San Francisco Bay Area Educators Credit Union
Nonprofit profile at a glance
- EIN
- 941521282
- IRS 990-EZ coverage
- 2020–2020
- Forms available
- Form 990 2019, Form 990-EZ 2020
- Location
- San Francisco, CA, USA
- Phone
- 4156644313
- Rating
- 34
- Verdict
- REVIEW
- Rating confidence
- Moderate
- Sector
- Credit Unions
Reported finances
- Revenue
- $89,787
- Expenses
- $83,254
- Assets
- $0
Source: IRS Form 990-EZ. Selected filing: tax year 2020. Amounts in USD.
Leadership & pay
10 people listed
Executive titles in this filing
- Victoria Fong (CEO)
People named in this filing
- Victoria Fong (CEO)
- Judith Grady (BD Director)
- Owen Raven (BD Vice Chairma)
Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.
Source: IRS Form 990-EZ. Selected filing: tax year 2020. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of San Francisco Bay Area Educators Credit Union.
What it reported doing in 2020
Provided deposit and loan accounts to 1,464 members. Provided low cost source of credit and low cost financial services to our members. Provided source of member savings and checking account needs.
Operating model
- Revenue model
- Cannot be determined from the filing. The filing does not provide enough consistent revenue detail to tell how this nonprofit funds its work.
- Distribution model
- Transfer-based 990-EZ. The 990-EZ reports grants or member benefits, but it does not separate enough spending to show the nonprofit’s full delivery mix.
The verdict
REVIEW - The filed numbers largely add up. A relatively small share of available resources goes toward mission work and revenue has declined or grown slowly.
Rating breakdown
- Financial Efficiency: 0
- Transparency & Controls: 82
- Sustainability: 28
- Growth: 0
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 0.4%; rating input score 0
- Program expense ratio: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 51st percentile among comparable filings
- Major donor itemization: Limited
Sustainability
- Operating margin: 7.3%; rating input score 56; 56th percentile among comparable filings
- Total-asset coverage ratio: 0; rating input score 2; 2nd percentile among comparable filings
- Liabilities to assets ratio: Limited
- Officer compensation ratio: 18%; rating input score 9; 9th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: -5.7% per year; rating input score 0; 45th percentile among comparable filings
- Asset growth: -6.5% per year; rating input score 0; 21st percentile among comparable filings
Details
- Where the money goes: 0.4% of revenue deployed
- Governance: Filed governance answers
- Accomplishments: 1 filed program accomplishment
- Leadership: top reported pay $0 · 10 people listed
- Consistency: 4 of 4 current checks pass
- Schedules: 3 filed schedules
- Contacts: How to reach this organization
- Money network: 6 filed money-flow records
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Financial Efficiency: Mission deployment rate scored 0/100.
- High — Growth: Revenue growth scored 0/100.
- High — Growth: Asset growth scored 0/100.
- High — Sustainability: Total-asset coverage ratio scored 2/100.
- Review — Sustainability: Operating margin scored 56/100.
- High — Sustainability: Officer compensation ratio scored 9/100.