2026-07-06T11:39:22-05:00 2025-12-31 410746749 CLIFTONLARSONALLEN LLP 1145 BROADWAY SUITE 1300 TACOMA WA 98402 990 2025-01-01 410447515 UNITY ONE CREDIT UNION UNIT 8173063127 6701 BURLINGTON BOULEVARD FORT WORTH TX 76131 SCOTT WARD PRESIDENT & CEO 8173063127 2026-06-30 1 ROSALINDA MARIKAR CPA P01684134 2532721555 2026-06-30 2025 2025-03-06 01:10:19Z SCOTT WARD 6701 BURLINGTON BOULEVARD FORT WORTH TX 76131 16400802 0 1 X WWW.UNITYONE.ORG X 1927 TX PROVIDES A VARIETY OF FINANCIAL SERVICES TO ITS MEMBERS. 7 7 106 10 8777 0 0 0 13996429 13563898 2451570 2769717 85929 67187 16533928 16400802 0 0 0 0 5629903 5889593 0 0 0 11048870 11055338 16678773 16944931 -144845 -544129 290035161 271259560 280411590 258406127 9623571 12853433 PROVIDES A VARIETY OF FINANCIAL SERVICES TO ITS MEMBERS. ITS PRIMARY DEPOSIT PRODUCTS ARE SHARE ACCOUNTS, CERTIFICATES OF DEPOSIT AND SHARE DRAFT ACCOUNTS, WHILE ITS PRIMARY LOAN PRODUCTS ARE SINGLE FAMILY RESIDENCE AND CONSUMER LOANS. 0 0 LOANS: PROVIDING CONSUMER LOANS OF ALL TYPES, INCLUDING VEHICLE LOANS, UNSECURED LOANS, AND CREDIT CARDS. ALSO OFFERING RESIDENTIAL MORTGAGES AND SMALL BUSINESS LOANS. SHARE SAVINGS ACCOUNTS: PROVIDING SHARE SAVINGS ACCOUNTS TO MEMBERS, OFFERING SPECIAL SHARE SAVINGS ACCOUNTS TO MINORS. CHECKING ACCOUNTS: PROVIDING CHECKING ACCOUNTS WITH VARYING FEATURES. OFFERING BENEFITS SUCH AS ATM ACCESS, DEBIT CARDS AS WELL AS ON-LINE BENEFITS SUCH AS BILL PAYING. 0 0 0 0 0 0 0 0 0 1 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 106 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 0 1 1 0 1 1 0 1 1 1 1 1 1 1 0 X CHRISTINA CARSTENS 8173063127 6701 BURLINGTON BOULEVARD FORT WORTH TX 76131 VINCENT ACCARDO CHAIRMAN OF THE BOARD 3.00 X X 0 0 0 RICHARD EBEL VICE CHAIR 3.00 X X 0 0 0 PATRICK FORSYTH SECRETARY/TREASURER 3.00 X X 0 0 0 MARY DIGGS DIRECTOR 3.00 X 0 0 0 DALE MARISTUEN DIRECTOR (LEFT 03/2025) 3.00 X 0 0 0 GREGORY PATIENT DIRECTOR 3.00 X 0 0 0 WILLIAM RUPP DIRECTOR 3.00 X 0 0 0 TIMOTHY SAVOY DIRECTOR 3.00 X 0 0 0 SCOTT WARD PRESIDENT / CEO 40.00 X 400308 0 469086 BETH PETERS VP LENDING 40.00 X 164035 0 26000 PATTY REVIS VICE PRESIDENT OF HUMAN RESOURCES 40.00 X 109243 0 46933 NATHAN WEBB VP TECHNOLOGY 40.00 X 159115 0 45870 JACKIE WISNESKI VP RETAIL 40.00 X 128056 0 54030 HERB GARCIA VICE PRESIDENT OF RISK 40.00 X 115246 0 19875 1076003 0 661794 6 0 1 0 FISVISA PO BOX 4535 CAROL STREAM IL 601974535 CARD PROCESSING 1436777 CORELATION INC 2305 HISTORIC DECATUR RD 300 SAN DIEGO CA 92106 CORE SERVICES 581904 2 INTEREST ON MEMBER LOANS 522291 11128268 11128268 FEE INCOME 525990 2308831 2308831 OPERATING INCOME 522100 84189 84189 GAP INSURANCE 524298 42610 42610 13563898 2769717 2769717 58410 58410 ATM FEES 525990 6852 6852 EXTENDED WARRANTIES 524114 1925 1925 8777 16400802 13563898 8777 2828127 X 687082 3859255 188929 830858 323469 98000 14000 25920 2831983 420003 852257 517500 1493 384745 113165 INTEREST ON MEMBER DEPO 3360919 PROVISION FOR LOAN LOSS 1672352 LOAN SERVICING 559658 DUES 150320 53023 16944931 531910 1650805 182225533 162688669 14106527 7119872 5612523 6986655 55860496 53069593 36189353 37707410 9615346 9156428 290035161 271259560 659767 114857 279751823 258291270 280411590 258406127 X 0 0 0 0 9623571 12853433 9623571 12853433 290035161 271259560 -544129 3773991 0 X 0 0 0 1542496 1542496 6403031 3386836 3016195 187707 187707 0 5973293 3545329 2427964 6986655 OTHER INVESTMENTS IN CORP CREDIT UNIONS 32396433 F DEPOSITS IN BANKS 2249000 F NCUA SHARE INSURANCE DEPOSIT 2597866 F DEPOSITS AND PAID IN CAPITAL 464111 F 37707410 OTHER LIABILITIES 1338156 SHARES AND DRAFT ACCOUNTS 146396572 RETIREMENT ACCOUNTS 6025735 OTHER SHARE ACCOUNTS 101890641 ACCRUED INTEREST 212076 457(F) LIABILITY 2428090 258291270 X X X X 0 1 0 SCOTT WARD PRESIDENT / CEO 325568 0 65740 0 9000 0 393347 0 75739 0 869394 0 0 0 NATHAN WEBB VP TECHNOLOGY 135680 0 23435 0 0 0 10137 0 35733 0 204985 0 0 0 BETH PETERS VP LENDING 143137 0 20898 0 0 0 10059 0 15941 0 190035 0 0 0 JACKIE WISNESKI VP RETAIL 108578 0 19478 0 0 0 8434 0 45596 0 182086 0 0 0 PATTY REVIS VICE PRESIDENT OF HUMAN RESOURCES 109243 0 0 0 0 0 7341 0 39592 0 156176 0 0 0 PART I, LINE 3 THE PRESIDENT/CEO'S SALARY IS DETERMINED BY THE PERSONNEL COMMITTEE OF THE BOARD OF DIRECTORS AFTER CONSIDERATION OF THE SALARY SURVEY MATERIAL PROVIDED BY THE CREDIT UNION EXECUTIVE SOCIETY. THE FULL BOARD APPROVES THE SALARY AND ANY RAISES. OTHER OFFICER COMPENSATION IS ALSO DETERMINED BY THE PERSONNEL COMMITTEE BASED ON SALARY SURVEYS. PART I, LINE 4B SCOTT WARD - SUPPLEMENTAL NON-QUALIFIED 457(F) RETIREMENT PLAN - NO DISTRIBUTIONS IN 2025. FORM 990, PART VI, SECTION A, LINE 1A THE EXECUTIVE COMMITTEE OF UNITY ONE CREDIT UNION HAS THE AUTHORITY TO APPROVE OR DENY LOAN REQUESTS BY BOARD MEMBERS AND THE CEO. IT ALSO HAS THE AUTHORITY TO ADMINISTER THE NONQUALIFIED DEFERRED COMPENSATION PLANS THAT THE CREDIT UNION HAS PUT IN PLACE. FORM 990, PART VI, SECTION A, LINE 6 ALL ACCOUNT HOLDERS AT THIS CREDIT UNION ARE MEMBERS OF THE ORGANIZATION. FORM 990, PART VI, SECTION A, LINE 7A AS NOTED IN THE BYLAWS, VACANCIES ON THE BOARD OF DIRECTORS WILL BE FILLED BY ELECTION AT EACH ANNUAL MEETING BY AND FROM THE MEMBERSHIP OF CREDIT UNION. FORM 990, PART VI, SECTION B, LINE 11B FORM 990 IS PREPARED WITH INFORMATION PROVIDED TO THE CREDIT UNION'S CPA FIRM. THE VICE PRESIDENT - FINANCE REVIEWS A DRAFT OF THE RETURN AND APPROVES THE FINAL VERSION FOR PRESENTATION TO THE BOARD AFTER ANY NECESSARY REVISIONS HAVE BEEN MADE. FORM 990, PART VI, SECTION B, LINE 12C THE BYLAWS OF THE ORGANIZATION PROHIBIT ANY OFFICER, DIRECTOR, COMMITTEE MEMBER OR EMPLOYEE OF THE CREDIT UNION FROM PARTICIPATING IN ANY MANNER IN THE DELIBERATION UPON OR DETERMINATION OF ANY LOAN, INVESTMENT OR ANY OTHER MATTER AFFECTING HIS/HER FINANCIAL INTEREST OR THE FINANCIAL INTEREST OF ANY ORGANIZATION OTHER THAN UNITY ONE CREDIT UNION IN WHICH HE/SHE IS DIRECTLY OR INDIRECTLY INTERESTED. FURTHERMORE, THE BUSINESS CONDUCT POLICY OF THE CREDIT UNION FORBIDS DIRECTORS, COMMITTEE MEMBERS, EMPLOYEES OR AGENTS FROM PUTTING THEMSELVES IN A POSITION WHERE THEIR INTERESTS COULD BE IN CONFLICT WITH THE BEST INTEREST OF THE CREDIT UNION. NO CREDIT UNION DIRECTOR, COMMITTEE MEMBER, EMPLOYEE OR AGENT SHALL DIRECTLY OR THROUGH A CONTROLLED ENTITY BE A SUPPLIER TO, OR A PURCHASER FROM, THE CREDIT UNION OF GOODS OR SERVICES UNLIKE THOSE OFFERED TO THE PUBLIC. EMPLOYEES OF THE CREDIT UNION MONITOR COMPLIANCE WITH THE BYLAWS AND POLICIES. FORM 990, PART VI, SECTION B, LINE 15 THE PRESIDENT/CEO'S SALARY IS DETERMINED BY THE PERSONNEL COMMITTEE OR THE BOARD OF DIRECTORS AFTER CONSIDERATION OF THE SALARY SURVEY MATERIAL PROVIDED BY THE CREDIT UNION EXECUTIVE SOCIETY. THE FULL BOARD APPROVES THE SALARY AND ANY RAISES. OTHER OFFICER COMPENSATION IS ALSO DETERMINED BY THE PERSONNEL COMMITTEE BASED ON SALARY SURVEYS. COMPENSATION WAS LAST REVIEWED IN DECEMBER OF 2025. THE PROCESS DESCRIBED HERE WAS LAST COMPLETED IN 2025. FORM 990, PART VI, SECTION C, LINE 19 UNITY ONE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS AND POLICIES AVAILABLE UPON REQUEST. THE FINANCIAL STATEMENTS ARE AVAILABLE ON ITS WEBSITE. FORM 990, PART IX, LINE 11G OUTSIDE PROCESSING 2,199,080. SYSTEM SECURITY 57,326. BRANCH SECURITY 182,552. OTHER 393,025.