BLUE MOUNTAIN CREDIT UNION (EIN 910722102) - 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

1959

Legal Domicile

Phone

5095264562

Tax Period

2024-01-01 to 2024-12-31

BLUE MOUNTAIN CREDIT UNION, founded in 1959, is a community nonprofit that reported $3.2M in total revenue in fiscal year 2024. The organization ran a surplus of $623K, a strong 19% operating margin.

Mission

Provide financial services to members in accordance with the Washington State Credit Union Act.

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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 $3,206,617

Investment Income $0

Other Revenue $0

TOTAL REVENUE $3,206,617

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,099,284

Fundraising Expenses $0

Program Expenses $2,583,306

Other Expenses $1,081,539

TOTAL EXPENSES $2,583,306

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,206,617	$3,117,328	+0.0%
Expenses	$2,583,306	$2,398,079	+0.1%
Net Income	$623,311	$719,249	-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

Total Directors

Key Employees

$199,657

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
James Drake	President/CEO	40	Key Emp Highest	$199,657	$0	$199,657
JoAnn Wiggins	Board Vice Chair	1	Officer Director	$0	$0	$0
Susan Brookins	Board Chair	2	Officer Director	$0	$0	$0
Ruben Murcia	Board Member	1	Director	$0	$0	$0
Brian Gomez	Board Secretary	2	Officer Director	$0	$0	$0
Darral Payne	Board Member	1	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	$3,206,617	$2,583,306	$53,992,498	$623,311
2023	$3,117,328	$2,398,079	$51,149,725	$719,249
2022	$2,311,126	$1,854,596	$53,556,289	$456,530
2021	$1,890,422	$1,429,067	$49,145,976	$461,355
2020	$1,684,019	$1,406,078	$41,165,527	$277,941
2019	$1,563,218	$1,316,857	$34,632,534	$246,361
2018	$1,564,365	$1,311,421	$33,977,355	$252,944

BLUE MOUNTAIN CREDIT UNION