EAST TEXAS PROFESSIONAL CREDIT UNION

EIN: 750913075

Longview, TX

Total Revenue
$89,433,057
Total Expenses
$64,108,566
Total Assets
$1,402,343,568
Net Assets
$264,848,629
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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
TX
Principal Officer
JENNY SMITH
Phone
9033230230
Tax Period
2025-01-01 to 2025-12-31

EAST TEXAS PROFESSIONAL CREDIT UNION, founded in 1953, is a mid-sized nonprofit that reported $89.4M in total revenue in fiscal year 2025. Revenue grew 8% year-over-year, indicating healthy expansion. The organization ran a surplus of $25.3M, a strong 28% operating margin.

Mission

Financial Institution with a Community Charter to provide financial services to our membership.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $76,578,508
Investment Income $12,609,782
Other Revenue $244,767
TOTAL REVENUE $89,433,057

Expense Breakdown

Grants Paid $0
Salaries & Benefits $19,594,795
Fundraising Expenses $0
Program Expenses $21,837,134
Other Expenses $44,513,771
TOTAL EXPENSES $64,108,566

Year-over-Year Comparison

2025 2024 Change
Revenue $89,433,057 $82,471,516 +0.1%
Expenses $64,108,566 $60,764,060 +0.1%
Net Income $25,324,491 $21,707,456 +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

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Governance

Voting Members
10
Independent Members
N/A
Employees
433
Volunteers
10

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
0
$0
Total Directors
0
$0
Key Employees
10
$2,430,144
Highest Compensated
2
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
W Byron Norton President 40
Key Emp Highest
$1,054,915 $0 $1,054,915
John Griffin SRVP Lending 40
Key Emp
$221,695 $0 $221,695
Scot Haines SRVP Operations 40
Key Emp
$200,971 $0 $200,971
Kerri Dalme SRVP Branch Operations 40
Key Emp
$178,169 $0 $178,169
Keitha Nilsson SRVP Branch Operations 40
Key Emp
$158,680 $0 $158,680
Douglas Gonzales VP Information Technology 40
Highest
$151,428 $0 $151,428
Jenny Smith SRVP Accounting Manager 40
Key Emp
$142,495 $0 $142,495
Meagan Staples VP HR Manager 40
Key Emp
$126,166 $0 $126,166
Richard Martin VP Indirect Lending 40
Key Emp
$121,014 $0 $121,014
Greg Jeffery VP Branch Operations 40
Key Emp
$114,594 $0 $114,594
Kelly Evans VP Branch Operations 40
Key Emp
$111,445 $0 $111,445
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 $89,433,057 $64,108,566 $1,402,343,568 $25,324,491
2024 $82,471,516 $60,764,060 $1,322,488,787 $21,707,456
2023 $67,204,448 $46,515,614 $1,196,894,416 $20,688,834
2022 $48,939,993 $37,551,936 $1,179,947,147 $11,388,057
2021 $39,825,100 $27,290,062 $963,213,382 $12,535,038
2020 $38,657,943 $26,436,365 $826,175,436 $12,221,578
2019 $38,339,633 $25,381,175 $653,838,562 $12,958,458
2018 $33,958,773 $22,585,954 $615,308,609 $11,372,819
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