LOUISIANA BANKERS PATRICK SPENCERFISC EDUCATION FOUNDATION INC (EIN 721478766) - 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

2001

Legal Domicile

Principal Officer

GINGER LAURENT

Phone

2253873282

Tax Period

2025-01-01 to 2025-12-31

LOUISIANA BANKERS PATRICK SPENCERFISC EDUCATION FOUNDATION INC, founded in 2001, is a micro nonprofit in the Education sector that reported $76K in total revenue in fiscal year 2025. The organization ran a surplus of $32K, a strong 42% operating margin.

Mission

BANKING EDUCATION

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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 $30,000

Program Service Revenue $0

Investment Income $41,562

Other Revenue $4,560

TOTAL REVENUE $76,122

Expense Breakdown

Grants Paid $40,500

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $43,804

Other Expenses $3,304

TOTAL EXPENSES $43,804

Year-over-Year Comparison

	2025	2024	Change
Revenue	$76,122	$79,022	0.0%
Expenses	$43,804	$38,713	+0.1%
Net Income	$32,318	$40,309	-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

N/A

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

$405,663

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TODD MCDONALD	BOARD MEMBER	1.00	Director	$0	$0	$0
MICHAEL VIZARD	CHAIRMAN	1.00	Officer Director	$0	$0	$0
JASON SMITH	CHAIRMAN-ELECT	1.00	Officer Director	$0	$0	$0
JOSEPH ZANCO	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN ACKEL	BOARD MEMBER	1.00	Director	$0	$0	$0
RONALD FALGOUST	BOARD MEMBER	1.00	Director	$0	$0	$0
JEFF EHLINGER	BOARD MEMBER	1.00	Director	$0	$0	$0
SHIVELY VERRETTE	AT-LARGE MEMBER	1.00	Director	$0	$0	$0
BENJAMIN CAVIN	BOARD MEMBER	1.00	Director	$0	$0	$0
HOWARD DEE SMITH	BOARD MEMBER	1.00	Director	$0	$0	$0
H BROOKS LEWIS	TREASURER	1.00	Officer Director	$0	$0	$0
KYLE KENNINGTON	BOARD MEMBER	1.00	Director	$0	$0	$0
TROY G KIBODEAUX	BOARD MEMBER	1.00	Director	$0	$0	$0
GINGER LAURENT	CEO	1.00	Officer	$0	$43,298	$405,663

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	$76,122	$43,804	$1,190,702	$32,318
2024	No data	No data	No data	No data
2023	$61,103	$32,491	$1,115,783	$28,612
2022	$40,891	$29,485	$1,087,314	$11,406
2021	$38,018	$21,396	$1,077,073	$16,622
2020	$57,270	$21,361	$1,054,780	$35,909
2019	$61,202	$23,310	$1,018,877	$37,892

LOUISIANA BANKERS PATRICK SPENCERFISC EDUCATION FOUNDATION INC