CENTRAL VALLEY FIREFIGHTERS CREDIT UNION (EIN 940489735) - 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

1935

Legal Domicile

Phone

5592281997

Tax Period

2023-01-01 to 2023-12-31

CENTRAL VALLEY FIREFIGHTERS CREDIT UNION, founded in 1935, is a community nonprofit that reported $2.0M in total revenue in fiscal year 2023. Revenue surged 39% from the prior year, signaling strong growth momentum. The organization ran a surplus of $351K, a strong 18% operating margin.

Mission

Non-profit, State Chartered Natural Person Credit Union. Provide competitive financial services to the members of Central Valley Firefighters Credit Union.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,167,585

Investment Income $632,395

Other Revenue $195,245

TOTAL REVENUE $1,995,225

Expense Breakdown

Grants Paid $0

Salaries & Benefits $541,819

Fundraising Expenses $0

Other Expenses $975,239

TOTAL EXPENSES $1,643,787

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,995,225	$1,430,701	+0.4%
Expenses	$1,643,787	$1,249,492	+0.3%
Net Income	$351,438	$181,209	+0.9%

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

$130,107

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EMILY MORTON	CEO	40.00	Officer	$130,107	$0	$130,107
SCOTT GRIFFITH	SC MEMBER	0.50	Director	$0	$0	$0
DONALD OCKEY	SC CHAIR	0.50	Director	$0	$0	$0
JOSEPH PILLON	Board Treasurer	0.50	Director	$0	$0	$0
Justin Hill	BOARD CHAIR	0.50	Director	$0	$0	$0
Josh Sellers	Board VP	0.50	Director	$0	$0	$0
KEOLA PARK	Board Chair	0.50	Director	$0	$0	$0
Devin McGuire	Board Secretary	0.00	Director	$0	$0	$0
Josh Gonzalez	SC MEMBER	0.00	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
2024	No data	No data	No data	No data
2023	$1,995,225	$1,643,787	$46,138,671	$351,438
2022	$1,430,701	$1,249,492	$47,446,174	$181,209
2021	$1,109,004	$1,083,975	$47,044,801	$25,029
2020	$1,289,703	$1,111,188	$43,188,399	$178,515
2019	$1,391,586	$1,233,838	$36,987,503	$157,748
2018	$1,178,581	$991,392	$37,036,503	$187,189

CENTRAL VALLEY FIREFIGHTERS CREDIT UNION