SHARED RESOURCES CREDIT UNION (EIN 741162836) - 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

1949

Legal Domicile

Principal Officer

STEPHANIE SALAZAR

Phone

7134739244

Tax Period

2025-01-01 to 2025-12-31

SHARED RESOURCES CREDIT UNION, founded in 1949, is a community nonprofit that reported $2.2M in total revenue in fiscal year 2025. Expenses of $2.1M left a modest 5% surplus.

Mission

SHARED RESOURCES CREDIT UNION IS COMMITTED TO SERVING THE NEEDS OF OUR MEMBERS BY PROVIDING QUALITY SERVICES IN A CONSCIENTIOUS MANNER THAT WILL DEVELOP NEW BUSINESS AND ENHANCE EXISTING RELATIONSHIPS.

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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 $1,937,412

Investment Income $266,210

Other Revenue $0

TOTAL REVENUE $2,203,622

Expense Breakdown

Grants Paid $0

Salaries & Benefits $616,737

Fundraising Expenses $0

Other Expenses $1,483,318

TOTAL EXPENSES $2,100,055

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,203,622	$2,226,717	0.0%
Expenses	$2,100,055	$2,353,016	-0.1%
Net Income	$103,567	$-126,299	-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

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

$139,604

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SCOTT BUCHANAN	DIRECTOR	1.00	Director	$0	$0	$0
CLYDE COXIE JR	FORMER DIRECTOR	1.00	Director	$0	$0	$0
PATRICIA JOHNSON	SECRETARY	1.00	Officer Director	$0	$0	$0
TERRY MULLINS	TREASURER	1.00	Officer Director	$0	$0	$0
WILLIAM PRATT	DIRECTOR	1.00	Director	$0	$0	$0
BENNETT RADIN	CHAIRMAN	1.00	Officer Director	$0	$0	$0
HOWARD ROTHMAN	DIRECTOR	1.00	Director	$0	$0	$0
ERIC THOMPSON	DIRECTOR	1.00	Director	$0	$0	$0
GARY TRUJILLO	FORMER VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
JOHN WHIGHAM	DIRECTOR	1.00	Director	$0	$0	$0
STEPHANIE SALAZAR	PRESIDENT/CEO	40.00	Officer	$98,754	$40,850	$139,604

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	$2,203,622	$2,100,055	$25,004,902	$103,567
2024	$2,226,717	$2,353,016	$25,888,101	$-126,299
2023	$2,158,957	$1,987,877	$27,246,203	$171,080
2022	$2,008,412	$1,912,509	$29,079,029	$95,903
2021	$1,924,641	$1,838,418	$28,907,099	$86,223
2020	$2,098,746	$1,879,971	$30,625,959	$218,775
2019	$2,234,729	$2,271,158	$30,266,412	$-36,429
2018	$2,055,395	$2,062,457	$28,359,422	$-7,062

SHARED RESOURCES CREDIT UNION