ILWU CREDIT UNION (EIN 951786417) - 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

1972

Legal Domicile

Principal Officer

RALPH RUIZ

Phone

3108346411

Tax Period

2018-01-01 to 2018-12-31

ILWU CREDIT UNION, founded in 1972, is a mid-sized nonprofit that reported $16.2M in total revenue in fiscal year 2018. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $3.2M, a strong 20% operating margin.

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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $14,200,343

Investment Income $792,299

Other Revenue $1,217,723

TOTAL REVENUE $16,210,365

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,842,409

Fundraising Expenses $0

Other Expenses $8,187,432

TOTAL EXPENSES $13,029,841

Year-over-Year Comparison

	2018	2017	Change
Revenue	$16,210,365	$14,856,741	+0.1%
Expenses	$13,029,841	$12,642,773	+0.0%
Net Income	$3,180,524	$2,213,968	+0.4%

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

$1,159,026

Total Directors

$328,116

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PETER CIARAMITARO	CHAIRMAN	1.00	Director	$0	$0	$0
ROBERT BROOKS	VICE CHAIRMAN	1.00	Director	$3,094	$0	$3,094
VICTOR GALLARDO	SECRETARY	1.00	Director	$0	$0	$0
LEWIS WRIGHT	BOARD MEMBER	1.00	Director	$5,305	$0	$5,305
DAN IMBAGLIAZZO	BOARD MEMBER	1.00	Director	$0	$0	$0
CURTIS CARTER	BOARD MEMBER	1.00	Director	$5,025	$0	$5,025
ARMANDO PORRAS	SUPV CMTE. CHAIRMAN	1.00	Director	$2,656	$0	$2,656
JAMES HAUKE	SUPV CMTE. MEMBER	1.00	Director	$2,810	$0	$2,810
DANIEL MIRANDA	SUPV CMTE. MEMBER	1.00	Director	$0	$0	$0
RALPH RUIZ	PRESIDENT & CEO	40.00	Officer Director	$262,759	$46,467	$309,226
KIMBERLY THOMAS	EXECUTIVE VICE PRESIDENT	40.00	Officer	$100,714	$25,450	$126,164
PETER KOEPPEN	VP OF LENDING	40.00	Officer	$131,230	$38,577	$169,807
M ROD JACOBS	VP OF TECHNOLOGY	40.00	Officer	$145,000	$38,358	$183,358
ROBERT YORK	VP OF MARKETING	40.00	Officer	$130,000	$29,484	$159,484
DEVRIC THOMAS	VP OF FINANCE	40.00	Officer	$135,377	$12,017	$147,394
KIMBERLY MATHIS	VP OF OPERATIONS	40.00	Officer	$61,923	$1,670	$63,593

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
2018	$16,210,365	$13,029,841	$266,080,850	$3,180,524

ILWU CREDIT UNION