2025-11-13T14:46:40-05:00 2024-12-31 751648909 Paul Hicks & Associates PC 4650 Kinsey Dr Tyler TX 75703 990 2024-01-01 750751106 UNITED CREDIT UNION % SHERRI MCELYEA UNIT 9035953604 4901 OLD JACKSONVILLE HWY TYLER TX 75703 SHERRI MCELYEA PRESIDENT 9035953604 2025-11-07 true true ARIEL ANDERSON P02343811 9035812117 2025-11-13 2024 2025-03-06 01:10:19Z 1449714 false X WWW.UNITEDCU.COOP X 1932 TX COOPERATIVE, MEMBERSHIP OWNED, NON-PROFIT PROVIDER OF FULL FINANCIAL SERVICES TO MEMBERS 7 7 7 0 0 4403 0 1331870 1231308 145092 218406 26884 0 1508249 1449714 0 287795 343550 354932 376969 0 0 810679 645560 1453406 1366079 54843 83635 29623151 28481321 27456540 26231075 2166611 2250246 COOPERATIVE, MEMBERSHIP OWNED, NON-PROFIT PROVIDER OF FULL FINANCIAL SERVICES TO MEMBERS false false 1115297 209296 ACCOUNTS:TERM SHARE CERTIFICATES ARE SAVINGS ACCOUNTS THAT ARE PLACED ON DEPOSIT FOR SPECIFIC PERIODS OF TIME. THEY HAVE A HIGHER EARNING RATE FOR MEMEBERS DUE TO THE REQUIRED TIME FRAME TO REMAIN ON DEPOSIT. REMOVAL BEFORE MATURITY RESULTS IN A PENALTY. TERM SHARE CERTIFICATES ARE THE LARGEST ACCOUNT EXPENSE SAVINGS AND CHECKING. 140893 7338 TECHNOLOGY SERVICES: TECHNOLOGY IN TODAYS AGE IS ALWAYS CHANGING AND GROWING EACH YEAR. THIS CAUSES THE EXPENSE TO BE QUITE LARGE IN ORDER TO STAY CURRENT WITH TADAYS WANTS AND NEEDS FOR MEMBERS. THE TECHNOLOGY SERVICES INCLUDE ONLINE BANKING, ONLINE LOAN APPLICATIONS, ONLINE SECURED EDOCSIGNATURES, ONLINE MOBILE DEPOSIT, BILL PAY AND ESTATEMENT. WITH TECHNOLOGY, YOU ALSO HAVE TO KEEP IN MIND THE UPDATES AND UPGRADES YOU DO TO THEM TO MAKE SURE THEY ARE SECURE AND NOT BROKEN. WITH ALL OF THAT, THE GREATEST THING THE TECHNOLOGY SERVICES DOES IS MAKE THINGS EASIER FOR THE MEMBER. 67300 218406 OTHER PROGRAM SERVICES 42589 1014674 LOANS: VEHICLE, PERSONAL, AND CREDIT CARD LOANS ARE ALL OFFERED. RELATED SERVICES SUCH AS LIFEPLUS, DISABILITY, DENT GUARD, MECHANICAL REPAIR COVERAGE, AND GAP ARE ALL ALSO OFFERED. 42589 1014674 1366079 false false false false false false false false false true false false false true false false false false false false false false false false false false false false false false false false false false false false false false false false false false false true 0 0 7 true true true false false false false false false false false false false false false false false false false X 7 7 false false false false true true true true true false false false true true true false true false false false X SHERRI MCELYEA 9035953604 4901 OLD JACKSONVILLE HWY TYLER TX 75703 SHERRI MCELYEA PRESIDENT 44.00 0.00 X 90117 0 0 CAMERON ANDERSON VICE PRESIDENT 41.00 0.00 X 67760 0 0 COURTNEY KLEPFER CREDIT COMMITTEE CHAIRMAN 0.50 0.00 X 0 0 0 LORA SAVOIE CREDIT COMMITTEE 0.50 0.00 X 0 0 0 DJUANNA MORGAN CREDIT COMMITTEE 0.50 0.00 X 0 0 0 STEVEN PALMER CREDIT COMMITTEE 0.50 0.00 X 0 0 0 NANCY PARKER SEC-TREAS 0.50 0.00 X X 0 0 0 GEORGE CREEL CHAIRMAN 0.50 0.00 X X 0 0 0 DENNIS DYKES VICE CHAIRMAN 0.50 0.00 X X 0 0 0 157877 0 0 0 false false false INTEREST ON LOANS 522291 1014674 1014674 FEE INCOME 522291 209296 209296 MISCELLANEOUS INCOME 900099 7338 7338 1231308 218406 218406 0 1449714 1449714 0 0 X 343550 343550 157877 157877 138652 138652 5025 5025 36643 36643 38772 38772 38848 38848 16501 16501 186692 186692 1996 1996 140893 140893 44124 44124 10868 10868 16 16 54003 54003 41730 41730 PROVISION FOR LOAN LOSSES -16758 -16758 LOAN AND ACCOUNT SERVICING 59347 59347 OPERATING FEES 6370 6370 MISCELLANEOUS 60930 60930 1366079 1366079 0 0 260199 363534 9107068 9694923 5039 18552760 16386231 2196151 861446 1354236 1334705 348888 696889 29623151 28481321 21633 12445 27434907 26218630 27456540 26231075 X 496025 496025 1670586 1754221 2166611 2250246 29623151 28481321 83635 0 X false false false 252717 252717 1589493 542981 1046512 353941 318465 35476 1334705 MEMBER SHARES AND RESERVES 26044040 UNREALIZED GAINLOSS PENSION -260387 UNREALIZED GAINLOSS 457F 434977 26218630 Members or stockholder classes and rights Part VI line 6 MEMBERS MUST BE EMPLOYED OR RETIRED USPS OR FEDERAL EMPLOYEES IN SMITH, UPSHUR OR VAN ZANDT COUNTIES. MEMBERS THAT ARE NOT EMPLOYED OR RETIRED USPS OR FEDERAL EMPLOYEES MUST LIVE, WORK, WORSHIP OR ATTEND SCHOOL IN SMITH COUNTY, WOOD COUNTY SERVICED BY ZIP CODE 75765 OR 75773, OR VAN ZANDT COUNTY SERVICED BY ZIP CODE 75103, 75140, 75754, 75790, 75124, OR 75752. Member election for additional members Part VI line 7a MEMBERS VOTE TO ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING. Governing body decisions Part VI line 7b MEMBERS VOTE TO ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING. Form 990 governing body review Part VI line 11 THE 990 WILL BE REVIEWED BY THE OFFICER SIGNING THE RETURN. Conflict of interest policy compliance Part VI line 12c UNITED CREDIT UNION HAS A WRITTEN CONFLICT OF INTEREST POLICY THAT IS REGULARLY MONITORED BY MANAGEMENT. Governing documents etc available to public Part VI line 19 GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST TO MEMBERS. FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION, ON THE WEBSITE, AND A COPY IS PROVIDED TO MEMBERS UPON REQUEST. List of other fees for services expenses Part IX line 11g PROFESSIONAL SERVICES, TREND HR, CORE PROCESSOR, DEBIT CARD PROCESSOR