BURNS & MCDONNELL 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

1971

Legal Domicile

Principal Officer

CONSUELO BROWN

Phone

8168223189

Tax Period

2021-01-01 to 2021-06-30

BURNS & MCDONNELL CREDIT UNION, founded in 1971, is a small nonprofit that reported $267K in total revenue in fiscal year 2020. Revenue fell 60% from the prior year — a significant decline worth monitoring. Expenses of $778K exceeded revenue, resulting in a 191% operating deficit.

Mission

BURNS & MCDONNELL CREDIT UNION STRIVES TO BE THE ONE-STOP FINANCIAL INSTITUTION FOR ELIGIBLE MEMBERS. OUR GOAL IS TO PROVIDE SERVICES AND FEATURES NEEDED FOR FINANCIAL SECURITY AND TO PROMOTE THRIFT AND SAVINGS THROUGHOUT THE MEMBERSHIP FIELD.

Program Service Accomplishments

Program 1

PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 1,945 MEMBERS.

Program 2

PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF JUNE 30, 2021, THERE WERE 723 LOANS OUTSTANDING TOTALING $10,473,226.

Program 3

PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $375,305 DURING THE PERIOD, INCLUDING BONUS DIVIDENDS OF $356,253.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $247,153

Investment Income $20,169

Other Revenue $0

TOTAL REVENUE $267,322

Expense Breakdown

Grants Paid $0

Salaries & Benefits $166,494

Fundraising Expenses $0

Other Expenses $611,645

TOTAL EXPENSES $778,139

Year-over-Year Comparison

	2020	2019	Change
Revenue	$267,322	$674,995	-0.6%
Expenses	$778,139	$575,363	+0.4%
Net Income	$-510,817	$99,632	-6.1%

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

$43,181

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HASSAN SAHUDIN	CHAIRMAN	4.00	Director	$0	$0	$0
MICHELLE WORD	VICE CHAIRMAN	4.00	Director	$0	$0	$0
MELISSA COOPER	SECRETARY	4.00	Director	$0	$0	$0
MICHELE FRY	TREASURER	4.00	Director	$0	$0	$0
SETH HANEBUTT	DIRECTOR	4.00	Director	$0	$0	$0
RYAN SOENDKER	DIRECTOR	4.00	Director	$0	$0	$0
ALLEN BAIAMONTE	DIRECTOR	4.00	Director	$0	$0	$0
CONSUELO BROWN	OPERATIONS MANAGER	40.00	Officer	$41,346	$1,835	$43,181

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
2021	$267,322	$778,139	No data	$-510,817
2020	$674,995	$575,363	$27,156,773	$99,632
2019	$837,953	$551,450	$24,546,172	$286,503
2018	$791,872	$471,871	$24,347,144	$320,001