TRANS TEXAS SOUTHWEST CREDIT UNION (EIN 751081923) - 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

1954

Legal Domicile

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

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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 $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

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

$144,074

Total Directors

$144,074

Key Employees

Highest Compensated

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

TRANS TEXAS SOUTHWEST CREDIT UNION