LONG BEACH, CA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)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.
A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, I.L.W.U. CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.
WE PROVIDED AUTO LOANS AT COMPETITIVE RATES FOR OUR MEMBERS.
WE PROVIDED REAL ESTATE LOANS AT COMPETITIVE RATES FOR OUR MEMBERS.
WE PROVIDED REVOLVING LINES OF CREDIT AT COMPETITIVE RATES FOR OUR MEMBERS.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 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% |
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
Sign In| 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 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2018 | $16,210,365 | $13,029,841 | $266,080,850 | $3,180,524 |
Compare ILWU CREDIT UNION with other nonprofits in California and across the country.