CREDIT UNIONS IN THE STATE OF CALIFORNIA

EIN: 940837475

Fresno, CA

Total Revenue
$8,659,432
Total Expenses
$7,693,336
Total Assets
$178,531,951
Net Assets
$26,407,658
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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
1934
Legal Domicile
CA
Principal Officer
Marc Bradford
Phone
5592305080
Tax Period
2025-01-01 to 2025-12-31

CREDIT UNIONS IN THE STATE OF CALIFORNIA, founded in 1934, is a community nonprofit that reported $8.7M in total revenue in fiscal year 2025. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $7.7M left a modest 11% surplus.

Mission

To assist employees and retirees of Pacific Gas and Electric in bettering their personal and financial lives by providing them access to financial products at industry leading rates and terms.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $115,828
Program Service Revenue $6,306,456
Investment Income $2,237,148
Other Revenue $0
TOTAL REVENUE $8,659,432

Expense Breakdown

Grants Paid $0
Salaries & Benefits $1,059,446
Fundraising Expenses $0
Program Expenses $7,693,336
Other Expenses $6,633,890
TOTAL EXPENSES $7,693,336

Year-over-Year Comparison

2025 2024 Change
Revenue $8,659,432 $7,632,705 +0.1%
Expenses $7,693,336 $7,188,874 +0.1%
Net Income $966,096 $443,831 +1.2%
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

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Governance

Voting Members
9
Independent Members
9
Employees
6
Volunteers
14

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
2
$345,976
Total Directors
9
$0
Key Employees
0
$0
Highest Compensated
2
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Marc Bradford CEO 55
Officer Highest
$233,006 $0 $233,006
Sandee Creager COO 40
Officer Highest
$112,970 $0 $112,970
Jeff Adolph Treasurer 2
Director
$0 $0 $0
Shannon Koontz-Moniz Director 2
Director
$0 $0 $0
Pheng Ly Director 2
Director
$0 $0 $0
Greg Parker Director 2
Director
$0 $0 $0
Sue Regalado Secretary 2
Director
$0 $0 $0
Anna Brooks Director 2
Director
$0 $0 $0
Mauricio Morquecho Director 2
Director
$0 $0 $0
Natalie Clark Vice President 2
Director
$0 $0 $0
Annette Robbins President 2
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
2025 $8,659,432 $7,693,336 $178,531,951 $966,096
2024 $7,632,705 $7,188,874 $173,190,285 $443,831
2023 $6,186,394 $6,136,601 $171,107,970 $49,793
2022 $4,131,780 $4,629,864 $155,011,234 $-498,084
2021 $3,828,443 $3,285,656 $152,500,081 $542,787
2020 $4,391,395 $3,303,128 $147,783,767 $1,088,267
2019 $4,735,066 $4,075,897 $143,656,859 $659,169
2018 $4,500,053 $3,972,411 $141,843,747 $527,642
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