MATAGORDA COUNTY 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

1961

Legal Domicile

Principal Officer

MINDY NEEL

Phone

9792458674

Tax Period

2025-01-01 to 2025-12-31

MATAGORDA COUNTY CREDIT UNION, founded in 1961, is a community nonprofit that reported $1.8M in total revenue in fiscal year 2025. The organization ran a surplus of $685K, a strong 37% operating margin.

Mission

MATAGORDA COUNTY CREDIT UNION WAS ORGANIZED TO PROVIDE FINANCIAL SERVICES TO ITS MEMBERS AT COMPETITIVE RATES

Program Service Accomplishments

Program 1

MATAGORDA COUNTY CREDIT UNION OFFERS MANY TYPES OF LOAN PRODUCTS AT COMPETITIVE RATES

Program 2

MATAGORDA COUNTY CREDIT UNION OFFERS MANY TYPES OF SAVINGS 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,105,185

Investment Income $728,909

Other Revenue $0

TOTAL REVENUE $1,834,094

Expense Breakdown

Grants Paid $0

Salaries & Benefits $366,840

Fundraising Expenses $0

Other Expenses $782,492

TOTAL EXPENSES $1,149,332

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,834,094	$1,749,962	+0.0%
Expenses	$1,149,332	$1,101,714	+0.0%
Net Income	$684,762	$648,248	+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

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

$72,840

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT REED	BOARD CHAIR	0.50	Officer Director	$0	$0	$0
RICHARD MORALES	VICE CHAIR	0.50	Officer Director	$0	$0	$0
KRISTI CHAMPION	SECRETARY	0.50	Officer Director	$0	$0	$0
MARIA ENOCH	TREASURER	0.50	Officer Director	$0	$0	$0
CAROL BUTLER	MEMBER	0.50	Director	$0	$0	$0
COLE CASHION	MEMBER	0.50	Director	$0	$0	$0
STEPHEN CROW	MEMBER	0.50	Director	$0	$0	$0
MINDY NEEL	PRESIDENT /CEO	40.00	Key Emp Highest	$72,840	$0	$72,840

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	$1,834,094	$1,149,332	$35,724,790	$684,762
2024	$1,749,962	$1,101,714	$34,265,867	$648,248
2023	$1,427,676	$918,177	$34,446,878	$509,499
2022	$1,168,158	$896,585	$35,268,787	$271,573
2021	$993,724	$934,421	$33,797,339	$59,303
2020	$1,130,310	$880,714	$30,948,194	$249,596
2019	$1,188,749	$943,670	$29,477,124	$245,079
2018	$1,165,456	$894,357	$29,632,485	$271,099