NATIONAL J A C L CREDIT UNION (EIN 870223814) - Form 990 Financial Analysis & Trantor Score

🔒

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

1943

Legal Domicile

Principal Officer

Dean Hirabayashi

Phone

8014245225

Tax Period

2024-01-01 to 2024-12-31

NATIONAL J A C L CREDIT UNION, founded in 1943, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2024. Revenue grew 17% year-over-year, indicating healthy expansion. Net assets of $3.8M represent 28 months of operating reserves.

Mission

Financial Services

🔒

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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,239,188

Investment Income $380,470

Other Revenue $10,505

TOTAL REVENUE $1,630,163

Expense Breakdown

Grants Paid $0

Salaries & Benefits $405,097

Fundraising Expenses $0

Program Expenses $0

Other Expenses $1,285,070

TOTAL EXPENSES $1,690,167

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,630,163	$1,394,724	+0.2%
Expenses	$1,690,167	$1,328,844	+0.3%
Net Income	$-60,004	$65,880	-1.9%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Charlie Brown	Director	1.0	Director	$0	$0	$0
Larry Grant	Director	1.0	Director	$0	$0	$0
Nathan Imamura	Director	1.0	Director	$0	$0	$0
Kevin Mukai	Director	1.0	Director	$0	$0	$0
Karen Okawa	Director	1.0	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
2024	$1,630,163	$1,690,167	$39,689,929	$-60,004
2023	$1,394,724	$1,328,844	$36,254,052	$65,880
2022	$1,263,737	$1,153,112	$38,958,025	$110,625
2021	$1,208,958	$1,179,482	$38,407,241	$29,476
2020	$1,142,430	$1,108,372	$34,860,967	$34,058
2019	$1,239,420	$1,090,131	$30,018,576	$149,289
2018	$1,100,560	$1,032,672	$31,920,280	$67,888

NATIONAL J A C L CREDIT UNION