Reeves County Teachers Credit Union

EIN: 756056679

Pecos, TX

Total Revenue
$699,981
Total Expenses
$644,333
Total Assets
$11,119,979
Net Assets
$1,379,891
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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
1967
Legal Domicile
TX
Principal Officer
Frank Jimenez
Phone
4324476192
Tax Period
2025-01-01 to 2025-12-31

Reeves County Teachers Credit Union, founded in 1967, is a small nonprofit that reported $700K in total revenue in fiscal year 2025. Expenses of $644K left a modest 8% surplus.

Mission

Reeves County Teachers Credit Union was organized to provide financial services to school employees and their families

Program Service Accomplishments

Program 1

Reeves County offers all types of loan products at competitive rates

Program 2

Reeves County offers deposit products at competitive rates

Program 3

n/a

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $541,335
Investment Income $56,348
Other Revenue $102,298
TOTAL REVENUE $699,981

Expense Breakdown

Grants Paid $0
Salaries & Benefits $248,600
Fundraising Expenses $0
Other Expenses $395,733
TOTAL EXPENSES $644,333

Year-over-Year Comparison

2025 2024 Change
Revenue $699,981 $656,243 +0.1%
Expenses $644,333 $656,800 0.0%
Net Income $55,648 $-557 -100.9%
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

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Governance

Voting Members
5
Independent Members
5
Employees
4
Volunteers
7

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
6
$81,360
Total Directors
4
$0
Key Employees
1
$81,360
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
John Salcido Chairperson 2.00
Officer Director
$0 $0 $0
Gary Rumbaugh Vice Chair 2.00
Officer Director
$0 $0 $0
Rebecca Granado Secretary 2.00
Officer Director
$0 $0 $0
Teresa Barragan Treasurer 2.00
Officer Director
$0 $0 $0
Lucia Dominguez Director 2.00
Officer
$0 $0 $0
Luzelva Estrello CEO 40.00
Officer Key Emp Highest
$81,360 $0 $81,360
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 $699,981 $644,333 $11,119,979 $55,648
2024 $656,243 $656,800 $11,091,928 $-557
2023 $694,222 $680,785 $9,637,209 $13,437
2022 $570,829 $549,150 $9,808,024 $21,679
2021 $667,138 $555,992 $11,154,133 $111,146
2020 $809,155 $728,921 $11,667,074 $80,234
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