San Francisco Bay Area Educators Credit Union (EIN 941521282) - 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

Victoria Fong

Phone

4156644313

Tax Period

2019-01-01 to 2019-12-31

San Francisco Bay Area Educators Credit Union, founded in 1955, is a small nonprofit that reported $655K in total revenue in fiscal year 2019. Expenses of $732K exceeded revenue, resulting in a 12% operating deficit.

Mission

Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of San Francisco Bay Area Educators 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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $377,068

Investment Income $197,303

Other Revenue $80,643

TOTAL REVENUE $655,014

Expense Breakdown

Grants Paid $0

Salaries & Benefits $193,194

Fundraising Expenses $0

Other Expenses $536,672

TOTAL EXPENSES $731,800

Year-over-Year Comparison

	2019	2018	Change
Revenue	$655,014	$673,251	0.0%
Expenses	$731,800	$686,916	+0.1%
Net Income	$-76,786	$-13,665	+4.6%

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

$103,050

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Victoria Fong	CEO	45.00	Officer	$98,850	$4,200	$103,050
Judith Grady	BD Director	2.00	Director	$0	$0	$0
Owen Raven	BD Vice Chairma	2.00	Director	$0	$0	$0
Steven Edwards	BD Chairman	2.00	Director	$0	$0	$0
Timothy Tindol	BD Treasurer	2.00	Director	$0	$0	$0
Emily Sparkle	BD Director	2.00	Director	$0	$0	$0
JoAnn Vail	Board Secretary	2.00	Director	$0	$0	$0
Robert Fesler	Board Director	2.00	Director	$0	$0	$0
Ken Grady	SC member	2.00	Director	$0	$0	$0
Linda Plack	SC member	2.00	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
2019	$655,014	$731,800	$17,187,697	$-76,786
2018	$673,251	$686,916	$18,205,802	$-13,665

San Francisco Bay Area Educators Credit Union