EE SOUTH TEXAS CREDIT UNION (EIN 741190066) - 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

1952

Legal Domicile

Principal Officer

DEBBIE LINTON

Phone

3618884610

Tax Period

2018-01-01 to 2018-12-31

EE SOUTH TEXAS CREDIT UNION, founded in 1952, is a micro nonprofit that reported $71K in total revenue in fiscal year 2018. Revenue decreased 15% compared to the prior year. Expenses of $105K exceeded revenue, resulting in a 48% operating deficit.

Mission

EE SOUTH TEXAS CREDIT UNION IS A NON-PROFIT SAVINGS INSTITUTION, INCORPORATED UNDER THE PROVISIONS OF THE TEXAS CREDIT UNION ACT, FOR THE PURPOSE OF ENCOURAGING THRIFT AMONG THEIR MEMBERS, AND FOR PROVIDING CREDIT AT A FAIR AND REASONABLE RATE.

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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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $18,749

Investment Income $52,308

Other Revenue $0

TOTAL REVENUE $71,057

Expense Breakdown

Grants Paid $0

Salaries & Benefits $76,838

Fundraising Expenses $0

Other Expenses $22,809

TOTAL EXPENSES $105,412

Year-over-Year Comparison

	2018	2017	Change
Revenue	$71,057	$83,161	-0.1%
Expenses	$105,412	$102,508	+0.0%
Net Income	$-34,355	$-19,347	+0.8%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHARLES ROE	CHAIRMAN OF	1.00	Officer Director	$0	$0	$0
BILL REAVES	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
ANN THOMPSON	SECRETARY	1.00	Officer Director	$0	$0	$0
JOYCE MOORE	TREASURER	1.00	Officer Director	$0	$0	$0
GRADY JACKSON	DIRECTOR	1.00	Director	$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
2018	$71,057	$105,412	No data	$-34,355

EE SOUTH TEXAS CREDIT UNION