USC CREDIT UNION (EIN 954110181) - 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

1973

Legal Domicile

Principal Officer

GARY PEREZ

Phone

2138217128

Tax Period

2023-07-01 to 2024-06-30

USC CREDIT UNION, founded in 1973, is a mid-sized nonprofit that reported $36.2M in total revenue in fiscal year 2023. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $32.8M left a modest 9% surplus.

Mission

TO PROVIDE FINANCIAL SERVICES TO OUR CORE MEMBERSHIP: FACULTY, STAFF, STUDENTS, AND ALUMNI OF USC.

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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 $30,124,646

Investment Income $5,579,171

Other Revenue $467,295

TOTAL REVENUE $36,171,112

Expense Breakdown

Grants Paid $61,905

Salaries & Benefits $11,306,302

Fundraising Expenses $0

Other Expenses $14,792,301

TOTAL EXPENSES $32,793,297

Year-over-Year Comparison

	2023	2022	Change
Revenue	$36,171,112	$30,542,999	+0.2%
Expenses	$32,793,297	$26,026,442	+0.3%
Net Income	$3,377,815	$4,516,557	-0.3%

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

N/A

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

$1,760,554

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GARY PEREZ	CHIEF EXECUTIVE OFFICER	40.00	Officer	$330,479	$71,630	$402,109
TERESA DENISON	CHIEF MARKETING OFFICER	40.00	Officer	$180,995	$62,337	$243,332
DAVID SCHAUER-WEST	CHIEF INFORMATION OFFICER	40.00	Officer	$184,808	$54,178	$238,986
MICHAEL ROGERS	CHIEF FINANCIAL OFFICER	40.00	Officer	$201,681	$35,556	$237,237
JEFF GALLERY	CHIEF LENDING OFFICER	40.00	Officer	$189,261	$41,664	$230,925
TONYA PEREZ-WRIGHT	CHIEF EXPERIENCE OFFICER	40.00	Officer	$162,979	$42,488	$205,467
ROCIO FLORES	CHIEF SOCIAL IMPACT OFFICER	40.00	Officer	$154,860	$47,638	$202,498
DANIEL COHEN	VP, INFORMATION TECHNOLOGY	40.00	Highest	$154,022	$34,768	$188,790
DANIEL PARIS	VP, HUMAN RESOURCES	40.00	Highest	$157,351	$22,762	$180,113
CHRISTINA SCHWARZ	VP, REAL ESTATE LENDING	40.00	Highest	$137,153	$37,994	$175,147
VALERIE IVES	VP, CONSUMER LENDING	40.00	Highest	$138,629	$35,357	$173,986
IRENE RODRIGUEZ	VP, BUSINESS DEVELOPMENT	40.00	Highest	$111,947	$27,820	$139,767
GAVIN GALIMI	CHAIR	1.50	Officer Director	$0	$0	$0
MICHAEL BROUGHTON	VICE CHAIR	1.50	Officer Director	$0	$0	$0
JUSTIN HO	TREASURER	1.50	Officer Director	$0	$0	$0
CAROLINA CASTILLO	SECRETARY	1.50	Officer Director	$0	$0	$0
KELLY BERNAL	DIRECTOR	1.50	Director	$0	$0	$0
PEER FISS	DIRECTOR	1.50	Director	$0	$0	$0
RICHARD MCCORMICK	DIRECTOR	1.50	Director	$0	$0	$0
SAMANTHA SMYTH-PAXSON	DIRECTOR	1.50	Director	$0	$0	$0
THEODORE BUDGE	DIRECTOR	1.50	Director	$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
2025	No data	No data	No data	No data
2024	$36,171,112	$32,793,297	$741,105,315	$3,377,815
2023	$30,542,999	$26,026,442	$741,676,675	$4,516,557
2022	$21,672,643	$20,738,848	$754,273,547	$933,795
2021	$22,826,821	$20,426,302	$740,787,156	$2,400,519
2020	$25,520,330	$22,753,484	$658,998,771	$2,766,846
2019	$25,756,718	$20,292,680	$570,309,713	$5,464,038

USC CREDIT UNION