Civic Intelligence

Union Square Credit Union

EIN 75-0971964 • 501(c)14 • Wichita Falls, TX

View Organization Page

Profile

To serve financial needs and dreams.

1401 HollidayWichita Falls, TX 76301

www.unionsquare.org

Siviq Scores

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

Liabilities / Assets

82nd percentile

0.92x

Higher debt load relative to assets than 82% of similar nonprofits.

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

Liabilities / Revenue

10th percentile

11.37x

Higher debt load relative to revenue than 10% of similar nonprofits.

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

Net Margin

5th percentile

-6.4%

Higher net margin than 5% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

7th percentile

-4.9%

Faster asset growth than 7% of similar nonprofits.

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

Revenue Growth

47th percentile

14%

Faster revenue growth than 47% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Down

$590,203,667

Down $30,730,298 (-4.9%) from 2023

Liabilities

Down

$545,578,783

Down $27,971,757 (-4.9%) from 2023

Net Assets

Down

$44,624,884

Down $2,758,541 (-5.8%) from 2023

Operations
Liabilities / Revenue10th percentileNet Margin5th percentile

Revenue

Up

$47,979,281

Up $5,993,174 (+14%) from 2023

Expenses

Up

$51,072,086

Up $7,740,211 (+18%) from 2023

Net Income

Down

-$3,092,805

Down $1,747,037 (-130%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth7th percentile

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

$800M$600M$400M$200M$0Assets 2015: $337,717,668Liabilities 2015: $296,220,153Net Assets 2015: $41,497,5152015Assets 2016: $347,021,365Liabilities 2016: $305,916,441Net Assets 2016: $41,104,9242016Assets 2017: $350,543,958Liabilities 2017: $308,760,742Net Assets 2017: $41,783,2162017Assets 2018: $352,132,020Liabilities 2018: $309,493,020Net Assets 2018: $42,639,0002018Assets 2019: $372,947,272Liabilities 2019: $327,620,376Net Assets 2019: $45,326,8962019Assets 2020: $478,483,331Liabilities 2020: $430,974,700Net Assets 2020: $47,508,6312020Assets 2021: $559,980,799Liabilities 2021: $509,396,978Net Assets 2021: $50,583,8212021Assets 2022: $684,777,588Liabilities 2022: $634,649,454Net Assets 2022: $50,128,1342022Assets 2023: $620,933,965Liabilities 2023: $573,550,540Net Assets 2023: $47,383,4252023Assets 2024: $590,203,667Liabilities 2024: $545,578,783Net Assets 2024: $44,624,8842024

Highlighted filing

2024

Assets$590,203,667
Liabilities$545,578,783
Net Assets$44,624,884
Open 2024 Filing

Operations Trend

Revenue Growth47th percentile

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

$60M$40M$20M$0-$20MRevenue 2015: $9,221,319Expenses 2015: $5,841,691Net Income 2015: $3,379,6282015Revenue 2016: $15,126,293Expenses 2016: $14,677,182Net Income 2016: $449,1112016Revenue 2017: $15,780,025Expenses 2017: $15,172,437Net Income 2017: $607,5882017Revenue 2018: $18,435,755Expenses 2018: $17,953,344Net Income 2018: $482,4112018Revenue 2019: $19,949,532Expenses 2019: $18,442,000Net Income 2019: $1,507,5322019Revenue 2020: $23,422,986Expenses 2020: $21,945,557Net Income 2020: $1,477,4292020Revenue 2021: $29,182,874Expenses 2021: $25,504,182Net Income 2021: $3,678,6922021Revenue 2022: $34,027,572Expenses 2022: $30,027,317Net Income 2022: $4,000,2552022Revenue 2023: $41,986,107Expenses 2023: $43,331,875Net Income 2023: -$1,345,7682023Revenue 2024: $47,979,281Expenses 2024: $51,072,086Net Income 2024: -$3,092,8052024

Highlighted filing

2024

Revenue$47,979,281
Expenses$51,072,086
Net Income-$3,092,805
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$590,203,667
Liabilities
$545,578,783
Net assets
$44,624,884
Revenue
$47,979,281
Expenses
$51,072,086
Net income
-$3,092,805
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$590$546$44.6$48.0$51.1$3.09
2023Detailed filing. Detailed filing data is available for this year.$621$574$47.4$42.0$43.3$1.35
2022Detailed filing. Detailed filing data is available for this year.$685$635$50.1$34.0$30.0$4.00
2021Detailed filing. Detailed filing data is available for this year.$560$509$50.6$29.2$25.5$3.68
2020Detailed filing. Detailed filing data is available for this year.$478$431$47.5$23.4$21.9$1.48
2019Detailed filing. Detailed filing data is available for this year.$373$328$45.3$19.9$18.4$1.51
2018Detailed filing. Detailed filing data is available for this year.$352$309$42.6$18.4$18.0$0.48
2017Detailed filing. Detailed filing data is available for this year.$351$309$41.8$15.8$15.2$0.61
2016Detailed filing. Detailed filing data is available for this year.$347$306$41.1$15.1$14.7$0.45
2015Detailed filing. Detailed filing data is available for this year.$338$296$41.5$9.22$5.84$3.38
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
$48,265,686
Mission and Program Overview

Mission

To serve financial needs and dreams.

To serve the financial needs of its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$536,050,865$471,366,548▼ $64,684,317
Rtn Earn Endowment Incm Other Fnds$47,383,425$44,624,884▼ $2,758,541
Cash and Non-Interest-Bearing Accounts$3,522,600$40,777,313▲ $37,254,713
Investments in Publicly Traded Securities$28,627,598$25,500,894▼ $3,126,704
Land, Buildings, and Equipment, Net$20,023,556$18,841,053▼ $1,182,503
Receivables From Officers Etc$6,881,382$7,236,589▲ $355,207
Savings and Temporary Cash Investments$4,896,813$6,474,720▲ $1,577,907
Investments Other Securities$3,410,431$3,316,277▼ $94,154
Accounts Receivable$230,976$340,415▲ $109,439
Prepaid Expenses and Deferred Charges$275,760$234,667▼ $41,093
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$620,933,965$590,203,667▼ $30,730,298
Other Assets Total$17,013,984$16,115,191▼ $898,793
Liabilities
Other Liabilities$567,176,602$541,913,140▼ $25,263,462
Accounts Payable and Accrued Expenses$3,623,938$3,665,643▲ $41,705
Mortgage Notes Payable Secured by Investment Property$2,750,000$0▼ $2,750,000
Total Liabilities$573,550,540$545,578,783▼ $27,971,757
Net Assets / Fund Balance
Total Net Assets Fund Balance$47,383,425$44,624,884▼ $2,758,541
Total Liabilities and Net Assets / Fund Balance$620,933,965$590,203,667▼ $30,730,298

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$15,024,003$9,561,206$24,585,209
Equipment$738,220$7,371,610$8,109,830
Land$2,598,613-$2,598,613
Leasehold Improvements$480,217$100,272$580,489
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patrick MurrayPresident/CEOFT$270,142$40,561$310,703
Scott FlinnChief Lending OfficerFT$94,877$127,904$222,782
Joe GuidryChief Information OfficerFT$164,508$33,066$197,574
Tammy HughesAvp Mortgage ProductionFT$58,848$102,736$161,584
Megan MaganaSVP President Human ResourcesFT$119,032$32,507$151,539
Karen SchreiberChief Financial OfficerFT$122,949$23,788$146,737
Monica DavisSVP Risk ManagementFT$126,313$19,723$146,036
Angela DavisLoan Constructiuon OfficerFT$119,262$18,945$138,207
Ida FergusonAvp Mortgage UnderwriterFT$114,197$18,718$132,915
Jeffery GladuVice President TechnologyFT$106,141$17,787$123,928
Justin HoustonMortgage Loan OfficerFT$107,161$13,973$121,134
Danny AhernDirector-$9,000-$9,000
David NixChairman-$9,000-$9,000
Julie PruettDirector-$9,000-$9,000
Paul FlemingSecretary/treasurer-$9,000-$9,000
Eric WestDirector-$8,261-$8,261
Gary StevensonVice Chairman-$6,680-$6,680

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservData ProcessingPO BOX 208457, Dallas, TX 75320$3,450,045
Pure ItNetwork Services17665 TELGE ROAD, Cypress, TX 77429$532,587
New Ground International INCContractingPO BOX 6228, Carol Stream, IL 60197$417,513
Kasasa LtdHigh Yield CheckingPO BOX 527, Lubbock, TX 79408$211,421
EltropyTexting PlatformPO BOX 8428 SUITE 510, Pasadena, CA 91109$132,901
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$37,376,782
Investment Income
$10,628,271
Other Revenue
$-25,772
Change in Net Assets
$-3,092,805
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$29,908,235
Salaries, Compensation, and Employee Benefits$10,366,587
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$10,797,264
Interest---$9,006,458
Other Salaries and Wages---$6,593,702
Fees for Services Other---$5,327,723
Office Expenses---$4,802,786
Current Officers, Directors, Trustees, and Key Employees---$1,350,239
Depreciation Depletion---$1,298,560
Other Employee Benefits---$969,509
Pension Plan Contributions---$865,006
Advertising---$857,350
Information Technology---$655,485
Occupancy---$606,696
Payroll Taxes---$588,131
Travel---$400,319
Insurance---$183,653
Fees for Services Accounting---$130,000
Other Expenses---$84,752
Fees for Services Legal---$37,115
Total Functional Expenses$0$0$0$51,072,086
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$6,881,382$7,236,589▲ $355,207
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBER'S SHARE AND SAVINGS ACCOUNT$541,422,359
Lease Liability$361,753
Deferred Compensation Liability$129,028
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Participation in this credit union is limited to those who qualify for membership as defined in the credit union's charter and bylaws. This generally consists of those who live or work in archer, baylor, clay, wichita and wilbarger counties, texas and cotton and tillman counties, oklahoma. In addition to a regularly qualified member, the spouse of a member, the blood or adoptive relatives of either of them and their spouses may be members.”

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

“The members of the credit union elect the board of directors.”

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

“Mergers and modifications to the field of membership must have prior approval from majority of members.”

Form 990, Part VI, Section A, Line 8B

“There are no committees that have authority to act on behalf of the governing body.”

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

“The form 990 is prepared by the organization's independent public accounting firm based on information provided by management. Once the draft is available, it is reviewed by management and any changes incorporated into the filing. Once this detailed review is complete, the draft of the form 990 is presented to the board of directors for their review and comments prior to filing with the irs.”

Form 990, Part VI, Section B, Line 12C

“Officers, directors or trustees, and key employees are required to disclose any outside interest to hr and management annually. This policy covers officers, directors, committee persons and employees. Determinations of whether a conflict exists and any restrictions imposed on persons with a conflict, such as recusal from the deliberations or decisions, are made in the ethics and conduct policy. These procedures are reviewed annually.”

Form 990, Part VI, Section B, Line 15

“The board of directors determine the compensation for the ceo. Salary surveys from cues, cuna and cornerstone credit union league are used to determine compensation. The vice chairman of the board documents the process and determination related to the ceo's compensation. The ceo is responsible for the determination of the compensation of other officers and key employees. Annual evaluations as well as surveys and scales are used in this determination. This process and determination is documented in the personnel files. The credit union uses a third party entitled compease that evaluates and establishes the recommended pay ranges for each position. These recommendations are reviewed semi-annually and approved annually by the ceo. The last time the process took place was in 2024.”

Form 990, Part VI, Section C, Line 19

“Governing documents are available upon request. Financial statements are posted monthly in each location of the credit union.”

Filing and Contact Details

Filer

Filer Name
Union Square Credit Union
EIN
75-0971964
Phone
9407208000
Address
1401 HOLLIDAY, WICHITA FALLS, TX 76301

Signing Officer

Name
Karen Schreiber
Title
Chief Financial Officer
Phone
9407208000
Signed
2025-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Patrick Murray
Formed
1957
Legal Domicile
TX
Voting Board Members
6
Independent Board Members
6
Employees
183
Volunteers
6

Preparer

Firm
Cliftonlarsonallen Llp
Address
2875 MICHELLE DRIVE 300, IRVINE, CA 92606
Preparer
Lisa N Ryssel CPA
Phone
7149781300
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Investment consultants 11,157. Other professional fees 5,172,990. Security services 8,183. Professional fees: armored car 49,026. Professional fees: payroll 42,966. Professional fees: indirect lending 36,240. Professional fees: webinars 7,161.”

FORM 990, PART XI, LINE 9:

“Change in cuso investment 6,346.”

Raw XML AppendixShowing 400 of 657 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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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt818718
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1013973
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt160
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IRS990/Form990PartVIISectionAGrp/PersonNm1SCOTT FLINN
IRS990/Form990PartVIISectionAGrp/PersonNm2JOE GUIDRY
IRS990/Form990PartVIISectionAGrp/PersonNm3TAMMY HUGHES
IRS990/Form990PartVIISectionAGrp/PersonNm4MEGAN MAGANA
IRS990/Form990PartVIISectionAGrp/PersonNm5KAREN SCHREIBER
IRS990/Form990PartVIISectionAGrp/PersonNm6MONICA DAVIS
IRS990/Form990PartVIISectionAGrp/PersonNm7ANGELA DAVIS
IRS990/Form990PartVIISectionAGrp/PersonNm8IDA FERGUSON
IRS990/Form990PartVIISectionAGrp/PersonNm9JEFFERY GLADU
IRS990/Form990PartVIISectionAGrp/PersonNm10JUSTIN HOUSTON
IRS990/Form990PartVIISectionAGrp/PersonNm11DAVID NIX
IRS990/Form990PartVIISectionAGrp/PersonNm12PAUL FLEMING
IRS990/Form990PartVIISectionAGrp/PersonNm13DANNY AHERN
IRS990/Form990PartVIISectionAGrp/PersonNm14JULIE PRUETT
IRS990/Form990PartVIISectionAGrp/PersonNm15ERIC WEST
IRS990/Form990PartVIISectionAGrp/PersonNm16GARY STEVENSON
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2166276
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
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IRS990/Form990PartVIISectionAGrp/TitleTxt1CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt3AVP MORTGAGE PRODUCTION
IRS990/Form990PartVIISectionAGrp/TitleTxt4SVP PRESIDENT HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt5CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt6SVP RISK MANAGEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt7LOAN CONSTRUCTIUON OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt8AVP MORTGAGE UNDERWRITER
IRS990/Form990PartVIISectionAGrp/TitleTxt9VICE PRESIDENT TECHNOLOGY
IRS990/Form990PartVIISectionAGrp/TitleTxt10MORTGAGE LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt12SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16VICE CHAIRMAN
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IRS990/Form990TFiledInd01
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IRS990/FSAuditedInd00
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990ScheduleD/EquipmentGrp/BookValueAmt0738220
IRS990ScheduleD/EquipmentGrp/DepreciationAmt07371610
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IRS990ScheduleD/LandGrp/BookValueAmt02598613
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02598613

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