UNITED TEXAS CREDIT UNION (EIN 741241284) - 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

1955

Legal Domicile

Principal Officer

KYLE ASHLEY

Phone

2105614525

Tax Period

2023-01-01 to 2023-12-31

UNITED TEXAS CREDIT UNION, founded in 1955, is a mid-sized nonprofit that reported $21.9M in total revenue in fiscal year 2023. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $19.5M left a modest 11% surplus.

Mission

A MEMBER-OWNED, NOT-FOR-PROFIT FINANCIAL COOPERATIVE WITH THE MISSION OF IMPROVING THE FINANCIAL WELL-BEING OF OUR MEMBERS AND THE COMMUNITIES WE SERVE.

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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 $19,964,847

Investment Income $1,333,163

Other Revenue $591,531

TOTAL REVENUE $21,889,541

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,935,917

Fundraising Expenses $0

Other Expenses $12,590,991

TOTAL EXPENSES $19,526,908

Year-over-Year Comparison

	2023	2022	Change
Revenue	$21,889,541	$18,591,389	+0.2%
Expenses	$19,526,908	$15,501,242	+0.3%
Net Income	$2,362,633	$3,090,147	-0.2%

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

$2,416,753

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BILL GREGORY	CHAIRMAN	0.75	Director	$0	$0	$0
RICK TOBIAS	VICE-CHAIRMAN	0.75	Director	$0	$0	$0
JAMES WHEELER	BOARD TREASURER	0.75	Director	$0	$0	$0
RICHARD BAGGS	BOARD SECRETARY	0.75	Director	$0	$0	$0
JOHN REES	BOARD MEMBER	0.75	Director	$0	$0	$0
DON MANN	BOARD MEMBER	0.75	Director	$0	$0	$0
ROSAURA RAMIREZ	SUPERVISORY CHAIR	1.00	Director	$0	$0	$0
ANTHONY SANCHEZ	BOARD MEMBER	0.75	Director	$0	$0	$0
JODIE SANDERS	BOARD MEMBER	0.75	Director	$0	$0	$0
KYLE ASHLEY	PRESIDENT/CEO	40.00	Officer	$553,287	$31,200	$584,487
TAMMINA JOHNSON	COO	40.00	Officer	$368,251	$22,017	$390,268
ALFRED SAKER	CFO	40.00	Officer	$173,225	$9,723	$182,948
JAMES BAUMANN	CLO	40.00	Officer	$200,230	$17,610	$217,840
MARIO SALDIVAR	CIO	40.00	Officer	$183,563	$8,935	$192,498
DAVID GRAY	MBR BUSINESS LENDING	40.00	Officer	$158,827	$17,306	$176,133
DEBRA BRADBERRY	VP PROJ. SPECIALIST	40.00	Officer	$102,707	$1,200	$103,907
PATRICIA RHODES	VP CONSUMER LENDING	40.00	Officer	$149,759	$30,020	$179,779
ROSANNE HERNANDEZ	VP OPERATIONS	40.00	Officer	$107,490	$27,439	$134,929
JESUS CASTILLO	VP MORTGAGE LENDING	40.00	Officer	$118,245	$0	$118,245
MELISSA PETOSKEY	VP ACCOUNTING	40.00	Officer	$112,945	$22,774	$135,719

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	$21,889,541	$19,526,908	$410,563,723	$2,362,633
2022	$18,591,389	$15,501,242	$404,933,985	$3,090,147
2021	$13,298,717	$12,210,708	$336,009,897	$1,088,009
2021	$14,785,590	$12,793,907	$382,411,783	$1,991,683
2020	$12,909,100	$11,113,858	$291,996,099	$1,795,242
2019	$12,157,503	$11,146,523	$250,795,175	$1,010,980

UNITED TEXAS CREDIT UNION