CALIFORNIA CREDIT UNION (EIN 950951410) - 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

1939

Legal Domicile

Principal Officer

STEVEN O'CONNELL

Phone

8182915522

Tax Period

2024-01-01 to 2024-12-31

CALIFORNIA CREDIT UNION, founded in 1939, is a major nonprofit that reported $243.6M in total revenue in fiscal year 2024. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $223.3M left a modest 8% 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $175,044,055

Investment Income $54,513,308

Other Revenue $13,996,937

TOTAL REVENUE $243,554,300

Expense Breakdown

Grants Paid $123,409

Salaries & Benefits $64,331,687

Fundraising Expenses $0

Other Expenses $158,839,449

TOTAL EXPENSES $223,294,545

Year-over-Year Comparison

	2024	2023	Change
Revenue	$243,554,300	$204,850,638	+0.2%
Expenses	$223,294,545	$184,990,439	+0.2%
Net Income	$20,259,755	$19,860,199	+0.0%

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

629

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

$4,633,619

Total Directors

$6,218

Key Employees

$3,972,936

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WALTON GREENE	CHAIRMAN	1.00	Director	$0	$0	$0
PAMELA FEES	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
REBECCA COLLIER	BOARD SECRETARY	1.00	Director	$0	$0	$0
JEFF STONE	BOARD TREASURER	1.00	Director	$0	$0	$0
JAMES DOYLE FORMER	BOARD MEMBER	1.00	Director	$0	$0	$0
VICTOR HANSON	BOARD MEMBER	1.00	Director	$2,144	$0	$2,144
TED FUJIMOTO	BOARD MEMBER	1.00	Director	$0	$0	$0
SURVIVA MENDOZA FORMER	BOARD MEMBER	1.00	Director	$0	$0	$0
FREDRIC NIGRO FORMER	BOARD MEMBER	1.00	Director	$0	$0	$0
EMMANUEL OLAES	BOARD MEMBER	1.00	Director	$731	$0	$731
MARCIA WADE	BOARD MEMBER	1.00	Director	$0	$0	$0
JANALYN GLYMPH	SUPERVISORY COMMITTEE CHAIR	1.00	Director	$838	$0	$838
WILLIAM KALEY	SUPERVISORY COMMITTEE SECRETARY	1.00	Director	$0	$0	$0
GUILBERT HENTSCHKE	SUPERVISORY COMMITTEE MEMBER	1.00	Director	$0	$0	$0
ROGER MCTIGHE	SUPERVISORY COMMITTEE MEMBER	1.00	Director	$0	$0	$0
SCOTT J SVONKIN	SUPERVISORY COMMITTEE MEMBER	1.00	Director	$2,505	$0	$2,505
STEVEN O'CONNELL	PRESIDENT, CEO	40.00	Officer	$1,130,594	$60,821	$1,191,415
MARK LOVEWELL	EVP, CFO AND PRESIDENT OF CUSO OPS	40.00	Officer	$658,064	$82,745	$740,809
ROBERT O'GRADY	EVP, CHIEF OPERATING OFFICER	40.00	Officer	$812,969	$48,127	$861,096
HUDSON LEE	EVP, CHIEF RISK OFFICER	40.00	Officer	$568,463	$52,127	$620,590
JOHN BRETTHAUER	EVP, CHIEF ADMINISTRATIVE OFFICER	40.00	Officer	$556,775	$60,821	$617,596
RICHARD HUBENY	EVP, CHIEF LENDING OFFICER	40.00	Officer	$521,962	$80,151	$602,113
DIANE MADISON-JAMMAL	SVP, CHIEF INNOVATION OFFICER	40.00	Key Emp	$1,050,617	$43,700	$1,094,317
PATRICK ZARIFIAN	SVP, CHIEF EXPERIENCE OFFICER	40.00	Key Emp	$437,357	$60,821	$498,178
JILL VASANT	SVP, CHIEF MARKETING OFFICER	40.00	Key Emp	$385,033	$55,893	$440,926
CHARLES LACUESTA	SVP, CHIEF INFORMATION OFFICER	40.00	Key Emp	$373,778	$30,750	$404,528
MARVEL FORD	SVP, CHIEF ADVOCACY OFFICER	40.00	Key Emp	$328,785	$31,966	$360,751
JASON PUGH	SVP, REAL ESTATE LENDING	40.00	Key Emp	$287,959	$46,370	$334,329
KIMBERLY SMITH	SVP, CONSUMER LENDING	40.00	Key Emp	$264,959	$10,227	$275,186
BLANCA DONAHUE	SVP, OPERATIONS	40.00	Key Emp	$241,218	$43,882	$285,100
AMADA MORALES	SVP, HUMAN RESOURCES	40.00	Key Emp	$239,031	$40,590	$279,621
IRMA A JIMENEZ	VP, MORTGAGE LOAN OFFICER	40.00	Highest	$946,115	$55,895	$1,002,010
KEVIN ANDREW WITOWICH	FINANCIAL ADVISOR	40.00	Highest	$668,265	$54,555	$722,820
CARLO ALBERT BOTON	FINANCIAL ADVISOR	40.00	Highest	$490,888	$18,862	$509,750
SAM NOP	VP, CONTROLLER	40.00	Highest	$388,226	$43,579	$431,805
BRIAN JAMES VENN	VP, PROGRAM MANAGER	40.00	Highest	$371,748	$60,836	$432,584

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	$243,554,300	$223,294,545	$5,046,381,674	$20,259,755
2023	$204,850,638	$184,990,439	$4,876,733,268	$19,860,199
2022	$152,708,557	$129,286,444	$4,561,740,327	$23,422,113
2021	$164,391,792	$124,229,218	$4,290,889,688	$40,162,574
2020	$144,885,317	$140,425,127	$3,815,429,375	$4,460,190
2019	$155,942,457	$124,317,978	$3,190,811,816	$31,624,479
2018	$142,976,572	$120,627,874	$3,086,714,883	$22,348,698

CALIFORNIA CREDIT UNION