El Paso Credit Union Hoap Inc

Nonprofit profile at a glance

EIN
300181693
IRS 990-EZ coverage
2021–2025
Forms available
Form 990 2020, Form 990-EZ 2025
Location
El Paso, TX, USA
Phone
9157742163
Rating
73
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Counseling, Support Groups

Reported finances

Revenue
$166,727
Expenses
$48,149
Assets
$155,137
Liabilities
$0

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

Leadership & pay

5 people listed

People named in this filing

  • CRYSTAL LONG (CHAIRMAN)
  • NICOLE BRADFORD (TREASURER)
  • ELVIRA VALLES (DIRECTOR)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

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

Overview

Mission

Assist families to develop assets and improve their quality of life through financial education homeownership credit management.

What it reported doing in 2025

The community center, located in a low-income area of the city of el paso, provides year-round support and activities for local families. Monthly services include a food pantry and after-school programs that offer homework assistance and free access to computers and the internet. The center also hosts family-oriented events such as pizza nights, senior day, and holiday celebrations for halloween, thanksgiving, and christmas. Each thanksgiving, more than 100 families receive a complete holiday meal, including turkeys, while at christmas, over 100 children are gifted a toy along with additional giveaways. In addition, the center organizes an annual backpack giveaway, where more than 50 children receive a new backpack filled with school supplies.

Operating model

Revenue model
Donor-supported. 100% of the money available for current operations came from contributions and gifts.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

SUPPORTED - The filed numbers largely add up and revenue comfortably covers expenses. A relatively small share of available resources goes toward mission work and revenue has declined or grown slowly.

Rating breakdown

  • Financial Efficiency: 54
  • Transparency & Controls: 100
  • Sustainability: 88
  • Growth: 40

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 28.4%; rating input score 28
  • Program expense ratio: 98.3%; rating input score 98

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 52nd percentile among comparable filings
  • Major donor itemization: Yes; rating input score 100

Sustainability

  • Operating margin: 71.1%; rating input score 97; 97th percentile among comparable filings
  • Total-asset coverage ratio: 3.22; rating input score 90; 90th percentile among comparable filings
  • Liabilities to assets ratio: 0; rating input score 74; 74th percentile among comparable filings
  • Officer compensation ratio: 0%; rating input score 63; 63rd percentile among comparable filings

Growth

  • Program expense growth: 18% per year; rating input score 100; 72nd percentile among comparable filings
  • Revenue growth: -14.6% per year; rating input score 0; 3rd percentile among comparable filings
  • Asset growth: -13.9% per year; rating input score 0; 9th percentile among comparable filings

Details

  • Where the money goes: 28.4% of revenue deployed · 98.3% of spending went to programs
  • Governance: Filed governance answers
  • Accomplishments: 2 filed program accomplishments · $47K in reported program spending
  • Leadership: top reported pay $0 · 5 people listed
  • Consistency: 7 of 7 current checks pass
  • Schedules: 3 filed schedules
  • Filing history: 5 filing years from 2021 to 2025
  • Contacts: How to reach this organization
  • Money network: 1 filed money-flow record
  • Related organizations: 1 filed related-organization link
  • 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.

  • High — Financial Efficiency: Mission deployment rate scored 28/100.
  • High — Growth: Revenue growth scored 0/100.
  • High — Growth: Asset growth scored 0/100.