Matadors Community Credit Union (EIN 952276317) - 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

1963

Legal Domicile

Principal Officer

Melissa Broadwell

Phone

8189936328

Tax Period

2023-01-01 to 2023-12-31

Matadors Community Credit Union, founded in 1963, is a mid-sized nonprofit that reported $17.0M in total revenue in fiscal year 2023. Revenue surged 23% from the prior year, signaling strong growth momentum. Expenses of $14.8M left a modest 13% surplus.

Mission

Provide low-cost financial services, high yielding deposits and low-rate loans to a member-owned cooperative.

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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 $13,940,887

Investment Income $1,610,101

Other Revenue $1,441,337

TOTAL REVENUE $16,992,325

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,532,324

Fundraising Expenses $0

Other Expenses $4,787,560

TOTAL EXPENSES $14,772,571

Year-over-Year Comparison

	2023	2022	Change
Revenue	$16,992,325	$13,819,035	+0.2%
Expenses	$14,772,571	$10,927,552	+0.4%
Net Income	$2,219,754	$2,891,483	-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

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

$2,358,444

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Melissa Broadwell	President & CEO	50.00	Officer	$402,679	$7,337	$410,016
Steve Ruehlen	SVP Ops & IT	50.00	Officer	$341,554	$6,062	$347,616
Jeff Ballard	CFO/Senior VP F	50.00	Officer	$259,917	$4,738	$264,655
Nairi Gerovian	VP Lending	50.00	Officer	$231,790	$3,511	$235,301
Annie Kasbar	VP HR & Admin	50.00	Officer	$215,447	$3,933	$219,380
Hasmig Karagozian	Sr Programmer	50.00	Officer	$177,425	$822	$178,247
Sandra Fonseca	Asst VP of Oper	50.00	Officer	$165,467	$960	$166,427
Adriana Huerta	Compliance Mgr	50.00	Officer	$146,613	$1,200	$147,813
Andrew Parseghian	Project Manager	50.00	Officer	$133,979	$2,522	$136,501
Silvia Segura	Lending Mgr	50.00	Officer	$127,874	$2,529	$130,403
Joseph Cortez	Lead Loan Offic	50.00	Officer	$120,835	$1,250	$122,085
Stan Malin	Board Director	2.00	Director	$0	$0	$0
Kevin Breard	Board Director	2.00	Director	$0	$0	$0
Phil Minah	Board Treasurer	2.00	Director	$0	$0	$0
Cheryl Stoneham	Board ViceChair	2.00	Director	$0	$0	$0
John Khoukaz	Board Chair	2.00	Director	$0	$0	$0
Chuck Aghoian	Board Director	2.00	Director	$0	$0	$0
Steve Johnston	Board Director	2.00	Director	$0	$0	$0
Robert Stoneham	Board Secretary	2.00	Director	$0	$0	$0
Jacob Mathew	SC Vice Chair	2.00	Director	$0	$0	$0
Tracy Cluss	Board Director	2.00	Director	$0	$0	$0
Greg Bedrossian	SC member	2.00	Director	$0	$0	$0
Jennifer Patricio	SC Secretary	2.00	Director	$0	$0	$0
Hasmig Karagozian	Senior Programmer	42.00		$0	$0	$0
Oscar Acencio	Director of IT	45.00		$0	$0	$0
Adriana Huerta	Compliance Officer	45.00		$0	$0	$0
Sandra Fonseca	AVP Operations	45.00		$0	$0	$0
Joseph Cortez	Lead loan officer	45.00		$0	$0	$0
Silvia Segura	Loan manager	45.00		$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	$16,992,325	$14,772,571	$341,525,568	$2,219,754
2022	$13,819,035	$10,927,552	$341,073,352	$2,891,483
2021	$12,864,015	$10,070,137	$328,564,724	$2,793,878
2020	$13,082,117	$11,072,904	$302,316,983	$2,009,213
2019	$12,397,233	$10,222,855	$261,959,566	$2,174,378
2018	$10,949,606	$8,917,209	$249,344,326	$2,032,397

Matadors Community Credit Union