BAY AREA CREDIT UNION INC (EIN 344360015) - 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

1934

Legal Domicile

Principal Officer

Jennifer Tober

Phone

4196982962

Tax Period

2025-01-01 to 2025-12-31

BAY AREA CREDIT UNION INC, founded in 1934, is a community nonprofit that reported $5.8M in total revenue in fiscal year 2025. Revenue surged 21% from the prior year, signaling strong growth momentum. Expenses of $5.1M left a modest 12% surplus.

Mission

Bay Area Credit Union, Inc. is a financial institution cooperative organized to provide loan and deposit products and services to the member owners.

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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 $4,521,057

Investment Income $1,245,874

Other Revenue $-142

TOTAL REVENUE $5,766,789

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,224,265

Fundraising Expenses $0

Program Expenses $3,992,818

Other Expenses $2,865,724

TOTAL EXPENSES $5,089,989

Year-over-Year Comparison

	2025	2024	Change
Revenue	$5,766,789	$4,760,195	+0.2%
Expenses	$5,089,989	$4,220,195	+0.2%
Net Income	$676,800	$540,000	+0.3%

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

$323,723

Key Employees

$534,931

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jennifer Tober	Chief Executive Officer / Director	40	Director Key Emp Highest	$213,123	$110,600	$323,723
Carl Weaver	Chief Strategic Officer	40	Key Emp	$178,708	$32,500	$211,208
Michael Jaksetic	Chairman of the Board	1	Director	$0	$0	$0
Daniel Meisner	Vice Chairman of the Board	1	Director	$0	$0	$0
Kyle McDaniel	Treasurer of the Board	1	Director	$0	$0	$0
Dawn Bassitt	Secretary of the Board	1	Director	$0	$0	$0
Barry Ramlow	Director	1	Director	$0	$0	$0
Dave Martin	Director	1	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	$5,766,789	$5,089,989	$105,549,633	$676,800
2024	$4,760,195	$4,220,195	$81,996,968	$540,000
2023	$4,815,421	$3,965,421	$78,735,648	$850,000
2022	$3,651,914	$3,375,914	$80,010,962	$276,000
2021	$3,555,569	$3,046,569	$79,411,393	$509,000
2020	$3,708,590	$3,180,590	$74,466,813	$528,000
2019	$3,726,747	$3,340,247	$66,095,849	$386,500
2018	$3,446,059	$3,196,059	$61,935,066	$250,000

BAY AREA CREDIT UNION INC