AUSTIN, TX
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)UNITED HERITAGE CREDIT UNION, founded in 1957, is a mid-sized nonprofit that reported $79.7M in total revenue in fiscal year 2023. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $72.5M left a modest 9% surplus.
UHCU PROVIDES A VARIETY OF FINANCIAL SERVICES TO ITS MEMBERS AND PROVIDES INSURANCE AND INVESTMENT BROKERAGE SERVICES TO MEMBERS THROUGH THIRD PARTY RELATIONSHIPS.
LOANS: CREDIT UNIONS PROVIDE CONSUMER LOANS OF ALL TYPES, INCLUDING VEHICLE LOANS, UNSECURED LOANS, AND CREDIT CARDS. SOME CREDIT UNIONS OFFER RESIDENTAIL MORTGAGES AND SMALL BUSINESS LOANS. CREDIT...
LOANS: CREDIT UNIONS PROVIDE CONSUMER LOANS OF ALL TYPES, INCLUDING VEHICLE LOANS, UNSECURED LOANS, AND CREDIT CARDS. SOME CREDIT UNIONS OFFER RESIDENTAIL MORTGAGES AND SMALL BUSINESS LOANS. CREDIT UNIONS MAY ALSO OFFER RELATED SERVICES SUCH AS CREDIT, LIFE, OR DISABILITY INSURANCE.
SHARE SAVINGS ACCOUNTS: ALL CREDIT UNIONS OFFER SHARE SAVINGS ACCOUNTS WHICH PAY DIVIDENDS MONTHLY. MANY CREDIT UNIONS OFFER SPECIAL SAVINGS ACCOUNTS FOR MINORS OR ACCOUNTS FOR HOLIDAY SAVINGS.
CHECKING ACCOUNTS: CREDIT UNIONS OFFER CHECKING ACCOUNTS WITH VARYING FEATURES, FROM FREE ACCOUNTS TO MONEY MARKET ACCOUNTS. MANY CHECKING ACCOUNTS HAVE ATM ACCESS, DEBIT CARD ACCESS, AS WELL AS...
CHECKING ACCOUNTS: CREDIT UNIONS OFFER CHECKING ACCOUNTS WITH VARYING FEATURES, FROM FREE ACCOUNTS TO MONEY MARKET ACCOUNTS. MANY CHECKING ACCOUNTS HAVE ATM ACCESS, DEBIT CARD ACCESS, AS WELL AS ON-LINE BENEFITS, SUCH AS BILL PAYING.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2023 | 2022 | Change | |
|---|---|---|---|
| Revenue | $79,701,411 | $66,954,834 | +0.2% |
| Expenses | $72,467,549 | $49,976,961 | +0.5% |
| Net Income | $7,233,862 | $16,977,873 | -0.6% |
Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics
Financial Distress Indicator
Liquidity & Cash Position
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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| MICHAEL TREVINO | BOARD MEMBER | 2.00 |
Director
|
$16,464 | $450 | $16,914 |
| VALENTIN VELASQUEZ | BOARD MEMBER | 2.00 |
Director
|
$15,765 | $450 | $16,215 |
| EDWARD CLEMENTS | BOARD MEMBER | 2.00 |
Director
|
$15,065 | $450 | $15,515 |
| HAROLD KEYES | BOARD MEMBER - CHAIRPERSON | 4.00 |
Officer
Director
|
$14,681 | $450 | $15,131 |
| ROBERT HOOTKINS | BOARD MEMBER | 2.00 |
Director
|
$13,661 | $450 | $14,111 |
| ROBERT SPURCK | BOARD MEMBER | 2.00 |
Director
|
$13,000 | $797 | $13,797 |
| AMBER SHAMMAS | BOARD MEMBER | 2.00 |
Director
|
$13,000 | $450 | $13,450 |
| TOMMY LUEDERS | BOARD MEMBER | 2.00 |
Director
|
$13,000 | $238 | $13,238 |
| BRENDA HENRY | BOARD MEMBER | 2.00 |
Director
|
$13,000 | $15 | $13,015 |
| WILFORD SCHROEDER | PRESIDENT/CEO (PART YEAR) | 40.00 |
Officer
|
$1,183,452 | $48,810 | $1,232,262 |
| MICHAEL VER SCHUUR | PRESIDENT/CEO | 40.00 |
Officer
|
$975,599 | $64,772 | $1,040,371 |
| SAMANTHA HESS | COO | 40.00 |
Officer
|
$371,495 | $50,477 | $421,972 |
| NATHAN BROWN | CTO | 40.00 |
Officer
|
$159,589 | $8,807 | $168,396 |
| MATTHEW LYMAN | CLO | 40.00 |
Officer
|
$157,004 | $10,106 | $167,110 |
| TROY GARRY | CFO | 40.00 |
Officer
|
$67,204 | $0 | $67,204 |
| SARA VARA | VP HR | 40.00 |
Key Emp
|
$328,098 | $46,197 | $374,295 |
| DIANE BROWN | VP INFO SVCS/CORE SVCS | 40.00 |
Key Emp
|
$290,791 | $38,497 | $329,288 |
| REBECCA ELLIOTT | VP FINANCE | 40.00 |
Key Emp
|
$277,220 | $45,081 | $322,301 |
| KAREN WILKERSON | VP RISK MGT/ISO | 40.00 |
Key Emp
|
$274,767 | $43,773 | $318,540 |
| JACOB BERNHARD | VP RE LENDING | 40.00 |
Key Emp
|
$274,139 | $42,454 | $316,593 |
| DEENA MASSA | VP BRANCH OPERATIONS | 40.00 |
Key Emp
|
$269,614 | $46,607 | $316,221 |
| KRISTIE SIMO | VP CONSUMER LENDING | 40.00 |
Key Emp
|
$281,438 | $27,602 | $309,040 |
| JOSHUA ROBLES | VP COMMERCIAL LENDING | 40.00 |
Key Emp
|
$261,064 | $34,540 | $295,604 |
| DALE TRIPP | VP OF COMPLIANCE | 40.00 |
Key Emp
|
$245,937 | $43,618 | $289,555 |
| KEVIN FARLEY | VP EXPERIENCE & ENGAGEMENT | 40.00 |
Key Emp
|
$239,271 | $17,999 | $257,270 |
| KAREN POLLACK | VP OF DIGITAL | 40.00 |
Key Emp
|
$190,835 | $9,999 | $200,834 |
| STUART GEHRKE | AVP INFORMATION TECHNOLOGY | 40.00 |
Highest
|
$167,226 | $57,439 | $224,665 |
| KERI BROWN | AVP PROJECT MANAGEMENT | 40.00 |
Highest
|
$189,151 | $27,226 | $216,377 |
| CHARLES SHASKY | AVP LEARNING & DEVELOPMENT | 40.00 |
Highest
|
$161,151 | $46,340 | $207,491 |
| CHAD HUDSON | AVP CONSUMER LOAN OPS | 40.00 |
Highest
|
$177,638 | $20,684 | $198,322 |
| SEBRINA CRAWFORD | VP OPERATIONS | 40.00 |
Highest
|
$148,310 | $7,775 | $156,085 |
| MARK WOODBRIDGE | AVP OF FINANCE | 40.00 |
Highest
|
$168,180 | $32,300 | $200,480 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | No data | No data | No data | No data |
| 2023 | $79,701,411 | $72,467,549 | $1,534,688,042 | $7,233,862 |
| 2022 | $66,954,834 | $49,976,961 | $1,520,494,758 | $16,977,873 |
| 2021 | $55,051,200 | $43,117,120 | $1,405,950,790 | $11,934,080 |
| 2020 | $49,916,423 | $45,313,338 | $1,228,006,484 | $4,603,085 |
| 2019 | $48,829,880 | $42,816,641 | $1,074,547,983 | $6,013,239 |
| 2018 | $46,528,587 | $37,496,277 | $1,022,750,686 | $9,032,310 |
Compare UNITED HERITAGE CREDIT UNION with other nonprofits in Texas and across the country.