Civic Intelligence

1387 Nueva Esperanza

990 • Fiscal year 2023 • EIN 27-2873365

Jan 01, 2023 to Dec 31, 2023 • Filed on Apr 12, 2024

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

89th percentile

0.55x

Higher debt load relative to assets than 89% of similar nonprofits.

2023 filings • $1M-$5M nonprofits • Source year 2023

Liabilities / Revenue

29th percentile

10.17x

Higher debt load relative to revenue than 29% of similar nonprofits.

2023 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2023

Net Margin

30th percentile

3.0%

Higher net margin than 30% of similar nonprofits.

2023 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2023

Top Officer Pay

83rd percentile

$59,250

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 24.2% of source-year revenue.

2023 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2023

Asset Growth

76th percentile

-0.7%

Faster asset growth than 76% of similar nonprofits.

2023 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Revenue Growth

1st percentile

-85%

Faster revenue growth than 1% of similar nonprofits.

2023 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets89th percentile

Assets

Down

$4,522,004

Down $30,188 (-0.7%) from 2022

Net Assets

Up

$2,037,136

Up $7,363 (+0.4%) from 2022

Liabilities

Down

$2,484,868

Down $37,551 (-1.5%) from 2022

Revenue And Expenses
Liabilities / Revenue29th percentileNet Margin30th percentile

Revenue

Down

$244,400

Down $1,371,284 (-85%) from 2022

Expenses

Down

$237,037

Down $3,683 (-1.5%) from 2022

Net Income

Down

$7,363

Down $1,367,601 (-99%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth76th percentile

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

2023

Assets$4,522,004
Liabilities$2,484,868
Net Assets$2,037,136
Open 2023 Filing

Operations Trend

Revenue Growth1st percentile

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

2023

Revenue$244,400
Expenses$237,037
Net Income$7,363
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Apr 12, 2024
Return Version
2023v5.0
Gross Receipts
$244,400
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$2,275,109$2,549,813▲ $274,704
Rtn Earn Endowment Incm Other Fnds$2,029,773$2,037,136▲ $7,363
Savings and Temporary Cash Investments$2,143,217$1,795,878▼ $347,339
Cash and Non-Interest-Bearing Accounts$55,375$95,085▲ $39,710
Investments Program Related-$40,940-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$4,552,192$4,522,004▼ $30,188
Other Assets Total$78,491$40,288▼ $38,203
Liabilities
Other Liabilities$2,520,555$2,484,280▼ $36,275
Accounts Payable and Accrued Expenses$1,864$588▼ $1,276
Total Liabilities$2,522,419$2,484,868▼ $37,551
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,029,773$2,037,136▲ $7,363
Total Liabilities and Net Assets / Fund Balance$4,552,192$4,522,004▼ $30,188
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Sue CuevasChief Executive OfficerFT$59,250$59,250

Board Members and Trustees

NameTitle
Adam MartinezBoard Chair
Norwin LopezBoard Member
Yousef AliakbarBoard Member
Aleiah JonesBoard Secretary
Roberto MartinezTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$124,000
Program Service Revenue
$120,400
Investment Income
$0
Other Revenue
$0
All Other Contributions
$124,000
Change in Net Assets
$7,363
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$124,225
Other Expenses$112,812
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---$124,225
Fees for Services Management---$53,222
Office Expenses---$36,143
Travel---$11,648
Occupancy---$4,564
Other Expenses---$3,486
Insurance---$2,730
Advertising---$640
All Other Expenses---$379
Total Functional Expenses$0$0$0$237,037
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$1,780,467
Member Share Deposits$703,813
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is a mutually owned cooperative. All members with a required membership share of $5.00 are voting owners of the credit union.”

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

“Each member has one vote for the election of board members.”

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

“Changes to the credit union's code of regulations.”

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

“The form is provided to board members for review before submission.”

Form 990, Part VI, Section B, Line 15

“Review of CEO compensation for similar organizations is used to determine the CEO salary.”

Form 990, Part VI, Section C, Line 19

“Governing documents are available at the credit union office during regular 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
2024-04-12

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 Appendix325 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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IRS990/Form990PartVIISectionAGrp/TitleTxt0Chief Executive Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The credit union is a mutually owned cooperative. All members with a required membership share of $5.00 are voting owners of the credit union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Each member has one vote for the election of board members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Changes to the credit union's code of regulations.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The form is provided to board members for review before submission.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Review of CEO compensation for similar organizations is used to determine the CEO salary.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Governing documents are available at the credit union office during regular 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 A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
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IRS990/USAddress/AddressLine1Txt01638 Broadway St
IRS990/USAddress/AddressLine2Txt0Lower Level
IRS990/USAddress/CityNm0Toledo
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd043609
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ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd01
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Sue Cuevas
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04197209530
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-04-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt01387 NUEVA ESPERANZA
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0Nueva Esperanza Community Credit Union
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/ReturnTs02024-04-02T12:27:04-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0Sue
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Cuevas
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

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Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,522,004
Liabilities
$2,484,868
Net assets
$2,037,136
Revenue
$244,400
Expenses
$237,037
Net income
$7,363
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