Alpine Community Credit Union (EIN 741464048) - 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

1954

Legal Domicile

Principal Officer

Juan G Llanez

Phone

4328375156

Tax Period

2025-01-01 to 2025-12-31

Alpine Community Credit Union, founded in 1954, is a small nonprofit that reported $638K in total revenue in fiscal year 2025. The organization ran a surplus of $176K, a strong 28% operating margin.

Mission

To encourage members to save and give them the opportunity to acquire loans at competetive rates.

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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 $261,765

Investment Income $376,350

Other Revenue $0

TOTAL REVENUE $638,115

Expense Breakdown

Grants Paid $0

Salaries & Benefits $221,268

Fundraising Expenses $0

Other Expenses $240,686

TOTAL EXPENSES $461,954

Year-over-Year Comparison

	2025	2024	Change
Revenue	$638,115	$667,174	0.0%
Expenses	$461,954	$397,104	+0.2%
Net Income	$176,161	$270,070	-0.3%

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

Total Directors

Key Employees

$55,686

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Sylvia Vega	Chairperson	1.00	Officer Director	$0	$0	$0
Leticia Gonzales	Vice Chair	1.00	Officer Director	$0	$0	$0
Ruth Macias	Secretary	1.00	Officer Director	$0	$0	$0
Joe Martinez	Treasurer	1.00	Officer Director	$0	$0	$0
Emma Vega	Board Member	1.00	Director	$0	$0	$0
Rita Gordon	Board Member	40.00	Officer Key Emp Highest	$0	$0	$0
Rosie Pallanez	Board Member	1.00	Officer	$0	$0	$0
Mari Marquez	CEO	40.00	Key Emp Highest	$55,686	$0	$55,686

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	$638,115	$461,954	$14,344,735	$176,161
2024	$667,174	$397,104	$14,237,539	$270,070
2023	$633,434	$465,127	$15,568,596	$168,307
2022	$456,332	$363,024	$16,904,656	$93,308
2021	$388,446	$463,693	$17,086,856	$-75,247
2020	$479,025	$475,977	$16,030,172	$3,048
2019	$522,334	$461,421	$15,418,035	$60,913
2018	$552,856	$453,186	$15,276,565	$99,670

Alpine Community Credit Union