FAMILY FIRST CREDIT UNION (EIN 381341100) - 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

JANIE SMITH

Phone

9897591686

Tax Period

2025-01-01 to 2025-12-31

FAMILY FIRST CREDIT UNION, founded in 1939, is a community nonprofit that reported $6.4M in total revenue in fiscal year 2025. Expenses of $5.8M left a modest 9% surplus.

Mission

TO PROVIDE A FULL RANGE OF FINANCIAL PRODUCTS AND SERVICES IN A PROMPT AND FRIENDLY MANNER.

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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 $4,411,607

Investment Income $1,939,945

Other Revenue $5,608

TOTAL REVENUE $6,357,160

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,680,539

Fundraising Expenses $0

Other Expenses $4,122,961

TOTAL EXPENSES $5,803,500

Year-over-Year Comparison

	2025	2024	Change
Revenue	$6,357,160	$5,993,239	+0.1%
Expenses	$5,803,500	$5,657,245	+0.0%
Net Income	$553,660	$335,994	+0.6%

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

$263,655

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JANIE SMITH	CEO	40.00	Officer	$139,749	$8,291	$148,040
JASON ACOSTA	COO	40.00	Officer	$111,872	$3,743	$115,615
MAURICE PATTERSON	Chairman	1.00	Director	$0	$0	$0
RICARDO LONGORIA	Director	1.00	Director	$0	$0	$0
PATRICIA JACOB	Director	1.00	Director	$0	$0	$0
RAYUNZA CHISM-HOOD	Director	1.00	Director	$0	$0	$0
SHARON DOOLAN	Secretary	1.00	Director	$0	$0	$0
TIMOTHY GENOVESE	Director	1.00	Director	$0	$0	$0
JOSEPH TURNER	Treasurer	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	$6,357,160	$5,803,500	$100,029,493	$553,660
2024	$5,993,239	$5,657,245	$100,994,668	$335,994
2023	$5,522,789	$5,132,517	$94,894,281	$390,272
2022	$4,824,631	$4,097,000	$88,591,899	$727,631
2021	$4,180,262	$3,431,413	$92,172,173	$748,849
2020	$3,651,745	$3,462,517	$90,530,715	$189,228
2019	$3,610,127	$3,508,481	$78,261,036	$101,646
2018	$3,600,920	$3,703,919	$75,502,509	$-102,999

FAMILY FIRST CREDIT UNION