2023-11-09T16:15:50-05:00 2022-12-31 751648909 Paul Hicks & Associates PC 4650 Kinsey Dr Tyler TX 75703 990 2022-01-01 750751106 UNITED CREDIT UNION UNIT 4901 OLD JACKSONVILLE HWY TYLER TX 75703 SHERRI MCELYEA PRESIDENT 9035953604 2023-10-27 true SHERRI MCELYEA Ariel Anderson P02343811 9035812117 2023-11-09 0 00 AAL2 IAL1 2022 2023-04-26 12:10:37Z 1414983 false X WWW.UNITEDCU.COOP X 1932 TX COOPERATIVE, MEMBERSHIP OWNED, NON-PROFIT PROVIDER OF FULL FINANCIAL SERVICES TO MEMBERS 7 7 11 0 0 0 1223275 1357837 29101 57146 0 1252376 1414983 0 99295 117985 452851 458741 0 0 837661 761646 1389807 1338372 -137431 76611 28060069 30228000 26024912 28116232 2035157 2111768 COOPERATIVE, MEMBERSHIP OWNED, NON-PROFIT PROVIDER OF FULL FINANCIAL SERVICES TO MEMBERS false false 744787 262161 ACCOUNTS: CERTIFICATE TERM SHARE ACCOUNTS: TERM SHARE CERTIFICATES ARE SAVINGS ACCOUNTS THAT ARE PLACED ON DEPOSIT FOR SPECIFIC PERIODS OF TIME. THEY HAVE A HIGHER EARNING RATE FOR MEMBERS DUE TO THE REQUIRED TIME FRAME TO REMAIN ON DEPOSIT. REMOVAL BEFORE MATURITY RESULTS IN A PENALTY. TERM SHARE CERTIFICATES ARE THE LARGEST ACCOUNT EXPENSE SAVINGS AND CHECKING. 398477 1044818 LOANS: RESIDENTIAL MORTGAGE, VEHICLE, PERSONAL AND CREDIT CARD LOANS ARE ALL OFFERED. RELATED SERVICES SUCH AS CREDIT LIFE, CREDIT DISABILITY, DENT GUARD, MECHANICAL REPAIR COVERAGE, AND GAP ARE ALL ALSO OFFERED. 110953 50858 TECHNOLOGY SERVICES: TECHNOLOGY IN TODAYS AGE IS ALWAYS CHANGING AND GROWING EACH YEAR. THIS CAUSES THE EXPENSE TO BE QUITE LARGE IN ORDER TO STAY CURRENT WITH TODAYS WANTS AND NEEDS FOR MEMBERS. THE TECHNOLOGY SERVICES INCLUDE ONLINE BANKING, ONLINE LOAN APPLICATIONS, ONLINE SECURED DOCUSIGN, ONLINE MOBILE DEPOSIT, BILL PAY AND ESTATEMENT. THE TECHNOLOGY ALSO MUST BE UPDATED AND UPGRADED TO ENSURE THAT THEY ARE SECURE AND WORKING PROPERLY. 84155 OTHER PROGRAM SERVICES 84155 1338372 false false false false false false false false false true false false false true false false false false false false false false false false false false false false false false false false false false false false false false false false false false false true 2 0 11 true true true false false false false false false false false false false false false false false false false X 7 7 false false false false true true true true true false false false true true true false true false false false X SHERRI MCELYEA 9035953604 4901 OLD JACKSONVILLE HWY TYLER TX 75703 SHERRI MCELYEA PRESIDENT 44.00 0.00 X 81223 0 0 CAMERON ANDERSON VICE PRESIDENT 41.00 0.00 X 55259 0 0 NARS BUENAVENTURA CREDIT COMMITTEE 0.50 0.00 X 0 0 0 DJUANNA MORGAN CREDIT COMMITTEE 0.50 0.00 X 0 0 0 GEORGE CREEL VICE CHAIRMAN 0.50 0.00 X 0 0 0 COURTNEY KLEPFER CHAIRMAN 0.50 0.00 X 0 0 0 DAVID ADAMS CHAIRMAN 0.50 0.00 X X 0 0 0 NANCY PARKER CREDIT COMMITTEE 0.50 0.00 X X 0 0 0 LORA SAVOIE SEC-TREAS 0.50 0.00 X X 0 0 0 136482 0 0 0 false false false CUNA MUTUAL GROUP 5910 MINERAL POINT ROAD MADISON WI 53705 INSURANCEBONDS 253838 FISERV 2601 NETWORK BLVD SUITE 600 FRISCO TX 75034 DATA PROCESSOR 116994 2 INTEREST ON LOANS 522291 1044818 1044818 FEE INCOME 522291 262161 262161 MISCELLANEOUS INCOME 900099 50858 50858 NON-MEMBER ATM FEES 524298 1357837 57146 57146 1414983 1414983 0 0 X 117985 117985 136482 136482 245766 245766 41197 41197 35296 35296 45801 45801 9800 9800 164114 164114 20434 20434 110953 110953 37178 37178 10906 10906 3262 3262 64904 64904 39159 39159 PROVISION FOR LOAN LOSSES 98279 98279 LOAN AND ACCOUNT SERVICING 42338 42338 REPAIRS AND MAINTENANCE 30363 30363 MISCELLANEOUS 84155 84155 1338372 1338372 0 0 102947 139541 10032768 7754283 70089 16491324 20577962 2154162 643195 1514543 1510967 -81513 175158 28060069 30228000 199387 92 25825525 28116140 26024912 28116232 X 468761 496025 1566396 1615743 2035157 2111768 28060069 30228000 76611 0 X false false false 252717 252717 1561058 383689 1177369 340387 259506 80881 1510967 MEMBER SHARES AND RESERVES 28438705 UNREALIZED GAINLOSS PENSION -322565 28116140 Members or stockholder classes and rights Part VI line 6 MEMBERS MUST BE EMPLOYED OR RETIRED USPS OR FEDERAL EMPLOYEES IN SMITH, UPSHUR OR VAN ZANDT COUNTIES. MEMBERS THAT ARE NOT EMPLOYED OR RETIRED USPS OR FEDERAL EMPLOYEES MUST LIVE, WORK, WORSHIP OR ATTEND SCHOOL IN SMITH COUNTY, WOOD COUNTY SERVICED BY ZIP CODE 75765 OR 75773, OR VAN ZANDT COUNTY SERVICED BY ZIP CODE 75103, 75140, 75754, 75790, 75124, OR 75752. Member election for additional members Part VI line 7a MEMBERS VOTE TO ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING. Governing body decisions Part VI line 7b MEMBERS VOTE TO ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING. Form 990 governing body review Part VI line 11 THE 990 WILL BE REVIEWED BY THE OFFICER SIGNING THE RETURN. Conflict of interest policy compliance Part VI line 12c UNITED CREDIT UNION HAS A WRITTEN CONFLICT OF INTEREST POLICY THAT IS REGULARLY MONITORED BY MANAGEMENT. Governing documents etc available to public Part VI line 19 GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST TO MEMBERS. FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION, ON THE WEBSITE, AND A COPY IS PROVIDED TO MEMBERS UPON REQUEST. List of other fees for services expenses Part IX line 11g PROFESSIONAL SERVICES, TREND HR, CORE PROCESSOR, DEBIT CARD PROCESSOR