MEMBERS CHOICE CREDIT UNION (EIN 741886524) - 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

1941

Legal Domicile

Principal Officer

KEITH HRYYAK

Phone

2817541146

Tax Period

2023-01-01 to 2023-12-31

MEMBERS CHOICE CREDIT UNION, founded in 1941, is a mid-sized nonprofit that reported $45.4M in total revenue in fiscal year 2023. Revenue surged 23% from the prior year, signaling strong growth momentum. Expenses of $41.9M left a modest 8% surplus.

Mission

MEMBERS CHOICE CREDIT UNION IS A COOPERATIVE OWNED BY THE MEMBERS OF THE CREDIT UNION. IT IS A NON-PROFIT FINANCIAL INSTITUTION ORGANIZED TO PROMOTE THRIFT AND PROVIDE CREDIT TO MEMBERS AT LOWER RATES THAN IS AVAILABLE FROM OTHER SOURCES.

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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 $39,871,769

Investment Income $3,043,295

Other Revenue $2,510,933

TOTAL REVENUE $45,425,997

Expense Breakdown

Grants Paid $0

Salaries & Benefits $9,461,806

Fundraising Expenses $0

Program Expenses $41,885,946

Other Expenses $32,424,140

TOTAL EXPENSES $41,885,946

Year-over-Year Comparison

	2023	2022	Change
Revenue	$45,425,997	$36,872,440	+0.2%
Expenses	$41,885,946	$45,483,083	-0.1%
Net Income	$3,540,051	$-8,610,643	-1.4%

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

180

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHNNY WILLIAMS	CHAIRMAN OF BOARD	1.00	Director	$0	$0	$0
GENE ATTEBERRY	BOARD SECRETARY	1.00	Director	$0	$0	$0
WILLFRED KRENEK	BOARD TREASURER	1.00	Director	$0	$0	$0
EDGAR CONNER JR	VICE CHAIRMAN OF THE BOARD	1.00	Director	$0	$0	$0
RON JULUN	DIRECTOR	1.00	Director	$0	$0	$0
TONYA JORDAN	DIRECTOR	1.00	Director	$0	$0	$0
ROSE JAMES	ADVISORY DIRECTOR	1.00	Director	$0	$0	$0
AVIS BRAGGS	ADVISORY DIRECTOR	1.00	Director	$0	$0	$0
PAUL WITHEY	ADVISORY DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL YATES	ADVISORY DIRECTOR	1.00	Director	$0	$0	$0
WILLIS BRADEN	ADVISORY DIRECTOR	1.00	Director	$0	$0	$0
BILLERI LUKE ANTHONY	CEO	40.00	Highest	$444,904	$18,493	$463,397
OWENS RALPH EDWARD	CIO	40.00	Highest	$246,357	$6,967	$253,324
TUCKER BONITA JEANNE	COO	40.00	Highest	$240,993	$9,581	$250,574
TOOMS ROBIN L	CHIEF MARKETING OFFICER	40.00	Highest	$235,750	$10,053	$245,803
THEILIG RANDY	CEO - FORMER	40.00	Highest	$223,912	$419	$224,331
RIVERA MARINA H	CHIEF RETAIL & LENDING OFFICER	40.00	Highest	$195,649	$4,872	$200,521
HRNYAK KEITH A	CFO	40.00	Highest	$159,231	$4,688	$163,919
WEST ROSEANNA	VP OF MORTGAGE ORIGINATION	40.00	Highest	$154,904	$7,595	$162,499
MENCHACA LIANNA ROSE	VP OF FINANCE	40.00	Highest	$146,627	$3,218	$149,845
PLOCEK ROBERT DALTON	IT DIRECTOR	40.00	Highest	$145,783	$7,239	$153,022
SEGURA JACQUELINE	VP OF CONSUMER LENDING	40.00	Highest	$139,964	$4,109	$144,073
GARRITY TIMOTHY MICHAEL	CLOUD, INFRASTRUCTURE, & SECURITY MANAGER	40.00	Highest	$132,505	$6,575	$139,080
TEJADA MANCIA KATERINE GUADALUPE	DIRECTOR OF HUMAN RESOURCES	40.00	Highest	$117,757	$3,484	$121,241
TURNER NATHAN DELMANE	INFORMATION SECURITY OFFICER	40.00	Highest	$112,658	$4,466	$117,124
GIFFORD KAREN NADINE	LEAD PORGRAMMER	40.00	Highest	$110,531	$5,477	$116,008
SEGURA JESSICA	VP OF RETAIL EXPERIENCE	40.00	Highest	$109,675	$1,067	$110,742
PUENTE GABRIELA LUZ	DIRECTOR OF MARKETING	40.00	Highest	$107,000	$5,200	$112,200
GONZALEZ ERIC	MORTGAGE LOAN OFFICER	40.00	Highest	$106,940	$3,160	$110,100
LANIER GARY WAYNE	CHIEF STRATEGY OFFICER	40.00	Highest	$106,846	$2,885	$109,731

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	$45,425,997	$41,885,946	$752,127,874	$3,540,051
2022	$36,872,440	$45,483,083	$754,025,395	$-8,610,643
2021	$28,765,001	$29,461,596	$715,418,251	$-696,595
2020	$26,893,983	$30,035,782	$667,981,139	$-3,141,799
2020	$26,893,983	$30,035,782	$667,981,139	$-3,141,799
2018	$29,861,142	$26,795,689	$590,075,622	$3,065,453

MEMBERS CHOICE CREDIT UNION