HOUSTON HIGHWAY 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

1952

Legal Domicile

Principal Officer

DAVID GEROW

Phone

7138644438

Tax Period

2023-01-01 to 2023-12-31

HOUSTON HIGHWAY CREDIT UNION, founded in 1952, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2023. The organization ran a surplus of $877K, a strong 37% operating margin.

Mission

THE CREDIT UNION IS A FINANCIAL COOPERATIVE PROVIDING ALL TYPES OF FINANCIAL SERVICES TO ITS MEMBERS AAT COMPETITIVE RATES

Program Service Accomplishments

Program 1

THE CREDIT UNION OFFERS ALL TYPES OF LOAN PRODUCTS AT COMPETITIVE RATES

Program 2

THE CREDIT UNION OFFERS SAVINGS PRODUCTS AT COMPETITIVE RATES

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,193,976

Investment Income $101,457

Other Revenue $44,175

TOTAL REVENUE $2,339,608

Expense Breakdown

Grants Paid $0

Salaries & Benefits $53,654

Fundraising Expenses $0

Other Expenses $1,408,921

TOTAL EXPENSES $1,462,575

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,339,608	$2,201,820	+0.1%
Expenses	$1,462,575	$2,943,417	-0.5%
Net Income	$877,033	$-741,597	-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

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

Total Directors

Key Employees

$115,003

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MIKE ALFORD	BOARD CHAIR	0.50	Officer Director	$0	$0	$0
RITA DENNIS	VICE CHAIR	0.50	Officer Director	$0	$0	$0
OTTO MARESH	TREASURER	0.50	Officer Director	$0	$0	$0
SONJA TROJAN	SECRETARY	0.50	Officer Director	$0	$0	$0
LONNIE JOHNSON SR	MEMBER	0.50	Director	$0	$0	$0
ORLANDO FELIX	MEMBER	0.50	Director	$0	$0	$0
QUINCY ALLEN	MEMBER	0.50	Director	$0	$0	$0
DAVID GEROW	MANAGER/CEO	40.00	Key Emp Highest	$115,003	$0	$115,003

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	No data	No data	No data	No data
2023	$2,339,608	$1,462,575	$47,770,974	$877,033
2022	$2,201,820	$2,943,417	$49,153,973	$-741,597
2021	$2,345,323	$2,487,691	$52,034,607	$-142,368
2020	$2,361,390	$2,850,000	$53,352,651	$-488,610
2019	$2,823,659	$2,723,488	$53,674,475	$100,171
2018	$2,975,073	$2,801,931	$57,543,527	$173,142