GUADALUPE PARISH CREDIT UNION (EIN 840423576) - 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

1941

Legal Domicile

Principal Officer

ROBERT CHAVEZ

Phone

7193765413

Tax Period

2024-01-01 to 2024-12-31

GUADALUPE PARISH CREDIT UNION, founded in 1941, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion. The organization ran a surplus of $382K, a strong 23% operating margin.

Mission

STATE CHARTERED CREDIT UNION

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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 $1,426,527

Investment Income $214,684

Other Revenue $0

TOTAL REVENUE $1,641,211

Expense Breakdown

Grants Paid $0

Salaries & Benefits $460,415

Fundraising Expenses $0

Other Expenses $798,825

TOTAL EXPENSES $1,259,240

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,641,211	$1,516,342	+0.1%
Expenses	$1,259,240	$1,180,650	+0.1%
Net Income	$381,971	$335,692	+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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT CHAVEZ	PRESIDENT	40.00	Highest	$108,980	$0	$108,980
FRED CORDOVA	BOARD MEMBER	1.00	Director	$0	$0	$0
MINDY MONTAGUE	BOARD MEMBER	1.00	Director	$0	$0	$0
CONSTANCE RICCI	BOARD MEMBER	1.00	Director	$0	$0	$0
NATHAN RUYBAL	BOARD MEMBER	1.00	Director	$0	$0	$0
THOMAS P RUYBAL	BOARD MEMBER	1.00	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
2025	No data	No data	No data	No data
2024	$1,641,211	$1,259,240	$39,906,830	$381,971
2023	$1,516,342	$1,180,650	$38,151,541	$335,692
2022	$1,355,764	$987,449	$39,159,571	$368,315
2021	$1,193,012	$930,275	$36,419,846	$262,737
2020	$1,172,223	$879,536	$31,739,871	$292,687
2019	$1,190,750	$888,806	$29,527,287	$301,944
2018	$1,177,770	$851,906	$29,629,919	$325,864

GUADALUPE PARISH CREDIT UNION