Civic Intelligence

Questa Credit Union

990 • Fiscal year 2019 • EIN 85-0161632

Jan 01, 2019 to Dec 31, 2019 • Filed on Feb 26, 2020

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

0.76x

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

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Liabilities / Revenue

18th percentile

11.96x

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

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Net Margin

98th percentile

38%

Higher net margin than 98% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Top Officer Pay

18th percentile

$49,376

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 7.2% of source-year revenue.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Asset Growth

89th percentile

9.2%

Faster asset growth than 89% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Revenue Growth

77th percentile

11%

Faster revenue growth than 77% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets17th percentile

Assets

Up

$10,766,089

Up $910,420 (+9.2%) from 2018

Net Assets

Up

$2,541,083

Up $259,852 (+11%) from 2018

Liabilities

Up

$8,225,006

Up $650,568 (+8.6%) from 2018

Revenue And Expenses
Liabilities / Revenue18th percentileNet Margin98th percentile

Revenue

Up

$687,637

Up $65,762 (+11%) from 2018

Expenses

Up

$426,535

Up $65,765 (+18%) from 2018

Net Income

Down

$261,102

Down $3 (-0.0%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth89th 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

2019

Assets$10,766,089
Liabilities$8,225,006
Net Assets$2,541,083
Open 2019 Filing

Operations Trend

Revenue Growth77th 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

2019

Revenue$687,637
Expenses$426,535
Net Income$261,102
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Feb 26, 2020
Return Version
2019v5.0
Gross Receipts
$692,652
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$6,325,143$7,249,661▲ $924,518
Savings and Temporary Cash Investments$2,426,584$2,736,555▲ $309,971
Rtn Earn Endowment Incm Other Fnds$2,281,231$2,541,083▲ $259,852
Land, Buildings, and Equipment, Net$541,577$512,005▼ $29,572
Cash and Non-Interest-Bearing Accounts$458,269$142,997▼ $315,272
Prepaid Expenses and Deferred Charges$12,784$22,158▲ $9,374
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$9,855,669$10,766,089▲ $910,420
Other Assets Total$91,312$102,713▲ $11,401
Liabilities
Other Liabilities$7,548,501$8,125,640▲ $577,139
Unsecured Notes Loans Payable-$77,501-
Accounts Payable and Accrued Expenses$25,937$21,865▼ $4,072
Total Liabilities$7,574,438$8,225,006▲ $650,568
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,281,231$2,541,083▲ $259,852
Total Liabilities and Net Assets / Fund Balance$9,855,669$10,766,089▲ $910,420

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$481,267$174,936-
Land$10,000--
Equipment$20,738$53,233-
Compensation and Service Providers
Top Officer Pay18th percentile

Employees

NameTitleFull / Part TimeOtherTotal
Katherine FloryCEOFT$49,376$49,376

Board Members and Trustees

NameTitle
Malaquias RaelChairperson
Michelle SpearsVice Chairperson
Cynthia Rael-vigilMember
Debra RomeroMember
James TrujiioMember
Nadine HerreraMember
Ronnie CardenasSecretary & Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$664,004
Investment Income
$23,633
Other Revenue
$0
Change in Net Assets
$261,102
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$269,055
Salaries, Compensation, and Employee Benefits$157,480
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$80,801
Current Officers, Directors, Trustees, and Key Employees---$49,376
Depreciation Depletion---$30,960
Office Expenses---$29,735
Information Technology---$27,215
Interest---$26,744
Other Employee Benefits---$20,217
Insurance---$13,218
Occupancy---$12,206
Advertising---$9,642
Payroll Taxes---$7,086
Conferences and Meetings---$6,615
All Other Expenses---$4,229
Other Expenses---$3,122
Fees for Services Legal---$2,185
Travel---$1,513
Fees for Service Investment Mgmnt Fees---$629
Total Functional Expenses$0$0$0$426,535
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$7,929,191
Regular Reserves$189,129
Dividends Payable$7,320
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
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
2020-02-26
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
4
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.

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IRS990/ProgSrvcAccomActy2Grp/Desc0CREDIT UNION STAFF ISSUED 334 LOANS TO MEMBERS WITH A COMBINED TOTAL OF $3,284,340.
IRS990/ProgSrvcAccomActy3Grp/Desc0THE CREDIT UNION ISSUED TO MEMBERS DURING 2019 DIVIDENDS TOTALING APPROXIMATELY $26,700.
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IRS990ScheduleD/BuildingsGrp/BookValueAmt0481267
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0174936
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0656203
IRS990ScheduleD/EquipmentGrp/BookValueAmt020738
IRS990ScheduleD/EquipmentGrp/DepreciationAmt053233
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt073971
IRS990ScheduleD/LandGrp/BookValueAmt010000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt010000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt07320
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt17929191
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2189129
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DIVIDENDS PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2REGULAR RESERVES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0512005
IRS990ScheduleD/TotalLiabilityAmt08125640
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/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt09855669
IRS990/TotalAssetsEOYAmt010766089
IRS990/TotalAssetsGrp/BOYAmt09855669
IRS990/TotalAssetsGrp/EOYAmt010766089
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/TotalAmt0426535
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt07574438
IRS990/TotalLiabilitiesEOYAmt08225006
IRS990/TotalLiabilitiesGrp/BOYAmt07574438
IRS990/TotalLiabilitiesGrp/EOYAmt08225006
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02281231
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02541083
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt03360
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt03360
IRS990/TotalProgramServiceRevenueAmt0664004
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0687637
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0687637
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt09855669
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt010766089
IRS990/TotReportableCompRltdOrgAmt049376
IRS990/TravelGrp/TotalAmt01513
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt077501
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/BuildTS02020-09-23 17:36:50Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KATHERINE FLORY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05755860423
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-02-26
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/AtSubmissionCreationDeviceId0A6BE046D9649E82C1D8B612C3E0EBEB38319710D
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId020C0933C655DD6A388288A86FB19FCEC03098D64
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt066.76.118.40
ReturnHeader/FilingSecurityInformation/IPDt02020-02-26
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm010:23:28
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/PreparationDt02020-02-26
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0G PETE PARKS
ReturnHeader/ReturnTs02020-03-06T12:01:12-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$10,766,089
Liabilities
$8,225,006
Net assets
$2,541,083
Revenue
$687,637
Expenses
$426,535
Net income
$261,102
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
2019Detailed filing. Detailed filing data is available for this year.$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
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