CUBA CREDIT UNION (EIN 237253091) - 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

1972

Legal Domicile

Principal Officer

RHONDA JACQUEZ

Phone

5052893763

Tax Period

2023-01-01 to 2023-12-31

CUBA CREDIT UNION, founded in 1972, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2023. Revenue surged 46% from the prior year, signaling strong growth momentum. The organization ran a surplus of $383K, a strong 34% operating margin.

Mission

PROVIDE LOAN AND DEPOSIT PRODUCTS & SERVICES TO MEMBER-OWNERS OF THE ORGANIZATION AT A REASONABLE COST AND WITH A REASONABLE RATE OF RETURN, RESPECTIVELY.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $567,579

Investment Income $533,912

Other Revenue $32,379

TOTAL REVENUE $1,133,870

Expense Breakdown

Grants Paid $0

Salaries & Benefits $259,560

Fundraising Expenses $0

Other Expenses $491,525

TOTAL EXPENSES $751,085

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,133,870	$778,879	+0.5%
Expenses	$751,085	$643,547	+0.2%
Net Income	$382,785	$135,332	+1.8%

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

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

$86,234

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARTIN HERRERA	PRESIDENT	1.00	Officer Director	$0	$0	$0
WALTER TAYLOR	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
JACK NELSON	TREASURER	1.00	Officer Director	$0	$0	$0
VALENTIN MCCOY	MEMBER	1.00	Director	$0	$0	$0
RHONDA JACQUEZ	CEO	40.00	Officer	$0	$0	$86,234

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
2024	No data	No data	No data	No data
2023	$1,133,870	$751,085	$21,559,513	$382,785
2022	$778,879	$643,547	$22,163,951	$135,332
2021	$705,714	$546,836	$21,246,207	$158,878
2020	$804,953	$580,445	$19,564,140	$224,508
2019	$848,537	$603,928	$16,683,870	$244,609
2018	$769,302	$594,277	$15,838,759	$175,025

CUBA CREDIT UNION