Tyler, TX
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)HIGHWAY EMPLOYEES CREDIT UNION, founded in 1959, is a small nonprofit that reported $115K in total revenue in fiscal year 2025. Expenses of $101K left a modest 12% surplus.
A cooperative thrift organization known as a credit union to build member's worth through systemic savings and providing loans for provident and productive purposes.
MEMBER SHARE ACCOUNTS: The credit union's share account offer our members a competitive dividend rate on their savings. There were 438 members-owner accounts as of December 31, 2025. We encourage our...
MEMBER SHARE ACCOUNTS: The credit union's share account offer our members a competitive dividend rate on their savings. There were 438 members-owner accounts as of December 31, 2025. We encourage our members to develop a habit of savings.
CONSUMER LOANS: Since the beginning of the credit union in 1959, we have provided personal and collateral loans. The consumer loans product line includes new and used vehicles, boats, motorcycles...
CONSUMER LOANS: Since the beginning of the credit union in 1959, we have provided personal and collateral loans. The consumer loans product line includes new and used vehicles, boats, motorcycles, ATVs and travel trailer loans. The members also have the option of purchasing GAP coverage on the vehicle loans.
The credit union has some expenses that include: two full time employees along with their salaries, taxes paid, insurance and other expenses to operate the credit union.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $114,641 | $115,485 | 0.0% |
| Expenses | $100,659 | $97,653 | +0.0% |
| Net Income | $13,982 | $17,832 | -0.2% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| Melissa Frick | President/Manager | 28 |
Officer
|
$30,305 | $0 | $30,305 |
| John Goodwin | Chairman | 1 |
Director
|
$0 | $0 | $0 |
| Conley Owens | Vice Chairman | 1 |
Director
|
$0 | $0 | $0 |
| Larry West | Treasurer | 1 |
Director
|
$0 | $0 | $0 |
| Linda Akin | Secretary | 1 |
Director
|
$0 | $0 | $0 |
| Clint Costner | Director | 1 |
Director
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $114,641 | $100,659 | $1,878,199 | $13,982 |
| 2024 | $115,485 | $97,653 | $1,880,182 | $17,832 |
| 2023 | $108,615 | $87,975 | $1,701,044 | $20,640 |
| 2022 | $92,552 | $82,206 | $1,909,568 | $10,346 |
| 2021 | $93,638 | $79,051 | $1,853,966 | $14,587 |
| 2020 | $89,653 | $88,529 | $1,709,677 | $1,124 |
Compare HIGHWAY EMPLOYEES CREDIT UNION with other nonprofits in Texas and across the country.