SACRAMENTO, CA
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Sign In — Free (10 views/day)SACRAMENTO CREDIT UNION, founded in 1935, is a mid-sized nonprofit in the Public & Societal Benefit sector that reported $39.3M in total revenue in fiscal year 2024. Revenue surged 35% from the prior year, signaling strong growth momentum. The organization ran a surplus of $9.5M, a strong 24% operating margin.
SACRAMENTO CREDIT UNION'S MISSION IS TO PROVIDE PROMPT, COMPETITIVE, QUALITY CONSUMER FINANCIAL SERVICES TO OUR MEMBERS IN A FRIENDLY, PROFESSIONAL, AND PRUDENT MANNER.
ESTABLISHED MARCH 18, 1935, SACRAMENTO CREDIT UNION (THE CREDIT UNION) IS INCORPORATED UNDER SECTION 14100 OF THE CREDIT UNION DIVISION OF THE STATE OF CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT...
ESTABLISHED MARCH 18, 1935, SACRAMENTO CREDIT UNION (THE CREDIT UNION) IS INCORPORATED UNDER SECTION 14100 OF THE CREDIT UNION DIVISION OF THE STATE OF CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT. THE CREDIT UNION IS A FEDERALLY INSURED COMMUNITY CREDIT UNION SERVING 28,838 MEMBERS ACROSS THE FOLLOWING COUNTIES: SACRAMENTO, EL DORADO, PLACER, SOLANO, SUTTER, YOLO, AND YUBA. COMPOSED OF INDIVIDUALS, CORPORATIONS, PARTNERSHIPS, AND OTHER LEGAL ENTITIES, THE CREDIT UNION MAINTAINS THE STANDARDS OF A TRADITIONAL MEMBER-OWNED COOPERATIVE WHILE PROVIDING SUPERIOR FINANCIAL SERVICES AT SEVEN LOCATIONS AS WELL AS CONVENIENT PAYMENT OPPORTUNITIES AFFORDED BY ONLINE BANKING, BILL PAY, MOBILE BANKING, POINT-OF-SALE, AND ATM TRANSACTIONS.
SACRAMENTO CREDIT UNION (THE CREDIT UNION) OFFERS A WIDE RANGE OF COMPETITIVELY PRICED CONSUMER LOAN PRODUCTS TO HELP MEMBERS WITH FINANCING FOR VEHICLES AND FIRST MORTGAGES. FINANCING IS ALSO...
SACRAMENTO CREDIT UNION (THE CREDIT UNION) OFFERS A WIDE RANGE OF COMPETITIVELY PRICED CONSUMER LOAN PRODUCTS TO HELP MEMBERS WITH FINANCING FOR VEHICLES AND FIRST MORTGAGES. FINANCING IS ALSO AVAILABLE IN THE FORM OF SECURED AND UNSECURED LINES OF CREDIT. REGARDING THE LATTER, THE CREDIT UNION OFFERS VISA PLATINUM CREDIT CARDS BOTH WITH AND WITHOUT THE POPULAR REWARDS FEATURE. THE CREDIT UNION ALSO OFFERS COMMERCIAL REAL ESTATE LOANS AND SBA LOANS.
SACRAMENTO CREDIT UNION OFFERS A BROAD RANGE OF DEPOSIT PRODUCTS TO ASSIST MEMBERS IN MANAGING CASH FLOW AND SAVING FOR THE FUTURE. INSURED TO AT LEAST $250,000 AND BACKED BY THE FULL FAITH AND...
SACRAMENTO CREDIT UNION OFFERS A BROAD RANGE OF DEPOSIT PRODUCTS TO ASSIST MEMBERS IN MANAGING CASH FLOW AND SAVING FOR THE FUTURE. INSURED TO AT LEAST $250,000 AND BACKED BY THE FULL FAITH AND CREDIT OF THE FEDERAL GOVERNMENT, SAVINGS OPPORTUNITIES INCLUDE THE FOLLOWING COMPETIVELY PRICED ACCOUNTS: REGULAR, VACATION CLUB, HOLIDAY, IRA, MONEY MARKET, REGULAR AND REWARDS CHECKING, AND CERTIFICATES OF DEPOSIT. SAVINGS IS MADE CONVENIENT VIA DIRECT DEPOSIT OF PAY CHECKS AS WELL AS ANY OTHER RECURRING SOURCE OF CASH INFLOW. THROUGH ONLINE, MOBILE OR TELEPHONE BANKING, MEMBERS CAN EASILY TRANSFER FUNDS BETWEEN SAVINGS ACCOUNTS OR MAKE PAYMENT ON LOANS. ALSO AVAILABLE ARE INVESTMENT SERVICES PROVIDED BY CERTIFIED IN-HOUSE FINANCIAL ADVISORS.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2024 | 2023 | Change | |
|---|---|---|---|
| Revenue | $39,334,366 | $29,216,353 | +0.3% |
| Expenses | $29,865,077 | $22,223,555 | +0.3% |
| Net Income | $9,469,289 | $6,992,798 | +0.4% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| ARON BREWER | SECRETARY/TREASURER | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| LES BROWN | CHAIR | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| JIM CULLETON | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| ROSS HUGGINS | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| HERMAN LI | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| JUDY MCGARRY | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| WILLIE SOUTHWARD III | VICE CHAIR | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| BHAVNESH MAKIN | PRESIDENT/CHIEF EXECUTIVE OFFICER | 40.00 |
Officer
|
$487,391 | $38,250 | $525,641 |
| GLENDA KAISER | CHIEF FINANCIAL OFFICER | 40.00 |
Officer
|
$228,515 | $36,003 | $264,518 |
| TARIK ELDIN | DIRECTOR INVESTMENT SERVICES | 40.00 |
Highest
|
$893,635 | $50,554 | $944,189 |
| MICHAEL HASTINGS | FINANCIAL ADVISOR | 40.00 |
Highest
|
$231,936 | $36,006 | $267,942 |
| JULIE SHEPHERD | VP LENDING | 40.00 |
Highest
|
$190,203 | $24,962 | $215,165 |
| KARL GOIN | VP MARKETING | 40.00 |
Highest
|
$168,384 | $19,588 | $187,972 |
| ALETHA HICKEY | VP HUMAN RESOURCES | 40.00 |
Highest
|
$153,649 | $16,530 | $170,179 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | $39,334,366 | $29,865,077 | $760,065,390 | $9,469,289 |
| 2023 | $29,216,353 | $22,223,555 | $806,115,615 | $6,992,798 |
| 2022 | $23,666,201 | $17,547,846 | $713,970,677 | $6,118,355 |
| 2021 | $22,206,265 | $16,421,053 | $686,832,962 | $5,785,212 |
| 2020 | $23,272,009 | $16,427,770 | $606,462,494 | $6,844,239 |
| 2019 | $22,005,987 | $15,046,369 | $498,944,488 | $6,959,618 |
| 2018 | $19,543,970 | $13,532,256 | $476,472,075 | $6,011,714 |
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