EL PASO CREDIT UNION HOAP INC (EIN 300181693) - 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

2002

Legal Domicile

Tax Period

2020-01-01 to 2020-12-31

EL PASO CREDIT UNION HOAP INC, founded in 2002, is a small nonprofit in the Mental Health sector that reported $534K in total revenue in fiscal year 2020. Revenue decreased 20% compared to the prior year.

Mission

Assist families to develop assets and improve their quality of life through financial education home ownership credit management savings education on income tax rights and obligations and access to low-cost capital.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $533,819

Investment Income $0

Other Revenue $0

TOTAL REVENUE $533,819

Expense Breakdown

Grants Paid $40,000

Salaries & Benefits $3,267

Fundraising Expenses $0

Program Expenses $518,840

Other Expenses $486,493

TOTAL EXPENSES $529,760

Year-over-Year Comparison

	2020	2019	Change
Revenue	$533,819	$665,915	-0.2%
Expenses	$529,760	$669,407	-0.2%
Net Income	$4,059	$-3,492	-2.2%

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

300

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
Crystal Long	Chairman	3.00	Officer	$0	$0	$0
Darlene Palmore	Secretary	3.00	Officer	$0	$0	$0
Teresa Montoya	Treasurer	3.00	Officer	$0	$0	$0
Elvira Valles	Director	3.00	Officer	$0	$0	$0
Ruby Alvarez	Director	3.00	Officer	$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
2020	$533,819	$529,760	$29,681	$4,059

EL PASO CREDIT UNION HOAP INC