TEXOMA COMMUNITY CREDIT UNION (EIN 750896179) - Form 990 Financial Analysis & Trantor Score

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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

1953

Legal Domicile

Principal Officer

John Buckley

Phone

9408514000

Tax Period

2025-01-01 to 2025-12-31

TEXOMA COMMUNITY CREDIT UNION, founded in 1953, is a mid-sized nonprofit that reported $24.6M in total revenue in fiscal year 2025. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $21.3M left a modest 14% surplus.

Mission

Texoma Community Credit Union is a provider of credit union financial services.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $20,479,416

Investment Income $1,020,539

Other Revenue $3,087,632

TOTAL REVENUE $24,587,587

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,601,822

Fundraising Expenses $0

Program Expenses $0

Other Expenses $13,664,668

TOTAL EXPENSES $21,266,490

Year-over-Year Comparison

	2025	2024	Change
Revenue	$24,587,587	$22,743,966	+0.1%
Expenses	$21,266,490	$19,867,496	+0.1%
Net Income	$3,321,097	$2,876,470	+0.2%

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

106

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

$979,774

Total Directors

Key Employees

$1,840,663

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
John Buckley	President & CEO	40	Officer Key Emp Highest	$212,851	$0	$212,851
Tara Neal	CHRO	40	Officer Key Emp Highest	$198,609	$0	$198,609
Kenneth Thomason	EVP & CLO	40	Officer Key Emp Highest	$197,453	$0	$197,453
Angela Ohmstede	COO	40	Officer Key Emp Highest	$196,289	$0	$196,289
Kathryn Donovan	CFO	40	Officer Key Emp Highest	$174,572	$0	$174,572
Misti Todd	Mortgage Operations Manager	40	Key Emp Highest	$145,821	$0	$145,821
Chris Hansard	VP of IT	40	Key Emp Highest	$140,565	$0	$140,565
Randy Brewster	Commecial Loan Officer	40	Key Emp Highest	$138,431	$0	$138,431
Casey Allen	Indirect Loan Officer	40	Key Emp Highest	$117,210	$0	$117,210
Leslie Rhodes	VP Operations	40	Key Emp Highest	$117,210	$0	$117,210
Lauren McKechnie	VP Marketing	40	Key Emp Highest	$101,579	$0	$101,579
Tarvarus Sanders	Consumer Loan Manager	40	Key Emp Highest	$100,073	$0	$100,073
Ripley Tate	Board Chairman	3	Director	$0	$0	$0
Lacy Morgan	Vice Chairman	1	Director	$0	$0	$0
Vanda Cullar	Treasurer	1	Director	$0	$0	$0
Stacy Darnall	Secretary	1	Director	$0	$0	$0
Tony Ramirez	Director	1	Director	$0	$0	$0
Scott Poenitzsch	Director	1	Director	$0	$0	$0
David Farabee	Director	1	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	$24,587,587	$21,266,490	$307,645,621	$3,321,097
2024	$22,743,966	$19,867,496	$276,531,868	$2,876,470
2023	$19,964,567	$16,958,334	$271,045,182	$3,006,233
2022	$16,333,220	$13,538,846	$259,230,472	$2,794,374
2021	$14,613,284	$12,171,972	$235,218,540	$2,441,312
2020	$13,014,646	$10,885,327	$209,734,145	$2,129,319
2019	$12,457,267	$10,036,721	$168,354,534	$2,420,546
2018	$10,592,327	$8,517,060	$156,992,409	$2,075,267

TEXOMA COMMUNITY CREDIT UNION