Nonprofit · EIN 75-6016747
AMERICAS CREDIT UNION
Tax-exempt · GARLAND, TX 75042
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $23,506,529 | $22,081,018 | $1,425,511 | $430,172,747 | $370,359,590 | $59,813,157 |
| December 31, 2023 | 990 | $22,034,306 | $18,494,588 | $3,539,718 | $390,407,297 | $337,937,323 | $52,469,974 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $22,796,851
- Investment income
- $129,567
- Net rental income
- -$285,957
- Other revenue
- $580,111
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $2,080,861
- Other salaries and wages
- $8,186,879
- Salaries, compensation and benefits (total)
- $12,309,411
- Professional fundraising fees
- $0
- Legal fees
- $40,325
- Accounting fees
- $28,000
- Occupancy
- $578,167
- Travel
- $163,435
- Depreciation
- $491,633
Balance sheet and other
- Total assets, start of year
- $390,407,297
- Total assets, end of year
- $430,172,747
- Total liabilities, end of year
- $370,359,590
- Net assets, end of year
- $59,813,157
- Land, buildings and equipment
- $12,797,720
- Gross unrelated business income
- $866,068
- Gross receipts
- $24,236,816
- Employees
- 133
- Year formed
- 1934
- 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, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| BERT BEAL | CEO Officer | 40 | $579,077 | $71,151 |
| SHELLEY PENCE | CFO Officer | 40 | $261,818 | $50,043 |
| JASON STEELE | CIO Officer | 40 | $213,165 | $58,889 |
| TAMMY DE LA CERDA | Chief Lending Officer | 40 | $189,366 | $27,669 |
| ALEXA BRIDGES | VP-ACQUISTION & COMM | 40 | $179,077 | $34,963 |
| TAMMY CHAMBERS | VP HUMAN CAPITAL | 40 | $172,081 | $41,857 |
| SCARLET MIHAILOV | VP RETAIL SERVICES | 40 | $169,774 | $31,931 |
| AARON WILLIAMS | VP OF INN & MEMB | 40 | $146,236 | $25,464 |
| EDWIN CASTRO | – | 40 | $132,749 | $25,895 |
| PATRICIA MORRIS | VP-INTERNAL AUD | 40 | $127,422 | $26,969 |
| MARTIN MORTENSEN | INFO SYS MGR | 40 | $130,983 | $23,375 |
| BOYCE CROWNOVER | DIR DIG TR & SEC | 40 | $133,865 | $8,812 |
| RENEE BARTLETT | Director Trustee or director | 1 | $0 | $0 |
| RAFAYE NESMITH | Director Trustee or director | 1 | $0 | $0 |
| RAUL MERCADO | VICE CHAIR Trustee or director, Officer | 1 | $0 | $0 |
5 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| DENA SMITH | Secretary Trustee or director | 1 | $0 |
| KEVIN CRAWFORD | Director Trustee or director | 1 | $0 |
| LARRY WADSWORTH | Director Trustee or director | 1 | $0 |
| CHRISTOPHER ENGLISH | Chairman Trustee or director, Officer | 1 | $0 |
| SANDY THORNTON | Director Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 23 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| BERT BEAL | CEO Officer | 40 | $576,811 | $91,219 |
| SHELLEY PENCE | CFO Officer | 40 | $242,530 | $68,864 |
| JASON STEELE | CIO Officer | 40 | $186,437 | $57,981 |
| TAMMY DE LA CERDA | Chief Lending Officer | 40 | $174,911 | $24,773 |
| SCARLET MIHAILOV | VP RETAIL SERVICES | 40 | $150,638 | $22,764 |
| TAMMY CHAMBERS | VP HUMAN CAPITAL | 40 | $148,574 | $22,271 |
| AARON WILLIAMS | VP-INNOVATION & MEMBER EXP | 40 | $131,218 | $24,007 |
| MARTIN MORTENSEN | – | 40 | $125,306 | $20,890 |
| EDWIN CASTRO | – | 40 | $122,439 | $22,084 |
| BOYCE CROWNOVER | – | 40 | $126,183 | $13,911 |
| PATRICIA MORRIS | VP-INTERNAL AUDIT&FRAUD MITIGATION | 40 | $117,151 | $22,028 |
| LAURA MARTIN | – | 40 | $119,697 | $18,598 |
| JASON SAPP | – | 40 | $105,019 | $13,427 |
| ALEXA BRIDGES | VP-ACQUISTION & COMM | 40 | $104,123 | $9,298 |
| RENEE BARTLETT | Director Trustee or director | 1 | $0 | $0 |
| RAFAYE NESMITH | Director Trustee or director | 1 | $0 | $0 |
| RAUL MERCADO | VICE CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| MAGGIE RUBIN | Director Trustee or director | 1 | $0 | $0 |
| DENA SMITH | Secretary Trustee or director | 1 | $0 | $0 |
| KEVIN CRAWFORD | Director Trustee or director | 1 | $0 | $0 |
| LARRY WADSWORTH | Director Trustee or director | 1 | $0 | $0 |
| CHRISTOPHER ENGLISH | Chairman Trustee or director, Officer | 1 | $0 | $0 |
| SANDY THORNTON | Director Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 2145 FOREST LN, GARLAND, TX 75042-0000
- Signed the 990
- Bert Beal, President & CEO
- Phone
- (972) 494-5328
- Website
- AMERICASCU.ORG
- Return prepared by
- MCPA PC
Mission
AMERICA'S CREDIT UNION EXISTS TO EMPOWER MEMBER-OWNERS TO IMPROVE THEIR ECONOMIC WELL-BEING WHILE EMPLOYING THE FOLLOWING CORE VALUES: PERSONAL SERVICE, INTEGRITY, EXCELLENCE, FINANCIAL STABILITY, AND A COOPERATIVE PHILOSOPHY.
Program accomplishments
- PROVIDED COMPETITIVE, LOW COST FINANCIAL SERVICES TO MEET THE NEEDS OF CREDIT UNION MEMBERSHIP IN ORDER TO HELP THEM ACHIEVE IMPROVED ECONOMIC WELL-BEING.
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 year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 75-6016747
- 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
- Group exemption
- 2742: CREDIT UNION DEPARTMENT OF THE STATE OF TEXAS
- Assets (IRS master file)
- $430,172,747
- Income (IRS master file)
- $24,236,816
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $23,506,529 | $22,081,018 | $430,172,747 | IRS |
| 990 | December 2023 | $22,034,306 | $18,494,588 | $390,407,297 | XML |
| 990 | December 2022 | $17,980,276 | $15,331,949 | $407,039,109 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | 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 75-6016747).
Questions about AMERICAS CREDIT UNION
- What is the EIN of AMERICAS CREDIT UNION?
- The employer identification number (EIN) of AMERICAS CREDIT UNION is 75-6016747.
- Is AMERICAS CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1976.
- Are donations to AMERICAS CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does AMERICAS 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 AMERICAS CREDIT UNION due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did AMERICAS CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who are the officers and directors of AMERICAS CREDIT UNION?
- The 990 for the year ended December 31, 2024 lists 20 people; 12 received compensation from the organization, the highest $579,077 (BERT BEAL, CEO).
- How much revenue does AMERICAS CREDIT UNION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $23,506,529, expenses of $22,081,018 and total assets of $430,172,747 at year end.
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