CALIFORNIA CREDIT UNION COLLECTORS COUNCIL - JOEL BOWEN (EIN 770241107) - 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

1997

Legal Domicile

Principal Officer

JOEL BOWEN

Phone

8005923328

Tax Period

2023-01-01 to 2023-12-31

CALIFORNIA CREDIT UNION COLLECTORS COUNCIL - JOEL BOWEN, founded in 1997, is a small nonprofit that reported $109K in total revenue in fiscal year 2023. Revenue grew 12% year-over-year, indicating healthy expansion.

Mission

THE MISSION OF THE CALIF CUCC IS TO DEVELOP, EDUCATE, PROMOTE & PROVIDE A PROFESSIONAL SUPPORT SYSTEM FOR ALL PEOPLE IN OUR COLLECTIONS INDUSTRY.

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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 $3,985

Program Service Revenue $102,796

Investment Income $275

Other Revenue $2,139

TOTAL REVENUE $109,195

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $103,143

Other Expenses $112,822

TOTAL EXPENSES $112,822

Year-over-Year Comparison

	2023	2022	Change
Revenue	$109,195	$97,397	+0.1%
Expenses	$112,822	$108,112	+0.0%
Net Income	$-3,627	$-10,715	-0.7%

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

N/A

Employees

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOEL BOWEN	President	5.00	Officer Director	$0	$0	$0
WENDY KEELY	1ST VICE PRES	5.00	Officer Director	$0	$0	$0
MARY HERNANDEZ	2ND VP/TREAS	5.00	Officer Director	$0	$0	$0
MANDY THORN	MEMBERSHIP DIR	5.00	Director	$0	$0	$0
YVONNE BENNETT	Secretary	5.00	Officer Director	$0	$0	$0
KEIRSTY VAUGHAN	WEB DIRECTOR	5.00	Director	$0	$0	$0
TRACY ARROYO	CUSTODIAN RECRD	5.00	Director	$0	$0	$0
MICHAEL PARHAM	Director	5.00	Director	$0	$0	$0
AL PARENT	Director	5.00	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	$109,195	$112,822	$158,551	$-3,627
2022	$97,397	$108,112	$162,179	$-10,715
2021	$116,900	$159,809	$172,894	$-42,909
2020	$100,140	$68,459	$215,804	$31,681
2019	$254,033	$196,274	$195,123	$57,759
2018	$253,095	$233,951	$137,363	$19,144

CALIFORNIA CREDIT UNION COLLECTORS COUNCIL - JOEL BOWEN