ORANGE COUNTY'S CREDIT UNION (EIN 951797779) - 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

1938

Legal Domicile

Principal Officer

KATHY JUMPER

Phone

7147555900

Tax Period

2024-01-01 to 2024-12-31

ORANGE COUNTY'S CREDIT UNION, founded in 1938, is a major nonprofit that reported $143.7M in total revenue in fiscal year 2024. Revenue surged 21% from the prior year, signaling strong growth momentum. Expenses of $130.6M left a modest 9% surplus.

Mission

OUR MISSION IS TO MAINTAIN FINANCIAL STRENGTH IN ORDER TO PROVIDE CONVENIENT ACCESS, EXCEPTIONAL SERVICE, AND FINANCIAL SOLUTIONS TO MEET THE UNIQUE NEEDS OF OUR DIVERSE MEMBERSHIP AND COMMUNITIES.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $124,281,030

Investment Income $19,442,606

Other Revenue $0

TOTAL REVENUE $143,723,636

Expense Breakdown

Grants Paid $0

Salaries & Benefits $42,627,662

Fundraising Expenses $0

Other Expenses $87,981,805

TOTAL EXPENSES $130,609,467

Year-over-Year Comparison

	2024	2023	Change
Revenue	$143,723,636	$118,830,990	+0.2%
Expenses	$130,609,467	$104,417,804	+0.3%
Net Income	$13,114,169	$14,413,186	-0.1%

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

422

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

$1,410,464

Total Directors

Key Employees

$3,097,652

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHELLE AGUIRRE	DIRECTOR	1.00	Director	$0	$0	$0
VIKKI BEATLEY	VICE CHAIR	1.00	Officer Director	$0	$0	$0
GARY BURTON	CHAIR	1.00	Officer Director	$0	$0	$0
FRANK KIM	DIRECTOR	1.00	Director	$0	$0	$0
MARWAN KHALIFA	DIRECTOR	1.00	Director	$0	$0	$0
MAUREEN LI	DIRECTOR	1.00	Director	$0	$0	$0
COLEEN MONTELEONE	SECRETARY	1.00	Officer Director	$0	$0	$0
ANDY OFTELIE	DIRECTOR	1.00	Director	$0	$0	$0
BRENDA SHOTT	TREASURER	1.00	Officer Director	$0	$0	$0
JONATHAN NEBOT	CFO	40.00	Officer	$343,693	$112,410	$456,103
KATHY JUMPER	PRESIDENT/CEO	40.00	Officer	$915,419	$38,942	$954,361
ANGELA MORAN	CIO	40.00	Key Emp	$341,416	$187,719	$529,135
AMBER CISNEROS	FORMER CHIEF MEMBER EXPERIENCE OFFICER	40.00	Key Emp	$161,069	$18,040	$179,109
WARREN JEFFREY HARPER	CHIEF LOAN OFFICER	40.00	Key Emp	$350,969	$65,633	$416,602
CARLOS MIRAMONTEZ	SVP MORTGAGE LENDING	40.00	Key Emp	$314,308	$55,637	$369,945
DONALD CARAZO	SVP MEMBER SERVICE	40.00	Key Emp	$285,685	$61,196	$346,881
FABIANA BURKET	CHIEF RISK OFFICER	40.00	Key Emp	$334,666	$24,879	$359,545
BARB KROL	CHIEF ASSOCIATE EXPERIENCE OFFICER	40.00	Key Emp	$346,706	$230,609	$577,315
ARTHUR ARMAS	SVP BUSINESS SERVICES	40.00	Key Emp	$285,290	$33,830	$319,120
SHAUN SOUKENIK	INVESTMENT SERVICES FINANCIAL CONSULTING	40.00	Highest	$431,708	$34,465	$466,173
SEBASTIEN CARPENTIER	VP ENTERPRISE INFRASTRUCTURE & INFORMATION	40.00	Highest	$299,248	$35,833	$335,081
TONY MORRIS	VP MARKETING	40.00	Highest	$251,471	$56,204	$307,675
FADI MANSOUR	INVESTMENT SERVICES FINANCIAL CONSULTING	40.00	Highest	$257,911	$41,389	$299,300
RAY LAM	VP ENTERPRISE TECH SERVICE	40.00	Highest	$263,173	$10,505	$273,678

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	$143,723,636	$130,609,467	$2,736,467,420	$13,114,169
2023	$118,830,990	$104,417,804	$2,582,252,457	$14,413,186
2022	$94,251,015	$74,616,463	$2,496,034,278	$19,634,552
2021	$80,020,554	$66,942,145	$2,364,652,303	$13,078,409
2020	$81,608,158	$72,931,238	$2,156,208,156	$8,676,920
2019	$81,326,431	$72,049,889	$1,758,822,108	$9,276,542
2018	$78,535,988	$60,759,809	$1,618,759,275	$17,776,179

ORANGE COUNTY'S CREDIT UNION