TXDOT CREDIT UNION (EIN 751363640) - 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

1971

Legal Domicile

Phone

3256768925

Tax Period

2024-01-01 to 2024-12-31

TXDOT CREDIT UNION, founded in 1971, is a small nonprofit that reported $850K in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum. The organization ran a surplus of $154K, a strong 18% operating margin.

Mission

COOPERATIVE PROVIDER OF CREDIT UNION SERVICES SUCH AS SAVINGS ACCOUNTS AND CONSUMER 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $817,106

Investment Income $33,029

Other Revenue $0

TOTAL REVENUE $850,135

Expense Breakdown

Grants Paid $0

Salaries & Benefits $236,556

Fundraising Expenses $0

Other Expenses $459,511

TOTAL EXPENSES $696,067

Year-over-Year Comparison

	2024	2023	Change
Revenue	$850,135	$699,461	+0.2%
Expenses	$696,067	$547,752	+0.3%
Net Income	$154,068	$151,709	+0.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEPHEN DAVIS	Director	1.00	Officer Director	$0	$0	$0
LISA FLASH	Secretary	1.00	Officer Director	$0	$0	$0
LINDA PEAVY	Director	1.00	Director	$0	$0	$0
GINNA HUGHES	Treasurer	1.00	Director	$0	$0	$0
JOHN CARTER	Director	1.00	Director	$0	$0	$0
RUSSELL CHAPMAN	Chairman	1.00	Officer Director	$0	$0	$0
JUAN MANGEL	Director	1.00	Director	$0	$0	$0
TONI NELSON	President	1.00	Officer	$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	No data	No data	No data	No data
2024	$850,135	$696,067	$16,555,055	$154,068
2023	$699,461	$547,752	$16,410,529	$151,709
2022	$606,730	$473,521	$17,636,980	$133,209
2021	$640,145	$508,498	$17,773,009	$131,647
2020	$627,627	$519,191	$16,304,606	$108,436
2019	$639,632	$576,684	$15,173,287	$62,948
2018	$492,649	$372,121	$11,942,556	$120,528

TXDOT CREDIT UNION