BURLINGTON NORTHERN SANTA FE RAILWAY CREDIT UNION (EIN 360856440) - 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

1937

Legal Domicile

Principal Officer

Angelic Billings

Phone

7089245594

Tax Period

2024-01-01 to 2024-12-31

BURLINGTON NORTHERN SANTA FE RAILWAY CREDIT UNION, founded in 1937, is a small nonprofit in the Public & Societal Benefit sector that reported $268K in total revenue in fiscal year 2018. Revenue grew 19% year-over-year, indicating healthy expansion. The organization ran a surplus of $64K, a strong 24% operating margin.

Mission

Credit Union

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $247,940

Investment Income $220,147

Other Revenue $0

TOTAL REVENUE $468,087

Expense Breakdown

Grants Paid $0

Salaries & Benefits $133,232

Fundraising Expenses $0

Program Expenses $359,768

Other Expenses $137,607

TOTAL EXPENSES $359,768

Year-over-Year Comparison

	2024	2023	Change
Revenue	$468,087	$372,356	+0.3%
Expenses	$359,768	$308,285	+0.2%
Net Income	$108,319	$64,071	+0.7%

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

N/A

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

$71,910

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Angelic Billings	President	40	Key Emp Highest	$71,910	$0	$71,910
Ronald Poindexter	Board Member	1	Director	$0	$0	$0
William Reckling	Board Member	1	Director	$0	$0	$0
Robert Pasquini	Board Member	1	Director	$0	$0	$0
Willie Merrill	Chairman	1	Director	$0	$0	$0
Carol Smith	Secretary	1	Director	$0	$0	$0
Peter Vasquez	Supervisory Board Member	1	Director	$0	$0	$0
Sharon Robinson	Supervisory Committee	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
2024	$468,087	$359,768	$8,517,546	$108,319
2023	$372,356	$308,285	$8,227,759	$64,071
2022	$263,536	$333,799	$8,038,609	$-70,263
2021	$278,226	$220,992	$8,135,446	$57,234
2020	$252,522	$206,811	$7,659,189	$45,711
2019	$305,427	$248,367	$7,087,443	$57,060
2018	$267,582	$203,529	$7,228,976	$64,053

BURLINGTON NORTHERN SANTA FE RAILWAY CREDIT UNION