BLUE EAGLE 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

1948

Legal Domicile

Principal Officer

JEFFREY THOMPSON

Phone

5403423429

Tax Period

2025-01-01 to 2025-12-31

BLUE EAGLE CREDIT UNION, founded in 1948, is a mid-sized nonprofit that reported $20.7M in total revenue in fiscal year 2025. Revenue grew 8% year-over-year, indicating healthy expansion. The organization ran a surplus of $3.4M, a strong 16% operating margin.

Mission

BLUE EAGLE CREDIT UNION HAS BEEN COMMITTED TO SERVING ITS MEMBERS AND THEIR FAMILIES IN GETTING AHEAD FINANCIALLY SINCE 1948. BLUE EAGLE CREDIT UNION IS PASSIONATE ABOUT MATCHING ITS MEMBERS WITH THE RIGHT SOLUTIONS THAT PRESENT OPPORTUNITY FOR LONG-TERM FINANCIAL SECURITY.

Program Service Accomplishments

Program 1

BLUE EAGLE CREDIT UNION PROVIDES FINANCIAL SERVICES TO ITS MEMBERS SUCH AS SAVINGS ACCOUNTS AND LOANS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $19,011,263

Investment Income $1,289,320

Other Revenue $443,089

TOTAL REVENUE $20,743,672

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,416,213

Fundraising Expenses $0

Other Expenses $9,950,603

TOTAL EXPENSES $17,366,816

Year-over-Year Comparison

	2025	2024	Change
Revenue	$20,743,672	$19,187,958	+0.1%
Expenses	$17,366,816	$16,287,773	+0.1%
Net Income	$3,376,856	$2,900,185	+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

$1,451,110

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ERIC GUITERREZ	2ND VICE PRESIDENT	0.50	Director	$0	$0	$0
PAUL ENGLISH	DIRECTOR	0.50	Officer Director	$0	$0	$0
JANICE GRAY	DIRECTOR	0.50	Director	$0	$0	$0
ROBERT HARTSEL	PRESIDENT	0.50	Officer Director	$0	$0	$0
CHARLENE YEAGLEY	DIRECTOR	0.50	Director	$0	$0	$0
WILLIAM TAWNEY	SECRETARY/TREASURER	0.50	Officer Director	$0	$0	$0
JEREMY HALL	DIRECTOR	0.50	Director	$0	$0	$0
RODNEY SPICKARD	1ST VICE PRESIDENT	0.50	Director	$0	$0	$0
ROBIN HALL	DIRECTOR	0.50	Officer Director	$0	$0	$0
RYAN LAFOUNTAIN	DIRECTOR	0.50	Officer Director	$0	$0	$0
JONATHAN TAYLOR	ASSOCIATE DIRECTOR	0.50	Officer Director	$0	$0	$0
JENNIFER BRADY	VP OF TECHNOLOGY	45.00	Officer	$163,191	$9,283	$172,474
KRISTY WISEMAN	VP OF OPERATIONS	45.00	Officer	$171,771	$9,292	$181,063
DIANE SMITH	CTO	45.00	Officer	$244,715	$18,886	$263,601
KEVIN ALFRED	CLO	45.00	Officer	$288,084	$25,554	$313,638
JEFFREY THOMPSON	CEO	45.00	Officer	$488,949	$31,385	$520,334

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
2025	$20,743,672	$17,366,816	$260,700,205	$3,376,856
2024	$19,187,958	$16,287,773	$240,666,065	$2,900,185
2023	$16,627,420	$14,304,934	$217,559,628	$2,322,486
2022	$14,015,517	$11,772,569	$210,817,855	$2,242,948
2021	$12,633,152	$10,723,444	$202,756,828	$1,909,708
2020	$11,531,825	$10,714,629	$185,748,201	$817,196
2019	$11,439,049	$10,384,529	$157,729,603	$1,054,520
2018	$10,128,635	$9,691,996	$148,599,018	$436,639