Civic Intelligence

Jemez Valley Credit Union

EIN 85-0204263 • 501(c)14 • Jemez Springs, NM

Profile

Promote financial growth and development within our field of membership and create a source of credit for its members at legitimate rates of interest for provident and productive purposes.

17117 HWY 4 PO Box PO BOX 120Jemez Springs, NM 87025

www.jvcu.org

Siviq Scores

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

Liabilities / Assets

50th percentile

0.88x

Higher debt load relative to assets than 50% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

45th percentile

16.90x

Higher debt load relative to revenue than 45% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

25th percentile

1.2%

Higher net margin than 25% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

17th percentile

-5.7%

Faster asset growth than 17% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

14th percentile

-6.4%

Faster revenue growth than 14% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets50th percentile

Assets

Down

$28,227,963

Down $1,698,378 (-5.7%) from 2023

Liabilities

Down

$24,758,789

Down $1,462,940 (-5.6%) from 2023

Net Assets

Down

$3,469,174

Down $235,438 (-6.4%) from 2023

Operations
Liabilities / Revenue45th percentileNet Margin25th percentile

Revenue

Down

$1,464,839

Down $100,763 (-6.4%) from 2023

Expenses

Down

$1,447,738

Down $96,764 (-6.3%) from 2023

Net Income

Down

$17,101

Down $3,999 (-19%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth17th percentile

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

$40M$30M$20M$10M$0Assets 2010: $16,203,308Liabilities 2010: $14,529,489Net Assets 2010: $1,673,8192010Assets 2011: $16,598,522Liabilities 2011: $14,619,782Net Assets 2011: $1,978,7402011Assets 2012: $17,170,335Liabilities 2012: $14,882,378Net Assets 2012: $2,287,9572012Assets 2013: $19,464,696Liabilities 2013: $16,923,081Net Assets 2013: $2,541,6152013Assets 2014: $20,870,920Liabilities 2014: $18,128,818Net Assets 2014: $2,742,1022014Assets 2015: $20,752,570Liabilities 2015: $17,833,975Net Assets 2015: $2,918,5952015Assets 2016: $21,487,800Liabilities 2016: $18,414,152Net Assets 2016: $3,073,6482016Assets 2017: $23,064,083Liabilities 2017: $19,859,639Net Assets 2017: $3,204,4442017Assets 2018: $24,049,859Liabilities 2018: $20,699,408Net Assets 2018: $3,350,4512018Assets 2019: $23,846,347Liabilities 2019: $20,367,073Net Assets 2019: $3,479,2742019Assets 2020: $27,996,214Liabilities 2020: $24,475,282Net Assets 2020: $3,520,9322020Assets 2021: $29,739,862Liabilities 2021: $26,089,129Net Assets 2021: $3,650,7332021Assets 2022: $30,432,862Liabilities 2022: $26,749,350Net Assets 2022: $3,683,5122022Assets 2023: $29,926,341Liabilities 2023: $26,221,729Net Assets 2023: $3,704,6122023Assets 2024: $28,227,963Liabilities 2024: $24,758,789Net Assets 2024: $3,469,1742024

Highlighted filing

2024

Assets$28,227,963
Liabilities$24,758,789
Net Assets$3,469,174
Open 2024 Filing

Operations Trend

Revenue Growth14th percentile

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

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $947,8252010Expenses 2011: $688,4872011Expenses 2012: $683,9172012Revenue 2013: $973,713Expenses 2013: $720,055Net Income 2013: $253,6582013Revenue 2014: $1,026,105Expenses 2014: $825,618Net Income 2014: $200,4872014Revenue 2015: $1,034,793Expenses 2015: $858,300Net Income 2015: $176,4932015Revenue 2016: $1,047,460Expenses 2016: $884,644Net Income 2016: $162,8162016Revenue 2017: $1,125,976Expenses 2017: $995,180Net Income 2017: $130,7962017Revenue 2018: $1,238,842Expenses 2018: $1,092,835Net Income 2018: $146,0072018Revenue 2019: $1,373,729Expenses 2019: $1,244,906Net Income 2019: $128,8232019Revenue 2020: $1,313,410Expenses 2020: $1,271,752Net Income 2020: $41,6582020Revenue 2021: $1,284,471Expenses 2021: $1,154,670Net Income 2021: $129,8012021Revenue 2022: $1,285,077Expenses 2022: $1,252,298Net Income 2022: $32,7792022Revenue 2023: $1,565,602Expenses 2023: $1,544,502Net Income 2023: $21,1002023Revenue 2024: $1,464,839Expenses 2024: $1,447,738Net Income 2024: $17,1012024

Highlighted filing

2024

Revenue$1,464,839
Expenses$1,447,738
Net Income$17,101
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$28,227,963
Liabilities
$24,758,789
Net assets
$3,469,174
Revenue
$1,464,839
Expenses
$1,447,738
Net income
$17,101
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.2$24.8$3.47$1.46$1.45$0.02
2023Summary only. Only limited summary data is available for this year.$29.9$26.2$3.70$1.57$1.54$0.02
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$30.4$26.7$3.68$1.29$1.25$0.03
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.7$26.1$3.65$1.28$1.15$0.13
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.0$24.5$3.52$1.31$1.27$0.04
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.8$20.4$3.48$1.37$1.24$0.13
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.0$20.7$3.35$1.24$1.09$0.15
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.1$19.9$3.20$1.13$1.00$0.13
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.5$18.4$3.07$1.05$0.88$0.16
2015Summary only. Only limited summary data is available for this year.$20.8$17.8$2.92$1.03$0.86$0.18
2014Detailed filing. Detailed filing data is available for this year.$20.9$18.1$2.74$1.03$0.83$0.20
2013Detailed filing. Detailed filing data is available for this year.$19.5$16.9$2.54$0.97$0.72$0.25
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.2$14.9$2.29$0.68
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.6$14.6$1.98$0.69
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.2$14.5$1.67$0.95
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 6, 2025
Return Version
2024v5.1
Gross Receipts
$1,464,839
Mission and Program Overview

Mission

Promote financial growth and development within our field of membership and create a source of credit for its members at legitimate rates of interest for provident and productive purposes.

A source of credit for its members at legitimate rates of interest for provident and productive purposes.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$11,772,133$11,315,588▼ $456,545
Investments Other Securities$14,291,694$7,456,498▼ $6,835,196
Savings and Temporary Cash Investments$1,215,088$7,054,213▲ $5,839,125
Rtn Earn Endowment Incm Other Fnds$3,704,612$3,469,174▼ $235,438
Land, Buildings, and Equipment, Net$1,140,980$1,104,157▼ $36,823
Cash and Non-Interest-Bearing Accounts$1,046,348$788,287▼ $258,061
Prepaid Expenses and Deferred Charges$44,458$40,011▼ $4,447
Total Assets$29,926,341$28,227,963▼ $1,698,378
Other Assets Total$415,640$469,209▲ $53,569
Liabilities
Other Liabilities$25,966,553$24,706,343▼ $1,260,210
Accounts Payable and Accrued Expenses$255,176$52,446▼ $202,730
Total Liabilities$26,221,729$24,758,789▼ $1,462,940
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,704,612$3,469,174▼ $235,438
Total Liabilities and Net Assets / Fund Balance$29,926,341$28,227,963▼ $1,698,378

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$776,443$373,740$1,150,183
Equipment$44,327$287,161$331,488
Land$256,284-$256,284
Other Land Buildings$27,103$117,536$144,639
Other Securities$7,456,498--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cody LewisAsst Mgr/complianceFT$109,163$13,803$122,966
Christine TrujilloCEO/managerFT$109,713$10,412$120,125

Board Members and Trustees

NameTitle
Glenda WittBoard President
Robert WilsonBoard VP
Connie CarrollMember
Kurt MoraMember
Peggy FroelichMember
Suzanne SwetnamSecretary
Kathy WisemanTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,464,839
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$17,101
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$894,461
Salaries, Compensation, and Employee Benefits$553,277
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$305,547--$305,547
Comp Disqual Persons$243,091--$243,091
Other Salaries and Wages$240,185--$240,185
Fees for Services Other$103,485--$103,485
Information Technology$85,316--$85,316
Occupancy$55,268--$55,268
Depreciation Depletion$45,277--$45,277
Payroll Taxes$35,383--$35,383
Insurance$28,170--$28,170
Pension Plan Contributions$26,237--$26,237
Advertising$23,556--$23,556
Fees for Services Accounting$20,519--$20,519
Other Expenses$16,505--$16,505
Other Employee Benefits$8,381--$8,381
Fees for Services Legal$6,462--$6,462
All Other Expenses$4,227--$4,227
Travel$3,425--$3,425
Interest$2,106--$2,106
Total Functional Expenses$1,447,738$0$0$1,447,738
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
Federal income taxes$24,652,971
Payroll Taxes Payable$43,755
Member Deposits$4,989
Dividends Payable$4,628
Catalyst Loc-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Other officer compensation reviewed
No
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

“Each person with an account is a member of the credit union”

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

“At an annual of the members, which normally occurs in march of each year, the members vote for directors, approve the minutes of the previous annual meeting and vote on other items that may come before the membership”

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

“The board reviews the budget, including funds available for compensation. The board uses various information sources to determine the appropriate compensation for the ceo.”

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

“Form 990 is reviewed by the board prior to filing”

Form 990, Part VI, Section C, Line 19

“The credit union provides a copy of the form 990 to any member upon written request.”

Filing and Contact Details

Filer

Filer Name
Jemez Valley Credit Union
EIN
85-0204263
In Care Of
% CHRISTINA I TRUJILLO
Phone
5758293662
Address
17117 HWY 4 PO Box PO BOX 120, JEMEZ SPRINGS, NM 87025

Signing Officer

Name
Christine Trujillo
Title
CEO
Phone
5758293662
Signed
2025-05-06
Discuss with paid preparer
No

Organization Details

Principal Officer
Christine Trujillo
Formed
1966
Legal Domicile
Nm
Voting Board Members
7
Independent Board Members
7
Employees
10
Volunteers
13
Raw XML Appendix390 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/BOYAmt0255176
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt052446
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0A SOURCE OF CREDIT FOR ITS MEMBERS AT LEGITIMATE RATES OF INTEREST FOR PROVIDENT AND PRODUCTIVE PURPOSES.
IRS990/AdvertisingGrp/ProgramServicesAmt023556
IRS990/AdvertisingGrp/TotalAmt023556
IRS990/AllOtherExpensesGrp/ProgramServicesAmt04227
IRS990/AllOtherExpensesGrp/TotalAmt04227
IRS990/AnnualDisclosureCoveredPrsnInd0false
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0JEMEZ VALLEY CREDIT UNION
IRS990/BooksInCareOfDetail/PhoneNum05758293366
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 255 17120 HWY 4
IRS990/BooksInCareOfDetail/USAddress/CityNm0JEMEZ SPRINGS
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NM
IRS990/BooksInCareOfDetail/USAddress/ZIPCd087025
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt01046348
IRS990/CashNonInterestBearingGrp/EOYAmt0788287
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt00
IRS990/CompDisqualPersonsGrp/ProgramServicesAmt0243091
IRS990/CompDisqualPersonsGrp/TotalAmt0243091
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt00
IRS990/CYOtherExpensesAmt0894461
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt01464839
IRS990/CYRevenuesLessExpensesAmt017101
IRS990/CYSalariesCompEmpBnftPaidAmt0553277
IRS990/CYTotalExpensesAmt01447738
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01464839
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ProgramServicesAmt045277
IRS990/DepreciationDepletionGrp/TotalAmt045277
IRS990/Desc0THE CREDIT UNION PROVIDED SHARE AND LOAN SERVICES TO APPROXIMATELY 1880 MEMBERS
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt010
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/ExcsTaxSect4951Or4952Or4953Ind0false
IRS990/ExpenseAmt01447738
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt020519
IRS990/FeesForServicesAccountingGrp/TotalAmt020519
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt06462
IRS990/FeesForServicesLegalGrp/TotalAmt06462
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt0103485
IRS990/FeesForServicesOtherGrp/TotalAmt0103485
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt0040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt013803
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110412
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0CODY LEWIS
IRS990/Form990PartVIISectionAGrp/PersonNm1CHRISTINE TRUJILLO
IRS990/Form990PartVIISectionAGrp/PersonNm2GLENDA WITT
IRS990/Form990PartVIISectionAGrp/PersonNm3ROBERT WILSON
IRS990/Form990PartVIISectionAGrp/PersonNm4SUZANNE SWETNAM
IRS990/Form990PartVIISectionAGrp/PersonNm5KATHY WISEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm6PEGGY FROELICH
IRS990/Form990PartVIISectionAGrp/PersonNm7KURT MORA
IRS990/Form990PartVIISectionAGrp/PersonNm8CONNIE CARROLL
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0109163
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1109713
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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IRS990/Form990PartVIISectionAGrp/TitleTxt0ASST MGR/COMPLIANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt1CEO/MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD VP
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8MEMBER
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01966
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01464839
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt085316
IRS990/InformationTechnologyGrp/TotalAmt085316
IRS990/InsuranceGrp/ProgramServicesAmt028170
IRS990/InsuranceGrp/TotalAmt028170
IRS990/InterestGrp/ProgramServicesAmt02106
IRS990/InterestGrp/TotalAmt02106
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt014291694
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt07456498
IRS990/IRPDocumentCnt0373
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0778437
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01140980
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01104157
IRS990/LandBldgEquipCostOrOtherBssAmt01882594
IRS990/LegalDomicileStateCd0NM
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0A SOURCE OF CREDIT FOR ITS MEMBERS AT LEGITIMATE RATES OF INTEREST FOR PROVIDENT AND PRODUCTIVE PURPOSES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt03704612
IRS990/NetAssetsOrFundBalancesEOYAmt03469174
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt055268
IRS990/OccupancyGrp/TotalAmt055268
IRS990/OfficeExpensesGrp/ProgramServicesAmt0305547
IRS990/OfficeExpensesGrp/TotalAmt0305547
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0415640
IRS990/OtherAssetsTotalGrp/EOYAmt0469209
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt08381
IRS990/OtherEmployeeBenefitsGrp/TotalAmt08381
IRS990/OtherExpensesGrp/Desc0DIVIDENDS PAID TO MEMBERS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2DUES
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/ProgramServicesAmt0143369
IRS990/OtherExpensesGrp/ProgramServicesAmt136009
IRS990/OtherExpensesGrp/ProgramServicesAmt215220
IRS990/OtherExpensesGrp/ProgramServicesAmt316505
IRS990/OtherExpensesGrp/TotalAmt0143369
IRS990/OtherExpensesGrp/TotalAmt136009
IRS990/OtherExpensesGrp/TotalAmt215220
IRS990/OtherExpensesGrp/TotalAmt316505
IRS990/OtherLiabilitiesGrp/BOYAmt025966553
IRS990/OtherLiabilitiesGrp/EOYAmt024706343
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0240185
IRS990/OtherSalariesAndWagesGrp/TotalAmt0240185
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt011772133
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt011315588
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt035383
IRS990/PayrollTaxesGrp/TotalAmt035383
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt026237
IRS990/PensionPlanContributionsGrp/TotalAmt026237
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt044458
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt040011
IRS990/PrincipalOfficerNm0CHRISTINE TRUJILLO
IRS990/PriorPeriodAdjustmentsAmt0-252539
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1523000
IRS990/ProgramServiceRevenueGrp/BusinessCd2522291
IRS990/ProgramServiceRevenueGrp/BusinessCd3323100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2LOAN FEES
IRS990/ProgramServiceRevenueGrp/Desc3INVESTMENT INCOME
IRS990/ProgramServiceRevenueGrp/Desc4MISCELLANANEOUS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0801313
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1126267
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt225130
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3387093
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4125036
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0801313
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1126267
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt225130
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3387093
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4125036
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01036551
IRS990/PYProgramServiceRevenueAmt01565602
IRS990/PYRevenuesLessExpensesAmt021100
IRS990/PYSalariesCompEmpBnftPaidAmt0507951
IRS990/PYTotalExpensesAmt01544502
IRS990/PYTotalRevenueAmt01565602
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt017101
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03704612
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03469174
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01215088
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07054213
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0776443
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0373740
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01150183
IRS990ScheduleD/EquipmentGrp/BookValueAmt044327
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0287161
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0331488
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/LandGrp/BookValueAmt0256284
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0256284
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt027103
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0117536
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0144639
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt024652971
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt14989
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt24628
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt343755
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Federal income taxes
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Member Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Dividends Payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Payroll Taxes Payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4CATALYST LOC
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt07456498
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Financial derivatives and other financial products
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Closely-held equity interests
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01104157
IRS990ScheduleD/TotalBookValueSecuritiesAmt07456498
IRS990ScheduleD/TotalLiabilityAmt024706343
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EACH PERSON WITH AN ACCOUNT IS A MEMBER OF THE CREDIT UNION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1AT AN ANNUAL OF THE MEMBERS, WHICH NORMALLY OCCURS IN MARCH OF EACH YEAR, THE MEMBERS VOTE FOR DIRECTORS, APPROVE THE MINUTES OF THE PREVIOUS ANNUAL MEETING AND VOTE ON OTHER ITEMS THAT MAY COME BEFORE THE MEMBERSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD REVIEWS THE BUDGET, INCLUDING FUNDS AVAILABLE FOR COMPENSATION. THE BOARD USES VARIOUS INFORMATION SOURCES TO DETERMINE THE APPROPRIATE COMPENSATION FOR THE CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FORM 990 IS REVIEWED BY THE BOARD PRIOR TO FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CREDIT UNION PROVIDES A COPY OF THE FORM 990 TO ANY MEMBER UPON WRITTEN REQUEST.
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 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 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/TotalAssetsBOYAmt029926341
IRS990/TotalAssetsEOYAmt028227963
IRS990/TotalAssetsGrp/BOYAmt029926341
IRS990/TotalAssetsGrp/EOYAmt028227963
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01447738
IRS990/TotalFunctionalExpensesGrp/TotalAmt01447738
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt026221729
IRS990/TotalLiabilitiesEOYAmt024758789
IRS990/TotalLiabilitiesGrp/BOYAmt026221729
IRS990/TotalLiabilitiesGrp/EOYAmt024758789
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03704612
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03469174
IRS990/TotalOtherCompensationAmt024215
IRS990/TotalProgramServiceExpensesAmt01447738
IRS990/TotalProgramServiceRevenueAmt01464839
IRS990/TotalReportableCompFromOrgAmt0218876
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01464839
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01464839
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt029926341
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt028227963
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/ProgramServicesAmt03425
IRS990/TravelGrp/TotalAmt03425
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO Box 130
IRS990/USAddress/CityNm0JEMEZ SPRINGS
IRS990/USAddress/StateAbbreviationCd0NM
IRS990/USAddress/ZIPCd087025
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0JVCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0CHRISTINE TRUJILLO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05758293662
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0JEMEZ VALLEY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0JEME
ReturnHeader/Filer/EIN0850204263
ReturnHeader/Filer/InCareOfNm0% CHRISTINA I TRUJILLO
ReturnHeader/Filer/PhoneNum05758293662
ReturnHeader/Filer/USAddress/AddressLine1Txt017117 HWY 4 PO Box PO BOX 120
ReturnHeader/Filer/USAddress/CityNm0JEMEZ SPRINGS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NM
ReturnHeader/Filer/USAddress/ZIPCd087025
ReturnHeader/ReturnTs02025-05-13T03:45:24-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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