WESTEX COMMUNITY 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

1961

Legal Domicile

Principal Officer

KENNETH ARNOLD

Phone

4325866631

Tax Period

2025-01-01 to 2025-12-31

WESTEX COMMUNITY CREDIT UNION, founded in 1961, is a mid-sized nonprofit that reported $15.1M in total revenue in fiscal year 2025. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $5.0M, a strong 33% operating margin.

Mission

THE MISSION OF WESTEX COMMUNITY CREDIT UNION IS TO PROVIDE FINANCIAL SERVICES TO ITS MEMBERS AT COMPETETIVE PRICES

Program Service Accomplishments

Program 1

WESTEX COMMUNITY OFFERS ALL TYPES OF LOAN PRODUCTS AT COMPETITIVE RATES

Program 2

WESTEX OFFERS DEPOSIT PRODUCTS AT COMPETITIVE RATES

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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 $11,952,444

Investment Income $2,757,339

Other Revenue $437,439

TOTAL REVENUE $15,147,222

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,122,506

Fundraising Expenses $0

Other Expenses $6,067,534

TOTAL EXPENSES $10,190,040

Year-over-Year Comparison

	2025	2024	Change
Revenue	$15,147,222	$13,196,566	+0.1%
Expenses	$10,190,040	$8,686,330	+0.2%
Net Income	$4,957,182	$4,510,236	+0.1%

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

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

Total Directors

Key Employees

$250,307

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VONDA WARREN	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
VICTOR BERZOZA	VICE CHAIR	1.00	Officer Director	$0	$0	$0
WANNAH HARTLEY	SECRETARY	1.00	Officer Director	$0	$0	$0
EVA GUNN	TREASURER	1.00	Officer Director	$0	$0	$0
MIRTA ACOSTA	MEMBER	1.00	Director	$0	$0	$0
ZANE CROKER	MEMBER	1.00	Director	$0	$0	$0
BLANE WOLF	MEMBER	1.00	Director	$0	$0	$0
KENNETH ARNOLD	CEO	40.00	Key Emp Highest	$136,293	$0	$136,293
SHAWNA DORAN	EXEC. VP	40.00	Key Emp	$114,014	$0	$114,014

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	$15,147,222	$10,190,040	$224,846,957	$4,957,182
2024	$13,196,566	$8,686,330	$197,589,831	$4,510,236
2023	$11,043,399	$7,511,547	$184,168,419	$3,531,852
2022	$8,741,308	$6,553,878	$173,320,070	$2,187,430
2021	$6,993,558	$5,048,503	$143,409,115	$1,945,055
2020	$6,824,268	$5,240,552	$129,099,478	$1,583,716
2019	$6,973,474	$4,882,426	$116,964,552	$2,091,048
2018	$5,870,026	$4,575,519	$103,087,223	$1,294,507