T & FS EMPLOYEES CREDIT UNION

EIN: 740932006

Port Arthur, TX

Total Revenue
N/A
Total Expenses
$87,146
Total Assets
$645,951
Net Assets
N/A
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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
1930
Legal Domicile
TX
Principal Officer
Belinda DeRouen
Phone
4099820891
Tax Period
2021-01-01 to 2021-12-31

Mission

Savings and loans

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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%)

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Financial Overview (2021)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $0
Investment Income $0
Other Revenue $0
TOTAL REVENUE $0

Expense Breakdown

Grants Paid $0
Salaries & Benefits $50,842
Fundraising Expenses $0
Program Expenses $87,147
Other Expenses $36,304
TOTAL EXPENSES $87,146

Year-over-Year Comparison

2021 2020 Change
Revenue N/A $104,574 -1.0%
Expenses $87,146 $178,277 -0.5%
Net Income N/A $-73,703 N/A
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

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Governance

Voting Members
5
Independent Members
5
Employees
1
Volunteers
7

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
8
$45,000
Total Directors
0
$0
Key Employees
1
$45,000
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
BELINDA DEROUEN CEO 40
Officer Key Emp
$45,000 $0 $45,000
BRYAN COLES CHAIRMAN 1
Officer
$0 $0 $0
BRIAN FOREMAN SECRETARY/CREDIT COMMITTEE 1
Officer
$0 $0 $0
SCOTT CLAIBORNE Credit Committee 0.1
Officer
$0 $0 $0
Tesa Lawless Credit Committee/Chairman 0.10
Officer
$0 $0 $0
Kerry Thomas Supervisory Committee 0
Officer
$0 $0 $0
Farron Mayhugh Supervisory Committee 0
Officer
$0 $0 $0
Kelly Plante Supervisory Committee/Chairman 0.2
Officer
$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 No data $87,146 $645,951 No data
2020 $104,574 $178,277 $760,472 $-73,703
2019 $112,561 $142,883 $890,015 $-30,322
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