TEXAS BAY CREDIT UNION (EIN 741142852) - 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

1936

Legal Domicile

Principal Officer

SYED DINAR

Phone

7138526702

Tax Period

2023-01-01 to 2023-12-31

TEXAS BAY CREDIT UNION, founded in 1936, is a mid-sized nonprofit that reported $59.3M in total revenue in fiscal year 2023. Revenue surged 30% from the prior year, signaling strong growth momentum. Expenses of $54.3M left a modest 8% surplus.

Mission

CONSUMER FINANCE

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $39,888,673

Other Revenue $19,397,808

TOTAL REVENUE $59,286,481

Expense Breakdown

Grants Paid $0

Salaries & Benefits $14,895,859

Fundraising Expenses $0

Other Expenses $39,375,436

TOTAL EXPENSES $54,271,295

Year-over-Year Comparison

	2023	2022	Change
Revenue	$59,286,481	$45,431,669	+0.3%
Expenses	$54,271,295	$41,150,145	+0.3%
Net Income	$5,015,186	$4,281,524	+0.2%

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

56566

Independent Members

56566

Employees

188

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

$4,223,071

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JESSE GUTIERREZ	PRESIDENT/CE	40.00	Officer	$603,247	$184,684	$787,931
SYED DINAR	EVP CFO	40.00	Officer	$382,339	$111,282	$493,621
BRANDY GUZMAN	VP OF BRANCH	40.00	Officer	$185,139	$67,850	$252,989
BRIAN ELLIS	VP CARD SERV	40.00	Officer	$189,428	$63,147	$252,575
CHELLY DELEON	VP OF HR	40.00	Officer	$188,816	$62,243	$251,059
BRET HODA	VP OF LENDIN	40.00	Officer	$177,264	$65,298	$242,562
JEREMY BRATTON	VP OF COMPLI	40.00	Officer	$168,081	$53,282	$221,363
CHAUNCEY ONYON	VP OF TECHNO	40.00	Officer	$163,022	$52,977	$215,999
OSMAN ULHAQ	VP OF STRAT.	40.00	Officer	$158,021	$49,124	$207,145
CHARLOLTTE YOCOM	VP OF MARKET	40.00	Officer	$138,912	$52,025	$190,937
HARRY SATIA	AVP OF BRANC	40.00	Officer	$120,939	$48,196	$169,135
ARIEL TURCA	AVP OF BRANC	40.00	Officer	$123,155	$41,823	$164,978
DIANA NGUYEN	AVP OF ACCOU	40.00	Officer	$117,262	$46,027	$163,289
CAROLYN RIVERA	AVP OF ASSET	40.00	Officer	$118,065	$38,698	$156,763
PAUL MASLONKA	VP OF INTERN	40.00	Officer	$109,798	$45,912	$155,710
JOSE GUAJARDO	AVP OF BRANC	40.00	Officer	$107,084	$42,051	$149,135
LOGAN CATES	AVP OF MORTG	40.00	Officer	$106,415	$41,465	$147,880

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	No data	No data	No data	No data
2023	$59,286,481	$54,271,295	$706,695,939	$5,015,186
2022	$45,431,669	$41,150,145	$652,953,146	$4,281,524
2021	$36,404,556	$32,941,787	$559,614,598	$3,462,769
2020	$35,520,235	$33,635,016	$537,570,025	$1,885,219
2019	$38,538,409	$36,258,932	$501,470,838	$2,279,477
2018	$34,455,447	$31,789,835	$442,138,776	$2,665,612

TEXAS BAY CREDIT UNION