WEST POINT, VA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)BAYLANDS FAMILY CREDIT UNION, founded in 1946, is a community nonprofit that reported $4.1M in total revenue in fiscal year 2018. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $4.0M left a modest 3% surplus.
BAYLANDS FAMILY CREDIT UNION IS COMMITTED TO SERVING THE FINANCIAL NEEDS OF OUR MEMBERSHIP. IT IS OUR RESPONSIBILITY TO MAXIMIZE THE BENEFITS TO OUR MEMBERS WHILE MAINTAINING FINANCIAL STABILITY.WE WILL PROVIDE A CLIMATE IN WHICH OUR EMPLOYEES ARE STIMULATED TO ACHIEVE OUTSTANDING PERFORMANCE AND PROFESSIONALISM.WE ARE A MEMBER-OWNED INSTITUTION THAT EXISTS NOT FOR PROFIT, BUT FOR SERVICE."
Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2023 | 2022 | Change | |
|---|---|---|---|
| Revenue | $4,409,839 | $3,730,943 | +0.2% |
| Expenses | $3,977,247 | $3,441,001 | +0.2% |
| Net Income | $432,592 | $289,942 | +0.5% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| MARTHA E HART | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| CHRISTINE L HITE | SUPERVISORY COMMITTEE | 1.00 |
Director
|
$0 | $0 | $0 |
| TODD C WELCH | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| TROY E FOSTER | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| TERRY A REED | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| N/A | 401(K) & PENSION TRUSTEE | 1.00 |
|
$0 | $0 | $0 |
| CAROLYN B LOCKLEY | SECRETARY | 1.00 |
Officer
|
$0 | $0 | $0 |
| GEORGE R CARTER | CHAIR | 1.00 |
Officer
|
$0 | $0 | $0 |
| DEBORAH T BALL | ASST. SECRETARY | 1.00 |
Officer
|
$0 | $0 | $0 |
| M RAGAN HART | CHAIR, SUPERVISORY COMMITT | 1.00 |
Officer
|
$0 | $0 | $0 |
| TERESA MILLIS | CEO | 40.00 |
Officer
|
$106,212 | $0 | $106,212 |
| JOSEPH F DREXLER III | VICE CHAIRMAN | 1.00 |
Officer
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | No data | No data | No data | No data |
| 2024 | No data | No data | No data | No data |
| 2023 | $4,409,839 | $3,977,247 | $89,784,518 | $432,592 |
| 2022 | $3,730,943 | $3,441,001 | $92,757,799 | $289,942 |
| 2021 | $3,879,748 | $3,783,805 | $98,122,989 | $95,943 |
| 2020 | $4,104,939 | $4,313,944 | $95,335,180 | $-209,005 |
| 2019 | $4,379,365 | $4,275,013 | $85,235,147 | $104,352 |
| 2018 | $4,107,902 | $3,965,931 | $79,543,258 | $141,971 |
Compare BAYLANDS FAMILY CREDIT UNION with other nonprofits in Virginia and across the country.