ALLEGIANCE CREDIT UNION (EIN 730727707) - 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

1963

Legal Domicile

Tax Period

2021-01-01 to 2021-12-31

ALLEGIANCE CREDIT UNION, founded in 1963, is a mid-sized nonprofit in the Public & Societal Benefit sector that reported $16.2M in total revenue in fiscal year 2021. Expenses of $14.0M left a modest 14% surplus.

Mission

26,279 MEMBERS SERVED, OFFERING FINANCIAL SERVICES 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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $10,009,385

Investment Income $568,189

Other Revenue $5,609,789

TOTAL REVENUE $16,187,363

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,987,461

Fundraising Expenses $0

Program Expenses $13,994,491

Other Expenses $7,007,030

TOTAL EXPENSES $13,994,491

Year-over-Year Comparison

	2021	2020	Change
Revenue	$16,187,363	$16,106,701	+0.0%
Expenses	$13,994,491	$15,310,955	-0.1%
Net Income	$2,192,872	$795,746	+1.8%

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

111

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

$1,421,852

Total Directors

Key Employees

$123,152

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMY DOWNS	CEOPRESIDENT	55.00	Officer	$306,002	$25,192	$331,194
SABRINA WANER	SVPCFO	55.00	Officer	$281,593	$15,278	$296,871
BRIAN ENGEL	SENIOR VPCIO	50.00	Officer	$178,914	$17,827	$196,741
JOHN REAVIS	SENIOR VPCOO	50.00	Officer	$175,344	$16,639	$191,983
BRENT REMPE	SVP STRATAGEY GROWTH	50.00	Officer	$160,623	$17,655	$178,278
ANGELA HOLLAND	SVPCHRO	50.00	Officer	$139,208	$16,149	$155,357
CHRISTIAN VAUGHN	DIRECTOR OF MARKETING	40.00	Key Emp	$109,045	$14,107	$123,152
THOMAS GRAHAM	SVPCFO	50.00	Officer	$70,158	$1,270	$71,428
MEL MCVAY	CHAIRMAN	1.00	Director	$0	$0	$0
JERI BROOKS	TREASURER	1.00	Director	$0	$0	$0
VANESSA THURMAN	VICE CHAIR	1.00	Officer Director	$0	$0	$0
ROBERT RUIZ	ASSOCIATE	1.00	Officer Director	$0	$0	$0
JOHN COOPER	ASSISTANT TREASURER	1.00	Officer Director	$0	$0	$0
CARRIE EVANS	SECRETARY	1.00	Officer Director	$0	$0	$0
LANCE HAFFNER	ASSISTANT SECRETARY	1.00	Officer Director	$0	$0	$0
JAMES HARGROVE	DIRECTOR	1.00	Officer 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
2021	$16,187,363	$13,994,491	$376,025,043	$2,192,872
2020	$16,106,701	$15,310,955	$332,111,889	$795,746
2019	$15,057,638	$13,989,514	$283,871,526	$1,068,124
2018	$14,803,330	$13,085,119	$264,995,077	$1,718,211

ALLEGIANCE CREDIT UNION