Schlumberger Employees Credit Union (EIN 746050582) - 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

1946

Legal Domicile

Principal Officer

Melanie Aguilar

Phone

2812854551

Tax Period

2025-01-01 to 2025-12-31

Schlumberger Employees Credit Union, founded in 1946, is a mid-sized nonprofit that reported $40.0M in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $15.2M, a strong 38% operating margin.

Mission

To provide lowcost financial services to members Schlumberger Employees CU is a cooperative thrift institution a member of NCUA

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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 $21,116,101

Investment Income $18,653,142

Other Revenue $249,487

TOTAL REVENUE $40,018,730

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,710,758

Fundraising Expenses $0

Program Expenses $1,108,658

Other Expenses $8,481,005

TOTAL EXPENSES $24,787,114

Year-over-Year Comparison

	2025	2024	Change
Revenue	$40,018,730	$36,379,231	+0.1%
Expenses	$24,787,114	$22,135,748	+0.1%
Net Income	$15,231,616	$14,243,483	+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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT FONS	Board Member	5.00	Director	$0	$0	$0
SONNY JOHNSTON	Board Member	5.00	Officer Director	$0	$0	$0
KANNAN VENKATARAMAN	Board Member	5.00	Officer Director	$0	$0	$0
NADIA HASOURIS	Board Member	5.00	Officer Director	$0	$0	$0
NIHAL WIJEYESEKERA	Board Member	5.00	Officer Director	$0	$0	$0
JOHN ZARNOWIECKI	Board Member	5.00	Director	$0	$0	$0
KEVIN COMEAUX	Board Member	5.00	Director	$0	$0	$0
BILL CARPENTER	Board Member	5.00	Director	$0	$0	$0
MELANIE AGUILAR	VP CFO	40.00	Key Emp	$0	$0	$0
PAMELA MCMILLIN	VP Operations	40.00	Key Emp	$0	$0	$0
RODNEY HILL	VP Technology	40.00	Key Emp	$0	$0	$0
MARK SPRAINIS	VP Lending	40.00	Key Emp	$0	$0	$0
HAROLD E OTTIS JR	PresidentCEO	40.00	Key Emp	$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	$40,018,730	$24,787,114	$895,583,608	$15,231,616
2024	No data	No data	No data	No data
2023	$30,696,831	$17,948,623	$901,677,298	$12,748,208
2022	$23,426,192	$12,338,814	$926,614,366	$11,087,378
2021	$19,656,324	$9,116,604	$924,208,566	$10,539,720
2020	$25,105,002	$10,595,094	$943,430,363	$14,509,908
2019	$29,277,828	$13,179,295	$830,260,687	$16,098,533
2018	$27,618,502	$12,741,481	$813,255,630	$14,877,021

Schlumberger Employees Credit Union