Civic Intelligence

Chaves County School Employees Credit Union

EIN 85-0133271 • 501(c)14 • Roswell, NM

View Organization Page

Profile

Provides savings and loan products for members at competetive rates

1401 N Lea AveRoswell, NM 88201

n/A

Siviq Scores

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

Liabilities / Assets

13th percentile

0.79x

Higher debt load relative to assets than 13% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Liabilities / Revenue

62nd percentile

17.40x

Higher debt load relative to revenue than 62% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Net Margin

99th percentile

52%

Higher net margin than 99% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Top Officer Pay

16th percentile

$73,475

Higher top officer pay than 16% of similar nonprofits.

Top officer pay equals 4.3% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Asset Growth

70th percentile

3.8%

Faster asset growth than 70% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Revenue Growth

55th percentile

11%

Faster revenue growth than 55% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets13th percentile

Assets

Up

$37,374,216

Up $1,370,819 (+3.8%) from 2024

Liabilities

Up

$29,442,960

Up $492,352 (+1.7%) from 2024

Net Assets

Up

$7,931,256

Up $878,467 (+12%) from 2024

Operations
Liabilities / Revenue62nd percentileNet Margin99th percentile

Revenue

Up

$1,692,151

Up $164,514 (+11%) from 2024

Expenses

Up

$813,684

Up $31,730 (+4.1%) from 2024

Net Income

Up

$878,467

Up $132,784 (+18%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth70th percentile

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

$40M$30M$20M$10M$0Assets 2010: $17,525,648Liabilities 2010: $14,224,450Net Assets 2010: $3,301,1982010Assets 2011: $18,815,668Liabilities 2011: $15,047,554Net Assets 2011: $3,768,1142011Assets 2012: $21,637,367Liabilities 2012: $17,727,020Net Assets 2012: $3,910,3472012Assets 2013: $22,073,622Liabilities 2013: $18,060,597Net Assets 2013: $4,013,0252013Assets 2014: $22,257,195Liabilities 2014: $18,123,407Net Assets 2014: $4,133,7882014Assets 2015: $23,368,936Liabilities 2015: $19,153,361Net Assets 2015: $4,215,5752015Assets 2016: $23,595,374Liabilities 2016: $19,287,747Net Assets 2016: $4,307,6272016Assets 2017: $25,541,447Liabilities 2017: $21,132,077Net Assets 2017: $4,409,3702017Assets 2018: $27,576,651Liabilities 2018: $22,957,322Net Assets 2018: $4,619,3292018Assets 2019: $28,308,763Liabilities 2019: $23,389,924Net Assets 2019: $4,918,8392019Assets 2020: $31,215,818Liabilities 2020: $26,024,734Net Assets 2020: $5,191,0842020Assets 2021: $35,097,645Liabilities 2021: $29,599,148Net Assets 2021: $5,498,4972021Assets 2022: $35,715,716Liabilities 2022: $29,947,292Net Assets 2022: $5,768,4242022Assets 2023: $35,968,135Liabilities 2023: $29,661,029Net Assets 2023: $6,307,1062023Assets 2024: $36,003,397Liabilities 2024: $28,950,608Net Assets 2024: $7,052,7892024Assets 2025: $37,374,216Liabilities 2025: $29,442,960Net Assets 2025: $7,931,2562025

Highlighted filing

2025

Assets$37,374,216
Liabilities$29,442,960
Net Assets$7,931,256
Open 2025 Filing

Operations Trend

Revenue Growth55th percentile

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

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $708,7132010Revenue 2011: $781,645Expenses 2011: $607,382Net Income 2011: $174,2632011Expenses 2012: $584,4252012Revenue 2013: $709,194Expenses 2013: $606,516Net Income 2013: $102,6782013Revenue 2014: $706,006Expenses 2014: $585,243Net Income 2014: $120,7632014Revenue 2015: $680,780Expenses 2015: $598,993Net Income 2015: $81,7872015Revenue 2016: $701,409Expenses 2016: $609,357Net Income 2016: $92,0522016Revenue 2017: $721,704Expenses 2017: $619,961Net Income 2017: $101,7432017Revenue 2018: $817,069Expenses 2018: $607,110Net Income 2018: $209,9592018Revenue 2019: $912,730Expenses 2019: $621,819Net Income 2019: $290,9112019Revenue 2020: $944,684Expenses 2020: $672,439Net Income 2020: $272,2452020Revenue 2021: $944,546Expenses 2021: $637,133Net Income 2021: $307,4132021Revenue 2022: $958,166Expenses 2022: $688,239Net Income 2022: $269,9272022Revenue 2023: $1,266,266Expenses 2023: $749,315Net Income 2023: $516,9512023Revenue 2024: $1,527,637Expenses 2024: $781,954Net Income 2024: $745,6832024Revenue 2025: $1,692,151Expenses 2025: $813,684Net Income 2025: $878,4672025

Highlighted filing

2025

Revenue$1,692,151
Expenses$813,684
Net Income$878,467
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$37,374,216
Liabilities
$29,442,960
Net assets
$7,931,256
Revenue
$1,692,151
Expenses
$813,684
Net income
$878,467
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$37.4$29.4$7.93$1.69$0.81$0.88
2024Detailed filing. Detailed filing data is available for this year.$36.0$29.0$7.05$1.53$0.78$0.75
2023Detailed filing. Detailed filing data is available for this year.$36.0$29.7$6.31$1.27$0.75$0.52
2022Detailed filing. Detailed filing data is available for this year.$35.7$29.9$5.77$0.96$0.69$0.27
2021Detailed filing. Detailed filing data is available for this year.$35.1$29.6$5.50$0.94$0.64$0.31
2020Detailed filing. Detailed filing data is available for this year.$31.2$26.0$5.19$0.94$0.67$0.27
2019Detailed filing. Detailed filing data is available for this year.$28.3$23.4$4.92$0.91$0.62$0.29
2018Detailed filing. Detailed filing data is available for this year.$27.6$23.0$4.62$0.82$0.61$0.21
2017Detailed filing. Detailed filing data is available for this year.$25.5$21.1$4.41$0.72$0.62$0.10
2016Detailed filing. Detailed filing data is available for this year.$23.6$19.3$4.31$0.70$0.61$0.09
2015Detailed filing. Detailed filing data is available for this year.$23.4$19.2$4.22$0.68$0.60$0.08
2014Detailed filing. Detailed filing data is available for this year.$22.3$18.1$4.13$0.71$0.59$0.12
2013Detailed filing. Detailed filing data is available for this year.$22.1$18.1$4.01$0.71$0.61$0.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.6$17.7$3.91$0.58
2011Summary only. Only limited summary data is available for this year.$18.8$15.0$3.77$0.78$0.61$0.17
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.5$14.2$3.30$0.71
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 19, 2026
Return Version
2025v4.0
Gross Receipts
$1,692,151
Mission and Program Overview

Mission

Provides savings and loan products for members at competetive rates

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$17,818,000$18,949,000▲ $1,131,000
Accounts Receivable$10,640,041$11,078,121▲ $438,080
Rtn Earn Endowment Incm Other Fnds$7,052,789$7,931,256▲ $878,467
Savings and Temporary Cash Investments$6,590,814$6,446,381▼ $144,433
Cash and Non-Interest-Bearing Accounts$382,147$361,735▼ $20,412
Receivables From Officers Etc$128,896$104,062▼ $24,834
Land, Buildings, and Equipment, Net$29,135$38,713▲ $9,578
Prepaid Expenses and Deferred Charges$49,441$27,333▼ $22,108
Total Assets$36,003,397$37,374,216▲ $1,370,819
Other Assets Total$364,923$368,871▲ $3,948
Liabilities
Other Liabilities$28,848,593$29,363,548▲ $514,955
Accounts Payable and Accrued Expenses$102,015$79,412▼ $22,603
Total Liabilities$28,950,608$29,442,960▲ $492,352
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,052,789$7,931,256▲ $878,467
Total Liabilities and Net Assets / Fund Balance$36,003,397$37,374,216▲ $1,370,819

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$18,949,000--
Buildings$17,269$275,394-
Land$5,987--
Equipment$15,457$95,640-
Compensation and Service Providers
Top Officer Pay16th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Laura CoxManager, TreasurerFT$73,475$73,475

Board Members and Trustees

NameTitle
Dan JenningsChairperson
Harold PleasantVice Chair
Deb BeyhanBoard
Debbie NorrisBoard
Janyce CallawayBoard
Shelley MontgomeryBoard
Julie SeilerSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$924,878
Investment Income
$767,273
Other Revenue
$0
Change in Net Assets
$878,467
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$538,108
Salaries, Compensation, and Employee Benefits$275,576
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$156,556$0$0$156,556
All Other Expenses$119,717$0$0$119,717
Information Technology$117,286$0$0$117,286
Current Officers, Directors, Trustees, and Key Employees$73,475$0$0$73,475
Office Expenses$40,617$0$0$40,617
Insurance$22,771$0$0$22,771
Other Employee Benefits$18,900$0$0$18,900
Payroll Taxes$18,026$0$0$18,026
Fees for Services Accounting$14,856$0$0$14,856
Occupancy$11,774$0$0$11,774
Depreciation Depletion$10,655$0$0$10,655
Pension Plan Contributions$8,619$0$0$8,619
Advertising$4,306$0$0$4,306
Conferences and Meetings$3,974$0$0$3,974
Fees for Services Other$3,331$0$0$3,331
Other Expenses$1,315$0$0$1,315
Total Functional Expenses$813,684$0$0$813,684
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 Officers, Directors, Trustees, and Key Employees$128,896$104,062▼ $24,834
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$29,363,548
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Chaves County School Employees Credit Union
EIN
85-0133271
Phone
5756235444
Address
1401 N LEA AVE, ROSWELL, NM 88201

Signing Officer

Name
Laura Cox
Title
Manager
Phone
5756235444
Signed
2026-02-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Laura Cox
Formed
1952
Legal Domicile
Nm
Voting Board Members
7
Independent Board Members
7
Employees
5
Volunteers
12

Preparer

Firm
Greg R Schmidt CPA
Address
26 Cypress Pt, Amarillo, TX 79124
Preparer
Greg R Schmidt CPA
Phone
8552759297
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“All accountholders are member owners of the credit union”

Pt VI, Line 7A

“All member owners can vote for appointments to the board”

Pt VI, Line 7A

“OF DIRECTORS”

Pt VI, Line 11B

“The board reviews a copy of the 990 prior to filing”

Pt VI, Line 15A

“Performance evaluations are used to determine any changes in compensation”

Pt VI, Line 15B

“Performance evaluations are used to determine any changes in compensation”

Form 990, Part IX, Line 24E

“EXAM EXPENSE 7582. 7582.”

Form 990, Part IX, Line 24E

“MISC 3847. 3847.”

Form 990, Part IX, Line 24E

“DIVIDENDS 76888. 76888.”

Form 990, Part IX, Line 24E

“WEBSITE 7392. 7392.”

Form 990, Part IX, Line 24E

“SHARE DRAFT 5253. 5253.”

Form 990, Part IX, Line 24E

“Bank charges 10350. 10350.”

Form 990, Part IX, Line 24E

“Armored service 8405. 8405.”

Raw XML AppendixShowing 400 of 464 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
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0102015
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt079412
IRS990/AccountsReceivableGrp/BOYAmt010640041
IRS990/AccountsReceivableGrp/EOYAmt011078121
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0PROVIDES SAVINGS AND LOAN PRODUCTS FOR MEMBERS AT COMPETETIVE RATES
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt04306
IRS990/AdvertisingGrp/TotalAmt04306
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/AllOtherExpensesGrp/ProgramServicesAmt0119717
IRS990/AllOtherExpensesGrp/TotalAmt0119717
IRS990/BackupWthldComplianceInd0false
IRS990/BooksInCareOfDetail/PersonNm0LAURA COX
IRS990/BooksInCareOfDetail/PhoneNum05756235444
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01401 N LEA
IRS990/BooksInCareOfDetail/USAddress/CityNm0ROSWELL
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NM
IRS990/BooksInCareOfDetail/USAddress/ZIPCd088201
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0382147
IRS990/CashNonInterestBearingGrp/EOYAmt0361735
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt073475
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt073475
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/FundraisingAmt00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt00
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt03974
IRS990/ConferencesMeetingsGrp/TotalAmt03974
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0767273
IRS990/CYOtherExpensesAmt0538108
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0924878
IRS990/CYRevenuesLessExpensesAmt0878467
IRS990/CYSalariesCompEmpBnftPaidAmt0275576
IRS990/CYTotalExpensesAmt0813684
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01692151
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt010655
IRS990/DepreciationDepletionGrp/TotalAmt010655
IRS990/Desc0THE CREDIT UNION OFFERS LOANS OF VARIOUS TYPES AT COMPETETIVE RATES
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt05
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt014856
IRS990/FeesForServicesAccountingGrp/TotalAmt014856
IRS990/FeesForServicesOtherGrp/FundraisingAmt00
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt03331
IRS990/FeesForServicesOtherGrp/TotalAmt03331
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/PersonNm0DAN JENNINGS
IRS990/Form990PartVIISectionAGrp/PersonNm1HAROLD PLEASANT
IRS990/Form990PartVIISectionAGrp/PersonNm2JULIE SEILER
IRS990/Form990PartVIISectionAGrp/PersonNm3SHELLEY MONTGOMERY
IRS990/Form990PartVIISectionAGrp/PersonNm4DEBBIE NORRIS
IRS990/Form990PartVIISectionAGrp/PersonNm5DEB BEYHAN
IRS990/Form990PartVIISectionAGrp/PersonNm6JANYCE CALLAWAY
IRS990/Form990PartVIISectionAGrp/PersonNm7LAURA COX
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt773475
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt7MANAGER, TREASURER
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01952
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01692151
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt0117286
IRS990/InformationTechnologyGrp/TotalAmt0117286
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt022771
IRS990/InsuranceGrp/TotalAmt022771
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0767273
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt017818000
IRS990/InvestmentsProgramRelatedGrp/EOYAmt018949000
IRS990/IRPDocumentCnt0783
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0371034
IRS990/LandBldgEquipBasisNetGrp/BOYAmt029135
IRS990/LandBldgEquipBasisNetGrp/EOYAmt038713
IRS990/LandBldgEquipCostOrOtherBssAmt0409747
IRS990/LegalDomicileStateCd0NM
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0PROVIDES SAVINGS AND LOAN PRODUCTS FOR MEMBERS AT COMPETETIVE RATES
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt07052789
IRS990/NetAssetsOrFundBalancesEOYAmt07931256
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt011774
IRS990/OccupancyGrp/TotalAmt011774
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt040617
IRS990/OfficeExpensesGrp/TotalAmt040617
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0364923
IRS990/OtherAssetsTotalGrp/EOYAmt0368871
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt018900
IRS990/OtherEmployeeBenefitsGrp/TotalAmt018900
IRS990/OtherExpensesGrp/Desc0DUES
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2CARD EXPENSES
IRS990/OtherExpensesGrp/Desc3LOAN LOSS PROVISION
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt018580
IRS990/OtherExpensesGrp/ProgramServicesAmt18150
IRS990/OtherExpensesGrp/ProgramServicesAmt2160776
IRS990/OtherExpensesGrp/ProgramServicesAmt31315
IRS990/OtherExpensesGrp/TotalAmt018580
IRS990/OtherExpensesGrp/TotalAmt18150
IRS990/OtherExpensesGrp/TotalAmt2160776
IRS990/OtherExpensesGrp/TotalAmt31315
IRS990/OtherLiabilitiesGrp/BOYAmt028848593
IRS990/OtherLiabilitiesGrp/EOYAmt029363548
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0156556
IRS990/OtherSalariesAndWagesGrp/TotalAmt0156556
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt018026
IRS990/PayrollTaxesGrp/TotalAmt018026
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt08619
IRS990/PensionPlanContributionsGrp/TotalAmt08619
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt049441
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt027333
IRS990/PrincipalOfficerNm0LAURA COX
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0635750
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1289128
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION OFFERS SAVINGS PRODUCTS OF VARIOUS TYPES AT COMPETETIVE RATES
IRS990/ProgSrvcAccomActy3Grp/Desc0THE CREDIT UNION OFFERS IRA PRODUCTS OF VARIOUS TYPES AT COMPETETIVE RATES
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0662158
IRS990/PYOtherExpensesAmt0522371
IRS990/PYProgramServiceRevenueAmt0865479
IRS990/PYRevenuesLessExpensesAmt0745683
IRS990/PYSalariesCompEmpBnftPaidAmt0259583
IRS990/PYTotalExpensesAmt0781954
IRS990/PYTotalRevenueAmt01527637
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0128896
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0104062
IRS990/ReconcilationRevenueExpnssAmt0878467
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07052789
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07931256
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06590814
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06446381
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt017269
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0275394
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0292663
IRS990ScheduleD/EquipmentGrp/BookValueAmt015457
IRS990ScheduleD/EquipmentGrp/DepreciationAmt095640
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0111097
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt018949000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CDS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/LandGrp/BookValueAmt05987
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt05987
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt029363548
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt038713
IRS990ScheduleD/TotalBookValueProgramRltdAmt018949000
IRS990ScheduleD/TotalLiabilityAmt029363548
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt06481
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt112725
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt212696
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt330387
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt426505
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt515268
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0AUTO/SIG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3AUTO/SIG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt033936
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt134994
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt218000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt348163
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt445395
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt518074
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0HAROLD PLEASANT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1DEB BEYHAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2LAURA COX
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3SHELLEY MONTGOMERY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4DEB NORRIS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5JULIE SEILER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2MANAGER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/TotalBalanceDueAmt0104062
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL ACCOUNTHOLDERS ARE MEMBER OWNERS OF THE CREDIT UNION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL MEMBER OWNERS CAN VOTE FOR APPOINTMENTS TO THE BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD REVIEWS A COPY OF THE 990 PRIOR TO FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4PERFORMANCE EVALUATIONS ARE USED TO DETERMINE ANY CHANGES IN COMPENSATION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5PERFORMANCE EVALUATIONS ARE USED TO DETERMINE ANY CHANGES IN COMPENSATION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6EXAM EXPENSE 7582. 7582.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7MISC 3847. 3847.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8DIVIDENDS 76888. 76888.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9WEBSITE 7392. 7392.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10SHARE DRAFT 5253. 5253.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11BANK CHARGES 10350. 10350.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12ARMORED SERVICE 8405. 8405.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990, Part IX, Line 24e
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false

Document Assets

No mirrored PDF or thumbnail assets are attached yet.