HAYWARD, CA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)CREDIT UNIONS IN THE STATE OF CALIFORNIA, founded in 1953, is a community nonprofit that reported $4.8M in total revenue in fiscal year 2025. The organization ran a surplus of $1.1M, a strong 24% operating margin.
BAY CITIES CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, BAY CITIES CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.
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)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $4,762,312 | $4,579,969 | +0.0% |
| Expenses | $3,621,938 | $3,583,905 | +0.0% |
| Net Income | $1,140,374 | $996,064 | +0.1% |
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 |
|---|---|---|---|---|---|---|
| GEORGETTE MUNOZ | CEO | 40.00 |
Officer
|
$157,654 | $14,408 | $172,062 |
| NORMAN WEISBROD | Chairman | 1.00 |
Director
|
$0 | $0 | $0 |
| MARK MOSIER | Treasurer | 1.00 |
Director
|
$0 | $0 | $0 |
| EDWARD CARTER | Director | 1.00 |
Director
|
$0 | $0 | $0 |
| GREGORY MAILHO | Director | 1.00 |
Director
|
$0 | $0 | $0 |
| TRACY KELLY | Director | 1.00 |
Director
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $4,762,312 | $3,621,938 | $78,009,566 | $1,140,374 |
| 2024 | No data | No data | No data | No data |
| 2023 | $3,848,970 | $3,195,091 | $79,650,436 | $653,879 |
| 2022 | $2,783,364 | $2,941,000 | $85,779,594 | $-157,636 |
| 2021 | $2,487,917 | $2,802,398 | $87,751,739 | $-314,481 |
| 2020 | $2,996,917 | $3,078,533 | $84,226,050 | $-81,616 |
Compare CREDIT UNIONS IN THE STATE OF CALIFORNIA with other nonprofits in California and across the country.