SAN JUAN MOUNTAINS CREDIT UNION (EIN 840512485) - 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

1958

Legal Domicile

Principal Officer

TARA SALAZAR

Phone

9702495319

Tax Period

2023-01-01 to 2023-12-31

SAN JUAN MOUNTAINS CREDIT UNION, founded in 1958, is a community nonprofit that reported $2.4M in total revenue in fiscal year 2023. The organization ran a surplus of $426K, a strong 18% operating margin.

Mission

TO SERVE AS THE PRIMARY FINANCIAL INSTITUTION OF THE CREDIT UNION'S MEMBERSHIP BY PROVIDING EFFICIENT SERVICES OF HIGH QUALITY, THUS PROMOTING THE PHILOSOPHY OF "PEOPLE HELPING PEOPLE".

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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 $2,051,154

Investment Income $330,726

Other Revenue $5,067

TOTAL REVENUE $2,386,947

Expense Breakdown

Grants Paid $0

Salaries & Benefits $947,199

Fundraising Expenses $0

Other Expenses $1,013,817

TOTAL EXPENSES $1,961,016

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,386,947	$2,350,802	+0.0%
Expenses	$1,961,016	$1,733,518	+0.1%
Net Income	$425,931	$617,284	-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

N/A

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

$322,350

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JUDY KNOTT	CHAIRMAN	3.00	Director	$0	$0	$0
KENNETH JEWELL	DIRECTOR	2.00	Director	$0	$0	$0
PAUL MCDERMOTT	DIRECTOR	2.00	Director	$0	$0	$0
LARRY SWAIN	VICE CHAIR	2.00	Director	$0	$0	$0
TOM WEST	SECR/TREAS	2.00	Director	$0	$0	$0
TARA SALAZAR	CEO	40.00	Officer	$173,633	$9,523	$183,156
LYNNE SMITH	ASSISTANT MANAGER	40.00	Officer	$129,671	$9,523	$139,194

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	$2,386,947	$1,961,016	$51,629,832	$425,931
2022	$2,350,802	$1,733,518	$53,043,202	$617,284
2021	$2,277,872	$1,741,100	$49,828,803	$536,772
2020	$1,822,112	$1,403,915	$42,532,619	$418,197
2019	$1,640,633	$1,433,145	$37,324,612	$207,488
2018	$1,526,066	$1,323,722	$34,587,985	$202,344

SAN JUAN MOUNTAINS CREDIT UNION