EECU

EIN: 750275915

Fort Worth, TX

Total Revenue
$276,922,397
Total Expenses
$213,724,468
Total Assets
$4,586,598,539
Net Assets
$4,539,476,448
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1934
Legal Domicile
TX
Principal Officer
Lonnie Nicholson
Phone
8178820251
Tax Period
2025-01-01 to 2025-12-31

EECU, founded in 1934, is a major nonprofit that reported $276.9M in total revenue in fiscal year 2025. Revenue grew 13% year-over-year, indicating healthy expansion. The organization ran a surplus of $63.2M, a strong 23% operating margin.

Mission

To deliver banking experiences that enrich the lives and strengthen the financial well-being of our members and to thoughtfully contribute to the success of our industry and the communities we serve.

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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 $204,566,294
Investment Income $28,361,036
Other Revenue $43,995,067
TOTAL REVENUE $276,922,397

Expense Breakdown

Grants Paid $0
Salaries & Benefits $46,420,669
Fundraising Expenses $0
Program Expenses $0
Other Expenses $167,303,799
TOTAL EXPENSES $213,724,468

Year-over-Year Comparison

2025 2024 Change
Revenue $276,922,397 $245,984,426 +0.1%
Expenses $213,724,468 $192,743,334 +0.1%
Net Income $63,197,929 $53,241,092 +0.2%
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

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Governance

Voting Members
9
Independent Members
5
Employees
419
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
9
$7,244,783
Total Directors
10
$158,079
Key Employees
4
$1,452,636
Highest Compensated
5
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Lonnie Nicholson CEO N/A
Officer
$2,494,947 $39,184 $2,534,131
Matt Kaudy EVP / CGO N/A
Officer
$800,534 $60,857 $861,391
Bradley Schone EVP / CFO N/A
Officer
$684,146 $34,536 $718,682
David Shurtz CRO N/A
Officer
$611,656 $57,884 $669,540
Robin Harris CXO N/A
Officer
$605,350 $62,684 $668,034
Tim Burch CIO N/A
Officer
$597,153 $39,184 $636,337
Paula Holcomb CPO N/A
Officer
$540,541 $6,000 $546,541
Keith Spivey VP Payment Systems N/A
Key Emp
$395,582 $41,251 $436,833
Tim Grove AVP IT Business Planning & Management N/A
Key Emp
$337,664 $45,992 $383,656
Bryan Liles VP Commercial N/A
Key Emp
$310,243 $34,680 $344,923
Chandramouli Gajapathy VP IT Development & Implementations N/A
Key Emp
$269,470 $17,754 $287,224
Scott Hounchell President - TBLG N/A
Officer
$230,509 $47,938 $278,447
Chris Brown CLO N/A
Officer
$327,695 $3,985 $331,680
Doug King Director Emerging Payments N/A
Highest
$223,781 $33,391 $257,172
Nora Gonzales VP Retail Operations N/A
Highest
$218,730 $7,267 $225,997
Caleb Welty AVP Marketing & Business Devlopment N/A
Highest
$192,315 $18,090 $210,405
Jamie Timmins VP Finance N/A
Highest
$185,064 $5,966 $191,030
Tyler Wall AVP Contact Center & Digital N/A
Highest
$180,058 $17,706 $197,764
Frank Molinar Chairman of the Board 1
Director
$21,373 $0 $21,373
Dr Rich Dear Vice-Chairman 1
Director
$15,913 $0 $15,913
Dr Joe Bean Secretary 1
Director
$1,000 $0 $1,000
George Thompson Treasurer 1
Director
$16,500 $0 $16,500
Ben Davis Director 1
Director
$16,500 $0 $16,500
Mauro Serrano Director 1
Director
$17,759 $0 $17,759
Dr Nikita Russell Secretary 1
Director
$18,284 $0 $18,284
Randall Armstrong Director 1
Director
$21,250 $0 $21,250
Karel Rucker Director 1
Director
$15,000 $0 $15,000
Kimberley Cantu Director 1
Director
$14,500 $0 $14,500
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 $276,922,397 $213,724,468 $4,586,598,539 $63,197,929
2024 $245,984,426 $192,743,334 $4,113,496,114 $53,241,092
2023 $198,598,316 $152,204,276 $3,739,474,922 $46,394,040
2022 $152,279,110 $104,058,200 $3,447,892,476 $48,220,910
2021 $132,703,955 $96,158,840 $3,346,818,050 $36,545,115
2020 $131,829,814 $102,930,923 $2,898,163,079 $28,898,891
2019 $129,453,632 $97,562,231 $2,504,825,406 $31,891,401
2018 $111,261,863 $85,902,693 $2,263,160,446 $25,359,170
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