MIDLAND, TX
4 risk indicators measuring financial stability and operational resilience
Sign in with your work email to view Tuckman-Chang indicators
Sign In — Free (10 views/day)MTCU, founded in 1955, is a community nonprofit that reported $8.9M in total revenue in fiscal year 2023. Expenses of $8.0M left a modest 10% surplus.
MTCU IS A COOPERATIVE THRIFT INSTITUTION AND IS A MEMBER OF THE NATIONAL CREDIT UNION ASSOCIATION INSURANCE FUND. MTCU IS REGULATED BY THE STATE OF TEXAS CREDIT UNION DEPARTMENT AS WELL AS THE NATIONAL CREDIT UNION ADMINISTRATION. MTCU OFFERS PRODUCTS AND SERVICES IN FOUR PRIMARY AREAS: SHARE & CHECKING ACCOUNTS, CONSUMER LOANS, AND REAL ESTATE LOANS. MTCU IS DEDICATED TO PROVIDING PERSONAL, COURTEOUS, AND PROFESSIONAL SERVICE IN AN EFFICIENT AND CARING MANNER AND TO MEETING THE DIVERSE NEEDS OF THE MEMBER-OWNERS THROUGH SOUND MANAGEMENT PRACTICES.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
Sign in to view Trantor Score and financial metrics
Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2023 | 2022 | Change | |
|---|---|---|---|
| Revenue | $8,873,097 | $8,352,706 | +0.1% |
| Expenses | $8,013,158 | $7,438,390 | +0.1% |
| Net Income | $859,939 | $914,316 | -0.1% |
Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics
Financial Distress Indicator
Liquidity & Cash Position
Sign in to view all financial metrics
Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| NANCY ASHLEY | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| JON BRENNER | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| ARIEL ELLIOTT | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| LINDA HANCOCK | SECRETARY | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| BETTY MERRITT | CHAIR | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| OFELIA PALLANEZ | VICE CHAIR | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| JAYME TEDDER | TREASURER | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| JANA HANEY | FORMER PRESIDENT | 40.00 |
Officer
|
$380,607 | $63,920 | $444,527 |
| BROOKE MARTIN | FORMER CFO | 40.00 |
Officer
|
$199,807 | $15,540 | $215,347 |
| JUSTIN MARLER | PRESIDENT | 40.00 |
Officer
|
$202,753 | $43,907 | $246,660 |
| ESTRELLA AGUILAR | CFO | 40.00 |
Officer
|
$35,856 | $1,671 | $37,527 |
| CESAR TARIN | VICE PRESIDENT OF LENDING | 40.00 |
Highest
|
$152,188 | $35,841 | $188,029 |
| SUSAN MASTEN | EXECUTIVE VICE PRESIDENT | 40.00 |
Highest
|
$128,243 | $30,640 | $158,883 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | No data | No data | No data | No data |
| 2023 | $8,873,097 | $8,013,158 | $138,084,055 | $859,939 |
| 2022 | $8,352,706 | $7,438,390 | $148,244,519 | $914,316 |
| 2021 | $7,400,793 | $6,775,537 | $143,998,178 | $625,256 |
| 2020 | $7,741,069 | $6,960,232 | $135,379,260 | $780,837 |
| 2019 | $7,453,685 | $7,076,638 | $129,946,776 | $377,047 |
| 2018 | $6,712,631 | $6,455,591 | $129,853,916 | $257,040 |
Compare MTCU with other nonprofits in Texas and across the country.