WPublic & Societal BenefitEIN: 941175509· Ruling Year: 2018

1 St Northern California Credit Union

Martinez, California

B+Health Score
74B+

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Good

How This Organization Compares

Compared to 9 peers in Public & Societal Benefit with $10M-$100M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org4.76×
Peer Median11.38×
💰
$21.2M
Total Revenue
📊
$18.2M
Total Expenses
🏦
$86.7M
Net Assets
📋
$712.2M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+27.5%
Year-over-year change (2022 → 2023)
Net Margin
+14.2%
Revenue minus expenses as % of revenue
Working Capital Ratio
4.76
Net assets divided by total expenses
Liabilities-to-Assets
89.1%
Total liabilities as % of total assets

Filing History

7 filings on record
YearRevenueExpensesAssets
2023$21,217,66028%$18,195,16917%$798,827,3049%
2022$16,635,7262%$15,582,7301%$878,372,2972%
2021$16,968,80510%$15,410,05812%$896,049,3698%
2020$18,785,9351%$17,538,6478%$829,109,08414%
2019$18,570,51010%$16,286,17119%$728,215,2035%
2018$16,901,62410%$13,727,4765%$696,834,7221%
2017$15,355,417$13,080,009$702,451,101

Frequently Asked Questions

What does 1 St Northern California Credit Union do?

1 St Northern California Credit Union is a public & societal benefit nonprofit organization based in California. It is classified under NTEE code W61 and is registered as a 501(c) tax-exempt organization with the IRS.

Is 1 St Northern California Credit Union financially healthy?

Based on our 9-metric Financial Health Score model, 1 St Northern California Credit Union has a score of 74/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does 1 St Northern California Credit Union generate?

1 St Northern California Credit Union reports $27.8M in annual revenue and holds $822.3M in total assets, based on IRS filings.

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