VICINITY CREDIT UNION

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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

1931

Legal Domicile

Principal Officer

MARIO AGUIRRE

Phone

7733766000

Tax Period

2024-01-01 to 2024-12-31

VICINITY CREDIT UNION, founded in 1931, is a mid-sized nonprofit in the Public & Societal Benefit sector that reported $13.3M in total revenue in fiscal year 2024.

Mission

TO ENCOURAGE SAVINGS AND PROVIDE CREDIT AT A REASONABLE INTEREST RATE, FOR THE BENEFIT FOR MEMBERS.

Program Service Accomplishments

Program 1

INCOME FROM THE CREDIT UNION MEMBERSHIP AND FROM THE INVESTMENT OF MEMBERS' FUNDS PROVIDE THE FOUNDATION FROM WHICH THE CREDIT UNION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP.

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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 (2024)

Revenue Breakdown

Contributions & Grants $950,000

Program Service Revenue $7,737,499

Investment Income $4,595,775

Other Revenue $0

TOTAL REVENUE $13,283,274

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,685,558

Fundraising Expenses $0

Other Expenses $9,918,224

TOTAL EXPENSES $13,603,782

Year-over-Year Comparison

	2024	2023	Change
Revenue	$13,283,274	$13,822,381	0.0%
Expenses	$13,603,782	$14,104,087	0.0%
Net Income	$-320,508	$-281,706	+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

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

$653,283

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PHILLIP C MOORE	CHAIRPERSON	1.00	Director	$0	$0	$0
NEAL SUWE	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
DR TISA CHARLES	TREASURER	1.00	Director	$0	$0	$0
JAIME GROTH SEARLE	SECRETARY	1.00	Director	$0	$0	$0
CAROLYN A JOHNSON	BOARD MEMBER	1.00	Director	$0	$0	$0
DR CARLA STEWART	BOARD MEMBER	1.00	Director	$0	$0	$0
VIRGINIA BAUTISTA WHITE	BOARD MEMBER	1.00	Director	$0	$0	$0
ANDREA BOTLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
MARIO AGUIRRE	PRESIDENT/CEO	35.00	Officer	$352,101	$10,508	$362,609
JOHN LENZ	CFO	35.00	Officer	$96,343	$2,410	$98,753
MARIA TRAVIS	CHIEF RETAIL OPERATION OFFICER	35.00	Officer	$134,492	$13,513	$148,005
JOHN GREGG	CONTROLLER	35.00	Officer	$43,840	$76	$43,916

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	$13,283,274	$13,603,782	$275,637,523	$-320,508
2023	$13,822,381	$14,104,087	$286,556,422	$-281,706
2022	$9,439,159	$9,232,178	$295,434,711	$206,981
2021	$8,121,425	$7,302,647	$261,855,618	$818,778
2020	$7,935,047	$7,776,278	$262,017,258	$158,769
2019	$8,825,010	$8,415,428	$248,793,771	$409,582
2018	$6,756,927	$6,049,621	$203,864,202	$707,306