CoastLife Credit Union (EIN 741505143) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1935

Legal Domicile

Principal Officer

Gina K Prince Bryant

Phone

3619925456

Tax Period

2024-01-01 to 2024-12-31

CoastLife Credit Union, founded in 1935, is a mid-sized nonprofit that reported $29.3M in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion.

Mission

To change lives by helping each person navigate their financial journey

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $7,348

Program Service Revenue $25,491,745

Investment Income $3,734,215

Other Revenue $101,856

TOTAL REVENUE $29,335,164

Expense Breakdown

Grants Paid $15,000

Salaries & Benefits $6,584,955

Fundraising Expenses $0

Program Expenses $4,211,000

Other Expenses $14,661,780

TOTAL EXPENSES $29,531,872

Year-over-Year Comparison

	2024	2023	Change
Revenue	$29,335,164	$26,050,682	+0.1%
Expenses	$29,531,872	$23,380,884	+0.3%
Net Income	$-196,708	$2,669,798	-1.1%

Key Indicators

✗ Grants to Organizations ✓ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

176

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

$538,155

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GINA BRYANT	CEO	40.00	Key Emp	$364,236	$0	$364,236
SAMUEL LONGORIA	Chief Lending Officer	40.00	Key Emp	$173,919	$0	$173,919
KARI KELLEY	COO	40.00	Highest	$118,161	$0	$118,161
MISSY A GARCIA	VP of Human Resources	40.00	Highest	$114,368	$0	$114,368
KEN COMBS	Board of Director	10.00	Director	$0	$0	$0
HENRY SANTANA	Board of Director	10.00	Director	$0	$0	$0
KATHRYN ORTIZ	Board of Director	10.00	Director	$0	$0	$0
JOSE CAVAZOS JR	Board of Director	10.00	Director	$0	$0	$0
JESSE GATEWOOD	Board of Director	10.00	Director	$0	$0	$0
LYNDA DELEON	Vice ChairpersonBOD	10.00	Officer	$0	$0	$0
ANGIE RAMIREZ	SecretaryBOD	10.00	Officer	$0	$0	$0
MICHAEL SANDROUSSI	Chairman of the BOD	10.00	Officer	$0	$0	$0
JAVIER LEAL	TreasurerBOD	10.00	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
2024	$29,335,164	$29,531,872	$495,568,233	$-196,708
2023	$26,050,682	$23,380,884	$479,449,439	$2,669,798
2022	$23,047,485	$17,882,088	$490,166,619	$5,165,397
2021	$21,652,843	$15,930,953	$459,349,679	$5,721,890
2020	$21,894,502	$16,853,777	$408,757,871	$5,040,725
2019	$21,774,371	$16,792,774	$354,360,950	$4,981,597
2018	$18,074,315	$14,588,745	$312,201,740	$3,485,570

CoastLife Credit Union