BCBST EMPLOYEES CREDIT UNION (EIN 237152587) - 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

1991

Legal Domicile

Principal Officer

CHANNON HAMILTON

Phone

4235355736

Tax Period

2025-01-01 to 2025-12-31

BCBST EMPLOYEES CREDIT UNION, founded in 1991, is a small nonprofit that reported $526K in total revenue in fiscal year 2025. The organization ran a surplus of $83K, a strong 16% operating margin.

Mission

CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $270,989

Investment Income $228,994

Other Revenue $26,027

TOTAL REVENUE $526,010

Expense Breakdown

Grants Paid $0

Salaries & Benefits $181,734

Fundraising Expenses $0

Program Expenses $443,147

Other Expenses $261,413

TOTAL EXPENSES $443,147

Year-over-Year Comparison

	2025	2024	Change
Revenue	$526,010	$520,394	+0.0%
Expenses	$443,147	$418,351	+0.1%
Net Income	$82,863	$102,043	-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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHANNON HAMILTON	MANAGER, CRE	40.00	Officer	$0	$0	$0
STEPHEN BORDERS	BOARD TREASU	1.00	Director	$0	$0	$0
MARVIN FABRY	BOARD VICE P	1.00	Director	$0	$0	$0
SCOTT GAY	BOARD SECRET	1.00	Director	$0	$0	$0
SHARON WOODARD	BOARD MEMBER	1.00	Director	$0	$0	$0
DANIEL LAU	BOARD MEMBER	1.00	Director	$0	$0	$0
PATRICK SULLIVAN	BOARD PRESID	1.00	Director	$0	$0	$0
EDIE JOHNSON	BOARD MEMBER	1.00	Director	$0	$0	$0
RANDY MITCHELL	CREDIT COM C	1.00	Officer	$0	$0	$0
AMANDA CLINTON	SUPERVISORY	1.00	Officer	$0	$0	$0
KIM BLEVINS	SUPERVISORY	1.00	Officer	$0	$0	$0
KEVIN DEW	SUPERVISORY	1.00	Officer	$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	$526,010	$443,147	$10,302,219	$82,863
2024	$520,394	$418,351	$10,506,754	$102,043
2023	$487,087	$479,087	$11,431,067	$8,000
2022	$370,818	$412,120	$13,091,639	$-41,302
2021	$347,574	$429,651	$13,221,153	$-82,077
2020	$438,710	$491,841	$13,716,818	$-53,131
2019	$563,054	$497,184	$10,668,726	$65,870
2018	$541,092	$481,683	$10,178,576	$59,409

BCBST EMPLOYEES CREDIT UNION