DOCHES CREDIT UNION (EIN 750920970) - 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

1951

Legal Domicile

Principal Officer

CODY DEROUEN

Phone

9365697700

Tax Period

2023-01-01 to 2023-12-31

DOCHES CREDIT UNION, founded in 1951, is a community nonprofit that reported $4.5M in total revenue in fiscal year 2023. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $4.1M left a modest 7% surplus.

Mission

TO SERVE ALL MEMBERS WITH THE BEST IN FRIENDLY, PERSONAL SERVICE AT RATES AND TERMS THAT ARE COMPETITIVE; TO HELP THEM ACHIEVE THEIR FINANCIAL GOALS.

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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 $0

Program Service Revenue $4,068,149

Investment Income $395,659

Other Revenue $0

TOTAL REVENUE $4,463,808

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,132,893

Fundraising Expenses $0

Other Expenses $3,014,010

TOTAL EXPENSES $4,146,903

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,463,808	$3,842,906	+0.2%
Expenses	$4,146,903	$3,430,239	+0.2%
Net Income	$316,905	$412,667	-0.2%

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

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

$183,649

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
FREDDIE GIBSON	CHAIRMAN	1.50	Officer Director	$0	$0	$0
EDESKA BARNES	VICE CHARIMA	1.50	Officer Director	$0	$0	$0
CLARA BRYANT	SECRETARY	1.50	Officer Director	$0	$0	$0
PAM PAGANO	TREASURER	1.50	Officer Director	$0	$0	$0
SELITA HOYA	DIRECTOR	1.50	Director	$0	$0	$0
JOSH MOORE	DIRECTOR	1.50	Director	$0	$0	$0
CODY DEROUEN	PRESIDENT	40.00	Officer	$91,295	$10,107	$101,402
JAMIE FLORES	CONTROLLER	40.00	Officer	$73,000	$9,247	$82,247

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	$4,463,808	$4,146,903	$64,531,807	$316,905
2022	$3,842,906	$3,430,239	$67,652,678	$412,667
2021	$3,447,424	$2,977,497	$68,438,612	$469,927
2020	$3,194,893	$2,717,301	$60,789,245	$477,592
2019	$3,110,247	$2,720,110	$48,768,904	$390,137
2018	$2,769,744	$2,421,565	$45,718,569	$348,179

DOCHES CREDIT UNION