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UNITED HERITAGE CREDIT UNION

EIN 74-1288659 AUSTIN, TX

Revenue 2024
$88,248,137
Expenses 2024
$81,266,661

As filed

Subsection
14
Classification
1000
Street
PO BOX 202020

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Group exemption

A subordinate covered by the group exemption of CREDIT UNION DEPARTMENT OF THE STATE OF TEXAS (EIN 74-6062733). matched by us

The IRS lists each organization's group exemption number; we match a subordinate to its central organization by that number and the affiliation code the IRS assigns.

Mission and programs · 2024

Mission

UHCU PROVIDES A VARIETY OF FINANCIAL SERVICES TO ITS MEMBERS AND PROVIDES INSURANCE AND INVESTMENT BROKERAGE SERVICES TO MEMBERS THROUGH THIRD PARTY RELATIONSHIPS.

Activities or mission (Part I)

UHCU IS A NOT-FOR-PROFIT COOPERATIVE PROVIDING FINANCIAL SERVICES TO ITS MEMBERS.

  • 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 ON-LINE BENEFITS, SUCH AS BILL PAYING.

As filed on the 2024 return.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • MICHAEL TREVINO

    BOARD MEMBER

    Total calculated
    $18,000
    From this org
    $18,000
    From related orgs
    $0
    Other
    $0
    Hours/week
    2

  • VALENTIN VELASQUEZ

    BOARD MEMBER

    Total calculated
    $16,500
    From this org
    $16,500
    From related orgs
    $0
    Other
    $0
    Hours/week
    2

  • EDWARD CLEMENTS

    BOARD MEMBER

    Total calculated
    $18,000
    From this org
    $18,000
    From related orgs
    $0
    Other
    $0
    Hours/week
    2

  • HAROLD KEYES

    BOARD MEMBER

    Total calculated
    $6,000
    From this org
    $6,000
    From related orgs
    $0
    Other
    $0
    Hours/week
    4

  • ROBERT HOOTKINS

    BOARD MEMBER

    Total calculated
    $18,000
    From this org
    $18,000
    From related orgs
    $0
    Other
    $0
    Hours/week
    2

  • ROBERT SPURCK

    BOARD MEMBER

    Total calculated
    $18,000
    From this org
    $18,000
    From related orgs
    $0
    Other
    $0
    Hours/week
    2

  • AMBER SHAMMAS

    BOARD MEMBER

    Total calculated
    $16,500
    From this org
    $16,500
    From related orgs
    $0
    Other
    $0
    Hours/week
    2

  • TOMMY LUEDERS

    BOARD MEMBER

    Total calculated
    $18,000
    From this org
    $18,000
    From related orgs
    $0
    Other
    $0
    Hours/week
    2

  • BRENDA HENRY

    BOARD MEMBER

    Total calculated
    $16,500
    From this org
    $16,500
    From related orgs
    $0
    Other
    $0
    Hours/week
    2

  • JACOB GUERRERO

    BOARD MEMBER

    Total calculated
    $12,000
    From this org
    $12,000
    From related orgs
    $0
    Other
    $0
    Hours/week
    2

  • MICHAEL VER SCHUUR

    PRESIDENT/CEO

    Total calculated
    $1,182,062
    From this org
    $1,116,143
    From related orgs
    $0
    Other
    $65,919
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $675,278
    Bonus
    $184,113
    Other
    $256,752
    Deferred
    $44,300
    Nontaxable benefits
    $21,619
    Filer's total
    $1,182,062

  • SAMANTHA HESS

    COO

    Total calculated
    $428,624
    From this org
    $381,297
    From related orgs
    $0
    Other
    $47,327
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $323,868
    Bonus
    $56,727
    Other
    $702
    Deferred
    $32,640
    Nontaxable benefits
    $14,687
    Filer's total
    $428,624

  • NATHAN BROWN

    CTO

    Total calculated
    $414,898
    From this org
    $349,334
    From related orgs
    $0
    Other
    $65,564
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $315,224
    Bonus
    $28,962
    Other
    $5,148
    Deferred
    $42,639
    Nontaxable benefits
    $22,925
    Filer's total
    $414,898

  • MATTHEW LYMAN

    CLO

    Total calculated
    $378,234
    From this org
    $339,674
    From related orgs
    $0
    Other
    $38,560
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $309,932
    Bonus
    $28,962
    Other
    $780
    Deferred
    $7,040
    Nontaxable benefits
    $31,520
    Filer's total
    $378,234

  • TROY GARRY

    CFO

    Total calculated
    $410,633
    From this org
    $338,494
    From related orgs
    $0
    Other
    $72,139
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $306,879
    Bonus
    $29,821
    Other
    $1,794
    Deferred
    $39,922
    Nontaxable benefits
    $32,217
    Filer's total
    $410,633

  • SARA VARA

    VP HR

    Total calculated
    $648,725
    From this org
    $603,564
    From related orgs
    $0
    Other
    $45,161
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $201,003
    Bonus
    $54,751
    Other
    $347,810
    Deferred
    $35,603
    Nontaxable benefits
    $9,558
    Filer's total
    $648,725

  • DIANE BROWN

    VP INFO SVCS/CORE SVCS

    Total calculated
    $311,937
    From this org
    $273,674
    From related orgs
    $0
    Other
    $38,263
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $250,395
    Bonus
    $19,925
    Other
    $3,354
    Deferred
    $27,275
    Nontaxable benefits
    $10,988
    Filer's total
    $311,937

  • REBECCA ELLIOTT

    VP FINANCE

    Total calculated
    $305,093
    From this org
    $257,895
    From related orgs
    $0
    Other
    $47,198
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $237,399
    Bonus
    $19,326
    Other
    $1,170
    Deferred
    $33,429
    Nontaxable benefits
    $13,769
    Filer's total
    $305,093

  • JACOB BERNHARD

    VP RE LENDING

    Total calculated
    $302,996
    From this org
    $259,449
    From related orgs
    $0
    Other
    $43,547
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $239,675
    Bonus
    $18,994
    Other
    $780
    Deferred
    $32,901
    Nontaxable benefits
    $10,646
    Filer's total
    $302,996

  • DEENA MASSA

    VP BRANCH OPERATIONS

    Total calculated
    $318,139
    From this org
    $270,331
    From related orgs
    $0
    Other
    $47,808
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $248,566
    Bonus
    $20,595
    Other
    $1,170
    Deferred
    $16,849
    Nontaxable benefits
    $30,959
    Filer's total
    $318,139

  • JOSHUA ROBLES

    VP COMMERCIAL LENDING

    Total calculated
    $278,912
    From this org
    $246,176
    From related orgs
    $0
    Other
    $32,736
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $226,719
    Bonus
    $18,287
    Other
    $1,170
    Deferred
    $22,125
    Nontaxable benefits
    $10,611
    Filer's total
    $278,912

  • DALE TRIPP

    VP OF COMPLIANCE

    Total calculated
    $303,532
    From this org
    $244,994
    From related orgs
    $0
    Other
    $58,538
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $224,607
    Bonus
    $18,593
    Other
    $1,794
    Deferred
    $30,368
    Nontaxable benefits
    $28,170
    Filer's total
    $303,532

  • KEVIN FARLEY

    VP EXPERIENCE & ENGAGEMENT

    Total calculated
    $250,085
    From this org
    $233,448
    From related orgs
    $0
    Other
    $16,637
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $214,943
    Bonus
    $17,335
    Other
    $1,170
    Deferred
    $5,200
    Nontaxable benefits
    $11,437
    Filer's total
    $250,085

  • KAREN POLLACK

    VP OF DIGITAL

    Total calculated
    $318,041
    From this org
    $279,954
    From related orgs
    $0
    Other
    $38,087
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $260,707
    Bonus
    $14,099
    Other
    $5,148
    Deferred
    $27,564
    Nontaxable benefits
    $10,523
    Filer's total
    $318,041

  • STUART GEHRKE

    AVP INFORMATION TECHNOLOGY

    Total calculated
    $233,993
    From this org
    $175,041
    From related orgs
    $0
    Other
    $58,952
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $168,738
    Bonus
    $1,200
    Other
    $5,103
    Deferred
    $37,562
    Nontaxable benefits
    $21,390
    Filer's total
    $233,993

The first 25 listed. 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. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $88,248,137
    Expenses
    $81,266,661
    Contributions
    $0
    Grants paid
    $195,501
  • 2023
    Revenue
    $79,701,411
    Expenses
    $72,467,549
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $66,954,834
    Expenses
    $49,976,961
    Contributions
    $0
    Grants paid
    $0

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $55,051,200
    Expenses
    $43,117,120
    Assets (EOY)
    $1,405,950,790

  • 2020 · 990

    Revenue
    $49,916,423
    Expenses
    $45,313,338
    Assets (EOY)
    $1,228,006,484

  • 2019 · 990

    Revenue
    $48,829,880
    Expenses
    $42,816,641
    Assets (EOY)
    $1,074,547,983

  • 2018 · 990

    Revenue
    $46,528,587
    Expenses
    $37,496,277
    Assets (EOY)
    $1,022,750,686

  • 2017 · 990

    Revenue
    $40,760,927
    Expenses
    $32,989,940
    Assets (EOY)
    $956,153,954

  • 2016 · 990

    Revenue
    $37,467,948
    Expenses
    $32,443,012
    Assets (EOY)
    $896,467,517

  • 2015 · 990

    Revenue
    $32,681,909
    Expenses
    $30,004,602
    Assets (EOY)
    $864,762,793

  • 2014 · 990

    Revenue
    $29,223,291
    Expenses
    $27,731,971
    Assets (EOY)
    $799,827,151

  • 2013 · 990

    Revenue
    $34,315,060
    Expenses
    $29,318,625
    Assets (EOY)
    $765,516,108

  • 2012 · 990

    Revenue
    not reported
    Expenses
    $29,673,485
    Assets (EOY)
    $717,533,133

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Grants made

Where these grants went next →

Grants received

No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.

Related organizations

From Schedule R Part II, where a filer lists the tax-exempt organizations it is related to by control. It does not record shared board members or money.

Declared on its 2024 return

Declared as related by

Taxable family

From Schedule R Parts I, III and IV: entities that legally are the filer, and taxable partnerships, corporations and trusts it is related to. These record ownership and control, not shared board members or money.

Disregarded entities on its 2024 return

Related partnerships on its 2024 return

  • UHCU INSURANCE SERVICES

    UNRELATED · INSURANCE SERVICES · TX · 90% owned · share of income $54,036 · share of assets $173,958

  • TEXAS MORGAGE LENDING LLC

    RELATED · CREDIT INTERMEDIARY · TX · 50% owned · share of income $476 · share of assets $1,491,179

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 29 October 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.