CAHP CREDIT UNION

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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

1969

Legal Domicile

Principal Officer

AUDREY PAPPAS

Phone

9163624191

Tax Period

2023-01-01 to 2023-12-31

CAHP CREDIT UNION, founded in 1969, is a mid-sized nonprofit that reported $21.1M in total revenue in fiscal year 2023. Revenue surged 29% from the prior year, signaling strong growth momentum. Expenses of $18.1M left a modest 14% surplus.

Mission

CALIFORNIA STATE-CHARTERED CREDIT UNION SERVING LAW ENFORCEMENT AND PUBLIC SAFETY PERSONNEL AND THEIR FAMILIES BY PROVIDING SAFE, SOUND FINANCIAL SERVICES.

Program Service Accomplishments

Program 1

PROVIDE FINANCIAL, EDUCATIONAL AND OTHER SERVICES BENEFITTING PUBLIC SAFETY PROFESSIONALS. THERE ARE 21,347 MEMBERS, A MAJORITY OF WHICH ARE GOVERNMENT WORKERS AND THEIR FAMILIES.

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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 $20,282,892

Investment Income $828,457

Other Revenue $0

TOTAL REVENUE $21,111,349

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,112,456

Fundraising Expenses $0

Other Expenses $12,940,637

TOTAL EXPENSES $18,053,093

Year-over-Year Comparison

	2023	2022	Change
Revenue	$21,111,349	$16,407,458	+0.3%
Expenses	$18,053,093	$13,884,692	+0.3%
Net Income	$3,058,256	$2,522,766	+0.2%

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

$898,437

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAUL DURAN	CHAIRMAN	1.00	Officer Director	$0	$0	$0
TONY YBARRA	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
DAYLE PIPHER	SECRETARY	1.00	Officer Director	$0	$0	$0
ROBERT BELLI	DIRECTOR	1.00	Director	$0	$0	$0
KARI CLARK	DIRECTOR	1.00	Director	$0	$0	$0
KELLEY MOORE	DIRECTOR	1.00	Director	$0	$0	$0
JEFF TALBOTT	DIRECTOR	1.00	Director	$0	$0	$0
AUDREY PAPPAS	CEO/PRESIDENT	40.00	Officer	$311,967	$19,420	$331,387
KEVIN MYAS	COO	40.00	Officer	$300,000	$19,200	$319,200
DOUGLAS ROBIE	CFO	40.00	Officer	$231,250	$16,600	$247,850
NIKOLA DOKIC	BUSINESS ANALYST	40.00	Highest	$263,341	$8,045	$271,386
JILL ALVES	VICE PRESIDENT OF ACCOUNT	40.00	Highest	$255,831	$6,000	$261,831
DANIEL VAN ATTENHOVEN	OFFICER RELATIONS MANAGER	40.00	Highest	$164,387	$3,898	$168,285
LOGAN THOMPSON	OFFICER RELATIONS MANAGER	40.00	Highest	$159,072	$3,640	$162,712
ERIC RANSOM	ASSISTANT VP OPERATIONS	40.00	Highest	$154,476	$4,400	$158,876

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	$21,111,349	$18,053,093	$320,803,822	$3,058,256
2022	$16,407,458	$13,884,692	$298,460,919	$2,522,766
2021	$14,853,588	$13,163,281	$267,106,457	$1,690,307
2020	$14,074,492	$12,922,188	$247,820,370	$1,152,304
2019	$13,146,809	$12,205,785	$212,972,424	$941,024
2018	$12,824,624	$11,902,853	$200,571,112	$921,771