ANGELINA COUNTY TEACHERS CREDIT UNION (EIN 750960075) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1954

Legal Domicile

Principal Officer

PHYLLIS DAVIS

Phone

9366347922

Tax Period

2024-01-01 to 2024-12-31

ANGELINA COUNTY TEACHERS CREDIT UNION, founded in 1954, is a small nonprofit that reported $590K in total revenue in fiscal year 2024. Revenue surged 30% from the prior year, signaling strong growth momentum. The organization ran a surplus of $140K, a strong 24% operating margin.

Mission

TO PROVIDE SAFE, SOUND, AND COMPETITIVE FINANCIAL SERVICES TO OUR MEMBERS WHO SHARE A COMMON BOND. TO REMAIN COMMITTED TO THE PHILOSOPHY OF HELPING OUR MEMBERS IN A RESPONSIBLE, CARING, AND PROFESSIONAL MANNER.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $589,950

Investment Income $0

Other Revenue $0

TOTAL REVENUE $589,950

Expense Breakdown

Grants Paid $0

Salaries & Benefits $244,537

Fundraising Expenses $0

Other Expenses $205,498

TOTAL EXPENSES $450,035

Year-over-Year Comparison

	2024	2023	Change
Revenue	$589,950	$454,007	+0.3%
Expenses	$450,035	$427,367	+0.1%
Net Income	$139,915	$26,640	+4.3%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$107,443

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PHYLLIS DAVIS	PRESIDENT/CE	35.00	Officer	$70,112	$37,331	$107,443
STEPHEN RHOADES	CHAIRMAN	1.00	Officer Director	$0	$0	$0
SHAWN RICKS	VICE CHAIRMA	1.00	Officer Director	$0	$0	$0
JANA COULTER	DIRECTOR	1.00	Officer Director	$0	$0	$0
LESLIE ASHBY	SECRETARY	1.00	Officer Director	$0	$0	$0
SYLVIA WEATHERS	DIRECTOR	1.00	Director	$0	$0	$0
JOE MARTINEZ	DIRECTOR	1.00	Director	$0	$0	$0
WINIFRED ADAMS	DIRECTOR	1.00	Director	$0	$0	$0
TRACIE MILLER	DIRECTOR	1.00	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	$589,950	$450,035	$12,678,015	$139,915
2023	$454,007	$427,367	$13,369,750	$26,640
2022	$441,880	$463,394	$14,349,866	$-21,514
2021	$519,711	$473,383	$14,937,676	$46,328
2020	$594,026	$478,193	$13,789,156	$115,833
2019	$570,207	$507,175	$12,860,213	$63,032
2018	$529,150	$427,954	$12,553,778	$101,196

ANGELINA COUNTY TEACHERS CREDIT UNION