EL RENO RIL 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

1934

Legal Domicile

Principal Officer

WARREN PYBAS

Phone

4052621463

Tax Period

2024-01-01 to 2024-12-31

EL RENO RIL CREDIT UNION, founded in 1934, is a community nonprofit in the Public & Societal Benefit sector that reported $2.0M in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $3.3M exceeded revenue, resulting in a 64% operating deficit.

Mission

OUR MISSION IS TO MEET MEMBER'S FINANCIAL NEEDS THROUGH QUALITY SERVICE AT THE BEST VALUE WHILE MAINTAINING FINANCIAL STABILITY.

Program Service Accomplishments

Program 1

CREDIT UNION OFFERING CHECKING ACCOUNTS, SAVINGS ACCOUNTS AND LOAN PRODUCTS FOR 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,225,927

Investment Income $551,469

Other Revenue $249,144

TOTAL REVENUE $2,026,540

Expense Breakdown

Grants Paid $0

Salaries & Benefits $572,252

Fundraising Expenses $0

Other Expenses $2,755,317

TOTAL EXPENSES $3,327,569

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,026,540	$1,815,731	+0.1%
Expenses	$3,327,569	$1,586,576	+1.1%
Net Income	$-1,301,029	$229,155	-6.7%

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

$149,090

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT MCCRAY	BOARD CHAIR	1.00	Director	$0	$0	$0
BILL K NUZUM	BOARD VICE CHAIR	1.00	Director	$0	$0	$0
WESLEY BROWER	BOARD SECRETARY/TREASURER	1.00	Director	$0	$0	$0
JEFFREY JOHNSON	BOARD MEMBER	1.00	Director	$0	$0	$0
PATRICK LITICKER	BOARD MEMBER	1.00	Director	$0	$0	$0
GARLAND DELK	BOARD MEMBER	1.00	Director	$0	$0	$0
JAMES HOWETH	BOARD MEMBER	1.00	Director	$0	$0	$0
GRISELDA SPENCER	PRESIDENT/CEO	40.00	Officer	$54,459	$4,095	$58,554
SHERRY DAVIS	ASSISTANT MANAGER	40.00	Officer	$79,519	$11,017	$90,536

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
2024	$2,026,540	$3,327,569	$36,499,162	$-1,301,029
2023	$1,815,731	$1,586,576	$40,156,859	$229,155
2022	$1,137,857	$1,173,335	$45,921,471	$-35,478
2021	$1,302,472	$1,149,047	$48,341,206	$153,425
2019	$1,651,965	$1,327,974	$48,373,239	$323,991
2018	$1,547,007	$1,239,487	$45,429,415	$307,520