TRANS TEXAS SOUTHWEST CREDIT UNION

EIN: 751081923

SAN ANGELO, TX

Total Revenue
$3,368,808
Total Expenses
$3,034,518
Total Assets
$51,819,482
Net Assets
$6,632,586
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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
1954
Legal Domicile
TX
Phone
3259443184
Tax Period
2025-01-01 to 2025-12-31

TRANS TEXAS SOUTHWEST CREDIT UNION, founded in 1954, is a community nonprofit that reported $3.4M in total revenue in fiscal year 2025. Expenses of $3.0M left a modest 10% surplus.

Mission

COOPERATIVE PROVIDER OF CREDIT UNION SERVICES SUCH AS SAVINGS ACCOUNTS, CHECKING ACCOUNTS AND LOANS

Program Service Accomplishments

Program 1

SHARE ACCOUNTS- MEMBER SHARE ACCOUNTS PAY DIVIDENDS QUARTERLY.

Program 2

CERTIFICATES OF DEPOSIT OFFERED TO OUR MEMBERS FOR VARIOUS TERMS.

Program 3

CONSUMER LOANS THE CREDIT UNION PROVIDES LOANS FOR AUTOS, REAL ESTATE, SHARE SECURED AND UNSECURED LOANS.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $2,832,961
Investment Income $527,483
Other Revenue $8,364
TOTAL REVENUE $3,368,808

Expense Breakdown

Grants Paid $0
Salaries & Benefits $1,250,936
Fundraising Expenses $0
Other Expenses $1,783,582
TOTAL EXPENSES $3,034,518

Year-over-Year Comparison

2025 2024 Change
Revenue $3,368,808 $3,243,985 +0.0%
Expenses $3,034,518 $2,954,220 +0.0%
Net Income $334,290 $289,765 +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

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Governance

Voting Members
5
Independent Members
5
Employees
17
Volunteers
4

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
4
$144,074
Total Directors
5
$144,074
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
TONI A SUDDUTH Treasurer/CEO 40.00
Officer Director
$144,074 $0 $144,074
TONY BLAIR BOARD MEMBER 1.00
Director
$0 $0 $0
VICKIE ALVES Chairman 1.00
Officer Director
$0 $0 $0
PEGGY BLACK Secretary 1.00
Officer Director
$0 $0 $0
FARON PFEIFFER VICE CHAIRMAN 1.00
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
2025 $3,368,808 $3,034,518 $51,819,482 $334,290
2024 No data No data No data No data
2023 $2,617,758 $2,366,740 $48,516,540 $251,018
2022 $2,076,529 $1,796,837 $45,091,924 $279,692
2021 $2,013,019 $1,982,828 $45,180,371 $30,191
2020 $2,099,854 $2,006,668 $44,278,686 $93,186
2019 $2,111,207 $1,987,878 $42,379,196 $123,329
2018 $2,126,580 $1,995,702 $41,881,187 $130,878
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