TUCSON OLD PUEBLO CREDIT UNION (EIN 860098341) - 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

1935

Legal Domicile

Principal Officer

G VERNON BABILON

Phone

5208816262

Tax Period

2025-01-01 to 2025-01-31

TUCSON OLD PUEBLO CREDIT UNION, founded in 1935, is a small nonprofit that reported $664K in total revenue in fiscal year 2024. Revenue fell 94% from the prior year — a significant decline worth monitoring. Expenses of $2.6M exceeded revenue, resulting in a 290% operating deficit.

Mission

PROVIDING LOANS AND SERVICES TO MEMBERS OF TUCSON OLD PUEBLO CREDIT UNION.

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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 $851,045

Investment Income $-187,190

Other Revenue $0

TOTAL REVENUE $663,855

Expense Breakdown

Grants Paid $0

Salaries & Benefits $367,486

Fundraising Expenses $0

Other Expenses $2,042,270

TOTAL EXPENSES $2,588,262

Year-over-Year Comparison

	2024	2023	Change
Revenue	$663,855	$11,849,989	-0.9%
Expenses	$2,588,262	$11,590,067	-0.8%
Net Income	$-1,924,407	$259,922	-8.4%

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

N/A

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

$30,198

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
G VERNON BABILON	PRESIDENT/CEO	40.00	Officer	$16,603	$740	$17,343
KENT HALL	CHIEF FINANCIAL OFFICER	40.00	Officer	$11,989	$866	$12,855
SCOTT BELL	CHIEF OPERATING OFFICER	40.00	Officer	$0	$0	$0
WILLIAM RICHARDS	CHAIR	2.00	Officer Director	$0	$0	$0
RICHARD PRATER	VICE CHAIR	2.00	Officer Director	$0	$0	$0
BRITTON SIMMONS	TREASURER	2.00	Officer Director	$0	$0	$0
MIKE MCKENDRICK	SECRETARY	2.00	Officer Director	$0	$0	$0
DAVID FREGONESE	DIRECTOR	2.00	Director	$0	$0	$0
ERIC KAZMIERCZAK	DIRECTOR	2.00	Director	$0	$0	$0
ROSS UNDERWOOD	DIRECTOR	2.00	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	$663,855	$2,588,262	No data	$-1,924,407
2024	$11,849,989	$11,590,067	$211,161,127	$259,922
2023	$11,807,934	$12,696,476	$210,129,269	$-888,542
2022	$10,355,740	$9,849,432	$222,912,928	$506,308
2021	$8,811,267	$7,126,285	$209,105,041	$1,684,982
2020	$8,522,811	$7,622,670	$177,439,068	$900,141
2019	$8,512,338	$7,274,327	$153,179,273	$1,238,011
2018	$7,616,287	$6,887,840	$149,380,448	$728,447

TUCSON OLD PUEBLO CREDIT UNION