BSE Credit Union

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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

1955

Legal Domicile

Principal Officer

DIANA LARSEN

Phone

4402439180

Tax Period

2025-01-01 to 2025-12-31

BSE Credit Union, founded in 1955, is a small nonprofit that reported $799K in total revenue in fiscal year 2025. Expenses of $759K left a modest 5% surplus.

Mission

THE BSE CREDIT UNION'S MISSION IS TO PROVIDE SUPERIOR SERVICE AND THE BEST POSSIBLE RATES TO MEMBERS WHILE MAINTAINING A SOUND FINANCIAL INSTITUTION.

Program Service Accomplishments

Program 1

THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES AND OTHER. THE TOTAL NUMBER OF MEMBERS AS OF 2025 WAS 2,286.

Program 2

THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AS OF 2025 WAS 1,185.

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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 $490,956

Investment Income $308,258

Other Revenue $0

TOTAL REVENUE $799,214

Expense Breakdown

Grants Paid $0

Salaries & Benefits $403,820

Fundraising Expenses $0

Other Expenses $355,309

TOTAL EXPENSES $759,129

Year-over-Year Comparison

	2025	2024	Change
Revenue	$799,214	$747,008	+0.1%
Expenses	$759,129	$685,174	+0.1%
Net Income	$40,085	$61,834	-0.4%

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

$103,311

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DIANA L LARSEN	CEO	40.00	Officer	$103,311	$0	$103,311
JOHN DOSSA JR	Director	1.00	Director	$0	$0	$0
JEFF DOMONKOS	Director	1.00	Director	$0	$0	$0
TIM GERDING	Chairman	1.00	Director	$0	$0	$0
WILBURT AVERY JR	Director	1.00	Director	$0	$0	$0
MARIANNA PERIS	Director	1.00	Director	$0	$0	$0
GLENN BLATNICA	Vice President	1.00	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	$799,214	$759,129	$17,639,712	$40,085
2024	No data	No data	No data	No data
2023	$705,337	$656,826	$18,775,614	$48,511
2022	$620,736	$668,748	$19,850,943	$-48,012
2021	$627,854	$664,331	$20,112,776	$-36,477
2020	$723,109	$677,832	$17,804,739	$45,277
2019	$843,121	$732,447	$16,155,068	$110,674
2018	$754,124	$699,778	$16,414,443	$54,346