BREWERY CREDIT UNION (EIN 390181775) - 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

KRISTIN BROJANAC

Phone

4142733170

Tax Period

2024-01-01 to 2024-12-31

BREWERY CREDIT UNION, founded in 1934, is a community nonprofit that reported $5.7M in total revenue in fiscal year 2024. Expenses of $5.2M left a modest 7% surplus.

Mission

PROVIDING SUPERIOR FINANCIAL SERVICES WHILE ECONOMICALLY EMPOWERING OUR MEMBERS AND COMMUNITY.

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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 $4,846,184

Investment Income $728,910

Other Revenue $94,619

TOTAL REVENUE $5,669,713

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,705,313

Fundraising Expenses $0

Other Expenses $3,544,110

TOTAL EXPENSES $5,249,423

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,669,713	$5,402,928	+0.0%
Expenses	$5,249,423	$4,611,823	+0.1%
Net Income	$420,290	$791,105	-0.5%

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

$213,718

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARIE BRITT SHARPE	CHAIR	1.00	Officer Director	$0	$0	$0
MIKAL GILLIAT	TREASURER	1.00	Officer Director	$0	$0	$0
MICHAEL STYKE	SECRETARY	1.00	Officer Director	$0	$0	$0
JENNIFER SCHILLING	VICE CHAIR	1.00	Officer Director	$0	$0	$0
LAMAINE HARRIS	DIRECTOR	1.00	Director	$0	$0	$0
CHARLES ROEDEL	DIRECTOR	1.00	Director	$0	$0	$0
WARWEES HOLT	DIRECTOR	1.00	Director	$0	$0	$0
KRISTIN BROJANAC	PRESIDENT/CEO	40.00	Officer	$155,382	$58,336	$213,718

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	$5,669,713	$5,249,423	$59,118,050	$420,290
2023	$5,402,928	$4,611,823	$63,207,864	$791,105
2022	$4,799,877	$3,878,731	$62,857,418	$921,146
2021	$4,518,372	$3,288,690	$60,062,659	$1,229,682
2020	$4,077,664	$3,681,061	$54,656,900	$396,603
2019	$4,364,013	$3,472,519	$45,962,400	$891,494
2018	$4,174,043	$3,589,529	$43,147,402	$584,514

BREWERY CREDIT UNION