VISION ONE CREDIT UNION (EIN 941433814) - 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

1951

Legal Domicile

Phone

9163634293

Tax Period

2024-01-01 to 2024-12-31

VISION ONE CREDIT UNION, founded in 1951, is a community nonprofit that reported $4.8M in total revenue in fiscal year 2024. Expenses of $4.5M left a modest 5% surplus.

Mission

NON-PROFIT, STATE CHARTERED, NATURAL PERSON CREDIT UNION, PROVIDE COMPETITIVE FINANCIAL SERVICES TO THE MEMBERS OF VISION ONE CREDIT UNION.

🔒

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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,502,354

Investment Income $688,607

Other Revenue $569,446

TOTAL REVENUE $4,760,407

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,809,287

Fundraising Expenses $0

Other Expenses $1,156,056

TOTAL EXPENSES $4,521,480

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,760,407	$4,552,429	+0.0%
Expenses	$4,521,480	$4,079,913	+0.1%
Net Income	$238,927	$472,516	-0.5%

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

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

$1,354,614

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT SCHULTZ	CEO/PRESIDENT	50.00	Officer	$509,555	$0	$509,555
KENNETH FERREIRA	CCO/EVP	50.00	Officer	$312,130	$17,103	$329,233
DEANNA MIYATA	CFO/SVP	50.00	Officer	$239,814	$13,323	$253,137
Theresa Diltz	VP Loan Admin	40.00	Officer	$128,063	$7,534	$135,597
Lika Sertic	VP/Deposit Ops	40.00	Officer	$120,327	$6,765	$127,092
A NICK GUITIERREZ	BOARD CHAIRMAN	1.00	Director	$0	$0	$0
FRED GUARCELLO	BOARD SEC	1.00	Director	$0	$0	$0
TOMAS WING	BOARD TREASURER	1.00	Director	$0	$0	$0
EDWARD ANDERSEN	BOARD VICE CHAI	1.00	Director	$0	$0	$0
John Okamoto	SC SECRETARY	1.00	Director	$0	$0	$0
Samantha Combs	SC MEMBER	1.00	Director	$0	$0	$0
David Plevyak	SC CHAIRMAN	1.00	Director	$0	$0	$0
KENNETH FERREIRA	CCO/EVP	50.00		$0	$0	$0
DEANNA MIYATA	CFO/SVP	50.00		$0	$0	$0
Theresa Diltz	VP/Loan Administra	40.00		$0	$0	$0
LIKA SERTIC	VP/Deposit Operati	40.00		$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	$4,760,407	$4,521,480	$92,893,445	$238,927
2023	$4,552,429	$4,079,913	$94,899,742	$472,516
2022	$3,970,179	$3,484,081	$92,776,654	$486,098
2021	$4,286,982	$3,403,943	$91,156,949	$883,039
2020	$4,094,119	$3,731,111	$88,992,582	$363,008
2019	$4,650,357	$3,848,115	$86,387,756	$802,242
2018	$4,363,629	$3,608,978	$88,067,066	$754,651

VISION ONE CREDIT UNION