PLEASANTON, CA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)1ST UNITED CREDIT UNION, founded in 1932, is a mid-sized nonprofit that reported $60.5M in total revenue in fiscal year 2024. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $52.7M left a modest 13% surplus.
AT 1ST UNITED CREDIT UNION, WE ARE KNOWN IN THE COMMUNITY FOR OUR FINANCIAL EDUCATION PROGRAM. THE CREDIT UNION OFFERS FINANCIAL EDUCATION AND FRAUD PREVENTION SEMINARS ON-SITE AT LOCAL SCHOOLS AND OTHER COMMUNITY MEETING PLACES, AND SELF-STUDY MATERIALS ON OUR WEBSITE AT 1STUNITEDCU.ORG.
1ST UNITED CREDIT UNION OFFERS A COMPREHENSIVE PORTFOLIO OF SAVINGS AND LOAN PRODUCTS FOR MEMBERS. 1ST UNITED'S PRODUCTS ARE AN EXCELLENT VALUE, COMPETITIVELY PRICED AND EASY TO PURCHASE. ALL OF OUR...
1ST UNITED CREDIT UNION OFFERS A COMPREHENSIVE PORTFOLIO OF SAVINGS AND LOAN PRODUCTS FOR MEMBERS. 1ST UNITED'S PRODUCTS ARE AN EXCELLENT VALUE, COMPETITIVELY PRICED AND EASY TO PURCHASE. ALL OF OUR PRODUCTS ARE AVAILABLE TO MEMBERS THROUGH OUR EXTENSIVE BRANCH NETWORK, VIA OUR MEMBER SERVICES CALL CENTER OR ONLINE AT 1STUNITEDCU.ORG.
1ST UNITED CREDIT UNION OFFERS FINANCIAL PLANNING AND INVESTMENT SERVICES FOR OUR MEMBERS. THESE SERVICES ARE AVAILABLE TO ALL MEMBERS OF THE CREDIT UNION AND ARE DELIVERED THROUGH OASIS INVESTMENT...
1ST UNITED CREDIT UNION OFFERS FINANCIAL PLANNING AND INVESTMENT SERVICES FOR OUR MEMBERS. THESE SERVICES ARE AVAILABLE TO ALL MEMBERS OF THE CREDIT UNION AND ARE DELIVERED THROUGH OASIS INVESTMENT, INC., A REGISTERED BROKER-DEALER.
AT 1ST UNITED CREDIT UNION, WE ARE KNOWN IN THE COMMUNITY FOR OUR FINANCIAL EDUCATION PROGRAMS. THE CREDIT UNION OFFERS FINANCIAL EDUCATION AND FRAUD PREVENTION SEMINARS ON-SITE AT LOCAL SCHOOLS AND...
AT 1ST UNITED CREDIT UNION, WE ARE KNOWN IN THE COMMUNITY FOR OUR FINANCIAL EDUCATION PROGRAMS. THE CREDIT UNION OFFERS FINANCIAL EDUCATION AND FRAUD PREVENTION SEMINARS ON-SITE AT LOCAL SCHOOLS AND OTHER COMMUNITY MEETING PLACES, AND SELF-STUDY MATERIALS ON OUR WEBSITE AT 1STUNITEDCU.ORG.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2024 | 2023 | Change | |
|---|---|---|---|
| Revenue | $60,536,741 | $51,170,118 | +0.2% |
| Expenses | $52,689,454 | $46,369,301 | +0.1% |
| Net Income | $7,847,287 | $4,800,817 | +0.6% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| KEVIN POWERS | BOD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| DAVE MACDONALD | CHAIRPERSON | 2.00 |
Director
|
$0 | $0 | $0 |
| STEVE MANNING | VICE CHAIRPERSON | 1.00 |
Director
|
$8,098 | $0 | $8,098 |
| HOWARD GARRIGAN | BOD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| PATRICK O'CONNELL | BOD MEMBER | 1.00 |
Director
|
$7,563 | $0 | $7,563 |
| VELETA SAVANNAH | BOD MEMBER | 1.00 |
Director
|
$10,305 | $0 | $10,305 |
| CYRIL BONANNO | SECRETARY | 1.00 |
Director
|
$13,344 | $0 | $13,344 |
| TERESITA LAUIGAN | TREASURER | 1.00 |
Director
|
$3,887 | $0 | $3,887 |
| JOAN JOHNSON | BOD MEMBER | 1.00 |
Director
|
$6,082 | $0 | $6,082 |
| STEPHEN STONE | CEO | 40.00 |
Officer
|
$620,594 | $34,759 | $655,353 |
| GANGA RADHAKRISHNAN | CFO | 40.00 |
Officer
|
$291,571 | $20,206 | $311,777 |
| TOSHA EAGLES-WILLIAMS | CLO | 40.00 |
Officer
|
$294,897 | $30,967 | $325,864 |
| JOANNA UHL | CIO | 40.00 |
Officer
|
$272,053 | $45,835 | $317,888 |
| LYNELL FRALEY | CHRO | 40.00 |
Officer
|
$136,886 | $14,421 | $151,307 |
| DERRICK FORTIER | CRO | 40.00 |
Officer
|
$266,531 | $51,688 | $318,219 |
| VERONICA RODRIGUEZ | CHRO | 40.00 |
Officer
|
$160,062 | $8,949 | $169,011 |
| CHARLENE A ALMERIA | VP FINANCE & ACCOUNTING | 40.00 |
Key Emp
|
$193,616 | $32,620 | $226,236 |
| SARAH CECCHIN | SVP MARKETING & COMMUNICATIONS | 40.00 |
Key Emp
|
$193,983 | $38,069 | $232,052 |
| CHRISTOPHER FOX | VP ENTERPRISE APPLICATIONS | 40.00 |
Key Emp
|
$190,298 | $16,188 | $206,486 |
| JAMES SANTIAGO | VP IT | 40.00 |
Key Emp
|
$186,040 | $24,357 | $210,397 |
| SHERYON HILL-SAVAGE | VP ASSET RECOVERY | 40.00 |
Key Emp
|
$170,409 | $22,613 | $193,022 |
| GOLDMAN LEE | VP RETAIL SALES & EXPERIENCE | 40.00 |
Key Emp
|
$162,080 | $42,892 | $204,972 |
| JEANNIE SUGAOKA | VP COMPLIANCE AND RISK MANAGEMENT | 40.00 |
Key Emp
|
$164,664 | $19,722 | $184,386 |
| LYNN DIGNON | DIRECTOR OF PROJECT MANAGEMENT | 40.00 |
Highest
|
$165,061 | $43,039 | $208,100 |
| WILFREDO DELA CRUZ | VP LENDING | 40.00 |
Highest
|
$150,678 | $30,982 | $181,660 |
| STEVEN J SCHIRO | DIRECTOR OF DEVELOPMENT | 40.00 |
Highest
|
$175,172 | $22,887 | $198,059 |
| BERNADETTE OSORIO | VP INDIRECT LENDING | 40.00 |
Highest
|
$147,158 | $41,937 | $189,095 |
| MIKIKO HIRUTA | VP HUMAN RESOURCES | 40.00 |
Highest
|
$159,068 | $21,811 | $180,879 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | $60,536,741 | $52,689,454 | $1,212,275,788 | $7,847,287 |
| 2023 | $51,170,118 | $46,369,301 | $1,224,510,759 | $4,800,817 |
| 2022 | $44,843,842 | $37,181,605 | $1,277,603,441 | $7,662,237 |
| 2021 | $40,373,728 | $36,441,116 | $1,288,886,913 | $3,932,612 |
| 2020 | $43,404,232 | $42,213,757 | $1,262,958,555 | $1,190,475 |
| 2019 | $48,333,779 | $42,785,361 | $1,121,694,517 | $5,548,418 |
| 2018 | $46,043,645 | $38,831,131 | $1,067,473,396 | $7,212,514 |
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