Texas Bay Credit Union
501(c)(14)
Only 0% goes to programs Strong reserves Growing revenue
Texas Bay Credit Union is a 501(c)(14) organization based in Houston, Texas, registered in 1976, with $67,175,799 in FY2024 revenue. CharityIndex grades it C, and it directs about 0% of spending to programs.
12611 Fuqua St, Houston, TX, 77034 EIN 74-1142852 Since 1976
Revenue (FY2024)
$67.2M
▲ 13.3% vs prior year
Expenses (FY2024)
$65.3M
Net assets
$774.1M
Employees
182
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
C
FProgram efficiency40% of the rating0% to programs
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. For Texas Bay Credit Union: 0% to programs earns a F on this criterion. See the exact thresholds →
B+Financial health25% of the rating142 mo reserves · +3% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For Texas Bay Credit Union: 142 mo reserves · +3% margin earns a B+ on this criterion. See the exact thresholds →
C+Governance25% of the rating3 of 6 checks met
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. For Texas Bay Credit Union: 3 of 6 checks met earns a C+ on this criterion. See the exact thresholds →
ATransparency10% of the rating4 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For Texas Bay Credit Union: 4 of 5 disclosure signals earns a A on this criterion. See the exact thresholds →
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Mission
Consumer finance
Contact & location
Financial trends
Revenue grew from $23.0M (FY2013) to $67.2M (FY2024) across 11 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $78.7MNet assets $774.1M
Operating margin
2.7%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$852.8M
Total liabilities
$78.7M
Net assets
$774.1M
Salaries & benefits
$15.1M
23% of expenses
Board members
58,306
58,306 independent
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $67,175,799▲13.3% | $65,333,476▲20.4% | $774,069,288▲26.5% | $852,782,443▲20.7% | 990 |
| 2023 | $59,286,481▲30.5% | $54,271,295▲31.9% | $611,882,214▲11.9% | $706,695,939▲8.2% | 990 |
| 2022 | $45,431,669▲24.8% | $41,150,145▲24.9% | $546,794,717▲2.5% | $652,953,146▲16.7% | 990 |
| 2021 | $36,404,556▲2.5% | $32,941,787▼2.1% | $533,295,453▲5.1% | $559,614,598▲4.1% | 990 |
| 2020 | $35,520,235▼7.8% | $33,635,016▼7.2% | $507,527,692▲9.3% | $537,570,025▲7.2% | 990 |
| 2019 | $38,538,409▲11.8% | $36,258,932▲14.1% | $464,326,104▲14.0% | $501,470,838▲13.4% | 990 |
| 2018 | $34,455,447▲1.4% | $31,789,835▲7.8% | $407,178,790▲4.3% | $442,138,776▲1.0% | 990 |
| 2017 | $33,977,855▲21.4% | $29,481,317▲17.5% | $390,527,007▲8.1% | $437,679,465▲10.5% | 990 |
| 2016 | $27,977,155▲15.9% | $25,083,130▲13.9% | $361,427,749▲19.2% | $396,190,994▲21.2% | 990 |
| 2014 | $24,138,627▲5.1% | $22,029,448▲1.9% | $303,246,511▲8.8% | $326,759,555▲6.6% | 990 |
| 2013 | $22,961,476 | $21,627,452▲14.3% | $278,818,388▲1.6% | $306,404,308▲5.9% | 990 |
| 2012 | — | $18,916,659▲17.5% | $274,417,475▲12.0% | $289,279,930▲9.6% | 990 |
| 2011 | — | $16,095,680▼2.2% | $245,104,694▲5.7% | $264,028,166▲10.2% | 990 |
| 2010 | — | $16,459,945 | $231,877,908 | $239,576,819 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Leadership & compensation (FY2024)
Highest-paid: Jesse Gutierrez — $630,266 (0.96% of total expenses)
| Name | Title | Hours/week | Compensation |
|---|---|---|---|
| Jesse Gutierrez | President/ce | 40 | $630,266 |
| Syed Dinar | Evp Cfo | 40 | $400,523 |
| Chelly Deleon | Vp of Hr | — | $199,349 |
| Brandy Guzman | Vp of Branch | 40 | $195,715 |
| Brian Ellis | Vp Card Serv | 40 | $189,861 |
| Jeremy Bratton | Vp of Compli | 40 | $176,373 |
| Paul Maslonka | Vp of Intern | 40 | $166,388 |
| Charloltte Yocom | Vp of Market | 40 | $149,472 |
| Chauncey Onyon | Vp of Techno | 40 | $133,971 |
| Ariel Turca | Avp of Branc | 40 | $128,168 |
| Diana Nguyen | Avp of Accou | 40 | $126,554 |
| Harry Satia | Avp of Branc | 40 | $124,774 |
| Jessie Aguilar | Vp of Techno | 40 | $116,823 |
| Carolyn Rivera | Avp of Asset | 40 | $113,898 |
| Bret Hoda | Vp of Lendin | 40 | $109,671 |
| Jose Guajardo | Avp of Branc | 40 | $105,612 |
| Logan Cates | Avp of Mortg | 40 | $97,864 |
Frequently asked questions
- Is Texas Bay Credit Union a legitimate nonprofit?
- Yes. Texas Bay Credit Union is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 74-1142852, based in Houston, Texas.
- What is Texas Bay Credit Union's EIN?
- Texas Bay Credit Union's Employer Identification Number (EIN) is 74-1142852.
- How much revenue does Texas Bay Credit Union report?
- Texas Bay Credit Union reported $67,175,799 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- How much of Texas Bay Credit Union's spending goes to programs?
- Texas Bay Credit Union spends about 0% of its total expenses on programs, based on its latest IRS Form 990.
- What financial grade does Texas Bay Credit Union have?
- CharityIndex grades Texas Bay Credit Union C, based on program efficiency and fundraising cost.
- How much does Texas Bay Credit Union's highest-paid employee make?
- The highest reported compensation on Texas Bay Credit Union's latest Form 990 is $630,266, paid to Jesse Gutierrez (President/ce).
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Data for Texas Bay Credit Union (EIN 74-1142852) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.