TEE-PAK 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

1949

Legal Domicile

Principal Officer

McKENNA HUGHES

Phone

2174774428

Tax Period

2025-01-01 to 2025-12-31

TEE-PAK CREDIT UNION, founded in 1949, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2025. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $1.5M left a modest 7% surplus.

Mission

THE CREDIT UNION IS A MEMBER OWNED, NOT-FOR-PROFIT FINANCIAL INSTITUTION COMMITTED TO PROVIDING QUALITY SERVICES AND PROGRAMS TO MEET THE INDIVIDUAL NEEDS OF MEMBERS WHILE PRESERVING THE FINANCIAL STABILITY AND SECURITY OF THE ORGANIZATION.

Program Service Accomplishments

Program 1

Provided consumer lending and receive deposits from the Credit Union Membership. The Credit Union services in excess of 4,000 member share type accounts and approximately 700 in-house loan type...

Provided consumer lending and receive deposits from the Credit Union Membership. The Credit Union services in excess of 4,000 member share type accounts and approximately 700 in-house loan type accounts, excluding Visa cards.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,142,857

Investment Income $401,985

Other Revenue $13,653

TOTAL REVENUE $1,558,495

Expense Breakdown

Grants Paid $0

Salaries & Benefits $416,191

Fundraising Expenses $0

Other Expenses $1,034,036

TOTAL EXPENSES $1,450,227

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,558,495	$1,438,747	+0.1%
Expenses	$1,450,227	$1,649,775	-0.1%
Net Income	$108,268	$-211,028	-1.5%

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

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

$72,692

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEVIN KENNEDY	DIRECTOR	1.00	Director	$0	$0	$0
TERI ATWOOD	DIRECTOR	1.00	Director	$0	$0	$0
SHELLY TISON	DIRECTOR	1.00	Director	$0	$0	$0
JACKIE MCCARTER	DIRECTOR	1.00	Director	$0	$0	$0
JIM HUGHES	DIRECTOR	1.00	Director	$0	$0	$0
TROY PEARSON	CHAIRMAN	1.00	Director	$0	$0	$0
MARK NIEDENTHAL	VICE CHAIR/TREASURER	1.00	Director	$0	$0	$0
SCOTT MATHIS	SECRETARY	1.00	Director	$0	$0	$0
MCKENNA HUGHES	MANAGER/CEO	40.00	Director	$72,692	$0	$72,692

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	$1,558,495	$1,450,227	$23,299,131	$108,268
2024	No data	No data	No data	No data
2023	$1,416,954	$1,302,928	$24,559,295	$114,026
2022	$1,016,883	$1,091,226	$22,888,887	$-74,343
2021	$1,027,236	$942,592	$22,667,971	$84,644
2020	$953,597	$930,391	$21,742,518	$23,206
2019	$1,042,415	$912,665	$20,696,158	$129,750
2018	$993,667	$834,898	$19,306,613	$158,769