REDDING, CA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)MEMBERS 1ST CREDIT UNION, founded in 1936, is a mid-sized nonprofit that reported $16.9M in total revenue in fiscal year 2025. The organization ran a surplus of $4.6M, a strong 27% operating margin.
A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT ANDSAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, MEMBERS 1ST CREDIT UNIONCONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICESOF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.
GENERAL SERVICE TO OUR MEMBERS: THE DELIVER CHANNELS INCLUDE FIVE BRANCH LOCATIONS WHERE STAFF ARE FULLY TRAINED AND AVAILABLE TO PROVIDE SERVICES RELATED TO LOAN AND DEPOSIT TRANSACTIONS. ALL...
GENERAL SERVICE TO OUR MEMBERS: THE DELIVER CHANNELS INCLUDE FIVE BRANCH LOCATIONS WHERE STAFF ARE FULLY TRAINED AND AVAILABLE TO PROVIDE SERVICES RELATED TO LOAN AND DEPOSIT TRANSACTIONS. ALL BRANCHES INCLUDE ATM ACCESS. A FINANCIAL PLANNER IS AVAILABLE TO ADVISE MEMBERS AT NO CHARGE. THE CREDIT UNION SERVICES APPROXIMATELY 24,000 MEMBERS. THE CORPORATE OFFICE HOUSES A CALL CENTER, WEBSITE STAFF, AND OTHER KEY EMPLOYEES WHOSE JOBS REVOLVE AROUND KEEPING THE CREDIT UNION OPERATIONS SAFE AND SECURE. THE CREDIT UNION STRIVES TO BE GREAT VALUE TO ITS MEMBERS. PRODUCTS ARE COMPETITIVELY PRICED AND MANY TRANSACTIONS CAN BE CONDUCTED ON THE CREDIT UNION'S WEBSITE OR MOBILE APP 24 HOURS PER DAY, 7 DAYS PER WEEK.
LENDING PROGRAM: MEMBERS 1ST CREDIT UNION FIRST BEGAN LENDING TO ITS MEMBERS IN 1936. WE HAVE A SUCCESSFUL TRACK RECORD OF HELPING COMMUNITY MEMBERS ESTABLISH CREDIT. WE PROVIDE AUTO, MORTGAGES...
LENDING PROGRAM: MEMBERS 1ST CREDIT UNION FIRST BEGAN LENDING TO ITS MEMBERS IN 1936. WE HAVE A SUCCESSFUL TRACK RECORD OF HELPING COMMUNITY MEMBERS ESTABLISH CREDIT. WE PROVIDE AUTO, MORTGAGES, PERSONAL LOANS AND CREDIT CARDS OFFERED AT COMPETITIVE RATES. EXPENSES ASSOCIATED WITH LENDING INCLUDE STAFF MEMBERS AND OTHER COST GENERALLY ASSOCIATED WITH OPERATING AN OFFICE. M1CU RECEIVED A CDFI GRANT THAT WAS USED AS INCOME TO OFFSET LOAN LOSSES IN 2025.
DEPOSIT SERVICES: EXTENDING COMPETITIVE SAVINGS RATES TO OUR MEMBERS ENABLES THE CREDIT UNION TO GROW, REWARD SAVERS, HAVE ACCESSIBLE FUNDS TO LEND TO BORROWERS, AND FULFILL OUR COOPERATIVE MISSION...
DEPOSIT SERVICES: EXTENDING COMPETITIVE SAVINGS RATES TO OUR MEMBERS ENABLES THE CREDIT UNION TO GROW, REWARD SAVERS, HAVE ACCESSIBLE FUNDS TO LEND TO BORROWERS, AND FULFILL OUR COOPERATIVE MISSION. MULTIPLE TYPES OF INDIVIDUAL RETIREMENT ACCOUNTS ARE OFFERED TO SERVE THE MEMBERSHIP INTO THE FUTURE.
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)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $16,945,604 | $17,076,694 | 0.0% |
| Expenses | $12,373,832 | $13,695,108 | -0.1% |
| Net Income | $4,571,772 | $3,381,586 | +0.4% |
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 |
|---|---|---|---|---|---|---|
| KENNETH REED | BOARD CHAIR | 1.00 |
Director
|
$0 | $0 | $0 |
| SHARON O'QUIN | BOARD VICE CHAIR | 1.00 |
Director
|
$0 | $0 | $0 |
| KARINA LAPP | BOARD TREASURER & SECRETARY | 1.00 |
Director
|
$0 | $0 | $0 |
| ALLEN FELSENTHAL | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| GRIFFITH TONKIN | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| JASON MONTAGUE | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| RILEY BRESLIN | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| JAMES WILSON | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| ERIC WOODSTROM | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| SCOTT BADGER | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| BLAKE WERNER | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| BRYAN FRASER | SUPERVISORY COMMITTEE CHAIR | 1.00 |
Director
|
$0 | $0 | $0 |
| STEVE CLARK | SUPERVISORY COMMITTEE MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| AMANDA DEOCAMPO | SUPERVISORY COMMITTEE MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| CAROLINE REDMANN | CEO/PRESIDENT | 40.00 |
Officer
|
$297,982 | $31,731 | $329,713 |
| AARON PITROFF | VP OF LENDING | 40.00 |
Key Emp
|
$152,565 | $20,042 | $172,607 |
| NOEL STRATTON | VP OF IT | 40.00 |
Highest
|
$134,668 | $5,971 | $140,639 |
| JOSHUA MARKLE | VP OF MARKETING/HR | 40.00 |
Highest
|
$132,125 | $7,777 | $139,902 |
| MEGAN LITTLER | VP OF OPERATIIONS | 40.00 |
Highest
|
$128,381 | $5,044 | $133,425 |
| MICHAEL HANICH | INDIRECT LOAN MANAGER | 40.00 |
Highest
|
$110,905 | $5,854 | $116,759 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $16,945,604 | $12,373,832 | No data | $4,571,772 |
| 2024 | $17,076,694 | $13,695,108 | $340,724,621 | $3,381,586 |
| 2023 | $14,755,196 | $11,999,082 | $317,741,113 | $2,756,114 |
| 2022 | $12,578,808 | $10,309,174 | $328,864,768 | $2,269,634 |
| 2021 | $10,925,251 | $9,029,091 | $307,109,045 | $1,896,160 |
| 2020 | $10,530,549 | $8,590,863 | $274,338,047 | $1,939,686 |
| 2019 | $10,283,143 | $8,281,570 | $230,584,598 | $2,001,573 |
Compare MEMBERS 1ST CREDIT UNION with other nonprofits in California and across the country.