Rolling F Credit Union (EIN 941568464) - 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

Phone

2096342911

Tax Period

2023-01-01 to 2023-12-31

Rolling F Credit Union, founded in 1958, is a community nonprofit that reported $2.1M in total revenue in fiscal year 2023. The organization ran a surplus of $416K, a strong 20% operating margin.

Mission

TO PROVIDE AFFORDABLE FINANCIAL SERVICES TO ITS MEMBERS, INCLUDING LOAN RELATIONSHIPS, DEPOSITORY SERVICES, AND DEBIT/CHECK CARDS, AT A CONVENIENT LOCATION AND STAFFED BY PROFESSIONALS WHO PROVIDE EXCELLENT SERVICE.

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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 $1,141,836

Investment Income $824,706

Other Revenue $147,020

TOTAL REVENUE $2,113,562

Expense Breakdown

Grants Paid $0

Salaries & Benefits $888,880

Fundraising Expenses $0

Other Expenses $594,341

TOTAL EXPENSES $1,697,872

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,113,562	$2,005,747	+0.1%
Expenses	$1,697,872	$1,799,379	-0.1%
Net Income	$415,690	$206,368	+1.0%

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

$368,604

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Steven Brown	CEO President	40.00	Officer	$124,493	$11,877	$136,370
Laura Reis	Sr. Loan Office	40.00	Officer	$82,635	$8,222	$90,857
Misti Brown	Operations Mgr.	40.00	Officer	$66,470	$6,556	$73,026
Laura Rasim	Member Service	40.00	Officer	$61,795	$6,556	$68,351
Karina Franco	Board Member	2.00	Director	$0	$0	$0
Jose Sabala	Board Member	2.00	Director	$0	$0	$0
Jessica Filbrun	Board Member	2.00	Director	$0	$0	$0
Chris Britton	Board Member	2.00	Director	$0	$0	$0
Robert Myers	Board Member	2.00	Director	$0	$0	$0
Sandra Seward	SC Member	2.00	Director	$0	$0	$0
Ivan Donayre	SC Member	2.00	Director	$0	$0	$0
Randy Icelow	CEO President	40.00	Officer	$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	No data	No data	No data	No data
2023	$2,113,562	$1,697,872	$66,744,599	$415,690
2022	$2,005,747	$1,799,379	$68,128,914	$206,368
2021	$1,573,709	$1,425,988	$66,581,477	$147,721
2020	$1,363,563	$1,229,751	$59,073,920	$133,812
2019	$1,446,149	$1,105,269	$49,147,328	$340,880
2018	$1,323,251	$1,082,318	$48,747,890	$240,933

Rolling F Credit Union