DALLAS UP EMPLOYEES CREDIT UNION (EIN 751042040) - 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

1953

Legal Domicile

Principal Officer

ROSALYN BOLDIN

Phone

2143715611

Tax Period

2024-01-01 to 2024-12-31

DALLAS UP EMPLOYEES CREDIT UNION, founded in 1953, is a community nonprofit that reported $1.8M in total revenue in fiscal year 2024. Revenue surged 21% from the prior year, signaling strong growth momentum. The organization ran a surplus of $304K, a strong 16% operating margin.

Mission

VOLUNTARY, COOPERATIVE, NONPROFIT SAVINGS INSTITUTION (CREDIT UNION) INCORPORATED UNDER THE PROVISIONS OF THE TEXAS CREDIT UNION ACT, FOR THE PURPOSE OF ENCOURAGING THRIFT AMONG OUR MEMBERS, PROVIDING CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND PROVIDING AN OPPORTUNITY

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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 $1,605,385

Investment Income $242,469

Other Revenue $0

TOTAL REVENUE $1,847,854

Expense Breakdown

Grants Paid $0

Salaries & Benefits $506,823

Fundraising Expenses $0

Other Expenses $380,771

TOTAL EXPENSES $1,543,598

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,847,854	$1,521,939	+0.2%
Expenses	$1,543,598	$1,138,682	+0.4%
Net Income	$304,256	$383,257	-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

N/A

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

$215,300

Total Directors

$171,350

Key Employees

$88,277

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROSALYN BOLDIN	PRESIDENT AND CEO	45.00	Officer Highest	$132,227	$0	$132,227
DONALD SEEGER	TREASURER CFO BOARD MEMBER	45.00	Director Key Emp	$88,277	$0	$88,277
KEVIN COOK	BOARD MEMBER AND EMPLOYEE	45.00	Officer Director	$83,073	$0	$83,073
TOM KELLY	BOARD VICE CHAIRMAN	5.00	Officer Director	$0	$0	$0
DOUG STOKES	BOARD CHAIRMAN	5.00	Officer Director	$0	$0	$0
BARRY METCALF	BOARD MEMBER	1.00	Director	$0	$0	$0
ROBERT COCHRAN	BOARD MEMBER	1.00	Director	$0	$0	$0
GLYN COFFEY	BOARD MEMBER	1.00	Director	$0	$0	$0
KEVIN VAN SICKLE	BOARD MEMBER	1.00	Director	$0	$0	$0
PAM STOKES	BOARD SECRETARY	5.00	Officer 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	$1,847,854	$1,543,598	$25,901,668	$304,256
2023	$1,521,939	$1,138,682	$24,883,150	$383,257
2022	$1,143,513	$902,756	$26,787,168	$240,757
2021	$961,006	$969,397	$26,125,903	$-8,391
2020	$1,087,667	$1,033,349	$23,923,193	$54,318
2019	$1,123,607	$1,059,721	$21,672,185	$63,886
2018	$1,040,780	$984,075	$21,106,606	$56,705

DALLAS UP EMPLOYEES CREDIT UNION