BEA Credit Union (EIN 376036417) - 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

1954

Legal Domicile

Phone

6183773948

Tax Period

2025-01-01 to 2025-12-31

BEA Credit Union, founded in 1954, is a small nonprofit that reported $145K in total revenue in fiscal year 2025. Expenses of $132K left a modest 9% surplus.

Mission

To assist our members by providing loans and savings accounts.

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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 $4,565

Program Service Revenue $134,617

Investment Income $5,256

Other Revenue $709

TOTAL REVENUE $145,147

Expense Breakdown

Grants Paid $0

Salaries & Benefits $48,160

Fundraising Expenses $0

Program Expenses $132,456

Other Expenses $84,296

TOTAL EXPENSES $132,456

Year-over-Year Comparison

	2025	2024	Change
Revenue	$145,147	$146,673	0.0%
Expenses	$132,456	$133,442	0.0%
Net Income	$12,691	$13,231	0.0%

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

N/A

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

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
Stephen Lowrance	Chair	Officer Director	$0	$0	$0
Lisa Callison	Director	Director	$0	$0	$0
Joseph Schoppet	Treasurer	Officer Director	$0	$0	$0
Terrina Harris	Vice Chair	Officer Director	$0	$0	$0
Kary Morgan	Director	Director	$0	$0	$0
April Wrenn	Director	Director	$0	$0	$0
Ann Patrick	Director	Director	$0	$0	$0
Krissy Landers	Director	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	$145,147	$132,456	$2,318,479	$12,691
2024	$146,673	$133,442	$2,543,142	$13,231
2023	$144,925	$114,411	$2,971,573	$30,514
2022	$111,775	$111,434	$3,063,862	$341
2021	$148,577	$130,889	$3,216,242	$17,688
2020	$129,360	$201,098	$3,070,358	$-71,738
2019	$151,489	$153,143	$3,094,571	$-1,654
2018	$171,384	$151,820	$3,548,510	$19,564

BEA Credit Union