STATE CHARTERED CREDIT UNIONS IN LOUISIANA (EIN 720838368) - 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

Principal Officer

JOHN CEDRIC DAUPHIN

Phone

3375930591

Tax Period

2025-01-01 to 2025-12-31

STATE CHARTERED CREDIT UNIONS IN LOUISIANA, founded in 1942, is a micro nonprofit that reported $22K in total revenue in fiscal year 2025. The organization ran a surplus of $6K, a strong 29% operating margin.

Mission

This organization provides opportunity for the underserved segment of the population to invest money and receive a competitive return on their investment and make loans to purchase vehicles, etc. at a reasonable rate.

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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 $7,372

Investment Income $14,714

Other Revenue $7

TOTAL REVENUE $22,093

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,294

Fundraising Expenses $0

Program Expenses $15,756

Other Expenses $9,462

TOTAL EXPENSES $15,756

Year-over-Year Comparison

	2025	2024	Change
Revenue	$22,093	$21,589	+0.0%
Expenses	$15,756	$16,862	-0.1%
Net Income	$6,337	$4,727	+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

N/A

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

Total Directors

Key Employees

$11,670

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Carol A Gaines	Manager	6.0	Key Emp	$3,492	$3,492	$6,984
Shirley Auzenne	Teller	5.0	Key Emp	$2,343	$2,343	$4,686
John Cedric Dauphin	Chairman	1.0	Officer	$0	$0	$0
Betty Brown	Vice-Chairperson	1	Officer	$0	$0	$0
Jeanette Granger	Treasurer	1	Officer	$0	$0	$0
Constance Auzenne	Secretary	1	Officer	$0	$0	$0
Sonya Anderson	Board Member	1	Officer	$0	$0	$0
Joseph Mitchell Walker	Board Member	1.0	Officer	$0	$0	$0
Reverend Arockia Mariasusai	Board Member	1	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	$22,093	$15,756	$625,099	$6,337
2024	$21,589	$16,862	$631,273	$4,727
2023	$12,147	$34,660	$675,647	$-22,513
2022	$5,847	$13,427	$714,589	$-7,580
2021	$10,131	$14,825	$729,535	$-4,694
2020	$12,730	$12,250	$680,309	$480

STATE CHARTERED CREDIT UNIONS IN LOUISIANA