Pampa, TX
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)Cabot Community Credit Union, founded in 1931, is a community nonprofit that reported $3.0M in total revenue in fiscal year 2025. The organization ran a surplus of $733K, a strong 24% operating margin.
To provide all members with competitively priced financial services
The credit union provides loan, checking, and savings services, as well as wire transfers, debit and credit card services to all eligible members
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $3,017,357 | $2,979,567 | +0.0% |
| Expenses | $2,284,402 | $1,978,305 | +0.2% |
| Net Income | $732,955 | $1,001,262 | -0.3% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| Kurt Hirschler | Chairman | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| Joel Palmateer | Vice Chairman | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| Melody Oliphant | Secretary/Treasurer | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| Leona Wills | Director | 1.00 |
Director
|
$0 | $0 | $0 |
| Denise Locknane | Director | 1.00 |
Director
|
$0 | $0 | $0 |
| James Allen | Director | 1.00 |
Director
|
$0 | $0 | $0 |
| Susan Ferguson | Director | 1.00 |
Director
|
$0 | $0 | $0 |
| Jimmye Cole | Director | 1.00 |
Director
|
$0 | $0 | $0 |
| Debra Howell | Former CEO | 40.00 |
Officer
Director
Key Emp
|
$68,935 | $0 | $68,935 |
| Carrie Kirkland | CEO | 40.00 |
Officer
Director
Key Emp
|
$61,977 | $0 | $61,977 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $3,017,357 | $2,284,402 | $41,994,919 | $732,955 |
| 2024 | $2,979,567 | $1,978,305 | $39,830,246 | $1,001,262 |
| 2023 | $2,807,809 | $1,860,249 | $40,203,147 | $947,560 |
| 2022 | $2,096,070 | $1,810,511 | $39,455,706 | $285,559 |
| 2021 | $2,048,419 | $1,208,157 | $40,650,695 | $840,262 |
| 2020 | $2,160,159 | $1,853,330 | $36,606,937 | $306,829 |
| 2019 | $2,290,266 | $2,364,472 | $33,494,678 | $-74,206 |
| 2018 | $2,254,219 | $2,170,258 | $32,513,762 | $83,961 |
Compare Cabot Community Credit Union with other nonprofits in Texas and across the country.