TEX MEX 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

1953

Legal Domicile

Principal Officer

CESAR OLDHAM

Phone

9567221032

Tax Period

2025-01-01 to 2025-12-31

TEX MEX CREDIT UNION, founded in 1953, is a small nonprofit that reported $643K in total revenue in fiscal year 2025. Revenue decreased 14% compared to the prior year. Expenses of $1.2M exceeded revenue, resulting in a 86% operating deficit.

Mission

TO PROVIDE FINANCIAL SERVICES TO ITS MEMBERS AT COMPETITIVE PRICES

Program Service Accomplishments

Program 1

TEX MEX OFFERS ALL TYPES OF LOAN PRODUCTS AT COMPETITIVE RATES

Program 2

TEX MEX OFFERS DEPOSIT PRODUCTS AT COMPETITIVE RATES

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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 $585,006

Investment Income $38,317

Other Revenue $19,900

TOTAL REVENUE $643,223

Expense Breakdown

Grants Paid $0

Salaries & Benefits $227,658

Fundraising Expenses $0

Other Expenses $967,666

TOTAL EXPENSES $1,195,324

Year-over-Year Comparison

	2025	2024	Change
Revenue	$643,223	$751,694	-0.1%
Expenses	$1,195,324	$856,736	+0.4%
Net Income	$-552,101	$-105,042	+4.3%

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

$65,000

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CESAR CABELLO	BOARD CHAIR	0.50	Officer Director	$0	$0	$0
JOSEPH JACKSON	VICE CHAIR	0.50	Officer Director	$0	$0	$0
MANUEL URIBE	TREASURER	0.50	Officer Director	$0	$0	$0
JOSE SOSA	BOARD MEMBER	0.50	Director	$0	$0	$0
MANUEL SANCHEZ	BOARD MEMBER	0.50	Director	$0	$0	$0
OSCAR MONTEMAYOR	BOARD MEMBER	0.50	Director	$0	$0	$0
JOHN REPETTO	BOARD MEMBER	0.50	Director	$0	$0	$0
CESAR OLDHAM	PRESIDENT/CEO	40.00	Key Emp Highest	$65,000	$0	$65,000

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	$643,223	$1,195,324	$8,231,198	$-552,101
2024	No data	No data	No data	No data
2023	$782,599	$797,003	$10,443,454	$-14,404
2022	$705,008	$649,031	$12,340,655	$55,977
2021	$735,251	$713,372	$12,775,138	$21,879
2020	$802,343	$773,029	$12,511,702	$29,314
2019	$843,834	$839,980	$11,129,916	$3,854
2018	$709,733	$616,396	$9,934,292	$93,337