BRANTWOOD 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

JASON KIVELA

Phone

7155642232

Tax Period

2025-01-01 to 2025-12-31

BRANTWOOD CREDIT UNION, founded in 1932, is a small nonprofit that reported $446K in total revenue in fiscal year 2025. Expenses of $430K left a modest 4% surplus.

Mission

NONE

Program Service Accomplishments

Program 1

Expenses: $429,561

AS OF 12/31/2025 WE HAVE FUNDED 440 LOANS AND HAVE $5,306,180 IN CONSUMER LOANS.

Program 2

WE HAVE DEPOSIT, TRANSACTION, AND INVESTMENT ACCOUNTS WITH 811 MEMBERS AS OF 12/31/2025.

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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 $390,369

Investment Income $55,430

Other Revenue $0

TOTAL REVENUE $445,799

Expense Breakdown

Grants Paid $0

Salaries & Benefits $102,625

Fundraising Expenses $0

Program Expenses $429,561

Other Expenses $326,936

TOTAL EXPENSES $429,561

Year-over-Year Comparison

	2025	2024	Change
Revenue	$445,799	$424,673	+0.0%
Expenses	$429,561	$411,798	+0.0%
Net Income	$16,238	$12,875	+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

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

$57,850

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KENNETH HOFFMAN	VICE-CHAIRMAN	0.50	Director	$0	$0	$0
BRADLEY SWENSON	CHAIRMAN	0.50	Director	$0	$0	$0
DIANNA GUSTAFSON	VICE-PRESIDENT	0.50	Officer Director	$0	$0	$0
KARIN KIVELA	SECRETARY	0.50	Officer Director	$0	$0	$0
JASON KIVELA	PRESIDENT/TREASURER	38.00	Officer	$57,850	$0	$57,850

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	$445,799	$429,561	$7,172,905	$16,238
2024	No data	No data	No data	No data
2023	$371,777	$417,286	$6,821,060	$-45,509
2022	$333,384	$339,495	$7,244,704	$-6,111
2021	$299,953	$302,203	$7,246,970	$-2,250
2020	$286,179	$271,130	$6,232,522	$15,049