Cen-tex Manufacturing Credit Union
501(c)(14)
Only null% goes to programs Strong reserves
Cen-tex Manufacturing Credit Union is a 501(c)(14) organization based in Brownwood, Texas, registered in 1976, with $912,298 in FY2024 revenue. CharityIndex grades it B.
Po Box 1452, Brownwood, TX, 76804 EIN 75-1679844 Since 1976
Revenue (FY2024)
$912K
▼ 0.3% vs prior year
Expenses (FY2024)
$733K
Net assets
$3.1M
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
B
★★★★
Rated on 2 of 4 criteria — the rest aren't reported in this filing type.
Held down by its weakest criterion — a strong score on one criterion can't hide a weak one.
How the rating works →—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for Cen-tex Manufacturing Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
AFinancial health25% of the rating51 mo reserves · +20% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For Cen-tex Manufacturing Credit Union: 51 mo reserves · +20% margin earns a A on this criterion. See the exact thresholds →
—Governance25% of the ratingNot reported in this filing type
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. Not scored for Cen-tex Manufacturing Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
CTransparency10% of the rating2 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For Cen-tex Manufacturing Credit Union: 2 of 5 disclosure signals earns a C on this criterion. See the exact thresholds →
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Contact & location
Financial trends
Revenue grew from $683K (FY2013) to $912K (FY2024) across 12 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $10.9MNet assets $3.1M
Operating margin
19.6%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$14.0M
Total liabilities
$10.9M
Net assets
$3.1M
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $912,298▼0.3% | $733,097▲12.2% | $3,093,763▲6.1% | $13,999,378▲3.3% | 990 |
| 2023 | $914,607▲7.6% | $653,305▼1.5% | $2,914,562▲9.1% | $13,547,354▼3.9% | 990 |
| 2022 | $849,699▼0.6% | $662,955▲17.1% | $2,671,884▲7.5% | $14,091,089▲3.8% | 990 |
| 2021 | $854,611▲1.0% | $566,034▲8.8% | $2,485,140▲13.1% | $13,575,913▲5.2% | 990 |
| 2020 | $846,497▲1.0% | $520,463▲12.9% | $2,196,563▲17.4% | $12,903,392▲13.8% | 990 |
| 2019 | $837,964▲13.5% | $460,853▼7.6% | $1,870,529▲25.3% | $11,334,110▲20.3% | 990 |
| 2018 | $738,263▲12.5% | $498,493▼4.2% | $1,493,418▲19.1% | $9,420,701▼11.3% | 990 |
| 2017 | $656,110▲8.9% | $520,521▲2.0% | $1,253,648▲12.1% | $10,620,840▲12.5% | 990 |
| 2016 | $602,720▲0.1% | $510,334▼12.2% | $1,118,059▲9.0% | $9,444,335▲6.4% | 990 |
| 2015 | $601,935▼3.9% | $581,277▼12.7% | $1,025,673▲2.1% | $8,876,033▲0.5% | 990 |
| 2014 | $626,443▼8.3% | $665,666▲7.0% | $1,005,015▼3.8% | $8,829,073▲7.9% | 990 |
| 2013 | $682,933 | $622,101▲15.5% | $1,044,238▲6.2% | $8,181,028▲6.9% | 990 |
| 2012 | — | $538,582▲6.4% | $983,406▲12.7% | $7,652,322▲1.3% | 990 |
| 2011 | — | $506,313▼3.2% | $872,906▲15.6% | $7,550,919▲3.6% | 990 |
| 2010 | — | $523,219 | $755,204 | $7,285,665 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Frequently asked questions
- Is Cen-tex Manufacturing Credit Union a legitimate nonprofit?
- Yes. Cen-tex Manufacturing Credit Union is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 75-1679844, based in Brownwood, Texas.
- What is Cen-tex Manufacturing Credit Union's EIN?
- Cen-tex Manufacturing Credit Union's Employer Identification Number (EIN) is 75-1679844.
- How much revenue does Cen-tex Manufacturing Credit Union report?
- Cen-tex Manufacturing Credit Union reported $912,298 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does Cen-tex Manufacturing Credit Union have?
- CharityIndex grades Cen-tex Manufacturing Credit Union B, based on financial health (reserves and operating margin).
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Data for Cen-tex Manufacturing Credit Union (EIN 75-1679844) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.