EQUISHARE CREDIT UNION (EIN 480477840) - 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

1932

Legal Domicile

Principal Officer

GARY TORRES

Phone

3162636171

Tax Period

2021-01-01 to 2021-12-31

EQUISHARE CREDIT UNION, founded in 1932, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2021. Revenue decreased 16% compared to the prior year. The organization ran a surplus of $365K, a strong 26% operating margin.

Mission

EQUISHARE CREDIT UNION IS COMMITTED TO PROVIDING FINANCIAL ASSISTANCE TO OUR COMMUNITY AND OUR MEMBERS BY OFFERING COMPETITIVE, QUALITY PRODUCTS, WITH EMPHASIS ON MEMBER SERVICE.

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,287,988

Investment Income $109,006

Other Revenue $4,945

TOTAL REVENUE $1,401,939

Expense Breakdown

Grants Paid $0

Salaries & Benefits $436,942

Fundraising Expenses $0

Other Expenses $600,215

TOTAL EXPENSES $1,037,157

Year-over-Year Comparison

	2021	2020	Change
Revenue	$1,401,939	$1,676,485	-0.2%
Expenses	$1,037,157	$1,943,948	-0.5%
Net Income	$364,782	$-267,463	-2.4%

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

$135,664

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROGER WOOD	CHAIRPERSON	1.00	Director	$0	$0	$0
GARY HEIDRICK	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
ESTEBAN PEREZ-RIZO	TREASURER	1.00	Director	$0	$0	$0
JOE NEAL	SECRETARY	1.00	Director	$0	$0	$0
GARREN TAYLOR	BOARD MEMBER	1.00	Director	$0	$0	$0
DANA SETCHELL	BOARD MEMBER	1.00	Director	$0	$0	$0
DENNIS HECKERMAN	BOARD MEMBER	1.00	Director	$0	$0	$0
GARY TORRES	PRESIDENT	40.00	Officer	$113,918	$21,746	$135,664

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
2021	$1,401,939	$1,037,157	No data	$364,782
2020	$1,676,485	$1,943,948	$34,798,390	$-267,463
2019	$2,217,805	$1,965,304	$32,266,626	$252,501
2018	$2,396,198	$2,571,544	$33,323,068	$-175,346

EQUISHARE CREDIT UNION