CAPROCK SANTA FE 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

1954

Legal Domicile

Principal Officer

ANN MARIE WRIGHT

Phone

8068285825

Tax Period

2023-01-01 to 2023-12-31

CAPROCK SANTA FE CREDIT UNION, founded in 1954, is a community nonprofit that reported $2.8M in total revenue in fiscal year 2023. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $1000K, a strong 36% operating margin.

Mission

THE MISSION OF THE CREDIT UNION IS TO SERVE OUR MEMBERSHIP BY PROVIDING STABILITY, MEMBER DRIVEN SERVICES, COMPETITIVE RATES AND REASONABLE FEES, PERSONAL SERVICE, AND TECHNICAL ADVANCES THAT ENHANCE AND EXPAND SERVICES.

Program Service Accomplishments

Program 1

THE CREDIT UNION SERVED ITS MEMBERSHIP BY HOLDING DEPOSITS FOR AND MAKING LOANS TO ITS APPROXIMATELY 4,547 MEMBERS WHO COMPRISED 8,620 DIFFERENT ACCOUNTS DURING THE YEAR.

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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 $1,846,660

Investment Income $850,381

Other Revenue $99,649

TOTAL REVENUE $2,796,690

Expense Breakdown

Grants Paid $8,795

Salaries & Benefits $707,144

Fundraising Expenses $0

Other Expenses $1,081,029

TOTAL EXPENSES $1,796,968

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,796,690	$2,398,210	+0.2%
Expenses	$1,796,968	$1,381,669	+0.3%
Net Income	$999,722	$1,016,541	0.0%

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

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

$152,357

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANN MARIE WRIGHT	PRESIDENT/CEO	40.00	Officer	$135,893	$16,464	$152,357
MIKE GREEN	CHAIRMAN	2.00	Officer Director	$0	$0	$0
PAULA MILLER	VICE CHAIRMAN	2.00	Officer Director	$0	$0	$0
JUANITA HEATHINGTON	SEC/TREAS	2.00	Officer Director	$0	$0	$0
W L RICE 123 - 423	BOARD MEMBER	1.00	Director	$0	$0	$0
MICKEY COLE	BOARD MEMBER	2.00	Director	$0	$0	$0
KEITH CREAGER	BOARD MEMBER	2.00	Director	$0	$0	$0
ANGELA POLK	BOARD MEMBER	1.50	Director	$0	$0	$0
BENNY ARGUELLO	BOARD MEMBER	1.00	Director	$0	$0	$0
DARLENE JONES	BOARD MEMBER	2.00	Director	$0	$0	$0
TOMMY JOHNSON 423 - 1223	BOARD MEMBER	2.00	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
2024	No data	No data	No data	No data
2023	$2,796,690	$1,796,968	$48,611,211	$999,722
2022	$2,398,210	$1,381,669	$49,104,994	$1,016,541
2021	$2,176,867	$1,271,816	$52,253,077	$905,051
2020	$2,394,224	$1,502,692	$49,525,120	$891,532
2019	$2,550,537	$1,553,057	$42,840,891	$997,480
2018	$2,406,705	$1,518,368	$41,529,558	$888,337
2018	$2,406,705	$1,518,368	$41,529,558	$888,337
2017	$2,310,333	$1,513,988	$40,604,357	$796,345
2016	$2,273,604	$1,328,032	$41,501,128	$945,572