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← DATCU

Form 990 for tax year 2025

Filed by DATCU.

Totals

Total revenue
$108,023,080
Total expenses
$81,797,010
Contributions and grants received
$0
Grants paid
$249,426
Program service revenue
$99,929,928
Investment income
$8,021,152
Other revenue
$72,000
Total assets, end of year
$1,748,069,275
Total liabilities, end of year
$1,459,786,475
Net assets or fund balances, end of year
$288,282,800
Program services expenses (Part IX)
not reported
Management and general expenses
not reported
Fundraising expenses
not reported
Program service expenses (Part III)
not reported

Line items

Every line the filer filed in Parts VIII, IX and X, as filed and in filed order. Blank columns are left out, and the lines are not forced to add up to the totals above.

Revenue

Part VIII, the statement of revenue.

  • 2a · Program service revenue: INTEREST ON LOANS

    total $83,926,844 · related or exempt $83,926,844

  • 2b · Program service revenue: OTHER OPERATIONS

    total $10,636,109 · related or exempt $10,493,516 · unrelated business $142,593

  • 2c · Program service revenue: FEE INCOME

    total $5,366,975 · related or exempt $5,299,853 · unrelated business $67,122

  • 3 · Investment income

    total $7,974,513 · excluded $7,974,513

  • 6a · Gross rents

    real property $72,000

  • 6b · Less rental expenses

    real property $0

  • 6c · Rental income or loss

    real property $72,000

  • 6d · Net rental income or loss

    total $72,000 · unrelated business $72,000

  • 7a · Gross sales of assets other than inventory

    other assets $46,639

  • 7b · Less cost or other basis and sales expenses

    other assets $0

  • 7c · Gain or loss

    other assets $46,639

  • 7d · Net gain or loss

    total $46,639 · related or exempt $46,639

Functional expenses

Part IX, the statement of functional expenses.

  • 1 · Grants to domestic organizations and governments

    total $249,426

  • 4 · Benefits paid to or for members

    total $23,264,103

  • 5 · Compensation of officers, directors and key employees

    total $7,001,621

  • 7 · Other salaries and wages

    total $14,823,844

  • 8 · Pension plan contributions

    total $751,744

  • 9 · Other employee benefits

    total $2,690,597

  • 10 · Payroll taxes

    total $1,187,298

  • 11b · Fees: legal

    total $174,812

  • 11c · Fees: accounting

    total $157,206

  • 11g · Fees: other

    total $67,107

  • 12 · Advertising and promotion

    total $1,782,807

  • 13 · Office expenses

    total $157,920

  • 14 · Information technology

    total $7,064,765

  • 16 · Occupancy

    total $1,467,025

  • 17 · Travel

    total $73,984

  • 19 · Conferences, conventions and meetings

    total $174,914

  • 22 · Depreciation, depletion and amortization

    total $2,216,131

  • 23 · Insurance

    total $314,224

  • 24a · Other expenses: TAXES

    total $188,086

  • 24b · Other expenses: PROVISION FOR LOAN LOSS

    total $10,735,789

  • 24c · Other expenses: LOAN SERVICING EXPENSE

    total $2,847,730

  • 24d · Other expenses: REPAIRS AND MAINTENANCE

    total $1,549,529

  • 24e · All other expenses

    total $2,856,348

Balance sheet

Part X, book values.

  • 1 · Cash, non-interest-bearing

    beginning of year $119,950,165 · end of year $165,757,946

  • 2 · Savings and temporary cash investments

    beginning of year $8,354,047 · end of year $11,202,831

  • 7 · Other notes and loans receivable

    beginning of year $1,414,444,220 · end of year $1,472,085,789

  • 9 · Prepaid expenses and deferred charges

    beginning of year $5,574,753 · end of year $5,724,953

  • 10a · Land, buildings and equipment: cost or other basis

    $70,534,903

  • 10b · Land, buildings and equipment: accumulated depreciation

    $20,355,988

  • 10c · Land, buildings and equipment, net

    beginning of year $44,937,188 · end of year $50,178,915

  • 13 · Investments: program-related

    beginning of year $14,477,758 · end of year $23,001,237

  • 15 · Other assets

    beginning of year $17,883,737 · end of year $20,117,604

  • 17 · Accounts payable and accrued expenses

    beginning of year $14,949,386 · end of year $14,075,837

  • 25 · Other liabilities

    beginning of year $1,348,615,752 · end of year $1,445,710,638

  • 29 · Capital stock, trust principal or current funds

    beginning of year $0 · end of year $0

  • 30 · Paid-in or capital surplus, or land, building or equipment fund

    beginning of year $0 · end of year $0

  • 31 · Retained earnings, endowment or other funds

    beginning of year $262,056,730 · end of year $288,282,800

Mission and programs · 2025

Mission

DATCU'S MISSION IS TO PROVIDE OUR MEMBERSHIP WITH A WIDE ARRAY OF COMPETITIVELY PRICED AND EFFICIENTLY DELIVERED SERVICES TO MEET THEIR FINANCIAL NEEDS.

Activities or mission (Part I)

PROVIDING MEMBERS WITH A WIDE ARRAY OF COMPETITIVELY PRICED AND EFFICIENTLY DELIVERED SERVICES.

  • LOANS OF ALL TYPES ARE MADE TO MEMBERS OF THE CREDIT UNION.

  • SAVINGS ACCOUNTS FOR MEMBERS OF THE CREDIT UNION.

  • CHECKING ACCOUNTS FOR MEMBERS OF THE CREDIT UNION.

As filed on the 2025 return.

Listed in Part VII

  • Robert Ramirez

    CHAIR

    Total calculated
    $1,264
    From this org
    $1,264
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Michael Foster

    VICE CHAIR

    Total calculated
    $2,100
    From this org
    $2,100
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Kristen Howell

    SECRETARY

    Total calculated
    $1,356
    From this org
    $1,356
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Gary Goldsmith

    DIRECTOR

    Total calculated
    $1,757
    From this org
    $1,757
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • James Wilson

    DIRECTOR

    Total calculated
    $2,202
    From this org
    $2,202
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Lee Howell

    DIRECTOR

    Total calculated
    $1,879
    From this org
    $1,879
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Glen McKenzie

    CEO (OUTGOING)

    Total calculated
    $1,700,055
    From this org
    $1,639,882
    From related orgs
    $0
    Other
    $60,173
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $874,708
    Bonus
    $352,497
    Other
    $412,677
    Deferred
    $28,000
    Nontaxable benefits
    $32,173
    Filer's total
    $1,700,055

  • Melanie Vest

    PRESIDENT/CEO

    Total calculated
    $1,231,722
    From this org
    $1,161,819
    From related orgs
    $0
    Other
    $69,903
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $668,654
    Bonus
    $215,906
    Other
    $277,259
    Deferred
    $28,000
    Nontaxable benefits
    $41,903
    Filer's total
    $1,231,722

  • Jon Madsen

    EVP

    Total calculated
    $616,870
    From this org
    $572,902
    From related orgs
    $0
    Other
    $43,968
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $227,271
    Bonus
    $143,246
    Other
    $202,385
    Deferred
    $28,000
    Nontaxable benefits
    $15,968
    Filer's total
    $616,870

  • James Henderson

    EVP, CIO

    Total calculated
    $804,502
    From this org
    $733,505
    From related orgs
    $0
    Other
    $70,997
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $427,626
    Bonus
    $125,685
    Other
    $180,194
    Deferred
    $28,000
    Nontaxable benefits
    $42,997
    Filer's total
    $804,502

  • Craig Neu

    SVP CLO

    Total calculated
    $415,490
    From this org
    $347,512
    From related orgs
    $0
    Other
    $67,978
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $264,478
    Bonus
    $53,356
    Other
    $29,678
    Deferred
    $28,000
    Nontaxable benefits
    $39,978
    Filer's total
    $415,490

  • David Frazier

    SVP COO

    Total calculated
    $359,565
    From this org
    $296,991
    From related orgs
    $0
    Other
    $62,574
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $225,614
    Bonus
    $45,838
    Other
    $25,539
    Deferred
    $22,296
    Nontaxable benefits
    $40,278
    Filer's total
    $359,565

  • Kayla Walding

    SVP CPO

    Total calculated
    $342,528
    From this org
    $305,694
    From related orgs
    $0
    Other
    $36,834
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $246,893
    Bonus
    $45,000
    Other
    $13,801
    Deferred
    $22,254
    Nontaxable benefits
    $14,580
    Filer's total
    $342,528

  • Kerry Cristales

    SVP CFO

    Total calculated
    $298,101
    From this org
    $263,516
    From related orgs
    $0
    Other
    $34,585
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $235,225
    Bonus
    $28,125
    Other
    $166
    Deferred
    $19,960
    Nontaxable benefits
    $14,625
    Filer's total
    $298,101

  • Robert Hall

    SVP TECHNOLOGY STRATEGY & SOLUTIONS

    Total calculated
    $491,529
    From this org
    $448,906
    From related orgs
    $0
    Other
    $42,623
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $348,936
    Bonus
    $66,557
    Other
    $33,413
    Deferred
    $28,000
    Nontaxable benefits
    $14,623
    Filer's total
    $491,529

  • Sonya Thompson

    SVP IS

    Total calculated
    $411,157
    From this org
    $352,164
    From related orgs
    $0
    Other
    $58,993
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $273,159
    Bonus
    $52,500
    Other
    $26,505
    Deferred
    $25,049
    Nontaxable benefits
    $33,944
    Filer's total
    $411,157

  • Tommy White

    SVP MARKETING

    Total calculated
    $319,544
    From this org
    $256,204
    From related orgs
    $0
    Other
    $63,340
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $201,876
    Bonus
    $42,000
    Other
    $12,328
    Deferred
    $19,971
    Nontaxable benefits
    $43,369
    Filer's total
    $319,544

  • Susan Passariello

    VP MARKETING

    Total calculated
    $271,282
    From this org
    $217,408
    From related orgs
    $0
    Other
    $53,874
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $195,871
    Bonus
    $20,440
    Other
    $1,097
    Deferred
    $18,711
    Nontaxable benefits
    $35,163
    Filer's total
    $271,282

  • Deanna Peterson

    VP HR & TRAINING

    Total calculated
    $270,025
    From this org
    $222,721
    From related orgs
    $0
    Other
    $47,304
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $190,535
    Bonus
    $28,804
    Other
    $3,382
    Deferred
    $17,611
    Nontaxable benefits
    $29,693
    Filer's total
    $270,025

  • Melanie Robinson

    VP DIGITAL SERVICES

    Total calculated
    $233,567
    From this org
    $178,683
    From related orgs
    $0
    Other
    $54,884
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $155,095
    Bonus
    $23,438
    Other
    $150
    Deferred
    $14,906
    Nontaxable benefits
    $39,978
    Filer's total
    $233,567

  • Jarrett McPike

    VP LENDING

    Total calculated
    $201,985
    From this org
    $174,212
    From related orgs
    $0
    Other
    $27,773
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $155,329
    Bonus
    $18,750
    Other
    $133
    Deferred
    $13,193
    Nontaxable benefits
    $14,580
    Filer's total
    $201,985

  • Larry Jimenez

    VP COLLECTIONS

    Total calculated
    $150,163
    From this org
    $131,961
    From related orgs
    $0
    Other
    $18,202
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $131,579
    Bonus
    $0
    Other
    $382
    Deferred
    $3,262
    Nontaxable benefits
    $14,940
    Filer's total
    $150,163

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us.

Schedule J

Answered yes

  • 1a · Travel for companions
  • 1a · Health or social club dues or initiation fees
  • 1b · Written policy on the line-1a expenses
  • 2 · Substantiation required before reimbursing expenses
  • 3 · Written employment contract
  • 3 · Compensation survey or study
  • 3 · Approval by the board or compensation committee
  • 4b · Supplemental nonqualified retirement plan

Answered no

  • 4a · Severance or change-of-control payment
  • 4c · Equity-based compensation arrangement

The filer's explanations (Part III)

PART II, COLUMN F
AMOUNTS REPORTED ON PART II, COLUMN B(III) FOR EMPLOYEES 1-10 INCLUDE CONTRIBUTIONS UNDER A 457(F) DEFERRED COMPENSATION PLAN. THESE AMOUNTS WERE INCLUDED IN TAXABLE WAGES AND PROPERLY REPORTED ON THE EMPLOYEES' 2025 FORMS W-2, BOX 5.

Part I's answers as filed. A line not listed was left unanswered; on lines 1a and 3 that means the box was not checked.

Grants on this return

Taxable family on this return

Schedule R Parts I, III and IV, as filed. These record ownership and control, not shared board members or money moved.

Related corporations and trusts

Part IV: related organizations taxable as a corporation or trust.

  • DATCU INSURANCE SERVICES LLC

    C · INSURANCE · TX · 100% owned · share of income $1,195,512 · share of assets $4,757,387 · controlled entity

    Directly controlled by DATCU

Provenance

Return type
form_990
Tax year
2025
Filed
28 July 2026
IRS schema version
2025v4.2
Source object
202642119349301114

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