Railroad Employees Credit Union (EIN 850234701) - 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

1955

Legal Domicile

Phone

5058644740

Tax Period

2025-01-01 to 2025-12-31

Railroad Employees Credit Union, founded in 1955, is a community nonprofit that reported $5.0M in total revenue in fiscal year 2025. Revenue surged 20% from the prior year, signaling strong growth momentum. The organization ran a surplus of $942K, a strong 19% operating margin.

Mission

New Mexico state chartered credit union providing financial services to its members as provided

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $4,288,394

Investment Income $658,212

Other Revenue $7,007

TOTAL REVENUE $4,953,613

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,077,102

Fundraising Expenses $0

Other Expenses $2,934,976

TOTAL EXPENSES $4,012,078

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,953,613	$4,125,105	+0.2%
Expenses	$4,012,078	$3,561,152	+0.1%
Net Income	$941,535	$563,953	+0.7%

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

N/A

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

$136,365

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Horacio R Padilla	Chairperson	1.00	Officer Director	$0	$0	$0
Wayne Gallegos	Vice Chairperson	1.00	Officer Director	$0	$0	$0
Theresa Chavez	Board Secretary	1.00	Officer Director	$0	$0	$0
Jim Davis	Board Treasurer	1.00	Officer Director	$0	$0	$0
Amy Shields	Board Member	1.00	Director	$0	$0	$0
Matthew Soto	CEO	40.00	Key Emp Highest	$136,365	$0	$136,365

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	$4,953,613	$4,012,078	$75,361,731	$941,535
2024	$4,125,105	$3,561,152	$73,134,762	$563,953
2023	$3,274,320	$3,362,989	$63,728,797	$-88,669

Railroad Employees Credit Union