Brazos Star Credit Union (EIN 741465415) - 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

1961

Legal Domicile

Phone

9798467456

Tax Period

2024-01-01 to 2024-12-31

Brazos Star Credit Union, founded in 1961, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2024. Revenue surged 25% from the prior year, signaling strong growth momentum. The organization ran a surplus of $244K, a strong 17% operating margin.

Mission

Credit Union serving the cooperative financial needs of consumers in our community.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,000,159

Investment Income $418,140

Other Revenue $2,344

TOTAL REVENUE $1,420,643

Expense Breakdown

Grants Paid $0

Salaries & Benefits $351,049

Fundraising Expenses $0

Other Expenses $825,194

TOTAL EXPENSES $1,176,243

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,420,643	$1,140,474	+0.2%
Expenses	$1,176,243	$922,152	+0.3%
Net Income	$244,400	$218,322	+0.1%

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
Mary Beth Borroni	President/CEO	40.00		$125,746	$0	$125,746
Linda Jeffress	Secretary	0.00	Officer Director	$0	$0	$0
Fred Bingaman	member	0.00	Director	$0	$0	$0
Johnny Stimson	Asst Treas	0.00	Officer Director	$0	$0	$0
Tara Jackson	Asst Sec	0.00	Officer Director	$0	$0	$0
Arthur Davila	member	0.00	Director	$0	$0	$0
Ron Weiman	Treasurer	0.00	Officer Director	$0	$0	$0
Jubal Hancock	Chairman	0.00	Officer 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	No data	No data	No data	No data
2024	$1,420,643	$1,176,243	$34,501,355	$244,400
2023	$1,140,474	$922,152	$33,794,454	$218,322
2022	$1,125,854	$787,835	$34,065,082	$338,019
2021	$984,136	$708,323	$33,146,750	$275,813
2020	$1,050,347	$774,801	$30,204,972	$275,546
2019	$1,060,008	$692,646	$27,746,378	$367,362
2018	$971,952	$785,658	$25,827,044	$186,294

Brazos Star Credit Union