DOW GREAT WESTERN CREDIT UNION

EIN: 941417215

Antioch, CA

Total Revenue
$1,994,835
Total Expenses
$2,023,565
Total Assets
$47,413,211
Net Assets
$3,300,306
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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
1938
Legal Domicile
CA
Principal Officer
Paul Kramer
Phone
9253311010
Tax Period
2023-01-01 to 2023-12-31

DOW GREAT WESTERN CREDIT UNION, founded in 1938, is a community nonprofit that reported $2.0M in total revenue in fiscal year 2023. Revenue decreased 7% compared to the prior year.

Mission

Provides Thrift Savings & Borrowing for member owned financial institution. The credit union provides one overall activity; that being a financial cooperative providing thrift savings, borrowing and other financial services to our members/owners.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $1,701,187
Investment Income $234,292
Other Revenue $59,356
TOTAL REVENUE $1,994,835

Expense Breakdown

Grants Paid $0
Salaries & Benefits $766,042
Fundraising Expenses $0
Program Expenses $0
Other Expenses $1,257,523
TOTAL EXPENSES $2,023,565

Year-over-Year Comparison

2023 2022 Change
Revenue $1,994,835 $2,135,824 -0.1%
Expenses $2,023,565 $2,150,717 -0.1%
Net Income $-28,730 $-14,893 +0.9%
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
11
Independent Members
11
Employees
7
Volunteers
11

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
$276,142
Total Directors
8
$276,142
Key Employees
1
$276,142
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Paul Kramer CEO 40
Officer Director Key Emp Highest
$229,615 $46,527 $276,142
Steven McAdams Director 1
Director
$0 $0 $0
Art Solis Director 2
Director
$0 $0 $0
John Jacobson Director 1
Director
$0 $0 $0
Curtis Tong Director 2
Director
$0 $0 $0
Sally Siemak Director 1
Director
$0 $0 $0
Jeff Noyer Chairperson 4
Director
$0 $0 $0
David Parks Secretary 4
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 No data No data No data No data
2023 $1,994,835 $2,023,565 $47,413,211 $-28,730
2022 $2,135,824 $2,150,717 $51,207,764 $-14,893
2021 $1,813,405 $1,796,827 $56,104,925 $16,578
2020 $1,733,439 $1,960,329 $50,007,776 $-226,890
2019 $1,713,924 $1,611,565 $45,211,707 $102,359
2018 $1,627,383 $1,447,592 $45,208,736 $179,791
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