PAMPA MUNICIPAL CREDIT UNION

EIN: 750920210

Pampa, TX

Total Revenue
$385,725
Total Expenses
$332,598
Total Assets
$5,292,573
Net Assets
$736,035
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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
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

Pampa Municipal Credit Union's mission to help members with their savings and loans needs. To provide assistance when it is needed and help them to have a savings account for future needs. We are "Members helping Members". That is our mission statement.

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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 $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

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Governance

Voting Members
587
Independent Members
587
Employees
3
Volunteers
7

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
4
$0
Total Directors
3
$0
Key Employees
3
$93,275
Highest Compensated
1
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
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