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Texas Bay Credit Union

  • Houston, TX
  • Tax-exempt since June 1976
  • EIN: 74-1142852

Organization summary

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Summary charts: organization finances over time

Revenue
$45.4M (2022)

Expenses
$41.2M (2022)

Total Assets
$653M (2022)

Total Liabilities
$106M (2022)

Source: Form 990 tax filings from 2011 to 2022

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$45,431,669
Expenses
$41,150,145
Net Income
$4,281,524
Net Assets
$546,794,717
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $28,654,015
63.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $16,777,654
36.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $10,973,642
26.7%
Assets/Debt
Total Assets $652,953,146
Total Liabilities $106,158,429
Net Assets $546,794,717
Compensation
Key Employees and Officers Compensation Related Other
Jesse Gutierrez (President/Ce) $563,587 $0 $171,274
Syed Dinar (Evp Cfo) $353,965 $0 $101,003
Brian Ellis (Vp Card Serv) $183,889 $0 $44,457
Chelly Deleon (Vp Of Hr) $174,160 $0 $45,370
Brandy Guzman (Vp Of Branch) $168,552 $0 $61,852
Osman Ulhaq (Vp Of Strat.) $157,303 $0 $32,667
Jeremy Bratton (Vp Of Compli) $154,407 $0 $49,372
Bret Hoda (Vp Of Lendin) $153,267 $0 $35,829
Charloltte Yocom (Vp Of Market) $120,945 $0 $46,622
Ariel Turca (Avp Of Branc) $115,905 $0 $43,777
Jose Guajardo (Avp Of Branc) $110,123 $0 $38,813
Diana Nguyen (Avp Of Accou) $107,290 $0 $42,428
Harry Satia (Avp Of Branc) $104,025 $0 $33,918
Chauncey Onyon (Vp Of Techno) $101,715 $0 $29,377
Carolyn Rivera (Avp Of Asset) $95,086 $0 $33,980
Roseanna West (Vp Of Mortga) $74,580 $0 $14,799
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Document Links

990
Filed on Aug. 30, 2024

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$36,404,556
Expenses
$32,941,787
Net Income
$3,462,769
Net Assets
$533,295,453
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $22,426,298
61.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $13,978,258
38.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $9,513,877
28.9%
Assets/Debt
Total Assets $559,614,598
Total Liabilities $26,319,145
Net Assets $533,295,453
Compensation
Key Employees and Officers Compensation Related Other
Jesse Gutierrez (President/Ce) $925,321 $0 $136,935
Syed Dinar (Evp Cfo) $310,460 $0 $89,010
Dennis Y'barbo (Vp Of It) $181,818 $0 $60,215
Brian Ellis (Vp Card Serv) $166,266 $0 $54,885
Roseanna West (Vp Of Mortga) $160,113 $0 $45,847
Brandy Guzman (Vp Of Branch) $154,200 $0 $43,941
Chelly Deleon (Vp Of Hr) $153,718 $0 $42,179
Jeremy Bratton (Vp Of Compli) $128,958 $0 $42,325
Ariel Pena (Avp Of Branc) $103,218 $0 $34,043
Rachel Hunt (Vp Of Lendin) $99,349 $0 $30,000
Jose Guajardo (Avp Of Branc) $95,401 $0 $34,481
Bret Hoda (Vp Of Lendin) $72,781 $0 $13,379
Osman Ulhaq (Vp Of Strat.) $48,462 $0 $17,281
Theresa Edge (Avp Of Branc) $47,257 $0 $16,418
Harry Satia (Avp Of Branc) $46,038 $0 $22,494
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Document Links

990
Filed on Nov. 14, 2022

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$35,520,235
Expenses
$33,635,016
Net Income
$1,885,219
Net Assets
$507,527,692
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $23,047,538
64.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $12,472,697
35.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $9,025,479
26.8%
Assets/Debt
Total Assets $537,570,025
Total Liabilities $30,042,333
Net Assets $507,527,692
Compensation
Key Employees and Officers Compensation Related Other
Executives (Executives) $2,129,554 $0 $705,471

Document Links

990
Filed on Nov. 12, 2021

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$38,538,409
Expenses
$36,258,932
Net Income
$2,279,477
Net Assets
$464,326,104
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $24,747,315
64.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $13,791,094
35.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $9,132,972
25.2%
Assets/Debt
Total Assets $501,470,838
Total Liabilities $37,144,734
Net Assets $464,326,104
Compensation
Key Employees and Officers Compensation Related Other
Executives (Executives) $1,810,010 $0 $635,269

Document Links

990
Filed on July 20, 2020

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$34,455,447
Expenses
$31,789,835
Net Income
$2,665,612
Net Assets
$407,178,790
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $23,244,901
67.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $11,210,546
32.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $8,125,445
25.6%
Assets/Debt
Total Assets $442,138,776
Total Liabilities $34,959,986
Net Assets $407,178,790
Compensation
Key Employees and Officers Compensation Related Other
Executives (Executives) $1,164,917 $0 $450,194

Document Links

990
Filed on Nov. 7, 2019

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$33,977,855
Expenses
$29,481,317
Net Income
$4,496,538
Net Assets
$390,527,007
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $21,596,412
63.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $12,381,443
36.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $8,267,272
28.0%
Assets/Debt
Total Assets $437,679,465
Total Liabilities $47,152,458
Net Assets $390,527,007
Compensation
Key Employees and Officers Compensation Related Other
Executives (Executives) $1,500,487 $0 $459,090

Document Links

990
Filed on Oct. 30, 2018

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$27,977,155
Expenses
$25,083,130
Net Income
$2,894,025
Net Assets
$361,427,749
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $18,267,092
65.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $9,710,063
34.7%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $7,560,240
30.1%
Assets/Debt
Total Assets $396,190,994
Total Liabilities $34,763,245
Net Assets $361,427,749
Compensation
Key Employees and Officers Compensation Related Other
Executives (Executives) $1,908,457 $0 $581,111

Document Links

990
Filed on Nov. 2, 2017

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$26,027,208
Expenses
$21,691,637
Net Income
$4,335,571
Net Assets
$331,670,137
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $16,235,519
62.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $9,791,689
37.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $6,849,337
31.6%
Assets/Debt
Total Assets $364,666,890
Total Liabilities $32,996,753
Net Assets $331,670,137

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$24,138,627
Expenses
$22,029,448
Net Income
$2,109,179
Net Assets
$303,246,511
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $15,355,858
63.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $8,782,769
36.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $6,230,952
28.3%
Assets/Debt
Total Assets $326,759,555
Total Liabilities $23,513,044
Net Assets $303,246,511
Compensation
Key Employees and Officers Compensation Related Other
Executives (Executives) $1,203,260 $0 $266,183

Document Links

990
Filed on Oct. 13, 2015

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$22,961,476
Expenses
$21,627,452
Net Income
$1,334,024
Net Assets
$278,818,388
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $14,381,169
62.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $8,580,307
37.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $7,971,007
36.9%
Assets/Debt
Total Assets $306,404,308
Total Liabilities $27,585,920
Net Assets $278,818,388
Compensation
Key Employees and Officers Compensation Related Other
Executives (Executives) $1,141,909 $0 $365,806

Document Links

990
Filed on Nov. 12, 2014

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML
PDF (2 of 2)

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$21,118,035
Expenses
$18,916,659
Net Income
$2,201,376
Net Assets
$274,417,475
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $14,146,290
67.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $6,971,745
33.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $7,472,999
39.5%
Assets/Debt
Total Assets $289,279,930
Total Liabilities $14,862,455
Net Assets $274,417,475

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$18,753,567
Expenses
$16,095,680
Net Income
$2,657,887
Net Assets
$245,104,694
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $12,530,026
66.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $6,223,541
33.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $6,542,022
40.6%
Assets/Debt
Total Assets $264,028,166
Total Liabilities $18,923,472
Net Assets $245,104,694

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

API

The data powering this website is available programmatically, via an API. Read the API documentation »

Byline

By Andrea Suozzo, Alec Glassford and Ash Ngu, ProPublica, and Brandon Roberts, Special to ProPublica.
Design by Jeff Frankl. Additional development by Ken Schwencke, Mike Tigas, and Sisi Wei.

E-file viewer adapted from IRS e-File Viewer by Ben Getson. Code for scraping audit documents adapated from Govwiki.

Updated