CREDIT UNIONS IN THE STATE OF CALIFORNIA (EIN 941479200) - Form 990 Financial Analysis & Trantor Score

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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

1958

Legal Domicile

Principal Officer

Cecilia Heredia-Rocha

Phone

5102333218

Tax Period

2025-01-01 to 2025-12-31

CREDIT UNIONS IN THE STATE OF CALIFORNIA, founded in 1958, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2025. Revenue grew 18% year-over-year, indicating healthy expansion. The organization ran a surplus of $374K, a strong 29% operating margin.

Mission

To promote thrift honesty integrity business methods and the spirit of service among its members and engage in the primary business of a credit union.

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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 (2025)

Revenue Breakdown

Contributions & Grants $477,612

Program Service Revenue $624,873

Investment Income $175,806

Other Revenue $0

TOTAL REVENUE $1,278,291

Expense Breakdown

Grants Paid $0

Salaries & Benefits $488,492

Fundraising Expenses $0

Program Expenses $904,088

Other Expenses $415,596

TOTAL EXPENSES $904,088

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,278,291	$1,086,135	+0.2%
Expenses	$904,088	$980,941	-0.1%
Net Income	$374,203	$105,194	+2.6%

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

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

$132,292

Total Directors

Key Employees

$238,148

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Juventino L Sanchez	President BoD	2.00	Officer Director	$0	$0	$0
Sylvia Hopkins	Vice-President BoD	2.00	Officer Director	$0	$0	$0
Susan O'Sullivan	Secretary	2.00	Officer Director	$0	$0	$0
Rose Marie Castro	Member BoD	2.00	Officer Director	$0	$0	$0
Caitlin Suzannne Jones	Member BoD	2.00	Officer Director	$0	$0	$0
Ricardo Sainz	Member BoD	2.00	Officer Director	$0	$0	$0
Martin Paez	Member BoD	2.00	Officer Director	$0	$0	$0
Cecilia Heredia-Rocha	CEO	40.00	Officer Key Emp	$132,292	$0	$132,292
Maria Cristina Cereno Schaaf	CFO	40.00	Key Emp	$105,856	$0	$105,856

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	$1,278,291	$904,088	$13,171,082	$374,203
2024	$1,086,135	$980,941	$12,440,529	$105,194
2023	$880,781	$785,139	$12,641,732	$95,642
2022	$599,810	$494,255	$11,630,011	$105,555
2021	$504,245	$500,365	$12,027,528	$3,880
2020	$549,365	$593,905	$11,809,556	$-44,540

CREDIT UNIONS IN THE STATE OF CALIFORNIA