BRAZOS COMMUNITY CREDIT UNION

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1970

Legal Domicile

Principal Officer

WESLEY SHAW

Phone

2815813295

Tax Period

2024-01-01 to 2024-12-31

BRAZOS COMMUNITY CREDIT UNION, founded in 1970, is a community nonprofit that reported $2.0M in total revenue in fiscal year 2024. Expenses of $2.4M exceeded revenue, resulting in a 23% operating deficit.

Mission

BRAZOS COMMUNITY CREDIT UNION IS DEDICATED TO PROVIDING SOUND FINANCIAL SERVICES TO ITS MEMBERS IN APERSONAL AND PROFESSIONAL MANNER

Program Service Accomplishments

Program 1

BRAZOS COMMUNITY CREDIT UNION OFFERS ALL TYPES OF LOAN PRODUCTS AT COMPETITIVE RATES

Program 2

BRAZOS COMMUNITY CREDIT UNION OFFERS ALL TYPES OF SAVINGS PRODUCTS AT COMPETITIVE RATES

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,695,973

Investment Income $266,364

Other Revenue $0

TOTAL REVENUE $1,962,337

Expense Breakdown

Grants Paid $0

Salaries & Benefits $618,908

Fundraising Expenses $0

Other Expenses $1,794,740

TOTAL EXPENSES $2,413,648

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,962,337	$1,916,929	+0.0%
Expenses	$2,413,648	$1,859,240	+0.3%
Net Income	$-451,311	$57,689	-8.8%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

$257,220

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID MONTEMAYOR JR	BOARD CHAIR	0.50	Officer Director	$0	$0	$0
EDWARD JEFFERSON	VICE CHAIR	0.50	Officer Director	$0	$0	$0
NETTA SHINGLER	SECRETARY	0.50	Officer Director	$0	$0	$0
ROBERT GRAYS	TREASURER	0.50	Officer Director	$0	$0	$0
CHRIS GREEN	BOARD MEMBER	0.50	Director	$0	$0	$0
WESLEY SHAW	CEO	40.00	Key Emp	$157,114	$0	$157,114
BEVERLY MARTIN	ACCOUNTING MANAGER	40.00	Key Emp	$100,106	$0	$100,106

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	No data	No data	No data	No data
2024	$1,962,337	$2,413,648	$25,284,725	$-451,311
2023	$1,916,929	$1,859,240	$25,988,996	$57,689
2022	$1,834,355	$1,826,292	$25,320,752	$8,063
2021	$1,802,333	$1,220,086	$26,309,953	$582,247
2020	$1,627,446	$1,436,614	$24,930,877	$190,832
2019	$1,406,826	$1,154,144	$20,436,803	$252,682
2018	$1,174,299	$984,721	$18,671,591	$189,578