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About Us

85 Years of Being Houstonians Financial Partner

Texas Bay is the leading credit union in Houston and financial partner that was founded on May 12, 1936, by Houstonians, for Houstonians. That means we work for our members. We take care of our members by using our net earnings for lower interest rates, higher dividends on deposits, low fees, and offer FREE products and services. Texas Bay succeeds by preserving a secure financial position, increasing membership growth, and maintaining high member satisfaction. 

Texas Bay was originally chartered as Houston Sinclair Refinery Employees' Credit Union and began operations out of the Sinclair Refinery plant. The first meeting of Sinclair Refinery Employees' Credit Union was held on Jun 3, 1936. Over the years, while Texas Bay Credit Union might have gone through a few name changes, we still hold our core values that began back in 1936. We are here for our members and take the role that our members have entrusted us with as their Financial Partner seriously.  There is no "I Can't" at Texas Bay Credit Union. We work tirelessly to provide the best service to our members and work to find each members tailored-made solution to help members reach their financial dreams. For more information about Texas Bay, one of the leading credit unions in Houston, Texas, contact us today.

Annual Report

Check out our 2020 Annual Report.

As a member of Texas Bay Credit Union, you are an owner and have the right to various types of information about your credit union in accordance with the Texas State Finance Code 15.4105. Texas Bay produces an annual report that is made available during the Annual Meeting and on this website. Information available for you to learn more about your credit union includes:

Located in the latest Annual Report

  • Annual Balance Sheet

  • Income and Expense Statement

  • Board Members and Term Expiration Dates

  • Overall Financial Condition

Located on our website

Available upon request

  • Bylaws (Available Upon Request)

  • Article of Incorporation (Available Upon Request)

You also may view a summary of the most recent annual audit, the most recent statement of financial condition, the IRS Form 990, as well as any other document consistent with applicable laws or regulations. 

Texas Bay's Leadership Team

Board of Directors Management Team
Rudy Wright,
Jesse Gutierrez,
President & CEO
Tom Merchant,
Syed Dinar,
Executive Vice President & Chief Financial Officer
Raymond Andrews,
Dennis Y'Barbo,
Vice President & Chief Technology Officer
John Swanson,
Brandy Guzman,
Vice President of Branch Operations
Larry Clowers,
Roseanna West,
Vice President of Mortgages
Mark Wygant,
Chelly DeLeon,
Vice President of Human Resources
Mike Cacciotti,
Jeremy Bratton,
Vice President of Training and Compliance
Wayne Otwell,
Brian Ellis,
Vice President of Back Office & Facilities
Jeff Barba,

Ron Rainer,
Advisory Director

Curt Burnett,
Advisory Director