STATE CHARTERED CREDIT UNIONS IN LOUISIANA POST OFFICE EMPLYS C U OF N O (EIN 720291035) - 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

1924

Legal Domicile

Phone

5048856871

Tax Period

2024-01-01 to 2024-12-31

STATE CHARTERED CREDIT UNIONS IN LOUISIANA POST OFFICE EMPLYS C U OF N O, founded in 1924, is a community nonprofit that reported $2.8M in total revenue in fiscal year 2024. Revenue decreased 13% compared to the prior year. Expenses of $2.5M left a modest 9% surplus.

Mission

Provide credit union members with competitive loan and saving opportunities

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,587,887

Investment Income $668,275

Other Revenue $526,965

TOTAL REVENUE $2,783,127

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,133,375

Fundraising Expenses $0

Program Expenses $2,530,758

Other Expenses $1,397,383

TOTAL EXPENSES $2,530,758

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,783,127	$3,205,936	-0.1%
Expenses	$2,530,758	$2,689,421	-0.1%
Net Income	$252,369	$516,515	-0.5%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Michelle C Duhe	CEO	40	Highest	$177,088	$0	$177,088
Louis Adams	Associate Director	1.00	Director	$0	$0	$0
Joseph Battaglia	Chairperson	1.00	Officer Director	$0	$0	$0
Joseph Lopinto	Vice Chairperson	1.00	Officer Director	$0	$0	$0
Kristy Adam	Board Member	1.00	Officer Director	$0	$0	$0
Dennis Brouphy	Board Member	1.00	Officer Director	$0	$0	$0
Sidney A Parfait	Board Member	1.00	Director	$0	$0	$0
Micheael L Shillington	Board Member	1.00	Director	$0	$0	$0
Terry M Kennard	Board Member	1.00	Director	$0	$0	$0
Charles W Candilora	Supervisory Committee	1.00	Director	$0	$0	$0
Anthony J Ruda	Supervisory Committee	1.00	Director	$0	$0	$0
Gail Snakenberg	Supervisory Committee	1.00	Director	$0	$0	$0
Charles C Holdan	Director Emeritus	1.00	Director	$0	$0	$0
ernest J Partfait	Associate Board Member	1.00	Director	$0	$0	$0
Jennifer Brehm	Associate Director	1	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	$2,783,127	$2,530,758	$50,116,037	$252,369
2023	$3,205,936	$2,689,421	$49,546,940	$516,515
2022	$2,319,892	$2,380,736	$52,582,620	$-60,844
2021	$2,381,546	$2,019,174	$54,319,985	$362,372
2020	$2,428,694	$2,093,811	$46,292,788	$334,883

STATE CHARTERED CREDIT UNIONS IN LOUISIANA POST OFFICE EMPLYS C U OF N O