ALAMO CITY 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

1955

Legal Domicile

Principal Officer

MELISSA VALDEZ

Phone

2105212898

Tax Period

2024-01-01 to 2024-12-31

ALAMO CITY CREDIT UNION, founded in 1955, is a small nonprofit that reported $757K in total revenue in fiscal year 2024. Expenses of $1.1M exceeded revenue, resulting in a 41% operating deficit.

Mission

TO PROVIDE FINANCIAL SERVICES TO ITS MEMBERS AT COMPETITIVE PRICES

Program Service Accomplishments

Program 1

ALAMO CITY CREDIT UNION OFFERS ALL TYPES OF LOAN PRODUCTS AT COMPETITIVE RATES

Program 2

ALAMO CITY CREDIT UNION 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $723,564

Investment Income $21,423

Other Revenue $12,113

TOTAL REVENUE $757,100

Expense Breakdown

Grants Paid $0

Salaries & Benefits $248,986

Fundraising Expenses $0

Other Expenses $818,568

TOTAL EXPENSES $1,067,554

Year-over-Year Comparison

	2024	2023	Change
Revenue	$757,100	$783,510	0.0%
Expenses	$1,067,554	$708,787	+0.5%
Net Income	$-310,454	$74,723	-5.2%

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

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

$46,640

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SERGIO LOPEZ	BOARD CHAIR	0.50	Officer Director	$0	$0	$0
GRACE HARB-FUESS	TREASURER	0.50	Officer Director	$0	$0	$0
JEANNIE CARRIZALES	VICE CHAIR	0.50	Officer Director	$0	$0	$0
MICHAEL TAPSCOTT	SECRETARY	0.50	Officer Director	$0	$0	$0
JAMES ADAMS	BOARD MEMBER	0.50	Director	$0	$0	$0
ADRIANA SOTELO	BOARD MEMBER	0.50	Director	$0	$0	$0
JESUS GARZA	BOARD MEMBER	0.50	Director	$0	$0	$0
JESSICA PEREZ	CEO	40.00	Key Emp	$0	$0	$0
MELISSA VALDEZ	FORMER CEO	40.00	Key Emp Highest	$46,640	$0	$46,640

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	No data	No data	No data	No data
2024	$757,100	$1,067,554	$10,786,361	$-310,454
2023	$783,510	$708,787	$11,551,046	$74,723
2022	$667,661	$602,068	$12,010,045	$65,593
2021	$668,959	$555,452	$11,821,606	$113,507
2020	$665,313	$635,974	$11,198,535	$29,339
2019	$634,909	$626,903	$10,036,942	$8,006