SHARED RESOURCES CREDIT UNION

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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 SERVICE IN A CONSCIENTIOUS MANNER THAT WILL DEVELOP NEW BUSINESS AND ENHANCE EXISTING RELATIONSHIPS.

Program Service Accomplishments

Program 1

SHARE ACCOUNTS - SHARED RESOURCES CREDIT UNION (THE CREDIT UNION) SHARE ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. THE CREDIT UNION HAD MORE THAN 2,807 MEMBER-OWNED ACCOUNTS ON DECEMBER 31...

SHARE ACCOUNTS - SHARED RESOURCES CREDIT UNION (THE CREDIT UNION) SHARE ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. THE CREDIT UNION HAD MORE THAN 2,807 MEMBER-OWNED ACCOUNTS ON DECEMBER 31, 2025. MEMBER SAVINGS ACCOUNTS PAY DIVIDENDS QUARTERLY AND OFFER ACCESS THROUGH THE BRANCH NETWORK, HOME BANKING VIA THE INTERNET, OR TELEPHONE AND ATMS. SPECIAL SAVINGS ACCOUNTS DEVELOPED FOR CHILDREN ENCOURAGE THE DEVELOPMENT OF CONSISTENT SAVINGS HABITS. TOTAL SAVINGS ACCOUNT DIVIDENDS PAID BY THE CREDIT UNION TO MEMBERS IS $144,544.

Program 2

CHECKING ACCOUNTS - SHARED RESOURCES CREDIT UNION (THE CREDIT UNION) PROVIDES CHECKING ACCOUNTS FOR CONSUMERS WITH VARIOUS FEATURES, WHICH INCLUDE RECEIVING DIVIDENDS ON A MONTHLY BASIS...

CHECKING ACCOUNTS - SHARED RESOURCES CREDIT UNION (THE CREDIT UNION) PROVIDES CHECKING ACCOUNTS FOR CONSUMERS WITH VARIOUS FEATURES, WHICH INCLUDE RECEIVING DIVIDENDS ON A MONTHLY BASIS. ADDITIONALLY, THE CREDIT UNION EXTENDS THE REACH OF THESE ACCOUNTS TO ALL MEMBERS WITH FREE DEBIT CARDS, INTERNET ACCOUNT ACCESS AND FREE USE OF THE INTERNET BILL PAY PROGRAM. TOTAL CHECKING ACCOUNT DIVIDENDS PAID BY THE CREDIT UNION TO MEMBERS IS $35,159.

Program 3

CONSUMER LOANS - SHARED RESOURCES CREDIT UNION (THE CREDIT UNION) HAS PROVIDED PERSONAL LOANS SINCE ITS EARLY YEARS. THE CONSUMER LOAN PRODUCT LINE NOW INCLUDES EFFICIENT UNDERWRITING AND FLEXIBLE...

CONSUMER LOANS - SHARED RESOURCES CREDIT UNION (THE CREDIT UNION) HAS PROVIDED PERSONAL LOANS SINCE ITS EARLY YEARS. THE CONSUMER LOAN PRODUCT LINE NOW INCLUDES EFFICIENT UNDERWRITING AND FLEXIBLE OFFERINGS FOR VEHICLES, RECREATIONAL VEHICLES, BOATS, MOTORCYCLES AND HOME EQUITY LOANS. CONSUMER LIFE AND DISABILITY INSURANCE IS AVAILABLE ON ANY OF THESE LOAN TYPES. AT 12/31/2025, THE CREDIT UNION HAD LOAN BALANCES OF $18,368,033.

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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