2026-06-18T09:12:26-04:00 2025-12-31 994503147 WAVERLY BUSINESS SERVICES 6856 LOOP RD DAYTON OH 45459 990 2025-01-01 741279052 EDINBURG TEACHERS CREDIT UNION EDIN 9562593511 900 W UNIVERSITY DRIVE EDINBURG TX 78539 MARY CARPENTER CEO 9562593511 2026-06-17 true ERIN ALDERSON EA P01231640 9374352742 2026-06-17 2025 2025-03-06 01:10:19Z MARY CARPENTER 900 W UNIVERSITY DRIVE EDINBURG TX 78539 3501513 false X WWW.ETCU.COOP X COOPERATIVE 1955 TX FINANCIAL INSTITUTION PROVIDES BASIC FINANCIAL SERVICES TO MEMBERS IN THE FORM OF CHECKING, SAVINGS AND CERTIFICATE ACCOUNTS, IRAS, AND LOANS (SIGNATURE AND VEHICLE). THE CREDIT UNION ALSO PROVIDES CONVENIENCE SERVICES SUCH AS ONLINE BANKING, TELEPHONE BANKING, MONEY ORDERS AND TRAVELER'S CHECKS. 5 5 19 5 0 0 1821797 1738988 1573210 1762525 0 3395007 3501513 0 0 1484200 1522500 0 0 1484003 1614822 2968203 3137322 426804 364191 90206871 96837310 76909419 80914961 13297452 15922349 X FINANCIAL INSTITUTION PROVIDES BASIC FINANCIAL SERVICES TO MEMBERS IN THE FORM OF CHECKING, SAVINGS AND CERTIFICATE ACCOUNTS, IRAS, AND LOANS (SIGNATURE AND VEHICLE). THE CREDIT UNION ALSO PROVIDES CONVENIENCE SERVICES SUCH AS ONLINE BANKING, TELEPHONE BANKING, MONEY ORDERS AND TRAVELER'S CHECKS. false false ETCU MEMBERS ARE AFFORDED A LOW 25 MINIMUM DEPOSIT FOR MEMBERSHIP. MEMBER SAVINGS ACCOUNTS PAY QUARTERLY DIVIDENDS AT COMPETITIVE RATES WITH NO MONTHLY SERVICE FEES. SPECIAL SAVINGS ACCOUNTS ARE AVAILED AT NO EXTRA COSTS FOR MEMBERS WISHING TO SEPARATE SAVINGS FOR THEIR OWN INDIVIDUALLY EAR-MARKED PURPOSES. ETCU OFFERS LOW TO NO-COST CHECKING ACCOUNTS WITH FREE DEBIT CARD SERVICE. CHECKING ACCOUNTS PAY MONTHLY DIVIDENDS. COMPETITIVE RATE CERTIFICATE ACCOUNTS AND INDIVIDUAL RETIREMENT ACCOUNTS (IRAS) ARE OFFERED. 24-HOURS A DAY 7-DAYS A WEEK ACCESS TO ACCOUNTS IS AVAILABLE VIA AUTOMATED TELLER MACHINES, ONLINE BANKING AND AUTOMATED TELEPHONE LINES. ETCU OFFERS A VARIETY OF LOW RATE LOANS TO MEMBERS. SOUND UNDERWRITING HAS LEAD TO A SOLID, WELL COLLATERALIZED LOAN PORTFOLIO. VEHICLE, SIGNATURE AND CREDIT CARD LOANS ARE AVAILABLE TO MEMBERS. CREDIT, LIFE AND DISABILITY INSURANCE IS ALSO AVAILABLE. false false false false false false false false false true true false false true false false false false false false false false false false false false false false true false true false false false false false false false false false false false false false 1910 0 19 true false false false false false false false false X 5 5 false false false false true false false true true false false true false false true false false false X MARY CARPENTER 9562593511 900 W UNIVERSITY DRIVE EDINBURG TX 78539 MARY CARPENTER CEO 40.00 X 194733 0 0 LAURA VAZQUEZ CFO 40.00 X 103260 0 0 OFELIA ABREGO VICE CHAIRPE 1.00 X 0 0 0 JULIE GARZA TREASURER 1.00 X 0 0 0 MARIA E OVALLE SECRETARY 1.00 X 0 0 0 FRANCIS ROCHA BOARD MEMBER 1.00 X 0 0 0 ROBERT TAMEZ CHAIRPERSON 1.00 X 0 0 0 297993 2 false true false INTEREST ON LOANS 522100 1401081 1401081 MEMBER FEES 522100 277717 277717 OTHER OPERATING INCOME 522100 60190 60190 1738988 1762525 1762525 3501513 1738988 1762525 297993 918983 87280 129633 88611 29968 39720 139597 30109 234986 284796 88248 9720 516142 40773 OTHER OPERATING EXPENSES 146124 LOAN SERVICING 22207 ASSOCIATION DUES 19563 PROVISION FOR LOAN LOSS 12869 3137322 0 0 0 1041694 838348 13767220 23956494 -2734 -3321 101400 21958297 21520234 294047 190766 2021845 1514360 419568 507485 50231449 47109728 2497330 2616176 90206871 96837310 969289 1016333 75940130 79898628 76909419 80914961 X 13297452 15922349 13297452 15922349 90206871 96837310 364191 2260706 X false false 206377 206377 711789 581261 130528 1103679 933099 170580 507485 HELD TO MATURITY SECURITIES 46956000 C PERPETUAL CONTRI CAPITAL AT CORP CU 153728 C 47109728 MEMBER SHARE ACCOUNTS 79898628 79898628 false false false MARY CARPENTER CEO 194733 194733 NOTE - MARY CARPENTER SECURED LOAN X 55000 53428 false true true NOTE - MARY CARPENTER SECURED LOAN X 25007 25007 false true true NOTE - JULIE GARZA SECURED LOAN X 30000 20957 false true true NOTE - MARIA OVALLE SECURED LOAN X 20000 2008 false true true 101400 FORM 990 - ORGANIZATION'S MISSION FINANCIAL INSTITUTION PROVIDES BASIC FINANCIAL SERVICES TO MEMBERS IN THE FORM OF CHECKING, SAVINGS AND CERTIFICATE ACCOUNTS, IRAS, AND LOANS (SIGNATURE AND VEHICLE). THE CREDIT UNION ALSO PROVIDES CONVENIENCE SERVICES SUCH AS ONLINE BANKING, TELEPHONE BANKING, MONEY ORDERS AND TRAVELER'S CHECKS. FORM 990, PAGE 6, PART VI, LINE 6 THE CREDIT UNION HAS MEMBERS. FORM 990, PAGE 6, PART VI, LINE 11B THE 990 IS REVEIWED BY THE BOARD OF DIRECTORS, THE CEO AND CFO. FORM 990, PAGE 6, PART VI, LINE 19 NO DOCUMENTS AVAILABLE TO THE PUBLIC