Civic Intelligence

1387 Nueva Esperanza

990 • Fiscal year 2020 • EIN 27-2873365

Jan 01, 2020 to Dec 31, 2020 • Filed on Apr 15, 2021

Organization Profilewww.nuevaesperanzaccu.org
1638 Broadway St Lower LevelToledo, OH 43609

(419) 438-5490

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

80th percentile

0.89x

Higher debt load relative to assets than 80% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Liabilities / Revenue

18th percentile

9.90x

Higher debt load relative to revenue than 18% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Net Margin

98th percentile

37%

Higher net margin than 98% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Top Officer Pay

84th percentile

$55,380

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 23.8% of source-year revenue.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2020

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2020

Balance Sheet
Liabilities / Assets80th percentile

Assets

$2,605,488

No earlier filing loaded for comparison.

Net Assets

$299,030

No earlier filing loaded for comparison.

Liabilities

$2,306,458

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue18th percentileNet Margin98th percentile

Revenue

$232,860

No earlier filing loaded for comparison.

Expenses

$147,086

No earlier filing loaded for comparison.

Net Income

$85,774

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2020

Assets$2,605,488
Liabilities$2,306,458
Net Assets$299,030
Open 2020 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2020

Revenue$232,860
Expenses$147,086
Net Income$85,774
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Apr 15, 2021
Return Version
2020v4.0
Gross Receipts
$232,860
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$2,081,732$1,917,738▼ $163,994
Savings and Temporary Cash Investments$153,048$623,184▲ $470,136
Rtn Earn Endowment Incm Other Fnds$213,256$299,030▲ $85,774
Cash and Non-Interest-Bearing Accounts$24,316$29,932▲ $5,616
Land, Buildings, and Equipment, Net$5,701$2,802▼ $2,899
Receivable From Disqualified Prsn$0--
Receivables From Officers Etc$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,296,385$2,605,488▲ $309,103
Other Assets Total$31,588$31,832▲ $244
Liabilities
Other Liabilities$2,083,117$2,305,853▲ $222,736
Accounts Payable and Accrued Expenses$12$605▲ $593
Total Liabilities$2,083,129$2,306,458▲ $223,329
Net Assets / Fund Balance
Total Net Assets Fund Balance$213,256$299,030▲ $85,774
Total Liabilities and Net Assets / Fund Balance$2,296,385$2,605,488▲ $309,103

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$2,802$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Sue CuevasChief Executive OfficerFT$55,380$55,380

Board Members and Trustees

NameTitle
Adam MartinezBoard Chair
Rosie DunlapAssociate Board Member
Aleia JonesBoard Member
Martha DelgadoBoard Member
Joe BaldarasBoard Secretary
Roberto MartinezTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$127,288
Program Service Revenue
$105,572
Investment Income
$0
Other Revenue
$0
All Other Contributions
$127,288
Change in Net Assets
$85,774
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$74,555
Salaries, Compensation, and Employee Benefits$72,531
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---$72,531
Office Expenses---$41,988
Information Technology---$25,751
Other Expenses---$1,861
Conferences and Meetings---$967
All Other Expenses---$572
Total Functional Expenses$0$0$0$147,086
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons$0--
Receivables from Officers, Directors, Trustees, and Key Employees$0--
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$2,305,853
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
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

“A credit union is a not-for-profit financial institution. It only provides services to members who are owners by virtue of their membership share purchase.”

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

“Every member/accountholder of the credit union has one vote in the election of the board of directors.”

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

“Board members receive a copy of the return.”

Form 990, Part VI, Section B, Line 15

“The board reviews survey information from other similar organizations.”

Form 990, Part VI, Section C, Line 19

“At the credit union office during business hours.”

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
2021-04-15

Organization Details

Principal Officer
Sue Cuevas
Formed
2010
Legal Domicile
Oh
Voting Board Members
5
Independent Board Members
5
Employees
2
Volunteers
6
Raw XML Appendix351 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.

Path#Value
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IRS990/ActivityOrMissionDesc0To 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.
IRS990/AllOtherContributionsAmt0127288
IRS990/AllOtherExpensesGrp/TotalAmt0572
IRS990/BooksInCareOfDetail/PersonNm0Sue Cuevas
IRS990/BooksInCareOfDetail/PhoneNum04197209530
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01638 Broadway St Lower Level
IRS990/BooksInCareOfDetail/USAddress/CityNm0TOLEDO
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt055380
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chief Executive Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt3Associate Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt6Treasurer
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IRS990/GrantAmt00
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IRS990/GroupReturnForAffiliatesInd00
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IRS990/MethodOfAccountingAccrualInd0X
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IRS990/MoreThan5000KToIndividualsInd00
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IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0A credit union is a not-for-profit financial institution. It only provides services to members who are owners by virtue of their membership share purchase.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Every member/accountholder of the credit union has one vote in the election of the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Board members receive a copy of the return.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The board reviews survey information from other similar organizations.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4At the credit union office during business hours.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
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IRS990/SubjectToProxyTaxInd00
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IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
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IRS990/TotalGrossUBIAmt00
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IRS990/TotalReportableCompFromOrgAmt055380
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0105572
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0232860
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02296385
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02605488
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01638 BROADWAY ST
IRS990/USAddress/AddressLine2Txt0LOWER LEVEL
IRS990/USAddress/CityNm0TOLEDO
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd043607
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL2
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/LastSubmissionRqrOOBCd01
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd011
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/ProfilePasswordChangeInd0X
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd01
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Sue Cuevas
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04197209530
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-04-15
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/ReturnTs02021-04-19T09:35:15-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,605,488
Liabilities
$2,306,458
Net assets
$299,030
Revenue
$232,860
Expenses
$147,086
Net income
$85,774
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