TRINITY VALLEY TEACHER CREDIT UNION

EIN: 750879008

Palestine, TX

Total Revenue
$1,360,387
Total Expenses
$844,936
Total Assets
$30,780,502
Net Assets
$9,060,331
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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
TX
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

Trinity Valley Teachers Credit Union is a cooperative thrift institution and is a member of the National Credit Union Administration Insurance Fund. It is regulated by the State of Texas Credit Union Department and the National Credit Union Administration. The Credit Union offers financial products including Share Accounts, Checking Accounts, Consumer Loans, Share Certificates and Individual Retirement Accounts.

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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 (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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Governance

Voting Members
9
Independent Members
9
Employees
7
Volunteers
9

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
1
$80,000
Total Directors
9
$0
Key Employees
0
$0
Highest Compensated
0
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
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