Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Jan 2010.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Where the money goes
76 cents of each dollar spent went to programs.
Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.
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Who runs it and what they're paid
5 people listed on the 990.
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Questions the 990 asks
The form asks each of these directly. These are the filed answers.
- Family or business ties among officersPt VI · Ln 2No
- Top official's pay set by an independent reviewPt VI · Ln 15aYes
Programs and updates
Empowering low-income families with financial resilience through collaborative economic programs.
Questions for Express Advantage
Your first name shows with your question. Express Advantage answers here, for everyone.
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Financial Resiliency
Financial education and coaching focused on basic capabilities matched seamlessly with appropriate and flexible products and services allowing participants to gain access to financial products and services at a credit union and learn how to navigate the financial services industry while keeping the low income families out of the clutches…
Income Adequacy Asset building programs that create opportunities that incentivize people to change savings and spending behavior like; matched savings for vehicles, citizenship and savings-to-win lottery.
Financial Accessibility Deploying cashless, mobile tellers and small dollar lenders where people who are in distressed communities already go for services (social service agencies, Financial Empowerment Center, etc.), meeting the needs literally and figuratively where our clients are.
Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
By the numbers
The FY2021 990, line by line.
Download 990
| Line | Start FY21 | End FY21 |
|---|---|---|
| Cash and savingsLn 1–2 | $20K | $1.7M |
| Total assetsLn 16 | $20K | $1.7M |
| LiabilitiesLn 26 | $0 | $0 |
| Net assetsLn 32 | $20K | $1.7M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Grants to domestic organizationsLn 1 | $828K | $828K | ||
| Grants to domestic individualsLn 2 | $0 | $0 | ||
| Grants and assistance to foreign recipientsLn 3 | $0 | $0 | ||
| Benefits paid to or for membersLn 4 | $0 | $0 | ||
| Pay of current officers, directors and key staffLn 5 | $0 | $0 | $0 | $0 |
| Pay of disqualified personsLn 6 | $0 | $0 | $0 | $0 |
| Other salaries and wagesLn 7 | $0 | $0 | $0 | $0 |
| Pension plan contributionsLn 8 | $0 | $0 | $0 | $0 |
| Other employee benefitsLn 9 | $0 | $0 | $0 | $0 |
| Payroll taxesLn 10 | $0 | $0 | $0 | $0 |
| Management feesLn 11a | $250K | $250K | $0 | |
| Legal feesLn 11b | $0 | $0 | $0 | $0 |
| Accounting feesLn 11c | $6K | $6K | $0 | |
| Lobbying feesLn 11d | $0 | $0 | $0 | $0 |
| Professional fundraising feesLn 11e | $0 | $0 | ||
| Investment management feesLn 11f | $0 | $0 | $0 | $0 |
| Other fees for servicesLn 11g | $0 | $0 | $0 | $0 |
| Advertising and promotionLn 12 | $0 | $0 | $0 | $0 |
| Office expensesLn 13 | $0 | $0 | $0 | $0 |
| Information technologyLn 14 | $0 | $0 | $0 | $0 |
| RoyaltiesLn 15 | $0 | $0 | $0 | $0 |
| OccupancyLn 16 | $0 | $0 | $0 | $0 |
| TravelLn 17 | $0 | $0 | $0 | $0 |
| Travel and entertainment for public officialsLn 18 | $0 | $0 | $0 | $0 |
| Conferences, conventions and meetingsLn 19 | $0 | $0 | $0 | $0 |
| InterestLn 20 | $0 | $0 | $0 | $0 |
| Payments to affiliatesLn 21 | $0 | $0 | $0 | $0 |
| Depreciation, depletion and amortizationLn 22 | $0 | $0 | $0 | $0 |
| InsuranceLn 23 | $3K | $3K | $0 | |
| Other expenses (24a–d)Ln 24 | $100 | $0 | $100 | $0 |
| Total functional expensesLn 25 | $1.1M | $828K | $258K | $0 |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 Latest | $546K | $582K | −$36K | $54K | 990 PDF |
| FY2024 | $1.5M | $2.2M | −$698K | $90K | 990 PDF |
| FY2023 | $2.3M | $1.5M | $754K | $788K | 990 PDF |
| FY2022 | $326K | $2.0M | −$1.7M | $34K | 990 PDF |
| FY2021 Viewing | $2.8M | $1.1M | $1.7M | $1.7M | 990 PDF |
| FY2020 | $2K | $20K | 990 PDF |
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Schedules filed Part IV
See the full FY2021 990 (6 parts)
Part I · Summary $2,786,133 revenue, 12 lines filed
Part VI · Governance 7 of 7 board members independent, no flags
Part VIII · Statement of revenue $2,786,133 across 11 lines filed
Part IX · Statement of functional expenses $1,086,297 across 30 lines filed
Part X · Balance sheet $1,719,994 assets, 8 lines filed
Part XI · Reconciliation of net assets $1,719,994 net assets at year end
Form 990 e-file (XML) FY2021 from the IRS · Classification, formation year and address from the IRS Business Master File
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