MATERNITY BVM CREDIT UNION (EIN 362406571) - 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

1957

Legal Domicile

Principal Officer

MONICA ROBERTSON

Phone

8159327131

Tax Period

2025-01-01 to 2025-12-31

MATERNITY BVM CREDIT UNION, founded in 1957, is a small nonprofit in the Public & Societal Benefit sector that reported $513K in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. Net assets of $1.4M represent 33 months of operating reserves.

Mission

ILLINOIS STATE CHARTERED CREDIT UNION OFFERING SERVICES TO 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 $390,861

Investment Income $91,675

Other Revenue $30,400

TOTAL REVENUE $512,936

Expense Breakdown

Grants Paid $0

Salaries & Benefits $211,809

Fundraising Expenses $0

Other Expenses $323,020

TOTAL EXPENSES $534,829

Year-over-Year Comparison

	2025	2024	Change
Revenue	$512,936	$471,728	+0.1%
Expenses	$534,829	$505,774	+0.1%
Net Income	$-21,893	$-34,046	-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

$75,858

Total Directors

$75,858

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LISA LILLIS	TREASURER/PAST PRES	1.00	Officer Director	$0	$0	$0
DAWN LUHMAN	PRES/SECRETARY	40.00	Officer Director	$62,969	$12,889	$75,858
DAVID ANDERSON	CHAIRMAN	1.00	Director	$0	$0	$0
ANNE FIGUS	VICE CHAIR	1.00	Director	$0	$0	$0
CHRIS BURNS	DIRECTOR	1.00	Director	$0	$0	$0
JEANNE BALBER	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT LAMPLEY	DIRECTOR	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	$512,936	$534,829	$11,613,718	$-21,893
2024	No data	No data	No data	No data
2023	$426,649	$423,884	$12,635,848	$2,765
2022	$451,936	$436,991	$13,531,983	$14,945
2021	$364,456	$288,697	$13,383,382	$75,759
2020	$321,009	$291,133	$12,401,137	$29,876
2019	$320,362	$309,648	$11,848,242	$10,714
2018	$294,672	$292,026	$11,639,138	$2,646

MATERNITY BVM CREDIT UNION