B & V Credit Union
| Fiscal year | Revenue | Expenses | Net | Reserve mo. | Staff % |
|---|---|---|---|---|---|
| 2011 | 1,572,699 | 1,275,720 | 296,979 | 60.2 | 15% |
| 2012 | 1,333,562 | 1,107,219 | 226,343 | 71.4 | 16% |
| 2013 | 1,197,788 | 900,856 | 296,932 | 75.6 | 18% |
| 2014 | 1,197,706 | 963,195 | 234,511 | 84.1 | 19% |
| 2015 | 1,221,271 | 920,814 | 300,457 | 93.8 | 22% |
| 2016 | 1,202,059 | 851,264 | 350,795 | 104.5 | 25% |
| 2017 | 1,312,226 | 999,919 | 312,307 | 93.6 | 24% |
| 2018 | 1,444,429 | 1,242,187 | 202,242 | 76.6 | 21% |
| 2019 | 1,560,661 | 1,484,471 | 76,190 | 66.8 | 19% |
| 2020 | 1,431,797 | 1,257,486 | 174,311 | 81.0 | 22% |
| 2021 | 1,181,850 | 1,045,341 | 136,509 | 93.5 | 26% |
| 2022 | 1,236,714 | 1,199,538 | 37,176 | 82.9 | 23% |
| 2023 | 1,247,112 | 1,915,107 | −667,995 | 48.0 | 15% |
In its most recent public year (2023), this organization spent $667,995 more than it brought in. Its reserves stood at about 48 months of spending, down from 60.2 in 2011. Staff pay was 15% of spending.
Reserve months = net assets ÷ average monthly spending; net assets count everything the organization owns beyond its debts — buildings and donor-restricted funds included, not just cash. Staff pay = salaries, wages, and officer compensation; it excludes benefits and payroll taxes. The IRS releases this data years after the fact — this organization's newest public year is 2023. Years refer to the calendar year in which the organization's fiscal year ended. Short-form filers do not publicly report donor-restricted balances or staffing costs. Source filings
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