COAST CENTRAL CREDIT UNION

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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

1950

Legal Domicile

Principal Officer

FRED MOORE

Phone

7074458801

Tax Period

2023-01-01 to 2023-12-31

COAST CENTRAL CREDIT UNION, founded in 1950, is a mid-sized nonprofit that reported $85.3M in total revenue in fiscal year 2023. Revenue surged 28% from the prior year, signaling strong growth momentum. Expenses of $73.5M left a modest 14% surplus.

Mission

COAST CENTRAL CREDIT UNION'S MISSION IS TO BE THE PRIMARY FINANCIAL INSTITUTION FOR MEMBERS BY PROVIDING HIGH QUALITY FINANCIAL SERVICES AT COMPETITIVELY FAVORABLE RATES CONSISTENT WITH MAINTAINING FINANCIAL STRENGTH.

Program Service Accomplishments

Program 1

COAST CENTRAL CREDIT UNION PROVIDES A RANGE OF DEPOSIT SERVICES TO ITS APPROXIMATELY 77,000 MEMBERS. THESE INCLUDE SAVINGS, CHECKING, MONEY MARKET, AND SAVINGS CERTIFICATE ACCOUNTS. SERVICES CAN BE ACCESSED THROUGH OUR 11 MEMBER SERVICES BRANCHES, ONLINE, BY PHONE, OR THROUGH A LARGE NETWORK OF ATMS.

Program 2

COAST CENTRAL CREDIT UNION OFFERS MANY DIFFERENT LOAN PRODUCTS. THESE INCLUDE CREDIT CARDS, CONSUMER PERSONAL, AUTO, AND RV LOANS; REAL ESTATE PURCHASE, REFINANCE, AND HOME EQUITY LINES-OF-CREDIT...

COAST CENTRAL CREDIT UNION OFFERS MANY DIFFERENT LOAN PRODUCTS. THESE INCLUDE CREDIT CARDS, CONSUMER PERSONAL, AUTO, AND RV LOANS; REAL ESTATE PURCHASE, REFINANCE, AND HOME EQUITY LINES-OF-CREDIT; AND MEMBER BUSINESS LOANS. LOAN DECISIONS ARE MADE LOCALLY WITH KNOWLEDGE OF LOCAL CONDITIONS AND THE CREDIT UNION MEMBERS THEMSELVES.

Program 3

COAST CENTRAL CREDIT UNION IS ACTIVE IN SUPPORTING MANY LOCAL EVENTS AND CHARITIES. OVER $300,000 IS DONATED TO LOCAL CHARITABLE ORGANIZATIONS, COLLEGE SCHOLARSHIPS TO LOCAL HIGH SCHOOL GRADUATES...

COAST CENTRAL CREDIT UNION IS ACTIVE IN SUPPORTING MANY LOCAL EVENTS AND CHARITIES. OVER $300,000 IS DONATED TO LOCAL CHARITABLE ORGANIZATIONS, COLLEGE SCHOLARSHIPS TO LOCAL HIGH SCHOOL GRADUATES, AND COMMUNITY PROJECTS EACH YEAR.

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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 $53,747,329

Investment Income $31,526,190

Other Revenue $62,971

TOTAL REVENUE $85,336,490

Expense Breakdown

Grants Paid $357,500

Salaries & Benefits $24,041,199

Fundraising Expenses $0

Other Expenses $49,110,125

TOTAL EXPENSES $73,508,824

Year-over-Year Comparison

	2023	2022	Change
Revenue	$85,336,490	$66,591,892	+0.3%
Expenses	$73,508,824	$46,701,692	+0.6%
Net Income	$11,827,666	$19,890,200	-0.4%

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

320

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

$1,715,030

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES SESSA	PRESIDENT/CEO	40.00	Officer	$1,126,292	$76,487	$1,202,779
FRED MOORE	EVP/CFO	40.00	Officer	$451,072	$61,179	$512,251
ROBERT MOORE	VP/CHIEF CREDIT OFFICER	40.00	Highest	$350,475	$57,506	$407,981
ANN JADRO-BETTIGA	VP/HUMAN RESOURCES	40.00	Highest	$269,042	$67,402	$336,444
VAUGHN PETERSON	VP/INFORMATION SVCS	40.00	Highest	$295,110	$16,866	$311,976
KRISTIN KUXHAUSEN	VP/OPERATIONS	40.00	Highest	$260,989	$49,572	$310,561
JOHN GRACYALNY	VP/MEMBER DIGITAL SERVICES	40.00	Highest	$208,558	$48,173	$256,731
ROBIN BAILIE	FORMER SECRETARY	1.00	Officer Director	$0	$0	$0
LOUIS BUCHER	FORMER DIRECTOR	1.00	Director	$0	$0	$0
JOHN GLADDING	TREASURER	2.00	Officer Director	$0	$0	$0
REES HUGHES	DIRECTOR	1.00	Director	$0	$0	$0
DENISE JONES	VICE CHAIRPERSON	2.00	Officer Director	$0	$0	$0
BRENDAN MCKENNY	DIRECTOR	1.00	Director	$0	$0	$0
TERRY MEIERDING	DIRECTOR	1.00	Director	$0	$0	$0
PETER PENNEKAMP	FORMER DIRECTOR	1.00	Director	$0	$0	$0
RONALD RUDEBOCK	CHAIRPERSON	2.00	Officer Director	$0	$0	$0
KLARK SWAN	FORMER DIRECTOR	1.00	Director	$0	$0	$0
DANE VALADAO	DIRECTOR	1.00	Director	$0	$0	$0
MATT WAKEFIELD	DIRECTOR	1.00	Director	$0	$0	$0
KELLY WALSH	DIRECTOR/SECRETARY	1.00	Officer 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	$85,336,490	$73,508,824	$2,050,365,109	$11,827,666
2022	$66,591,892	$46,701,692	$2,039,204,894	$19,890,200
2021	$57,226,931	$43,960,025	$2,147,688,324	$13,266,906
2020	$57,794,276	$47,830,936	$1,936,596,371	$9,963,340
2019	$61,138,994	$46,671,998	$1,577,082,785	$14,466,996
2018	$55,325,565	$38,740,456	$1,473,051,481	$16,585,109