CREDIT UNIONS IN THE STATE OF ARIZONA

EIN: 860182659

Phoenix, AZ

Total Revenue
$2,304,309
Total Expenses
$2,248,564
Total Assets
$31,191,900
Net Assets
$2,956,227
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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
1955
Legal Domicile
AZ
Principal Officer
Edward Moraga
Phone
6022465120
Tax Period
2024-01-01 to 2024-12-31

CREDIT UNIONS IN THE STATE OF ARIZONA, founded in 1955, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2024.

Mission

Encourage thrift among credit union members, create a source of credit at a fair rate of interest, and provide opportunity for members to improve their economic condition.

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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%)

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Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $2,130,165
Investment Income $174,144
Other Revenue $0
TOTAL REVENUE $2,304,309

Expense Breakdown

Grants Paid $0
Salaries & Benefits $916,399
Fundraising Expenses $0
Program Expenses $0
Other Expenses $1,332,165
TOTAL EXPENSES $2,248,564

Year-over-Year Comparison

2024 2023 Change
Revenue $2,304,309 $2,228,053 +0.0%
Expenses $2,248,564 $2,158,611 +0.0%
Net Income $55,745 $69,442 -0.2%
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

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Governance

Voting Members
6
Independent Members
N/A
Employees
19
Volunteers
6

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
5
$118,712
Total Directors
6
$0
Key Employees
1
$118,712
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Edward Moraga President/CEO 50
Officer Key Emp Highest
$118,712 $0 $118,712
Deborah Hallahan Chairman 2
Officer Director
$0 $0 $0
Jesse Linderman Treasurer 1
Officer Director
$0 $0 $0
Norma Pacheco Director 1
Director
$0 $0 $0
Carlos Guiterrez Vice-Chairman 1
Officer Director
$0 $0 $0
Cathy Poplin Director 1
Director
$0 $0 $0
Jacqueline Espinoza Secretary 1
Officer 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 No data No data No data No data
2024 $2,304,309 $2,248,564 $31,191,900 $55,745
2023 $2,228,053 $2,158,611 $31,010,785 $69,442
2022 $2,191,882 $1,974,218 $35,147,805 $217,664
2021 $2,024,917 $1,850,112 $33,763,039 $174,805
2020 $2,147,961 $1,994,281 $29,722,631 $153,680
2019 $2,198,526 $2,011,136 $26,645,234 $187,390
2018 $1,951,970 $1,896,570 $24,942,550 $55,400
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