TEXAS GULF CAROLINA EMPLOYEES CREDIT UNION (EIN 566090279) - Form 990 Financial Analysis & Trantor Score

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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

1968

Legal Domicile

Principal Officer

Eli Roberson

Phone

5223228026

Tax Period

2025-01-01 to 2025-12-31

TEXAS GULF CAROLINA EMPLOYEES CREDIT UNION, founded in 1968, is a small nonprofit that reported $154K in total revenue in fiscal year 2025. Revenue decreased 12% compared to the prior year. Expenses of $337K exceeded revenue, resulting in a 119% operating deficit.

Mission

TO PROVIDE SERVICES TO MEMBERS AND PAY DIVIDENDS AT REASONABLE 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $134,474

Investment Income $19,531

Other Revenue $0

TOTAL REVENUE $154,005

Expense Breakdown

Grants Paid $0

Salaries & Benefits $127,169

Fundraising Expenses $0

Program Expenses $337,349

Other Expenses $210,180

TOTAL EXPENSES $337,349

Year-over-Year Comparison

	2025	2024	Change
Revenue	$154,005	$175,365	-0.1%
Expenses	$337,349	$331,161	+0.0%
Net Income	$-183,344	$-155,796	+0.2%

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

$89,080

Total Directors

$89,080

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSHUA HOPKINS	BOARD MEMBER	1.00	Director	$0	$0	$0
ALTON SMITH	BOARD CHAIRPERSON	1.00	Director	$0	$0	$0
JOHNATHAN NEWMAN	BOARD VICE CHAIRPERSON	1.00	Director	$0	$0	$0
QUESHA TATUM	MANAGER	20.00	Officer Director	$89,080	$0	$89,080
CLAY ERNST	BOARD MEMBER	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	$154,005	$337,349	$1,245,723	$-183,344
2024	$175,365	$331,161	$1,528,348	$-155,796
2023	$177,857	$262,022	$1,857,647	$-84,165
2022	$161,569	$243,984	$2,115,152	$-82,415
2021	$153,928	$157,253	$2,328,641	$-3,325
2020	$160,863	$163,397	$2,343,788	$-2,534
2019	$179,489	$151,516	$2,369,871	$27,973

TEXAS GULF CAROLINA EMPLOYEES CREDIT UNION