ALTA VISTA CREDIT UNION (EIN 951442266) - 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

1943

Legal Domicile

Principal Officer

DAVID JUSTICE

Phone

9098093838

Tax Period

2023-01-01 to 2023-12-31

ALTA VISTA CREDIT UNION, founded in 1943, is a mid-sized nonprofit that reported $11.7M in total revenue in fiscal year 2023. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $11.0M left a modest 6% 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 $10,508,611

Investment Income $1,186,635

Other Revenue $0

TOTAL REVENUE $11,695,246

Expense Breakdown

Grants Paid $9,163

Salaries & Benefits $3,707,124

Fundraising Expenses $0

Other Expenses $7,310,610

TOTAL EXPENSES $11,026,897

Year-over-Year Comparison

	2023	2022	Change
Revenue	$11,695,246	$9,891,431	+0.2%
Expenses	$11,026,897	$8,627,321	+0.3%
Net Income	$668,349	$1,264,110	-0.5%

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

$717,043

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEPHANIE ORNELAS	CHAIRWOMAN	1.00	Director	$0	$0	$0
VINCENT LASTER	VICE-CHAIRMAN	1.00	Director	$0	$0	$0
CAMERON VALADEZ	TREASURER	1.00	Director	$0	$0	$0
GARY UNDERWOOD	SECRETARY	1.00	Director	$0	$0	$0
MICHAEL VAN LUVEN	DIRECTOR	1.00	Director	$0	$0	$0
GEORGE TONE	DIRECTOR	1.00	Director	$0	$0	$0
DAMON ALEXANDER	DIRECTOR	1.00	Director	$0	$0	$0
JACOB SPOOR	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT GEE	DIRECTOR	1.00	Director	$0	$0	$0
DAVID JUSTICE	CEO	40.00	Officer	$303,718	$26,235	$329,953
KANTI SARKER	CFO	40.00	Officer	$184,195	$33,053	$217,248
LORRAINE GONZALES	CAO	40.00	Officer	$160,477	$9,365	$169,842
WILLIAM HERNANDEZ	VP, LENDING	40.00	Highest	$182,679	$12,268	$194,947
JAMES DAWSON	VP, BRAND SERVICES	40.00	Highest	$159,537	$10,430	$169,967
ARACELI TORIBIO	CONTROLLER	40.00	Highest	$117,365	$13,623	$130,988
BRANDY MAEWEATHER	VP, MEMBER EXPERIENCE	40.00	Highest	$106,009	$6,964	$112,973
SADUDEE TISUTHIWONGSE	SR. FINANCIAL ANALYST	40.00	Highest	$102,850	$4,813	$107,663

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	$11,695,246	$11,026,897	$216,029,104	$668,349
2022	$9,891,431	$8,627,321	$232,172,374	$1,264,110
2021	$8,216,863	$7,309,216	$221,889,084	$907,647
2020	$8,906,187	$7,862,381	$212,292,003	$1,043,806
2019	$9,928,352	$9,466,955	$178,287,439	$461,397
2018	$9,340,065	$8,437,210	$164,961,223	$902,855

ALTA VISTA CREDIT UNION