MEMBERS CHOICE CREDIT UNION Charity Report

Public IRS 990 nonprofit record

MEMBERS CHOICE CREDIT UNION

EIN 74-1886524 · Telecommunications (W50)

What they do

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.

Before you give

Should I give to this charity?

Easy charity check

Look at where the money went

Of every $100 spent, about $100.00 was reported for mission work. Use the spending picture below and ask what results that work produced.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2024The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders28 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

95.09%of revenue went to mission work100.0% of expenses · Program services

$95.09spent for every $100 of revenueRevenue covered expenses this year.

$16.99in assets for every $1 spent this yearSome assets cannot be spent right away.

Ask these three easy questions

Who did you help? Ask for a recent story or report that shows real results.
What will my money do? Ask exactly what your gift will pay for.
Is this really the charity? Give only through its official website or confirmed phone number.

Pay context: The highest compensation shown in this filing is $512,252 for BILLERI LUKE ANTHONY (CEO). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2024

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

$100revenue

How each $100 of revenue was used

The large number compares each expense with revenue. The smaller number shows its share of total expenses.

Total reported revenue$47,444,524

Mission workProgram services$45,115,20295.09% of revenue100.0% of expenses

ManagementOffice and general costs0.00% of revenue0.0% of expenses

FundraisingAsking for donations0.00% of revenue0.0% of expenses

Revenue left after expensesReported annual surplus$2,329,3224.91% of revenueShown in gray on the chart

Total expenses$45,115,20295.09% of revenue

Gray means reported revenue left after expenses for this filing year. It does not necessarily mean cash sitting in a bank account.

Has the pattern changed?

Colored bars = expense mix: how each year’s expenses were divided. Total expenses vs. revenue shows whether the charity spent less or more than it received. The current filing is first.

YearExpense mixDetails

2024CurrentExpense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 95.09% of revenue

2023Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 92.21% of revenue

2022Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 123.35% of revenue

2020Expense mix: 23.4% mission · 0.0% management · 0.0% fundraisingTotal expenses: 111.68% of revenue

2018Expense mix: 15.1% mission · 0.0% management · 0.0% fundraisingTotal expenses: 89.73% of revenue

2017Expense mix: 8.7% mission · 0.0% management · 0.0% fundraisingTotal expenses: 81.58% of revenue

2016Expense mix: 13.8% mission · 0.0% management · 0.0% fundraisingTotal expenses: 84.45% of revenue

Money in and money out

Revenue$47,444,524

Expenses$45,115,202

Annual surplus $2,329,322 Revenue was higher than expenses for this filing year.

Reported spending amounts

Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.

Mission work (program services)$45,115,202 · 100.0% of expenses

See all reported dollar amounts

Revenue$47,444,524

Expenses$45,115,202

Assets$766,644,253

Income$50,190,118

Mission work (program services)$45,115,202

Accounting fees$200,000

People

Leadership and board

Tax year 2024

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation

BILLERI LUKE ANTHONYCEO · 40 hrs/week $512,252Base $489,407 · Other $22,845

TUCKER BONITA JEANNECOO · 40 hrs/week $296,352Base $271,472 · Other $24,880

HRNYAK KEITH ACFO · 40 hrs/week $284,426Base $255,331 · Other $29,095

OWENS RALPH EDWARDCIO · 40 hrs/week $279,630Base $268,020 · Other $11,610

RIVERA MARINA HCHIEF RETAIL & LENDING OFF · 40 hrs/week $265,646Base $258,795 · Other $6,851

TOOMS ROBIN LCHIEF MARKETING OFFICER · 40 hrs/week $248,276Base $235,791 · Other $12,485

MENCHACA LIANNA ROSEVP OF FINANCE · 40 hrs/week $210,980Base $206,000 · Other $4,980

LANIER GARY WAYNECHIEF RETAIL & LENDING OFFICER · 40 hrs/week $182,880Base $157,000 · Other $25,880

SEGURA JACQUELINEVP OF CONSUMER LENDING · 40 hrs/week $148,236Base $144,050 · Other $4,186

WEST ROSEANNAVP OF MORTGAGE ORIGINATION · 40 hrs/week $145,822Base $137,835 · Other $7,987

TEJADA MANCIA KATERINE GUADALUPEDIRECTOR OF HUMAN RESOURCE · 40 hrs/week $144,842Base $140,071 · Other $4,771

SEGURA JESSICAVP OF RETAIL EXPERIENCE · 40 hrs/week $138,269

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (28)

BILLERI LUKE ANTHONYCEO

TUCKER BONITA JEANNECOO

HRNYAK KEITH ACFO

OWENS RALPH EDWARDCIO

RIVERA MARINA HCHIEF RETAIL & LENDING OFF

TOOMS ROBIN LCHIEF MARKETING OFFICER

MENCHACA LIANNA ROSEVP OF FINANCE

LANIER GARY WAYNECHIEF RETAIL & LENDING OFFICER

SEGURA JACQUELINEVP OF CONSUMER LENDING

WEST ROSEANNAVP OF MORTGAGE ORIGINATION

TEJADA MANCIA KATERINE GUADALUPEDIRECTOR OF HUMAN RESOURCE

SEGURA JESSICAVP OF RETAIL EXPERIENCE

GIFFORD KAREN NADINELEAD PROGRAMMER

OTTO KATRINAVP OF HUMAN RESOURCES

TURNER NATHAN DELMANEINFORMATION SECURITY OFFIC

MANSY MICHAELPROGRAMMER II

TONYA JORDANDIRECTOR

WILLFRED KRENEKBOARD TREASURER

WILLIS BRADENADVISORY DIRECTOR

PAUL WITHEYFORMER ADVISORY DIRECTOR

ROSE JAMESADVISORY DIRECTOR

RON JULUNDIRECTOR

AVIS BRAGGSFORMER ADVISORY DIRECTOR

MICHAEL YATESADVISORY DIRECTOR

JOHNNY WILLIAMSCHAIRMAN OF THE BOARD

GENE ATTEBERRYBOARD SECRETARY

EDGAR CONNER JRVICE CHAIRMAN OF THE BOARD

BARBARA SHEFIELDDIRECTOR

About this charity

Recognized since: January 1976
Location: 18211 KATY FWY, HOUSTON, TX 77094
County: Harris
In care of: KEITH HRYYAK
Primary officer: KEITH HRYYAK, CFO

How to reach them

WebsiteVisit the charity’s website Phone(281) 754-1032

Filing and classification

Latest tax year: 2024
Tax period began: January 1, 2024
Return type: 990
Tax preparer: FITTS ROBERTS KOLKHORST & CO PC
NTEE classification: Telecommunications (W50)
IRS tax category: Telecommunications