AUSTIN CITY EMPLOYEES 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

1953

Legal Domicile

Principal Officer

MARILYN HANSEN

Phone

5074336580

Tax Period

2025-01-01 to 2025-12-31

AUSTIN CITY EMPLOYEES CREDIT UNION, founded in 1953, is a small nonprofit that reported $648K in total revenue in fiscal year 2025. The organization ran a surplus of $206K, a strong 32% operating margin.

Mission

ACECU PROVIDES FINANCIAL SERVICES TO OUR MEMBERS THROUGH SAVINGS PRODUCTS, BY PROVIDING LOANS, AND WITH OTHER FINANCIAL SERVICES.

Program Service Accomplishments

Program 1

THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 68 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 774 MEMBERS.

Program 2

THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 103 NEW LOANS TO OUR MEMBERS DURING 2025. AS OF 12/31/2025 WE HAD 555 LOANS TO OUR MEMBERS.

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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 $491,444

Investment Income $155,674

Other Revenue $584

TOTAL REVENUE $647,702

Expense Breakdown

Grants Paid $0

Salaries & Benefits $171,137

Fundraising Expenses $0

Other Expenses $271,032

TOTAL EXPENSES $442,169

Year-over-Year Comparison

	2025	2024	Change
Revenue	$647,702	$631,599	+0.0%
Expenses	$442,169	$445,394	0.0%
Net Income	$205,533	$186,205	+0.1%

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

$91,362

Total Directors

$17,085

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARILYN HANSEN	PRESIDENT	40.00	Officer	$67,858	$6,599	$74,457
ANN CHRISTIANSON	TREASURER	8.00	Officer Director	$16,005	$0	$16,005
KELLY LADY	SECRETARY	0.50	Officer Director	$440	$0	$440
MELISSA SWENSON	CHAIR	0.50	Officer Director	$240	$0	$240
JEAN CLARK	VICE CHAIR	0.50	Officer Director	$220	$0	$220
TRICIA WEICHMAN	DIRECTOR	0.50	Director	$180	$0	$180

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	$647,702	$442,169	$11,437,690	$205,533
2024	$631,599	$445,394	$11,445,531	$186,205
2023	$538,697	$380,209	$11,081,724	$158,488
2022	$393,572	$339,349	$11,423,117	$54,223
2021	$435,164	$372,927	$11,500,873	$62,237
2020	$387,883	$346,889	$10,725,805	$40,994
2019	$414,657	$351,319	$9,148,106	$63,338
2018	$398,050	$305,311	$9,745,907	$92,739