B&V CREDIT UNION (EIN 440648650) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1954

Legal Domicile

Principal Officer

SANDRA K BARTHOLOMEW

Phone

9134582739

Tax Period

2024-01-01 to 2024-12-31

B&V CREDIT UNION, founded in 1954, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2024. Expenses of $1.6M exceeded revenue, resulting in a 23% 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.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $968,217

Investment Income $356,495

Other Revenue $4,718

TOTAL REVENUE $1,329,430

Expense Breakdown

Grants Paid $0

Salaries & Benefits $364,380

Fundraising Expenses $0

Other Expenses $1,272,871

TOTAL EXPENSES $1,637,251

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,329,430	$1,247,112	+0.1%
Expenses	$1,637,251	$1,915,107	-0.1%
Net Income	$-307,821	$-667,995	-0.5%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

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

$139,808

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIAM G STANNARD	CHAIRPERSON	1.00	Director	$0	$0	$0
LAWRENCE F BEIL II	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
BRIAN D O'NEAL	DIRECTOR	1.00	Director	$0	$0	$0
MARK H DITTUS	TREASURER	1.00	Director	$0	$0	$0
DAVID J JOHNSON	SECRETARY	1.00	Director	$0	$0	$0
SANDRA K BARTHOLOMEW	PRESIDENT	40.00	Officer	$116,500	$23,308	$139,808

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	$1,329,430	$1,637,251	$46,667,720	$-307,821
2023	$1,247,112	$1,915,107	$52,596,799	$-667,995
2022	$1,236,714	$1,199,538	$61,643,726	$37,176
2021	$1,181,850	$1,045,341	$65,094,444	$136,509
2020	$1,431,797	$1,257,486	$64,815,159	$174,311
2019	$1,560,661	$1,484,471	$57,565,312	$76,190
2018	$1,444,429	$1,242,187	$59,505,954	$202,242

B&V CREDIT UNION