ZUnclassifiedEIN: 741142852· Ruling Year: 1976

Texas Bay Credit Union

Houston, Texas

AHealth Score
89A

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Excellent

How This Organization Compares

Compared to 111 peers in Unclassified with $10M-$100M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org11.27×
Peer Median5.86×
💰
$59.3M
Total Revenue
📊
$54.3M
Total Expenses
🏦
$611.9M
Net Assets
📋
$94.8M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+30.5%
Year-over-year change (2022 → 2023)
Net Margin
+8.5%
Revenue minus expenses as % of revenue
Working Capital Ratio
11.27
Net assets divided by total expenses
Liabilities-to-Assets
13.4%
Total liabilities as % of total assets

Filing History

13 filings on record
YearRevenueExpensesAssets
2023$59,286,48130%$54,271,29532%$706,695,9398%
2022$45,431,66925%$41,150,14525%$652,953,14617%
2021$36,404,5562%$32,941,7872%$559,614,5984%
2020$35,520,2358%$33,635,0167%$537,570,0257%
2019$38,538,40912%$36,258,93214%$501,470,83813%
2018$34,455,4471%$31,789,8358%$442,138,7761%
2017$33,977,85521%$29,481,31718%$437,679,46510%
2016$27,977,1557%$25,083,13016%$396,190,9949%
2015$26,027,2088%$21,691,6372%$364,666,89012%
2014$24,138,6275%$22,029,4482%$326,759,5557%
2013$22,961,4769%$21,627,45214%$306,404,3086%
2012$21,118,03513%$18,916,65918%$289,279,93010%
2011$18,753,567$16,095,680$264,028,166

Frequently Asked Questions

What does Texas Bay Credit Union do?

Texas Bay Credit Union is a unclassified nonprofit organization based in Texas. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is Texas Bay Credit Union financially healthy?

Based on our 9-metric Financial Health Score model, Texas Bay Credit Union has a score of 89/100 (Grade: A). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Texas Bay Credit Union generate?

Texas Bay Credit Union reports $67.2M in annual revenue and holds $852.8M in total assets, based on IRS filings.

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