High Desert Community Credit Union

🔒

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

1956

Legal Domicile

Principal Officer

LIZ RUSK

Phone

5053343074

Tax Period

2025-01-01 to 2025-12-31

High Desert Community Credit Union, founded in 1956, is a small nonprofit that reported $970K in total revenue in fiscal year 2025. Revenue decreased 7% compared to the prior year. Expenses of $935K left a modest 4% surplus.

Mission

TO PROMOTE THRIFT AMONG ITS MEMBERS AND TO CREATE A SOURCE OF CREDIT FOR THEM AT LEGITIMATE INTEREST FOR PROVIDENT AND PRODUCTIVE PURPOSES.

Program Service Accomplishments

Program 1

THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES AND OTHER. THE TOTAL NUMBER OF MEMBERS AT 12/31/2025 WAS 1,923.

Program 2

THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2025 WAS 539.

🔒

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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $679,654

Investment Income $290,046

Other Revenue $0

TOTAL REVENUE $969,700

Expense Breakdown

Grants Paid $0

Salaries & Benefits $288,377

Fundraising Expenses $0

Other Expenses $646,480

TOTAL EXPENSES $934,857

Year-over-Year Comparison

	2025	2024	Change
Revenue	$969,700	$1,044,374	-0.1%
Expenses	$934,857	$1,145,560	-0.2%
Net Income	$34,843	$-101,186	-1.3%

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

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

$77,300

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LIZ RUSK	CEO	40.00	Officer	$77,300	$0	$77,300
DENNIS BARNES	Director	1.00	Director	$0	$0	$0
BETH SIMS	Treasurer	1.00	Director	$0	$0	$0
JAMES CONYERS	Vice President	1.00	Director	$0	$0	$0
JOLEE ARELLANO	Chairman	1.00	Director	$0	$0	$0
CHESLEA WILLIAMS	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
2025	$969,700	$934,857	$17,176,850	$34,843
2024	$1,044,374	$1,145,560	$16,722,766	$-101,186
2023	$1,292,171	$1,030,512	$19,599,585	$261,659
2022	$1,101,509	$991,969	$20,879,861	$109,540
2021	$1,107,993	$895,870	$23,129,097	$212,123
2020	$965,412	$708,018	$20,819,500	$257,394
2019	$788,153	$640,135	$15,809,723	$148,018
2018	$733,061	$576,493	$15,161,806	$156,568