CALIFORNIA BEAR CREDIT UNION C/O CREDIT UNION OF SOUTHERN CALIFORNIA

EIN: 950598145

LOS ANGELES, CA

Total Revenue
$3,130,021
Total Expenses
$3,793,761
Total Assets
N/A
Net Assets
N/A
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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
1933
Legal Domicile
CA
Principal Officer
DANIEL A GRAFF
Phone
2138304111
Tax Period
2022-01-01 to 2022-09-30

CALIFORNIA BEAR CREDIT UNION C/O CREDIT UNION OF SOUTHERN CALIFORNIA, founded in 1933, is a community nonprofit that reported $3.1M in total revenue in fiscal year 2022. Revenue fell 31% from the prior year — a significant decline worth monitoring. Expenses of $3.8M exceeded revenue, resulting in a 21% operating deficit.

Mission

A COOPERATIVE ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS.

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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%)

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Financial Overview (2022)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $2,758,586
Investment Income $371,435
Other Revenue $0
TOTAL REVENUE $3,130,021

Expense Breakdown

Grants Paid $0
Salaries & Benefits $1,698,069
Fundraising Expenses $0
Other Expenses $2,095,692
TOTAL EXPENSES $3,793,761

Year-over-Year Comparison

2022 2021 Change
Revenue $3,130,021 $4,546,792 -0.3%
Expenses $3,793,761 $4,424,617 -0.1%
Net Income $-663,740 $122,175 -6.4%
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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Governance

Voting Members
6
Independent Members
6
Employees
20
Volunteers
11

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
3
$526,133
Total Directors
10
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
DOUGLAS FAILING CHAIRMAN OF THE BOARD 2.00
Director
$0 $0 $0
MARIA REYNOLDS-BROOKS BOARD VICE-CHAIRMAN 2.00
Director
$0 $0 $0
FERNANDO ROLDAN DIRECTOR 2.00
Director
$0 $0 $0
DIANE FOWLER DIRECTOR 2.00
Director
$0 $0 $0
EMANUEL OBIORA DIRECTOR 2.00
Director
$0 $0 $0
DEMETRIS TEAL DIRECTOR 2.00
Director
$0 $0 $0
MARTA ZARAGOZA SUPERVISORY COMMITTEE CHAI 2.00
Director
$0 $0 $0
STEVE BAUMAN SUPERVISORY COMMITTEE VICE 2.00
Director
$0 $0 $0
MARIA R PENILLA SUPERVISORY COMMITTEE MEMB 2.00
Director
$0 $0 $0
DELIA AVILA SUPERVISORY COMMITTEE MEMB 2.00
Director
$0 $0 $0
DANIEL GRAFF CEO 40.00
Officer
$199,728 $19,139 $218,867
WILLIAM HERNANDEZ CLO 40.00
Officer
$136,941 $5,471 $142,412
RANDY BUCK COCO 40.00
Officer
$134,304 $30,550 $164,854
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
2022 $3,130,021 $3,793,761 No data $-663,740
2021 $4,546,792 $4,424,617 $132,346,599 $122,175
2020 $4,914,803 $6,743,170 $122,691,721 $-1,828,367
2019 $5,420,371 $5,013,937 $113,588,904 $406,434
2018 $4,813,089 $4,583,687 $112,325,422 $229,402
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