LONG BEACH FIREMENS CREDIT UNION (EIN 950944725) - 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

Phone

5625970351

Tax Period

2025-01-01 to 2025-12-31

LONG BEACH FIREMENS CREDIT UNION, founded in 1936, is a community nonprofit that reported $7.7M in total revenue in fiscal year 2025. The organization ran a surplus of $3.4M, a strong 45% operating margin.

Mission

Non-profit, State Chartered Natural Person Credit Union. Provide competitive financial services to the members of Long Beach Firemen's Credit Union,most of whom are current or former employees of Long Beach Fire Department.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $5,441,132

Investment Income $2,251,279

Other Revenue $2,185

TOTAL REVENUE $7,694,596

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,028,274

Fundraising Expenses $0

Other Expenses $634,569

TOTAL EXPENSES $4,269,765

Year-over-Year Comparison

	2025	2024	Change
Revenue	$7,694,596	$7,271,174	+0.1%
Expenses	$4,269,765	$4,116,819	+0.0%
Net Income	$3,424,831	$3,154,355	+0.1%

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

$602,264

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Sandra Crane	CEO	40.00	Officer	$301,832	$15,002	$316,834
Victoria Ochoa	COO	40.00	Officer	$151,616	$7,491	$159,107
Sophep Fletcher	Lending Manager	40.00	Officer	$120,393	$5,930	$126,323
Mark Manor	Board Chairman	1.00	Director	$0	$0	$0
Paul Meisel	Director	1.00	Director	$0	$0	$0
Steve Garcia	Director	1.00	Director	$0	$0	$0
Ed Kuder	BD Vice-Chairma	1.00	Director	$0	$0	$0
Logan Bechtold	Director	1.00	Director	$0	$0	$0
John Fort	Director	1.00	Director	$0	$0	$0
William Fickling	BD Sec/Treas	1.00	Director	$0	$0	$0
Jack Crabtree	Supervisory Com	1.00	Director	$0	$0	$0
Joe Billish	Supervisory Com	1.00	Director	$0	$0	$0
Rolf Ward	Supervisory Com	1.00	Director	$0	$0	$0
Robert Moll	Director (Alt)	1.00	Director	$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
2025	$7,694,596	$4,269,765	$203,380,643	$3,424,831
2024	$7,271,174	$4,116,819	$204,960,807	$3,154,355
2023	$6,123,438	$3,458,593	$209,922,960	$2,664,845
2022	$5,044,456	$2,289,559	$229,779,468	$2,754,897
2021	$4,753,718	$2,374,497	$235,231,552	$2,379,221
2020	$5,897,275	$3,332,345	$219,421,014	$2,564,930
2019	$6,071,962	$3,602,398	$189,773,947	$2,469,564
2018	$5,620,067	$3,020,648	$186,484,224	$2,599,419

LONG BEACH FIREMENS CREDIT UNION