DEL RIO SP CREDIT UNION (EIN 741238592) - 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

1954

Legal Domicile

Phone

8307759360

Tax Period

2023-01-01 to 2023-12-31

DEL RIO SP CREDIT UNION, founded in 1954, is a small nonprofit that reported $138K in total revenue in fiscal year 2023. Revenue surged 31% from the prior year, signaling strong growth momentum. Expenses of $191K exceeded revenue, resulting in a 39% operating deficit.

Mission

To encourage thrift among our members and to provide credit at a fair and reasonable rate of interest and to provide opportunity to improve their economic condition.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $75,679

Investment Income $62,158

Other Revenue $0

TOTAL REVENUE $137,837

Expense Breakdown

Grants Paid $0

Salaries & Benefits $101,857

Fundraising Expenses $0

Program Expenses $191,191

Other Expenses $89,334

TOTAL EXPENSES $191,191

Year-over-Year Comparison

	2023	2022	Change
Revenue	$137,837	$105,186	+0.3%
Expenses	$191,191	$189,975	+0.0%
Net Income	$-53,354	$-84,789	-0.4%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Robert Guzman Jr	Chairman	1	Director	$0	$0	$0
Ricardo Perez	Vice-Chairman	1	Director	$0	$0	$0
Ruben Martinez	Treasurer	1	Director	$0	$0	$0
Javier Zapata	Secretary	1	Director	$0	$0	$0
James McGonagill	Director	1	Director	$0	$0	$0
Jesus Emiliano Galindo	Director	1	Director	$0	$0	$0
David Tovar Sr	Director	1	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
2024	No data	No data	No data	No data
2023	$137,837	$191,191	$3,478,170	$-53,354
2022	$105,186	$189,975	$4,223,278	$-84,789
2021	$93,795	$151,919	$4,376,709	$-58,124
2020	$126,038	$167,342	$4,374,627	$-41,304

DEL RIO SP CREDIT UNION