STATE CHARTERED CREDIT UNIONS IN LOUISIANA (EIN 726019416) - 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

1957

Legal Domicile

Principal Officer

Roxanne F Brown

Phone

2253426618

Tax Period

2024-01-01 to 2024-12-31

STATE CHARTERED CREDIT UNIONS IN LOUISIANA, founded in 1957, is a mid-sized nonprofit that reported $10.6M in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $2.8M, a strong 26% operating margin.

Mission

To operate a state chartered credit union providing loans, savings and checking accounts to 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $5,594,849

Investment Income $1,662,688

Other Revenue $3,372,500

TOTAL REVENUE $10,630,037

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,480,441

Fundraising Expenses $0

Program Expenses $0

Other Expenses $4,353,294

TOTAL EXPENSES $7,833,735

Year-over-Year Comparison

	2024	2023	Change
Revenue	$10,630,037	$9,538,578	+0.1%
Expenses	$7,833,735	$7,279,588	+0.1%
Net Income	$2,796,302	$2,258,990	+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

Total Directors

Key Employees

$208,172

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Ellen Murphy	CEO	40	Key Emp	$208,172	$0	$208,172
Dedra Francis	COO	40	Highest	$128,839	$0	$128,839
Roxanne F Brown	CFO	40	Highest	$115,696	$0	$115,696
Sarah Menzina	Operations Officers	40	Highest	$108,804	$0	$108,804
Keith Cooley	Director	1.5	Director	$0	$0	$0
Burl Cain	Chairman	2.0	Director	$0	$0	$0
Ron Granier	Vice Chairman	2	Director	$0	$0	$0
Eugenie Powers	Secretary	2.00	Director	$0	$0	$0
James Rogers	Treasurer	2.00	Director	$0	$0	$0
Benny Harris	Director	1.50	Director	$0	$0	$0
Tim Hooper	Director	1.5	Director	$0	$0	$0
Donnie Bordelon	Director	1.5	Director	$0	$0	$0
Travis Day	Director	1.5	Director	$0	$0	$0
Tanisha Matthews	Director	1.5	Director	$0	$0	$0
Michael Moore	Director	1.5	Director	$0	$0	$0
Malcom Myer	Director	1.5	Director	$0	$0	$0
Sheryl Ranatza	Director	1.50	Director	$0	$0	$0
Seth Smith	Director	1.5	Director	$0	$0	$0
Richard Stalder	Director	1.50	Director	$0	$0	$0
Pete Fremin Jr	Director	1.5	Director	$0	$0	$0
Jeffrey Travis	Director	1.5	Director	$0	$0	$0
Edward Bickham	Director	1.5	Director	$0	$0	$0
Marcus Myers	Director	1.5	Director	$0	$0	$0
Misty Stagg	Director	1.5	Director	$0	$0	$0
Ryan V Horvath	Director	1.5	Director	$0	$0	$0
Deborah M Dauzat	Director	1.5	Director	$0	$0	$0
Kristen Thomas	Director	1.5	Director	$0	$0	$0
Kenny Lofton	Director	1.5	Director	$0	$0	$0
Gary Wescott	Director	1.5	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
2024	$10,630,037	$7,833,735	$114,329,924	$2,796,302
2023	$9,538,578	$7,279,588	$109,115,586	$2,258,990
2022	$8,114,833	$6,523,879	$107,445,035	$1,590,954
2021	$7,574,078	$6,083,488	$104,920,716	$1,490,590
2020	$7,300,133	$6,373,730	$97,174,719	$926,403
2019	$7,435,725	$6,282,897	$83,990,404	$1,152,828
2018	$6,998,987	$5,956,961	$81,027,058	$1,042,026

STATE CHARTERED CREDIT UNIONS IN LOUISIANA