VENTURA, CA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)VENTURA COUNTY CREDIT UNION, founded in 1950, is a mid-sized nonprofit that reported $66.7M in total revenue in fiscal year 2023. Revenue surged 32% from the prior year, signaling strong growth momentum. The organization ran a surplus of $13.4M, a strong 20% operating margin.
VENTURA COUNTY CREDIT UNION IS 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, VENTURA COUNTY CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFIT, OR SERVICE OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.
FOR THE FOURTEENTH YEAR IN A ROW, VENTURA COUNTY CREDIT UNION WAS RECOGNIZED BY VC REPORTER AS THE BEST OF VENTURA COUNTY CREDIT UNION IN 2023. THE CREDIT UNION WAS ALSO VOTED AS VC STAR'S FAVORITE...
FOR THE FOURTEENTH YEAR IN A ROW, VENTURA COUNTY CREDIT UNION WAS RECOGNIZED BY VC REPORTER AS THE BEST OF VENTURA COUNTY CREDIT UNION IN 2023. THE CREDIT UNION WAS ALSO VOTED AS VC STAR'S FAVORITE OF COMMUNITY FOR CREDIT UNIONS.
VENTURA COUNTY CREDIT UNION CONTINUED ITS EXCEPTIONAL MEMBER EXPERIENCE BY EXPANDING ITS SERVICES TO INCLUDE SIMPLY CHECKING ACCOUNTS, GREEN LOANS FOR ELECTRIC VEHICLES, ELECTRIC BIKES, EFFICIENT...
VENTURA COUNTY CREDIT UNION CONTINUED ITS EXCEPTIONAL MEMBER EXPERIENCE BY EXPANDING ITS SERVICES TO INCLUDE SIMPLY CHECKING ACCOUNTS, GREEN LOANS FOR ELECTRIC VEHICLES, ELECTRIC BIKES, EFFICIENT APPLIANCES, AND SOLAR PANELS, EARLY PAY AND ITIN LENDING.
DURING 2023, VENTURA COUNTY CREDIT UNION ACHIEVED BANK ON CERTIFICATION FOR SIMPLY ESSENTIAL PRODUCT AND AWARDED THE FIRST SCHOLARSHIP TO CSUCI.
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)| 2023 | 2022 | Change | |
|---|---|---|---|
| Revenue | $66,662,060 | $50,312,368 | +0.3% |
| Expenses | $53,265,164 | $38,747,720 | +0.4% |
| Net Income | $13,396,896 | $11,564,648 | +0.2% |
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 |
|---|---|---|---|---|---|---|
| ROXANNE OSTREM | CHAIRPERSON | 3.00 |
Director
|
$11,661 | $0 | $11,661 |
| MARGO BYRNE | VICE CHAIRPERSON | 3.00 |
Director
|
$5,756 | $0 | $5,756 |
| SELFA SAUCEDO | SECRETARY | 2.00 |
Director
|
$5,739 | $0 | $5,739 |
| CORY MADDEN | TREASURER | 3.00 |
Director
|
$6,975 | $0 | $6,975 |
| SONIA AMEZCUA | BOARD MEMBER | 2.00 |
Director
|
$5,797 | $0 | $5,797 |
| SUE TATANGELO | BOARD MEMBER | 4.00 |
Director
|
$11,114 | $0 | $11,114 |
| TRIBBITT MARK | BOARD MEMBER | 1.00 |
Director
|
$6,248 | $0 | $6,248 |
| KENNETH KAGAN | SUPV CMTE CHAIR | 4.00 |
Director
|
$0 | $0 | $0 |
| BRENDA ALLISON | SUPV CMTE MEMBER | 2.00 |
Director
|
$3,086 | $0 | $3,086 |
| CHUNG CAM | SUPV CMTE MEMBER | 1.00 |
Director
|
$2,604 | $0 | $2,604 |
| SCOTT KOPALD | SUPV CMTE MEMBER | 2.00 |
Director
|
$0 | $0 | $0 |
| LINDA ROSSI | PRESIDENT/CEO | 40.00 |
Officer
|
$730,200 | $559,234 | $1,289,434 |
| GAVIN BRADLEY | COO | 40.00 |
Officer
|
$398,948 | $53,481 | $452,429 |
| LINDA SIM | CFO | 40.00 |
Officer
|
$425,183 | $54,288 | $479,471 |
| CHAD RITCHIE | CIO | 40.00 |
Officer
|
$364,847 | $47,145 | $411,992 |
| EDMOND SAHAKIAN | CLO | 40.00 |
Officer
|
$269,378 | $42,446 | $311,824 |
| BEVERLY ARMENDARIZ | VP, HUMAN RESOURCES | 40.00 |
Key Emp
|
$231,701 | $41,889 | $273,590 |
| APRIL REMNANT | VP, DELIVERY SYSTEMS | 40.00 |
Key Emp
|
$234,845 | $44,973 | $279,818 |
| CHRISTINA ESTES | VP, MARKETING | 40.00 |
Key Emp
|
$228,082 | $33,375 | $261,457 |
| JOHN COOKE | VP, LENDING | 40.00 |
Key Emp
|
$197,176 | $42,814 | $239,990 |
| DIANNE CLAPP | VP, RISK MANAGEMENT | 40.00 |
Key Emp
|
$185,416 | $20,105 | $205,521 |
| DAVID KANONGATAA | FINANCIAL ADVISOR | 40.00 |
Highest
|
$378,571 | $51,241 | $429,812 |
| GINA O'CALLAGHAN | FINANCIAL ADVISOR | 40.00 |
Highest
|
$353,428 | $16,712 | $370,140 |
| RODOLFO GUEVARA TORRES | AVP BUSINESS SERVICES | 40.00 |
Highest
|
$235,708 | $26,838 | $262,546 |
| SEAN MCCULLOCH | AVP COMMERCIAL LENDING | 40.00 |
Highest
|
$227,007 | $16,599 | $243,606 |
| REGINA COTTON | AVP MORTGAGE OPERATIONS | 40.00 |
Highest
|
$143,398 | $31,344 | $174,742 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | No data | No data | No data | No data |
| 2023 | $66,662,060 | $53,265,164 | $1,354,835,838 | $13,396,896 |
| 2022 | $50,312,368 | $38,747,720 | $1,285,662,841 | $11,564,648 |
| 2021 | $41,276,672 | $34,663,413 | $1,276,134,577 | $6,613,259 |
| 2020 | $44,564,146 | $40,216,537 | $1,114,149,062 | $4,347,609 |
| 2019 | $49,954,417 | $40,610,832 | $904,609,226 | $9,343,585 |
| 2018 | $47,412,183 | $39,463,738 | $862,256,443 | $7,948,445 |
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