Unity One Credit Union

Nonprofit profile at a glance

EIN
410447515
IRS 990 coverage
2010–2025
Forms available
Form 990 2025
Location
Fort Worth, TX, USA
Phone
8173063127
Rating confidence
Limited

Official website

Reported finances

Revenue
$16,400,802
Expenses
$16,944,931
Assets
$271,259,560
Liabilities
$258,406,127

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

14 people listed

Executive titles in this filing

  • SCOTT WARD (PRESIDENT / CEO)
  • PATTY REVIS (VICE PRESIDENT OF HUMAN RESOURCES)
  • HERB GARCIA (VICE PRESIDENT OF RISK)

Highest reported compensation

  • SCOTT WARD (PRESIDENT / CEO): $869,394 total reported compensation
  • NATHAN WEBB (VP TECHNOLOGY): $204,985 total reported compensation
  • BETH PETERS (VP LENDING): $190,035 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Provides a variety of financial services to its members. Its primary deposit products are share accounts, certificates of deposit and share draft accounts, while its primary loan products are single family residence and consumer loans.

What it reported doing in 2025

Checking accounts: providing checking accounts with varying features. Offering benefits such as atm access, debit cards as well as on-line benefits such as bill paying.

Operating model

Revenue model
Earned-program. 83% of the money available for current operations came from fees and other program revenue.
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

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Rating breakdown

  • Financial Efficiency: NotEnoughData
  • Transparency & Controls: 82
  • Accountability: 86
  • Sustainability: 36
  • Growth: 60

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: Limited
  • Program expense ratio: Limited
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
  • Pay-setting controls: 4 of 6 controls in place; rating input score 67
    • Compensation committee: Pass
    • Independent consultant: Pass
    • Other Form 990s reviewed: Missing
    • Written employment contract: Missing
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • 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; 64th percentile among comparable filings
  • Governance controls: 6 of 9 controls in place; rating input score 67
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • 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: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: -3.3%; rating input score 13; 13th percentile among comparable filings
  • Total-asset coverage ratio: 16.01; rating input score 90; 90th percentile among comparable filings
  • Liabilities to assets ratio: 0.95; rating input score 3; 3rd percentile among comparable filings
  • Officer compensation ratio: 10.3%; rating input score 23; 23rd percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: 4.5% per year; rating input score 100; 36th percentile among comparable filings
  • Asset growth: 3.7% per year; rating input score 100; 24th percentile among comparable filings

Details

  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 7 of 7 board members independent · 6 of 9 filing controls reported
  • Programs: 3 filed program accomplishments
  • Leadership: top reported pay $869K · 14 people listed · 4 of 6 pay-setting controls reported
  • Highest-paid contractors: 2 contractors listed · $2M reported
  • Consistency: 11 of 11 current checks pass
  • Schedules: 3 filed schedules · includes executive pay
  • Filing history: 15 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 6 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.

  • Review — Accountability: Governance controls: 2 of 8 not reported.
  • High — Sustainability: Operating margin scored 13/100.
  • High — Sustainability: Liabilities to assets ratio scored 3/100.
  • High — Sustainability: Officer compensation ratio scored 23/100.