COAST LINE CREDIT UNION (EIN 010146437) - 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

1927

Legal Domicile

Principal Officer

MATTHEW GRIFFITHS

Phone

2077997245

Tax Period

2025-01-01 to 2025-12-31

COAST LINE CREDIT UNION, founded in 1927, is a community nonprofit that reported $4.3M in total revenue in fiscal year 2025. The organization ran a surplus of $1.4M, a strong 32% operating margin.

Mission

PROVIDE MEMBERS WITH SAVINGS AND AFFORDABLE LOAN PRODUCTS.

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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 $4,249,953

Investment Income $0

Other Revenue $26,419

TOTAL REVENUE $4,276,372

Expense Breakdown

Grants Paid $0

Salaries & Benefits $786,143

Fundraising Expenses $0

Program Expenses $2,922,996

Other Expenses $2,136,853

TOTAL EXPENSES $2,922,996

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,276,372	$3,989,046	+0.1%
Expenses	$2,922,996	$2,777,724	+0.1%
Net Income	$1,353,376	$1,211,322	+0.1%

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

$259,505

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEPHEN B RICHARD	CHAIRMAN	1.00	Officer Director	$0	$0	$0
ROBERT TRACY	VICE CHAIR	1.00	Officer Director	$0	$0	$0
DOUGLAS O'DONNELL	TREASURER	1.00	Officer Director	$0	$0	$0
RITA D THOMPSON	BOARD CLERK	1.00	Director	$0	$0	$0
SHARON CAVALLARO	DIRECTOR	1.00	Director	$0	$0	$0
THERESA HESELTINE	DIRECTOR	1.00	Director	$0	$0	$0
MARK REUSCHER	DIRECTOR	1.00	Director	$0	$0	$0
MATTHEW GRIFFITHS	PRESIDENT	40.00	Officer	$259,505	$0	$259,505
TROY CHADBOURNE	VICE PRESIDENT	40.00	Highest	$143,979	$0	$143,979

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	$4,276,372	$2,922,996	$89,491,142	$1,353,376
2024	$3,989,046	$2,777,724	$81,599,067	$1,211,322
2023	$3,414,178	$2,202,438	$76,152,410	$1,211,740
2022	$2,350,060	$1,644,814	$77,978,096	$705,246
2021	$2,170,248	$1,492,696	$77,623,444	$677,552
2020	$2,325,646	$1,865,155	$72,344,439	$460,491
2019	$2,464,038	$1,732,395	$64,394,415	$731,643
2018	$2,185,319	$1,462,014	$59,065,753	$723,305

COAST LINE CREDIT UNION