CALCASIEU TEACHERS & EMPLOYEES CREDIT UNION (EIN 720574910) - 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

1954

Legal Domicile

Principal Officer

Floyd Jesse Busby

Phone

3374334525

Tax Period

2025-01-01 to 2025-12-31

CALCASIEU TEACHERS & EMPLOYEES CREDIT UNION, founded in 1954, is a community nonprofit that reported $3.1M in total revenue in fiscal year 2025. The organization ran a surplus of $484K, a strong 16% operating margin.

Mission

meeting the financial needs of our 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 $0

Program Service Revenue $0

Investment Income $2,871,120

Other Revenue $192,843

TOTAL REVENUE $3,063,963

Expense Breakdown

Grants Paid $0

Salaries & Benefits $881,393

Fundraising Expenses $0

Program Expenses $2,579,776

Other Expenses $1,698,383

TOTAL EXPENSES $2,579,776

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,063,963	$2,956,820	+0.0%
Expenses	$2,579,776	$2,248,710	+0.1%
Net Income	$484,187	$708,110	-0.3%

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

$123,934

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Floyd J Busby	President/CEO	40	Officer Highest	$123,934	$0	$123,934
Craig Barber	Chairman	2	Officer Director	$0	$0	$0
Phyllis Wilson	Vice Chairperson	2	Officer Director	$0	$0	$0
Linda Finley	Secretary/Treasurer	2	Officer Director	$0	$0	$0
Ronal Sweeney	Director	2	Director	$0	$0	$0
Dwaunis Broussard	Director	2	Director	$0	$0	$0
John Miguez Jr	Director	2	Director	$0	$0	$0
Sandra DeWitt	Director	2	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	$3,063,963	$2,579,776	$60,269,530	$484,187
2025	$3,063,963	$2,579,776	$60,269,530	$484,187
2024	$2,956,820	$2,248,710	$56,879,532	$708,110
2023	$2,656,700	$1,835,024	$60,527,775	$821,676
2022	$1,751,287	$1,378,718	$64,785,463	$372,569
2021	$1,215,788	$1,026,351	$48,155,706	$189,437
2020	$1,201,321	$1,038,871	$43,441,029	$162,450
2019	$1,297,333	$1,079,458	$37,819,396	$217,875
2018	$1,135,652	$989,250	$37,882,079	$146,402

CALCASIEU TEACHERS & EMPLOYEES CREDIT UNION