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
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 |
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