LCRA CREDIT UNION (EIN 741142771) - 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

1945

Legal Domicile

Principal Officer

Melissa Reyes

Phone

7372120030

Tax Period

2025-01-01 to 2025-12-31

LCRA CREDIT UNION, founded in 1945, is a small nonprofit that reported $940K in total revenue in fiscal year 2025. Revenue decreased 9% compared to the prior year. Net assets of $20.8M represent 265 months of operating reserves.

Mission

The mission of LCRA Credit Union is to provide excellent financial services to our 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 $559,917

Investment Income $372,010

Other Revenue $8,064

TOTAL REVENUE $939,991

Expense Breakdown

Grants Paid $0

Salaries & Benefits $402,787

Fundraising Expenses $0

Program Expenses $0

Other Expenses $565,178

TOTAL EXPENSES $967,965

Year-over-Year Comparison

	2025	2024	Change
Revenue	$939,991	$1,032,917	-0.1%
Expenses	$967,965	$935,380	+0.0%
Net Income	$-27,974	$97,537	-1.3%

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

N/A

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

$33,486

Total Directors

Key Employees

$119,025

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Melissa Reyes	President	40	Key Emp	$119,025	$0	$119,025
Tim Lane	Executive Vice President	5	Officer	$33,486	$0	$33,486
Dowell Garrison	Secretary	1	Director	$0	$0	$0
Fred Lamoreaux	Director	1	Director	$0	$0	$0
Vic Ramirez	Vice Chairman	1	Director	$0	$0	$0
Miguel Nunez	Director	1	Director	$0	$0	$0
Rita Summy	Treasurer	1		$0	$0	$0
Jonathan Riley	Chairman	1		$0	$0	$0
Ken Taylor	Director	1		$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	$939,991	$967,965	$20,828,478	$-27,974
2024	$1,032,917	$935,380	$21,192,279	$97,537
2023	$980,172	$913,655	$22,358,715	$66,517
2022	$802,546	$776,207	$24,608,833	$26,339
2021	$896,079	$759,631	$25,225,571	$136,448
2020	$895,249	$799,697	$22,894,831	$95,552
2019	$867,964	$829,684	$21,754,061	$38,280
2018	$828,571	$826,039	$21,736,513	$2,532

LCRA CREDIT UNION