Louisiana Credit Union League (EIN 720244197) - 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

1948

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

Louisiana Credit Union League, founded in 1948, is a community nonprofit that reported $2.1M in total revenue in fiscal year 2023. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $2.0M left a modest 5% surplus.

Mission

Services to Credit Unions

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,894,514

Investment Income $175,941

Other Revenue $0

TOTAL REVENUE $2,070,455

Expense Breakdown

Grants Paid $0

Salaries & Benefits $847,095

Fundraising Expenses $0

Program Expenses $1,269,380

Other Expenses $1,125,262

TOTAL EXPENSES $1,972,357

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,070,455	$1,815,171	+0.1%
Expenses	$1,972,357	$1,686,814	+0.2%
Net Income	$98,098	$128,357	-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

N/A

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

$162,269

Total Directors

$162,269

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Juan Fernandez Ceballos	CEO	40.00	Officer Director	$162,269	$0	$162,269
Rhonda Hotard	Director	2.00	Director	$0	$0	$0
Rodney Parker	Director	2.00	Director	$0	$0	$0
Brian Burton	Director	2.00	Director	$0	$0	$0
Chris Chelette	Director	2.00	Director	$0	$0	$0
Lawoka Bolden	Director	2.00	Director	$0	$0	$0
Jim Perkins	Director	2.00	Director	$0	$0	$0
Crystal White	Director	2.00	Director	$0	$0	$0
Mark Matthews	Director	2.00	Director	$0	$0	$0
Joyce Butler	Director	2.00	Director	$0	$0	$0
Steve Webb	Director	2.00	Director	$0	$0	$0
Patrick Gullatt	Director	2.00	Director	$0	$0	$0
Chris Maurer	Director	2.00	Director	$0	$0	$0
Ken Gardner	Director	2.00	Director	$0	$0	$0
Helen Delin	Director	2.00	Director	$0	$0	$0
Judy Delucca	Director	2.00	Director	$0	$0	$0
Glenda Rushe	Director	2.00	Director	$0	$0	$0
Pam Stelly	Director	2.00	Director	$0	$0	$0
Lindsay Risinger	Director	2.00	Director	$0	$0	$0
Ann Brewer	Director	2.00	Director	$0	$0	$0
Joshua Poole	Director	2.00	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
2024	No data	No data	No data	No data
2023	$2,070,455	$1,972,357	$5,036,765	$98,098
2022	$1,815,171	$1,630,628	$7,412,346	$184,543
2022	$1,815,171	$1,686,814	$5,943,081	$128,357
2021	$1,521,291	$1,424,778	$6,420,908	$96,513
2021	$1,521,291	$1,424,778	$5,007,829	$96,513
2020	$1,065,524	$883,314	$6,864,795	$182,210
2020	$1,788,554	$1,403,907	$6,241,090	$384,647
2019	$1,751,733	$1,237,951	$6,018,764	$513,782

Louisiana Credit Union League