EXPEDITION CREDIT UNION

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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

1957

Legal Domicile

Principal Officer

SHAWN LANNIER

Phone

6512640669

Tax Period

2025-01-01 to 2025-12-31

EXPEDITION CREDIT UNION, founded in 1957, is a mid-sized nonprofit that reported $10.9M in total revenue in fiscal year 2025.

Mission

EXPEDITION CREDIT UNION IS A NOT FOR PROFIT FINANCIAL COOPERATIVE OPERATING TO IMPROVE THE FINANCIAL WELL-BEING OF OUR MEMBER OWNERS THROUGH REAL FINANCIAL SOLUTIONS.

Program Service Accomplishments

Program 1

TO PROVIDE AFFORDABLE CONSUMER LENDING PRODUCTS TO OUR MEMBERS. IN 2025 WE ORIGINATED 1,051 LOANS FOR A TOTAL OF $36,352,761.72.

Program 2

TO PAY FAVORABLE DIVIDENDS ON SAVINGS AND INVESTMENT PRODUCTS TO OUR MEMBERS. IN 2025 WE PAID $2,995,057.03 IN DIVIDENDS TO MEMBERS ON VARIOUS PRODUCTS.

Program 3

TO OFFER AFFORDABLE AND CONVENIENT ELECTRONIC AND CHECKING PRODUCTS TO OUR MEMBERS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $8,169,122

Investment Income $2,498,955

Other Revenue $246,425

TOTAL REVENUE $10,914,502

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,124,077

Fundraising Expenses $0

Other Expenses $5,032,357

TOTAL EXPENSES $11,151,053

Year-over-Year Comparison

	2025	2024	Change
Revenue	$10,914,502	$10,525,995	+0.0%
Expenses	$11,151,053	$10,734,781	+0.0%
Net Income	$-236,551	$-208,786	+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

N/A

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

$853,046

Total Directors

$6,627

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RAMONA SPRINGIS-DOSS	CHAIRMAN	1.00	Officer Director	$1,588	$0	$1,588
DWAYNE JOHNSON	BOARD MEMBER	1.00	Director	$1,463	$0	$1,463
JAMES SMOLA	BOARD MEMBER/VICE CHAIR	1.00	Officer Director	$1,350	$0	$1,350
JORDAN FORD	BOARD MEMBER/SECRETARY	1.00	Officer Director	$1,188	$0	$1,188
PHILLIP STERNER	BOARD MEMBER	1.00	Director	$1,038	$0	$1,038
SHAWN LANNIER	CEO	38.00	Officer	$224,456	$34,016	$258,472
PAUL R DAMMANN	PRESIDENT/CEO	38.00	Officer	$228,270	$28,956	$257,226
BRANT PUTTKAMMER	CTO	38.00	Officer	$152,791	$24,806	$177,597
CALEB HENNEK	VP FINANCE	38.00	Officer	$139,061	$16,564	$155,625
ANGELA SEELEY	VP LENDING	38.00	Highest	$106,383	$12,720	$119,103

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	$10,914,502	$11,151,053	$220,334,535	$-236,551
2024	$10,525,995	$10,734,781	$227,611,177	$-208,786
2023	$9,959,055	$9,344,960	$226,908,188	$614,095
2022	$8,556,619	$7,737,239	$230,599,841	$819,380
2021	$8,050,046	$6,890,428	$237,093,245	$1,159,618
2020	$7,960,679	$7,261,211	$220,164,273	$699,468
2019	$8,843,175	$7,631,823	$193,485,574	$1,211,352
2018	$8,382,116	$6,806,250	$184,816,469	$1,575,866