SCOTT AND WHITE EMPLOYEES CREDIT UNION

EIN: 746056100

Temple, TX

Total Revenue
$4,162,380
Total Expenses
$2,386,861
Total Assets
$71,006,448
Net Assets
$70,145,308
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1962
Legal Domicile
TX
Principal Officer
CELESTE KAYLOR
Phone
2547783199
Tax Period
2025-01-01 to 2025-12-31

SCOTT AND WHITE EMPLOYEES CREDIT UNION, founded in 1962, is a community nonprofit that reported $4.2M in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.8M, a strong 43% operating margin.

Mission

Voluntary cooperative, non-profit savings institution incorporated under the provision of the Texas Credit Union Act, for the purpose of encouraging thrift among their members, providing credit at fair & reasonable rate of interest & providing an opportunity to improve their economic position.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $3,312,454
Investment Income $849,926
Other Revenue $0
TOTAL REVENUE $4,162,380

Expense Breakdown

Grants Paid $0
Salaries & Benefits $861,055
Fundraising Expenses $0
Program Expenses $498,900
Other Expenses $1,104,766
TOTAL EXPENSES $2,386,861

Year-over-Year Comparison

2025 2024 Change
Revenue $4,162,380 $3,805,543 +0.1%
Expenses $2,386,861 $2,118,892 +0.1%
Net Income $1,775,519 $1,686,651 +0.1%
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

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Liquidity & Cash Position

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Governance

Voting Members
7
Independent Members
7
Employees
16
Volunteers
7

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
1
$185,066
Total Directors
7
$0
Key Employees
1
$185,066
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Celeste Kaylor President/CEO 40
Officer Key Emp Highest
$185,066 $0 $185,066
Roy Wohleb Chairman of the Board of Directors 5
Director
$0 $0 $0
Lynda Allmer Vice Chairman of the Board of Directors 1
Director
$0 $0 $0
Ray Baker Treasurer of the Board of Directors 1
Director
$0 $0 $0
Lyn Dukatnik Secretary of the Board of Directors 1
Director
$0 $0 $0
Linda Brook Member of the Board of Directors 1
Director
$0 $0 $0
Ted Maxfield Member of the Board of Directors 1
Director
$0 $0 $0
Jean Thorp Member of the Board of Directors 1
Director
$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 $4,162,380 $2,386,861 $71,006,448 $1,775,519
2024 $3,805,543 $2,118,892 $70,398,116 $1,686,651
2023 $3,399,230 $1,745,126 $67,581,491 $1,654,104
2022 $3,164,800 $1,692,027 $70,052,932 $1,472,773
2021 $1,950,967 $1,361,451 $68,385,456 $589,516
2021 $1,950,967 $1,343,544 $68,385,456 $607,423
2020 $2,094,309 $1,296,779 $61,431,788 $797,530
2020 $2,094,309 $1,306,427 $61,431,788 $787,882
2018 $2,000,626 $1,334,127 $47,826,067 $666,499
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