Intercorp Credit Union

EIN: 750730775

Amarillo, TX

Total Revenue
$317,406
Total Expenses
$353,283
Total Assets
$4,249,372
Net Assets
$773,508
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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
TX
Principal Officer
Karen Allison
Phone
8063727792
Tax Period
2025-01-01 to 2025-12-31

Intercorp Credit Union, founded in 1941, is a small nonprofit that reported $317K in total revenue in fiscal year 2025. Revenue decreased 7% compared to the prior year. Expenses of $353K exceeded revenue, resulting in a 11% operating deficit.

Mission

Provide financial services to its members at competitive prices

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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 $269,813
Investment Income $47,593
Other Revenue $0
TOTAL REVENUE $317,406

Expense Breakdown

Grants Paid $0
Salaries & Benefits $150,684
Fundraising Expenses $0
Other Expenses $202,599
TOTAL EXPENSES $353,283

Year-over-Year Comparison

2025 2024 Change
Revenue $317,406 $342,386 -0.1%
Expenses $353,283 $336,885 +0.0%
Net Income $-35,877 $5,501 -7.5%
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
7
Independent Members
7
Employees
2
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
5
$79,080
Total Directors
7
$0
Key Employees
1
$79,080
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Mike Culp Chairman 1.00
Officer Director
$0 $0 $0
James Brewer Vice Chairman 1.00
Officer Director
$0 $0 $0
Cal Brannon Treasurer 1.00
Officer Director
$0 $0 $0
Lorita Bishop Secretary 1.00
Officer Director
$0 $0 $0
Kenneth Hunter Director 1.00
Director
$0 $0 $0
Wayne Elliston Director 1.00
Director
$0 $0 $0
Glen Dwyer Director 1.00
Director
$0 $0 $0
Karen Allison CEO 40.00
Officer Key Emp
$79,080 $0 $79,080
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 $317,406 $353,283 $4,249,372 $-35,877
2024 $342,386 $336,885 $4,297,729 $5,501
2023 $312,226 $304,103 $4,327,737 $8,123
2022 $278,674 $263,810 $4,486,197 $14,864
2021 $260,857 $236,552 $4,338,409 $24,305
2020 $274,154 $248,812 $4,037,521 $25,342
2019 $264,341 $248,887 $4,084,696 $15,454
2018 $250,345 $261,768 $4,498,134 $-11,423
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