BLAW KNOX CREDIT UNION (EIN 370767426) - 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

APRIL CIZEK

Phone

2172350698

Tax Period

2024-01-01 to 2024-12-31

BLAW KNOX CREDIT UNION, founded in 1957, is a small nonprofit that reported $671K in total revenue in fiscal year 2024. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $109K, a strong 16% operating margin.

Mission

BLAW KNOX CREDIT UNION SEEKS TO ASSIST THEIR MEMBERS IN THE MANAGEMENT OF THEIR FINANCIAL WELL-BEING BY PROVIDING LOANS,SAVINGS ACCOUNTS AND OTHER FINANCIAL INSTITUTION SERVICES IN A FRIENDLY AND PROFESSIONAL MANNER.

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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 $567,724

Investment Income $103,614

Other Revenue $0

TOTAL REVENUE $671,338

Expense Breakdown

Grants Paid $0

Salaries & Benefits $219,424

Fundraising Expenses $0

Other Expenses $342,777

TOTAL EXPENSES $562,201

Year-over-Year Comparison

	2024	2023	Change
Revenue	$671,338	$574,295	+0.2%
Expenses	$562,201	$488,887	+0.1%
Net Income	$109,137	$85,408	+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

$75,808

Total Directors

$75,808

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
APRIL CIZEK	TREASURER/PRESIDENT	45.00	Officer Director	$72,892	$2,916	$75,808
DENNIS CAMFIELD	CHAIRMAN	1.00	Officer Director	$0	$0	$0
CHARLES RICH	VICE-CHAIR	1.00	Officer Director	$0	$0	$0
TIM CARTER	SECRETARY	1.00	Officer Director	$0	$0	$0
JOHN WHITLOCK	DIRECTOR	1.00	Director	$0	$0	$0
JOHN MCMILLAN	DIRECTOR	1.00	Director	$0	$0	$0
NICHOLAS HOUSER	DIRECTOR	1.00	Director	$0	$0	$0
RUSSELL SHOOT	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
2024	$671,338	$562,201	$12,947,633	$109,137
2023	$574,295	$488,887	$13,618,331	$85,408
2022	$480,934	$417,785	$13,520,945	$63,149
2021	$527,304	$416,822	$13,391,002	$110,482
2020	$521,547	$425,192	$11,762,737	$96,355
2019	$520,125	$421,765	$10,547,382	$98,360
2018	$508,658	$411,876	$9,961,591	$96,782

BLAW KNOX CREDIT UNION