BULL'S EYE CREDIT UNION

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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

1932

Legal Domicile

Principal Officer

DAVID STARK

Phone

7154232650

Tax Period

2018-01-01 to 2018-09-30

BULL'S EYE CREDIT UNION, founded in 1932, is a community nonprofit that reported $5.4M in total revenue in fiscal year 2018. Revenue fell 24% from the prior year — a significant decline worth monitoring.

Mission

A NONPROFIT MEMBER-OWNED THRIFT INSTITUTION ORGANIZED TO PROVIDE FINANCIAL SERVICES TO INDIVIDUALS. OPERATIONS ARE PRIMARILY RELATED TO HOLDING DEPOSIT FOR AND MAKING LOANS TO MEMBERS.

Program Service Accomplishments

Program 1

HOLDING DEPOSITS FOR AND MAKING LOANS TO 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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $4,833,539

Investment Income $456,396

Other Revenue $101,021

TOTAL REVENUE $5,390,956

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,308,276

Fundraising Expenses $0

Other Expenses $2,996,461

TOTAL EXPENSES $5,304,737

Year-over-Year Comparison

	2018	2017	Change
Revenue	$5,390,956	$7,053,154	-0.2%
Expenses	$5,304,737	$5,951,056	-0.1%
Net Income	$86,219	$1,102,098	-0.9%

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

$274,079

Total Directors

$30,846

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CARL P LASKA	DIRECTOR	1.00	Director	$3,954	$0	$3,954
RALPH L LAU	DIRECTOR	1.00	Director	$3,721	$0	$3,721
JOHN P HENKELMANN	CHAIR	2.00	Officer Director	$5,733	$0	$5,733
RANDY ROBERSON	TREASURER	2.00	Officer Director	$4,087	$0	$4,087
ALITA R LOBNER	SECRETARY	2.00	Officer Director	$3,717	$0	$3,717
LEE LINDGREN	VICE CHAIR	2.00	Officer Director	$3,074	$0	$3,074
KARL KLINGFORTH	DIRECTOR	1.00	Director	$2,480	$0	$2,480
JOANN GRODE	DIRECTOR	1.00	Director	$2,146	$0	$2,146
JOSHUA WINTER	DIRECTOR	1.00	Director	$1,934	$0	$1,934
DAVE A STARK	PRESIDENT	40.00	Officer	$221,031	$36,437	$257,468

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
2018	$5,390,956	$5,304,737	No data	$86,219