2022-07-05T07:34:25-07:00 2021-12-31 990 2021-01-01 741886524 MEMBERS CHOICE CREDIT UNION MEMB 2817541146 18211 Katy Freeway Houston TX 77094 EDGAR RAMOS Controller 2022-07-05 EDGAR RAMOS 999009999 2 AAL1 IAL1 FAL1 2021 2022-09-23 18:48:47Z RANDY THEILIG 18211 Katy Freeway Houston TX 77094 28765001 false 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 9 9 0 13 129622 0 22884804 26034595 2678278 1142030 1330901 1588376 26893983 28765001 0 0 11124329 10729510 0 0 18911453 18732086 30035782 29461596 -3141799 -696595 667981139 715418251 615666348 663800055 52314791 51618196 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 false false 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 DIVIDENDS BACK TO THE MEMBER OWNERS 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 DIVIDENDS BACK TO THE MEMBER OWNERS 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 CARDOLDERS, 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. false false false false false false false true false true false false true true false true false false false false false false false false false false false false true false false false false false false false false false false false false false false true 0 0 true 0 true true false false false false false false false X 9 9 false false false false true true false true true false true true false true true true true true true true false EDGAR RAMOS 2817541147 18211 KATY FWY HOUSTON TX 77094 RANDY THEILIG CEO 40.00 0.00 X 380067 0 24893 LUKE BILLERI Executive Dir. 40.00 0.00 X 200821 0 23115 DARRIN SMITH Executive Dir. 40.00 0.00 X 192303 0 25029 ROBIN TOOMS Executive Dir. 40.00 0.00 X 173446 0 35655 VALERIE CARLSON Vice President 40.00 0.00 X 163231 0 28180 CHRISTINA EVANS COO 40.00 0.00 X 161821 0 20836 Kimberly Gamez Chief Financial Officer 40.00 0.00 164443 0 7180 ROBERT PLOCEK IT APPLICATION MANAGER 40.00 0.00 142153 0 29447 TIMOTHY GARRITY INFRASTRUCTURE & CYBER SECURITY MGR 40.00 0.00 110386 0 14928 KAREN GIFFORD LEAD PROGRAMMER 40.00 0.00 109386 0 14439 NATHAN TURNER INFORMATION SECURITY OFFICER 40.00 0.00 103549 0 11699 Jessica Segura VP of E-Branch 40.00 0.00 106835 0 4894 Kelli Johnson Human Capital Strategist 40.00 0.00 103285 0 8425 JACQUELINE SEGURA CENTRAL LENDING MANAGER 40.00 0.00 95475 0 4747 Shakiia Moore Director of Retail Experience 40.00 0.00 80263 0 3158 Marina Rivera VP of Consumer Loan Exchange 40.00 0.00 67565 0 1839 KEN CANNON Vice President 40.00 0.00 X 52549 0 12639 Gregory Stokes VP of Mortgage Origination 40.00 0.00 46619 0 2010 GENE ATTEBERRY Secretary 1.00 0.00 X 0 0 0 CAMERON ANDERSON Director 1.00 0.00 X 0 0 0 AVIS BRAGGS Director 1.00 0.00 X 0 0 0 DR PAUL WITHEY Director 1.00 0.00 X 0 0 0 TONYA JORDAN Director 1.00 0.00 X 0 0 0 ED CONNER JR Director 1.00 0.00 X 0 0 0 RON JULUN Director 1.00 0.00 X 0 0 0 WILFRED KRENEK Treasurer 1.00 0.00 X 0 0 0 JOHNNY WILLIAMS Chairman 1.00 0.00 X 0 0 0 2454197 273113 13 true true false JACK HENRY AND ASSOCIATES PO BOX 807 MONET MO 65708 DATA PROCESSING ALKAMI PO BOX 670397 DALLAS TX 75267 ONLINE BANKING WEISER SECURITY SERVICE INC SECURITY GUARDS ASG RESULTS - MBI MEMBER INSURANCE CONSOLIDATED COMMUNICATIONS COMMUNICATIONS 0 0 FEES AND CHARGES 522100 2604012 2604012 LOAN INTEREST INCOME 522100 20490741 20490741 PLASTIC CARD INCOME 522100 2939842 2939842 26034595 1142030 1142030 0 0 0 0 0 0 0 ALL OTHER 900099 1403969 1331985 71984 INSURANCE PRODUCTS 524298 62060 31030 31030 Royalties 900099 69131 69131 53216 26608 26608 1588376 28765001 28635379 129622 0 0 0 0 2113614 0 5994884 253825 1699737 667450 0 110401 190603 0 0 112136 2166780 443050 2163961 1996138 0 1838336 7491 0 120427 483520 0 882177 285445 LOAN SERVICING EXPENSE 2404680 PROVISION FOR LOAN LOSSES 1649759 MEMBER DIVIDEND EXPENSE 1605869 ATM DEBIT PROCESSING 1572638 698675 29461596 0 0 0 2794010 2840635 94607514 126372233 0 5744042 7696951 871059 0 443508270 428868189 0 1305380 1592997 43906582 8958584 36304356 34947998 0 0 0 0 83717567 112228189 667981139 715418251 25191086 23006748 56290 57340 309163 151574 590109809 640584393 615666348 663800055 X 52314791 51618196 52314791 51618196 667981139 715418251 -696595 X true X true X true false false true X 10012402 10012402 24667559 3282715 21384844 3228650 1415766 1812884 5997971 4260103 1737868 34947998 OTHER ASSETS 623880 112228189 OTHER LIABILITIES 640584391 Rounding 2 640584393 28765001 28765001 28765001 29461596 29461596 29461596 Part IV, Line 2b: Explanation of escrow account liability ESCROW DEPOSITS FOR MORTGAGE RELATED PRODUCTS true false false false CHRISTINA EVANS COO 155421 6400 9599 11237 182657 DARRIN SMITH Executive Dir. 184703 7600 12131 12898 217332 Gregory Stokes VP of Mortgage Origination 46619 475 1535 48629 Kelli Johnson Human Capital Strategist 97280 6005 5600 2825 111710 Kimberly Gamez Chief Financial Officer 112643 5550 46250 5977 1203 171623 LUKE BILLERI Executive Dir. 193261 7560 19500 3615 223936 RANDY THEILIG CEO 364865 15202 19500 5393 404960 ROBERT PLOCEK IT APPLICATION MANAGER 136953 5200 18200 11247 171600 ROBIN TOOMS Executive Dir. 166664 6782 26000 9655 209101 Shakiia Moore Director of Retail Experience 79263 1000 2237 921 83421 VALERIE CARLSON Vice President 160325 2906 19500 8680 191411 Form 990, Part VI, Line 11b: Form 990 Review Process No review was or will be conducted. Form 990, Part VI, Line 19: Other Organization Documents Publicly Available No documents available to the public.