Civic Intelligence

Minnequa Works Credit Union

EIN 84-0398950 • 501(c)14 • Pueblo, CO

View Organization Page

Profile

Provide financial services to its members in the form of competitive loan rates, savings rates, mortgage lending, checking accounts, and debit and credit cards.

1549 E Abriendo AvePueblo, CO 81004

minnequaworks.com

Siviq Scores

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

Liabilities / Assets

65th percentile

0.90x

Higher debt load relative to assets than 65% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

86th percentile

18.96x

Higher debt load relative to revenue than 86% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

56th percentile

13%

Higher net margin than 56% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

18th percentile

$171,516

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

20th percentile

-0.7%

Faster asset growth than 20% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

88th percentile

25%

Faster revenue growth than 88% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets65th percentile

Assets

Down

$246,429,826

Down $1,840,963 (-0.7%) from 2023

Liabilities

Down

$222,494,151

Down $4,052,772 (-1.8%) from 2023

Net Assets

Up

$23,935,675

Up $2,211,809 (+10%) from 2023

Operations
Liabilities / Revenue86th percentileNet Margin56th percentile

Revenue

Up

$11,733,660

Up $2,342,513 (+25%) from 2023

Expenses

Up

$10,150,543

Up $2,109,902 (+26%) from 2023

Net Income

Up

$1,583,117

Up $232,611 (+17%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth20th percentile

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

$300M$200M$100M$0Assets 2010: $155,499,338Liabilities 2010: $141,233,610Net Assets 2010: $14,265,7282010Assets 2011: $159,283,174Liabilities 2011: $144,178,752Net Assets 2011: $15,104,4222011Assets 2012: $164,246,648Liabilities 2012: $148,364,753Net Assets 2012: $15,881,8952012Assets 2013: $163,660,277Liabilities 2013: $147,091,121Net Assets 2013: $16,569,1562013Assets 2014: $166,529,601Liabilities 2014: $148,484,653Net Assets 2014: $18,044,9482014Assets 2015: $172,250,801Liabilities 2015: $153,139,336Net Assets 2015: $19,111,4652015Assets 2016: $177,405,064Liabilities 2016: $157,479,571Net Assets 2016: $19,925,4932016Assets 2017: $178,654,430Liabilities 2017: $157,606,952Net Assets 2017: $21,047,4782017Assets 2018: $182,239,766Liabilities 2018: $160,090,315Net Assets 2018: $22,149,4512018Assets 2019: $190,734,024Liabilities 2019: $166,479,579Net Assets 2019: $24,254,4452019Assets 2020: $221,715,624Liabilities 2020: $195,763,338Net Assets 2020: $25,952,2862020Assets 2021: $238,940,287Liabilities 2021: $212,945,955Net Assets 2021: $25,994,3322021Assets 2022: $233,607,050Liabilities 2022: $214,534,707Net Assets 2022: $19,072,3432022Assets 2023: $248,270,789Liabilities 2023: $226,546,923Net Assets 2023: $21,723,8662023Assets 2024: $246,429,826Liabilities 2024: $222,494,151Net Assets 2024: $23,935,6752024

Highlighted filing

2024

Assets$246,429,826
Liabilities$222,494,151
Net Assets$23,935,675
Open 2024 Filing

Operations Trend

Revenue Growth88th percentile

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

$15M$10M$5.0M$0Expenses 2010: $8,502,7172010Expenses 2011: $7,530,9432011Revenue 2012: $7,463,482Expenses 2012: $6,496,990Net Income 2012: $966,4922012Revenue 2013: $6,888,171Expenses 2013: $5,952,487Net Income 2013: $935,6842013Revenue 2014: $6,502,260Expenses 2014: $5,376,983Net Income 2014: $1,125,2772014Revenue 2015: $6,305,218Expenses 2015: $4,869,162Net Income 2015: $1,436,0562015Revenue 2016: $6,460,377Expenses 2016: $5,029,638Net Income 2016: $1,430,7392016Revenue 2017: $6,859,641Expenses 2017: $5,653,862Net Income 2017: $1,205,7792017Revenue 2018: $7,399,440Expenses 2018: $5,647,687Net Income 2018: $1,751,7532018Revenue 2019: $7,975,777Expenses 2019: $6,274,658Net Income 2019: $1,701,1192019Revenue 2020: $7,770,432Expenses 2020: $6,238,526Net Income 2020: $1,531,9062020Revenue 2021: $7,220,159Expenses 2021: $5,734,855Net Income 2021: $1,485,3042021Revenue 2022: $7,236,388Expenses 2022: $5,876,098Net Income 2022: $1,360,2902022Revenue 2023: $9,391,147Expenses 2023: $8,040,641Net Income 2023: $1,350,5062023Revenue 2024: $11,733,660Expenses 2024: $10,150,543Net Income 2024: $1,583,1172024

Highlighted filing

2024

Revenue$11,733,660
Expenses$10,150,543
Net Income$1,583,117
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$246,429,826
Liabilities
$222,494,151
Net assets
$23,935,675
Revenue
$11,733,660
Expenses
$10,150,543
Net income
$1,583,117
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$246$222$23.9$11.7$10.2$1.58
2023Detailed filing. Detailed filing data is available for this year.$248$227$21.7$9.39$8.04$1.35
2022Detailed filing. Detailed filing data is available for this year.$234$215$19.1$7.24$5.88$1.36
2021Detailed filing. Detailed filing data is available for this year.$239$213$26.0$7.22$5.73$1.49
2020Detailed filing. Detailed filing data is available for this year.$222$196$26.0$7.77$6.24$1.53
2019Detailed filing. Detailed filing data is available for this year.$191$166$24.3$7.98$6.27$1.70
2018Detailed filing. Detailed filing data is available for this year.$182$160$22.1$7.40$5.65$1.75
2017Detailed filing. Detailed filing data is available for this year.$179$158$21.0$6.86$5.65$1.21
2016Detailed filing. Detailed filing data is available for this year.$177$157$19.9$6.46$5.03$1.43
2015Detailed filing. Detailed filing data is available for this year.$172$153$19.1$6.31$4.87$1.44
2014Summary only. Only limited summary data is available for this year.$167$148$18.0$6.50$5.38$1.13
2013Detailed filing. Detailed filing data is available for this year.$164$147$16.6$6.89$5.95$0.94
2012Summary only. Only limited summary data is available for this year.$164$148$15.9$7.46$6.50$0.97
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$159$144$15.1$7.53
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$155$141$14.3$8.50
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 7, 2025
Return Version
2024v5.1
Gross Receipts
$11,733,660
Mission and Program Overview

Mission

Provide financial services to its members in the form of competitive loan rates, savings rates, mortgage lending, checking accounts, and debit and credit cards.

Credit union programs the credit union is owned by approximately 13,218 members. The credit union provides financial services to its members, such as consumer lending continued on schedule o statement 1

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$84,531,832$92,654,818▲ $8,122,986
Investments Other Securities$76,157,000$73,703,000▼ $2,454,000
Investments in Publicly Traded Securities$58,720,788$50,788,002▼ $7,932,786
Rtn Earn Endowment Incm Other Fnds$21,723,866$23,935,675▲ $2,211,809
Savings and Temporary Cash Investments$9,119,303$7,986,725▼ $1,132,578
Land, Buildings, and Equipment, Net$2,630,243$2,866,885▲ $236,642
Cash and Non-Interest-Bearing Accounts$1,184,979$1,544,113▲ $359,134
Receivable From Disqualified Prsn$1,495,988$1,525,386▲ $29,398
Accounts Receivable$846,421$967,479▲ $121,058
Prepaid Expenses and Deferred Charges$310,834$180,405▼ $130,429
Total Assets$248,270,789$246,429,826▼ $1,840,963
Other Assets Total$13,273,401$14,213,013▲ $939,612
Liabilities
Other Liabilities$224,582,486$220,786,902▼ $3,795,584
Accounts Payable and Accrued Expenses$1,964,437$1,707,249▼ $257,188
Total Liabilities$226,546,923$222,494,151▼ $4,052,772
Net Assets / Fund Balance
Total Net Assets Fund Balance$21,723,866$23,935,675▲ $2,211,809
Total Liabilities and Net Assets / Fund Balance$248,270,789$246,429,826▼ $1,840,963

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,243,445$3,133,821$4,377,266
Leasehold Improvements$245,112$1,462,632$1,707,744
Land$1,378,328-$1,378,328
Other Assets Org$608,344--
Other Securities$73,703,000--
Compensation and Service Providers
Top Officer Pay18th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Nathan CapeCEOFT$163,087$8,429$171,516
David PurfieldCFOFT$121,882-$121,882
Greg LeberCIOFT$117,990-$117,990
Joella KrasovicCOOFT$113,742-$113,742
Charlie DavisDirector-$2,400-$2,400
Dave AndersonVice Chairman-$2,400-$2,400
Ellen MahoneyDirector-$2,400-$2,400
Gloria BowserSec/treas-$2,400-$2,400
Greg SmithChairman of the Board-$2,400-$2,400
Jayne RenkosikDirector-$2,400-$2,400
Joey FalboDirector-$2,400-$2,400
John ShriverDirector-$2,400-$2,400
Marilyn RhodesDirector-$2,400-$2,400
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,963,526
Investment Income
$4,770,134
Other Revenue
$0
Change in Net Assets
$1,583,117

Audited Revenue Reconciliation

Revenue per Audited Statements
$11,733,660
Total Revenue per Audited Statements
$11,733,660
Total Revenue per Form 990
$11,733,660
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,143,104
Salaries, Compensation, and Employee Benefits$2,992,439
Grants and Similar Amounts Paid$15,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,803,993
Office Expenses---$725,945
Information Technology---$656,060
Current Officers, Directors, Trustees, and Key Employees---$546,730
Occupancy---$314,723
Depreciation Depletion---$274,034
Other Employee Benefits---$263,994
Fees for Services Accounting---$231,919
Advertising---$206,078
Pension Plan Contributions---$193,990
Payroll Taxes---$183,732
Conferences and Meetings---$73,288
Insurance---$67,596
Other Expenses$25,617--$44,408
Grants to Domestic Orgs---$15,000
Travel---$14,200
Fees for Services Legal---$9,779
Total Functional Expenses$25,617$0$0$10,150,543

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$10,150,543
Total Expenses per Audited Statements$10,150,543
Total Expenses per Form 990$10,150,543
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Bakesmith LLC--Entrepreneur Assistance$3,000
Sweethearts Kettle Corn--Entrepreneur Assistance$3,000
Third Generation Bakingllc--Entrepreneur Assistance$3,000
Treats by Chanberlinllc--Entrepreneur Assistance$3,000
Williams Family Food Service--Entrepreneur Assistance$3,000
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$1,495,988$1,525,386▲ $29,398
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Federal income taxes$142,991,765
Member Share Accounts$77,795,137
Member Share Certificates-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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 organization is a credit union that provides financial services to approximately 12,143 members.”

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

“The organization is a credit union where the members each have one vote in electing the governing body board of directors”

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

“The form is prepared by the chief financial officer and reviewed by the chief executive officer.”

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

“The board of directors, all officers, and all staff have to review and sign a statement annually stating they have no conflicts of interest and will disclose if one occurs.”

Form 990, Part VI, Section B, Line 15

“The governing body has established a wage and salary committee that annually reviews and analyzes wages and salaries. Also, the credit union uses a salary survey compiles by cuna for review and comparison of like positons.”

Form 990, Part VI, Section C, Line 19

“The credit union provides form 990 upon request and provides a website link upon request where form form 990 can be reviewed. The request must made in writing at any of the branch locations.”

Form 990, Part VII, Section B, Line 1A

“NONE”

Filing and Contact Details

Filer

Filer Name
Minnequa Works Credit Union
EIN
84-0398950
In Care Of
% DAVID PURFIELD
Address
1549 E ABRIENDO AVE, PUEBLO, CO 81004

Signing Officer

Name
David Purfield
Title
CFO
Signed
2025-05-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David Purfield
Formed
1936
Legal Domicile
Co
Voting Board Members
9
Independent Board Members
9
Employees
42
Volunteers
9

Preparer

Preparer
Anthony K Giordano
Phone
7195643931
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“This amount is net charge in other accrued compensation income as a result of the changes in the pension.”

Raw XML AppendixShowing 400 of 477 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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IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0ENTREPRENEUR ASSISTANCE
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt1ENTREPRENEUR ASSISTANCE
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt2ENTREPRENEUR ASSISTANCE
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt3ENTREPRENEUR ASSISTANCE
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt4ENTREPRENEUR ASSISTANCE
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0TREATS BY CHANBERLINLLC
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt1THIRD GENERATION BAKINGLLC
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt2SWEETHEARTS KETTLE CORN
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt3BAKESMITH LLC
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt4WILLIAMS FAMILY FOOD SERVICE
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION IS A CREDIT UNION THAT PROVIDES FINANCIAL SERVICES TO APPROXIMATELY 12,143 MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION IS A CREDIT UNION WHERE THE MEMBERS EACH HAVE ONE VOTE IN ELECTING THE GOVERNING BODY BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE FORM IS PREPARED BY THE CHIEF FINANCIAL OFFICER AND REVIEWED BY THE CHIEF EXECUTIVE OFFICER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS, ALL OFFICERS, AND ALL STAFF HAVE TO REVIEW AND SIGN A STATEMENT ANNUALLY STATING THEY HAVE NO CONFLICTS OF INTEREST AND WILL DISCLOSE IF ONE OCCURS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE GOVERNING BODY HAS ESTABLISHED A WAGE AND SALARY COMMITTEE THAT ANNUALLY REVIEWS AND ANALYZES WAGES AND SALARIES. ALSO, THE CREDIT UNION USES A SALARY SURVEY COMPILES BY CUNA FOR REVIEW AND COMPARISON OF LIKE POSITONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION PROVIDES FORM 990 UPON REQUEST AND PROVIDES A WEBSITE LINK UPON REQUEST WHERE FORM FORM 990 CAN BE REVIEWED. THE REQUEST MUST MADE IN WRITING AT ANY OF THE BRANCH LOCATIONS.

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