BRAZOS VALLEY SCHOOLS CREDIT UNION (EIN 741397874) - 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

1954

Legal Domicile

Principal Officer

YVONNE KERSHNER

Phone

2813912149

Tax Period

2023-01-01 to 2023-12-31

BRAZOS VALLEY SCHOOLS CREDIT UNION, founded in 1954, is a mid-sized nonprofit that reported $45.5M in total revenue in fiscal year 2023. Net assets of $92.9M represent 24 months of operating reserves.

Mission

COOPERATIVE PROVIDER OF CREDIT UNION FINANCIAL SERVICES TO QUALIFIED 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $36,498,044

Investment Income $9,015,608

Other Revenue $26,159

TOTAL REVENUE $45,539,811

Expense Breakdown

Grants Paid $13,000

Salaries & Benefits $12,969,102

Fundraising Expenses $0

Other Expenses $31,425,326

TOTAL EXPENSES $44,407,428

Year-over-Year Comparison

	2023	2022	Change
Revenue	$45,539,811	$44,696,240	+0.0%
Expenses	$44,407,428	$31,045,794	+0.4%
Net Income	$1,132,383	$13,650,446	-0.9%

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

230

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

$830,427

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL GRIFFIN	CHAIRPERSON	1.00	Director	$0	$0	$0
KATHY KUBELKA	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
VICKI DELGADO	SECRETARY	1.00	Director	$0	$0	$0
A MELVIN NASH	TREASURER	1.00	Director	$0	$0	$0
JOE SIMMONS	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL MADDEN	DIRECTOR	1.00	Director	$0	$0	$0
OD TOMPKINS	DIRECTOR	1.00	Director	$0	$0	$0
YVONNE KERSHNER	PRESIDENT/CEO	40.00	Officer	$543,750	$27,901	$571,651
COURTNEY POOLE	CFO	40.00	Officer	$238,139	$20,637	$258,776
CHRISTINA FRITH	CMEO	40.00	Highest	$220,320	$19,019	$239,339
JAMES CUSHING	VP OPERATIONS	40.00	Highest	$157,100	$17,111	$174,211
ANDREA MAESTRETTI	VP HUMAN RESOURCES	40.00	Highest	$148,788	$17,111	$165,899
DIANE DAVIS	VP BRANCH OPERATIONS	40.00	Highest	$140,115	$31,333	$171,448
CHELSEA WOOTEN	VP LENDING	40.00	Highest	$136,884	$21,956	$158,840

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
2024	No data	No data	No data	No data
2023	$45,539,811	$44,407,428	$961,668,793	$1,132,383
2022	$44,696,240	$31,045,794	$984,706,285	$13,650,446
2021	$33,585,386	$28,962,814	$982,088,241	$4,622,572
2020	$33,004,953	$31,022,604	$907,673,647	$1,982,349
2019	$33,784,448	$29,147,885	$793,742,066	$4,636,563
2018	$31,250,023	$25,761,322	$720,387,537	$5,488,701

BRAZOS VALLEY SCHOOLS CREDIT UNION