Civic Intelligence

Southwest Louisiana Credit Union

EIN 72-0454922 • 501(c)14 • Lake Charles, LA

View Organization Page

Profile

helping members with their financial needs

4056 Ryan StreetLake Charles, LA 70605

www.swlacu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

21st percentile

0.86x

Higher debt load relative to assets than 21% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

6th percentile

9.63x

Higher debt load relative to revenue than 6% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

14th percentile

2.1%

Higher net margin than 14% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

65th percentile

$262,536

Higher top officer pay than 65% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

33rd percentile

1.0%

Faster asset growth than 33% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

19th percentile

5.5%

Faster revenue growth than 19% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets21st percentile

Assets

Up

$173,744,140

Up $1,774,662 (+1.0%) from 2023

Liabilities

Up

$149,127,809

Up $1,227,246 (+0.8%) from 2023

Net Assets

Up

$24,616,331

Up $547,416 (+2.3%) from 2023

Operations
Liabilities / Revenue6th percentileNet Margin14th percentile

Revenue

Up

$15,491,542

Up $814,283 (+5.5%) from 2023

Expenses

Up

$15,173,782

Up $1,361,897 (+9.9%) from 2023

Net Income

Down

$317,760

Down $547,614 (-63%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth33rd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$200M$150M$100M$50M$0Assets 2010: $47,272,683Liabilities 2010: $42,584,044Net Assets 2010: $4,688,6392010Assets 2011: $49,720,973Liabilities 2011: $44,559,964Net Assets 2011: $5,161,0092011Assets 2012: $67,577,624Liabilities 2012: $59,487,936Net Assets 2012: $8,089,6882012Assets 2013: $74,308,620Liabilities 2013: $64,852,983Net Assets 2013: $9,455,6372013Assets 2014: $80,445,065Liabilities 2014: $69,460,073Net Assets 2014: $10,984,9922014Assets 2015: $90,551,850Liabilities 2015: $78,049,420Net Assets 2015: $12,502,4302015Assets 2016: $96,798,237Liabilities 2016: $83,748,824Net Assets 2016: $13,049,4132016Assets 2017: $96,876,482Liabilities 2017: $83,102,783Net Assets 2017: $13,773,6992017Assets 2018: $103,989,542Liabilities 2018: $89,154,225Net Assets 2018: $14,835,3172018Assets 2019: $106,029,259Liabilities 2019: $89,811,467Net Assets 2019: $16,217,7922019Assets 2020: $157,912,866Liabilities 2020: $140,976,757Net Assets 2020: $16,936,1092020Assets 2021: $153,121,704Liabilities 2021: $134,110,784Net Assets 2021: $19,010,9202021Assets 2022: $172,091,572Liabilities 2022: $148,584,299Net Assets 2022: $23,507,2732022Assets 2023: $171,969,478Liabilities 2023: $147,900,563Net Assets 2023: $24,068,9152023Assets 2024: $173,744,140Liabilities 2024: $149,127,809Net Assets 2024: $24,616,3312024

Highlighted filing

2024

Assets$173,744,140
Liabilities$149,127,809
Net Assets$24,616,331
Open 2024 Filing

Operations Trend

Revenue Growth19th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$20M$15M$10M$5.0M$0Expenses 2010: $3,827,9242010Expenses 2011: $3,193,6202011Expenses 2012: $4,076,3302012Revenue 2013: $6,648,249Expenses 2013: $5,282,300Net Income 2013: $1,365,9492013Revenue 2014: $7,673,703Expenses 2014: $6,144,348Net Income 2014: $1,529,3552014Revenue 2015: $7,951,134Expenses 2015: $6,433,696Net Income 2015: $1,517,4382015Revenue 2016: $7,836,320Expenses 2016: $7,289,337Net Income 2016: $546,9832016Revenue 2017: $8,385,570Expenses 2017: $7,520,168Net Income 2017: $865,4022017Revenue 2018: $8,875,308Expenses 2018: $7,647,093Net Income 2018: $1,228,2152018Revenue 2019: $9,929,091Expenses 2019: $8,978,720Net Income 2019: $950,3712019Revenue 2020: $10,306,924Expenses 2020: $9,714,567Net Income 2020: $592,3572020Revenue 2021: $12,096,894Expenses 2021: $9,444,757Net Income 2021: $2,652,1372021Revenue 2022: $14,658,995Expenses 2022: $11,804,489Net Income 2022: $2,854,5062022Revenue 2023: $14,677,259Expenses 2023: $13,811,885Net Income 2023: $865,3742023Revenue 2024: $15,491,542Expenses 2024: $15,173,782Net Income 2024: $317,7602024

Highlighted filing

2024

Revenue$15,491,542
Expenses$15,173,782
Net Income$317,760
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$173,744,140
Liabilities
$149,127,809
Net assets
$24,616,331
Revenue
$15,491,542
Expenses
$15,173,782
Net income
$317,760
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$174$149$24.6$15.5$15.2$0.32
2023Detailed filing. Detailed filing data is available for this year.$172$148$24.1$14.7$13.8$0.87
2022Detailed filing. Detailed filing data is available for this year.$172$149$23.5$14.7$11.8$2.85
2021Detailed filing. Detailed filing data is available for this year.$153$134$19.0$12.1$9.44$2.65
2020Detailed filing. Detailed filing data is available for this year.$158$141$16.9$10.3$9.71$0.59
2019Detailed filing. Detailed filing data is available for this year.$106$89.8$16.2$9.93$8.98$0.95
2018Detailed filing. Detailed filing data is available for this year.$104$89.2$14.8$8.88$7.65$1.23
2017Detailed filing. Detailed filing data is available for this year.$96.9$83.1$13.8$8.39$7.52$0.87
2016Detailed filing. Detailed filing data is available for this year.$96.8$83.7$13.0$7.84$7.29$0.55
2015Detailed filing. Detailed filing data is available for this year.$90.6$78.0$12.5$7.95$6.43$1.52
2014Detailed filing. Detailed filing data is available for this year.$80.4$69.5$11.0$7.67$6.14$1.53
2013Detailed filing. Detailed filing data is available for this year.$74.3$64.9$9.46$6.65$5.28$1.37
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$67.6$59.5$8.09$4.08
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$49.7$44.6$5.16$3.19
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$47.3$42.6$4.69$3.83
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 13, 2025
Return Version
2024v5.1
Gross Receipts
$15,491,542
Mission and Program Overview

Mission

helping members with their financial needs

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$132,361,363$134,552,533▲ $2,191,170
Rtn Earn Endowment Incm Other Fnds$24,068,915$24,616,331▲ $547,416
Savings and Temporary Cash Investments$15,187,845$13,031,143▼ $2,156,702
Land, Buildings, and Equipment, Net$9,123,129$8,745,683▼ $377,446
Cash and Non-Interest-Bearing Accounts$4,883,583$8,264,655▲ $3,381,072
Accounts Receivable$2,337,437$2,392,535▲ $55,098
Receivables From Officers Etc$1,309,855$1,109,680▼ $200,175
Prepaid Expenses and Deferred Charges$425,758--
Total Assets$171,969,478$173,744,140▲ $1,774,662
Other Assets Total$6,340,508$5,647,911▼ $692,597
Liabilities
Accounts Payable and Accrued Expenses$147,900,563$149,127,809▲ $1,227,246
Total Liabilities$147,900,563$149,127,809▲ $1,227,246
Net Assets / Fund Balance
Total Net Assets Fund Balance$24,068,915$24,616,331▲ $547,416
Total Liabilities and Net Assets / Fund Balance$171,969,478$173,744,140▲ $1,774,662

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,650,763$1,403,578$7,054,341
Equipment$1,065,631$1,482,201$2,547,832
Land$2,029,289-$2,029,289
Compensation and Service Providers
Top Officer Pay65th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Chad MillerChief Executive OfficerFT$231,218$31,318$262,536
Angie BellowChief Administrative OfficerFT$130,752$22,471$153,223
Shelley FloresChief Financial OfficerFT$110,814$13,008$123,822
Linda SterlingChief Revenue OfficerFT$100,960$13,941$114,901
Jon GeorgiadesChief Information Officer-$97,565$7,425$104,990
Brandy LeeChief Operating OfficerFT$104,263-$104,263
Christina DavisChief Learning OfficerFT$101,351-$101,351

Board Members and Trustees

NameTitle
Robert CollinsChairperson
Chris EdwardsVice Chairperson
Donna SmithBoard Member
Gene SteechBoard Member
Kevin IstreBoard Member
Michael DronetBoard Member
Terry SwireBoard Member
Alton ChildsSecretary
Cheyanna GlyennSupervisory Committee Member
Kenneth ThomasSupervisory Committee Member
Renee DavisSupervisory Committee Member
William WilkieTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$626,888
Program Service Revenue
$9,500,750
Investment Income
$348,468
Other Revenue
$5,015,436
Change in Net Assets
$317,760

Audited Revenue Reconciliation

Revenue per Audited Statements
$15,491,542
Total Revenue per Audited Statements
$15,491,542
Total Revenue per Form 990
$15,491,542
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,183,325
Salaries, Compensation, and Employee Benefits$4,990,457
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$3,839,035--$3,839,035
Interest$2,117,826--$2,117,826
Occupancy$1,093,026--$1,093,026
Depreciation Depletion$549,228--$549,228
Other Employee Benefits$510,339--$510,339
All Other Expenses$473,703--$473,703
Fees for Services Other$449,027--$449,027
Advertising$388,544--$388,544
Pension Plan Contributions$351,363--$351,363
Other Expenses$301,459--$301,459
Payroll Taxes$289,720--$289,720
Office Expenses$123,114--$123,114
Conferences and Meetings$102,266--$102,266
Fees for Services Legal$19,858--$19,858
Fees for Services Accounting$14,926--$14,926
Travel$11,387--$11,387
Total Functional Expenses$15,173,782$0$0$15,173,782

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$15,173,782
Total Expenses per Audited Statements$15,173,782
Total Expenses per Form 990$15,173,782
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,309,855$1,109,680▼ $200,175
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“SWLACU is a state-chartered credit union and as stated in its bylaws, it is made up of its member owners.”

Member election for additional members Part VI line 7A

“The governing board of directors serve staggered terms that are up for election every three years.”

Governing body decisions Part VI line 7B

“Due to the at large election process that the governing body is subject to, they are accountable to the membership as a whole.”

Form 990 governing body review Part VI line 11

“The preparation of Form 990 is completed by our auditors, Griffin and Furman LLC, using documenting evidence provided by Southwest Louisiana Credit Union. Upon completion of the form, it is returned to the management team for review. After a satisfactory review, the form is signed and submitted to the IRS.”

Governing documents etc available to public Part VI line 19

“Information is available upon written request.”

Filing and Contact Details

Filer

Filer Name
Southwest Louisiana Credit Union
EIN
72-0454922
In Care Of
% Chad Miller
Phone
3374779190
Address
4056 Ryan Street, Lake Charles, LA 70605

Signing Officer

Name
Chad Miller
Title
Chief Executive Officer
Phone
3374779190
Signed
2025-05-13
Discuss with paid preparer
Yes

Organization Details

Formed
1952
Legal Domicile
La
Voting Board Members
9
Independent Board Members
9
Employees
81

Preparer

Firm
Griffin and Furman LLC
Address
P O Box 983, Mandeville, LA 70470
Preparer
Stephen M Griffin CPA
Phone
9857279924
Supplemental Narrative

Additional Explanations

Explanation of other changes in net assets or fund balances Part XI line 9

“ECIP Secondary Capital - $3,500,000Change in Merger Equity - $666,373”

Raw XML AppendixShowing 400 of 629 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/PersonNm0Chad Miller
IRS990/Form990PartVIISectionAGrp/PersonNm1Angie Bellow
IRS990/Form990PartVIISectionAGrp/PersonNm2Shelley Flores
IRS990/Form990PartVIISectionAGrp/PersonNm3Linda Sterling
IRS990/Form990PartVIISectionAGrp/PersonNm4Jon Georgiades
IRS990/Form990PartVIISectionAGrp/PersonNm5Brandy Lee
IRS990/Form990PartVIISectionAGrp/PersonNm6Christina Davis
IRS990/Form990PartVIISectionAGrp/PersonNm7Michael Dronet
IRS990/Form990PartVIISectionAGrp/PersonNm8Kevin Istre
IRS990/Form990PartVIISectionAGrp/PersonNm9Donna Smith
IRS990/Form990PartVIISectionAGrp/PersonNm10Gene Steech
IRS990/Form990PartVIISectionAGrp/PersonNm11Renee Davis
IRS990/Form990PartVIISectionAGrp/PersonNm12Terry Swire
IRS990/Form990PartVIISectionAGrp/PersonNm13Cheyanna Glyenn
IRS990/Form990PartVIISectionAGrp/PersonNm14Kenneth Thomas
IRS990/Form990PartVIISectionAGrp/PersonNm15William Wilkie
IRS990/Form990PartVIISectionAGrp/PersonNm16Alton Childs
IRS990/Form990PartVIISectionAGrp/PersonNm17Robert Collins
IRS990/Form990PartVIISectionAGrp/PersonNm18Chris Edwards
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