Baylor Health Care System Credit Union (EIN 751058426) - 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

1957

Legal Domicile

Principal Officer

Delana Huling

Phone

4696764400

Tax Period

2025-01-01 to 2025-12-31

Baylor Health Care System Credit Union, founded in 1957, is a community nonprofit that reported $3.8M in total revenue in fiscal year 2025. The organization ran a surplus of $625K, a strong 16% operating margin.

Mission

BHCSCU is a member-owned financial institution whose purpose is to promote the financial well- being of its members by providing comprehensive financial services

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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 $2,848,176

Investment Income $901,557

Other Revenue $78,063

TOTAL REVENUE $3,827,796

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,406,294

Fundraising Expenses $0

Other Expenses $1,796,488

TOTAL EXPENSES $3,202,782

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,827,796	$3,889,094	0.0%
Expenses	$3,202,782	$3,336,381	0.0%
Net Income	$625,014	$552,713	+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

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

$304,776

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LaVone Arthur	Chairman	1.00	Officer Director	$0	$0	$0
Keith Holtz	Vice-Chair	1.00	Officer Director	$0	$0	$0
Bethany Ferguson	Secretary	1.00	Officer Director	$0	$0	$0
Ray Bunyard	Treasurer	1.00	Officer Director	$0	$0	$0
Pat Brown	Director	1.00	Director	$0	$0	$0
Jeshahnton Essex	Director	1.00	Director	$0	$0	$0
Luz Tolentino	Director	1.00	Director	$0	$0	$0
Delana Huling	CEO	40.00	Officer	$198,715	$0	$198,715
Kelly Burns	Former VP Accounting	40.00	Officer	$106,061	$0	$106,061

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	$3,827,796	$3,202,782	$81,192,060	$625,014
2024	$3,889,094	$3,336,381	$80,331,606	$552,713
2023	$4,076,245	$3,190,517	$83,301,618	$885,728
2022	$3,694,548	$2,964,167	$92,098,424	$730,381
2022	$3,694,548	$2,964,167	$92,098,424	$730,381
2021	$3,459,403	$2,981,534	$91,130,224	$477,869
2020	$3,492,448	$2,673,257	$85,866,852	$819,191
2019	$3,740,518	$2,858,866	$76,173,286	$881,652
2018	$3,375,436	$2,510,859	$74,712,625	$864,577

Baylor Health Care System Credit Union