Civic Intelligence

1387 Nueva Esperanza

EIN 27-2873365 • 501(c)14 • Toledo, OH

Profile

See Page one of return

1638 Broadway St Lower LevelToledo, OH 43609

www.nuevaesperanzaccu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

17th percentile

0.55x

Higher debt load relative to assets than 17% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2022

Liabilities / Revenue

33rd percentile

1.56x

Higher debt load relative to revenue than 33% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2022

Net Margin

100th percentile

85%

Higher net margin than 100% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

77th percentile

1.2%

Faster asset growth than 77% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2021 to 2022

Revenue Growth

100th percentile

203%

Faster revenue growth than 100% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets17th percentile

Assets

Down

$4,399,896

Down $122,108 (-2.7%) from 2023

Liabilities

Down

$2,388,008

Down $96,860 (-3.9%) from 2023

Net Assets

Down

$2,011,888

Down $25,248 (-1.2%) from 2023

Operations
Liabilities / Revenue33rd percentileNet Margin100th percentile

Revenue

Down

$201,704

Down $42,696 (-17%) from 2023

Expenses

Down

$226,952

Down $10,085 (-4.3%) from 2023

Net Income

Down

-$25,248

Down $32,611 (-443%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth77th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$6.0M$4.0M$2.0M$0Assets 2020: $2,605,488Liabilities 2020: $2,306,458Net Assets 2020: $299,0302020Assets 2021: $4,497,184Liabilities 2021: $3,842,373Net Assets 2021: $654,8112021Assets 2022: $4,552,192Liabilities 2022: $2,522,419Net Assets 2022: $2,029,7732022Assets 2023: $4,522,004Liabilities 2023: $2,484,868Net Assets 2023: $2,037,1362023Assets 2024: $4,399,896Liabilities 2024: $2,388,008Net Assets 2024: $2,011,8882024

Highlighted filing

2024

Assets$4,399,896
Liabilities$2,388,008
Net Assets$2,011,888
Open 2024 Filing

Operations Trend

Revenue Growth100th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.5M$1.0M$500K$0-$500KRevenue 2020: $232,860Expenses 2020: $147,086Net Income 2020: $85,7742020Revenue 2021: $533,736Expenses 2021: $177,955Net Income 2021: $355,7812021Revenue 2022: $1,615,684Expenses 2022: $240,720Net Income 2022: $1,374,9642022Revenue 2023: $244,400Expenses 2023: $237,037Net Income 2023: $7,3632023Revenue 2024: $201,704Expenses 2024: $226,952Net Income 2024: -$25,2482024

Highlighted filing

2024

Revenue$201,704
Expenses$226,952
Net Income-$25,248
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,399,896
Liabilities
$2,388,008
Net assets
$2,011,888
Revenue
$201,704
Expenses
$226,952
Net income
-$25,248
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$4.40$2.39$2.01$0.20$0.23$0.03
2023Detailed filing. Detailed filing data is available for this year.$4.52$2.48$2.04$0.24$0.24$0.01
2022Detailed filing. Detailed filing data is available for this year.$4.55$2.52$2.03$1.62$0.24$1.37
2021Detailed filing. Detailed filing data is available for this year.$4.50$3.84$0.65$0.53$0.18$0.36
2020Detailed filing. Detailed filing data is available for this year.$2.61$2.31$0.30$0.23$0.15$0.09
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 14, 2025
Return Version
2024v5.0
Gross Receipts
$201,704
Mission and Program Overview

Mission

See Page one of return

To provide basic financial services and education to persons who live, work, worship, matriculate, or volunteer in Lucas County Ohio. The credit union focuses on the latino community of South Toledo, OH.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,549,813$2,506,018▼ $43,795
Rtn Earn Endowment Incm Other Fnds$2,037,136$2,011,888▼ $25,248
Savings and Temporary Cash Investments$1,795,878$1,715,585▼ $80,293
Cash and Non-Interest-Bearing Accounts$95,085$89,149▼ $5,936
Investments Program Related$40,940$40,940→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$4,522,004$4,399,896▼ $122,108
Other Assets Total$40,288$48,204▲ $7,916
Liabilities
Other Liabilities$2,484,280$2,391,420▼ $92,860
Accounts Payable and Accrued Expenses$588$-3,412▼ $4,000
Total Liabilities$2,484,868$2,388,008▼ $96,860
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,037,136$2,011,888▼ $25,248
Total Liabilities and Net Assets / Fund Balance$4,522,004$4,399,896▼ $122,108
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Sue CuevasChief Executive OfficerFT$61,719$61,719

Board Members and Trustees

NameTitle
Roberto MartinezBoard Chair
Norwin LopezVice Chair
Adam MartinezBoard Member
Aleiah JonesBoard Secretary
Yousef AliakbarTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$201,704
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-25,248
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$117,537
Other Expenses$109,415
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$61,718
Other Salaries and Wages---$55,819
Fees for Services Management---$44,011
Office Expenses---$41,189
Conferences and Meetings---$12,890
Occupancy---$4,017
Fees for Services Accounting---$1,921
Information Technology---$1,400
Advertising---$682
Other Expenses---$505
Total Functional Expenses$0$0$0$226,952
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Non Member Deposits$1,780,847
Member Share Accounts$610,573
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is a cooperative, so all account owners are member-owners.”

Form 990, Part VI, Section A, Line 7A

“Each member has one vote in the election of the board of directors.”

Form 990, Part VI, Section B, Line 11B

“The form is provided to the Board at a regular board meeting.”

Form 990, Part VI, Section B, Line 12C

“Conflicts are reviewed by the Board and by ODFI.”

Form 990, Part VI, Section B, Line 15

“Salary surveys for other like organizations is sometimes used.”

Form 990, Part VI, Section C, Line 19

“All are available at the credit union's office upon request.”

Filing and Contact Details

Filer

Filer Name
1387 Nueva Esperanza
EIN
27-2873365
Phone
4194385490
Address
1638 Broadway St Lower Level, TOLEDO, OH 43609

Signing Officer

Name
Sue Cuevas
Title
President/CEO
Phone
4197209530
Signed
2025-04-14

Organization Details

Principal Officer
Sue Cuevas
Formed
2010
Legal Domicile
Oh
Voting Board Members
5
Independent Board Members
5
Employees
3
Volunteers
5
Raw XML Appendix331 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The form is provided to the Board at a regular board meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Conflicts are reviewed by the Board and by ODFI.
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
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IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0201704
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0201704
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04522004
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04399896
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01638 Broadway St Lower Level
IRS990/USAddress/CityNm0TOLEDO
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd043609
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0https://www.nuevaesperanzaccu.org
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Sue Cuevas
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04197209530
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt01387 NUEVA ESPERANZA
ReturnHeader/Filer/BusinessNameControlTxt01387
ReturnHeader/Filer/EIN0272873365
ReturnHeader/Filer/PhoneNum04194385490
ReturnHeader/Filer/USAddress/AddressLine1Txt01638 Broadway St Lower Level
ReturnHeader/Filer/USAddress/CityNm0TOLEDO
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
ReturnHeader/Filer/USAddress/ZIPCd043609
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/ReturnTs02025-04-11T10:48:43-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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