EDINBURG, TX
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)EDINBURG TEACHERS CREDIT UNION, founded in 1955, is a community nonprofit that reported $3.5M in total revenue in fiscal year 2025. Expenses of $3.1M left a modest 10% surplus.
FINANCIAL INSTITUTION PROVIDES BASIC FINANCIAL SERVICES TO MEMBERS IN THE FORM OF CHECKING, SAVINGS AND CERTIFICATE ACCOUNTS, IRAS, AND LOANS (SIGNATURE AND VEHICLE). THE CREDIT UNION ALSO PROVIDES CONVENIENCE SERVICES SUCH AS ONLINE BANKING, TELEPHONE BANKING, MONEY ORDERS AND TRAVELER'S CHECKS.
ETCU MEMBERS ARE AFFORDED A LOW 25 MINIMUM DEPOSIT FOR MEMBERSHIP. MEMBER SAVINGS ACCOUNTS PAY QUARTERLY DIVIDENDS AT COMPETITIVE RATES WITH NO MONTHLY SERVICE FEES. SPECIAL SAVINGS ACCOUNTS ARE...
ETCU MEMBERS ARE AFFORDED A LOW 25 MINIMUM DEPOSIT FOR MEMBERSHIP. MEMBER SAVINGS ACCOUNTS PAY QUARTERLY DIVIDENDS AT COMPETITIVE RATES WITH NO MONTHLY SERVICE FEES. SPECIAL SAVINGS ACCOUNTS ARE AVAILED AT NO EXTRA COSTS FOR MEMBERS WISHING TO SEPARATE SAVINGS FOR THEIR OWN INDIVIDUALLY EAR-MARKED PURPOSES. ETCU OFFERS LOW TO NO-COST CHECKING ACCOUNTS WITH FREE DEBIT CARD SERVICE. CHECKING ACCOUNTS PAY MONTHLY DIVIDENDS. COMPETITIVE RATE CERTIFICATE ACCOUNTS AND INDIVIDUAL RETIREMENT ACCOUNTS (IRAS) ARE OFFERED. 24-HOURS A DAY 7-DAYS A WEEK ACCESS TO ACCOUNTS IS AVAILABLE VIA AUTOMATED TELLER MACHINES, ONLINE BANKING AND AUTOMATED TELEPHONE LINES.
ETCU OFFERS A VARIETY OF LOW RATE LOANS TO MEMBERS. SOUND UNDERWRITING HAS LEAD TO A SOLID, WELL COLLATERALIZED LOAN PORTFOLIO. VEHICLE, SIGNATURE AND CREDIT CARD LOANS ARE AVAILABLE TO MEMBERS...
ETCU OFFERS A VARIETY OF LOW RATE LOANS TO MEMBERS. SOUND UNDERWRITING HAS LEAD TO A SOLID, WELL COLLATERALIZED LOAN PORTFOLIO. VEHICLE, SIGNATURE AND CREDIT CARD LOANS ARE AVAILABLE TO MEMBERS. CREDIT, LIFE AND DISABILITY INSURANCE IS ALSO AVAILABLE.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $3,501,513 | $3,395,007 | +0.0% |
| Expenses | $3,137,322 | $2,968,203 | +0.1% |
| Net Income | $364,191 | $426,804 | -0.1% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| MARY CARPENTER | CEO | 40.00 |
Officer
|
$194,733 | $0 | $194,733 |
| LAURA VAZQUEZ | CFO | 40.00 |
Officer
|
$103,260 | $0 | $103,260 |
| OFELIA ABREGO | VICE CHAIRPE | 1.00 |
Director
|
$0 | $0 | $0 |
| JULIE GARZA | TREASURER | 1.00 |
Director
|
$0 | $0 | $0 |
| MARIA E OVALLE | SECRETARY | 1.00 |
Director
|
$0 | $0 | $0 |
| FRANCIS ROCHA | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| ROBERT TAMEZ | CHAIRPERSON | 1.00 |
Director
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $3,501,513 | $3,137,322 | $96,837,310 | $364,191 |
| 2024 | $3,395,007 | $2,968,203 | $90,206,871 | $426,804 |
| 2023 | $3,397,260 | $2,948,570 | $92,086,437 | $448,690 |
| 2022 | $3,580,886 | $3,164,922 | $96,360,161 | $415,964 |
| 2021 | $1,675,871 | $4,246,009 | $103,589,464 | $-2,570,138 |
| 2020 | $3,381,659 | $2,688,937 | $106,218,445 | $692,722 |
| 2019 | $3,616,683 | $2,841,599 | $97,357,781 | $775,084 |
| 2018 | $3,359,762 | $2,685,450 | $94,867,540 | $674,312 |
Compare EDINBURG TEACHERS CREDIT UNION with other nonprofits in Texas and across the country.