Southwest Louisiana Credit Union (EIN 720454922) - 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

1952

Legal Domicile

Phone

3374779190

Tax Period

2025-01-01 to 2025-12-31

Southwest Louisiana Credit Union, founded in 1952, is a mid-sized nonprofit that reported $16.5M in total revenue in fiscal year 2025. Expenses of $15.2M left a modest 8% surplus.

Mission

Helping members with their financial needs

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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 $500,053

Program Service Revenue $10,291,798

Investment Income $268,456

Other Revenue $5,398,195

TOTAL REVENUE $16,458,502

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,176,844

Fundraising Expenses $0

Program Expenses $15,211,559

Other Expenses $10,034,715

TOTAL EXPENSES $15,211,559

Year-over-Year Comparison

	2025	2024	Change
Revenue	$16,458,502	$15,491,542	+0.1%
Expenses	$15,211,559	$15,173,782	+0.0%
Net Income	$1,246,943	$317,760	+2.9%

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

$926,820

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Chad Miller	Chief Executive Officer	40.00	Officer	$277,083	$26,787	$303,870
Angie Bellow	Chief Administrative Officer	40.00	Officer	$139,357	$17,733	$157,090
Shelley Flores	Chief Operations Officer	40.00	Officer	$117,657	$10,395	$128,052
Christina Davis	Chief Learning Officer	40.00	Officer	$105,965	$11,405	$117,370
Linda Sterling	Chief Revenue Officer	40.00	Officer	$101,363	$12,517	$113,880
Jon Georgiades	Chief Information Officer	40.00	Officer	$99,259	$7,299	$106,558
Michael Dronet	Board Member	2.00	Director	$0	$0	$0
Kevin Istre	Board Member	2.00	Director	$0	$0	$0
William Wilkie	Treasurer	2.00	Officer Director	$0	$0	$0
Alton Childs	Secretary	2.00	Officer Director	$0	$0	$0
Robert Collins	Chairperson	2.00	Officer Director	$0	$0	$0
Donna Smith	Board Member	2.00	Director	$0	$0	$0
Gene Steech	Board Member	2.00	Director	$0	$0	$0
Renee Davis	Supervisory Committee Member	2.00	Director	$0	$0	$0
Terry Swire	Board Member	2.00	Director	$0	$0	$0
Cheyanna Glyenn	Supervisory Committee Member	2.00	Director	$0	$0	$0
Kenneth Thomas	Supervisory Committee Member	2.00	Director	$0	$0	$0
Chris Edwards	Vice Chairperson	2.00	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	$16,458,502	$15,211,559	$177,814,502	$1,246,943
2024	No data	No data	No data	No data
2023	$14,677,259	$13,811,885	$171,969,478	$865,374
2022	$14,658,995	$11,804,489	$172,091,572	$2,854,506
2021	$12,096,894	$9,444,757	$153,121,704	$2,652,137
2020	$10,306,924	$9,714,567	$157,912,866	$592,357
2019	$9,929,091	$8,978,720	$106,029,259	$950,371
2018	$8,875,308	$7,647,093	$103,989,542	$1,228,215

Southwest Louisiana Credit Union