GABRIELS COMMUNITY 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

1957

Legal Domicile

Principal Officer

AMY COE

Phone

5174840601

Tax Period

2023-01-01 to 2023-12-31

GABRIELS COMMUNITY CREDIT UNION, founded in 1957, is a community nonprofit that reported $2.6M in total revenue in fiscal year 2023. Revenue decreased 5% compared to the prior year. Expenses of $8.7M exceeded revenue, resulting in a 237% operating deficit.

Mission

PROVIDE FINANCIAL SERVICES AND PRODUCTS TO MEMBERS.

Program Service Accomplishments

Program 1

THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES AND OTHER, THE TOTAL NUMBER OF MEMBERS AT 12/31/2023 WAS 2,712.

Program 2

THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMEBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2023 WAS 2,464.

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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 $2,440,221

Investment Income $136,932

Other Revenue $0

TOTAL REVENUE $2,577,153

Expense Breakdown

Grants Paid $0

Salaries & Benefits $938,336

Fundraising Expenses $0

Other Expenses $7,746,573

TOTAL EXPENSES $8,684,909

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,577,153	$2,722,307	-0.1%
Expenses	$8,684,909	$1,866,259	+3.7%
Net Income	$-6,107,756	$856,048	-8.1%

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

N/A

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

$82,238

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEN MURDOCH	CHAIRPERSON	1.00	Director	$0	$0	$0
LOREN DEYOUNG	VICE CHAIR	1.00	Director	$0	$0	$0
SHARON BYERS	SECRETARY TREAS	1.00	Director	$0	$0	$0
CHARLES DION	DIRECTOR	1.00	Director	$0	$0	$0
KATIE ST MARIE	DIRECTOR	1.00	Director	$0	$0	$0
MALISSA RICHARDSON	CEO - PART YEAR	40.00	Officer	$82,238	$0	$82,238
AMY COE	CEO	40.00	Officer	$0	$0	$0
HEATHER LUCIANI	INTERM CEO - PART YEAR	40.00	Officer	$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
2023	$2,577,153	$8,684,909	No data	$-6,107,756
2022	$2,722,307	$1,866,259	$35,016,585	$856,048
2021	$1,839,418	$1,383,185	$29,359,126	$456,233
2020	$1,409,505	$1,229,504	$21,140,860	$180,001
2019	$1,446,276	$1,213,918	$19,648,568	$232,358
2018	$1,298,020	$1,078,901	$17,170,589	$219,119