Bluegrass Bankers Association Inc (EIN 611343955) - 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

1999

Legal Domicile

Phone

2707762200

Tax Period

2025-01-01 to 2025-12-31

Bluegrass Bankers Association Inc, founded in 1999, is a small nonprofit in the Community Improvement sector that reported $286K in total revenue in fiscal year 2025. The organization ran a surplus of $57K, a strong 20% operating margin.

Mission

The mission of the Bluegrass Community Bankers Association is to create and promote an environment in Kentucky where community banks flourish. We strive to achieve this goal through a three-part approach: Shared Knowledge, Group Benefits and Representation.

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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 $281,430

Investment Income $873

Other Revenue $3,500

TOTAL REVENUE $285,803

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $228,868

Other Expenses $228,868

TOTAL EXPENSES $228,868

Year-over-Year Comparison

	2025	2024	Change
Revenue	$285,803	$278,360	+0.0%
Expenses	$228,868	$232,153	0.0%
Net Income	$56,935	$46,207	+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

N/A

Volunteers

N/A

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jim DeCesare	Executive Dir.	5.00	Director	$0	$0	$0
BILLY BINGHAM	President	5.00	Officer Director	$0	$0	$0
Edna Hughes	Director	5.00	Director	$0	$0	$0
JODI STACY	Director	5.00	Director	$0	$0	$0
JASON JONES	Secretary	5.00	Officer Director	$0	$0	$0
TERRY COCTRAN	Director	5.00	Director	$0	$0	$0
ALEX DOWNING	Vice President	5.00	Officer Director	$0	$0	$0
DOC MEREDITH	Director	5.00	Director	$0	$0	$0
MARK RUSS	Director	3.00	Director	$0	$0	$0
COREY CRAIG	Director	5.00	Director	$0	$0	$0
KATHY SAMPLES	Director	5.00	Director	$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	$285,803	$228,868	$439,181	$56,935
2024	$278,360	$232,153	$382,246	$46,207
2023	$254,047	$220,850	$336,039	$33,197
2022	$202,026	$217,387	$302,842	$-15,361

Bluegrass Bankers Association Inc