Navarro 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

1953

Legal Domicile

Principal Officer

Shirley L Colbert

Phone

9038722291

Tax Period

2025-01-01 to 2025-12-31

Navarro Credit Union, founded in 1953, is a small nonprofit that reported $130K in total revenue in fiscal year 2025. Expenses of $117K left a modest 10% surplus.

Mission

Provider of Credit Union Services

Program Service Accomplishments

Program 1

Expenses: $117,151 Revenue: $109,384

Consumer Loans Navarro Credit Union offers loans for vehicles, recreational vehicles, boats, motocycles, and side by sides as well as miscellaneous loans covering trailers, furniture, tractors and...

Consumer Loans Navarro Credit Union offers loans for vehicles, recreational vehicles, boats, motocycles, and side by sides as well as miscellaneous loans covering trailers, furniture, tractors and lawn mowers.

Program 2

Revenue: $20,797

Share Accounts Navarro Credit Union offers share accounts to members of all ages. The credit union had 669 members/owners of share accounts as of 12/31/2025. Member share accounts pay dividends...

Share Accounts Navarro Credit Union offers share accounts to members of all ages. The credit union had 669 members/owners of share accounts as of 12/31/2025. Member share accounts pay dividends quarterly.

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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 $100,462

Investment Income $20,797

Other Revenue $8,922

TOTAL REVENUE $130,181

Expense Breakdown

Grants Paid $0

Salaries & Benefits $52,007

Fundraising Expenses $0

Program Expenses $117,151

Other Expenses $65,144

TOTAL EXPENSES $117,151

Year-over-Year Comparison

	2025	2024	Change
Revenue	$130,181	$128,327	+0.0%
Expenses	$117,151	$106,422	+0.1%
Net Income	$13,030	$21,905	-0.4%

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

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

$48,282

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHIRLEY L COLBERT	President	45.00	Officer	$46,879	$0	$46,879
ELAINE JERNIGAN	PartTime Employee	2.00	Officer	$1,403	$0	$1,403
JERRY WELCH	Board Chairman	1.50	Officer Director	$0	$0	$0
MICHELLE OWEN	Director	1.50	Director	$0	$0	$0
DON BUTCHER	Director	1.50	Director	$0	$0	$0
TIFFANY G RICHARDSON	Vice Chairman	1.50	Officer Director	$0	$0	$0
GILBERT HIPPARD	Director	1.50	Director	$0	$0	$0
JEANNE MELTON	Secretary	1.50	Officer Director	$0	$0	$0
LISA EUBANKS	Director	1.50	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	$130,181	$117,151	$2,766,296	$13,030
2024	$128,327	$106,457	$2,816,312	$21,870
2023	$111,615	$109,267	$3,158,714	$2,348
2022	$87,071	$105,389	$3,302,358	$-18,318
2021	$107,061	$104,466	$3,363,507	$2,595
2020	$110,662	$101,718	$3,203,063	$8,944