CALIFORNIA FRESH FRUIT ASSOCIATION

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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

1936

Legal Domicile

Principal Officer

CASEY CREAMER

Phone

5592266330

Tax Period

2025-03-01 to 2026-02-28

CALIFORNIA FRESH FRUIT ASSOCIATION, founded in 1936, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2025. Revenue decreased 6% compared to the prior year.

Mission

THE MISSION OF THE CALIFORNIA FRESH FRUIT ASSOCIATION IS TO IDENTIFY AND ADDRESS ISSUES THAT DIRECTLY IMPACT THE GRAPE AND TREE FRUIT INDUSTRIES AND TO FULFILL THE NEEDS OF ITS MEMBERSHIP WHILE MAINTAINING A VIABLE ORGANIZATION IN THIS ENDEAVOR.

Program Service Accomplishments

Program 1

THE CALIFORNIA FRESH FRUIT ASSOCIATION IS THE ONLY AGRICULTURAL TRADE ASSOCIATION IN CALIFORNIA THAT REPRESENTS THE TABLE GRAPE AND FRESH DECIDUOUS TREE FRUIT INDUSTRIES. SERVING AS A WATCHDOG FOR...

THE CALIFORNIA FRESH FRUIT ASSOCIATION IS THE ONLY AGRICULTURAL TRADE ASSOCIATION IN CALIFORNIA THAT REPRESENTS THE TABLE GRAPE AND FRESH DECIDUOUS TREE FRUIT INDUSTRIES. SERVING AS A WATCHDOG FOR THESE INDUSTRIES, THE ASSOCIATION HAS BEEN MONITORING AND ACTIVELY PARTICIPATING IN LEGISLATIVE, REGULATORY AND PUBLIC POLICY MATTERS. THE ASSOCIATION'S VOLUNTARY MEMBERSHIP IS COMPRISED OF APPROXIMATELY 350 GROWERS, SHIPPERS AND ASSOCIATED GROUPS FROM THROUGHOUT CALIFORNIA. A DIVERSE NUMBER OF PERISHABLE CROPS ARE REPRESENTED WITHIN THE MEMBERSHIP - PEACHES, APPLES, APRICOTS, PLUMS, CHERRIES, PEARS, FIGS, TABLE GRAPES, NECTARINES, KIWIFRUIT, QUINCE AND PERSIMMONS.

Program 2

TODAY'S ORGANIZATION, BASED IN FRESNO, CALIFORNIA, ADDRESSES MANY DIVERSE ISSUES THAT AFFECT CALIFORNIA AGRICULTURE, INCLUDING SUCH MATTERS AS ENVIRONMENTAL RESOURCES, FARM LABOR, MARKETING...

TODAY'S ORGANIZATION, BASED IN FRESNO, CALIFORNIA, ADDRESSES MANY DIVERSE ISSUES THAT AFFECT CALIFORNIA AGRICULTURE, INCLUDING SUCH MATTERS AS ENVIRONMENTAL RESOURCES, FARM LABOR, MARKETING, PACKAGING, PESTICIDES, STANDARDIZATION, TAXATION, TRADE, AND TRANSPORTATION.

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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 (2025)

Revenue Breakdown

Contributions & Grants $665,176

Program Service Revenue $1,162,211

Investment Income $40,706

Other Revenue $392,840

TOTAL REVENUE $2,260,933

Expense Breakdown

Grants Paid $0

Salaries & Benefits $809,614

Fundraising Expenses $0

Other Expenses $1,540,259

TOTAL EXPENSES $2,349,873

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,260,933	$2,397,384	-0.1%
Expenses	$2,349,873	$2,364,787	0.0%
Net Income	$-88,940	$32,597	-3.7%

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

N/A

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

$214,972

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RANDY GIUMARRA	DIRECTOR	0.00	Director	$0	$0	$0
MELISSA FRANK	CHAIRMAN	0.00	Officer Director	$0	$0	$0
LOUIS PANDOL	SEC/TREAS	0.00	Officer Director	$0	$0	$0
STEVE BISWELL	DIRECTOR	0.00	Director	$0	$0	$0
MIKE THURLOW	DIRECTOR	0.00	Director	$0	$0	$0
JACK CAMPBELL	DIRECTOR	0.00	Director	$0	$0	$0
JIM BEAGLE	DIRECTOR	0.00	Director	$0	$0	$0
VIRGINIA HEMLY CHHABRA	DIRECTOR	0.00	Director	$0	$0	$0
STEPHEN CERNIGLIA	DIRECTOR	0.00	Director	$0	$0	$0
JERRY DIBUDUO	DIRECTOR	0.00	Director	$0	$0	$0
RICHARD ELLIOT	DIRECTOR	0.00	Director	$0	$0	$0
ANDY MUXLOW	DIRECTOR	0.00	Director	$0	$0	$0
KYLE HACKETT	DIRECTOR	0.00	Director	$0	$0	$0
KEVIN HERMAN	DIRECTOR	0.00	Director	$0	$0	$0
CASEY JONES	FIRST VICE CHAIRMAN	0.00	Officer Director	$0	$0	$0
MIKE JACKSON	DIRECTOR	0.00	Director	$0	$0	$0
WAYDE KIRSCHENMAN	DIRECTOR	0.00	Director	$0	$0	$0
MICHAEL REIMER	DIRECTOR	0.00	Director	$0	$0	$0
HAROLD MCLCARTY	DIRECTOR	0.00	Director	$0	$0	$0
JUSTIN PARNAGIAN	DIRECTOR	0.00	Director	$0	$0	$0
PAT RICCHIUTI	DIRECTOR	0.00	Director	$0	$0	$0
ROPE EDDEY	DIRECTOR	0.00	Director	$0	$0	$0
KENT STEPHENS	DIRECTOR	0.00	Director	$0	$0	$0
RUSS TAVLAN	DIRECTOR	0.00	Director	$0	$0	$0
HANNA SCULLY	DIRECTOR	0.00	Director	$0	$0	$0
JOHN TOS	DIRECTOR	0.00	Director	$0	$0	$0
PAUL WILSON	DIRECTOR	0.00	Director	$0	$0	$0
JOHN D ZANINOVICH	DIRECTOR	0.00	Director	$0	$0	$0
JON P ZANINOVICH	DIRECTOR	0.00	Director	$0	$0	$0
MARKO S ZANINOVICH	DIRECTOR	0.00	Director	$0	$0	$0
MICKEY GEORGE	EX-OFFICIO	0.00	Director	$0	$0	$0
DANIEL HARTWIG	FORMER PRESIDENT	40.00	Officer	$165,825	$49,147	$214,972
CAROLINE STRINGER	EMPLOYEE	40.00	Highest	$139,100	$23,715	$162,815

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
2026	$2,260,933	$2,349,873	$2,017,447	$-88,940
2025	$2,397,384	$2,364,787	$2,072,891	$32,597
2024	$2,301,279	$2,381,964	$2,192,749	$-80,685
2023	$2,127,468	$2,387,833	$2,270,406	$-260,365
2022	$2,192,028	$2,101,367	$2,247,401	$90,661
2021	$2,092,752	$2,000,950	$1,954,851	$91,802
2020	$2,348,548	$2,236,414	$1,954,005	$112,134
2019	$2,217,871	$2,332,716	$1,911,105	$-114,845