2025-11-12T07:30:45-06:00 2024-12-31 741699466 FITTS ROBERTS KOLKHORST & CO PC 5718 WESTHEIMER STE 1900 HOUSTON TX 77057 990 2024-01-01 741886524 MEMBERS CHOICE CREDIT UNION MEMB 2817541032 18211 KATY FWY HOUSTON TX 77094 KEITH HRYYAK CFO 2817541032 2025-11-11 1 0 ROGER L DUNCAN CPA P01087367 7132605230 2024 2025-03-06 01:10:19Z KEITH HRYYAK 18211 KATY FWY HOUSTON TX 77094 50190118 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. 7 3 169 10 875033 0 0 0 39871769 39328577 3043295 6900764 2510933 1215183 45425997 47444524 0 0 0 0 9461806 9081999 0 0 0 32424140 36033203 41885946 45115202 3540051 2329322 752127874 766644253 709060954 721248011 43066920 45396242 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. 45115202 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 1 0 0 0 0 0 0 0 0 0 0 0 0 1 38 0 1 169 1 1 1 0 0 0 0 0 0 0 0 0 X 7 3 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 2817541032 18211 KATY FWY HOUSTON TX 77094 JOHNNY WILLIAMS CHAIRMAN OF THE BOARD 2.00 X 0 0 0 GENE ATTEBERRY BOARD SECRETARY 2.00 X 0 0 0 WILLFRED KRENEK BOARD TREASURER 2.00 X 0 0 0 EDGAR CONNER JR VICE CHAIRMAN OF THE BOARD 2.00 X 0 0 0 RON JULUN DIRECTOR 2.00 X 0 0 0 TONYA JORDAN DIRECTOR 2.00 X 0 0 0 BARBARA SHEFIELD DIRECTOR 2.00 X 0 0 0 ROSE JAMES ADVISORY DIRECTOR 2.00 X 0 0 0 MICHAEL YATES ADVISORY DIRECTOR 2.00 X 0 0 0 WILLIS BRADEN ADVISORY DIRECTOR 2.00 X 0 0 0 AVIS BRAGGS FORMER ADVISORY DIRECTOR 2.00 X 0 0 0 PAUL WITHEY FORMER ADVISORY DIRECTOR 2.00 X 0 0 0 BILLERI LUKE ANTHONY CEO 40.00 X 489407 0 22845 GIFFORD KAREN NADINE LEAD PROGRAMMER 40.00 X 114640 0 16448 HRNYAK KEITH A CFO 40.00 X 255331 0 29095 LANIER GARY WAYNE CHIEF RETAIL & LENDING OFFICER 40.00 X 157000 0 25880 MANSY MICHAEL PROGRAMMER II 40.00 X 111000 0 3018 MENCHACA LIANNA ROSE VP OF FINANCE 40.00 X 206000 0 4980 OTTO KATRINA VP OF HUMAN RESOURCES 40.00 X 121300 0 3519 OWENS RALPH EDWARD CIO 40.00 X 268020 0 11610 RIVERA MARINA H CHIEF RETAIL & LENDING OFF 40.00 X 258795 0 6851 SEGURA JACQUELINE VP OF CONSUMER LENDING 40.00 X 144050 0 4186 SEGURA JESSICA VP OF RETAIL EXPERIENCE 40.00 X 138269 0 0 TEJADA MANCIA KATERINE GUADALUPE DIRECTOR OF HUMAN RESOURCE 40.00 X 140071 0 4771 TOOMS ROBIN L CHIEF MARKETING OFFICER 40.00 X 235791 0 12485 TUCKER BONITA JEANNE COO 40.00 X 271472 0 24880 TURNER NATHAN DELMANE INFORMATION SECURITY OFFIC 40.00 X 118968 0 4619 WEST ROSEANNA VP OF MORTGAGE ORIGINATION 40.00 X 137835 0 7987 3167949 0 183174 16 0 1 0 TRUHOME SOLUTIONS LLC 9601 LEGLER RD LENEXA KS 66219 MORTGAGE LOAN UNDERWRITING SERVICE 547384 HUGHES WATTERS & ASKANASE LLP 1201 LOUISIANA 28TH FLOOR HOUSTON TX 77002 ATTORNEY FOR LEGAL SERVICE 272344 NUSOURCE FINANCIAL LLC 9749 HAMILTON RD EDEN PRAIRIE MN 55344 ATM RELATED SERVICES, MAINTENANCE AND SU 267556 LANVERA LTD 112 WRANGLE DR SUITE 150 COPPELL TX 75019 DOCUMENT PRINTING SERVICE, STATEMENTS, T 189035 CLIFTON LARSON ALLEN LLP 220 S 6TH STE 300 MINNEAPOLIS MN 55402 EXTERNAL AUDIT FIRM FOR VARIOUS INTERNAL 177656 7 LOAN INTEREST INCOME 522100 34356753 34356753 PLASTIC CARD INCOME 522100 2566977 2566977 FEES AND CHARGES 522100 2404847 2404847 39328577 5004719 5004719 1610637 3031002 198087 2547507 1412550 483495 1896045 1896045 RENT INCOME 532000 752500 44785 707715 ALL OTHER REVENUE 900099 209938 186871 23067 INSURANCE PRODUCTS 524298 186824 42573 144251 65921 65921 1215183 47444524 46569491 875033 0 3165250 3165250 4788611 4788611 404531 404531 89673 89673 633934 633934 290419 290419 200000 200000 3739331 3739331 482305 482305 4364764 4364764 2816305 2816305 10456 10456 59731 59731 5752330 5752330 1039303 1039303 210656 210656 MEMBER DIVIDEND EXPENSE 8656860 8656860 PROVISION FOR LOAN LOSS 4938831 4938831 LOAN SERVICING EXPENSE 2893777 2893777 ALL OTHER EXPENSES 1136203 1136203 -558068 -558068 45115202 45115202 0 0 2071336 6561697 29479088 52675167 2902972 7053216 1353000 566431772 563245281 1126527 1762479 35349667 7855512 30802006 27494155 119314173 106499258 752127874 766644253 119267635 135210481 60420 57670 589732899 585979860 709060954 721248011 X 0 0 0 0 43066920 45396242 43066920 45396242 752127874 766644253 2329322 0 X 1 X 1 X 1 0 0 1 X 6682576 6682576 23238910 4912583 18326327 2460084 817183 1642901 2968097 2125746 842351 27494155 OTHER INVESTMENTS 7324143 NCUSIF DEPOSIT 5438287 OTHER ASSETS 1278491 SECURITIES AVAILABLE FOR SALE (SAS) 2806536 SECURITIES AVAILABLE FOR SALE (SAS) 49916790 SECURITIES AVAILABLE FOR SALE (SAS) 9736277 SECURITIES AVAILABLE FOR SALE (SAS) 2855259 SECURITIES AVAILABLE FOR SALE (SAS) 27143475 106499258 MEMBERS' SHARE AND SAVINGS ACCOUNTS 585979860 585979860 47444524 0 47444524 0 47444524 45115202 0 45115202 0 45115202 PART IV, LINE 2B: ESCROW DEPOSITS FOR MORTGAGE RELATED PRODUCTS 1 X X X X 0 0 0 BILLERI LUKE ANTHONY CEO 460677 0 28730 0 0 0 22845 0 17250 0 529502 0 0 0 TUCKER BONITA JEANNE COO 255586 0 15886 0 0 0 24880 0 11807 0 308159 0 0 0 HRNYAK KEITH A CFO 244966 0 10365 0 0 0 29095 0 11270 0 295696 0 0 0 OWENS RALPH EDWARD CIO 247410 0 17910 0 2700 0 11610 0 10449 0 290079 0 0 0 RIVERA MARINA H CHIEF RETAIL & LENDING OFF 243585 0 15210 0 0 0 6851 0 6851 0 272497 0 0 0 TOOMS ROBIN L CHIEF MARKETING OFFICER 221933 0 13858 0 0 0 12485 0 10404 0 258680 0 0 0 MENCHACA LIANNA ROSE VP OF FINANCE 185500 0 20500 0 0 0 4980 0 4980 0 215960 0 0 0 LANIER GARY WAYNE CHIEF RETAIL & LENDING OFFICER 155000 0 2000 0 0 0 25880 0 7630 0 190510 0 0 0 WEST ROSEANNA VP OF MORTGAGE ORIGINATION 137835 0 0 0 0 0 7987 0 6655 0 152477 0 0 0 SEGURA JACQUELINE VP OF CONSUMER LENDING 141550 0 2500 0 0 0 4186 0 4186 0 152422 0 0 0 EUGENE CLARK ATTEBERRY BOARD MEMBER MORTGAGE X 880000 880000 0 1 1 GARY WAYNE LANIER VP OF STRATEGY MORTGAGE X 250000 245422 0 1 1 LUKE A BILLERI II CEO MORTGAGE X 320000 28569 0 1 1 OTHER BOARD MEMBER OR OFFICER AUTO LOAN OR LINE OF CREDIT X 199009 199009 0 1 1 1353000 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