The Foundation of Ventura County Credit Union Inc

Nonprofit profile at a glance

EIN
462578478
IRS 990-EZ coverage
2021–2025
Forms available
Form 990-EZ 2025, Form 990-N 2020
Location
Ventura, CA, USA
Phone
8054774000
Rating
57
Verdict
MIXED
Rating confidence
Moderate
Sector
Corporate Foundations

Reported finances

Revenue
$121,134
Expenses
$103,866
Assets
$87,785
Liabilities
$0

Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

11 people listed

Executive titles in this filing

  • RACHEL BRAVO (PRESIDENT)
  • REGINA COTTON (VICE PRESIDENT)

People named in this filing

  • RACHEL BRAVO (PRESIDENT)
  • REGINA COTTON (VICE PRESIDENT)
  • MELISSA MILLER (SECRETARY)

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 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

The foundation of vccu exists to provide financial assistance and education to local community partners. Our giving emphasizes: the underserved beautification or preservation of environment health & well-being

What it reported doing in 2025

Approved a change to the bylaws to increase the maximum number of board members from 9 to 15. Added 3 new board positions to bring total to 11. Staffed a table at vccu's member movie night and member shred event to provide information about the foundation and fundraise by selling t shirts, caps and candy. Promoted two see's candy fundraisers to vccu membership and staff.

Operating model

Revenue model
Donor-supported. 100% of the money available for current operations came from contributions and gifts.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

The verdict

MIXED - The filed numbers largely add up and revenue comfortably covers expenses. A relatively small share of available resources goes toward mission work and a relatively small share of total spending goes to programs.

Rating breakdown

  • Financial Efficiency: 21
  • Transparency & Controls: 100
  • Sustainability: 61
  • Growth: 60

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 19.7%; rating input score 20
  • Program expense ratio: 23%; rating input score 23

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 52nd percentile among comparable filings
  • Major donor itemization: Yes; rating input score 100

Sustainability

  • Operating margin: 14.3%; rating input score 63; 63rd percentile among comparable filings
  • Total-asset coverage ratio: 0.85; rating input score 53; 53rd percentile among comparable filings
  • Liabilities to assets ratio: 0; rating input score 74; 74th percentile among comparable filings
  • Officer compensation ratio: 0%; rating input score 63; 63rd percentile among comparable filings

Growth

  • Program expense growth: -47.9% per year; rating input score 0; 5th percentile among comparable filings
  • Revenue growth: 3.9% per year; rating input score 100; 38th percentile among comparable filings
  • Asset growth: 8.3% per year; rating input score 100; 54th percentile among comparable filings

Details

  • Where the money goes: 19.7% of revenue deployed · 23% of spending went to programs
  • Governance: Filed governance answers
  • Accomplishments: 3 filed program accomplishments · $24K in reported program spending
  • Leadership: top reported pay $0 · 11 people listed
  • Consistency: 8 of 9 current checks pass · 1 finding to review
  • Schedules: 3 filed schedules
  • Filing history: 5 filing years from 2021 to 2025
  • Contacts: How to reach this organization
  • Money network: Resolved incoming and outgoing counterparties from filed money flows.
  • Related organizations: Filed and resolved organization relationships.
  • 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 20/100.
  • High — Financial Efficiency: Program expense ratio scored 23/100.
  • Moderate — Transparency & Controls: Part III transfer expenses within program total did not reconcile in the filed values.
  • High — Growth: Program expense growth scored 0/100.
  • Review — Sustainability: Total-asset coverage ratio scored 53/100.