SPACE 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

1965

Legal Domicile

Principal Officer

CRAIG ROHDEN

Phone

7132221244

Tax Period

2025-01-01 to 2025-05-31

SPACE CITY CREDIT UNION, founded in 1965, is a community nonprofit that reported $3.9M in total revenue in fiscal year 2025. Revenue fell 59% from the prior year — a significant decline worth monitoring. Expenses of $14.7M exceeded revenue, resulting in a 276% operating deficit.

Mission

SPACE CITY CREDIT UNION IS A COOPERATIVE THRIFT INSTITUTION THAT PROVIDES BANKING AND LOAN SERVICES TO ITS MEMBERS.

Program Service Accomplishments

Program 1

SPACE CITY CREDIT UNION (THE CREDIT UNION) OFFERS SHARE ACCOUNTS THAT PAY QUARTERLY DIVIDENDS TO MEMBERS. ACCESS IS OFFERED THROUGH BRANCH LOCATIONS, INTERNET, ATM'S AND TELEPHONE. SPECIAL CHRISTMAS SAVINGS ACCOUNTS ARE OFFERED TO ENCOURAGE MEMBERS TO SAVE AND BUDGET FOR CHRISTMAS EXPENSES. AS OF 5/31/2025, THE CREDIT UNION HAS 13,459 SHARE ACCOUNTS WITH A TOTAL OF $54,516,375 . THE CREDIT UNION ALSO HAS SHARE CERTIFICATES OF $17,373,252, AND IRA'S OF $3,908,595.

Program 2

SPACE CITY CREDIT UNION (THE CREDIT UNION) OFFERS CHECKING ACCOUNTS THAT GENERALLY PAY MONTHLY DIVIDENDS TO MEMBERS. ACCESS IS OFFERED THROUGH BRANCH LOCATIONS, INTERNET, ATM'S AND TELEPHONE. FREE...

SPACE CITY CREDIT UNION (THE CREDIT UNION) OFFERS CHECKING ACCOUNTS THAT GENERALLY PAY MONTHLY DIVIDENDS TO MEMBERS. ACCESS IS OFFERED THROUGH BRANCH LOCATIONS, INTERNET, ATM'S AND TELEPHONE. FREE DEBIT CARDS AND ONLINE BANKING FEATURES ARE PROVIDED. AS OF 5/31/2025, THE CREDIT UNION HAS 7,543 CHECKING ACCOUNTS WITH A TOTAL OF $40,699,764.

Program 3

SPACE CITY CREDIT UNION (THE CREDIT UNION) OFFERS CONSUMER LOANS TO MEMBERS FOR AUTOS, RECREATIONAL VEHICLES, MOTORCYCLES, AND REAL ESTATE. CONSUMER LIFE AND DISABILITY INSURANCE IS AVAILABLE ON MANY OF THESE LOAN TYPES. AS OF 5/31/2025, THE CREDIT UNION HAS APPROXIMATELY 5,006 CONSUMER LOANS TOTALING $91,639,230 OUTSTANDING.

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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 $3,867,267

Investment Income $43,958

Other Revenue $0

TOTAL REVENUE $3,911,225

Expense Breakdown

Grants Paid $7,500

Salaries & Benefits $7,366,624

Fundraising Expenses $0

Other Expenses $7,326,367

TOTAL EXPENSES $14,700,491

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,911,225	$9,628,837	-0.6%
Expenses	$14,700,491	$9,659,234	+0.5%
Net Income	$-10,789,266	$-30,397	+353.9%

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

$5,698,201

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID BACICA	DIRECTOR	1.00	Director	$0	$0	$0
DARLA BAINES	DIRECTOR	1.00	Director	$0	$0	$0
MATT HAYSLIP	DIRECTOR	1.00	Director	$0	$0	$0
MARK HEITKER	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN HINES	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JUDITH LANGFORD	SECRETARY	1.00	Officer Director	$0	$0	$0
BUCK LAY	CHAIR	1.00	Officer Director	$0	$0	$0
SAMMYE MOORE	DIRECTOR	1.00	Director	$0	$0	$0
JOHN PATTON	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT SANDER	TREASURER	1.00	Officer Director	$0	$0	$0
CRAIG ROHDEN	PRESIDENT/CHIEF EXECUTIVE OFFICER	40.00	Officer	$3,631,730	$20,549	$3,652,279
VON'NESHIA MOORE	EVP/CHIEF OPERATIONS OFFICER	40.00	Officer	$2,008,522	$37,400	$2,045,922
PAULA NEWKIRK	VP OF LENDING	40.00	Highest	$542,034	$2,944	$544,978

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	$3,911,225	$14,700,491	No data	$-10,789,266
2024	No data	No data	No data	No data
2023	$9,453,039	$10,064,710	$142,214,643	$-611,671
2022	$8,290,817	$6,750,968	$148,133,001	$1,539,849
2021	$5,833,469	$5,053,748	$107,721,014	$779,721
2020	$5,742,534	$5,413,673	$106,400,258	$328,861
2019	$5,630,393	$5,795,450	$89,100,957	$-165,057
2018	$5,487,301	$5,331,296	$83,288,616	$156,005