Civic Intelligence

United Texas Credit Union

EIN 74-1241284 • 501(c)14 • San Antonio, TX

View Organization Page

Profile

Improving the financial well-being of our members and the communities we serve.

5500 Utsa BlvdSan Antonio, TX 78249

www.utxcu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

92nd percentile

0.94x

Higher debt load relative to assets than 92% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

70th percentile

16.29x

Higher debt load relative to revenue than 70% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

32nd percentile

6.0%

Higher net margin than 32% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

50th percentile

$439,795

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 1.8% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

40th percentile

1.5%

Faster asset growth than 40% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

36th percentile

9.4%

Faster revenue growth than 36% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$416,803,276

Up $6,239,553 (+1.5%) from 2023

Liabilities

Up

$390,096,495

Up $3,939,798 (+1.0%) from 2023

Net Assets

Up

$26,706,781

Up $2,299,755 (+9.4%) from 2023

Operations
Liabilities / Revenue70th percentileNet Margin32nd percentile

Revenue

Up

$23,949,852

Up $2,060,311 (+9.4%) from 2023

Expenses

Up

$22,518,277

Up $2,991,369 (+15%) from 2023

Net Income

Down

$1,431,575

Down $931,058 (-39%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth40th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$600M$400M$200M$0Assets 2018: $239,486,239Liabilities 2018: $219,272,537Net Assets 2018: $20,213,7022018Assets 2019: $250,795,175Liabilities 2019: $229,395,064Net Assets 2019: $21,400,1112019Assets 2020: $291,996,099Liabilities 2020: $269,841,666Net Assets 2020: $22,154,4332020Assets 2021: $382,411,783Liabilities 2021: $353,545,584Net Assets 2021: $28,866,1992021Assets 2022: $404,933,985Liabilities 2022: $383,327,063Net Assets 2022: $21,606,9222022Assets 2023: $410,563,723Liabilities 2023: $386,156,697Net Assets 2023: $24,407,0262023Assets 2024: $416,803,276Liabilities 2024: $390,096,495Net Assets 2024: $26,706,7812024

Highlighted filing

2024

Assets$416,803,276
Liabilities$390,096,495
Net Assets$26,706,781
Open 2024 Filing

Operations Trend

Revenue Growth36th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$30M$20M$10M$0Revenue 2018: $11,290,073Expenses 2018: $10,295,371Net Income 2018: $994,7022018Revenue 2019: $12,157,503Expenses 2019: $11,146,523Net Income 2019: $1,010,9802019Revenue 2020: $12,909,100Expenses 2020: $11,113,858Net Income 2020: $1,795,2422020Revenue 2021: $14,785,590Expenses 2021: $12,793,907Net Income 2021: $1,991,6832021Revenue 2022: $18,591,389Expenses 2022: $15,501,242Net Income 2022: $3,090,1472022Revenue 2023: $21,889,541Expenses 2023: $19,526,908Net Income 2023: $2,362,6332023Revenue 2024: $23,949,852Expenses 2024: $22,518,277Net Income 2024: $1,431,5752024

Highlighted filing

2024

Revenue$23,949,852
Expenses$22,518,277
Net Income$1,431,575
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$416,803,276
Liabilities
$390,096,495
Net assets
$26,706,781
Revenue
$23,949,852
Expenses
$22,518,277
Net income
$1,431,575
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$417$390$26.7$23.9$22.5$1.43
2023Detailed filing. Detailed filing data is available for this year.$411$386$24.4$21.9$19.5$2.36
2022Detailed filing. Detailed filing data is available for this year.$405$383$21.6$18.6$15.5$3.09
2021Detailed filing. Detailed filing data is available for this year.$382$354$28.9$14.8$12.8$1.99
2020Detailed filing. Detailed filing data is available for this year.$292$270$22.2$12.9$11.1$1.80
2019Detailed filing. Detailed filing data is available for this year.$251$229$21.4$12.2$11.1$1.01
2018Summary only. Only limited summary data is available for this year.$239$219$20.2$11.3$10.3$0.99
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 13, 2025
Return Version
2024v5.2
Gross Receipts
$23,965,850
Mission and Program Overview

Mission

Improving the financial well-being of our members and the communities we serve.

A member-owned, not-for-profit financial cooperative with the mission of improving the financial well-being of our members and the communities we serve.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$309,817,525$307,365,665▼ $2,451,860
Investments Other Securities$62,457,570$69,946,950▲ $7,489,380
Rtn Earn Endowment Incm Other Fnds$24,407,026$26,706,781▲ $2,299,755
Land, Buildings, and Equipment, Net$16,237,985$16,096,788▼ $141,197
Cash and Non-Interest-Bearing Accounts$4,320,657$3,678,136▼ $642,521
Accounts Receivable$1,052,282$1,915,599▲ $863,317
Prepaid Expenses and Deferred Charges$800,141$733,881▼ $66,260
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$410,563,723$416,803,276▲ $6,239,553
Other Assets Total$15,877,563$17,066,257▲ $1,188,694
Liabilities
Other Liabilities$381,318,345$385,646,828▲ $4,328,483
Accounts Payable and Accrued Expenses$4,838,352$4,449,667▼ $388,685
Total Liabilities$386,156,697$390,096,495▲ $3,939,798
Net Assets / Fund Balance
Total Net Assets Fund Balance$24,407,026$26,706,781▲ $2,299,755
Total Liabilities and Net Assets / Fund Balance$410,563,723$416,803,276▲ $6,239,553

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$9,288,885$4,995,575-
Other Land Buildings$227,030$1,436,363-
Land$5,350,957--
Equipment$415,665$3,004,360-
Leasehold Improvements$814,251$860,679-
Other Securities$12,040,777--
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kyle AshleyPresident/CEOFT$327,738$112,057$439,795
Tammina JohnsonCOOFT$186,652$57,739$244,391
James BaumannCLOFT$171,732$59,493$231,225
Mario SaldivarCIOFT$153,702$41,084$194,786
Alfred SakerCFOFT$144,939$40,592$185,531
David GrayMbr Business LendingFT$138,583$43,061$181,644
Patricia RhodesVP Consumer LendingFT$131,380$47,153$178,533
Melissa PetoskeyVP AccountingFT$121,609$25,439$147,048
Jesus CastilloVP Mortgage LendingFT$116,547-$116,547
Rosanne HernandezVP OperationsFT$107,181$8,490$115,671
Debra BradberryVP Proj. SpecialistFT$102,326$1,200$103,526
Anthony SanchezBoard Member-$3,600-$3,600
Bill GregoryChairman-$3,600-$3,600
Don MannBoard Member-$3,600-$3,600
James WheelerBoard Treasurer-$3,600-$3,600
Jodie SandersBoard Member-$3,600-$3,600
John ReesBoard Member-$3,600-$3,600
Richard BaggsBoard Secretary-$3,600-$3,600
Rick TobiasVice-chairman-$3,600-$3,600

Highest Paid Contractors

ContractorServicesLocationCompensation
Mastercard InternationalCredit Card2200 MASTERCARD BOULEVARD, Ofallon, MI 63368$504,739
Co-op Financial ServicesAtm Service9692 HAVEN AVE, Rancho Cucamonga, CA 91730$452,561
Computer Marketing CorpComputer Processing8520 SOUTH SANDY PARKWAY, Sandy, UT 84070$339,477
Prime Maintenance & ManagementRepairs & Maintenance21906 BIG BEND CANYON, San Antonio, TX 78258$242,799
Cennox Reactive Field ServicesAtm ServicePO BOX 7048 GROUP 22, Indianapolis, IN 46207$166,994
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$21,993,658
Investment Income
$1,779,432
Other Revenue
$176,762
Change in Net Assets
$1,431,575
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$16,070,657
Salaries, Compensation, and Employee Benefits$6,447,620
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$8,318,216
Other Salaries and Wages---$3,083,552
Current Officers, Directors, Trustees, and Key Employees---$2,170,498
Occupancy---$1,386,297
Office Expenses---$1,131,497
All Other Expenses---$866,598
Other Expenses---$614,018
Other Employee Benefits---$488,639
Advertising---$480,552
Payroll Taxes---$389,461
Pension Plan Contributions---$315,470
Depreciation Depletion---$289,972
Fees for Services Accounting---$159,000
Travel---$104,194
Insurance---$87,071
Fees for Services Legal---$23,230
Total Functional Expenses$0$0$0$22,518,277
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares (deposits)$371,422,637
Notes Payable$12,710,000
Other Liabilities$1,144,489
Dividends Payable$369,702
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“There are no classes of members, only one type of member with the same rights as any other member.”

Form 990, Part VI, Section A, Line 7A

“All members have the right to elect members of the governing body at the annual meeting and all members have the right to receive a share of the organization's net assets upon the dissolution of the organization.”

Form 990, Part VI, Section B, Line 11B

“Upon completion of form 990, the cfo and ceo will review it and deliver it to the governing body for final approval.”

Form 990, Part VI, Section B, Line 15A

“Compensation survey and board approval.”

Form 990, Part VI, Section C, Line 19

“The credit union makes its governing documents, conflict of interest, and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
United Texas Credit Union
EIN
74-1241284
Phone
2105614525
Address
5500 UTSA BLVD, SAN ANTONIO, TX 78249

Signing Officer

Name
Alfred Saker
Title
CFO
Phone
2105614525
Signed
2025-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kyle Ashley
Formed
1955
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
8
Employees
97
Volunteers
8

Preparer

Firm
Whitley Penn Llp
Address
11503 NW MILITARY HWY STE 225, SAN ANTONIO, TX 78231
Preparer
Barbara Lynn Herbst
Phone
2106142284
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“The credit union is a state-chartered credit union which is exempt, by statute, from federal and state income taxes. Gaap requires the credit union management to evaluate tax positions taken by the credit union and recognize a tax liability (or asset) if the credit union has taken an uncertain position that more likely than not would not be sustained upon examination by the internal revenue service. The credit unions management has analyzed the tax positions taken by the credit union and has concluded that as of december 31, 2024, there are no uncertain positions taken or expected to be taken that would require recognition of a liability (or asset) or disclosure in the consolidated financial statements. The credit union may be subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress. The credit unions management believes it is no longer subject to income tax examinations for years prior to 2021.”

Raw XML AppendixShowing 400 of 632 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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