CREDIT UNIONS IN THE STATE OF CALIF ORNIA (EIN 941175532) - 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

1939

Legal Domicile

Phone

9163861418

Tax Period

2024-01-01 to 2024-12-31

CREDIT UNIONS IN THE STATE OF CALIF ORNIA, founded in 1939, is a community nonprofit that reported $3.2M in total revenue in fiscal year 2024. Expenses of $2.8M left a modest 13% surplus.

Mission

California Community Credit Union is a non-profit financial cooperative that provides financial services for their members including savings and loans.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,717,890

Investment Income $1,353,630

Other Revenue $103,275

TOTAL REVENUE $3,174,795

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,128,324

Fundraising Expenses $0

Program Expenses $0

Other Expenses $1,638,058

TOTAL EXPENSES $2,766,382

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,174,795	$2,962,437	+0.1%
Expenses	$2,766,382	$2,474,693	+0.1%
Net Income	$408,413	$487,744	-0.2%

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

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

$122,220

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Marcy Cole-King	President CEO	35.00	Officer	$122,220	$0	$122,220
Donald Migge	Chairman	1.00	Director	$0	$0	$0
Norval Chan	Vice Chair	1.00	Director	$0	$0	$0
Trenton Fong	Security Officer	1.00	Director	$0	$0	$0
Kieran Begley	Secretary	1.00	Director	$0	$0	$0
Marylou Bailey	Treasurer	1.00	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
2025	No data	No data	No data	No data
2024	$3,174,795	$2,766,382	$79,378,975	$408,413
2023	$2,962,437	$2,474,693	$77,706,422	$487,744
2022	$2,153,082	$1,886,316	$80,901,232	$266,766
2021	$1,551,246	$1,601,637	$79,587,297	$-50,391
2020	$1,879,272	$1,896,629	$74,716,354	$-17,357
2019	$2,385,668	$2,001,995	$64,808,568	$383,673
2018	$2,209,785	$1,717,691	$63,039,129	$492,094

CREDIT UNIONS IN THE STATE OF CALIF ORNIA