BEAUMONT COMMUNITY CREDIT UNION (EIN 741284642) - 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

1956

Legal Domicile

Phone

4098991035

Tax Period

2025-01-01 to 2025-12-31

BEAUMONT COMMUNITY CREDIT UNION, founded in 1956, is a community nonprofit that reported $2.0M in total revenue in fiscal year 2025. Expenses of $1.7M left a modest 12% surplus.

Mission

THE CREDIT UNION IS DEDICATED TO PROVIDING SOUND FINANCIAL SERVICES TO ITS MEMBERS IN A PERSONAL AND PROFESSIONAL MANNER.

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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 $1,254,258

Investment Income $696,287

Other Revenue $0

TOTAL REVENUE $1,950,545

Expense Breakdown

Grants Paid $0

Salaries & Benefits $544,139

Fundraising Expenses $0

Other Expenses $1,164,376

TOTAL EXPENSES $1,708,515

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,950,545	$2,019,098	0.0%
Expenses	$1,708,515	$1,448,224	+0.2%
Net Income	$242,030	$570,874	-0.6%

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

$110,656

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EARL WHITE	CHAIRPERSON	0.50	Officer Director	$0	$0	$0
LANE NICHOLS	VICE CHAIR	0.50	Officer Director	$0	$0	$0
JOE HERRERA	SECRETARY	0.50	Officer Director	$0	$0	$0
PAULA LABRIE	TREASURER	0.50	Officer Director	$0	$0	$0
JOHNNY BEATTY	DIRECTOR	0.50	Director	$0	$0	$0
EDDIE MCGRIFF	DIRECTOR	0.50	Director	$0	$0	$0
BRENDA BEADLE	DIRECTOR	0.50	Director	$0	$0	$0
CAREY BALKA	DIRECTOR	0.50	Director	$0	$0	$0
FREDERIC ZENO	DIRECTOR	0.50	Director	$0	$0	$0
ANGEL DIAMANTIS	MANAGER/CEO	40.00	Key Emp Highest	$110,656	$0	$110,656

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	$1,950,545	$1,708,515	$34,448,056	$242,030
2024	$2,019,098	$1,448,224	$31,074,773	$570,874
2023	$1,651,558	$1,265,572	$32,083,099	$385,986
2022	$1,273,853	$1,311,584	$31,800,469	$-37,731
2021	$1,301,388	$1,284,738	$34,988,764	$16,650
2020	$1,471,977	$1,317,823	$34,226,196	$154,154
2019	$1,638,472	$1,422,317	$29,271,207	$216,155
2018	$1,579,050	$1,374,040	$28,460,410	$205,010

BEAUMONT COMMUNITY CREDIT UNION