2026-06-26T12:56:33-05:00 2025-12-31 990 2025-01-01 741142836 MEMBERS FIRST CREDIT UNION MEMB 3619916178 5444 S STAPLES ST CORPUS CHRISTI TX 78411 PAUL BESSE EXECUTIVE VICE PRESIDENT 3619916178 2026-06-22 2025 2025-03-06 01:10:19Z PAUL BESSE 5444 S STAPLES ST CORPUS CHRISTI TX 78411 10404306 0 X WWW.M1ST.ORG X CREDIT UNION 1938 TX PROVIDE FINANCIAL SERVICES TO OUR MEMBER/OWNERS. 7 7 58 0 50651 0 0 0 7221422 7281811 2306873 2898886 0 0 9528295 10180697 0 0 0 0 2717703 2692133 0 0 0 4443841 4844886 7161544 7537019 2366751 2643678 180767268 186929948 140623796 143056502 40143472 43873446 TO IMPROVE THE FINANCIAL WELL BEING OF OUR MEMBER/OWNERS BY PROMOTING THRIFT SAVINGS AND OFFERING COMPETITIVE LOAN PRODUCTS 0 0 7537019 10130046 TO IMPROVE THE FINANCIAL WELL BEING OF OUR MEMBER/OWNERS BY PROMOTING THRIFT SAVINGS AND OFFERING COMPETITIVE LOAN PRODUCTS 7537019 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 3153 0 1 58 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 1 0 X PAUL BESSE 3619866950 5444 S STAPLES ST CORPUS CHRISTI TX 78411 LUTHER HIGHT CHAIRMAN 1.00 X 0 0 0 CURTIS REEVES VICE-CHAIRMAN 1.00 X 0 0 0 RAY ALMAGUER SECRETARY/TREASURER 1.00 X 0 0 0 MANUEL ESQUIVEL III DIRECTOR 1.00 X 0 0 0 SABRA MORLAN DIRECTOR 1.00 X 0 0 0 SAM SHORES DIRECTOR 1.00 X 0 0 0 MARK KULWICKI DIRECTOR 1.00 X 0 0 0 WANDA MUESSEL CEO 40.00 X 216657 0 0 PAUL BESSE EXECUTIVE VICE PRESIDENT 40.00 X 133513 0 0 BLAKE KEMMIS CHIEF INFORMATION OFFICER 1.00 X 114781 0 0 ADRIANA MENCHACA CHIEF OPERATIONS OFFICER 1.00 X 113134 0 0 578085 0 0 4 0 1 0 0 INTEREST ON LOANS 522100 4673130 4673130 FEE INCOME 522100 2436718 2417992 18726 LOAN SERVICES 522100 171963 140038 31925 7281811 2888720 2888720 233775 223609 10166 10166 10166 10180697 10130046 50651 0 350170 350170 1855650 1855650 64974 64974 260738 260738 160601 160601 113148 113148 915761 915761 587706 587706 57285 57285 1520294 1520294 PROF & OUTSIDE SERVICIN 770430 770430 PROV FOR LOAN LOSSES 516813 516813 LOAN SERVICING 185821 185821 DUES, SUBSCRIPTIONS & M 177628 177628 7537019 7537019 0 0 2015492 2218940 13217642 9219315 1975728 2726210 83088047 81309451 114392 177927 9895416 5492731 4319426 4402685 7886501 9819853 63610944 71586094 4539096 5469473 180767268 186929948 1543527 1553431 139080269 141503071 140623796 143056502 X 0 0 0 0 40143472 43873446 40143472 43873446 180767268 186929948 2643678 1086296 0 X 0 0 0 1264668 1264668 5124055 2365009 2759046 2838329 2570457 267872 668364 557265 111099 4402685 CD'S 9803000 C US GOVERNMENT OBLIGATIONS 60502948 C NCUSIF DEPOSIT 1280146 C 71586094 SHARE SAVINGS ACCOUNTS 42217775 SHARE DRAFT ACCOUNTS 36052933 MONEY MARKET ACCOUNTS 30676264 IRA ACCOUNTS 7796400 CERTIFICATES OF DEPOSIT 24759699 141503071 X 1 1 X X 0 0 0 WANDA MUESSEL CEO 216657 0 0 0 0 0 0 0 0 0 216657 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 ENTITY IS A STATE CHARTERED CREDIT UNION. TO JOIN AND PARTICIPATE IN SERVICES, MUST BE A MEMBER. FORM 990, PART VI, SECTION A, LINE 7A EACH MEMBER HAS A VOTE AND CAN ELECT MEMBERS AT OUR ANNUAL MEETING. FORM 990, PART VI, SECTION A, LINE 7B THE BOARD DIRECTS ALL ACTIVITIES. HOWEVER, CERTAIN ACTIONS SUCH AS CHANGING CHARTERS WOULD REQUIRE MEMBERSHIP APPROVAL. FORM 990, PART VI, SECTION B, LINE 11B FORM 990 IS REVIEWED BY CREDIT UNION PERSONNEL. FORM 990, PART VI, SECTION B, LINE 12C DIRECTOR AND EMPLOYEE ACCOUNTS ARE REVIEWED QUARTERLY BY THE BOARD AND ANNUALLY BY EXAMINERS AND INDEPENDENT OUTSIDE AUDITORS. FORM 990, PART VI, SECTION B, LINE 15 THE CREDIT UNION USES INDEPENDENT REPORTS THAT PRODUCE COMPENSATION SURVEYS OF EMPLOYEE SALARIES FOR CREDIT UNIONS IN OUR ASSET SIZE. FORM 990, PART VI, SECTION C, LINE 19 ALL REQUIRED DOCUMENTS FOR REGULATORY OVERSIGHT ARE PROVIDED TO INTERESTED MEMBERS UPON REQUEST.