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Nonprofit · EIN 74-1142836

MEMBERS FIRST CREDIT UNION

Tax-exempt · CORP CHRISTI, TX 78411

Financials

$9M$6.4M2023$9.5M$7.2M2024$10.2M$7.5M2025
Revenue Expenses · by fiscal year end
Financials of MEMBERS FIRST CREDIT UNION by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$10,180,697$7,537,019$2,643,678$186,929,948$143,056,502$43,873,446
December 31, 2024990$9,528,295$7,161,544$2,366,751$180,767,268$140,623,796$40,143,472
December 31, 2023990$9,038,151$6,387,846$2,650,305$175,245,593$138,036,401$37,209,192
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$7,281,811
Investment income
$2,898,886
Net gain from sales of assets
$10,166
Other revenue
$0

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$350,170
Other salaries and wages
$1,855,650
Salaries, compensation and benefits (total)
$2,692,133
Professional fundraising fees
$0
Occupancy
$587,706
Travel
$57,285
Program services (functional)
$7,537,019

Balance sheet and other

Total assets, start of year
$180,767,268
Total assets, end of year
$186,929,948
Total liabilities, end of year
$143,056,502
Net assets, end of year
$43,873,446
Land, buildings and equipment
$4,402,685
Publicly traded securities
$9,819,853
Gross unrelated business income
$50,651
Gross receipts
$10,404,306
Employees
58
Volunteers
0
Year formed
1938
State of legal domicile
TX

From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.

Officers, directors and key employees

As listed on the 990 for the year ended December 31, 2025, highest compensation first.

NameTitleHours / weekCompensation
WANDA MUESSELCEO
Officer
40$216,657
PAUL BESSEEXECUTIVE VICE PRESIDENT
Officer
40$133,513
BLAKE KEMMISCHIEF INFORMATION OFFICER
Highest-paid employee
1$114,781
ADRIANA MENCHACACHIEF OPERATIONS OFFICER
Highest-paid employee
1$113,134
LUTHER HIGHTCHAIRMAN
Trustee or director
1$0
CURTIS REEVESVICE-CHAIRMAN
Trustee or director
1$0
RAY ALMAGUERSECRETARY/TREASURER
Trustee or director
1$0
MANUEL ESQUIVEL IIIDIRECTOR
Trustee or director
1$0
SABRA MORLANDIRECTOR
Trustee or director
1$0
SAM SHORESDIRECTOR
Trustee or director
1$0
MARK KULWICKIDIRECTOR
Trustee or director
1$0
990 for the year ended December 31, 2024: 9 people
NameTitleHours / weekCompensation
WANDA MUESSELCEO
Officer
40$210,512
PAUL BESSECFO
Officer
40$119,018
LUTHER HIGHTCHAIRMAN
Trustee or director
1$0
CURTIS REEVESVICE-CHAIRMAN
Trustee or director
1$0
RAY ALMAGUERSECRETARY/TREASURER
Trustee or director
1$0
MANUEL ESQUIVEL IIIDIRECTOR
Trustee or director
1$0
SABRA MORLANDIRECTOR
Trustee or director
1$0
SAM SHORESDIRECTOR
Trustee or director
1$0
MARK KULWICKIDIRECTOR
Trustee or director
1$0
990 for the year ended December 31, 2023: 9 people
NameTitleHours / weekCompensation
WANDA MUESSELCEO
Officer
40$200,125
PAUL BESSECFO
Officer
40$105,309
SAM SHORESCHAIRMAN
Trustee or director
1$0
MARK KULWICKIVICE-CHAIRMAN
Trustee or director
1$0
RAY ALMAGUERSECRETARY/TREASURER
Trustee or director
1$0
MANUEL ESQUIVEL IIIDIRECTOR
Trustee or director
1$0
SABRA MORLANDIRECTOR
Trustee or director
1$0
LUTHER HIGHTDIRECTOR
Trustee or director
1$0
CURTIS REEVESDIRECTOR
Trustee or director
1$0

Address and contacts

Address (IRS master file)
5444 S STAPLES ST, CORP CHRISTI, TX 78411-4651
In care of
% PAUL BESSE
Principal officer (990 for 2025)
PAUL BESSE, 5444 S STAPLES ST, CORPUS CHRISTI, TX 78411
Signed the 990
PAUL BESSE, EXECUTIVE VICE PRESIDENT
Phone
(361) 991-6178

Mission

TO IMPROVE THE FINANCIAL WELL BEING OF OUR MEMBER/OWNERS BY PROMOTING THRIFT SAVINGS AND OFFERING COMPETITIVE LOAN PRODUCTS

990 for the year ended December 31, 2025

Program accomplishments

  • TO IMPROVE THE FINANCIAL WELL BEING OF OUR MEMBER/OWNERS BY PROMOTING THRIFT SAVINGS AND OFFERING COMPETITIVE LOAN PRODUCTS
    Expenses $7,537,019 · revenue $10,130,046

What it must file and when

IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.

Tax yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026990 on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
74-1142836
Tax-exempt status
501(c)(14): State-chartered credit union
Donations deductible
No
Exempt since
1976
Accounting year ends
December
Files
Form 990 or 990-EZ
Assets (IRS master file)
$186,929,948
Income (IRS master file)
$10,404,306

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$10,180,697$7,537,019$186,929,948XML
990December 2024$9,528,295$7,161,544$180,767,268XML
990December 2023$9,038,151$6,387,846$175,245,593XML
990December 2022$7,706,314$5,022,619$173,689,389IRS
990December 2021–––IRS
990December 2020–––IRS
990December 2019–––IRS
990December 2018–––IRS

990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 74-1142836).

Questions about MEMBERS FIRST CREDIT UNION

What is the EIN of MEMBERS FIRST CREDIT UNION?
The employer identification number (EIN) of MEMBERS FIRST CREDIT UNION is 74-1142836.
Is MEMBERS FIRST CREDIT UNION tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1976.
Are donations to MEMBERS FIRST CREDIT UNION tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does MEMBERS FIRST CREDIT UNION file?
Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
When is the next return of MEMBERS FIRST CREDIT UNION due?
The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
When did MEMBERS FIRST CREDIT UNION last file with the IRS?
The latest return in the IRS public files is the 990 for the year ended December 2025.
Who is the principal officer of MEMBERS FIRST CREDIT UNION?
The 990 for the year ended December 31, 2025 names PAUL BESSE.
Who are the officers and directors of MEMBERS FIRST CREDIT UNION?
The 990 for the year ended December 31, 2025 lists 11 people; 4 received compensation from the organization, the highest $216,657 (WANDA MUESSEL, CEO).
How much revenue does MEMBERS FIRST CREDIT UNION have?
On its 990 for the year ended December 31, 2025 it reported revenue of $10,180,697, expenses of $7,537,019 and total assets of $186,929,948 at year end.

Other nonprofits in CORP CHRISTI

All nonprofits in CORP CHRISTI · Texas