PAMPA MUNICIPAL CREDIT UNION

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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

Ellen Gage

Phone

8066658875

Tax Period

2025-01-01 to 2025-12-31

PAMPA MUNICIPAL CREDIT UNION, founded in 1953, is a small nonprofit that reported $386K in total revenue in fiscal year 2025. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $333K left a modest 14% surplus.

Mission

To provide share accounts and loans to members. Members contributing to their individual savings accounts allows the credit union to help other members with loans.

Program Service Accomplishments

Program 1

Dividends paid to members on regular share/savings accounts and certificates of deposits

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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 $0

Investment Income $11,702

Other Revenue $374,023

TOTAL REVENUE $385,725

Expense Breakdown

Grants Paid $0

Salaries & Benefits $107,136

Fundraising Expenses $0

Program Expenses $0

Other Expenses $98,807

TOTAL EXPENSES $332,598

Year-over-Year Comparison

	2025	2024	Change
Revenue	$385,725	$356,134	+0.1%
Expenses	$332,598	$277,351	+0.2%
Net Income	$53,127	$78,783	-0.3%

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

587

Independent Members

587

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

Key Employees

$93,275

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Ellen Gage	Manager	30	Key Emp Highest	$49,676	$0	$49,676
Gail Dabbs	Administrative Assistant	30	Key Emp	$33,589	$0	$33,589
Dana Chumbley	Clerk	14	Key Emp	$10,010	$0	$10,010
Mike Day	Board of Director	1	Director	$0	$0	$0
Jessica Mann	Board Member	1	Director	$0	$0	$0
Vickie Long	Board Member	1.0	Director	$0	$0	$0
Cary Rushing	Treasurer	1	Officer	$0	$0	$0
Jackie Harper	Chairman of the Board	1.0	Officer	$0	$0	$0
Debbie McDonald	Secretary of the Board	1.0	Officer	$0	$0	$0
Louan Suttle	Vice Chairman of the Board	1.0	Officer	$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	$385,725	$332,598	$5,292,573	$53,127
2024	$356,134	$277,351	$5,149,906	$78,783
2023	$315,780	$251,598	$4,895,810	$64,182
2022	$278,997	$204,398	$4,539,111	$74,599
2022	$278,997	$204,398	$4,539,111	$74,599
2021	$248,532	$183,724	$4,187,581	$64,808
2020	$234,566	$173,617	$3,676,748	$60,949