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AMERICAS CREDIT UNION

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Public IRS 990 nonprofit record

AMERICAS CREDIT UNION

EIN 75-6016747 · Telecommunications (W50)

What they do

AMERICAS CREDIT UNION EXISTS to EMPOWER MEMBER-OWNERS to IMPROVE THEIR ECONOMIC WELL-BEING WHILE EMPLOYING THE FOLLOWING CORE VALUES: PERSONAL SERVICE, INTEGRITY, EXCELLENCE, FINANCIAL STABILITY, and A COOPERATIVE PHILOSOPHY.

Before you give

Should I give to this charity?

Easy charity check
We do not have enough spending detail

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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 leaders21 people are listed in the latest report.

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

Money made simple

$93.94spent for every $100 of revenueRevenue covered expenses this year.
$19.48in assets for every $1 spent this yearSome assets cannot be spent right away.

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  1. Who did you help? Ask for a recent story or report that shows real results.
  2. What will my money do? Ask exactly what your gift will pay for.
  3. 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 $650,228 for BERT BEAL (CEO). Compare pay with organizations of similar size and complexity.

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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.

Money in and money out

Revenue$23,506,529
Expenses$22,081,018
Annual surplus $1,425,511 Revenue was higher than expenses for this filing year.
See all reported dollar amounts
Revenue$23,506,529
Expenses$22,081,018
Assets$430,172,747
Income$24,236,816
Accounting fees$28,000
Investing fees$26,000
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
BERT BEALCEO · 40 hrs/week $650,228Base $579,077 · Other $71,151
SHELLEY PENCECFO · 40 hrs/week $311,861Base $261,818 · Other $50,043
JASON STEELECIO · 40 hrs/week $272,054Base $213,165 · Other $58,889
TAMMY DE LA CERDACHIEF LENDING · 40 hrs/week $217,035Base $189,366 · Other $27,669
ALEXA BRIDGESVP-ACQUISTION & COMM · 40 hrs/week $214,040Base $179,077 · Other $34,963
TAMMY CHAMBERSVP HUMAN CAPITAL · 40 hrs/week $213,938Base $172,081 · Other $41,857
SCARLET MIHAILOVVP RETAIL SERVICES · 40 hrs/week $201,705Base $169,774 · Other $31,931
AARON WILLIAMSVP OF INN & MEMB · 40 hrs/week $171,700Base $146,236 · Other $25,464
EDWIN CASTROPRINCIPAL OFFICER · 40 hrs/week $158,644Base $132,749 · Other $25,895
EDWIN CASTRORole not listed · 40 hrs/week $158,644Base $132,749 · Other $25,895
PATRICIA MORRISVP-INTERNAL AUD · 40 hrs/week $154,391Base $127,422 · Other $26,969
MARTIN MORTENSENINFO SYS MGR · 40 hrs/week $154,358Base $130,983 · Other $23,375

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 (21)

BERT BEALCEO

SHELLEY PENCECFO

JASON STEELECIO

TAMMY DE LA CERDACHIEF LENDING

ALEXA BRIDGESVP-ACQUISTION & COMM

TAMMY CHAMBERSVP HUMAN CAPITAL

SCARLET MIHAILOVVP RETAIL SERVICES

AARON WILLIAMSVP OF INN & MEMB

EDWIN CASTROPRINCIPAL OFFICER

EDWIN CASTRO

PATRICIA MORRISVP-INTERNAL AUD

MARTIN MORTENSENINFO SYS MGR

BOYCE CROWNOVERDIR DIG TR & SEC

DENA SMITHSECRETARY

CHRISTOPHER ENGLISHCHAIRMAN

KEVIN CRAWFORDDIRECTOR

LARRY WADSWORTHDIRECTOR

RAFAYE NESMITHDIRECTOR

RAUL MERCADOVICE CHAIR

RENEE BARTLETTDIRECTOR

SANDY THORNTONDIRECTOR

About this charity

Recognized since
January 1976
Location
PO BOX 469046, GARLAND, TX 75046
County
Dallas
In care of
Bert Beal
Primary officer
Bert Beal, President & CEO

How to reach them

Filing and classification

Latest tax year
2024
Tax period began
January 1, 2024
Return type
990
Tax preparer
MCPA PC
NTEE classification
Telecommunications (W50)
IRS tax category
Telecommunications

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About this report: Information comes from public nonprofit records and may show the latest filing available.

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