Louisiana Central Credit Union (EIN 720502575) - 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

1942

Legal Domicile

Phone

5047330789

Tax Period

2025-01-01 to 2025-12-31

Louisiana Central Credit Union, founded in 1942, is a small nonprofit that reported $755K in total revenue in fiscal year 2025. Revenue decreased 14% compared to the prior year. Expenses of $1.3M exceeded revenue, resulting in a 67% operating deficit.

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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 $0

Program Service Revenue $663,719

Investment Income $90,962

Other Revenue $0

TOTAL REVENUE $754,681

Expense Breakdown

Grants Paid $0

Salaries & Benefits $259,575

Fundraising Expenses $0

Program Expenses $1,262,108

Other Expenses $1,002,533

TOTAL EXPENSES $1,262,108

Year-over-Year Comparison

	2025	2024	Change
Revenue	$754,681	$880,847	-0.1%
Expenses	$1,262,108	$786,251	+0.6%
Net Income	$-507,427	$94,596	-6.4%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Rose Orgeron	Director	0.30	Director	$0	$0	$0
Stephanie Prunty	Chairperson	0.30	Officer	$0	$0	$0
Connie Kennelly	Vice-Chairperson	0.30	Officer	$0	$0	$0
Effie Chaison	Financial Officer	0.30	Officer	$0	$0	$0
Greg Rupert	Secretary	0.30	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	$754,681	$1,262,108	$9,768,317	$-507,427
2024	$880,847	$786,251	$10,627,833	$94,596
2023	$874,628	$772,003	$12,130,892	$102,625
2022	$874,449	$736,900	$13,055,919	$137,549
2021	$897,508	$645,612	$13,783,074	$251,896
2020	$889,021	$819,112	$13,910,112	$69,909
2019	$1,107,362	$1,106,287	$12,686,963	$1,075
2018	$1,145,398	$1,066,327	$12,803,726	$79,071

Louisiana Central Credit Union