Civic Intelligence

High Desert Community Credit Union

EIN 85-0157089 • 501(c)14 • Aztec, NM

Profile

To promote thrift among its members and to create a source of credit for them at legitimate interest for provident and productive purposes.

321 South Main AveAztec, NM 87410

highdesertcu.org

Siviq Scores

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

Liabilities / Assets

60th percentile

0.88x

Higher debt load relative to assets than 60% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2023

Liabilities / Revenue

28th percentile

13.35x

Higher debt load relative to revenue than 28% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2023

Net Margin

80th percentile

20%

Higher net margin than 80% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

18th percentile

-6.1%

Faster asset growth than 18% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2022 to 2023

Revenue Growth

73rd percentile

17%

Faster revenue growth than 73% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets60th percentile

Assets

Down

$16,722,766

Down $2,876,819 (-15%) from 2023

Liabilities

Down

$14,479,797

Down $2,775,633 (-16%) from 2023

Net Assets

Down

$2,242,969

Down $101,186 (-4.3%) from 2023

Operations
Liabilities / Revenue28th percentileNet Margin80th percentile

Revenue

Down

$1,044,374

Down $247,797 (-19%) from 2023

Expenses

Up

$1,145,560

Up $115,048 (+11%) from 2023

Net Income

Down

-$101,186

Down $362,845 (-139%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth18th percentile

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

$30M$20M$10M$0Assets 2010: $4,531,418Liabilities 2010: $4,168,560Net Assets 2010: $362,8582010Assets 2011: $5,114,501Liabilities 2011: $4,646,875Net Assets 2011: $467,6262011Assets 2012: $6,127,903Liabilities 2012: $5,505,917Net Assets 2012: $621,9862012Assets 2013: $6,859,146Liabilities 2013: $6,090,976Net Assets 2013: $768,1702013Assets 2014: $7,494,810Liabilities 2014: $6,560,420Net Assets 2014: $934,3902014Assets 2015: $9,376,415Liabilities 2015: $8,343,956Net Assets 2015: $1,032,4592015Assets 2016: $11,620,590Liabilities 2016: $10,617,368Net Assets 2016: $1,003,2222016Assets 2017: $13,004,264Liabilities 2017: $11,823,042Net Assets 2017: $1,181,2222017Assets 2018: $15,161,806Liabilities 2018: $13,824,016Net Assets 2018: $1,337,7902018Assets 2019: $15,809,723Liabilities 2019: $14,213,340Net Assets 2019: $1,596,3832019Assets 2020: $20,819,500Liabilities 2020: $18,843,447Net Assets 2020: $1,976,0532020Assets 2021: $23,129,097Liabilities 2021: $20,931,385Net Assets 2021: $2,197,7122021Assets 2022: $20,879,861Liabilities 2022: $18,572,609Net Assets 2022: $2,307,2522022Assets 2023: $19,599,585Liabilities 2023: $17,255,430Net Assets 2023: $2,344,1552023Assets 2024: $16,722,766Liabilities 2024: $14,479,797Net Assets 2024: $2,242,9692024

Highlighted filing

2024

Assets$16,722,766
Liabilities$14,479,797
Net Assets$2,242,969
Open 2024 Filing

Operations Trend

Revenue Growth73rd percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $202,2002010Expenses 2011: $194,8622011Expenses 2012: $202,6622012Revenue 2013: $393,060Expenses 2013: $246,876Net Income 2013: $146,1842013Revenue 2014: $409,033Expenses 2014: $242,813Net Income 2014: $166,2202014Revenue 2015: $425,540Expenses 2015: $327,471Net Income 2015: $98,0692015Revenue 2016: $578,195Expenses 2016: $506,149Net Income 2016: $72,0462016Revenue 2017: $663,122Expenses 2017: $513,555Net Income 2017: $149,5672017Revenue 2018: $733,061Expenses 2018: $576,493Net Income 2018: $156,5682018Revenue 2019: $788,153Expenses 2019: $640,135Net Income 2019: $148,0182019Revenue 2020: $965,412Expenses 2020: $708,018Net Income 2020: $257,3942020Revenue 2021: $1,107,993Expenses 2021: $895,870Net Income 2021: $212,1232021Revenue 2022: $1,101,509Expenses 2022: $991,969Net Income 2022: $109,5402022Revenue 2023: $1,292,171Expenses 2023: $1,030,512Net Income 2023: $261,6592023Revenue 2024: $1,044,374Expenses 2024: $1,145,560Net Income 2024: -$101,1862024

Highlighted filing

2024

Revenue$1,044,374
Expenses$1,145,560
Net Income-$101,186
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$16,722,766
Liabilities
$14,479,797
Net assets
$2,242,969
Revenue
$1,044,374
Expenses
$1,145,560
Net income
-$101,186
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$16.7$14.5$2.24$1.04$1.15$0.10
2023Detailed filing. Detailed filing data is available for this year.$19.6$17.3$2.34$1.29$1.03$0.26
2022Detailed filing. Detailed filing data is available for this year.$20.9$18.6$2.31$1.10$0.99$0.11
2021Detailed filing. Detailed filing data is available for this year.$23.1$20.9$2.20$1.11$0.90$0.21
2020Detailed filing. Detailed filing data is available for this year.$20.8$18.8$1.98$0.97$0.71$0.26
2019Detailed filing. Detailed filing data is available for this year.$15.8$14.2$1.60$0.79$0.64$0.15
2018Detailed filing. Detailed filing data is available for this year.$15.2$13.8$1.34$0.73$0.58$0.16
2017Detailed filing. Detailed filing data is available for this year.$13.0$11.8$1.18$0.66$0.51$0.15
2016Summary only. Only limited summary data is available for this year.$11.6$10.6$1.00$0.58$0.51$0.07
2015Detailed filing. Detailed filing data is available for this year.$9.38$8.34$1.03$0.43$0.33$0.10
2014Detailed filing. Detailed filing data is available for this year.$7.49$6.56$0.93$0.41$0.24$0.17
2013Detailed filing. Detailed filing data is available for this year.$6.86$6.09$0.77$0.39$0.25$0.15
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.13$5.51$0.62$0.20
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.11$4.65$0.47$0.19
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.53$4.17$0.36$0.20
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 8, 2025
Return Version
2024v5.1
Gross Receipts
$1,044,374
Mission and Program Overview

Mission

Encourage thrift among the credit union members, create a source of credit at a fair rate of interest and provide opportunity for members to improve their economic condition.

To promote thrift among its members and to create a source of credit for them at legitimate interest for provident and productive purposes.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$11,080,025$9,028,140▼ $2,051,885
Investments Other Securities$6,254,215$6,754,575▲ $500,360
Rtn Earn Endowment Incm Other Fnds$2,344,155$2,242,969▼ $101,186
Land, Buildings, and Equipment, Net$450,915$431,714▼ $19,201
Savings and Temporary Cash Investments$1,548,819$247,567▼ $1,301,252
Cash and Non-Interest-Bearing Accounts$14,766$26,187▲ $11,421
Prepaid Expenses and Deferred Charges$14,766$0▼ $14,766
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$19,599,585$16,722,766▼ $2,876,819
Other Assets Total$236,079$234,583▼ $1,496
Liabilities
Other Liabilities$17,221,440$14,460,535▼ $2,760,905
Accounts Payable and Accrued Expenses$33,990$19,262▼ $14,728
Total Liabilities$17,255,430$14,479,797▼ $2,775,633
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,344,155$2,242,969▼ $101,186
Total Liabilities and Net Assets / Fund Balance$19,599,585$16,722,766▼ $2,876,819

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$315,811$62,849$378,660
Other Land Buildings$30,903$98,262$129,165
Land$85,000-$85,000
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Liz RuskCEOFT$80,283$80,283

Board Members and Trustees

NameTitle
Cheslea WilliamsChairman
James ConyersVice President
Anna ReddingDirector
Jolee ArellanoDirector
Beth SimsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$729,917
Investment Income
$314,457
Other Revenue
$0
Change in Net Assets
$-101,186
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$850,981
Salaries, Compensation, and Employee Benefits$294,579
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$280,746
Other Salaries and Wages---$150,192
Current Officers, Directors, Trustees, and Key Employees---$80,283
Other Expenses---$60,135
Other Employee Benefits---$46,084
All Other Expenses---$43,650
Office Expenses---$28,996
Depreciation Depletion---$21,421
Occupancy---$18,756
Payroll Taxes---$18,020
Conferences and Meetings---$14,798
Total Functional Expenses$0$0$0$1,145,560
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
Shares$14,460,535
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Section 501c14 credit union is composed of members.”

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

“Members vote on bylaw and charter changes. Members vote and elect board members at annual meeting.”

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

“MEMBERS VOTE ON MERGERS.”

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

“No review was or will be conducted.”

Form 990, Part VI, Section B, Line 15A

“Employee loans are management approved. Management loans are approved by the governing body.”

Form 990, Part VI, Section B, Line 15B

“The ceo/manager reviews the performance of employees to determine any increases in salary and benefits.”

Form 990, Part VI, Section C, Line 19

“Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial performance call reports are also available at www.ncua.gov for all federally insured credit unions.”

Filing and Contact Details

Filer

Filer Name
High Desert Community Credit Union
EIN
85-0157089
Phone
5053343074
Address
321 SOUTH MAIN AVE, AZTEC, NM 87410

Signing Officer

Name
Liz Rusk
Title
CEO
Signed
2025-05-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Liz Rusk
Formed
1956
Legal Domicile
Nm
Voting Board Members
5
Independent Board Members
5
Employees
7
Volunteers
5

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Thomas Cvinar
Phone
8005225820
Raw XML Appendix357 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/BOYAmt033990
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt019262
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO PROMOTE THRIFT AMONG ITS MEMBERS AND TO CREATE A SOURCE OF CREDIT FOR THEM AT LEGITIMATE INTEREST FOR PROVIDENT AND PRODUCTIVE PURPOSES.
IRS990/AdvertisingGrp/TotalAmt00
IRS990/AllOtherExpensesGrp/TotalAmt043650
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0LIZ RUSK
IRS990/BooksInCareOfDetail/PhoneNum05053343074
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0321 SOUTH MAIN AVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0AZTEC
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NM
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0874102124
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt014766
IRS990/CashNonInterestBearingGrp/EOYAmt026187
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt080283
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt014798
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0314457
IRS990/CYOtherExpensesAmt0850981
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0729917
IRS990/CYRevenuesLessExpensesAmt0-101186
IRS990/CYSalariesCompEmpBnftPaidAmt0294579
IRS990/CYTotalExpensesAmt01145560
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01044374
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt021421
IRS990/Desc0THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES AND OTHER. THE TOTAL NUMBER OF MEMBERS AT 12/31/2024 WAS 2,008
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt07
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/PersonNm0LIZ RUSK
IRS990/Form990PartVIISectionAGrp/PersonNm1ANNA REDDING
IRS990/Form990PartVIISectionAGrp/PersonNm2BETH SIMS
IRS990/Form990PartVIISectionAGrp/PersonNm3JAMES CONYERS
IRS990/Form990PartVIISectionAGrp/PersonNm4JOLEE ARELLANO
IRS990/Form990PartVIISectionAGrp/PersonNm5CHESLEA WILLIAMS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt080283
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Chairman
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01956
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01044374
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0280746
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0314457
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0314457
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt06254215
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt06754575
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt01
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0161111
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0450915
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0431714
IRS990/LandBldgEquipCostOrOtherBssAmt0592825
IRS990/LegalDomicileStateCd0NM
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0false
IRS990/MinutesOfGoverningBodyInd0false
IRS990/MissionDesc0TO PROMOTE THRIFT AMONG ITS MEMBERS AND TO CREATE A SOURCE OF CREDIT FOR THEM AT LEGITIMATE INTEREST FOR PROVIDENT AND PRODUCTIVE PURPOSES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt02344155
IRS990/NetAssetsOrFundBalancesEOYAmt02242969
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt018756
IRS990/OfficeExpensesGrp/TotalAmt028996
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0236079
IRS990/OtherAssetsTotalGrp/EOYAmt0234583
IRS990/OtherEmployeeBenefitsGrp/TotalAmt046084
IRS990/OtherExpensesGrp/Desc0CREDIT LOSS EXPENSE
IRS990/OtherExpensesGrp/Desc1MISC
IRS990/OtherExpensesGrp/Desc2PRO SERVICES
IRS990/OtherExpensesGrp/Desc3OPERATING FEES
IRS990/OtherExpensesGrp/TotalAmt0243034
IRS990/OtherExpensesGrp/TotalAmt173934
IRS990/OtherExpensesGrp/TotalAmt265511
IRS990/OtherExpensesGrp/TotalAmt360135
IRS990/OtherLiabilitiesGrp/BOYAmt017221440
IRS990/OtherLiabilitiesGrp/EOYAmt014460535
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0150192
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt011080025
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt09028140
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt018020
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt014766
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0LIZ RUSK
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INSURANCE INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0620493
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt198409
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt011015
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1620493
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt298409
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt011015
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2024 WAS 653
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0311075
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0727680
IRS990/PYProgramServiceRevenueAmt0981096
IRS990/PYRevenuesLessExpensesAmt0261659
IRS990/PYSalariesCompEmpBnftPaidAmt0302832
IRS990/PYTotalExpensesAmt01030512
IRS990/PYTotalRevenueAmt01292171
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-101186
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02344155
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02242969
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01548819
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0247567
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0315811
IRS990ScheduleD/BuildingsGrp/DepreciationAmt062849
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0378660
IRS990ScheduleD/LandGrp/BookValueAmt085000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt085000
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt030903
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt098262
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0129165
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt014460535
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0431714
IRS990ScheduleD/TotalBookValueSecuritiesAmt06754575
IRS990ScheduleD/TotalLiabilityAmt014460535
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SECTION 501C14 CREDIT UNION IS COMPOSED OF MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS VOTE ON BYLAW AND CHARTER CHANGES. MEMBERS VOTE AND ELECT BOARD MEMBERS AT ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS VOTE ON MERGERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3No review was or will be conducted.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4EMPLOYEE LOANS ARE MANAGEMENT APPROVED. MANAGEMENT LOANS ARE APPROVED BY THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CEO/MANAGER REVIEWS THE PERFORMANCE OF EMPLOYEES TO DETERMINE ANY INCREASES IN SALARY AND BENEFITS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CREDIT UNION BYLAWS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST AT THE CREDIT UNION'S MAIN OFFICE. QUARTERLY FINANCIAL PERFORMANCE CALL REPORTS ARE ALSO AVAILABLE AT WWW.NCUA.GOV FOR ALL FEDERALLY INSURED CREDIT UNIONS.
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 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt019599585
IRS990/TotalAssetsEOYAmt016722766
IRS990/TotalAssetsGrp/BOYAmt019599585
IRS990/TotalAssetsGrp/EOYAmt016722766
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01145560
IRS990/TotalGrossUBIAmt011015
IRS990/TotalLiabilitiesBOYAmt017255430
IRS990/TotalLiabilitiesEOYAmt014479797
IRS990/TotalLiabilitiesGrp/BOYAmt017255430
IRS990/TotalLiabilitiesGrp/EOYAmt014479797
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02344155
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02242969
IRS990/TotalProgramServiceRevenueAmt0729917
IRS990/TotalReportableCompFromOrgAmt080283
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01033359
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01044374
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt011015
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt019599585
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt016722766
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0321 SOUTH MAIN AVE
IRS990/USAddress/CityNm0AZTEC
IRS990/USAddress/StateAbbreviationCd0NM
IRS990/USAddress/ZIPCd0874102124
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0https://highdesertcu.org/
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LIZ RUSK
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0High Desert Community Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0HIGH
ReturnHeader/Filer/EIN0850157089
ReturnHeader/Filer/PhoneNum05053343074
ReturnHeader/Filer/USAddress/AddressLine1Txt0321 SOUTH MAIN AVE
ReturnHeader/Filer/USAddress/CityNm0AZTEC
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NM
ReturnHeader/Filer/USAddress/ZIPCd087410
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0650152722
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FINANCIAL STANDARDS GROUP INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt06447 W HIGHWAY 146
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CRESTWOOD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd040014
ReturnHeader/PreparerPersonGrp/PhoneNum08005225820
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Thomas Cvinar
ReturnHeader/ReturnTs02025-05-08T11:30:40-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.