U S Employees Credit Union
Nonprofit profile at a glance
- EIN
- 740695417
- IRS 990 coverage
- 2010–2025
- Forms available
- Form 990 2025, Form 990-N 2007
- Location
- Tomball, TX, USA
- Phone
- 7135953400
- Rating
- 50
- Verdict
- MIXED
- Rating confidence
- Moderate
Reported finances
- Revenue
- $4,442,614
- Expenses
- $3,808,591
- Assets
- $86,642,532
- Liabilities
- $77,990,322
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
13 people listed
Executive titles in this filing
- Sandra Childers (CEO)
Highest reported compensation
- Sandra Childers (CEO): $140,057 total reported compensation
- Marina Izvekova (VP of Accounting): $128,633 total reported compensation
- Latisha Schools (VP of Operations): $91,652 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
USE Credit Union's Mission is to encourage members' personal sucess through exceptional financial services. USE Credit Union offers competive deposit and loan rates to members, offering a cooperative approach to banking.
What it reported doing in 2025
Share Saving Accounts, USE Credit Union offers many different types of share savings accounts that pay our members competitive dividend tares. There are accounts that fit the needs of consumers of all ages from youth saving account that teach young people the importance of savings and how to make wise purchasing choices to IRA share and certificates accounts for mature members, members have access to personal finance tools provided by the Credit Union to help them make good financial decisions.
Operating model
- Revenue model
- Mixed. Its operating money came from several sources; no one source provided a clear majority.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
MIXED - The filed numbers largely add up and most voting board members are independent. A relatively small share of available resources goes toward mission work and a relatively small share of total spending goes to programs.
Rating breakdown
- Financial Efficiency: 0
- Transparency & Controls: 90
- Accountability: 86
- Sustainability: 62
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 0%; rating input score 0
- Program expense ratio: 0%; rating input score 0
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
- Governance controls: 6 of 9 controls in place; rating input score 67
- Conflict-of-interest policy: Fail
- Whistleblower policy: Fail
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 14.3%; rating input score 64; 64th percentile among comparable filings
- Total-asset coverage ratio: 22.75; rating input score 96; 96th percentile among comparable filings
- Liabilities to assets ratio: 0.9; rating input score 4; 4th percentile among comparable filings
- Officer compensation ratio: 11.6%; rating input score 29; 29th percentile among comparable filings
Growth
- Program expense growth: -35.7% per year; rating input score 0; 1st percentile among comparable filings
- Revenue growth: 0.4% per year; rating input score 100; 9th percentile among comparable filings
- Asset growth: 1.2% per year; rating input score 100; 14th percentile among comparable filings
Details
- Where the money goes: 0% of revenue deployed · 0% of spending went to programs
- Governance: 9 of 9 board members independent · 6 of 9 filing controls reported
- Programs: 4 filed program accomplishments · $3.8M in reported program spending
- Leadership: top reported pay $140K · 13 people listed
- Highest-paid contractors: 3 contractors listed · $723K reported
- Consistency: 12 of 13 current checks pass · 1 finding to review
- Schedules: 2 filed schedules
- Filing history: 16 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 4 filed money-flow records
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Financial Efficiency: Mission deployment rate scored 0/100.
- High — Financial Efficiency: Program expense ratio scored 0/100.
- Review — Accountability: Governance controls: 3 of 9 not reported.
- Moderate — Transparency & Controls: Functional expense sum did not reconcile in the filed values.
- High — Growth: Program expense growth scored 0/100.
- High — Sustainability: Liabilities to assets ratio scored 4/100.
- High — Sustainability: Officer compensation ratio scored 29/100.