TRINITY VALLEY TEACHER 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

1938

Legal Domicile

Principal Officer

REBECCA L GOODMAN

Phone

9037290207

Tax Period

2024-01-01 to 2024-12-31

TRINITY VALLEY TEACHER CREDIT UNION, founded in 1938, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2024. Revenue surged 44% from the prior year, signaling strong growth momentum. The organization ran a surplus of $515K, a strong 38% operating margin.

Mission

COOPERATIVE PROVIDER OF CREDIT UNION FINANCIAL SERVICES

Program Service Accomplishments

Program 1

Share Accounts: Trinity Valley Teachers Credit Union share accounts are offered to members of all ages. The credit union had 3,029 member-owned accounts on December 31, 2024. Member savings accounts pay dividends quarterly. Member deposits can be received in person, mail, electronic and payroll deduction.

Program 2

Consumer Loans: Trinity Valley Teachers Credit Union provides loans to members. The consumer loan product line includes signature, new and used vehicle, recreational vehicle, farm equipment and share secured loans. Credit Disability and Credit Life insurance are available on all loan types.

Program 3

Share Certificates: Share Certificates are offered to members that want a stated interest return for a described time period. The credit union offers six month and twelve month certificates. This...

Share Certificates: Share Certificates are offered to members that want a stated interest return for a described time period. The credit union offers six month and twelve month certificates. This gives members an option in savings instruments.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $520,511

Investment Income $821,905

Other Revenue $17,971

TOTAL REVENUE $1,360,387

Expense Breakdown

Grants Paid $0

Salaries & Benefits $319,087

Fundraising Expenses $0

Program Expenses $0

Other Expenses $525,849

TOTAL EXPENSES $844,936

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,360,387	$946,207	+0.4%
Expenses	$844,936	$747,349	+0.1%
Net Income	$515,451	$198,858	+1.6%

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

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

$80,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REBECCA 'BECKY' GOODMAN	OFFICER PRESIDENT	40	Officer	$80,000	$0	$80,000
EUNICESTINE TOYE	DIRECTOR	0.50	Director	$0	$0	$0
CYNTHIA THORNTON	DIRECTOR	0.50	Director	$0	$0	$0
CARL R IVINS	VICE CHAIRMAN	0.50	Director	$0	$0	$0
MAURICE BURLESON	VICE SECRETARY	0.50	Director	$0	$0	$0
RICHARD SYLVESTER	TREASURER	0.50	Director	$0	$0	$0
JOHNNIE KEELING	DIRECTOR	0.50	Director	$0	$0	$0
DANIEL SHEAD JR	CHAIRPERSON	0.50	Director	$0	$0	$0
SONYA BROWN	DIRECTOR	0.50	Director	$0	$0	$0
CRAIG NIVENS	SECRETARY	0.50	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	$1,360,387	$844,936	$30,780,502	$515,451
2023	$946,207	$747,349	$31,048,024	$198,858
2022	$752,484	$669,931	$34,330,581	$82,553
2021	$699,753	$632,351	$34,696,448	$67,402
2020	$899,614	$632,705	$31,944,386	$266,909
2019	$930,234	$671,816	$28,986,002	$258,418
2018	$861,189	$643,701	$29,472,034	$217,488