UNITED COMMUNITY CREDIT UNION

EIN: 741154065

GALENA PARK, TX

Total Revenue
$9,495,126
Total Expenses
$8,630,347
Total Assets
$122,064,903
Net Assets
$122,194,343
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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
1950
Legal Domicile
TX
Phone
7136745778
Tax Period
2023-01-01 to 2023-12-31

UNITED COMMUNITY CREDIT UNION, founded in 1950, is a community nonprofit that reported $9.5M in total revenue in fiscal year 2023. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $8.6M left a modest 9% 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%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $0
Investment Income $5,856,129
Other Revenue $3,638,997
TOTAL REVENUE $9,495,126

Expense Breakdown

Grants Paid $0
Salaries & Benefits $3,496,418
Fundraising Expenses $0
Program Expenses $0
Other Expenses $5,133,929
TOTAL EXPENSES $8,630,347

Year-over-Year Comparison

2023 2022 Change
Revenue $9,495,126 $8,408,668 +0.1%
Expenses $8,630,347 $7,613,493 +0.1%
Net Income $864,779 $795,175 +0.1%
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
12650
Independent Members
12650
Employees
56
Volunteers
8

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
0
$0
Total Directors
0
$0
Key Employees
1
$622,310
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Executives Executives 40.00
Key Emp
$582,000 $40,310 $622,310
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 $9,495,126 $8,630,347 $122,064,903 $864,779
2022 $8,408,668 $7,613,493 $124,105,796 $795,175
2021 $7,999,794 $7,057,562 $123,458,410 $942,232
2020 $7,600,048 $7,148,364 $113,913,910 $451,684
2019 $7,664,900 $7,140,745 $100,502,819 $524,155
2018 $7,463,290 $7,132,139 $99,130,986 $331,151
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