TANGIPAHOA PARISH TEACHERS CREDIT UNION (EIN 720500278) - 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

1946

Legal Domicile

Principal Officer

DIXIE PEREZ

Phone

9852842030

Tax Period

2024-01-01 to 2024-12-31

TANGIPAHOA PARISH TEACHERS CREDIT UNION, founded in 1946, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2024. Revenue grew 18% year-over-year, indicating healthy expansion. The organization ran a surplus of $186K, a strong 16% operating margin.

Mission

MUTUALLY OWNED NOT FOR PROFIT FINANCIAL COOPERATIVE. PROVIDE MEMBERS WITH AFFORDABLE SOUCES OF SAVINGS AND CREDIT

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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 $1,160,103

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,160,103

Expense Breakdown

Grants Paid $0

Salaries & Benefits $349,523

Fundraising Expenses $0

Program Expenses $962,506

Other Expenses $624,497

TOTAL EXPENSES $974,020

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,160,103	$983,118	+0.2%
Expenses	$974,020	$901,648	+0.1%
Net Income	$186,083	$81,470	+1.3%

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

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

$96,587

Total Directors

$6,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DIXIE PEREZ	MANAGER	40.00	Officer	$90,387	$0	$90,387
THOMAS BELLAVIA	President	5.00	Officer Director	$6,200	$0	$6,200
LOUIS JOSEPH	Secretary	1.00	Officer Director	$0	$0	$0
NIC LABARBERA	BOARD MEMBER	1.00	Director	$0	$0	$0
SANDRA TURNER	BOARD MEMBER	1.00	Director	$0	$0	$0
MARK KOLWE	BOARD MEMBER	1.00	Director	$0	$0	$0
LISA FUSSELL	BOARD MEMBER	1.00	Director	$0	$0	$0
VIRGIL ALLEN	Vice President	1.00	Officer 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	$1,160,103	$974,020	$30,358,288	$186,083
2023	$983,118	$901,648	$30,224,409	$81,470
2022	$882,450	$707,234	$31,455,692	$175,216
2021	$965,890	$686,130	$32,133,060	$279,760
2020	$1,025,605	$703,917	$30,794,655	$321,688
2019	$976,165	$662,692	$29,505,657	$313,473
2018	$964,113	$740,270	$29,238,538	$223,843

TANGIPAHOA PARISH TEACHERS CREDIT UNION