LUBRIZOL EMPLOYEES CREDIT UNION

EIN: 746047884

Deer Park, TX

Total Revenue
$2,605,838
Total Expenses
$2,016,303
Total Assets
$51,316,279
Net Assets
$51,027,364
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1953
Legal Domicile
TX
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

Lubrizol Employees' Credit Union is a cooperative thrift institution regulated by the Texas Credit Union Department. We offer products and services in three primary areas: share accounts, checking accounts, and consumer loans.

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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%)

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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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Governance

Voting Members
7
Independent Members
7
Employees
8
Volunteers
10

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
0
$0
Total Directors
10
$0
Key Employees
1
$209,929
Highest Compensated
0
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
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