Blue Flame Credit Union (EIN 630357412) - 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

1954

Legal Domicile

Principal Officer

Jackie Wiley

Phone

2514504804

Tax Period

2025-01-01 to 2025-12-31

Blue Flame Credit Union, founded in 1954, is a small nonprofit that reported $342K in total revenue in fiscal year 2018. Net assets of $1.2M represent 42 months of operating reserves.

Mission

To provide thrift opportunities and low cost loans to members

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $295,650

Investment Income $221,865

Other Revenue $46,953

TOTAL REVENUE $564,468

Expense Breakdown

Grants Paid $0

Salaries & Benefits $201,382

Fundraising Expenses $0

Other Expenses $274,953

TOTAL EXPENSES $476,335

Year-over-Year Comparison

	2025	2024	Change
Revenue	$564,468	$572,671	0.0%
Expenses	$476,335	$456,404	+0.0%
Net Income	$88,133	$116,267	-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

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
Pat McKeown	President	001.00	Director	$0	$0	$0
David Alex Haupt	Vice-President	001.00	Director	$0	$0	$0
Peter Keegan	Treasurer	001.00	Director	$0	$0	$0
Lorna Hodges	Secretary	001.00	Director	$0	$0	$0
Kevin Muscat	Member	001.00	Director	$0	$0	$0
Jackie Wiley	Manager	040.00	Officer	$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	$564,468	$476,335	$10,185,807	$88,133
2024	$572,671	$456,404	$9,921,255	$116,267
2023	$459,464	$383,530	$9,658,572	$75,934
2022	$378,093	$294,689	$9,922,204	$83,404
2021	$341,590	$309,228	$9,689,381	$32,362
2020	$352,286	$371,800	$8,535,270	$-19,514
2019	$390,475	$362,390	$7,687,234	$28,085
2018	$342,436	$342,316	$7,578,365	$120

Blue Flame Credit Union