MY COMMUNITY 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

1952

Legal Domicile

Principal Officer

MARCUS DAVIS

Phone

4326888400

Tax Period

2025-01-01 to 2025-12-31

MY COMMUNITY CREDIT UNION, founded in 1952, is a mid-sized nonprofit that reported $44.9M in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $40.9M left a modest 9% surplus.

Mission

To provide all types of financial services to our membership

Program Service Accomplishments

Program 1

My Community offers all types of loan products at competitive rates.

Program 2

My Community offers share and deposit produts that include savings, checking, and money market type accounts.

Program 3

My Community offers federally insured certificates of deposit, as well as IRA 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $31,405,436

Investment Income $2,417,634

Other Revenue $11,030,825

TOTAL REVENUE $44,853,895

Expense Breakdown

Grants Paid $0

Salaries & Benefits $10,997,525

Fundraising Expenses $0

Other Expenses $29,948,141

TOTAL EXPENSES $40,945,666

Year-over-Year Comparison

	2025	2024	Change
Revenue	$44,853,895	$40,843,358	+0.1%
Expenses	$40,945,666	$38,629,457	+0.1%
Net Income	$3,908,229	$2,213,901	+0.8%

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

168

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

$2,259,371

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Teresa DeShaw	Board Chair	1.00	Officer Director	$0	$0	$0
Charlie Harris	Board Vice Chair	1.00	Officer Director	$0	$0	$0
Mitzi Baker	Board Secretary	1.00	Officer Director	$0	$0	$0
Charlotte Dunlap	Board Treasurer	1.00	Officer Director	$0	$0	$0
Steve Shockley	Board Member	1.00	Director	$0	$0	$0
Tom Finnie	Board Member	1.00	Director	$0	$0	$0
Juan Luna	Board Member	1.00	Director	$0	$0	$0
Jonathon Boyd	Board Member	1.00	Director	$0	$0	$0
Guadalupe Ramirez	Board Member	1.00	Director	$0	$0	$0
Donna Neal	CEO	40.00	Key Emp	$871,415	$300,286	$1,171,701
Marcus Davis	CFO	40.00	Key Emp	$269,527	$29,720	$299,247
Genene Deleon	SVP Operations	40.00	Key Emp	$243,134	$13,976	$257,110
Lezlie Norman	COO	40.00	Key Emp	$256,809	$21,947	$278,756
Roger Mellor	SVP IT	40.00	Key Emp	$241,754	$10,803	$252,557
Denise Hernandez	VP Human Resources	40.00	Highest	$164,082	$0	$164,082
Angela Caswell	VP Operations	40.00	Highest	$151,956	$0	$151,956
Mohammad Jafri	Assistant VP, IT	40.00	Highest	$132,868	$0	$132,868
Jaclynn Torres	AVP Marketing	40.00	Highest	$118,811	$0	$118,811
Morgan Few	VP Accounting & Risk	40.00	Highest	$125,250	$0	$125,250

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	$44,853,895	$40,945,666	$536,356,749	$3,908,229
2024	No data	No data	No data	No data
2023	$35,098,716	$31,834,554	$493,711,584	$3,264,162
2022	$32,179,129	$26,297,750	$470,769,056	$5,881,379
2021	$29,746,694	$26,646,274	$459,209,364	$3,100,420
2020	$29,183,392	$29,288,762	$439,079,729	$-105,370
2019	$29,836,043	$28,822,910	$429,108,307	$1,013,133
2018	$24,575,861	$21,489,612	$382,844,968	$3,086,249