Cabot Employees Credit Union of Franklin La (EIN 720485302) - 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

1955

Legal Domicile

Principal Officer

Dana Judice

Phone

3378362219

Tax Period

2025-01-01 to 2025-12-31

Cabot Employees Credit Union of Franklin La, founded in 1955, is a micro nonprofit that reported $60K in total revenue in fiscal year 2025. Revenue decreased 18% compared to the prior year. Expenses of $103K exceeded revenue, resulting in a 70% operating deficit.

Mission

To provide an affordable source of savings and loan for the 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 $11,442

Program Service Revenue $48,978

Investment Income $0

Other Revenue $0

TOTAL REVENUE $60,420

Expense Breakdown

Grants Paid $0

Salaries & Benefits $23,798

Fundraising Expenses $0

Program Expenses $102,814

Other Expenses $79,016

TOTAL EXPENSES $102,814

Year-over-Year Comparison

	2025	2024	Change
Revenue	$60,420	$73,508	-0.2%
Expenses	$102,814	$72,062	+0.4%
Net Income	$-42,394	$1,446	-30.3%

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

Total Directors

Key Employees

$22,100

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Dana Judice	Manager	15	Key Emp Highest	$22,100	$0	$22,100
Sharon Fletcher	President	1	Officer Director	$0	$0	$0
Courtney Revett	Vice President	1	Officer Director	$0	$0	$0
Angela Samanie	Treasurer	1	Officer Director	$0	$0	$0
Quincy DeJean	Director	1	Director	$0	$0	$0
Eric Gorman	Director	1	Director	$0	$0	$0
Barbara Hebert	Director	1	Director	$0	$0	$0
Catherine Roy	Director	1	Director	$0	$0	$0
Kelly Louviere	Supervisory Committee Chairman	1	Officer Director	$0	$0	$0
Cynthia Pusateri	Credit Committee Chairman	1	Officer Director	$0	$0	$0
Tony Caro	Supervisory Committee Member	0	Director	$0	$0	$0
Rance Ingram	Supervisory Committee Member	0	Director	$0	$0	$0
Ruth Ortego	Credit Committee Member	0	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
2025	$60,420	$102,814	$1,255,426	$-42,394
2024	No data	No data	No data	No data
2023	$67,778	$33,659	$1,258,757	$34,119
2022	$42,012	$41,665	$1,378,856	$347
2021	$55,995	$55,966	$1,624,443	$29
2020	$69,873	$69,782	$1,735,584	$91

Cabot Employees Credit Union of Franklin La