LUBRIZOL EMPLOYEES CREDIT UNION

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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

1953

Legal Domicile

Principal Officer

Rosaura Flores

Phone

2814796651

Tax Period

2024-01-01 to 2024-12-31

LUBRIZOL EMPLOYEES CREDIT UNION, founded in 1953, is a community nonprofit that reported $2.6M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $590K, a strong 23% operating margin.

Mission

Our mission is to build lifelong relationships through family friendly service and provide beneficial, progressive financial services. Our vision is to be the financial services provider of choice, enriching the lives of our members and employees.

Program Service Accomplishments

Program 1

Expenses: $275,895 Revenue: $0

Share Accounts - Our share accounts offer advantages to members of all ages. The credit union had 3,411 member-owners as of 12/31/2024. Member share accounts offer competitive rates and pay dividends quarterly. In addition to our regular share accounts, we offer special share accounts designed for children, teenagers and young adults to encourage the development of consistent savings habits. Active members age 18 and over have $2,000 free AD&D insurance. We also offer various services at a free or low cost such as notary service, money orders and wire transfers.

Program 2

Expenses: $15,144

Checking Accounts - We offer free checking accounts to our members. Features include Visa Check Card, mobile deposit, overdraft protection, online account access, audio response teller, bill pay and...

Program 3

Expenses: $89,184

Consumer Loans - We offer flexible terms and low rates on all types of loans for our members. These include vehicle loans, home equity loans, signature loans and credit card. We offer Auto Buying...

Consumer Loans - We offer flexible terms and low rates on all types of loans for our members. These include vehicle loans, home equity loans, signature loans and credit card. We offer Auto Buying Center to provide resources for members in the purchase of a new or used vehicle.

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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 $1,783,987

Investment Income $821,851

Other Revenue $0

TOTAL REVENUE $2,605,838

Expense Breakdown

Grants Paid $0

Salaries & Benefits $762,818

Fundraising Expenses $0

Program Expenses $380,223

Other Expenses $981,073

TOTAL EXPENSES $2,016,303

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,605,838	$2,363,588	+0.1%
Expenses	$2,016,303	$1,834,289	+0.1%
Net Income	$589,535	$529,299	+0.1%

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

$209,929

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Rosaura Flores	President/CEO	50	Key Emp	$177,352	$32,577	$209,929
Richard Miller	Chairman	0.50	Director	$0	$0	$0
Daniel Koons	Vice Chairman	0.50	Director	$0	$0	$0
Joseph Morris	Treasurer	0.5	Director	$0	$0	$0
Delinda Dutton	Secretary	0.5	Director	$0	$0	$0
Gary Aldrich	Director	0.50	Director	$0	$0	$0
Gabe Aguilar	Director	0.5	Director	$0	$0	$0
Greg Drummond	Director	0.50	Director	$0	$0	$0
Waynisha Edwards	Supervisory Committee Chairman	0.25	Director	$0	$0	$0
AJ Pickle	Supervisory Committee Member	0.25	Director	$0	$0	$0
Gregory Heath Jones	Supervisory Committee Chairman	0.25	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	$2,605,838	$2,016,303	$51,316,279	$589,535
2023	$2,363,588	$1,834,289	$53,355,984	$529,299
2023	$2,363,588	$1,834,289	$53,355,984	$529,299
2022	$1,955,515	$1,506,212	$54,378,340	$449,303
2021	$1,969,551	$1,370,299	$53,504,722	$599,252
2020	$2,069,162	$1,461,145	$51,277,161	$608,017
2019	$2,052,921	$1,628,155	$45,893,954	$424,766
2018	$1,893,087	$1,551,962	$45,896,350	$341,125