CEN-TEX MANUFACTURING CREDIT UNION (EIN 751679844) - 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

1979

Legal Domicile

Phone

3254557715

Tax Period

2023-01-01 to 2023-12-31

CEN-TEX MANUFACTURING CREDIT UNION, founded in 1979, is a small nonprofit that reported $915K in total revenue in fiscal year 2023. The organization ran a surplus of $261K, a strong 29% operating margin.

Mission

COOPERATIVE PROVIDER OF CREDIT UNION SERVICES SUCH AS SAVINGS ACCOUNTS, CHECKING 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $825,882

Investment Income $88,725

Other Revenue $0

TOTAL REVENUE $914,607

Expense Breakdown

Grants Paid $0

Salaries & Benefits $282,084

Fundraising Expenses $0

Other Expenses $368,726

TOTAL EXPENSES $653,305

Year-over-Year Comparison

	2023	2022	Change
Revenue	$914,607	$849,699	+0.1%
Expenses	$653,305	$662,955	0.0%
Net Income	$261,302	$186,744	+0.4%

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
DAN GARZA	Chairman	1.00	Officer Director	$0	$0	$0
BLAINE DANIEL	Treasurer	1.00	Officer Director	$0	$0	$0
DANNY GRIFFIN	Director	1.00	Director	$0	$0	$0
DEAN CALLIHAN	Director	1.00	Director	$0	$0	$0
DONA DELSO	Secretary	1.00	Officer Director	$0	$0	$0
ROBERT SWENSON	Director	1.00	Director	$0	$0	$0
LARRY SUTTON	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$914,607	$653,305	$13,547,354	$261,302
2022	$849,699	$662,955	$14,091,089	$186,744
2021	$854,611	$566,034	$13,575,913	$288,577
2020	$846,497	$520,463	$12,903,392	$326,034
2019	$837,964	$460,853	$11,334,110	$377,111
2018	$738,263	$498,493	$9,420,701	$239,770

CEN-TEX MANUFACTURING CREDIT UNION