CF-LA CREDIT UNION (EIN 720868372) - 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

1978

Legal Domicile

Principal Officer

DUANE LEE

Phone

2254730331

Tax Period

2025-01-01 to 2025-12-31

CF-LA CREDIT UNION, founded in 1978, is a small nonprofit that reported $313K in total revenue in fiscal year 2025. The organization ran a surplus of $52K, a strong 17% operating margin.

Mission

CF-LA Credit Union is a financial institution that provides affordable banking services to their 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 $173,174

Investment Income $138,164

Other Revenue $1,671

TOTAL REVENUE $313,009

Expense Breakdown

Grants Paid $0

Salaries & Benefits $133,816

Fundraising Expenses $0

Program Expenses $260,549

Other Expenses $126,734

TOTAL EXPENSES $260,550

Year-over-Year Comparison

	2025	2024	Change
Revenue	$313,009	$313,877	0.0%
Expenses	$260,550	$220,863	+0.2%
Net Income	$52,459	$93,014	-0.4%

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

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
DUANE LEE	President	2.00	Director	$0	$0	$0
TONI SIMON	Board Member	1.00	Director	$0	$0	$0
LYNDON POUSSON JR	Treasurer	1.00	Director	$0	$0	$0
BRIAN JANIS	Vice President	1.00	Director	$0	$0	$0
YVONNE CORTEZ	MEMBER	1.00	Director	$0	$0	$0
RIDGE ROUSSEAU	Secretary	1.00	Director	$0	$0	$0
JAMIE GRAVOIS	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
2025	$313,009	$260,550	$7,145,489	$52,459
2024	$313,877	$220,863	$7,332,840	$93,014
2023	$233,218	$222,582	$7,698,851	$10,636
2022	$183,251	$204,033	$9,514,196	$-20,782
2021	$165,307	$197,723	$10,451,504	$-32,416
2020	$214,062	$203,340	$9,783,754	$10,722
2019	$256,229	$200,656	$9,339,520	$55,573
2018	$231,413	$172,560	$9,194,323	$58,853

CF-LA CREDIT UNION