BLUESTEM COMMUNITY CREDIT UNION (EIN 480548261) - 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

1935

Legal Domicile

Principal Officer

CORLISS GRAVES

Phone

3163201777

Tax Period

2023-01-01 to 2023-10-31

BLUESTEM COMMUNITY CREDIT UNION, founded in 1935, is a small nonprofit that reported $441K in total revenue in fiscal year 2023. Revenue decreased 6% compared to the prior year. The organization ran a surplus of $75K, a strong 17% operating margin.

Mission

TO PROVIDE QUALITY SERVICE AND PRODUCTS TO MEET OUR MEMBERS' CHANGING FINANCIAL NEEDS AT COMPETITIVE PRICES WHILE PROMOTING THE CREDIT UNION'S PHILOSOPHY OF "PEOPLE HELPING PEOPLE."

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $383,478

Investment Income $56,093

Other Revenue $1,658

TOTAL REVENUE $441,229

Expense Breakdown

Grants Paid $0

Salaries & Benefits $150,996

Fundraising Expenses $0

Other Expenses $214,842

TOTAL EXPENSES $365,838

Year-over-Year Comparison

	2023	2022	Change
Revenue	$441,229	$471,338	-0.1%
Expenses	$365,838	$457,493	-0.2%
Net Income	$75,391	$13,845	+4.4%

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

$56,249

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARY SCHMIDT	CHAIRPERSON	0.50	Director	$0	$0	$0
DONNA FARTHING	SECRETARY/TREASURER	0.50	Director	$0	$0	$0
BRAD JOHNSON	BOARD MEMBER	0.50	Director	$0	$0	$0
DANA JORDAN	BOARD MEMBER	0.50	Director	$0	$0	$0
EDWARD SCOTT	BOARD MEMBER	0.50	Director	$0	$0	$0
CORLISS GRAVES	MANAGER	40.00	Officer	$43,982	$12,267	$56,249

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
2023	$441,229	$365,838	No data	$75,391
2022	$471,338	$457,493	$11,839,848	$13,845
2021	$503,302	$534,732	$12,325,567	$-31,430

BLUESTEM COMMUNITY CREDIT UNION