La Electrical Workers Credit Union

Nonprofit profile at a glance

EIN
951847819
IRS 990 coverage
2010–2025
Forms available
Form 990 2025
Location
Pasadena, CA, USA
Phone
6264409284
Rating confidence
Limited

Official website

Reported finances

Revenue
$2,536,449
Expenses
$2,083,716
Assets
$52,552,502
Liabilities
$43,021,728

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

9 people listed

Executive titles in this filing

  • SHAWN MCDONALD (CEO/TREASURER)
  • LADISLAO ORTIZ (VICE PRESIDENT)
  • GARY TOMLIN (PRESIDENT/CHAIRMAN)
  • STACY JURADO (EXECUTIVE VICE PRESIDENT)

Highest reported compensation

  • SHAWN MCDONALD (CEO/TREASURER): $241,461 total reported compensation
  • STACY JURADO (EXECUTIVE VICE PRESIDENT): $190,514 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

L.a. Electrical workers credit union is committed to offering our members unique financial products and services tailored to their needs. We promote financial literacy and provide the necessary tools for building wealth.

What it reported doing in 2025

L a electrical workers credit union provides a variety of secured and unsecured consumer loan products for their members. The loans are at competitive rates to help the member save money. As of december 31, 2025, the total number of loans was 765 with share secured loans of $76,702.88, unsecured signature loans of $2,253,882.56, new vehicle loans of $2,162,208,.70, used vehicles of $4,380,862.64, personal lines of credit of $423,215.97, home equity lines of credit of $2,198,706.85, and all other loans of $327,329.52, for a total of $11,822,909.12

Operating model

Revenue model
Mixed. Its operating money came from several sources; no one source provided a clear majority.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

The verdict

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Rating breakdown

  • Financial Efficiency: NotEnoughData
  • Transparency & Controls: 71
  • Accountability: 76
  • Sustainability: 64
  • Growth: 60

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: Limited
  • Program expense ratio: Limited
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: 2 of 6 controls in place; rating input score 33
    • Compensation committee: Missing
    • Independent consultant: Missing
    • Other Form 990s reviewed: Missing
    • Written employment contract: Missing
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 85.7%; rating input score 86; 19th percentile among comparable filings
  • Governance controls: 5 of 8 controls in place; rating input score 62
    • Conflict-of-interest policy: Fail
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 17.8%; rating input score 70; 70th percentile among comparable filings
  • Total-asset coverage ratio: 25.22; rating input score 96; 96th percentile among comparable filings
  • Liabilities to assets ratio: 0.82; rating input score 8; 8th percentile among comparable filings
  • Officer compensation ratio: 20.7%; rating input score 15; 15th percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: 4.9% per year; rating input score 100; 37th percentile among comparable filings
  • Asset growth: 1.2% per year; rating input score 100; 14th percentile among comparable filings

Details

  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 6 of 7 board members independent · 5 of 8 filing controls reported
  • Programs: 2 filed program accomplishments
  • Leadership: top reported pay $241K · 9 people listed · 2 of 6 pay-setting controls reported
  • Consistency: 11 of 11 current checks pass
  • Schedules: 3 filed schedules · includes executive pay
  • Filing history: 16 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 2 filed money-flow records
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Review — Accountability: Governance controls: 2 of 7 not reported.
  • High — Sustainability: Liabilities to assets ratio scored 8/100.
  • High — Sustainability: Officer compensation ratio scored 15/100.