HIGHWAY EMPLOYEES CREDIT UNION (EIN 751023729) - Form 990 Financial Analysis & Trantor Score

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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

1959

Legal Domicile

Phone

9035938987

Tax Period

2025-01-01 to 2025-12-31

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.

Mission

The Highway Employees Credit Union provides competitive rates on loans and savings accounts to employees and their families of the Texas Department of Transportation.

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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 $92,905

Investment Income $20,282

Other Revenue $1,454

TOTAL REVENUE $114,641

Expense Breakdown

Grants Paid $0

Salaries & Benefits $64,078

Fundraising Expenses $0

Program Expenses $100,659

Other Expenses $36,581

TOTAL EXPENSES $100,659

Year-over-Year Comparison

	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%

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

$30,305

Total Directors

Key Employees

Highest Compensated

reported

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

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	$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

HIGHWAY EMPLOYEES CREDIT UNION