RADIO CAB CREDIT UNION

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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

1948

Legal Domicile

Principal Officer

MATTHEW ALDRETE

Phone

5032053350

Tax Period

2024-01-01 to 2024-12-31

RADIO CAB CREDIT UNION, founded in 1948, is a small nonprofit that reported $196K in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $174K left a modest 11% surplus.

Mission

ENABLE INDIVIDUALS TO PURCHASE & MAINTAIN THEIR BUSINESS AS RADIO CAB DRIVERS OR OWNERS

Program Service Accomplishments

Program 1

Expenses: $102,349

DIVIDENDS PAID OUT TO MEMBERS

Program 2

Expenses: $40,815

COMPENSATION FOR ONE FULL TIME EMPLOYEE AND ONE PART TIME EMPLOYEE, DOES NOT INCLUDE PAYROLL TAXES

Program 3

Expenses: $6,000

PROFESSIONAL AND OUTSIDE SERVICES

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $109,679

Other Revenue $86,778

TOTAL REVENUE $196,457

Expense Breakdown

Grants Paid $0

Salaries & Benefits $44,727

Fundraising Expenses $0

Program Expenses $149,164

Other Expenses $26,829

TOTAL EXPENSES $173,905

Year-over-Year Comparison

	2024	2023	Change
Revenue	$196,457	$170,778	+0.2%
Expenses	$173,905	$137,293	+0.3%
Net Income	$22,552	$33,485	-0.3%

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

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

$40,815

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Matthew Aldrete	GM	25	Key Emp Highest	$40,815	$0	$40,815
Rob Brower	Board Pres.	1	Director	$0	$0	$0
Ross Seeber	Board mbr	1	Director	$0	$0	$0
Stephen Entler	Board mbr	1	Director	$0	$0	$0
Kat Entler	Board VP	1	Director	$0	$0	$0
Wade Rogerson I	Board Member	1	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	$196,457	$173,905	$3,595,905	$22,552
2023	$170,778	$137,293	$3,391,708	$33,485
2022	$107,328	$92,336	$3,609,442	$14,992
2021	$89,200	$101,726	$3,806,586	$-12,526
2020	$119,395	$131,356	$3,848,783	$-11,961