CREDIT UNIONS IN THE STATE OF CALIFORNIA SIERRA CENTRAL CREDIT UNION (EIN 941484851) - 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

1955

Legal Domicile

Principal Officer

RONALD SWEENEY

Phone

8002227228

Tax Period

2023-01-01 to 2023-12-31

CREDIT UNIONS IN THE STATE OF CALIFORNIA SIERRA CENTRAL CREDIT UNION, founded in 1955, is a mid-sized nonprofit that reported $66.4M in total revenue in fiscal year 2023. Revenue surged 24% from the prior year, signaling strong growth momentum. Net assets of $137.7M represent 25 months of operating reserves.

Mission

AS YOUR FINANCIAL INSTITUTION, WE PLEDGE TO SERVE YOU AND OUR COMMUNITY FAITHFULLY. WE WILL BE FRIENDLY, HELPFUL, AND PROFESSIONAL, AND WE WILL PROVIDE GREAT PRODUCTS AND COMPETITIVE RATES.

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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 $57,643,256

Investment Income $8,708,688

Other Revenue $10,607

TOTAL REVENUE $66,362,551

Expense Breakdown

Grants Paid $20,000

Salaries & Benefits $18,988,254

Fundraising Expenses $0

Other Expenses $47,148,418

TOTAL EXPENSES $66,156,672

Year-over-Year Comparison

	2023	2022	Change
Revenue	$66,362,551	$53,335,034	+0.2%
Expenses	$66,156,672	$51,215,362	+0.3%
Net Income	$205,879	$2,119,672	-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

Governance

Voting Members

Independent Members

Employees

294

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

$1,022,742

Total Directors

Key Employees

$1,196,213

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEVIN BARBER	DIRECTOR	2.00	Director	$0	$0	$0
TIB BELZA	CHAIRMAN	2.00	Officer Director	$0	$0	$0
TONY GAYLEAN	VICE CHAIRMAN	2.00	Officer Director	$0	$0	$0
BALDEV JOHAL	DIRECTOR	2.00	Director	$0	$0	$0
DIANE MEYERS	TREASURER	2.00	Officer Director	$0	$0	$0
DAN MIERZWA	DIRECTOR	2.00	Director	$0	$0	$0
SEAN MINARD	SECRETARY	2.00	Officer Director	$0	$0	$0
STEPHANIE DICKINSON	CFO, SVP FINANCE	40.00	Officer	$292,529	$39,770	$332,299
RON SWEENEY	CEO	40.00	Officer	$658,405	$32,038	$690,443
MICHAEL CARTOSCELLI	CRO, SVP RETAIL BANKING	40.00	Key Emp	$261,363	$34,406	$295,769
STEVE HENDERSON	CIO, SVP ISIT & FACILITIES	40.00	Key Emp	$305,170	$29,658	$334,828
BARBARA MENEFEE	CAO, SVP ADMINISTRATION	40.00	Key Emp	$271,469	$28,647	$300,116
ERNEST MARTIN	CLO, SVP LENDING	40.00	Key Emp	$233,096	$32,404	$265,500
DAVID BUMPUS	BUSINESS DEVELOPMENT MANAGER	40.00	Highest	$183,710	$23,763	$207,473
SARA HODGE	VP CONTROLLER	40.00	Highest	$160,002	$21,857	$181,859
HEATHER PAXTON	BUSINESS DEVELOPMENT MANAGER	40.00	Highest	$176,357	$28,935	$205,292
WALTER MEYER	VP COMMERCIAL LENDING	40.00	Highest	$171,651	$15,433	$187,084
KATHLEEN STEINER	VP ISIT	40.00	Highest	$191,959	$17,278	$209,237

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	$66,362,551	$66,156,672	$1,469,289,526	$205,879
2022	$53,335,034	$51,215,362	$1,505,152,952	$2,119,672
2021	$51,784,136	$41,088,217	$1,450,440,549	$10,695,919
2020	$52,945,093	$43,606,209	$1,305,531,617	$9,338,884
2019	$55,380,704	$44,338,647	$1,138,801,437	$11,042,057
2018	$48,600,194	$38,868,105	$1,115,563,517	$9,732,089

CREDIT UNIONS IN THE STATE OF CALIFORNIA SIERRA CENTRAL CREDIT UNION