Mesquite Credit Union (EIN 756068277) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1968

Legal Domicile

Principal Officer

Raul Buentello

Phone

9722858951

Tax Period

2025-01-01 to 2025-12-31

Mesquite Credit Union, founded in 1968, is a community nonprofit that reported $2.1M in total revenue in fiscal year 2025. The organization ran a surplus of $373K, a strong 18% operating margin.

Mission

Thrift Institution and member of the National Credit Union Administration

🔒

Trantor Score

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%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,636,528

Investment Income $462,604

Other Revenue $0

TOTAL REVENUE $2,099,132

Expense Breakdown

Grants Paid $0

Salaries & Benefits $761,287

Fundraising Expenses $0

Other Expenses $965,053

TOTAL EXPENSES $1,726,340

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,099,132	$1,991,608	+0.1%
Expenses	$1,726,340	$1,593,216	+0.1%
Net Income	$372,792	$398,392	-0.1%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

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

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

$207,786

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Brenda Reames	Chairperson	1.00	Officer Director	$0	$0	$0
William Metzger	Vice Chairperson	1.00	Officer Director	$0	$0	$0
Sheila Lambeth	Secretary	1.00	Officer Director	$0	$0	$0
Mary Smith	Treasurer	1.00	Officer Director	$0	$0	$0
Nancy Parker	Board Member	1.00	Director	$0	$0	$0
Selket Daese	Board Member	1.00	Director	$0	$0	$0
Emily Rico	Board Member	1.00	Director	$0	$0	$0
Lisa Connell	CEO	40.00	Key Emp Highest	$207,786	$0	$207,786

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	$2,099,132	$1,726,340	$40,574,077	$372,792
2024	$1,991,608	$1,593,216	$39,759,224	$398,392
2023	$1,739,946	$1,456,616	$40,417,827	$283,330
2022	$1,564,209	$1,300,751	$40,990,648	$263,458
2021	$1,779,761	$1,621,963	$41,803,632	$157,798
2020	$1,596,953	$1,426,438	$38,848,269	$170,515
2019	$1,551,412	$1,458,458	$33,214,141	$92,954
2018	$1,578,080	$1,416,148	$32,636,676	$161,932

Mesquite Credit Union