BLUE EAGLE CREDIT UNION (EIN 540585044) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

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

2024-01-01 to 2024-12-31

BLUE EAGLE CREDIT UNION, founded in 1948, is a mid-sized nonprofit that reported $10.1M in total revenue in fiscal year 2018. Expenses of $9.7M left a modest 4% surplus.

Mission

'DELIVERING SOLUTIONS'

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $17,712,995

Investment Income $1,271,912

Other Revenue $203,051

TOTAL REVENUE $19,187,958

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,468,292

Fundraising Expenses $0

Other Expenses $9,819,481

TOTAL EXPENSES $16,287,773

Year-over-Year Comparison

	2024	2023	Change
Revenue	$19,187,958	$16,627,420	+0.2%
Expenses	$16,287,773	$14,304,934	+0.1%
Net Income	$2,900,185	$2,322,486	+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

$1,244,010

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CATHERINE CAUDILL	SECRETARY	0.50	Officer Director	$0	$0	$0
ERIC GUITERREZ	DIRECTOR	0.50	Director	$0	$0	$0
PAUL ENGLISH	2ND VICE PRESIDENT	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
CLIFF DEMARS	DIRECTOR	0.50	Director	$0	$0	$0
CHARLENE YEAGLEY	DIRECTOR	0.50	Director	$0	$0	$0
WILLIAM TAWNEY	1ST VICE PRESIDENT	0.50	Officer Director	$0	$0	$0
JEREMY HALL	DIRECTOR	0.50	Director	$0	$0	$0
RODNEY SPICKARD	ASSOCIATE DIRECTOR	0.50	Director	$0	$0	$0
JEFFREY THOMPSON	CEO	45.00	Officer	$417,248	$26,542	$443,790
KEVIN ALFRED	CLO	45.00	Officer	$231,643	$23,536	$255,179
DIANE SMITH	CTO	45.00	Officer	$207,509	$17,498	$225,007
KRISTY WISEMAN	VP OF OPERATIONS	45.00	Officer	$156,885	$8,820	$165,705
JENNIFER BRADY	VP OF TECHNOLOGY	45.00	Officer	$145,494	$8,835	$154,329

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	$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

BLUE EAGLE CREDIT UNION