STOCKTON, CA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)CENTRAL STATE CREDIT UNION FKA CREDIT UNIONS IN THE STATE OF CA, founded in 1936, is a community nonprofit that reported $9.1M in total revenue in fiscal year 2023. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $8.2M left a modest 11% surplus.
CENTRAL STATE CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVING 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, CENTRAL STATE CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS OWN MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.
WE ARE IN BUSINESS TO LOAN FUNDS TO OUR MEMBERS AT LOW RATES. WE ARE A COMMUNITY-BASED CREDIT UNION SERVING OVER 15,000 MEMBERS.
MEMBERS CAN USE OUR ELECTRONIC SERVICES 24/7 THROUGH SEVERAL DELIVERY CHANNELS, INCLUDING HOME BANKING, BILL PAY AND ATM SERVICES.
WE HAVE AN ARRAY OF OTHER LOW COST OR NO COST SERVICES SUCH AS CHECKING ACCOUNTS, IRA ACCOUNTS AND OTHER FINANCIAL SERVICES.
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)| 2023 | 2022 | Change | |
|---|---|---|---|
| Revenue | $9,142,859 | $8,378,360 | +0.1% |
| Expenses | $8,178,851 | $6,984,054 | +0.2% |
| Net Income | $964,008 | $1,394,306 | -0.3% |
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 |
|---|---|---|---|---|---|---|
| LINDA FRONTZ | BOARD CHAIR | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| RICH GARCIA | VICE CHAIR | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| JAMES KIEFER | TREASURER | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| LORI OLSON | SECRETARY | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| EFRAIN AGUILAR | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| DOUG LINGO | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| STEVEN RUSSELL SR | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| SCOTT M WAITE | PRESIDENT AND CEO (THRU 4/4/23) | 40.00 |
Officer
|
$85,073 | $0 | $85,073 |
| ANNA LO | PRESIDENT AND CEO | 40.00 |
Officer
|
$85,185 | $0 | $85,185 |
| BAYARDO RAMIREZ | CHIEF OPERATIONS OFFICER | 40.00 |
Officer
|
$60,717 | $2,697 | $63,414 |
| THOMAS BROWN | CHIEF INFORMATION OFFICER | 40.00 |
Officer
|
$47,570 | $4,931 | $52,501 |
| PATRICIA MURARIK | VP OF OPERATIONS (THRU 8/25/23) | 40.00 |
Highest
|
$109,625 | $7,655 | $117,280 |
| BENGINO MAGDALENO THRU 82523 | VP OF INFORMATION SYSTEMS | 40.00 |
Highest
|
$112,483 | $12,861 | $125,344 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | No data | No data | No data | No data |
| 2023 | $9,142,859 | $8,178,851 | $228,943,528 | $964,008 |
| 2022 | $8,378,360 | $6,984,054 | $239,083,706 | $1,394,306 |
| 2021 | $7,219,372 | $6,380,443 | $247,800,145 | $838,929 |
| 2020 | $7,812,094 | $6,741,798 | $228,714,805 | $1,070,296 |
| 2019 | $9,632,589 | $7,803,590 | $201,115,851 | $1,828,999 |
| 2018 | $9,580,675 | $7,919,804 | $199,007,428 | $1,660,871 |
Compare CENTRAL STATE CREDIT UNION FKA CREDIT UNIONS IN THE STATE OF CA with other nonprofits in California and across the country.