TEXAS HEALTH 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

1956

Legal Domicile

Phone

5124544636

Tax Period

2025-01-01 to 2025-12-31

TEXAS HEALTH CREDIT UNION, founded in 1956, is a community nonprofit that reported $7.4M in total revenue in fiscal year 2025. The organization ran a surplus of $1.2M, a strong 16% operating margin.

Mission

COOPERATIVE PROVIDER OF CREDIT UNION FINANCIAL SERVICES

Program Service Accomplishments

Program 1

Expenses: $1,729,231 Revenue: $0

SAVINGS ACCOUNTS: THE CREDIT UNION'S SAVING ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. THE CREDIT UNION HAD ALMOST 4900 MEMBER OWNERS ON DECEMBER 31, 2025. MEMBER SAVINGS ACCOUNTS PAY...

SAVINGS ACCOUNTS: THE CREDIT UNION'S SAVING ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. THE CREDIT UNION HAD ALMOST 4900 MEMBER OWNERS ON DECEMBER 31, 2025. MEMBER SAVINGS ACCOUNTS PAY DIVIDENDS QUARTERLY AND OFFER ACCESS THROUGH HOME BANKING VIA THE INTERNET OR PHONE OR ATMS WORLDWIDE.

Program 2

Expenses: $1,667,473 Revenue: $0

CHECKING ACCOUNTS: THE CREDIT UNION PROVIDES CHECKING ACCOUNTS FOR CONSUMERS AND BUSINESSES WITH VARIOUS FEATURES, FROM FREE ACCOUNTS TO THOSE WITH ENHANCED BENEFITS. MOST OFFER DIVIDENDS THAT ARE...

CHECKING ACCOUNTS: THE CREDIT UNION PROVIDES CHECKING ACCOUNTS FOR CONSUMERS AND BUSINESSES WITH VARIOUS FEATURES, FROM FREE ACCOUNTS TO THOSE WITH ENHANCED BENEFITS. MOST OFFER DIVIDENDS THAT ARE PAID MONTHLY. ADDITIONALLY THE CREDIT UNION EXTENDS THE REACH OF THESE ACCOUNTS TO ALL MEMBERS WITH FREE DEBIT CARDS, INTERNET ACCOUNT ACCESS, AND FREE USE OF THE INTERNET BILL PAYER PLATFORM. 45% OF CREDIT UNION MEMBERS HAVE A CHECKING ACCOUNT.

Program 3

Expenses: $2,779,121 Revenue: $0

CONSUMER LOANS: THE CREDIT UNION HAS PROVIDED VEHICLE LOANS SINCE ITS EARLY YEARS. THE CONSUMER LOAN PRODUCT LINE NOW INCLUDES EFFICIENT UNDERWRITING AND FLEXIBLE OFFERINGS FOR RECREATIONAL VEHICLES...

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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 $4,849,566

Investment Income $2,210,462

Other Revenue $313,959

TOTAL REVENUE $7,373,987

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,967,576

Fundraising Expenses $0

Program Expenses $6,175,825

Other Expenses $4,208,249

TOTAL EXPENSES $6,175,825

Year-over-Year Comparison

	2025	2024	Change
Revenue	$7,373,987	$6,991,692	+0.1%
Expenses	$6,175,825	$5,407,388	+0.1%
Net Income	$1,198,162	$1,584,304	-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

Total Directors

Key Employees

$145,538

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DERRICK BROWN	PRESIDENT/CEO	40	Highest	$182,433	$0	$182,433
STEPHEN SCOTT	EVP/COO	40	Key Emp	$145,538	$0	$145,538
TJ NISSEN	CHAIRMAN	0.50	Director	$0	$0	$0
JEFF TAYLOR	VICE CHAIR	0.50	Director	$0	$0	$0
LISA GENNA	BOARD MEMBER	0.50	Director	$0	$0	$0
PAUL BARKER	BOARD MEMBER	0.50	Director	$0	$0	$0
DALE DINGLEY	BOARD MEMBER	0.50	Director	$0	$0	$0
PATTY MELCHIOR	BOARD MEMBER	0.50	Director	$0	$0	$0
SHARON ZUROVEC	BOARD MEMBER	0.50	Director	$0	$0	$0
MIKE GREENE	BOARD MEMBER (Started 06/2024)	0.50	Director	$0	$0	$0
DOUG KENNEMER	BOARD MEMBER (Passed 10/29/25)	0.50		$0	$0	$0
Kim Kennemer	Board Member (Interim Q4 2025)	0.50		$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
2025	$7,373,987	$6,175,825	$144,365,202	$1,198,162
2024	No data	No data	No data	No data
2023	$6,193,127	$4,652,450	$135,231,028	$1,540,677
2022	$4,765,420	$3,437,164	$146,399,836	$1,328,256
2021	$3,795,305	$2,964,109	$135,969,691	$831,196
2020	$4,198,494	$3,110,865	$112,203,599	$1,087,629
2019	$4,360,237	$3,440,151	$96,220,831	$920,086
2018	$3,925,718	$3,379,353	$87,221,548	$546,365