Nonprofit · EIN 74-1886524
MEMBERS CHOICE CREDIT UNION
Tax-exempt · HOUSTON, TX 77094
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $47,444,524 | $45,115,202 | $2,329,322 | $766,644,253 | $721,248,011 | $45,396,242 |
| December 31, 2023 | 990 | $45,425,997 | $41,885,946 | $3,540,051 | $752,127,874 | $709,060,954 | $43,066,920 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $39,328,577
- Investment income
- $6,900,764
- Net gain from sales of assets
- $1,896,045
- Other revenue
- $1,215,183
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $3,165,250
- Other salaries and wages
- $4,788,611
- Salaries, compensation and benefits (total)
- $9,081,999
- Professional fundraising fees
- $0
- Legal fees
- $290,419
- Accounting fees
- $200,000
- Occupancy
- $2,816,305
- Travel
- $10,456
- Depreciation
- $1,039,303
- Program services (functional)
- $45,115,202
Balance sheet and other
- Total assets, start of year
- $752,127,874
- Total assets, end of year
- $766,644,253
- Total liabilities, end of year
- $721,248,011
- Net assets, end of year
- $45,396,242
- Land, buildings and equipment
- $27,494,155
- Gross unrelated business income
- $875,033
- Gross receipts
- $50,190,118
- Employees
- 169
- Volunteers
- 10
- Year formed
- 1941
- State of legal domicile
- TX
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| BILLERI LUKE ANTHONY | CEO Highest-paid employee | 40 | $489,407 | $22,845 |
| TUCKER BONITA JEANNE | COO Highest-paid employee | 40 | $271,472 | $24,880 |
| HRNYAK KEITH A | CFO Highest-paid employee | 40 | $255,331 | $29,095 |
| OWENS RALPH EDWARD | CIO Highest-paid employee | 40 | $268,020 | $11,610 |
| RIVERA MARINA H | CHIEF RETAIL & LENDING OFF Highest-paid employee | 40 | $258,795 | $6,851 |
| TOOMS ROBIN L | CHIEF MARKETING OFFICER Highest-paid employee | 40 | $235,791 | $12,485 |
| MENCHACA LIANNA ROSE | VP OF FINANCE Highest-paid employee | 40 | $206,000 | $4,980 |
| LANIER GARY WAYNE | CHIEF RETAIL & LENDING OFFICER Highest-paid employee | 40 | $157,000 | $25,880 |
| SEGURA JACQUELINE | VP OF CONSUMER LENDING Highest-paid employee | 40 | $144,050 | $4,186 |
| WEST ROSEANNA | VP OF MORTGAGE ORIGINATION Highest-paid employee | 40 | $137,835 | $7,987 |
| TEJADA MANCIA KATERINE GUADALUPE | DIRECTOR OF HUMAN RESOURCE Highest-paid employee | 40 | $140,071 | $4,771 |
| SEGURA JESSICA | VP OF RETAIL EXPERIENCE Highest-paid employee | 40 | $138,269 | $0 |
| GIFFORD KAREN NADINE | LEAD PROGRAMMER Highest-paid employee | 40 | $114,640 | $16,448 |
| OTTO KATRINA | VP OF HUMAN RESOURCES Highest-paid employee | 40 | $121,300 | $3,519 |
| TURNER NATHAN DELMANE | INFORMATION SECURITY OFFIC Highest-paid employee | 40 | $118,968 | $4,619 |
13 more people on this return
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| MANSY MICHAEL | PROGRAMMER II Highest-paid employee | 40 | $111,000 | $3,018 |
| JOHNNY WILLIAMS | CHAIRMAN OF THE BOARD Trustee or director | 2 | $0 | $0 |
| GENE ATTEBERRY | BOARD SECRETARY Trustee or director | 2 | $0 | $0 |
| WILLFRED KRENEK | BOARD TREASURER Trustee or director | 2 | $0 | $0 |
| EDGAR CONNER JR | VICE CHAIRMAN OF THE BOARD Trustee or director | 2 | $0 | $0 |
| RON JULUN | DIRECTOR Trustee or director | 2 | $0 | $0 |
| TONYA JORDAN | DIRECTOR Trustee or director | 2 | $0 | $0 |
| BARBARA SHEFIELD | DIRECTOR Trustee or director | 2 | $0 | $0 |
| ROSE JAMES | ADVISORY DIRECTOR Trustee or director | 2 | $0 | $0 |
| MICHAEL YATES | ADVISORY DIRECTOR Trustee or director | 2 | $0 | $0 |
| WILLIS BRADEN | ADVISORY DIRECTOR Trustee or director | 2 | $0 | $0 |
| AVIS BRAGGS | FORMER ADVISORY DIRECTOR Trustee or director | 2 | $0 | $0 |
| PAUL WITHEY | FORMER ADVISORY DIRECTOR Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2023: 30 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| BILLERI LUKE ANTHONY | CEO Highest-paid employee | 40 | $444,904 | $18,493 |
| OWENS RALPH EDWARD | CIO Highest-paid employee | 40 | $246,357 | $6,967 |
| TUCKER BONITA JEANNE | COO Highest-paid employee | 40 | $240,993 | $9,581 |
| TOOMS ROBIN L | CHIEF MARKETING OFFICER Highest-paid employee | 40 | $235,750 | $10,053 |
| THEILIG RANDY | CEO - FORMER Highest-paid employee | 40 | $223,912 | $419 |
| RIVERA MARINA H | CHIEF RETAIL & LENDING OFFICER Highest-paid employee | 40 | $195,649 | $4,872 |
| HRNYAK KEITH A | CFO Highest-paid employee | 40 | $159,231 | $4,688 |
| WEST ROSEANNA | VP OF MORTGAGE ORIGINATION Highest-paid employee | 40 | $154,904 | $7,595 |
| PLOCEK ROBERT DALTON | IT DIRECTOR Highest-paid employee | 40 | $145,783 | $7,239 |
| MENCHACA LIANNA ROSE | VP OF FINANCE Highest-paid employee | 40 | $146,627 | $3,218 |
| SEGURA JACQUELINE | VP OF CONSUMER LENDING Highest-paid employee | 40 | $139,964 | $4,109 |
| GARRITY TIMOTHY MICHAEL | CLOUD, INFRASTRUCTURE, & SECURITY MANAGER Highest-paid employee | 40 | $132,505 | $6,575 |
| TEJADA MANCIA KATERINE GUADALUPE | DIRECTOR OF HUMAN RESOURCES Highest-paid employee | 40 | $117,757 | $3,484 |
| TURNER NATHAN DELMANE | INFORMATION SECURITY OFFICER Highest-paid employee | 40 | $112,658 | $4,466 |
| GIFFORD KAREN NADINE | LEAD PORGRAMMER Highest-paid employee | 40 | $110,531 | $5,477 |
| PUENTE GABRIELA LUZ | DIRECTOR OF MARKETING Highest-paid employee | 40 | $107,000 | $5,200 |
| SEGURA JESSICA | VP OF RETAIL EXPERIENCE Highest-paid employee | 40 | $109,675 | $1,067 |
| GONZALEZ ERIC | MORTGAGE LOAN OFFICER Highest-paid employee | 40 | $106,940 | $3,160 |
| LANIER GARY WAYNE | CHIEF STRATEGY OFFICER Highest-paid employee | 40 | $106,846 | $2,885 |
| JOHNNY WILLIAMS | CHAIRMAN OF BOARD Trustee or director | 1 | $0 | $0 |
| GENE ATTEBERRY | BOARD SECRETARY Trustee or director | 1 | $0 | $0 |
| WILLFRED KRENEK | BOARD TREASURER Trustee or director | 1 | $0 | $0 |
| EDGAR CONNER JR | VICE CHAIRMAN OF THE BOARD Trustee or director | 1 | $0 | $0 |
| RON JULUN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| TONYA JORDAN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ROSE JAMES | ADVISORY DIRECTOR Trustee or director | 1 | $0 | $0 |
| AVIS BRAGGS | ADVISORY DIRECTOR Trustee or director | 1 | $0 | $0 |
| PAUL WITHEY | ADVISORY DIRECTOR Trustee or director | 1 | $0 | $0 |
| MICHAEL YATES | ADVISORY DIRECTOR Trustee or director | 1 | $0 | $0 |
| WILLIS BRADEN | ADVISORY DIRECTOR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 18211 KATY FWY, HOUSTON, TX 77094-1102
- In care of
- % ACCOUNTS PAYABLE
- Principal officer (990 for 2024)
- KEITH HRYYAK, 18211 KATY FWY, HOUSTON, TX 77094
- Signed the 990
- KEITH HRYYAK, CFO
- Phone
- (281) 754-1032
- Website
- WWW.MCCU.COM
- Return prepared by
- FITTS ROBERTS KOLKHORST & CO PC
Mission
MEMBERS CHOICE CREDIT UNION IS A COOPERATIVE OWNED BY THE MEMBERS OF THE CREDIT UNION. IT IS A NON-PROFIT FINANCIAL INSTITUTION ORGANIZED TO PROMOTE THRIFT AND PROVIDE CREDIT TO MEMBERS AT LOWER RATES THAN IS AVAILABLE FROM OTHER SOURCES.
Program accomplishments
- MEMBERS CHOICE CREDIT UNION PROVIDES PLASTIC CARD SERVICES FOR MEMBERS THROUGH THE USE OF DEBIT CARDS, CREDIT CARDS, MULTIPLE CREDIT UNION OWNED ATM MACHINES, AND ACCESS TO A NATIONWIDE ATM NETWORK. AS CARDHOLDERS, CREDIT UNION MEMBERS ENJOY FEE-FREE TRANSACTIONS. INCOME IS EARNED BY THE CREDIT UNION IN THE FORM OF NETWORK INTERCHANGE INCOME. EXPENSES INCURRED ARE FOR ATM HOSTING COSTS AND PLASTIC CARD PROCESSING EXPENSES PAID TO THIRD PARTY PROCESSORS.
- WE WILL BEST SERVE OUR MEMBER-OWNERS AND PROVIDE THEM THE ABILITY TO MAXIMIZE THEIR FINANCIAL GOALS BY BECOMING THE MOST MEMBER-CENTRIC FINANCIAL COOPERATIVE IN OUR AREA.
- MEMBERS CHOICE CREDIT UNION PAYS COMPETITIVE DIVIDEND RATES ON SHARE DEPOSIT ACCOUNTS. TYPES OF ACCOUNTS OFFERED BY THE CREDIT UNION INCLUDE SHARE SAVINGS, CHECKING, SHARE CERTIFICATES, MONEY MARKETS, AND IRAS. AS A FINANCIAL COOPERATIVE, MEMBERS CHOICE STRIVES TO OFFER THE HIGHEST QUALITY SERVICE PLUS PAY HIGHLY COMPETITIVE DIVIDEDS BACK TO THE MEMBER OWNERS.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 74-1886524
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1976
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 2742: CREDIT UNION DEPARTMENT OF THE STATE OF TEXAS
- Assets (IRS master file)
- $766,644,253
- Income (IRS master file)
- $50,190,118
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $47,444,524 | $45,115,202 | $766,644,253 | XML |
| 990 | December 2023 | $45,425,997 | $41,885,946 | $752,127,874 | XML |
| 990 | December 2022 | $36,872,440 | $45,483,083 | $754,025,395 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 74-1886524).
Questions about MEMBERS CHOICE CREDIT UNION
- What is the EIN of MEMBERS CHOICE CREDIT UNION?
- The employer identification number (EIN) of MEMBERS CHOICE CREDIT UNION is 74-1886524.
- Is MEMBERS CHOICE CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1976.
- Are donations to MEMBERS CHOICE CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does MEMBERS CHOICE CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of MEMBERS CHOICE CREDIT UNION due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did MEMBERS CHOICE CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of MEMBERS CHOICE CREDIT UNION?
- The 990 for the year ended December 31, 2024 names KEITH HRYYAK.
- Who are the officers and directors of MEMBERS CHOICE CREDIT UNION?
- The 990 for the year ended December 31, 2024 lists 28 people; 16 received compensation from the organization, the highest $489,407 (BILLERI LUKE ANTHONY, CEO).
- How much revenue does MEMBERS CHOICE CREDIT UNION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $47,444,524, expenses of $45,115,202 and total assets of $766,644,253 at year end.
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