Civic Intelligence

Credit Unions Chartered in the State of Colorado

EIN 84-0528869 • 501(c)14 • Alamosa, CO

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Profile

State Chartered Credit Union

910 Main StAlamosa, CO 81101-2462

n/A

Siviq Scores

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

Liabilities / Assets

23rd percentile

0.78x

Higher debt load relative to assets than 23% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

24th percentile

10.23x

Higher debt load relative to revenue than 24% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Net Margin

97th percentile

29%

Higher net margin than 97% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

61st percentile

$67,059

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 14.8% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Asset Growth

75th percentile

2.9%

Faster asset growth than 75% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

69th percentile

12%

Faster revenue growth than 69% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets23rd percentile

Assets

Up

$5,941,034

Up $169,816 (+2.9%) from 2023

Liabilities

Up

$4,648,792

Up $99,456 (+2.2%) from 2023

Net Assets

Up

$1,292,242

Up $70,360 (+5.8%) from 2023

Operations
Liabilities / Revenue24th percentileNet Margin97th percentile

Revenue

Up

$454,265

Up $48,786 (+12%) from 2023

Expenses

Up

$323,197

Up $42,649 (+15%) from 2023

Net Income

Up

$131,068

Up $6,137 (+4.9%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth75th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $5,959,325Liabilities 2010: $5,440,305Net Assets 2010: $519,0202010Assets 2011: $5,809,359Liabilities 2011: $5,452,895Net Assets 2011: $356,4642011Assets 2012: $5,720,868Liabilities 2012: $5,340,694Net Assets 2012: $380,1742012Assets 2013: $5,011,171Liabilities 2013: $4,634,965Net Assets 2013: $376,2062013Assets 2014: $4,682,358Liabilities 2014: $4,234,149Net Assets 2014: $448,2092014Assets 2015: $4,759,394Liabilities 2015: $4,265,328Net Assets 2015: $494,0662015Assets 2016: $5,059,037Liabilities 2016: $4,506,213Net Assets 2016: $552,8242016Assets 2017: $5,187,019Liabilities 2017: $4,551,257Net Assets 2017: $635,7622017Assets 2018: $4,588,028Liabilities 2018: $3,914,541Net Assets 2018: $673,4872018Assets 2019: $5,216,510Liabilities 2019: $4,474,785Net Assets 2019: $741,7252019Assets 2020: $6,012,111Liabilities 2020: $5,180,527Net Assets 2020: $831,5842020Assets 2021: $6,279,764Liabilities 2021: $5,316,921Net Assets 2021: $962,8432021Assets 2022: $5,862,063Liabilities 2022: $4,765,112Net Assets 2022: $1,096,9512022Assets 2023: $5,771,218Liabilities 2023: $4,549,336Net Assets 2023: $1,221,8822023Assets 2024: $5,941,034Liabilities 2024: $4,648,792Net Assets 2024: $1,292,2422024

Highlighted filing

2024

Assets$5,941,034
Liabilities$4,648,792
Net Assets$1,292,242
Open 2024 Filing

Operations Trend

Revenue Growth69th percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $425,3402010Revenue 2011: $346,489Expenses 2011: $509,045Net Income 2011: -$162,5562011Expenses 2012: $307,3492012Revenue 2013: $269,727Expenses 2013: $273,697Net Income 2013: -$3,9702013Revenue 2014: $293,410Expenses 2014: $221,407Net Income 2014: $72,0032014Revenue 2015: $293,555Expenses 2015: $247,697Net Income 2015: $45,8582015Revenue 2016: $309,069Expenses 2016: $250,290Net Income 2016: $58,7792016Revenue 2017: $327,161Expenses 2017: $244,245Net Income 2017: $82,9162017Revenue 2018: $324,227Expenses 2018: $286,502Net Income 2018: $37,7252018Revenue 2019: $361,186Expenses 2019: $292,947Net Income 2019: $68,2392019Revenue 2020: $369,756Expenses 2020: $279,898Net Income 2020: $89,8582020Revenue 2021: $417,890Expenses 2021: $286,630Net Income 2021: $131,2602021Revenue 2022: $410,696Expenses 2022: $276,588Net Income 2022: $134,1082022Revenue 2023: $405,479Expenses 2023: $280,548Net Income 2023: $124,9312023Revenue 2024: $454,265Expenses 2024: $323,197Net Income 2024: $131,0682024

Highlighted filing

2024

Revenue$454,265
Expenses$323,197
Net Income$131,068
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$5,941,034
Liabilities
$4,648,792
Net assets
$1,292,242
Revenue
$454,265
Expenses
$323,197
Net income
$131,068
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$5.94$4.65$1.29$0.45$0.32$0.13
2023Detailed filing. Detailed filing data is available for this year.$5.77$4.55$1.22$0.41$0.28$0.12
2022Detailed filing. Detailed filing data is available for this year.$5.86$4.77$1.10$0.41$0.28$0.13
2021Detailed filing. Detailed filing data is available for this year.$6.28$5.32$0.96$0.42$0.29$0.13
2020Detailed filing. Detailed filing data is available for this year.$6.01$5.18$0.83$0.37$0.28$0.09
2019Detailed filing. Detailed filing data is available for this year.$5.22$4.47$0.74$0.36$0.29$0.07
2018Detailed filing. Detailed filing data is available for this year.$4.59$3.91$0.67$0.32$0.29$0.04
2017Detailed filing. Detailed filing data is available for this year.$5.19$4.55$0.64$0.33$0.24$0.08
2016Detailed filing. Detailed filing data is available for this year.$5.06$4.51$0.55$0.31$0.25$0.06
2015Detailed filing. Detailed filing data is available for this year.$4.76$4.27$0.49$0.29$0.25$0.05
2014Detailed filing. Detailed filing data is available for this year.$4.68$4.23$0.45$0.29$0.22$0.07
2013Detailed filing. Detailed filing data is available for this year.$5.01$4.63$0.38$0.27$0.27$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.72$5.34$0.38$0.31
2011Summary only. Only limited summary data is available for this year.$5.81$5.45$0.36$0.35$0.51$0.16
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.96$5.44$0.52$0.43
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 23, 2025
Return Version
2024v5.1
Gross Receipts
$454,265
Mission and Program Overview

Mission

State Chartered Credit Union Provide savings, checking and loans to credit union members

State Chartered Credit Union provide checking savings and loans to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Receivables From Officers Etc$4,631,415$4,344,768▼ $286,647
Savings and Temporary Cash Investments$876,183$1,320,115▲ $443,932
Rtn Earn Endowment Incm Other Fnds$1,091,038$1,161,398▲ $70,360
Pd in Cap Srpls Land Bldg Eqp Fund$130,844$130,844→ $0
Land, Buildings, and Equipment, Net$108,230$107,275▼ $955
Cash and Non-Interest-Bearing Accounts$47,284$77,473▲ $30,189
Prepaid Expenses and Deferred Charges$6,296$6,575▲ $279
Accounts Receivable$0$0→ $0
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$5,771,218$5,941,034▲ $169,816
Other Assets Total$101,810$84,828▼ $16,982
Liabilities
Other Liabilities$4,546,416$4,641,708▲ $95,292
Accounts Payable and Accrued Expenses$2,920$7,084▲ $4,164
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$4,549,336$4,648,792▲ $99,456
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,221,882$1,292,242▲ $70,360
Total Liabilities and Net Assets / Fund Balance$5,771,218$5,941,034▲ $169,816

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$56,303$78,821-
Land$45,000--
Equipment$2,038$168,771-
Leasehold Improvements$3,934$39,482-
Compensation and Service Providers
Top Officer Pay61st percentile

Employees

NameTitleBaseTotal
Laura SchellTreasurer$67,059$67,059

Board Members and Trustees

NameTitle
Joe MontanoChairman
Joseph KolupkeVice Chairman
Beatrice AlanisMember
Lisa AbsmierMember
Rachel VanceMember
Gary GodwinSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$454,265
Investment Income
$0
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$131,068
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$178,626
Other Expenses$144,571
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$0$0$0$94,379
Other Salaries and Wages$0$0$0$76,334
Current Officers, Directors, Trustees, and Key Employees$0$0$0$67,059
Other Employee Benefits$0$0$0$22,707
Occupancy$0$0$0$18,046
Interest$0$0$0$12,939
Payroll Taxes$0$0$0$10,970
Conferences and Meetings$0$0$0$6,050
Fees for Services Accounting$0$0$0$5,500
Fees for Services Other$0$0$0$4,299
Advertising$0$0$0$3,358
Pension Plan Contributions$0$0$0$1,556
Total Functional Expenses$0$0$0$323,197
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$4,631,415$4,344,768▼ $286,647
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$4,641,708
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Part VI, Line 6

“The organization is a financial institution where any depositor becomes a member.”

Part VI, Line 7A

“Members elect the board of directors.”

Part VI, Line 7B

“The Board of Directors determines Credit Union policy.”

Part VI, Line 15

“The board of directors and the market determine the compensation of the manager.”

Filing and Contact Details

Filer

Filer Name
Credit Unions Chartered in the State of Colorado
EIN
84-0528869
In Care Of
% Laura Schell
Phone
7195896535
Address
910 MAIN ST, ALAMOSA, CO 81101-2462
Doing Business As
Valley Educators CU

Signing Officer

Name
Laura Schell
Title
Manager
Signed
2025-04-23

Organization Details

Principal Officer
Laura Schell
Formed
1959
Legal Domicile
Co
Voting Board Members
5
Independent Board Members
0
Employees
4
Volunteers
9
Raw XML AppendixShowing 400 of 648 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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