SAN DIEGO COUNTY CREDIT UNION (EIN 951184903) - 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

1938

Legal Domicile

Principal Officer

TERESA CAMPBELL

Phone

8777322848

Tax Period

2023-01-01 to 2023-12-31

SAN DIEGO COUNTY CREDIT UNION, founded in 1938, is a major nonprofit that reported $447.7M in total revenue in fiscal year 2023. Revenue surged 36% from the prior year, signaling strong growth momentum. The organization ran a surplus of $90.3M, a strong 20% operating margin.

Mission

STATE-CHARTERED CREDIT UNION PROVIDING FINANCIAL SERVICES TO 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 $268,198,502

Investment Income $167,821,528

Other Revenue $11,659,649

TOTAL REVENUE $447,679,679

Expense Breakdown

Grants Paid $0

Salaries & Benefits $100,629,932

Fundraising Expenses $0

Other Expenses $256,769,604

TOTAL EXPENSES $357,399,536

Year-over-Year Comparison

	2023	2022	Change
Revenue	$447,679,679	$329,477,426	+0.4%
Expenses	$357,399,536	$231,277,617	+0.5%
Net Income	$90,280,143	$98,199,809	-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

1193

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

$5,626,160

Total Directors

$4,903,268

Key Employees

$5,971,139

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TERESA CAMPBELL	CEO & PRESIDENT	60.00	Officer Director	$3,100,634	$1,779,353	$4,879,987
ILAN AWERBUCH	DIRECTOR	2.00	Director	$530	$0	$530
HEATHER BENJAMIN	DIRECTOR	2.00	Director	$499	$0	$499
RICHARD COLLINS	DIRECTOR	2.00	Director	$264	$0	$264
ALFIE GONZAGA	DIRECTOR	2.00	Director	$573	$0	$573
CHRISTOPHER HART	DIRECTOR	2.00	Director	$3,771	$0	$3,771
PATRICIA HONEYCUTT	DIRECTOR	2.00	Director	$0	$0	$0
SHIRLEY JACKSON	DIRECTOR	2.00	Director	$0	$0	$0
LAURIE LEVENSON	DIRECTOR	2.00	Director	$991	$0	$991
STEVE REUEL	DIRECTOR	2.00	Director	$12,580	$0	$12,580
KEN VAN RIPER	DIRECTOR	2.00	Director	$4,073	$0	$4,073
VANESSA YBARRA DAVIS	DIRECTOR	2.00	Director	$0	$0	$0
AARON SATO	CFO & EXECUTIVE VICE PRESIDENT	60.00	Officer	$708,876	$37,297	$746,173
NATHAN SCHMIDT	EVP, CHIEF EXPERIENCE OFFICER	60.00	Key Emp	$824,508	$204,996	$1,029,504
CAROLYN KISSICK	EVP, ERM & CHIEF RISK OFFICE	60.00	Key Emp	$1,122,413	$178,650	$1,301,063
MICHAEL BRADSHAW	EVP, REAL ESTATE LENDING	60.00	Key Emp	$750,786	$46,363	$797,149
DAVID PERKINS	EVP, INFORMATION TECHNOLOGY	60.00	Key Emp	$595,519	$192,319	$787,838
RYAN LITTLE	EVP, CONSUMER LENDING	60.00	Key Emp	$657,750	$42,056	$699,806
SHEENA PEOPLES	EVP, OPERATIONS & CHIEF SALES	60.00	Key Emp	$518,319	$24,664	$542,983
LAUREN LAPPINGA	EVP, HUMAN RESOURCES	60.00	Key Emp	$550,379	$40,139	$590,518
CINDY LE	EVP, RETAIL	60.00	Key Emp	$211,388	$10,890	$222,278
DONALD JARRETT	SVP, REAL ESTATE	40.00	Highest	$352,969	$53,121	$406,090
SCOTT CARROLL	CHIEF TECHNOLOGY OFFICER	40.00	Highest	$397,864	$39,448	$437,312
SCOTT MAXWELL	SVP, CHIEF IT SECURITY OFFICER	40.00	Highest	$326,026	$39,544	$365,570
SUSAN FARGO	SVP, INVESTMENT & WEALTH	40.00	Highest	$293,719	$45,081	$338,800
BRADLEY BATES	SVP, INTERNAL AUDIT	40.00	Highest	$370,397	$30,912	$401,309
MICHELLE PAGNI	FORMER EVP, RETAIL	60.00		$865,316	$23,536	$888,852

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	$447,679,679	$357,399,536	$13,480,213,226	$90,280,143
2022	$329,477,426	$231,277,617	$11,238,527,302	$98,199,809
2021	$305,241,036	$204,797,185	$10,817,931,463	$100,443,851
2020	$311,815,699	$240,302,485	$9,693,856,295	$71,513,214
2019	$343,670,713	$250,260,659	$8,469,209,045	$93,410,054
2018	$332,650,465	$226,367,296	$8,150,276,552	$106,283,169

SAN DIEGO COUNTY CREDIT UNION