CASCADE CENTRAL CREDIT UNION (EIN 930513239) - 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

Principal Officer

Nancy Blanchette

Phone

5413879297

Tax Period

2020-01-01 to 2020-12-31

CASCADE CENTRAL CREDIT UNION, founded in 1961, is a community nonprofit that reported $2.4M in total revenue in fiscal year 2020. Revenue decreased 7% compared to the prior year. Expenses of $2.8M exceeded revenue, resulting in a 18% operating deficit.

Mission

CASCADE CENTRAL CREDIT UNION IS A STATE CHARTERED CREDIT UNION THAT ENCOURAGES SAVINGS, BORROWING RESPONSIBLY, AND PROVIDES A VARIETY OF SERVICES AT FAVORABLE RATES.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,997,964

Investment Income $371,075

Other Revenue $0

TOTAL REVENUE $2,369,039

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,250,942

Fundraising Expenses $0

Program Expenses $2,792,011

Other Expenses $1,541,069

TOTAL EXPENSES $2,792,011

Year-over-Year Comparison

	2020	2019	Change
Revenue	$2,369,039	$2,560,894	-0.1%
Expenses	$2,792,011	$1,643,437	+0.7%
Net Income	$-422,972	$917,457	-1.5%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Muriel Ishizaka	Board Chair	1	Director	$0	$0	$0
Tom McGowan	Secretary	1	Director	$0	$0	$0
Alisa Mooney	Board Member	1	Director	$0	$0	$0
Tom Fick	Treasurer	1	Director	$0	$0	$0
Kim Maddy	Board Member	1	Director	$0	$0	$0
Marta Simons	Vice Chair	1	Director	$0	$0	$0
Ed Drew	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
2020	$2,369,039	$2,792,011	$81,241,386	$-422,972
2019	$2,560,894	$1,643,437	$68,675,929	$917,457
2018	$2,356,952	$1,519,425	$68,567,131	$837,527

CASCADE CENTRAL CREDIT UNION