American Baptist Association Credit Union
| Fiscal year | Revenue | Expenses | Net | Reserve mo. | Staff % |
|---|---|---|---|---|---|
| 2011 | 72,418 | 80,656 | −8,238 | 24.7 | 42% |
| 2012 | 80,864 | 73,547 | 7,317 | 28.2 | 46% |
| 2013 | 74,854 | 62,495 | 12,359 | 35.5 | 43% |
| 2014 | 78,562 | 72,915 | 5,647 | 31.3 | 41% |
| 2015 | 87,565 | 80,578 | 6,987 | 29.3 | 37% |
| 2016 | 91,784 | 89,254 | 2,530 | 26.8 | 33% |
| 2017 | 92,911 | 105,139 | −12,228 | 20.7 | 29% |
| 2018 | 105,695 | 96,703 | 8,992 | 23.6 | 32% |
| 2019 | 85,046 | 78,850 | 6,196 | 29.9 | 40% |
| 2020 | 76,284 | 102,438 | −26,154 | 19.9 | 30% |
| 2021 | 74,191 | 75,458 | −1,267 | 26.9 | 41% |
| 2023 | 85,142 | 78,071 | 7,071 | 27.2 | 40% |
In its most recent public year (2023), this organization brought in $7,071 more than it spent. Its reserves stood at about 27.2 months of spending, up from 24.7 in 2011. Staff pay was 40% 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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