CREDIT UNION WEST (EIN 860108241) - 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

1951

Legal Domicile

Principal Officer

KAREN ROCH

Phone

6026313200

Tax Period

2025-01-01 to 2025-12-31

CREDIT UNION WEST, founded in 1951, is a major nonprofit that reported $103.4M in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $92.0M left a modest 11% surplus.

Mission

FINANCIAL COOPERATIVE TO PROVIDE LOANS AND FINANCIAL SERVICES TO CREDIT UNION MEMBERS.

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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 $96,240,719

Investment Income $6,763,023

Other Revenue $379,240

TOTAL REVENUE $103,382,982

Expense Breakdown

Grants Paid $232,000

Salaries & Benefits $27,096,815

Fundraising Expenses $0

Other Expenses $64,637,080

TOTAL EXPENSES $91,965,895

Year-over-Year Comparison

	2025	2024	Change
Revenue	$103,382,982	$93,524,656	+0.1%
Expenses	$91,965,895	$81,317,971	+0.1%
Net Income	$11,417,087	$12,206,685	-0.1%

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

332

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

$2,637,001

Total Directors

$110,000

Key Employees

$1,678,292

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LARBERG GARY	CHAIRPERSON	1.00	Director	$20,000	$0	$20,000
JACKSON DON	V. CHAIRPERSON	1.00	Director	$15,000	$0	$15,000
GENDREAU LUIS	DIRECTOR	1.00	Director	$12,500	$0	$12,500
HOBSON CAROL	DIRECTOR	1.00	Director	$12,500	$0	$12,500
LAGUNA FRANCES	DIRECTOR	1.00	Director	$12,500	$0	$12,500
OLIVER SR JERRY	DIRECTOR	1.00	Director	$12,500	$0	$12,500
TYUS WANDA	DIRECTOR	1.00	Director	$12,500	$0	$12,500
FORD JONATHON	DIRECTOR	1.00	Director	$12,500	$0	$12,500
ROCH KAREN	CEO/PRESIDENT	40.00	Officer	$820,805	$46,300	$867,105
DUONG NING	EVP-COO	40.00	Officer	$478,287	$38,000	$516,287
BIRR ROBERT	VP-CHIEF LENDING OFFICER	40.00	Officer	$350,047	$100,323	$450,370
POLDOSKI KELLY	CHIEF FINANCIAL OFFICER	40.00	Officer	$393,954	$39,963	$433,917
CHRISTENSEN BEN D	CHIEF INFORMATION OFFICER	40.00	Officer	$337,058	$32,264	$369,322
O'CONNOR RYAN SEAN	VP- MARKETING & COMMUNICAT	40.00	Key Emp	$267,269	$39,622	$306,891
GREEN DANIELLE	VP- RETAIL DELIVERY	40.00	Key Emp	$243,722	$45,602	$289,324
CRUZ DIANA	VP- LOSS PREVENTION	40.00	Key Emp	$229,104	$51,575	$280,679
BURT JAIME	VP- ADMINISTRATION	40.00	Key Emp	$242,645	$37,976	$280,621
BAKER SETH R	VP-IT	40.00	Key Emp	$231,549	$40,074	$271,623
RUIZ MANNY	VP- BUSINESS SERVICES	40.00	Key Emp	$217,437	$31,717	$249,154
WADE ROBERT	INVESTMENT ADVISOR	40.00	Highest	$193,669	$29,403	$223,072
FIELDSON NICHOLAS	INVESTMENT ADVISOR	40.00	Highest	$191,227	$18,918	$210,145
BLOSS JODY	DIRECTOR- CONSUMER LENDING	40.00	Highest	$185,616	$18,654	$204,270
MACK JOSHUA LYLE	INFORMATION SYSTEMS MANAGER	40.00	Highest	$175,985	$20,999	$196,984
BLAYLOCK TRICIA	DIRECTOR- ENTERPRISE RISK	40.00	Highest	$167,441	$14,719	$182,160

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	$103,382,982	$91,965,895	$1,417,150,679	$11,417,087
2024	$93,524,656	$81,317,971	$1,299,512,297	$12,206,685
2023	$73,825,794	$60,343,158	$1,206,329,192	$13,482,636
2022	$55,137,534	$40,867,916	$1,117,757,318	$14,269,618
2021	$47,143,966	$38,979,860	$1,059,321,576	$8,164,106
2020	$45,503,288	$39,317,097	$921,242,904	$6,186,191
2019	$42,894,881	$36,802,960	$772,531,216	$6,091,921
2018	$40,724,172	$34,616,004	$714,248,010	$6,108,168

CREDIT UNION WEST