NORTHWEST COMMUNITY CREDIT UNION (EIN 362372079) - 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

1939

Legal Domicile

Principal Officer

JOSE GARCIA

Phone

8476471030

Tax Period

2024-01-01 to 2024-12-31

NORTHWEST COMMUNITY CREDIT UNION, founded in 1939, is a community nonprofit that reported $2.9M in total revenue in fiscal year 2024.

Mission

TO PROVIDE LOW COST LOAN AND DEPOSIT PRODUCTS TO OUR MEMBERSHIP ON A COOPERATIVE BASIS.

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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 $0

Program Service Revenue $2,419,169

Investment Income $477,523

Other Revenue $0

TOTAL REVENUE $2,896,692

Expense Breakdown

Grants Paid $0

Salaries & Benefits $740,097

Fundraising Expenses $0

Program Expenses $3,045,558

Other Expenses $2,305,461

TOTAL EXPENSES $3,045,558

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,896,692	$2,871,247	+0.0%
Expenses	$3,045,558	$2,776,745	+0.1%
Net Income	$-148,866	$94,502	-2.6%

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

$311,370

Total Directors

$311,370

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EMIR ABINION	CHAIRMAN	1.00	Officer Director	$0	$0	$0
JOSE GARCIA	TREASURER/CEO	40.00	Officer Director	$196,318	$8,370	$204,688
XIMENA GRANDA	SUPERVISORY COMMITTEE	1.00	Director	$0	$0	$0
LEON MITCHELL	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
SANTINO BIBBO	SECRETARY	1.00	Officer Director	$0	$0	$0
GABBY GOMEZ	SVP	40.00	Officer Director	$106,467	$215	$106,682
LOUIS E MUELLER	DIRECTOR	1.00	Director	$0	$0	$0
MARTIN JG MURRAY	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
2025	No data	No data	No data	No data
2024	$2,896,692	$3,045,558	$65,938,029	$-148,866
2023	$2,871,247	$2,776,745	$67,217,278	$94,502
2022	$2,057,279	$1,918,895	$64,457,976	$138,384
2021	$2,174,272	$1,681,096	$58,149,139	$493,176
2020	$1,727,836	$1,858,748	$57,096,431	$-130,912

NORTHWEST COMMUNITY CREDIT UNION