AMERICAN BAPTIST ASSOCIATION CREDIT UNION (EIN 741661160) - 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

1970

Legal Domicile

Principal Officer

Julie Knight

Phone

2812456887

Tax Period

2025-01-01 to 2025-12-31

AMERICAN BAPTIST ASSOCIATION CREDIT UNION, founded in 1970, is a micro nonprofit that reported $86K in total revenue in fiscal year 2025. Expenses of $99K exceeded revenue, resulting in a 15% operating deficit.

Mission

The organizations mission is to encourage thrift amoungst its members provide credit as a fair and reasonable rate of interest and provide an opportunity to improve members economic condition

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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 $68,823

Investment Income $17,356

Other Revenue $0

TOTAL REVENUE $86,179

Expense Breakdown

Grants Paid $0

Salaries & Benefits $35,795

Fundraising Expenses $0

Program Expenses $0

Other Expenses $63,107

TOTAL EXPENSES $98,902

Year-over-Year Comparison

	2025	2024	Change
Revenue	$86,179	$90,238	0.0%
Expenses	$98,902	$91,837	+0.1%
Net Income	$-12,723	$-1,599	+7.0%

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

$32,524

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Mark Smith	Board Member	0.00	Director	$0	$0	$0
David Taylor	Director	0.00	Director	$0	$0	$0
Kenneth Myrick	Board Member	0.00	Director	$0	$0	$0
Wanda Adams	Audit Committee	0.00	Director	$0	$0	$0
Julie Knight	President	25.00	Key Emp	$32,524	$0	$32,524
Daniel Mendoza	Board Member	0.00	Director	$0	$0	$0
Aubrey Adams	Board Member	0.00	Director	$0	$0	$0
Dave Parks	Board Member	0.00	Director	$0	$0	$0
Justin Gatlin	Board Member	0.00	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	$86,179	$98,902	$1,758,413	$-12,723
2024	$90,238	$91,837	$1,478,376	$-1,599
2023	$85,142	$78,071	$1,627,996	$7,071
2022	$76,979	$76,343	$1,864,696	$636
2021	$74,191	$75,458	$2,183,583	$-1,267
2020	$76,284	$102,438	$2,156,188	$-26,154

AMERICAN BAPTIST ASSOCIATION CREDIT UNION