BAYER CREDIT UNION (EIN 431062827) - 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

1975

Legal Domicile

Principal Officer

AMY DOLL SVP

Phone

8162422133

Tax Period

2022-01-01 to 2022-09-30

BAYER CREDIT UNION, founded in 1975, is a small nonprofit that reported $165K in total revenue in fiscal year 2021. Revenue fell 29% from the prior year — a significant decline worth monitoring. Expenses of $383K exceeded revenue, resulting in a 132% operating deficit.

Mission

TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $140,983

Investment Income $24,340

Other Revenue $0

TOTAL REVENUE $165,323

Expense Breakdown

Grants Paid $0

Salaries & Benefits $99,900

Fundraising Expenses $0

Other Expenses $283,554

TOTAL EXPENSES $383,454

Year-over-Year Comparison

	2021	2020	Change
Revenue	$165,323	$233,098	-0.3%
Expenses	$383,454	$285,923	+0.3%
Net Income	$-218,131	$-52,825	+3.1%

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

$51,430

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TINA MYERS	CHAIRPERSON	1.00	Director	$0	$0	$0
TANYA STONER	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
JANET CULLY	SECRETARY	1.00	Director	$0	$0	$0
J TODD FRANK	TREASURER	1.00	Director	$0	$0	$0
TIMOTHY ROBERTS	DIRECTOR	1.00	Director	$0	$0	$0
SHARRI WARDLOW	PRESIDENT (THROUGH 8/31/2022)	40.00	Officer	$46,651	$4,779	$51,430

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
2022	$165,323	$383,454	No data	$-218,131
2021	$233,098	$285,923	$7,401,815	$-52,825
2020	$254,861	$338,620	$7,124,732	$-83,759
2019	$295,290	$301,618	$6,710,737	$-6,328
2018	$279,552	$277,151	$6,418,073	$2,401

BAYER CREDIT UNION