LOUP EMPLOYEES CREDIT UNION (EIN 720725598) - 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

1968

Legal Domicile

Principal Officer

Sandy Savoy

Phone

2255623951

Tax Period

2020-01-01 to 2020-12-31

LOUP EMPLOYEES CREDIT UNION, founded in 1968, is a small nonprofit that reported $353K in total revenue in fiscal year 2020. The organization ran a surplus of $72K, a strong 20% operating margin.

Mission

Mutually owned not for profit financial cooperative. Provide members with affordable sources of savings and credit to 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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $293,281

Investment Income $59,389

Other Revenue $0

TOTAL REVENUE $352,670

Expense Breakdown

Grants Paid $0

Salaries & Benefits $147,219

Fundraising Expenses $0

Program Expenses $281,031

Other Expenses $133,812

TOTAL EXPENSES $281,031

Year-over-Year Comparison

	2020	2019	Change
Revenue	$352,670	$343,396	+0.0%
Expenses	$281,031	$285,738	0.0%
Net Income	$71,639	$57,658	+0.2%

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

$62,146

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Sandy Savoy	Manager	40.00	Officer	$62,146	$0	$62,146
Kenny Poche	Board President	1	Officer Director	$0	$0	$0
Jonathon Tuminski	Vice President	1	Officer Director	$0	$0	$0
Barrett Jenkins	Board Secretary	1	Officer Director	$0	$0	$0
John Day	Treasurer	1	Officer Director	$0	$0	$0
Rodney Garrison	Board member	1.00	Director	$0	$0	$0
Don Savoy	Board member	1.00	Director	$0	$0	$0
Gabe Boudreaux	Board member	1.00	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
2020	$352,670	$281,031	No data	$71,639
2019	$343,396	$285,738	$9,611,032	$57,658
2018	$329,047	$265,654	$10,049,662	$63,393

LOUP EMPLOYEES CREDIT UNION