Civic Intelligence

Questa Credit Union

990 • Fiscal year 2018 • EIN 85-0161632

Jan 01, 2018 to Dec 31, 2018 • Filed on Jul 26, 2019

Organization ProfileQUESTACREDITUNION.ORG
P O Box 500Questa, NM 87556

(575) 586-0423

Siviq Scores

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

Liabilities / Assets

17th percentile

0.77x

Higher debt load relative to assets than 17% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2018

Liabilities / Revenue

20th percentile

12.18x

Higher debt load relative to revenue than 20% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2018

Net Margin

100th percentile

42%

Higher net margin than 100% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2018

Top Officer Pay

19th percentile

$0

Higher top officer pay than 19% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2018

Asset Growth

98th percentile

15%

Faster asset growth than 98% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2017 to 2018

Revenue Growth

95th percentile

22%

Faster revenue growth than 95% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets17th percentile

Assets

Up

$9,855,669

Up $1,306,899 (+15%) from 2017

Net Assets

Up

$2,281,231

Up $261,105 (+13%) from 2017

Liabilities

Up

$7,574,438

Up $1,045,794 (+16%) from 2017

Revenue And Expenses
Liabilities / Revenue20th percentileNet Margin100th percentile

Revenue

Up

$621,875

Up $110,780 (+22%) from 2017

Expenses

Up

$360,770

Up $44,784 (+14%) from 2017

Net Income

Up

$261,105

Up $65,996 (+34%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth98th 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

2018

Assets$9,855,669
Liabilities$7,574,438
Net Assets$2,281,231
Open 2018 Filing

Operations Trend

Revenue Growth95th 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

2018

Revenue$621,875
Expenses$360,770
Net Income$261,105
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Jul 26, 2019
Return Version
2018v3.1
Gross Receipts
$622,875
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$5,524,376$6,325,143▲ $800,767
Savings and Temporary Cash Investments$2,483,806$2,426,584▼ $57,222
Rtn Earn Endowment Incm Other Fnds$2,020,126$2,281,231▲ $261,105
Land, Buildings, and Equipment, Net$136,119$541,577▲ $405,458
Cash and Non-Interest-Bearing Accounts$306,147$458,269▲ $152,122
Prepaid Expenses and Deferred Charges$17,439$12,784▼ $4,655
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$8,548,770$9,855,669▲ $1,306,899
Other Assets Total$80,883$91,312▲ $10,429
Liabilities
Other Liabilities$6,457,923$7,548,501▲ $1,090,578
Accounts Payable and Accrued Expenses$70,721$25,937▼ $44,784
Total Liabilities$6,528,644$7,574,438▲ $1,045,794
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,020,126$2,281,231▲ $261,105
Total Liabilities and Net Assets / Fund Balance$8,548,770$9,855,669▲ $1,306,899

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$505,824$150,379-
Land$10,000--
Equipment$25,753$46,831-
Compensation and Service Providers
Top Officer Pay19th percentile

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$596,617
Investment Income
$25,258
Other Revenue
$0
Change in Net Assets
$261,105
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$222,929
Salaries, Compensation, and Employee Benefits$137,841
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$66,753
Current Officers, Directors, Trustees, and Key Employees---$43,000
Office Expenses---$22,931
Interest---$22,369
Depreciation Depletion---$18,407
Other Employee Benefits---$18,109
Insurance---$14,173
Information Technology---$13,311
All Other Expenses---$12,458
Occupancy---$12,214
Payroll Taxes---$9,979
Advertising---$8,996
Fees for Services Accounting---$7,941
Conferences and Meetings---$7,482
Other Expenses---$6,734
Travel---$1,774
Fees for Services Management---$1,440
Fees for Services Legal---$642
Total Functional Expenses$0$0$0$360,770
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposit Accounts$7,354,452
Regular Reserves$189,129
Dividends Payable$4,920
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
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
P O BOX 500, QUESTA, NM 87556

Signing Officer

Name
Katherine Flory
Title
CEO
Phone
5755860423
Signed
2019-07-26
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
3
Volunteers
0

Preparer

Firm
Parks & Company Plc
Address
441 N WASHINGTON, EL DORADO, AR 71730
Preparer
G Pete Parks
Phone
8708623401
Raw XML Appendix358 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
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IRS990/ProgSrvcAccomActy2Grp/Desc0CREDIT UNION STAFF ISSUED 323 LOANS TO MEMBERS WITH A COMBINED TOTAL OF $2,814,556.
IRS990/ProgSrvcAccomActy3Grp/Desc0THE CREDIT UNION ISSUED TO MEMBERS DURING 2018 DIVIDENDS TOTALING APPROXIMATLY $13,500.
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IRS990ScheduleD/EquipmentGrp/BookValueAmt025753
IRS990ScheduleD/EquipmentGrp/DepreciationAmt046831
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt072584
IRS990ScheduleD/LandGrp/BookValueAmt010000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt010000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04920
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt17354452
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2189129
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DIVIDENDS PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2REGULAR RESERVES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0541577
IRS990ScheduleD/TotalLiabilityAmt07548501
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/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt08548770
IRS990/TotalAssetsEOYAmt09855669
IRS990/TotalAssetsGrp/BOYAmt08548770
IRS990/TotalAssetsGrp/EOYAmt09855669
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt0360770
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06528644
IRS990/TotalLiabilitiesEOYAmt07574438
IRS990/TotalLiabilitiesGrp/BOYAmt06528644
IRS990/TotalLiabilitiesGrp/EOYAmt07574438
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02020126
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02281231
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt088655
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt088655
IRS990/TotalProgramServiceRevenueAmt0596617
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0621875
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0621875
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt08548770
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt09855669
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt01774
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/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KATHERINE FLORY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05755860423
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-07-26
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0QUESTA CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0QUES
ReturnHeader/Filer/EIN0850161632
ReturnHeader/Filer/PhoneNum05755860423
ReturnHeader/Filer/USAddress/AddressLine1Txt0P O BOX 500
ReturnHeader/Filer/USAddress/CityNm0QUESTA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NM
ReturnHeader/Filer/USAddress/ZIPCd087556
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0BDC21129AF2491EA2712A49D82EEC45B069B962D
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0AC695414427228D889BD6F24F7BFF0FFAB6D9A77
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt066.76.118.40
ReturnHeader/FilingSecurityInformation/IPDt02019-07-26
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm010:40:38
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/PreparationDt02019-07-26
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0G PETE PARKS
ReturnHeader/ReturnTs02019-08-05T11:11:55-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$9,855,669
Liabilities
$7,574,438
Net assets
$2,281,231
Revenue
$621,875
Expenses
$360,770
Net income
$261,105
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
2018Detailed filing. Detailed filing data is available for this year.$9.86$7.57$2.28$0.62$0.36$0.26
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$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