ODESSA CITY EMPLOYEES CREDIT UNION (EIN 750877904) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1953

Legal Domicile

Phone

4323332510

Tax Period

2024-01-01 to 2024-12-31

ODESSA CITY EMPLOYEES CREDIT UNION, founded in 1953, is a small nonprofit that reported $941K in total revenue in fiscal year 2024. Revenue surged 24% from the prior year, signaling strong growth momentum. The organization ran a surplus of $208K, a strong 22% operating margin.

Mission

COOPERATIVE PROVIDER OF CREDIT UNION SERVICES SUCH AS SAVINGS ACCOUNTS, CHECKING ACCOUNTS AND CONSUMER LOANS.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $608,915

Investment Income $331,895

Other Revenue $0

TOTAL REVENUE $940,810

Expense Breakdown

Grants Paid $0

Salaries & Benefits $308,123

Fundraising Expenses $0

Other Expenses $425,135

TOTAL EXPENSES $733,258

Year-over-Year Comparison

	2024	2023	Change
Revenue	$940,810	$758,885	+0.2%
Expenses	$733,258	$629,345	+0.2%
Net Income	$207,552	$129,540	+0.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

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
DANIEL RODRIGUEZ	Director	1.00	Officer Director	$0	$0	$0
ALANA CONTRERAS	Director	1.00	Director	$0	$0	$0
ROBERT WHITE	Director	1.00	Director	$0	$0	$0
TYLER HOUCHIN	Director	1.00	Director	$0	$0	$0
JASON COTTON	Treasurer	1.00	Officer Director	$0	$0	$0
SCOTT SMITH	Director	1.00	Director	$0	$0	$0
DANIEL JONES	Director	1.00	Director	$0	$0	$0
AGAPITO BERNAL	Director	1.00	Director	$0	$0	$0
NORMA AGUILAR	Chairman	1.00	Officer 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	No data	No data	No data	No data
2024	$940,810	$733,258	$19,682,684	$207,552
2023	$758,885	$629,345	$20,044,408	$129,540
2022	$601,566	$585,807	$19,710,254	$15,759
2021	$628,634	$575,733	$20,327,950	$52,901
2020	$736,155	$632,942	$19,193,085	$103,213
2019	$770,494	$645,019	$18,137,070	$125,475
2018	$721,157	$636,218	$17,724,282	$84,939

ODESSA CITY EMPLOYEES CREDIT UNION