AMERICAS CREDIT UNION (EIN 756016747) - 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

1934

Legal Domicile

Phone

9724945328

Tax Period

2023-01-01 to 2023-12-31

AMERICAS CREDIT UNION, founded in 1934, is a mid-sized nonprofit that reported $22.0M in total revenue in fiscal year 2023. Revenue surged 23% from the prior year, signaling strong growth momentum. The organization ran a surplus of $3.5M, a strong 16% operating margin.

Mission

AMERICA'S CREDIT UNION OFFERS NUMEROUS SERVICES TO ITS MEMBER-OWNERS, EACH DESIGNED TO ASSIST THEM IN IMPROVING THEIR ECONOMIC WELL-BEING.

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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 $21,392,576

Investment Income $20,788

Other Revenue $620,942

TOTAL REVENUE $22,034,306

Expense Breakdown

Grants Paid $0

Salaries & Benefits $10,830,278

Fundraising Expenses $0

Other Expenses $7,664,310

TOTAL EXPENSES $18,494,588

Year-over-Year Comparison

	2023	2022	Change
Revenue	$22,034,306	$17,980,276	+0.2%
Expenses	$18,494,588	$15,331,949	+0.2%
Net Income	$3,539,718	$2,648,327	+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

128

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

$1,423,526

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BERT BEAL	CEO	40.00	Officer	$576,811	$91,219	$668,030
SHELLEY PENCE	CFO	40.00	Officer	$242,530	$68,864	$311,394
JASON STEELE	CIO	40.00	Officer	$186,437	$57,981	$244,418
TAMMY DE LA CERDA	Chief Lending	40.00	Officer	$174,911	$24,773	$199,684
SCARLET MIHAILOV	VP RETAIL SERVICES	40.00		$150,638	$22,764	$173,402
TAMMY CHAMBERS	VP HUMAN CAPITAL	40.00		$148,574	$22,271	$170,845
AARON WILLIAMS	VP-INNOVATION & MEMBER EXP	40.00		$131,218	$24,007	$155,225
MARTIN MORTENSEN	N/A	40.00		$125,306	$20,890	$146,196
EDWIN CASTRO	N/A	40.00		$122,439	$22,084	$144,523
BOYCE CROWNOVER	N/A	40.00		$126,183	$13,911	$140,094
PATRICIA MORRIS	VP-INTERNAL AUDIT&FRAUD MITIGATION	40.00		$117,151	$22,028	$139,179
LAURA MARTIN	N/A	40.00		$119,697	$18,598	$138,295
JASON SAPP	N/A	40.00		$105,019	$13,427	$118,446
ALEXA BRIDGES	VP-ACQUISTION & COMM	40.00		$104,123	$9,298	$113,421
RENEE BARTLETT	Director	1.00	Director	$0	$0	$0
RAFAYE NESMITH	Director	1.00	Director	$0	$0	$0
RAUL MERCADO	VICE CHAIR	1.00	Officer Director	$0	$0	$0
MAGGIE RUBIN	Director	1.00	Director	$0	$0	$0
DENA SMITH	Secretary	1.00	Director	$0	$0	$0
KEVIN CRAWFORD	Director	1.00	Director	$0	$0	$0
LARRY WADSWORTH	Director	1.00	Director	$0	$0	$0
CHRISTOPHER ENGLISH	Chairman	1.00	Officer Director	$0	$0	$0
SANDY THORNTON	Director	1.00	Director	$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	No data	No data	No data	No data
2023	$22,034,306	$18,494,588	$390,407,297	$3,539,718
2022	$17,980,276	$15,331,949	$407,039,109	$2,648,327
2021	$16,218,007	$14,304,391	$409,491,001	$1,913,616
2020	$9,885,620	$9,238,730	$389,020,387	$646,890
2019	$9,233,493	$7,783,278	$225,376,301	$1,450,215
2018	$8,994,363	$7,229,751	$228,611,661	$1,764,612

AMERICAS CREDIT UNION