YOUR BEST 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

1967

Legal Domicile

Principal Officer

ADRIAN MUNIZ III

Phone

6158726380

Tax Period

2025-01-01 to 2025-12-31

YOUR BEST CREDIT UNION, founded in 1967, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2025. Net assets of $2.5M represent 26 months of operating reserves.

Mission

CREDIT UNION SERVICES

Program Service Accomplishments

Program 1

CREDIT UNION LOANS TO 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 $1,009,284

Investment Income $150,584

Other Revenue $615

TOTAL REVENUE $1,160,483

Expense Breakdown

Grants Paid $0

Salaries & Benefits $261,173

Fundraising Expenses $0

Other Expenses $813,072

TOTAL EXPENSES $1,137,842

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,160,483	$1,125,798	+0.0%
Expenses	$1,137,842	$1,087,476	+0.0%
Net Income	$22,641	$38,322	-0.4%

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

$55,174

Total Directors

Key Employees

$102,611

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ADRIAN MUNIZ III	PRESIDENT	40.00	Key Emp	$0	$0	$102,611
JAMES ODELL	CHAIRMAN	1.00	Director	$0	$0	$0
MARK DUGGAN	TREASURER	1.00	Officer	$0	$0	$0
DERRICK COGGIN	VICE CHAIRMAN	1.00	Officer	$0	$0	$0
JAMES DICKSON III	SECRETARY	1.00	Officer	$0	$0	$0
MYETTA MCLEAN	VICE PRESIDENT	40.00	Officer	$0	$0	$55,174
KELL HOLLAND	AUDIT LIAISON	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	$1,160,483	$1,137,842	$15,892,990	$22,641
2024	$1,125,798	$1,087,476	$17,268,901	$38,322
2023	$1,075,284	$1,022,948	$17,316,460	$52,336
2022	$870,827	$854,049	$19,125,343	$16,778
2021	$864,914	$874,822	$23,226,032	$-9,908
2020	$925,911	$973,343	$19,560,560	$-47,432
2019	$1,058,641	$1,030,089	$17,709,445	$28,552