Big Bend Electric Cooperative Inc

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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

1939

Legal Domicile

Principal Officer

John Francisco

Phone

5096591700

Tax Period

2025-01-01 to 2025-12-31

Big Bend Electric Cooperative Inc, founded in 1939, is a mid-sized nonprofit that reported $48.6M in total revenue in fiscal year 2025.

Mission

Sale of Electric Energy

Program Service Accomplishments

Program 1

SUPPLY OF ELECTRIC ENERGY TO RURAL CUSTOMERS IN SPARSELY POPULATED AREAS

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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 $47,732,711

Investment Income $707,522

Other Revenue $156,640

TOTAL REVENUE $48,596,873

Expense Breakdown

Grants Paid $0

Salaries & Benefits $10,395,114

Fundraising Expenses $0

Other Expenses $30,891,971

TOTAL EXPENSES $47,878,791

Year-over-Year Comparison

	2025	2024	Change
Revenue	$48,596,873	$45,355,981	+0.1%
Expenses	$47,878,791	$44,256,780	+0.1%
Net Income	$718,082	$1,099,201	-0.3%

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

$915,467

Total Directors

$172,245

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
John Francisco	Gen. Mgr./CEO	50.00	Officer	$378,550	$122,095	$500,645
Yvette Armstrong	Gen. Mgr./CEO	50.00	Officer	$321,254	$25,179	$346,433
Christina Wyatt	Power Supply Mgr	50.00		$197,061	$102,616	$299,677
Chris Cable	IT Manager	50.00		$199,245	$88,889	$288,134
Thomas Ramirez	Serviceman	50.00		$196,705	$78,279	$274,984
Jake Hart	Serviceman	50.00		$186,184	$68,071	$254,255
Pat Lyman	Foreman	50.00		$191,873	$43,208	$235,081
Stacy Kniveton	President	6.00	Officer Director	$17,923	$0	$17,923
Kallie Harder	Treasurer	6.00	Officer Director	$17,222	$0	$17,222
Rhody Hayes	Trustee	6.00	Director	$16,922	$0	$16,922
Greg Galbreath	Vice President	6.00	Officer Director	$16,622	$0	$16,622
Brandon Spencer	Secretary	6.00	Officer Director	$16,622	$0	$16,622
Dennis Swinger Sr	Trustee	6.00	Director	$16,622	$0	$16,622
Burl Booker	Trustee	6.00	Director	$16,622	$0	$16,622
Ken Story	Trustee	6.00	Director	$16,522	$0	$16,522
Curtis Dahl	Retired	6.00	Director	$16,072	$0	$16,072
John Harder	Retired	6.00	Director	$15,522	$0	$15,522
Sheldon Horst	Trustee	6.00	Director	$5,574	$0	$5,574

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	$48,596,873	$47,878,791	$98,907,198	$718,082
2024	No data	No data	No data	No data
2023	$43,592,746	$42,890,158	$87,649,795	$702,588
2022	$40,570,764	$40,229,749	$79,348,668	$341,015
2021	$40,611,913	$40,313,640	$77,547,194	$298,273
2020	$39,639,860	$39,278,099	$67,222,334	$361,761
2019	$36,703,265	$36,306,452	$65,541,570	$396,813
2018	$36,018,860	$35,618,712	$65,639,090	$400,148