CREDIT UNION COALITION OF TEXAS

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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

2011

Legal Domicile

Phone

5124354214

Tax Period

2025-01-01 to 2025-12-31

CREDIT UNION COALITION OF TEXAS, founded in 2011, is a small nonprofit in the Community Improvement sector that reported $219K in total revenue in fiscal year 2025. Revenue fell 34% from the prior year — a significant decline worth monitoring. Expenses of $310K exceeded revenue, resulting in a 42% operating deficit.

Mission

ADVOCATE AND EDUCATE ON REGULATORY/LEGISLATIVE MATTERS AFFECTING TEXAS CREDIT UNIONS.

Program Service Accomplishments

Program 1

THE COALITION WAS INSTRUMENTAL IN PROVIDING ADVICE, RECOMMENDATIONS, AND TESTIMONY IN SUPPORT OF LEGISLATION OR REGULATIONS DEEMED BENEFICIAL TO THE DEVELOPMENT OF TEXAS CREDIT UNIONS. FURTHER, THE COALITION WORKED TO MODIFY OR DEFEAT LEGISLATION AND REGULATIONS NOT IN THE BEST INTEREST OF TEXAS CREDIT UNIONS.

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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 $218,850

Program Service Revenue $0

Investment Income $247

Other Revenue $0

TOTAL REVENUE $219,097

Expense Breakdown

Grants Paid $0

Salaries & Benefits $194,025

Fundraising Expenses $0

Other Expenses $105,918

TOTAL EXPENSES $310,441

Year-over-Year Comparison

	2025	2024	Change
Revenue	$219,097	$330,512	-0.3%
Expenses	$310,441	$337,370	-0.1%
Net Income	$-91,344	$-6,858	+12.3%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MELODIE DURST	EXECUTIVE DIRECTOR	40.00		$185,748	$0	$185,748
LONNIE NICHOLSON	Chairman	1.00	Director	$0	$0	$0
MICHAEL VER SCHUUR	ADVISORY	0.00	Director	$0	$0	$0
BYRON NORTON	Secretary	1.00	Director	$0	$0	$0
BILL NIKOLAUK	Director	1.00	Director	$0	$0	$0
DAVE BLEAZARD	Director	1.00	Director	$0	$0	$0
DAVID FRAZIER	Director	1.00	Officer Director	$0	$0	$0
TONY HALE	Director	1.00	Director	$0	$0	$0
ERIC POINTER	Director	1.00	Director	$0	$0	$0

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	$219,097	$310,441	$27,659	$-91,344
2024	$330,512	$337,370	$26,024	$-6,858
2023	$256,485	$320,535	$27,205	$-64,050
2022	$449,242	$403,689	$83,229	$45,553
2021	$346,726	$360,571	$40,227	$-13,845
2020	$383,205	$430,076	$51,682	$-46,871
2019	$320,546	$379,320	$118,905	$-58,774
2018	$406,778	$354,855	$177,314	$51,923