ZUnclassifiedEIN: 410800286· Ruling Year: 1944

Brainerd B N Credit Union

Brainerd, Minnesota

B+Health Score
72B+

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Good

How This Organization Compares

Compared to 22 peers in Unclassified with $1M-$10M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org3.34×
Peer Median15.40×
💰
$4.5M
Total Revenue
📊
$3.5M
Total Expenses
🏦
$11.8M
Net Assets
📋
$91.7M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+59.2%
Year-over-year change (2022 → 2023)
Net Margin
+21.8%
Revenue minus expenses as % of revenue
Working Capital Ratio
3.34
Net assets divided by total expenses
Liabilities-to-Assets
88.6%
Total liabilities as % of total assets

Filing History

13 filings on record
YearRevenueExpensesAssets
2023$4,499,77759%$3,517,29051%$103,465,3477%
2022$2,826,0592%$2,327,2806%$97,066,9781%
2021$2,872,6991%$2,192,65414%$95,654,2778%
2020$2,855,2526%$2,557,0734%$88,532,68111%
2019$3,030,55310%$2,654,40715%$80,108,1447%
2018$2,745,24114%$2,302,57311%$74,758,8041%
2017$2,406,1613%$2,070,1081%$73,963,8411%
2016$2,340,2087%$2,088,5746%$73,182,7176%
2015$2,185,3431%$1,977,7003%$69,247,3107%
2014$2,153,096$1,916,7274%$64,593,0272%
2013$2,152,2064%$1,994,0942%$63,160,5972%
2012$2,234,5625%$2,044,45510%$62,016,2363%
2011$2,345,370$2,265,499$60,259,904

Frequently Asked Questions

What does Brainerd B N Credit Union do?

Brainerd B N Credit Union is a unclassified nonprofit organization based in Minnesota. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is Brainerd B N Credit Union financially healthy?

Based on our 9-metric Financial Health Score model, Brainerd B N Credit Union has a score of 72/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Brainerd B N Credit Union generate?

Brainerd B N Credit Union reports $5.6M in annual revenue and holds $110.5M in total assets, based on IRS filings.

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