Civic Intelligence

Questa Credit Union

990 • Fiscal year 2017 • EIN 85-0161632

Jan 01, 2017 to Dec 31, 2017 • Filed on Jul 11, 2018

Organization ProfileQUESTACREDITUNION.ORG
2433 Highway 522Questa, NM 87556

(575) 586-0423

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

18th percentile

0.76x

Higher debt load relative to assets than 18% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Liabilities / Revenue

19th percentile

12.77x

Higher debt load relative to revenue than 19% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Net Margin

99th percentile

38%

Higher net margin than 99% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Top Officer Pay

31st percentile

$43,000

Higher top officer pay than 31% of similar nonprofits.

Top officer pay equals 8.4% of source-year revenue.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Asset Growth

95th percentile

10%

Faster asset growth than 95% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Revenue Growth

99th percentile

33%

Faster revenue growth than 99% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets18th percentile

Assets

Up

$8,548,770

Up $784,526 (+10%) from 2016

Net Assets

Down

$2,020,126

Down $5,734,802 (-74%) from 2016

Liabilities

Up

$6,528,644

Up $6,519,328 (+69980%) from 2016

Revenue And Expenses
Liabilities / Revenue19th percentileNet Margin99th percentile

Revenue

Up

$511,095

Up $125,793 (+33%) from 2016

Expenses

Up

$315,986

Up $43,924 (+16%) from 2016

Net Income

Up

$195,109

Up $81,869 (+72%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth95th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$30M$20M$10M$0Assets 2010: $5,673,615Liabilities 2010: $10,080Net Assets 2010: $5,663,5352010Assets 2011: $5,996,415Liabilities 2011: $8,934Net Assets 2011: $5,987,4812011Assets 2012: $6,395,213Liabilities 2012: $11,494Net Assets 2012: $6,383,7192012Assets 2013: $6,696,404Liabilities 2013: $11,830Net Assets 2013: $6,684,5742013Assets 2014: $7,001,490Liabilities 2014: $25,395Net Assets 2014: $6,976,0952014Assets 2015: $7,463,702Liabilities 2015: $9,001Net Assets 2015: $7,454,7012015Assets 2016: $7,764,244Liabilities 2016: $9,316Net Assets 2016: $7,754,9282016Assets 2017: $8,548,770Liabilities 2017: $6,528,644Net Assets 2017: $2,020,1262017Assets 2018: $9,855,669Liabilities 2018: $7,574,438Net Assets 2018: $2,281,2312018Assets 2019: $10,766,089Liabilities 2019: $8,225,006Net Assets 2019: $2,541,0832019Assets 2020: $13,432,403Liabilities 2020: $10,596,395Net Assets 2020: $2,836,0082020Assets 2021: $17,006,111Liabilities 2021: $13,809,194Net Assets 2021: $3,196,9172021Assets 2022: $19,209,554Liabilities 2022: $15,616,333Net Assets 2022: $3,593,2212022Assets 2023: $23,308,571Liabilities 2023: $19,019,930Net Assets 2023: $4,288,6412023Assets 2024: $25,807,026Liabilities 2024: $20,888,209Net Assets 2024: $4,918,8172024

Highlighted filing

2017

Assets$8,548,770
Liabilities$6,528,644
Net Assets$2,020,126
Open 2017 Filing

Operations Trend

Revenue Growth99th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$3.0M$2.0M$1.0M$0Expenses 2010: $220,8532010Expenses 2011: $202,2532011Revenue 2012: $293,500Expenses 2012: $201,127Net Income 2012: $92,3732012Revenue 2013: $267,849Expenses 2013: $201,101Net Income 2013: $66,7482013Revenue 2014: $312,804Expenses 2014: $283,427Net Income 2014: $29,3772014Revenue 2015: $286,955Expenses 2015: $236,244Net Income 2015: $50,7112015Revenue 2016: $385,302Expenses 2016: $272,062Net Income 2016: $113,2402016Revenue 2017: $511,095Expenses 2017: $315,986Net Income 2017: $195,1092017Revenue 2018: $621,875Expenses 2018: $360,770Net Income 2018: $261,1052018Revenue 2019: $687,637Expenses 2019: $426,535Net Income 2019: $261,1022019Revenue 2020: $776,827Expenses 2020: $481,901Net Income 2020: $294,9262020Revenue 2021: $938,978Expenses 2021: $578,071Net Income 2021: $360,9072021Revenue 2022: $1,083,528Expenses 2022: $687,224Net Income 2022: $396,3042022Revenue 2023: $1,649,711Expenses 2023: $954,290Net Income 2023: $695,4212023Revenue 2024: $2,120,369Expenses 2024: $1,490,193Net Income 2024: $630,1762024

Highlighted filing

2017

Revenue$511,095
Expenses$315,986
Net Income$195,109
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Jul 11, 2018
Return Version
2017v2.3
Gross Receipts
$513,791
Mission and Program Overview

Mission

The purpose of the Questa Credit Union is to promote thrift among it 915 members by creating a source of credit for them at a legitimate rate of interest for a productive purpose, and providing financial services, including share drafts, a much needed service, for the community and our members.

The credit union believes in developing and maintaining a long-term relationship with our members and helping them achieve their financial goals.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,184,701$5,524,376▲ $1,339,675
Savings and Temporary Cash Investments$1,458,109$2,483,806▲ $1,025,697
Rtn Earn Endowment Incm Other Fnds$1,825,017$2,020,126▲ $195,109
Investments Program Related$1,591,586--
Cash and Non-Interest-Bearing Accounts$197,877$306,147▲ $108,270
Land, Buildings, and Equipment, Net$145,121$136,119▼ $9,002
Receivables From Officers Etc$88,192--
Prepaid Expenses and Deferred Charges$25,722$17,439▼ $8,283
Accounts Receivable$15,500--
Inventories for Sale or Use$1,898--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$7,764,244$8,548,770▲ $784,526
Other Assets Total$55,538$80,883▲ $25,345
Liabilities
Other Liabilities$5,929,911$6,457,923▲ $528,012
Accounts Payable and Accrued Expenses$9,316$70,721▲ $61,405
Total Liabilities$5,939,227$6,528,644▲ $589,417
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,825,017$2,020,126▲ $195,109
Total Liabilities and Net Assets / Fund Balance$7,764,244$8,548,770▲ $784,526

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$121,737$137,816-
Land$10,000--
Equipment$4,382$40,987-
Compensation and Service Providers
Top Officer Pay31st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Katherine FloryFinancial ManagerFT$43,000$43,000
Laurie MontoyaOperations ManagerFT$40,000$40,000

Board Members and Trustees

NameTitle
Malaquias RaelChairperson
Debra RomeroVice Chairperson
Cynthia Rael-vigilMember
Gerald CisnerosMember
Michelle SpearsMember
Nadine HerreraMember
Ronnie CardenasSecretary & Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$497,938
Investment Income
$13,157
Other Revenue
$0
Change in Net Assets
$195,109
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$187,718
Salaries, Compensation, and Employee Benefits$128,268
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$83,000
Other Salaries and Wages---$25,979
Information Technology---$25,192
Interest---$16,580
Office Expenses---$14,945
Depreciation Depletion---$13,100
Insurance---$12,253
Other Employee Benefits---$10,535
Occupancy---$9,242
Payroll Taxes---$8,754
Fees for Services Management---$7,192
Conferences and Meetings---$5,562
Advertising---$5,553
Fees for Services Accounting---$5,400
Other Expenses---$2,535
Travel---$1,387
All Other Expenses---$1,295
Total Functional Expenses$0$0$0$315,986
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$88,192--
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposit Accounts$6,263,586
Regular Reserves$189,129
Dividends Payable$5,208
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
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 individual members collectively own the credit union.”

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

“The credit union members can approve new board members.”

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

“The board of directors reviews the form 990 prior to filing the report with the irs.”

Form 990, Part VI, Section C, Line 19

“The credit union makes its governing documents and financial statements available to members upon request. The credit union does not currently have a conflict of interest policy.”

Filing and Contact Details

Filer

Filer Name
Questa Credit Union
EIN
85-0161632
Phone
5755860423
Address
2433 HIGHWAY 522, QUESTA, NM 87556

Signing Officer

Name
Katherine Flory
Title
CEO
Phone
5755860423
Signed
2018-07-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Katherine Flory
Formed
1959
Legal Domicile
Nm
Voting Board Members
7
Independent Board Members
7
Employees
5
Volunteers
7

Preparer

Firm
Parks & Company Plc
Address
441 N WASHINGTON, EL DORADO, AR 71730
Preparer
G Pete Parks
Phone
8708623401
Raw XML Appendix365 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/ProgSrvcAccomActy2Grp/Desc0CREDIT UNION STAFF ISSUED 301 LOANS TO MEMBERS WITH A COMBINED TOTAL OF $3,085,000.
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IRS990/PYTotalRevenueAmt0385302
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt088192
IRS990/ReconcilationRevenueExpnssAmt0195109
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01825017
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02020126
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01458109
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02483806
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0121737
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0137816
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0259553
IRS990ScheduleD/EquipmentGrp/BookValueAmt04382
IRS990ScheduleD/EquipmentGrp/DepreciationAmt040987
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt045369
IRS990ScheduleD/LandGrp/BookValueAmt010000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt010000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt05208
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt16263586
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2189129
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DIVIDENDS PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2REGULAR RESERVES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0136119
IRS990ScheduleD/TotalLiabilityAmt06457923
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE INDIVIDUAL MEMBERS COLLECTIVELY OWN THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION MEMBERS CAN APPROVE NEW BOARD MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS REVIEWS THE FORM 990 PRIOR TO FILING THE REPORT WITH THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS AVAILABLE TO MEMBERS UPON REQUEST. THE CREDIT UNION DOES NOT CURRENTLY HAVE A CONFLICT OF INTEREST POLICY.
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 B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt07764244
IRS990/TotalAssetsEOYAmt08548770
IRS990/TotalAssetsGrp/BOYAmt07764244
IRS990/TotalAssetsGrp/EOYAmt08548770
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/TotalAmt0315986
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt05939227
IRS990/TotalLiabilitiesEOYAmt06528644
IRS990/TotalLiabilitiesGrp/BOYAmt05939227
IRS990/TotalLiabilitiesGrp/EOYAmt06528644
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01825017
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02020126
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt071707
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt071707
IRS990/TotalProgramServiceRevenueAmt0497938
IRS990/TotalReportableCompFromOrgAmt083000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0511095
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0511095
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07764244
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt08548770
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt01387
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02433 HIGHWAY 522
IRS990/USAddress/CityNm0QUESTA
IRS990/USAddress/StateAbbreviationCd0NM
IRS990/USAddress/ZIPCd087556
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0QUESTACREDITUNION.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KATHERINE FLORY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05755860423
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-07-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0QUESTA CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0QUES
ReturnHeader/Filer/EIN0850161632
ReturnHeader/Filer/PhoneNum05755860423
ReturnHeader/Filer/USAddress/AddressLine1Txt02433 HIGHWAY 522
ReturnHeader/Filer/USAddress/CityNm0QUESTA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NM
ReturnHeader/Filer/USAddress/ZIPCd087556
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0A6BE046D9649E82C1D8B612C3E0EBEB38319710D
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0AC695414427228D889BD6F24F7BFF0FFAB6D9A77
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt066.76.118.40
ReturnHeader/FilingSecurityInformation/IPDt02018-07-11
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm015:05:40
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202126731
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0PARKS & COMPANY PLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0441 N WASHINGTON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0EL DORADO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0AR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd071730
ReturnHeader/PreparerPersonGrp/PhoneNum08708623401
ReturnHeader/PreparerPersonGrp/PreparationDt02018-07-06
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0G PETE PARKS
ReturnHeader/ReturnTs02018-08-03T09:38:40-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$8,548,770
Liabilities
$6,528,644
Net assets
$2,020,126
Revenue
$511,095
Expenses
$315,986
Net income
$195,109
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.8$20.9$4.92$2.12$1.49$0.63
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.3$19.0$4.29$1.65$0.95$0.70
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.2$15.6$3.59$1.08$0.69$0.40
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.0$13.8$3.20$0.94$0.58$0.36
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.4$10.6$2.84$0.78$0.48$0.29
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.8$8.23$2.54$0.69$0.43$0.26
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.86$7.57$2.28$0.62$0.36$0.26
2017Detailed filing. Detailed filing data is available for this year.$8.55$6.53$2.02$0.51$0.32$0.20
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.76$0.01$7.75$0.39$0.27$0.11
2015Detailed filing. Detailed filing data is available for this year.$7.46$0.01$7.45$0.29$0.24$0.05
2014Detailed filing. Detailed filing data is available for this year.$7.00$0.03$6.98$0.31$0.28$0.03
2013Detailed filing. Detailed filing data is available for this year.$6.70$0.01$6.68$0.27$0.20$0.07
2012Summary only. Only limited summary data is available for this year.$6.40$0.01$6.38$0.29$0.20$0.09
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.00$0.01$5.99$0.20
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.67$0.01$5.66$0.22