BOTHWELL HOSPITAL EMPLOYEES CREDIT UNION (EIN 436193854) - 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

1972

Legal Domicile

Phone

6608279518

Tax Period

2024-01-01 to 2024-12-31

BOTHWELL HOSPITAL EMPLOYEES CREDIT UNION, founded in 1972, is a small nonprofit that reported $124K in total revenue in fiscal year 2024. Expenses of $113K left a modest 9% surplus.

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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $113,582

Investment Income $10,026

Other Revenue $0

TOTAL REVENUE $123,608

Expense Breakdown

Grants Paid $0

Salaries & Benefits $72,637

Fundraising Expenses $0

Program Expenses $112,643

Other Expenses $40,006

TOTAL EXPENSES $112,643

Year-over-Year Comparison

	2024	2023	Change
Revenue	$123,608	$125,771	0.0%
Expenses	$112,643	$116,293	0.0%
Net Income	$10,965	$9,478	+0.2%

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

$42,604

Total Directors

$42,604

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMIE WILLIS	MANAGER	40.00	Officer Director	$42,604	$0	$42,604
JULIE MAY	SECRETARY	3.00	Officer	$0	$0	$0
LORI HAZELL	SUPERVISORY BOARD	3.00	Officer	$0	$0	$0
MELANIE DAVIS	TREASURER	3.00	Officer	$0	$0	$0
JAY D LEWIS	VICE PRESIDENT	3.00	Officer	$0	$0	$0
ELAYNE GORDON	PRESIDENT	3.00	Officer	$0	$0	$0

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	$123,608	$112,643	$1,848,104	$10,965
2023	$125,771	$116,293	$2,020,649	$9,478
2022	$103,766	$105,950	$2,327,044	$-2,184
2021	$85,032	$89,533	$2,564,533	$-4,501
2020	$96,633	$95,806	$2,498,617	$827
2019	$111,143	$115,431	$2,122,960	$-4,288
2018	$105,176	$101,762	$2,088,612	$3,414

BOTHWELL HOSPITAL EMPLOYEES CREDIT UNION