EXPREE CREDIT UNION (EIN 610245487) - 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

1938

Legal Domicile

Principal Officer

John Graham

Phone

5025645597

Tax Period

2024-01-01 to 2024-12-31

EXPREE CREDIT UNION, founded in 1938, is a community nonprofit that reported $8.0M in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $7.0M left a modest 13% surplus.

Mission

Expree Credit Union is a financial institution cooperative organized to provide loan and deposit products and services to its member owners.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $7,195,161

Investment Income $823,251

Other Revenue $0

TOTAL REVENUE $8,018,412

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,274,011

Fundraising Expenses $0

Program Expenses $5,789,155

Other Expenses $4,680,763

TOTAL EXPENSES $6,954,774

Year-over-Year Comparison

	2024	2023	Change
Revenue	$8,018,412	$6,987,085	+0.1%
Expenses	$6,954,774	$5,920,560	+0.2%
Net Income	$1,063,638	$1,066,525	0.0%

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

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

$577,498

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
John Graham	President / Chief Executive Officer	40	Key Emp Highest	$233,592	$56,000	$289,592
Myron Moore	Chief Compliance Officer	40	Key Emp	$135,106	$28,500	$163,606
Brandon Cheak	Chief Lending Officer	40	Key Emp	$108,000	$16,300	$124,300
Paul Royce	Chairman of Board	2	Director	$0	$0	$0
Ashley Mixson	Vice Chairperson of Board	2	Director	$0	$0	$0
Dr Abdul Turay	Treasurer of Board	2	Director	$0	$0	$0
Singer Buchanan	Secretary of Board	2	Director	$0	$0	$0
James Mason	Director	2	Director	$0	$0	$0
Jay Douds	Director	2	Director	$0	$0	$0
Mary Bailey	Director	2	Director	$0	$0	$0
Scott McKenzie	Director	2	Director	$0	$0	$0
Claude Anderson	Director	2	Director	$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
2025	No data	No data	No data	No data
2024	$8,018,412	$6,954,774	$104,580,209	$1,063,638
2023	$6,987,085	$5,920,560	$98,510,915	$1,066,525
2022	$5,792,192	$4,643,931	$92,581,595	$1,148,261
2021	$5,605,041	$4,771,152	$92,438,719	$833,889
2020	$5,062,580	$5,565,932	$88,601,451	$-503,352
2018	$5,051,732	$4,987,444	$75,805,923	$64,288

EXPREE CREDIT UNION