TEXAS TELCOM CREDIT UNION (EIN 750899177) - 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

1952

Legal Domicile

Principal Officer

Pam Toler

Phone

2143208818

Tax Period

2023-01-01 to 2023-12-31

TEXAS TELCOM CREDIT UNION, founded in 1952, is a community nonprofit that reported $2.4M in total revenue in fiscal year 2023. Net assets of $57.2M represent 281 months of operating reserves.

Mission

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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,103,497

Investment Income $341,544

Other Revenue $0

TOTAL REVENUE $2,445,041

Expense Breakdown

Grants Paid $0

Salaries & Benefits $764,882

Fundraising Expenses $0

Program Expenses $2,547,698

Other Expenses $1,782,816

TOTAL EXPENSES $2,547,698

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,445,041	$2,339,887	+0.0%
Expenses	$2,547,698	$2,138,640	+0.2%
Net Income	$-102,657	$201,247	-1.5%

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

N/A

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

Total Directors

$4,200

Key Employees

$142,934

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Pam Toler	President/CEO	40	Key Emp Highest	$142,934	$0	$142,934
Ed Long Jr	Board Member	1	Director	$720	$0	$720
Michael Robbins	Chairman of the Board	1	Director	$720	$0	$720
Jim Williams	Vice Chairman of Board	1	Director	$720	$0	$720
Robert Edmondson Jr	Board Member	1	Director	$720	$0	$720
Larry Starrett	Board Member	1	Director	$660	$0	$660
Walter Ashwood	Secretary of Board	1	Director	$660	$0	$660
Martin Daniel Sr	Treasurer	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
2023	$2,445,041	$2,547,698	$57,273,243	$-102,657
2022	$2,339,887	$2,138,640	$62,976,469	$201,247
2021	$2,404,105	$2,234,828	$65,893,336	$169,277
2020	$2,506,359	$2,174,658	$60,073,777	$331,701
2019	$2,506,896	$2,500,545	$54,400,396	$6,351
2018	$2,604,226	$2,558,259	$56,161,061	$45,967

TEXAS TELCOM CREDIT UNION