REDWOOD CREDIT UNION COMMUNITY FUND INC (EIN 475084832) - 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

2015

Legal Domicile

Principal Officer

MISHEL KAUFMAN

Phone

7075765260

Tax Period

2023-01-01 to 2023-12-31

REDWOOD CREDIT UNION COMMUNITY FUND INC, founded in 2015, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $361K in total revenue in fiscal year 2023. Revenue fell 71% from the prior year — a significant decline worth monitoring. Expenses of $814K exceeded revenue, resulting in a 126% operating deficit.

Mission

HELPING TO MAKE A MEANINGFUL IMPACT IN ADVANCING THE WELL-BEING OF OUR COMMUNITIES.

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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 $146,463

Program Service Revenue $0

Investment Income $214,228

Other Revenue $0

TOTAL REVENUE $360,691

Expense Breakdown

Grants Paid $753,446

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $753,446

Other Expenses $60,215

TOTAL EXPENSES $813,661

Year-over-Year Comparison

	2023	2022	Change
Revenue	$360,691	$1,263,338	-0.7%
Expenses	$813,661	$272,195	+2.0%
Net Income	$-452,970	$991,143	-1.5%

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

N/A

Employees

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CYNTHIA NEGRI	PRESIDENT (TRHU 03/23)	1.00	Officer Director	$0	$0	$0
MISHEL KAUFMAN	PRESIDENT	2.00	Officer Director	$0	$0	$0
JOSE ALVAREZ	VICE PRESIDENT	0.25	Officer Director	$0	$0	$0
DAN MOYLAN	TREASURER	1.00	Officer Director	$0	$0	$0
TRACY CONDRON	SECRETARY	0.25	Officer Director	$0	$0	$0
MATT METZGER	DIRECTOR	0.25	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
2024	No data	No data	No data	No data
2023	$360,691	$813,661	$8,822,662	$-452,970
2022	$1,263,338	$272,195	$8,906,263	$991,143
2021	$1,528,547	$552,999	$8,601,859	$975,548
2020	$1,460,894	$519,407	$7,368,547	$941,487
2019	$1,565,449	$525,709	$6,279,016	$1,039,740
2018	$5,830,873	$12,591,349	$4,970,133	$-6,760,476

REDWOOD CREDIT UNION COMMUNITY FUND INC