CALIFORNIA AGRIBUSINESS CREDIT UNION (EIN 950615747) - 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

1936

Legal Domicile

Principal Officer

ANGEL HERNANDEZ

Phone

7146904865

Tax Period

2023-01-01 to 2023-12-31

CALIFORNIA AGRIBUSINESS CREDIT UNION, founded in 1936, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2023. Revenue surged 22% from the prior year, signaling strong growth momentum. Expenses of $1.1M left a modest 4% surplus.

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%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $873,465

Investment Income $296,368

Other Revenue $0

TOTAL REVENUE $1,169,833

Expense Breakdown

Grants Paid $0

Salaries & Benefits $309,588

Fundraising Expenses $0

Other Expenses $816,705

TOTAL EXPENSES $1,126,293

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,169,833	$958,130	+0.2%
Expenses	$1,126,293	$1,033,068	+0.1%
Net Income	$43,540	$-74,938	-1.6%

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

$114,783

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DANIEL J MCCARREL	CHAIRPERSON	1.00	Director	$0	$0	$0
RICHARD MULLARD	VICE-CHAIRPERSON	1.00	Director	$0	$0	$0
JODI MARTIN	TREASURER	1.00	Director	$0	$0	$0
JAMES A TAYLOR	SECRETARY	1.00	Director	$0	$0	$0
YUMAN PIRZADA	BOARD MEMBER	1.00	Director	$0	$0	$0
MIGUEL CEA	BOARD MEMBER	1.00	Director	$0	$0	$0
JAMES M FLECKENSTEIN	BOARD MEMBER	1.00	Director	$0	$0	$0
VINAYAK VIJAYKUMAR	SUPERVISORY COMMITTEE MEMB	1.00	Director	$0	$0	$0
ANGEL HERNANDEZ	CEO	40.00	Officer	$101,000	$13,783	$114,783

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	$1,169,833	$1,126,293	$25,795,154	$43,540
2022	$958,130	$1,033,068	$27,127,087	$-74,938
2021	$925,717	$1,053,011	$28,713,674	$-127,294
2020	$1,090,650	$1,082,556	$27,830,146	$8,094
2019	$1,241,972	$1,189,463	$27,630,004	$52,509
2018	$1,223,354	$1,198,327	$27,502,011	$25,027

CALIFORNIA AGRIBUSINESS CREDIT UNION