Civic Intelligence

Questa Credit Union

990 • Fiscal year 2020 • EIN 85-0161632

Jan 01, 2020 to Dec 31, 2020 • Filed on Aug 09, 2021

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

20th percentile

0.79x

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

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Liabilities / Revenue

20th percentile

13.64x

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

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Net Margin

99th percentile

38%

Higher net margin than 99% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Top Officer Pay

30th percentile

$60,000

Higher top officer pay than 30% of similar nonprofits.

Top officer pay equals 7.7% of source-year revenue.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Asset Growth

94th percentile

25%

Faster asset growth than 94% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Revenue Growth

97th percentile

13%

Faster revenue growth than 97% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets20th percentile

Assets

Up

$13,432,403

Up $2,666,314 (+25%) from 2019

Net Assets

Up

$2,836,008

Up $294,925 (+12%) from 2019

Liabilities

Up

$10,596,395

Up $2,371,389 (+29%) from 2019

Revenue And Expenses
Liabilities / Revenue20th percentileNet Margin99th percentile

Revenue

Up

$776,827

Up $89,190 (+13%) from 2019

Expenses

Up

$481,901

Up $55,366 (+13%) from 2019

Net Income

Up

$294,926

Up $33,824 (+13%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth94th 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

2020

Assets$13,432,403
Liabilities$10,596,395
Net Assets$2,836,008
Open 2020 Filing

Operations Trend

Revenue Growth97th 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

2020

Revenue$776,827
Expenses$481,901
Net Income$294,926
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Aug 9, 2021
Return Version
2020v4.1
Gross Receipts
$780,785
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$7,249,661$8,361,605▲ $1,111,944
Savings and Temporary Cash Investments$2,736,555$4,297,187▲ $1,560,632
Rtn Earn Endowment Incm Other Fnds$2,541,083$2,836,008▲ $294,925
Land, Buildings, and Equipment, Net$512,005$481,855▼ $30,150
Cash and Non-Interest-Bearing Accounts$142,997$162,747▲ $19,750
Prepaid Expenses and Deferred Charges$22,158$19,240▼ $2,918
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$10,766,089$13,432,403▲ $2,666,314
Other Assets Total$102,713$109,769▲ $7,056
Liabilities
Other Liabilities$8,125,640$10,549,611▲ $2,423,971
Unsecured Notes Loans Payable$77,501--
Accounts Payable and Accrued Expenses$21,865$46,784▲ $24,919
Total Liabilities$8,225,006$10,596,395▲ $2,371,389
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,541,083$2,836,008▲ $294,925
Total Liabilities and Net Assets / Fund Balance$10,766,089$13,432,403▲ $2,666,314

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$456,709$199,494$656,203
Equipment$15,146$59,570$74,716
Land$10,000-$10,000
Compensation and Service Providers
Top Officer Pay30th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Katherine FloryCEOFT$60,000$60,000

Board Members and Trustees

NameTitle
Malaquias RaelChairperson
Michelle SpearsVice Chairperson
Debra RomeroMember
Donald GallegosMember
James TrujiioMember
Nadine HerreraMember
Cynthia Rael-vigilSecretary & Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$771,692
Investment Income
$5,135
Other Revenue
$0
Change in Net Assets
$294,926
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$305,221
Salaries, Compensation, and Employee Benefits$176,680
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$88,852
Current Officers, Directors, Trustees, and Key Employees---$60,000
Fees for Services Legal---$47,518
Office Expenses---$31,194
Depreciation Depletion---$30,894
Interest---$28,685
Other Employee Benefits---$15,332
All Other Expenses---$15,060
Insurance---$14,964
Payroll Taxes---$12,496
Occupancy---$9,770
Other Expenses---$8,652
Travel---$2,627
Total Functional Expenses$0$0$0$481,901
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$10,345,940
Regular Reserves$189,129
Dividends Payable$14,542
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
Manager
Phone
5755860423
Signed
2021-08-09
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
5

Preparer

Firm
Parks & Company Plc
Address
441 N WASHINGTON, EL DORADO, AR 71730
Preparer
G Pete Parks
Phone
8708623401
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“ROUNDING -1.”

Raw XML Appendix354 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 361 LOANS TO MEMBERS IN 2020 WITH A COMBINED TOTAL OF $4,154,941.
IRS990/ProgSrvcAccomActy3Grp/Desc0THE CREDIT UNION ISSUED DIVIDENDS TO MEMBERS ON DEPOSIT ACCOUNTS DURING 2020 TOTALING APPROXIMATELY $28,700.
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IRS990ScheduleD/EquipmentGrp/BookValueAmt015146
IRS990ScheduleD/EquipmentGrp/DepreciationAmt059570
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt074716
IRS990ScheduleD/LandGrp/BookValueAmt010000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt010000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt014542
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt110345940
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2189129
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DIVIDENDS PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2REGULAR RESERVES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0481855
IRS990ScheduleD/TotalLiabilityAmt010549611
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/ExplanationTxt4ROUNDING -1.
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt010766089
IRS990/TotalAssetsEOYAmt013432403
IRS990/TotalAssetsGrp/BOYAmt010766089
IRS990/TotalAssetsGrp/EOYAmt013432403
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/TotalAmt0481901
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt08225006
IRS990/TotalLiabilitiesEOYAmt010596395
IRS990/TotalLiabilitiesGrp/BOYAmt08225006
IRS990/TotalLiabilitiesGrp/EOYAmt010596395
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02541083
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02836008
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt021748
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt021748
IRS990/TotalProgramServiceRevenueAmt0771692
IRS990/TotalReportableCompFromOrgAmt060000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0776827
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0776827
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt010766089
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt013432403
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt02627
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt077501
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/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KATHERINE FLORY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum05755860423
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-08-09
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/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/PreparationDt02021-08-04
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0G PETE PARKS
ReturnHeader/ReturnTs02021-08-13T17:07:12-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0KATHERINE
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0FLORY
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$13,432,403
Liabilities
$10,596,395
Net assets
$2,836,008
Revenue
$776,827
Expenses
$481,901
Net income
$294,926
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
2020Detailed filing. Detailed filing data is available for this year.$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
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