Rincones Presbyterian Credit Union (EIN 856011990) - 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

1961

Legal Domicile

Phone

5753876339

Tax Period

2025-01-01 to 2025-12-31

Rincones Presbyterian Credit Union, founded in 1961, is a small nonprofit that reported $414K in total revenue in fiscal year 2025. Revenue surged 24% from the prior year, signaling strong growth momentum. Expenses of $377K left a modest 9% surplus.

Mission

Savings and loans under Federal Credit Union Act

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $334,795

Investment Income $16,516

Other Revenue $63,052

TOTAL REVENUE $414,363

Expense Breakdown

Grants Paid $0

Salaries & Benefits $112,533

Fundraising Expenses $0

Program Expenses $377,085

Other Expenses $264,552

TOTAL EXPENSES $377,085

Year-over-Year Comparison

	2025	2024	Change
Revenue	$414,363	$334,864	+0.2%
Expenses	$377,085	$335,366	+0.1%
Net Income	$37,278	$-502	-75.3%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Nicolas Casados	President	1	Officer	$0	$0	$0
Arthur Romero	Vice President	1	Officer	$0	$0	$0
Shirley Sandoval	Board Member	1	Officer	$0	$0	$0
Jennie Fresques	Board Member	1	Officer	$0	$0	$0
Elizabeth Montoya	Secretary	1	Officer	$0	$0	$0
Alfrida Valencia	Manager	40	Key Emp	$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	$414,363	$377,085	$5,840,916	$37,278
2024	$334,864	$335,366	$5,028,903	$-502
2023	$319,528	$295,528	$5,260,258	$24,000
2022	$304,903	$268,922	$4,971,196	$35,981
2021	$295,372	$283,267	$5,454,259	$12,105
2020	$282,860	$258,394	$5,001,269	$24,466
2019	$264,924	$239,334	$4,443,282	$25,590
2018	$220,986	$196,931	$4,134,280	$24,055

Rincones Presbyterian Credit Union