LOUISVILLE FEDERAL CREDIT UNION

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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

1924

Legal Domicile

Principal Officer

TRACYE THOMPSON

Phone

5024582681

Tax Period

2025-01-01 to 2025-12-31

LOUISVILLE FEDERAL CREDIT UNION, founded in 1924, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2025. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $1.2M left a modest 14% surplus.

Mission

CREDIT UNION - TO PROVIDE SERVICES TO APPROXIMATELY 2,206 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.

Program Service Accomplishments

Program 1

Expenses: $834,131

THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS.

Program 2

Expenses: $366,652

THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.

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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 $585,745

Investment Income $747,273

Other Revenue $59,125

TOTAL REVENUE $1,392,143

Expense Breakdown

Grants Paid $0

Salaries & Benefits $456,820

Fundraising Expenses $0

Program Expenses $1,200,783

Other Expenses $743,963

TOTAL EXPENSES $1,200,783

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,392,143	$1,193,557	+0.2%
Expenses	$1,200,783	$1,028,083	+0.2%
Net Income	$191,360	$165,474	+0.2%

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

$152,025

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TRACYE THOMPSON	CEO	40.00	Officer	$135,193	$16,832	$152,025
WILLIAM BARTLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
SUZETTE BOESING	BOARD CHAIR	1.00	Director	$0	$0	$0
JOHN M CLARY	BOARD MEMBER	1.00	Director	$0	$0	$0
JAMES K KIEFER	BOARD VICE C	1.00	Director	$0	$0	$0
STEVE MUELLER	BOARD MEMBER	1.00	Director	$0	$0	$0
CARMEN TYLER	BOARD AND SC	1.00	Director	$0	$0	$0
STEVE WICK	BOARD SEC/TR	1.00	Director	$0	$0	$0
LASZLO SIMONYI	SC MEM	1.00	Officer	$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	$1,392,143	$1,200,783	$32,903,173	$191,360
2024	$1,193,557	$1,028,083	$31,081,512	$165,474
2023	$984,131	$889,600	$31,962,911	$94,531
2022	$933,895	$706,308	$34,231,477	$227,587
2021	$954,283	$779,263	$34,958,624	$175,020
2020	$1,063,970	$859,794	$35,474,712	$204,176
2019	$1,241,466	$869,516	$32,276,890	$371,950
2018	$1,152,408	$979,257	$32,533,948	$173,151