GECU (EIN 740650998) - 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

DAVID A RASCON

Phone

9157789221

Tax Period

2021-01-01 to 2021-12-31

GECU, founded in 1932, is a major nonprofit that reported $222.1M in total revenue in fiscal year 2021. The organization ran a surplus of $57.9M, a strong 26% operating margin.

Mission

COOPERATIVE PROVIDER OF CREDIT UNION FINANCIAL SERVICES

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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 $139,483,788

Investment Income $3,647,833

Other Revenue $78,983,141

TOTAL REVENUE $222,114,762

Expense Breakdown

Grants Paid $0

Salaries & Benefits $62,030,992

Fundraising Expenses $0

Other Expenses $102,168,089

TOTAL EXPENSES $164,199,081

Year-over-Year Comparison

	2021	2020	Change
Revenue	$222,114,762	$224,273,123	0.0%
Expenses	$164,199,081	$201,074,129	-0.2%
Net Income	$57,915,681	$23,198,994	+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

Employees

1152

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

$8,599,953

Total Directors

$3,875

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GREGORY J WATTERS	DIRECTOR	5.00	Director	$700	$0	$700
JOSE I QUINONEZ	DIRECTOR	3.00	Director	$475	$0	$475
GUADALUPE GINER	DIRECTOR	3.00	Director	$575	$0	$575
RICARDO SOTO	DIRECTOR	3.00	Director	$525	$0	$525
TERESA QUEZADA	DIRECTOR	3.00	Director	$525	$0	$525
GRACE VAUGHN	DIRECTOR	3.00	Director	$500	$0	$500
JOHN RUNKLES	DIRECTOR	3.00	Director	$575	$0	$575
CRYSTAL D LONG	PRESIDENT/CEO	40.00	Officer	$1,081,060	$51,833	$1,132,893
TERESA MONTOYA	SR. VP - CHIEF MARKETING O	40.00	Officer	$322,594	$108,476	$431,070
CECILIA A DAVILA	SR. VP - CHIEF OPERATIONS	40.00	Officer	$754,578	$103,759	$858,337
DARLENE PALMORE	SR. VP - CHIEF COMPLIANCE	40.00	Officer	$763,975	$93,452	$857,427
HAZEL KENNEDY	SR. VP - CHIEF LENDING OFF	40.00	Officer	$775,169	$99,470	$874,639
ROY TOMPKINS	SR. VP - CHIEF COMMERCIAL	40.00	Officer	$414,543	$100,565	$515,108
FERNANDO ORTEGA	SR. VP - CHIEF INFORMATION	40.00	Officer	$326,421	$116,675	$443,096
DAVID RASCON	SR. VP - CHIEF FINANCIAL O	40.00	Officer	$350,347	$117,202	$467,549
YOUNG VASQUEZ	VP - HUMAN RESOURCES	40.00	Officer	$188,339	$40,728	$229,067
LETICIA RAMOS	VP - MORTGAGE	40.00	Officer	$229,675	$50,718	$280,393
MIKE SARABIA	VP - INTERNAL AUDIT	40.00	Officer	$195,915	$50,906	$246,821
DANIEL VASQUEZ	VP - CAREER AND TALENT DEV	40.00	Officer	$214,439	$40,805	$255,244
AIDE ARCE	VP - PROJECT MANAGEMENT OF	40.00	Officer	$154,450	$43,953	$198,403
ROBERT ECKHART	VP - INFORMATION SECURITY	40.00	Officer	$156,404	$38,444	$194,848
JOSE A FLORES GUERRERO	VP - INFORMATION SYSTEMS	40.00	Officer	$161,420	$14,097	$175,517
MICHELLE RODRIGUEZ	VP - TRAINING & TALENT DEV	40.00	Officer	$122,416	$27,985	$150,401
RAYMOND STALLINGS	VP - INFORMATION TECHNOLOG	40.00	Officer	$212,447	$47,383	$259,830
JEFFREY D THOMAS	VP - BUSINESS INTELLIGENCE	40.00	Officer	$190,268	$21,424	$211,692
JACQUE VALDEZ	VP - BRANCH OPERATIONS	40.00	Officer	$196,083	$37,568	$233,651
STEVEN WANTUCK	VP - UNDERWRITING & DEALER	40.00	Officer	$206,724	$29,278	$236,002
AMANDA M WILLIAMS	VP - PAYMENT & REMOTE SERV	40.00	Officer	$130,324	$33,833	$164,157
ENRIQUE ZARAGOZA	VP - COMMUNICATION	40.00	Officer	$160,846	$22,962	$183,808
JORGE MACIAS	FINANCIAL ADVISOR	40.00	Highest	$146,323	$10,487	$156,810
ALBERT ARELLANO	CREDIT RISK ANALYST SUPERVISOR	40.00	Highest	$133,922	$19,252	$153,174
JENNY TURNER	COLLECTIONS VICE PRESIDENT	40.00	Highest	$131,143	$25,357	$156,500
JULIETA VASQUEZ	LOAN OFFICER	40.00	Highest	$122,869	$36,728	$159,597
JOSIE MARQUEZ	VP - CONTOLLER	40.00	Highest	$122,852	$28,980	$151,832

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	$222,114,762	$164,199,081	$3,723,377,510	$57,915,681
2020	$224,273,123	$201,074,129	$3,522,965,036	$23,198,994
2019	$225,334,087	$186,819,628	$2,923,496,822	$38,514,459
2018	$201,771,905	$168,899,936	$2,819,381,992	$32,871,969

GECU