About Credit Unions, USECU, and You

According to the National Credit Union Administration (NCUA), an independent federal regulatory agency in charge of the credit union industry:

A credit union is a nonprofit, cooperative financial institution owned by its members. Organized to serve, democratically controlled credit unions provide their members with a safe place to save and borrow at reasonable rates. Members pool their funds to make loans to one another. The volunteer board that runs the credit union is elected by the members. Not for profit, not for charity, but for service is a credit union motto.

Our Credit Union vs. Banks

The bottom line for the difference between credit unions and banks is profit–while banks are larger, for-profit businesses that operate in the interest of making the bank more money, our credit union is a local nonprofit institution invested in serving our members. As a member-owned organization, USECU operates by its members, for its members. This allows us to offer competitive interest rates, better customer service, and member benefits and financial services tailored to the needs of our USECU community.

Our History

Our first check, dated January 10, 1934.

Our first check, dated January 10, 1934.

Our credit union was originally chartered in December 1933 as the Houston Railway Postal Clerks Credit Union. Following the tradition of “one member, one vote” our credit union has undergone frequent name changes reflecting our continual growth in our scope of membership.As USECU, or United States Employees’ Credit Union, our credit union started in Downtown Houston, TX for government employees in the area. In 1998, we expanded with community charters and in 2008, USECU moved to Tomball, TX to establish our first standalone building.

In the over 10 years since, we have worked to develop the USECU community in the surrounding area and build up our membership. Today, USE Credit Union has over 9,000 members and remains dedicated to our mission of serving our members in all their financial needs.

Our Mission & Our Commitment to You
Encourage members’ personal success through exceptional financial services today and tomorrow.
As a part of our credit union, you’re not just another customer–you’re a member-owner. You own part of the credit union and we’re dedicated to work for you. Whether you’re looking to save money or borrow through loans, our friendly and knowledgeable staff is ready to help you with all your financial needs. Our success as a credit union is directly dependent on the success of our members, so let us help secure your finances for you and your loved ones.

Management Team

Sandy Childers


Debbie Gonzalez

VP of Operations

Laura Leal

Technology Manager

Marina Izvekova

VP of Accounting

Board of Directors

Each volunteer board member is elected to a three-year term and is responsible for setting policies, participating in the development of the strategic plan, reviewing and approving the annual budget.

Member Name Position Term Expiration
Clarence Brooks Chairman of the Board 2027
Michael Foster Vice Chairman 2026
Charles Konikoff Secretary/Treasurer 2025
Gerald Bunn Director 2027
Troy Conner Director 2025
Pamela Edwards Director 2026
Linda Corbin Director 2025
Shahara Wright Director 2025
Karen Hyman Director 2026
Christopher Fortune Director 2027


  • Winter 2023
  • Winter 2022
  • Winter 2021
  • Summer 2021
  • Winter 2020
  • Fall 2019
  • April 2019
  • January 2019
  • October 2018
  • July 2018
  • April 2018
  • January 2018
  • October 2017
  • July 2017
  • April 2017
  • January 2017
  • October 2016
  • July 2016
  • April 2016
  • January 2016
  • October 2015
  • July 2015
  • April 2015

Annual Reports

  • Annual Report Final 2023
  • Annual Report Final 2022
  • Annual Report Final 2021
  • Annual Report Final 2020
  • Annual Report Final 2019
  • Annual Report Final 2018
  • Annual Report Final 2017
  • Annual Report Final 2016
  • Annual Report Final 2015
  • Annual Report Final 2014