VIRIVA COMMUNITY CREDIT UNION (EIN 231370529) - 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

1936

Legal Domicile

Principal Officer

JAMES MCCAW

Phone

2153331201

Tax Period

2021-01-01 to 2021-10-31

VIRIVA COMMUNITY CREDIT UNION, founded in 1936, is a community nonprofit that reported $3.0M in total revenue in fiscal year 2021. Revenue fell 21% from the prior year — a significant decline worth monitoring.

Mission

CREATING A SOURCE OF CREDIT FOR ITS MEMBERS AT REASONABLE RATES OF INTEREST.

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,777,499

Investment Income $198,817

Other Revenue $974,386

TOTAL REVENUE $2,950,702

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,001,348

Fundraising Expenses $0

Other Expenses $1,991,827

TOTAL EXPENSES $2,993,175

Year-over-Year Comparison

	2021	2020	Change
Revenue	$2,950,702	$3,723,537	-0.2%
Expenses	$2,993,175	$4,049,341	-0.3%
Net Income	$-42,473	$-325,804	-0.9%

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

$177,600

Total Directors

$177,600

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES MCCAW	PRESIDENT/CEO	45.00	Officer Director	$155,834	$21,766	$177,600
JOSEPH KELLER	CHAIR	1.00	Officer Director	$0	$0	$0
EDWARD KEIDAT	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JEFF GOSSNER	DIRECTOR	1.00	Director	$0	$0	$0
ART HOPPER	DIRECTOR	1.00	Director	$0	$0	$0
MEL PAYNE	DIRECTOR	1.00	Director	$0	$0	$0
RALPH VIGUERS	DIRECTOR	1.00	Director	$0	$0	$0
SAMUEL BRADLEY	DIRECTOR	1.00	Director	$0	$0	$0
KAREN ROSSI	DIRECTOR	1.00	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
2021	$2,950,702	$2,993,175	No data	$-42,473
2020	$3,723,537	$4,049,341	$82,892,132	$-325,804
2019	$4,271,993	$4,226,447	$71,538,416	$45,546
2018	$4,073,127	$4,219,015	$69,211,195	$-145,888

VIRIVA COMMUNITY CREDIT UNION