Civic Intelligence

Essential Credit Union

EIN 72-0719172 • 501(c)14 • Baton Rouge, LA

View Organization Page

Profile

To provide a community with financial solutions and optimal service that surpasses expectations while giving back to the communities in which we serve.

2370 Towne Center BoulevardBaton Rouge, LA 70806

essentialcu.org

Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

$386,709,201

No earlier filing loaded for comparison.

Liabilities

$355,095,377

No earlier filing loaded for comparison.

Net Assets

$31,613,824

No earlier filing loaded for comparison.

Operations

Revenue

$25,052,879

No earlier filing loaded for comparison.

Expenses

$24,293,612

No earlier filing loaded for comparison.

Net Income

$759,267

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

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

$400M$300M$200M$100M$0Assets 2023: $386,709,201Liabilities 2023: $355,095,377Net Assets 2023: $31,613,8242023

Highlighted filing

2023

Assets$386,709,201
Liabilities$355,095,377
Net Assets$31,613,824
Open 2023 Filing

Operations Trend

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

$30M$20M$10M$0Revenue 2023: $25,052,879Expenses 2023: $24,293,612Net Income 2023: $759,2672023

Highlighted filing

2023

Revenue$25,052,879
Expenses$24,293,612
Net Income$759,267
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$386,709,201
Liabilities
$355,095,377
Net assets
$31,613,824
Revenue
$25,052,879
Expenses
$24,293,612
Net income
$759,267
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$387$355$31.6$25.1$24.3$0.76
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Nov 14, 2024
Return Version
2023v5.1
Gross Receipts
$26,012,560
Mission and Program Overview

Mission

To provide a community with financial solutions and optimal service that surpasses expectations while giving back to the communities in which we serve.

Dedicated to building a credit union that provides outstanding financial services (loans and deposits) at the lowest cost possible.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$308,822,087$315,668,607▲ $6,846,520
Rtn Earn Endowment Incm Other Fnds$32,126,093$31,613,824▼ $512,269
Land, Buildings, and Equipment, Net$23,422,150$23,926,611▲ $504,461
Savings and Temporary Cash Investments$14,780,095$12,486,568▼ $2,293,527
Investments Other Securities$1,471,254$10,632,095▲ $9,160,841
Investments Program Related$9,376,925--
Cash and Non-Interest-Bearing Accounts$4,271,318$7,590,889▲ $3,319,571
Receivables From Officers Etc$4,008,775$4,113,003▲ $104,228
Prepaid Expenses and Deferred Charges$1,845,166$1,689,747▼ $155,419
Accounts Receivable$205,563$244,935▲ $39,372
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$378,162,217$386,709,201▲ $8,546,984
Other Assets Total$9,958,884$10,356,746▲ $397,862
Liabilities
Other Liabilities$339,652,951$338,607,916▼ $1,045,035
Mortgage Notes Payable Secured by Investment Property$2,500,000$11,500,000▲ $9,000,000
Accounts Payable and Accrued Expenses$3,675,835$4,809,840▲ $1,134,005
Escrow Account Liability$207,338$177,621▼ $29,717
Total Liabilities$346,036,124$355,095,377▲ $9,059,253
Net Assets / Fund Balance
Total Net Assets Fund Balance$32,126,093$31,613,824▼ $512,269
Total Liabilities and Net Assets / Fund Balance$378,162,217$386,709,201▲ $8,546,984

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$16,718,100$5,101,634$21,819,734
Equipment$881,017$5,270,411$6,151,428
Land$4,799,232-$4,799,232
Other Land Buildings$1,514,077$248,159$1,762,236
Leasehold Improvements$14,185$899,251$913,436
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Richard WilliamsCEOFT$328,148$88,323$416,471
Weston Moreau IiiCOOFT$187,620$40,596$228,216
Allison Rogers BrownCMOFT$152,457$43,046$195,503
Karesa PierreCAOFT$145,332$34,801$180,133
Krugerrand HollinsCTOFT$151,175$22,116$173,291
Steve LattucaCFOFT$152,000$7,517$159,517
David BeamVP of LendingFT$119,644$26,655$146,299
Ladonna Evans-suttonVP of Commercial ServicesFT$116,679$12,580$129,259
Stephan PierreBoard of Director-$8,029-$8,029
Joey JusticeBoard Chair-$6,009-$6,009
F Sherman DupreSupervisory Committee-$6,000-$6,000
Kenith WoodallBoard of Director-$5,893-$5,893
Edmond JordanBoard Treasurer-$5,823-$5,823
Louise CrochetSupervisory Committee Chair-$4,851-$4,851
Sue HuntBoard of Director-$4,100-$4,100
Perry RobeyBoard of Director-$3,888-$3,888
Boyd J CourvilleSupervisory Committee-$3,065-$3,065
Lisa PerryBoard of Director-$634-$634

Board Members and Trustees

NameTitle
Mary OverallBoard of Director
Robbie BagleyBoard Secretary

Highest Paid Contractors

ContractorServicesLocationCompensation
NcrConsulting And Technology864 SPRING ST, Atlanta, GA 30308$1,016,155
FiservTechnology255 FISERV DR, Brookfield, WI 53045$767,801
Miremont SchoonmakerRenovations5018 MILMOSA ST, Baton Rouge, LA 70808$381,654
Qsi INCTechnology107 SCHULER DR, Bardstown, KY 40004$297,371
MeridianlinkConsultingPO BOX 846822, Los Angeles, CA 90084$276,989
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$24,571,772
Investment Income
$887,494
Other Revenue
$-406,387
Change in Net Assets
$759,267

Audited Revenue Reconciliation

Revenue per Audited Statements
$25,350,607
Revenue Not Reported on Financial Statements
$-297,728
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-297,728
Total Revenue per Audited Statements
$25,350,607
Total Revenue per Form 990
$25,052,879
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$11,332,171
Salaries, Compensation, and Employee Benefits$8,011,652
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$5,868,269
Benefits to Members---$4,949,789
Office Expenses---$3,773,302
Occupancy---$1,185,891
Current Officers, Directors, Trustees, and Key Employees---$852,496
Other Employee Benefits---$656,423
Advertising---$605,811
Depreciation Depletion---$492,757
Payroll Taxes---$474,583
Fees for Services Other---$348,390
Interest---$209,589
Pension Plan Contributions---$159,881
Fees for Services Legal---$152,712
Fees for Services Accounting---$146,140
Other Expenses---$106,084
All Other Expenses---$99,166
Travel---$78,164
Total Functional Expenses$0$0$0$24,293,612

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$24,591,340
Total Expenses per Audited Statements$24,591,340
Total Expenses per Form 990$24,293,612
Expenses Not Reported on Form 990$0
Expenses Not Reported on Financial Statements$-297,728
Other Expense Adjustments$-297,728
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
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$4,008,775$4,113,003▲ $104,228
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$279,950,119
Nonmember Deposits$58,657,797
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“All members of the credit union have an equal share of ownership rights.”

Form 990, Part VI, Section A, Line 7A

“The membership votes on board members annually.”

Form 990, Part VI, Section A, Line 7B

“Members vote on larger decisions affecting the credit unions such as mergers and change in charter.”

Form 990, Part VI, Section B, Line 11B

“Ceo and cfo review the 990 and inform board of directors that it has been completed and make it available for their review.”

Form 990, Part VI, Section B, Line 12C

“Board of directors and officers are required to report annually all relationships with the credit union. If there is a conflict of interest, the full board of directors will address the situation”

Form 990, Part VI, Section B, Line 15

“The board of directors prepares an annual review of the president's performance. The president reviews the performance of other key employees. Vp of hr obtains a salary survey from gallagher annually to ensure that key employee salaries are reasonable. Performance reviews are witten and kept in personnel files. The process described here was last completed in 2023.”

Form 990, Part VI, Section C, Line 19

“Upon request, the executive assistant will make the documents available via e-mail.”

Filing and Contact Details

Filer

Filer Name
Essential Credit Union
EIN
72-0719172
Phone
2253538238
Address
2370 TOWNE CENTER BOULEVARD, BATON ROUGE, LA 70806

Signing Officer

Name
Steve Lattuca
Title
CFO
Phone
2253538238
Signed
2024-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Richard Williams
Formed
1972
Legal Domicile
La
Voting Board Members
9
Independent Board Members
9
Employees
135
Volunteers
2

Preparer

Firm
Cliftonlarsonallen Llp
Address
109 N MAIN STREET SUITE 200, AUSTIN, MN 55912
Preparer
Tanya Medgaarden
Phone
5074347000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in equity acquired in merger 60,535. Cecl adjustment -1,525,000.”

Part XII, Line 2C

“The process has not changed since prior year.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, under internal revenue code (irc) 501(c)(14), from federal and state income taxes. The credit unions conversion to a state-chartered credit union on december 1, 2022, resulted in it being subject to unrelated business income tax. Also, as a result of becoming a state-chartered credit union, the credit union began paying state sales and use taxes. The credit union has filed tax returns for activities they have deemed taxable. The credit union evaluated its tax positions and determined no uncertain tax positions exist as of december 31, 2023. The taxing authorities have the ability to assess taxes, penalties, and interest for any years for which no tax return was filed. In the opinion of management, any liability resulting from taxing authorities imposing income taxes on the net taxable income from activities potentially deemed to be unrelated to the credit unions exempt purpose is not expected to have a material effect on the credit unions financial position or results of operations.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Recorded as exp on 990 -297,728.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Recorded as exp on 990 -297,728.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD OF DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD OF DIRECTOR
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