BROWN FORMAN EMPLOYEES CREDIT UNION (EIN 610531597) - 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

1936

Legal Domicile

Principal Officer

Erin L Walter

Phone

5027747003

Tax Period

2025-01-01 to 2025-12-31

BROWN FORMAN EMPLOYEES CREDIT UNION, founded in 1936, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2025. Expenses of $909K left a modest 11% surplus.

Mission

Provide loans & savings to members

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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 $787,148

Investment Income $231,482

Other Revenue $0

TOTAL REVENUE $1,018,630

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $908,917

Other Expenses $585,968

TOTAL EXPENSES $908,917

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,018,630	$1,047,064	0.0%
Expenses	$908,917	$806,889	+0.1%
Net Income	$109,713	$240,175	-0.5%

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

1326

Independent Members

1326

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
Joe Hopkins	Board Chairman	Officer	$0	$0	$0
Xin Gu	Board Vice Chair	Officer	$0	$0	$0
Jennifer McClinton	Board Secretary	Officer	$0	$0	$0
Shane Burke	Board Member	Officer	$0	$0	$0
Brian Albanese	Board Member	Officer	$0	$0	$0
Tiffany Calvert	Board Member	Officer	$0	$0	$0
Andy Kim	Board Member	Officer	$0	$0	$0
Billy Kent	Board Member	Officer	$0	$0	$0
Erin Walter	Board President/CEO	Key Emp	$0	$0	$0
Melissa Finley	Staff	Key Emp	$0	$0	$0
Ana McVey	Staff	Key Emp	$0	$0	$0
Michael Nelson	Board Member	Key Emp	$0	$0	$0

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	$1,018,630	$908,917	$14,860,800	$109,713
2024	$1,047,064	$806,889	$14,520,855	$240,175
2023	$923,143	$676,834	$14,438,828	$246,309
2022	$702,016	$522,079	$13,949,962	$179,937
2021	$633,799	$452,771	$14,561,249	$181,028
2020	$652,874	$439,683	$13,001,245	$213,191
2019	$687,454	$480,385	$11,634,577	$207,069
2018	$628,361	$598,527	$11,792,699	$29,834

BROWN FORMAN EMPLOYEES CREDIT UNION