TYLER CITY EMPLOYEES 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

MARIANN MORGAN

Phone

9035928012

Tax Period

2024-01-01 to 2024-12-31

TYLER CITY EMPLOYEES CREDIT UNION, founded in 1953, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2024. Expenses of $1.6M left a modest 7% surplus.

Mission

TYLER CITY EMPLOYEES CREDIT UNION WAS ESTABLISHED TO PROVIDE QUALITY FINANCIAL SERVICES AT COMPETITIVE RATES

Program Service Accomplishments

Program 1

TYLER CITY EMPLOYEES CREDIT UNION OFFERS ALL TYPES OF LOAN PRODUCTS AT COMPETITIVE RATES

Program 2

TYLER CITY EMPLOYEES CREDIT UNION OFFERS ALL TYPES OF SAVINGS PRODUCTS AT COMPETITIVE RATES

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,558,143

Investment Income $127,038

Other Revenue $0

TOTAL REVENUE $1,685,181

Expense Breakdown

Grants Paid $0

Salaries & Benefits $511,482

Fundraising Expenses $0

Other Expenses $1,063,738

TOTAL EXPENSES $1,575,220

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,685,181	$1,597,903	+0.1%
Expenses	$1,575,220	$1,359,910	+0.2%
Net Income	$109,961	$237,993	-0.5%

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

Employees

Volunteers

N/A

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

$92,336

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GARY RICE	BOARD CHAIR	0.50	Officer Director	$0	$0	$0
DOYLE LYNCH	VICE CHAIR	0.50	Officer Director	$0	$0	$0
MICHAEL NORRIS	TREASURER	0.50	Officer Director	$0	$0	$0
KAREN REASONER	BOARD MEMBER	0.50	Officer Director	$0	$0	$0
SHEMADA TIMMONS	BOARD MEMBER	0.50	Director	$0	$0	$0
RANDAL MELTON	BOARD MEMBER	0.50	Director	$0	$0	$0
RODNEY BARBEE	BOARD MEMBER	0.50	Director	$0	$0	$0
MARIANN MORGAN	MANAGER	40.00	Key Emp Highest	$92,336	$0	$92,336

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	No data	No data	No data	No data
2024	$1,685,181	$1,575,220	$28,261,925	$109,961
2023	$1,597,903	$1,359,910	$26,983,927	$237,993
2022	$1,380,695	$1,213,324	$26,995,384	$167,371
2021	$1,272,012	$1,033,225	$26,392,356	$238,787
2020	$1,232,737	$882,871	$23,090,324	$349,866
2019	$1,158,303	$921,879	$19,582,089	$236,424
2018	$1,047,446	$820,524	$19,979,183	$226,922