2025-01-29T13:59:27-06:00 2023-12-31 741699466 FITTS ROBERTS KOLKHORST & CO PC 5718 WESTHEIMER STE 1900 HOUSTON TX 77057 990 2023-01-01 741886524 MEMBERS CHOICE CREDIT UNION MEMB 2817541146 18211 KATY FWY HOUSTON TX 77094 KEITH HRYYAK CFO 2817541146 2025-01-28 1 0 ROGER L DUNCAN CPA P01087367 7132605230 2023 2025-03-06 01:10:19Z KEITH HRYYAK 18211 KATY FWY HOUSTON TX 77094 57958769 0 X WWW.MCCU.COM X 1941 TX 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. 6 6 180 9 1108055 0 0 0 32516307 39871769 3193772 3043295 1162361 2510933 36872440 45425997 0 0 0 0 8854011 9461806 0 0 0 36629072 32424140 45483083 41885946 -8610643 3540051 754025395 752127874 711017842 709060954 43007553 43066920 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. 0 0 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. 41885946 0 0 0 0 0 0 0 1 0 1 0 0 1 1 0 1 1 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 49 0 1 180 1 1 1 0 0 0 0 0 0 0 0 0 X 6 6 0 0 0 0 1 1 0 1 1 0 1 1 0 1 1 1 1 1 1 1 0 X KEITH HRNYAK CFO 2817541147 18211 KATY FWY HOUSTON TX 77094 JOHNNY WILLIAMS CHAIRMAN OF BOARD 1.00 X 0 0 0 GENE ATTEBERRY BOARD SECRETARY 1.00 X 0 0 0 WILLFRED KRENEK BOARD TREASURER 1.00 X 0 0 0 EDGAR CONNER JR VICE CHAIRMAN OF THE BOARD 1.00 X 0 0 0 RON JULUN DIRECTOR 1.00 X 0 0 0 TONYA JORDAN DIRECTOR 1.00 X 0 0 0 ROSE JAMES ADVISORY DIRECTOR 1.00 X 0 0 0 AVIS BRAGGS ADVISORY DIRECTOR 1.00 X 0 0 0 PAUL WITHEY ADVISORY DIRECTOR 1.00 X 0 0 0 MICHAEL YATES ADVISORY DIRECTOR 1.00 X 0 0 0 WILLIS BRADEN ADVISORY DIRECTOR 1.00 X 0 0 0 BILLERI LUKE ANTHONY CEO 40.00 X 444904 0 18493 OWENS RALPH EDWARD CIO 40.00 X 246357 0 6967 TUCKER BONITA JEANNE COO 40.00 X 240993 0 9581 TOOMS ROBIN L CHIEF MARKETING OFFICER 40.00 X 235750 0 10053 THEILIG RANDY CEO - FORMER 40.00 X 223912 0 419 RIVERA MARINA H CHIEF RETAIL & LENDING OFFICER 40.00 X 195649 0 4872 HRNYAK KEITH A CFO 40.00 X 159231 0 4688 WEST ROSEANNA VP OF MORTGAGE ORIGINATION 40.00 X 154904 0 7595 MENCHACA LIANNA ROSE VP OF FINANCE 40.00 X 146627 0 3218 PLOCEK ROBERT DALTON IT DIRECTOR 40.00 X 145783 0 7239 SEGURA JACQUELINE VP OF CONSUMER LENDING 40.00 X 139964 0 4109 GARRITY TIMOTHY MICHAEL CLOUD, INFRASTRUCTURE, & SECURITY MANAGER 40.00 X 132505 0 6575 TEJADA MANCIA KATERINE GUADALUPE DIRECTOR OF HUMAN RESOURCES 40.00 X 117757 0 3484 TURNER NATHAN DELMANE INFORMATION SECURITY OFFICER 40.00 X 112658 0 4466 GIFFORD KAREN NADINE LEAD PORGRAMMER 40.00 X 110531 0 5477 SEGURA JESSICA VP OF RETAIL EXPERIENCE 40.00 X 109675 0 1067 PUENTE GABRIELA LUZ DIRECTOR OF MARKETING 40.00 X 107000 0 5200 GONZALEZ ERIC MORTGAGE LOAN OFFICER 40.00 X 106940 0 3160 LANIER GARY WAYNE CHIEF STRATEGY OFFICER 40.00 X 106846 0 2885 3237986 0 109548 19 0 1 0 TRUHOME SOLUTIONS LLC 9601 LEGLER RD LENEXA KS 66219 517737 NUSOURCE FINANCIAL LLC 9749 HAMILTON RD EDEN PRAIRIE MN 55344 263437 CLIFTON LARSON ALLEN LLP 220 S 6TH STE 300 MINNEAPOLIS MN 55402 182888 BUSINESS ALLIANCE FINANCIAL SERVICES 1500 N 19TH STREET SUITE 600 MONROE LA 71201 176813 HUGHESWATTERS & ASKANASE L L P 1201 LOUISIANA 28TH FLOOR HOUSTON TX 77002 ATTORNEY 164847 6 LOAN INTEREST INCOME 522100 34689099 34689099 PLASTIC CARD INCOME 522100 3128713 3128713 FEES AND CHARGES 522100 2053957 2053957 39871769 3669934 3669934 11906133 12532772 -626639 -626639 -626639 ALL OTHER REVENUE 900099 1329090 1304628 24462 RENT INCOME 532000 932974 46210 886764 INSURANCE PRODUCTS 524298 178762 52040 126722 70107 70107 2510933 45425997 44317942 1108055 0 3237985 3237985 5087385 5087385 394662 394662 77467 77467 664307 664307 203597 203597 166476 166476 3319606 3319606 758366 758366 4368817 4368817 3077921 3077921 30031 30031 133004 133004 5597332 5597332 1146252 1146252 215731 215731 PROVISION FOR LOAN LOSS 5877617 5877617 MEMBER DIVIDEND EXPENSE 5303055 5303055 LOAN SERVICING EXPENSE 4664575 4664575 ALL OTHER EXPENSES 800483 800483 -3238723 -3238723 41885946 41885946 0 0 3718605 2071336 29616977 29479088 11790473 2902972 561592266 566431772 1339450 1126527 37888227 7086221 32030949 30802006 113936675 119314173 754025395 752127874 103316335 119267635 59433 60420 607642074 589732899 711017842 709060954 X 0 0 0 0 43007553 43066920 43007553 43066920 754025395 752127874 X 3540051 -3480684 X 1 X 1 X 1 0 0 1 X 8182576 8182576 24525369 4535216 19990153 2386173 733754 1652419 2794109 1817251 976858 30802006 OTHER INVESTMENTS 6516445 NCUSIF DEPOSIT 5999967 OTHER ASSETS 5752619 SECURITIES AVAILABLE FOR SALE (SAS) 2511931 SECURITIES AVAILABLE FOR SALE (SAS) 55584023 SECURITIES AVAILABLE FOR SALE (SAS) 9689001 SECURITIES AVAILABLE FOR SALE (SAS) 2980992 SECURITIES AVAILABLE FOR SALE (SAS) 30279195 119314173 MEMBERS' SHARE AND SAVINGS ACCOUNTS 589732899 589732899 45425997 0 45425997 0 45425997 41885946 0 41885946 0 41885946 PART IV, LINE 2B: ESCROW DEPOSITS FOR MORTGAGE RELATED PRODUCTS 1 X X X X 0 0 0 BILLERI LUKE ANTHONY CEO 396154 0 48750 0 0 0 18493 0 500 0 463897 0 0 0 OWENS RALPH EDWARD CIO 218077 0 25000 0 3280 0 6967 0 1000 0 254324 0 0 0 TUCKER BONITA JEANNE COO 235000 0 5993 0 0 0 9581 0 0 0 250574 0 0 0 TOOMS ROBIN L CHIEF MARKETING OFFICER 205000 0 30750 0 0 0 10053 0 1000 0 246803 0 0 0 THEILIG RANDY CEO - FORMER 62377 0 65342 0 96193 0 419 0 0 0 224331 0 0 0 RIVERA MARINA H CHIEF RETAIL & LENDING OFFICER 165649 0 30000 0 0 0 4872 0 0 0 200521 0 0 0 HRNYAK KEITH A CFO 159231 0 0 0 0 0 4688 0 346 0 164265 0 0 0 WEST ROSEANNA VP OF MORTGAGE ORIGINATION 151904 0 3000 0 0 0 7595 0 500 0 162999 0 0 0 PLOCEK ROBERT DALTON IT DIRECTOR 144733 0 1050 0 0 0 7239 0 1000 0 154022 0 0 0 MENCHACA LIANNA ROSE VP OF FINANCE 137308 0 9319 0 0 0 3218 0 423 0 150268 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 NA FORM 990, PART VI, SECTION A, LINE 7A NA FORM 990, PART VI, SECTION B, LINE 11B NO REVIEW WAS OR WILL BE CONDUCTED. FORM 990, PART VI, SECTION B, LINE 12C NA FORM 990, PART VI, SECTION B, LINE 15 NA FORM 990, PART VI, SECTION C, LINE 19 NO OTHER DOCUMENTS AVAILABLE TO THE PUBLIC FORM 990, PART XI, LINE 9: CUMULATIVE EFFECT OF CHANGE IN ACCOUNTING PRINCIPLE - ASC 326 -3,480,684.