UNIVERSITY CREDIT UNION (EIN 951715669) - 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

1951

Legal Domicile

Principal Officer

SERGE RIZK

Phone

3104776628

Tax Period

2023-01-01 to 2023-12-31

UNIVERSITY CREDIT UNION, founded in 1951, is a mid-sized nonprofit that reported $60.5M in total revenue in fiscal year 2023. Revenue surged 35% from the prior year, signaling strong growth momentum. Expenses of $54.5M left a modest 10% surplus.

Mission

NON-PROFIT, STATE CHARTERED, NATURAL PERSON CREDIT UNION, PROVIDE COMPETITVE FINANCIAL SERVICES TO THE MEMBERS OF UNIVERSITY CREDIT UNION.

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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 $49,182,981

Investment Income $1,763,395

Other Revenue $9,576,347

TOTAL REVENUE $60,522,723

Expense Breakdown

Grants Paid $0

Salaries & Benefits $17,398,988

Fundraising Expenses $0

Other Expenses $28,485,531

TOTAL EXPENSES $54,474,803

Year-over-Year Comparison

	2023	2022	Change
Revenue	$60,522,723	$44,807,900	+0.4%
Expenses	$54,474,803	$37,544,143	+0.5%
Net Income	$6,047,920	$7,263,757	-0.2%

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

188

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

$4,485,466

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TUYO DAVID	President & CEO	40.00	Officer	$738,256	$19,800	$758,056
NAGAHASHI ESTELA	EVP & Chief Len	40.00	Officer	$392,477	$17,739	$410,216
RIZK SERGE	CFO	40.00	Officer	$359,220	$17,163	$376,383
SERCU STEVEN P	Chief Technolog	40.00	Officer	$342,274	$19,800	$362,074
DION CHEN TRISTAN	Chief Marketing	40.00	Officer	$270,271	$15,100	$285,371
McDaniel Cory	Chief Lending O	40.00	Officer	$261,866	$15,712	$277,578
Blackburn Pamela	Chief People Of	40.00	Officer	$252,356	$15,141	$267,497
Hendricks Mildred O	VP, Finance & A	40.00	Officer	$245,018	$14,725	$259,743
Chandra Ashish	VP, Information	40.00	Officer	$220,426	$13,315	$233,741
Meyer Diana	Chief Risk Offi	40.00	Officer	$214,699	$10,684	$225,383
MASSIH TONY	VP, Commercial	40.00	Officer	$199,421	$8,340	$207,761
ARAGON PATRICK J	VP of Technolog	40.00	Officer	$186,761	$7,225	$193,986
Deming Dominique	VP, Human Resou	40.00	Officer	$171,320	$10,705	$182,025
BURTON JULIA	VP Growth	40.00	Officer	$155,489	$9,492	$164,981
Sundaram Kalyana	Chief Informati	40.00	Officer	$136,696	$8,247	$144,943
EISENHARD MEGAN	Chief Growth Of	40.00	Officer	$129,395	$6,333	$135,728
LOWE PATRICIA	SC CHAIR	1.00	Director	$0	$0	$0
BURRILL PAMELA	SC Secretary	1.00	Director	$0	$0	$0
CHASE CHRISTINA	SC member	1.00	Director	$0	$0	$0
BALDWIN KEVIN	Director	1.00	Director	$0	$0	$0
HOWE LEA	Director	1.00	Director	$0	$0	$0
IADEVAIA NORMA	BOD Chair	1.00	Director	$0	$0	$0
DENNIS RAY	Director	1.00	Director	$0	$0	$0
ROOSA ALEXANDRA	Director	1.00	Director	$0	$0	$0
YOUNG KEITH	SECRETARY/TREAS	1.00	Director	$0	$0	$0
YZQUIERDO ELIZABETH	VICE CHAIR	1.00	Director	$0	$0	$0
YAMASHITA RICHARD	Director	1.00	Director	$0	$0	$0
PENA PHILOMEL	Director	1.00	Director	$0	$0	$0
Aragon Patrick J	AVP, Information Technology	80.00		$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
2024	No data	No data	No data	No data
2023	$60,522,723	$54,474,803	$1,165,726,881	$6,047,920
2022	$44,807,900	$37,544,143	$1,226,015,965	$7,263,757
2021	$33,672,841	$28,188,087	$1,047,100,792	$5,484,754
2020	$29,857,360	$25,954,446	$872,638,821	$3,902,914
2019	$28,983,428	$24,967,316	$739,871,151	$4,016,112
2018	$24,770,845	$19,704,645	$654,577,106	$5,066,200

UNIVERSITY CREDIT UNION