BAPTIST CREDIT UNION

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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

1955

Legal Domicile

Principal Officer

NICK HOLGUIN

Phone

2105250100

Tax Period

2025-01-01 to 2025-12-31

BAPTIST CREDIT UNION, founded in 1955, is a community nonprofit that reported $4.4M in total revenue in fiscal year 2025. Revenue surged 21% from the prior year, signaling strong growth momentum. The organization ran a surplus of $685K, a strong 16% operating margin.

Mission

BAPTIST CREDIT UNION EXISTS TO IMPROVE MEMBERS LIVES THROUGH EXTRAORDINARY SERVICE, QUALITY FINANCIAL PRODUCTS AND SERVICES, PERSONAL FINANCIAL EDUCATION, AND A LONG TERM RELATIONSHIP WITH THE CU.

Program Service Accomplishments

Program 1

BAPTIST CREDIT UNION OFFERS ALL TYPES OF LOAN PRODUCTS AT COMPETITIVE RATES

Program 2

BAPTIST CREDIT UNION OFFERS DEPOSIT PRODUCTS AT COMPETITIVE RATES

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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 $3,902,807

Investment Income $476,777

Other Revenue $0

TOTAL REVENUE $4,379,584

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,538,427

Fundraising Expenses $0

Other Expenses $2,156,058

TOTAL EXPENSES $3,694,485

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,379,584	$3,624,487	+0.2%
Expenses	$3,694,485	$3,454,358	+0.1%
Net Income	$685,099	$170,129	+3.0%

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

$173,020

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HARVEY FOEGELLE	BOARD CHAIR	0.50	Officer Director	$0	$0	$0
ANNA FLORES	VICE CHAIR	0.50	Officer Director	$0	$0	$0
MARY TOTH	SECRETARY	0.50	Officer Director	$0	$0	$0
ROBERT SCOFIELD	TREASURER	0.50	Officer Director	$0	$0	$0
PETE VILLAREAL	MEMBER	0.50	Director	$0	$0	$0
BILL ARNOLD	MEMBER	0.50	Director	$0	$0	$0
KRISTEN RAY	MEMBER	0.50	Director	$0	$0	$0
JAMES BENITEZ	MEMBER	0.50	Director	$0	$0	$0
NICOLAS HOLGUIN	PRESIDENT/CEO	40.00	Key Emp Highest	$173,020	$0	$173,020

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	$4,379,584	$3,694,485	$53,832,093	$685,099
2024	$3,624,487	$3,454,358	$52,488,924	$170,129
2023	$3,249,535	$3,074,569	$48,818,218	$174,966
2022	$2,937,381	$2,739,202	$49,159,061	$198,179
2021	$2,637,130	$2,415,636	$47,813,661	$221,494
2020	$2,642,296	$2,564,604	$44,117,363	$77,692
2019	$2,671,875	$2,589,603	$37,798,085	$82,272
2018	$2,523,947	$2,450,955	$34,314,331	$72,992