HOUSTON, TX
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)MEMBERS CHOICE CREDIT UNION, founded in 1941, is a mid-sized nonprofit that reported $45.4M in total revenue in fiscal year 2023. Revenue surged 23% from the prior year, signaling strong growth momentum. Expenses of $41.9M left a modest 8% surplus.
MEMBERS CHOICE CREDIT UNION IS A COOPERATIVE OWNED BY THE MEMBERS OF THE CREDIT UNION. IT IS A NON-PROFIT FINANCIAL INSTITUTION ORGANIZED TO PROMOTE THRIFT AND PROVIDE CREDIT TO MEMBERS AT LOWER RATES THAN IS AVAILABLE FROM OTHER SOURCES.
MEMBERS CHOICE CREDIT UNION PROVIDES PLASTIC CARD SERVICES FOR MEMBERS THROUGH THE USE OF DEBIT CARDS, CREDIT CARDS, MULTIPLE CREDIT UNION OWNED ATM MACHINES, AND ACCESS TO A NATIONWIDE ATM NETWORK...
MEMBERS CHOICE CREDIT UNION PROVIDES PLASTIC CARD SERVICES FOR MEMBERS THROUGH THE USE OF DEBIT CARDS, CREDIT CARDS, MULTIPLE CREDIT UNION OWNED ATM MACHINES, AND ACCESS TO A NATIONWIDE ATM NETWORK. AS CARDHOLDERS, CREDIT UNION MEMBERS ENJOY FEE-FREE TRANSACTIONS. INCOME IS EARNED BY THE CREDIT UNION IN THE FORM OF NETWORK INTERCHANGE INCOME. EXPENSES INCURRED ARE FOR ATM HOSTING COSTS AND PLASTIC CARD PROCESSING EXPENSES PAID TO THIRD PARTY PROCESSORS.
WE WILL BEST SERVE OUR MEMBER-OWNERS AND PROVIDE THEM THE ABILITY TO MAXIMIZE THEIR FINANCIAL GOALS BY BECOMING THE MOST MEMBER-CENTRIC FINANCIAL COOPERATIVE IN OUR AREA.
MEMBERS CHOICE CREDIT UNION PAYS COMPETITIVE DIVIDEND RATES ON SHARE DEPOSIT ACCOUNTS. TYPES OF ACCOUNTS OFFERED BY THE CREDIT UNION INCLUDE SHARE SAVINGS, CHECKING, SHARE CERTIFICATES, MONEY...
MEMBERS CHOICE CREDIT UNION PAYS COMPETITIVE DIVIDEND RATES ON SHARE DEPOSIT ACCOUNTS. TYPES OF ACCOUNTS OFFERED BY THE CREDIT UNION INCLUDE SHARE SAVINGS, CHECKING, SHARE CERTIFICATES, MONEY MARKETS, AND IRAS. AS A FINANCIAL COOPERATIVE, MEMBERS CHOICE STRIVES TO OFFER THE HIGHEST QUALITY SERVICE PLUS PAY HIGHLY COMPETITIVE DIVIDEDS BACK TO THE MEMBER OWNERS.
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 | $45,425,997 | $36,872,440 | +0.2% |
| Expenses | $41,885,946 | $45,483,083 | -0.1% |
| Net Income | $3,540,051 | $-8,610,643 | -1.4% |
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 |
|---|---|---|---|---|---|---|
| JOHNNY WILLIAMS | CHAIRMAN OF BOARD | 1.00 |
Director
|
$0 | $0 | $0 |
| GENE ATTEBERRY | BOARD SECRETARY | 1.00 |
Director
|
$0 | $0 | $0 |
| WILLFRED KRENEK | BOARD TREASURER | 1.00 |
Director
|
$0 | $0 | $0 |
| EDGAR CONNER JR | VICE CHAIRMAN OF THE BOARD | 1.00 |
Director
|
$0 | $0 | $0 |
| RON JULUN | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| TONYA JORDAN | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| ROSE JAMES | ADVISORY DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| AVIS BRAGGS | ADVISORY DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| PAUL WITHEY | ADVISORY DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| MICHAEL YATES | ADVISORY DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| WILLIS BRADEN | ADVISORY DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| BILLERI LUKE ANTHONY | CEO | 40.00 |
Highest
|
$444,904 | $18,493 | $463,397 |
| OWENS RALPH EDWARD | CIO | 40.00 |
Highest
|
$246,357 | $6,967 | $253,324 |
| TUCKER BONITA JEANNE | COO | 40.00 |
Highest
|
$240,993 | $9,581 | $250,574 |
| TOOMS ROBIN L | CHIEF MARKETING OFFICER | 40.00 |
Highest
|
$235,750 | $10,053 | $245,803 |
| THEILIG RANDY | CEO - FORMER | 40.00 |
Highest
|
$223,912 | $419 | $224,331 |
| RIVERA MARINA H | CHIEF RETAIL & LENDING OFFICER | 40.00 |
Highest
|
$195,649 | $4,872 | $200,521 |
| HRNYAK KEITH A | CFO | 40.00 |
Highest
|
$159,231 | $4,688 | $163,919 |
| WEST ROSEANNA | VP OF MORTGAGE ORIGINATION | 40.00 |
Highest
|
$154,904 | $7,595 | $162,499 |
| MENCHACA LIANNA ROSE | VP OF FINANCE | 40.00 |
Highest
|
$146,627 | $3,218 | $149,845 |
| PLOCEK ROBERT DALTON | IT DIRECTOR | 40.00 |
Highest
|
$145,783 | $7,239 | $153,022 |
| SEGURA JACQUELINE | VP OF CONSUMER LENDING | 40.00 |
Highest
|
$139,964 | $4,109 | $144,073 |
| GARRITY TIMOTHY MICHAEL | CLOUD, INFRASTRUCTURE, & SECURITY MANAGER | 40.00 |
Highest
|
$132,505 | $6,575 | $139,080 |
| TEJADA MANCIA KATERINE GUADALUPE | DIRECTOR OF HUMAN RESOURCES | 40.00 |
Highest
|
$117,757 | $3,484 | $121,241 |
| TURNER NATHAN DELMANE | INFORMATION SECURITY OFFICER | 40.00 |
Highest
|
$112,658 | $4,466 | $117,124 |
| GIFFORD KAREN NADINE | LEAD PORGRAMMER | 40.00 |
Highest
|
$110,531 | $5,477 | $116,008 |
| SEGURA JESSICA | VP OF RETAIL EXPERIENCE | 40.00 |
Highest
|
$109,675 | $1,067 | $110,742 |
| PUENTE GABRIELA LUZ | DIRECTOR OF MARKETING | 40.00 |
Highest
|
$107,000 | $5,200 | $112,200 |
| GONZALEZ ERIC | MORTGAGE LOAN OFFICER | 40.00 |
Highest
|
$106,940 | $3,160 | $110,100 |
| LANIER GARY WAYNE | CHIEF STRATEGY OFFICER | 40.00 |
Highest
|
$106,846 | $2,885 | $109,731 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | No data | No data | No data | No data |
| 2023 | $45,425,997 | $41,885,946 | $752,127,874 | $3,540,051 |
| 2022 | $36,872,440 | $45,483,083 | $754,025,395 | $-8,610,643 |
| 2021 | $28,765,001 | $29,461,596 | $715,418,251 | $-696,595 |
| 2020 | $26,893,983 | $30,035,782 | $667,981,139 | $-3,141,799 |
| 2020 | $26,893,983 | $30,035,782 | $667,981,139 | $-3,141,799 |
| 2018 | $29,861,142 | $26,795,689 | $590,075,622 | $3,065,453 |
Compare MEMBERS CHOICE CREDIT UNION with other nonprofits in Texas and across the country.