Santa Rosa, CA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)North Bay Credit Union, founded in 1948, is a mid-sized nonprofit that reported $11.5M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $13.5M exceeded revenue, resulting in a 17% operating deficit.
North Bay Credit Union formerly, Sonoma County Grange Credit Union is a non-profit financial cooperative that provides financial services for their members including savings and loans.
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)| 2024 | 2023 | Change | |
|---|---|---|---|
| Revenue | $11,534,390 | $10,601,574 | +0.1% |
| Expenses | $13,506,153 | $10,654,283 | +0.3% |
| Net Income | $-1,971,763 | $-52,709 | +36.4% |
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 |
|---|---|---|---|---|---|---|
| Chris Call | CEO | 040.00 |
Key Emp
Highest
|
$349,917 | $0 | $349,917 |
| Robert Goebel | Chief Lending Officer | 040.00 |
Key Emp
|
$155,000 | $0 | $155,000 |
| Donna Gomes | Chief Compliance Officer | 040.00 |
Key Emp
|
$130,000 | $0 | $130,000 |
| Nadirah Rashadeen | Director of Payments | 040.00 |
Key Emp
|
$125,000 | $0 | $125,000 |
| Christopher Rose | Director of IT | 040.00 |
Key Emp
|
$115,000 | $0 | $115,000 |
| Tonya Dickeson | Controller | 040.00 |
Key Emp
|
$108,000 | $0 | $108,000 |
| Ned Davis | Board Member | 001.00 |
Director
|
$0 | $0 | $0 |
| Jeffrey Morgan | Board Member | 001.00 |
Director
|
$0 | $0 | $0 |
| Ned Davis | Board Member | 001.00 |
Director
|
$0 | $0 | $0 |
| Kathryn Safford | Board Member | 001.00 |
Director
|
$0 | $0 | $0 |
| Tami Reid | Board Member | 001.00 |
Director
|
$0 | $0 | $0 |
| Mara Gordon | Vice-Chair | 001.00 |
Director
|
$0 | $0 | $0 |
| Bob Muelrath | Board Member | 001.00 |
Director
|
$0 | $0 | $0 |
| Mike Tramontin | Chairman | 001.00 |
Director
|
$0 | $0 | $0 |
| Jeffrey Morgan | Treasurer | 001.00 |
Director
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | $11,534,390 | $13,506,153 | $117,149,595 | $-1,971,763 |
| 2023 | $10,601,574 | $10,654,283 | $120,937,575 | $-52,709 |
| 2022 | $10,151,971 | $9,690,023 | $112,855,513 | $461,948 |
| 2021 | $9,289,949 | $7,578,828 | $94,656,550 | $1,711,121 |
| 2020 | $8,377,114 | $6,708,436 | $87,526,165 | $1,668,678 |
| 2019 | $5,419,420 | $4,683,733 | $68,252,227 | $735,687 |
| 2018 | $2,641,251 | $2,417,008 | $55,302,208 | $224,243 |
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