CREDIT UNIONS IN THE STATE OF CALIFORNIA (EIN 941219581) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1950

Legal Domicile

Principal Officer

Patrick Redo

Phone

8315404627

Tax Period

2021-01-01 to 2021-12-31

CREDIT UNIONS IN THE STATE OF CALIFORNIA, founded in 1950, is a community nonprofit that reported $1.8M in total revenue in fiscal year 2021. Revenue decreased 11% compared to the prior year. Expenses of $1.5M left a modest 13% surplus.

Mission

allUS Credit Union is a non profit financial cooperative that provides financial services for our members including savings and loans. The mission of the credit union is to charge the least amount of interest on our loans and pay the highest yields on our deposits for our membership.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $1,354,530

Other Revenue $421,923

TOTAL REVENUE $1,776,453

Expense Breakdown

Grants Paid $0

Salaries & Benefits $576,569

Fundraising Expenses $0

Program Expenses $1,540,572

Other Expenses $964,003

TOTAL EXPENSES $1,540,572

Year-over-Year Comparison

	2021	2020	Change
Revenue	$1,776,453	$1,998,925	-0.1%
Expenses	$1,540,572	$1,932,205	-0.2%
Net Income	$235,881	$66,720	+2.5%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

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

Total Directors

Key Employees

$177,435

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Patrick Redo	CEO	40	Key Emp	$177,435	$0	$177,435
Robert Vanderslice	Director	2	Director	$0	$0	$0
Gary Giboney	Director	2	Director	$0	$0	$0
Craig Pakish	Secretary	2	Director	$0	$0	$0
Sue McCall	Treasurer	2	Director	$0	$0	$0
Juan Plascencia	Director	2	Director	$0	$0	$0
Larry Bussard	Director	2	Director	$0	$0	$0
Duane Wood	Director	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
2021	$1,776,453	$1,540,572	$51,890,689	$235,881
2020	$1,998,925	$1,932,205	$49,253,197	$66,720
2019	$2,145,339	$1,939,533	$43,955,654	$205,806
2018	$1,994,709	$1,694,539	$41,157,666	$300,170

CREDIT UNIONS IN THE STATE OF CALIFORNIA