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We have a history of unwavering service

That mission of people helping people continues today.

That mission of people helping people continues today.

TDECU: Your Credit Union

How we started: it’s a “cool” story

TDECU formed in 1955 when a group of Dow employees pitched in $5 each to loan a friend $35 in order to buy a refrigerator. That mission of people helping people continues today. Over the last 65 years, we have grown to meet the needs of the communities we serve, and to bring TDECU’s passion for service and great value in products to new financially underserved areas. Our first merger took us west to the Crossroads market in the Victoria area, where we have made many new friends and Members, and have become an integral part of the community. In the East Market, where we began, we opened our field of membership to serve all Brazoria County residents. We now have 7 Member Centers in the county including a unique student-run Member Center in Columbia High School.

The future of TDECU

Since 2009, we have opened 15 Member Centers in Houston through three mergers …with credit unions that shared our passion for service. The acquisition of 8 Whitney Bank branches in 2014 doubled TDECU’s presence in that area. Today, TDECU has 39 service locations, including 35 Member Centers.

The original $35 loan made in 1955 has turned into over $4 billion in assets today that continue to improve the lives of our more than 354,000 Members by helping them get what they need to achieve their financial needs and dreams.

Our promise: unwavering service for our Members

As we have grown, our commitment to service has never wavered. In 2004, new service standards, named REAL, were developed by a group of TDECU employees with a dedication to go above and beyond to serve our Members. That same passion for service extended throughout our internal culture and into the communities we serve, and continues today. Through the financial turmoil of 2008 and 2009, TDECU’s commitment to service and value to our Members held strong. We continued to provide free checking that pays interest and maintained our low or no-fee product offerings because we refuse to leave Members’ sides in good times or bad.

We are the largest credit union in Houston and the fourth largest credit union in Texas today, but we are most proud of the lives we have improved along the way. We have more history to make. If you are not already a Member, we hope you join us on our journey of improving lives.

Our Leadership - Board of Directors

Richard Smith Chairman

Dick joined the TDECU Board of Directors in 1996, and has served as Chairman since 2014. Previously, Dick served as Second Vice Chairman and also served on the Succession Planning and Executive Compensation Committee, as well as the Finance, Talent and Benefits and Nominating Committees.

Dick’s other community service includes having served as Chairman of Junior Achievement of Brazoria County, Chairman of Community Awareness and Emergency Response (CAER) of Brazoria County, Chairman of the Brazosport Regional Health System, Chairman of the Brazoria County Petrochemical Council and as a Vice President for the Center for the Arts and Sciences.

Dick received a Bachelor of Science in chemical engineering from the University of Houston. He worked for 34 years for Nalco Chemical Company and retired as Plant Manager of the Freeport Plant.

Daniel L. Buche Vice Chairman

Daniel joined the TDECU Board of Directors in 2006. He currently serves as board Vice Chairman and also as the Chairman of the Finance Committee. Buche serves on the Succession Planning and Executive Compensation Committee, the Strategic Initiative Committee and the Governance Committee. He also serves as the Chairman of the TDECU Holdings Board of Directors. Previously, Buche served on the Advocacy Building Committee. Dan has been a TDECU Member since 2005.

A dedicated community volunteer, Buche also serves on the Master in Healthcare Administration Advisory Board for Texas A&M University and as a Fellow of the American College of Healthcare Executives (FACHE). He also served as a Board Member on the Catholic Healthcare Association of Texas and as that organization’s Chairman from 2001 to 2003.

Buche was employed as President and CEO of Brazosport Regional Health System where he retired in 2012. He was previously employed at St. Joseph Regional Health System in Bryan, Texas for more than seventeen years where he was CEO from 1991 to 2003.

Buche received a bachelor’s degree from Pittsburg State University in Pittsburg, Kansas and a master’s degree in health care administration from Central Michigan University.

Roland Hendricks Treasurer

Roland K. Hendricks joined the TDECU Board of Directors in 2007 where he currently serves as treasurer. Hendricks is the chair of the Audit Committee and the Succession Planning and Executive Compensation Committee. He also serves on the Governance and Nominating Committee, Finance Committee and the Scholarship Committee. He was previously second vice president and served on the Advocacy Committee.

Hendricks currently works as CEO/Senior Consultant at RKH Consulting and as senior pastor of the Greater Mount Zion Church. He previously worked for The Dow Chemical Company where he retired as Texas Manufacturing Controller.

He serves on a variety of other volunteer boards including Brazosport College, Communities in Schools, Salvation Army of Brazoria County and GMZ Education and Development Center. Hendricks is a lifetime member of the Sam Houston State University (SHSU) Alumni Association, National Association of Black Accountants, Alpha Kappa Psi – Professional Business Fraternity and Beta Alpha Psi – Accounting Honor Fraternity. He is also a member of the SHSU President Circle and the SHSU College of Business Advisory Board.

He received a bachelor’s degree in accounting from Sam Houston State University and an associate’s degree in business from Wharton County Junior College.


George Hornback, Jr. Secretary

A TDECU member since 1977 and Board of Directors member since 2000, George Hornback is secretary of the board and serves on the Governance and Audit Committees. He was formerly assistant secretary.

George worked for the Dow Chemical Company in Freeport, Texas as a machinist for 28 years and retired in 2004. He is currently employed as a field supervisor for McGill Maintenance in Freeport where he has worked for 10 years. He is a former member of the International Association of Machinists.

His other volunteer activities include serving as the financial clerk in the Church of Jesus Christ.

Frank Coe Director

Frank joined the TDECU Board of Directors in 2015, after two years of working on TDECU’s advisory board. He serves on the Audit/Enterprise Risk Management, Finance and Scholarship Committees. Coe formerly served as Chairman of the Business Innovation/Technology Committee and currently is the chair of the Strategic Initiatives Committee. He also serves on the TDECU Insurance Agency Board of Directors. Frank joined the Bluebonnet Credit Union in 1973, prior to its 2011 merger with TDECU.

Coe is a regular participant in credit union conferences and training and has attended events hosted by the National Automated Clearinghouse Association, Association of Credit Union Internal Auditors and the Credit Union Executives Society.

Coe has served as the Communications Chairman for the Chevron Retirees Association and on the Metropolitan Houston Chapter of the Chevron Retirees Association Board where he has held positions as President, Vice President and Director-At-Large. He also serves as webmaster for the Sweetwater Country Club Senior Men’s Golf Association.

Coe worked for Chevron Corporation from 1969 to 2000. He received a bachelor’s degree in chemical engineering from Purdue University and a master’s degree in industrial engineering from the University of Houston.


Peggy Miltenberger Director

Peggy joined the TDECU Board of Directors in 1994. She worked early in her career as a TDECU loan officer before joining BASF. She retired from BASF in 2001. Having previously served as the First Vice Chairwoman of the TDECU Board of Directors, Peggy now serves on the Finance, Governance and Scholarship Committees and has also worked on the Board Development, Audit and Nominating Committees. She is passionate about the credit union movement and has been a successful advocate for changes to Field of Membership regulation.

A decades-long community advocate, Peggy served as Community Chairwoman for the Brazoria County American Cancer Society and has volunteered for numerous organizations including Brazoria County Beach Cleanup, Brazosport Quarterback Club, Keep Brazoria County Clean Association and the STARR program as a tutor.

Peggy attended Brazosport College and also completed the Southwest CUNA Management School, recognized as the most comprehensive accreditation program for credit union professionals and sponsored by the Credit Union National Association.

Anita Seghal Director

Anita Sehgal joined the TDECU organization as an Advisory Board Member in 2015 and serves on the TDECU Holdings Board, Chair of the Governance and Nominating Committee and as a member of the Strategic Initiatives Committee. Anita is Senior Vice President of Marketing and Communications for the Houston Astros, and previously held the position of Senior Vice President of Marketing and Advertising for Academy Sports + Outdoors.

Hailing from Canada’s Regina, Saskatchewan, Anita received a bachelor’s of business administration degree, with a focus in marketing and human resources, from the University of Regina.

Houston is now home for Anita and she works hard to make a lasting impact on the local community through volunteer and leadership efforts. Anita plays an active role in several Houston-based organizations, including her position as an Executive Committee Board Member of the Boys and Girls Club of Greater Houston, and in the community efforts of The Astros Foundation. She is also a member of the Sports, Sponsorship and Sales Advisory Board for Baylor University and a Brand 50 member of World 50. In addition to being an avid sports fan, Anita loves to travel and embraces the local culture, climate and cuisine wherever the road takes her.


David Sikora Director

David joined TDECU’s Advisory Board in 2015 and serves on both the Strategic Initiatives and the Audit/ERM Committees. In addition to his role with TDECU, David holds seats on several boards including Stratfor, TradeLive, Amberleaf and Loop & Tie. He is an active investor and advisor to technology companies, and serves as Executive Partner for Teakwood Capital. Prior to Teakwood, David founded and acted as CEO of Digby, where he built the first mobile application storefronts for 50 major brands including Brooks Brothers, Abercrombie & Fitch, UnderArmour, Bed Bath & Beyond, 1-800Flowers and Home Depot, among others. He has successfully originated and executed business acquisitions across the globe including the U.S., Canada, Europe and Asia.

After receiving a Bachelor of Science in Technology from the University of Houston, David earned his MBA from Harvard Business School. In addition, he was honored with Ernst & Young’s Entrepreneur of the Year for technology, and served as a member of Texas Governor Rick Perry’s Technology Advisory Council. David’s charitable endeavors include founding and managing the Girl Scouts Lone Star Council Pervasive PowerCharge and serving as Chairman for the Leukemia and Lymphoma Society’s Light the Night Walk.

Edward Speed Director

A TDECU member since 2003, Edward served as president and CEO of TDECU from 2003 to 2012. He joined the Board of Directors in 2011 and serves on the Finance and TDECU Holdings Committees and the Strategic Initiative Committee; he previously served on the Audit and Risk Management Committees.

Speed serves as chair of the Board of Trustees for St. Mary’s University and as a board member for Catholic Health Initiatives and the Catholic Community Foundation of San Antonio. He is a member of Legatus, a national organization of Catholic business professionals.

Prior to TDECU, Speed worked for San Antonio Credit Union from 1985 to 2003 where he was a senior vice president. He served as a Captain in the U.S. Army’s 1st Cavalry and 3rd Armored Divisions. Speed received his bachelor’s degree in finance and a master’s and post-master’s degree in theology - all from St. Mary’s University in San Antonio, Texas.

Ed Zingleman Director

Ed joined the TDECU Board of Directors in 2002. Ed serves on the Audit Committee, the Strategic Initiative Committee and the Scholarship and Holdings Committees. Previously, he was Treasurer, Assistant Treasurer, served as the Chairman of the Talent and Benefits Committee and as a member of the Bylaws Committee. Prior to joining the Board of Directors, Zingleman also served on the Credit Committee. He has been a Member of TDECU since 1964.

Ed also serves as a Trustee for the Political Action Committee and as a member of the Bankruptcy Committee of the Texas Credit Union League. Ed’s other volunteer activities include the Lake Jackson Jaycees, Junior Achievement of Brazoria County, the Land Acquisition Committee of the Brazosport Christian School and the Financial Advisory Board of Brazosport Independent School District. Previously, Zingleman served as the Chairman of the Lake Jackson 25th Anniversary Committee.

Zingleman is a real estate business owner and an active consultant. He retired from Dow Chemical Company in 1994 where he worked in construction management. He received a bachelor’s degree of science in mechanical engineering from Lamar University in Beaumont, Texas.

Annual Reports

You can always find the TDECU Annual Reports here, for the last several years. To review our financial performance, which we invite all members to do, please visit the National Credit Union Administration (NCUA), the government agency that federally insures and regulates credit unions.

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