Skip to content
ProPublica Donate
ProPublica Donate

Union Square Credit Union

  • Wichita Falls, TX
  • Tax-exempt since June 1976
  • EIN: 75-0971964

Organization summary

Type of Nonprofit

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

Donations to this organization are not tax deductible.

Details

According to its Dec. 2022 tax filing, this nonprofit:

Reported conflict of interest transactions
Organizations must report loans, grants or business transactions with interested parties, which may include key employees and officers, their family members and any businesses in which they hold a controlling interest. These transactions must be reported on Schedule L.

Summary charts: organization finances over time

Revenue
$34M (2022)

Expenses
$30M (2022)

Total Assets
$685M (2022)

Total Liabilities
$635M (2022)

Source: Form 990 tax filings from 2015 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
$34,027,572
Expenses
$30,027,317
Net Income
$4,000,255
Net Assets
$50,128,134
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $32,442,302
95.3%
Investment Income $1,744,082
5.1%
Bond Proceeds $0
Royalties $0
Rental Property Income -$34,375
Net Fundraising $0
Sales of Assets -$124,437
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,989,226
6.6%
Professional Fundraising Fees $0
Other Salaries and Wages $5,930,941
19.8%
Assets/Debt
Total Assets $684,777,588
Total Liabilities $634,649,454
Net Assets $50,128,134
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
John Barad (President/Ceo) $418,608 $0 $41,732
Scott Flinn (Sr. Vice President Mortgage Services) $213,156 $0 $15,824
Patrick Murray (Executive Vice President) $163,952 $0 $21,137
Joe Guidry (Chief Information Officer) $158,655 $0 $23,433
Teea Reed (Chief Operations Officer) $154,987 $0 $19,778
Dustin Barger (Vice President Consumer Lending) $138,713 $0 $24,156
Monica Davis (Sr. Vice President Risk Management) $117,776 $0 $18,596
Justin Houston (Mortgage Loan Officer) $117,103 $0 $9,588
Tammy Hughes (Mortgage Lending Production Manager) $116,453 $0 $12,388
Ida Ferguson (Avp Mortgage Underwriting) $115,981 $0 $15,221
Karen Schreiber (Vice President Accounting) $113,937 $0 $18,907
Megan Magana (Vice President Human Resources) $113,610 $0 $18,051
Tc Sanders (Mortgage Loan Officer) $109,443 $0 $23,815
Jeffery Gladu (Vice President Technology Officer) $102,664 $0 $91,554
David Nix (Chairman) $0 $0 $0
Gary Stevenson (Vice Chairman) $0 $0 $0
Eric West (Secretary/Treasurer) $0 $0 $0
Danny Ahern (Director) $0 $0 $0
Paul Fleming (Director) $0 $0 $0
Julie Pruett (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 15, 2023

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

View Filing
PDF XML

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$29,182,874
Expenses
$25,504,182
Net Income
$3,678,692
Net Assets
$50,583,821
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $28,586,425
98.0%
Investment Income $506,052
1.7%
Bond Proceeds $0
Royalties $0
Rental Property Income -$21,955
Net Fundraising $0
Sales of Assets $112,352
0.4%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,845,838
7.2%
Professional Fundraising Fees $0
Other Salaries and Wages $5,656,700
22.2%
Assets/Debt
Total Assets $559,980,799
Total Liabilities $509,396,978
Net Assets $50,583,821
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Kevin Rhine (Avp Mortgage Loan Officer) $430,272 $0 $27,412
John Barad (President/Ceo) $386,760 $0 $37,738
Scott Flinn (Sr Vp Mortgage Loan Services) $264,432 $0 $23,924
Patrick Murray (Executive Vp) $151,359 $0 $26,892
Teea Reed (Coo) $127,496 $0 $23,715
Kara Bradley (Mortgage Loan Officer) $124,674 $0 $18,538
Dustin Barger (Vp Financial Services) $119,096 $0 $23,468
Ida Ferguson (Avp Mortgage Underwriting) $106,298 $0 $20,858
Monica Davis (Sr Vp Risk Management) $100,227 $0 $21,392
Jeffery Gladu (Vp Technology Officer) $94,125 $0 $19,429
Joe Guidry (Cio) $92,543 $0 $12,180
Megan Magana (Vp, Hr) $87,394 $0 $20,023
Karen Schreiber (Vp Accounting) $86,500 $0 $0
David Nix (Chairman) $0 $0 $0
Gary Stevenson (Vice Chairman) $0 $0 $0
Eric West (Secretary/Treasurer) $0 $0 $0
Danny Ahern (Director) $0 $0 $0
Paul Fleming (Director) $0 $0 $0
Julie Pruett (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 7, 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
$23,422,986
Expenses
$21,945,557
Net Income
$1,477,429
Net Assets
$47,508,631
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $20,371,784
87.0%
Investment Income $1,011,422
4.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $7,825
0.0%
Net Fundraising $0
Sales of Assets $2,031,955
8.7%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,560,155
7.1%
Professional Fundraising Fees $0
Other Salaries and Wages $5,219,680
23.8%
Assets/Debt
Total Assets $478,483,331
Total Liabilities $430,974,700
Net Assets $47,508,631
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Kevin Rhine (Avp Mortgage Loan Officer) $524,398 $0 $22,308
John Barad (President/Ceo) $373,971 $0 $37,534
Scott Flinn (Vp Mortgage Loan Services) $239,192 $0 $29,738
Patrick Murray (Executive Vp) $154,449 $0 $27,116
Teea Reed (Vp Marketing) $117,824 $0 $22,429
Monica Davis (Sr Vp Risk Management) $100,283 $0 $21,210
Dustin Barger (Vp Financial Services) $98,825 $0 $21,259
Jeffery Gladu (Senior Vp It) $96,669 $0 $20,040
Karen Schreiber (Vp Accounting) $82,061 $0 $20,251
Megan Magana (Vp, Hr) $78,703 $0 $18,604
David Nix (Chair) $0 $0 $0
Gary Stevenson (Vice Chair) $0 $0 $0
Eric West (Secretary/Treasurer) $0 $0 $0
Julie Pruett (Director) $0 $0 $0
Danny Ahern (Director) $0 $0 $0
Paul Fleming (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 14, 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
$19,949,532
Expenses
$18,442,000
Net Income
$1,507,532
Net Assets
$45,326,896
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $15,850,894
79.5%
Investment Income $2,906,733
14.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $30,179
0.2%
Net Fundraising $0
Sales of Assets $1,161,726
5.8%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,355,621
7.4%
Professional Fundraising Fees $0
Other Salaries and Wages $4,292,992
23.3%
Assets/Debt
Total Assets $372,947,272
Total Liabilities $327,620,376
Net Assets $45,326,896
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Kevin Rhine (Avp Mortgage Loan Officer) $378,973 $0 $20,443
John Barad (President/Ceo) $320,775 $0 $35,585
Patrick Murray (Executive Vp) $156,967 $0 $26,018
Scott Flinn (Vp Mortgage Loan Services) $155,725 $0 $24,890
Teea Reed (Vp Marketing) $101,593 $0 $19,983
Monica Davis (Sr Vp Risk Management) $92,866 $0 $19,548
Dustin Barger (Vp Financial Services) $92,425 $0 $14,604
Jeffery Gladu (Senior Vp It) $91,579 $0 $18,656
Karen Schreiber (Vp Accounting) $74,196 $0 $19,034
Megan Magana (Vp, Hr) $73,971 $0 $17,208
David Nix (Board Chairman) $0 $0 $0
Gary Stevenson (Vice Chair) $0 $0 $0
Eric West (Secretary/Treasurer) $0 $0 $0
Julie Pruett (Director) $0 $0 $0
Danny Ahern (Director) $0 $0 $0
Paul Fleming (Director) $0 $0 $0
Travis Huffhines (Director (Left 02/19)) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 9, 2020

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

View Filing
XML

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$18,435,755
Expenses
$17,953,344
Net Income
$482,411
Net Assets
$42,639,000
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $14,775,684
80.1%
Investment Income $2,842,024
15.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $54,323
0.3%
Net Fundraising $0
Sales of Assets $763,724
4.1%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,313,989
7.3%
Professional Fundraising Fees $0
Other Salaries and Wages $4,171,887
23.2%
Assets/Debt
Total Assets $352,132,020
Total Liabilities $309,493,020
Net Assets $42,639,000
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
John Barad (President/Ceo) $312,006 $0 $35,303
Kevin Rhine (Avp Mortgage Loan Officer) $306,086 $0 $22,082
Patrick Murray (Executive Vp) $155,378 $0 $15,460
Scott Flinn (Vp Mortgage Loan Services) $150,844 $0 $25,168
Teea Reed (Vp Marketing) $93,698 $0 $18,649
Dustin Barger (Vp Financial Services) $91,462 $0 $19,611
Monica Davis (Sr Vp Risk Management) $88,405 $0 $19,294
Jeffery Gladu (Senior Vp It) $88,399 $0 $18,769
Karen Schreiber (Vp Accounting) $71,295 $0 $18,958
Connie Felty (Vp Hr) $44,613 $0 $9,816
Megan Magana (Vp, Hr) $31,252 $0 $5,609
Gary Dobbs (Board Chairman (Resigned 10/18)) $0 $0 $0
David Nix (Board Chairman) $0 $0 $0
Gary Stevenson (Vice Chair) $0 $0 $0
Eric West (Secretary/Treasurer) $0 $0 $0
Travis Huffhines (Director) $0 $0 $0
Julie Pruett (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 14, 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
$15,780,025
Expenses
$15,172,437
Net Income
$607,588
Net Assets
$41,783,216
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $14,004,512
88.7%
Investment Income $1,225,084
7.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $50,609
0.3%
Net Fundraising $0
Sales of Assets -$18,403
Net Inventory Sales $0
Other Revenue $518,223
3.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,225,007
8.1%
Professional Fundraising Fees $0
Other Salaries and Wages $3,794,219
25.0%
Assets/Debt
Total Assets $350,543,958
Total Liabilities $308,760,742
Net Assets $41,783,216
Compensation
Key Employees and Officers Compensation Related Other
John Barad (President/Ceo) $299,458 $0 $34,367
Kevin Rhine (Avp Mortgage Loan Officer) $163,881 $0 $9,084
Patrick Murray (Executive Vp) $140,410 $0 $24,367
Scott Flinn (Vp Mortgage Loan Services) $120,452 $0 $19,962
Jeffery Gladu (Senior Vp It) $86,605 $0 $18,037
Dustin Barger (Vp Financial Services) $83,655 $0 $18,724
Monica Davis (Sr Vp Risk Management) $77,178 $0 $17,621
Teea Reed (Vp Marketing) $74,084 $0 $16,207
Connie Felty (Vp Hr) $72,853 $0 $17,090
Karen Schreiber (Vp Accounting) $69,446 $0 $18,233
William Patty (Vp, Financial Services) $13,058 $0 $3,200
Gary Dobbs (Board Chairman) $0 $0 $0
Gary Stevenson (Vice Chair) $0 $0 $0
David Nix (Secretary/Treasurer) $0 $0 $0
Travis Huffhines (Director) $0 $0 $0
Julie Pruett (Director) $0 $0 $0
Eric West (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 14, 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
$15,126,293
Expenses
$14,677,182
Net Income
$449,111
Net Assets
$41,104,924
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $13,858,101
91.6%
Investment Income $1,206,358
8.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $39,040
0.3%
Net Fundraising $0
Sales of Assets $22,794
0.2%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,070,214
7.3%
Professional Fundraising Fees $0
Other Salaries and Wages $3,684,746
25.1%
Assets/Debt
Total Assets $347,021,365
Total Liabilities $305,916,441
Net Assets $41,104,924
Compensation
Key Employees and Officers Compensation Related Other
John Barad (President/Ceo) $276,524 $0 $36,611
Patrick Murray (Executive Vp) $143,298 $0 $23,570
Jeffery Gladu (Senior Vp It) $86,293 $0 $17,110
William Patty (Vp Mbl) $84,191 $0 $17,212
Monica Davis (Vp Compliance) $75,285 $0 $16,196
Connie Felty (Vp Hr) $72,171 $0 $19,509
Teea Reed (Vp Marketing) $70,283 $0 $14,881
Karen Schreiber (Vp Accounting) $63,160 $0 $16,333
Joe Mannion (Vp It) $22,763 $0 $5,606
Scott Rlinn (Vp Mortgage) $8,337 $0 $881
Gary Dobbs (Board Chairman) $0 $0 $0
Gary Stevenson (Director) $0 $0 $0
Travis Huffhines (Director) $0 $0 $0
David Nix (Director) $0 $0 $0
Julie Pruett (Director) $0 $0 $0
Eric West (Director) $0 $0 $0
Paul Fleming (Associate Director) $0 $0 $0
Danny Ahern (Associate Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 15, 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
$9,221,319
Expenses
$5,841,691
Net Income
$3,379,628
Net Assets
$41,497,515
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $8,799,078
95.4%
Investment Income $420,694
4.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $25,801
0.3%
Net Fundraising $0
Sales of Assets -$24,254
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $391,271
6.7%
Professional Fundraising Fees $0
Other Salaries and Wages $1,547,612
26.5%
Assets/Debt
Total Assets $337,717,668
Total Liabilities $296,220,153
Net Assets $41,497,515
Compensation
Key Employees and Officers Compensation Related Other
John Barad (President/Ceo) $240,946 $0 $36,971
Patrick Murray (Executive Vp) $141,651 $0 $23,452
Jeffery Taylor (Senior Vp) $94,654 $0 $18,394
William Patty (Vp Mbl) $83,777 $0 $16,860
Joe Mannion (Vp It) $78,659 $0 $20,956
Monica Davis (Vp Compliance) $65,077 $0 $15,523
Karen Schreiber (Vp Accounting) $63,439 $0 $15,755
Jeffery Gladu (Senior Vp It) $37,835 $0 $7,792
Gary Dobbs (Board Chairman) $0 $0 $0
Gary Stevenson (Director) $0 $0 $0
Travis Huffhines (Director) $0 $0 $0
David Nix (Director) $0 $0 $0
Julie Pruett (Director) $0 $0 $0
Eric West (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 9, 2016

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

View Filing
PDF XML

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