Civic Intelligence

Deming School Employees Credit Union

EIN 85-6009262 • 501(c)14 • Deming, NM

Profile

Member deposit and loan services at competetive rates

Box 1494Deming, NM 88031

n/A

Siviq Scores

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

Liabilities / Assets

42nd percentile

0.84x

Higher debt load relative to assets than 42% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2022

Liabilities / Revenue

80th percentile

25.88x

Higher debt load relative to revenue than 80% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2022

Net Margin

50th percentile

4.2%

Higher net margin than 50% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

57th percentile

-0.6%

Faster asset growth than 57% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2021 to 2022

Revenue Growth

11th percentile

-14%

Faster revenue growth than 11% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets42nd percentile

Assets

Up

$5,677,135

Up $112,877 (+2.0%) from 2023

Liabilities

Up

$4,554,787

Up $53,848 (+1.2%) from 2023

Net Assets

Up

$1,122,348

Up $59,029 (+5.6%) from 2023

Operations
Liabilities / Revenue80th percentileNet Margin50th percentile

Revenue

Up

$373,348

Up $34,616 (+10%) from 2023

Expenses

Up

$314,319

Up $14,260 (+4.8%) from 2023

Net Income

Up

$59,029

Up $20,356 (+53%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth57th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2011: $3,921,466Liabilities 2011: $33,900Net Assets 2011: $3,887,5662011Assets 2012: $4,389,071Liabilities 2012: $29,200Net Assets 2012: $4,359,8712012Assets 2013: $4,597,448Liabilities 2013: $27,962Net Assets 2013: $4,569,4862013Assets 2014: $4,546,741Liabilities 2014: $27,193Net Assets 2014: $4,519,5482014Assets 2015: $4,567,892Liabilities 2015: $28,243Net Assets 2015: $4,539,6492015Assets 2016: $4,804,730Liabilities 2016: $4,075,371Net Assets 2016: $729,3592016Assets 2017: $4,910,397Liabilities 2017: $4,115,033Net Assets 2017: $795,3642017Assets 2018: $5,252,228Liabilities 2018: $4,392,039Net Assets 2018: $860,1892018Assets 2019: $5,473,890Liabilities 2019: $4,553,902Net Assets 2019: $919,9882019Assets 2020: $5,995,590Liabilities 2020: $5,029,971Net Assets 2020: $965,6192020Assets 2021: $6,383,742Liabilities 2021: $5,367,763Net Assets 2021: $1,015,9792021Assets 2022: $6,346,731Liabilities 2022: $5,322,085Net Assets 2022: $1,024,6462022Assets 2023: $5,564,258Liabilities 2023: $4,500,939Net Assets 2023: $1,063,3192023Assets 2024: $5,677,135Liabilities 2024: $4,554,787Net Assets 2024: $1,122,3482024

Highlighted filing

2024

Assets$5,677,135
Liabilities$4,554,787
Net Assets$1,122,348
Open 2024 Filing

Operations Trend

Revenue Growth11th percentile

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

$400K$300K$200K$100K$0Expenses 2011: $179,9582011Expenses 2012: $166,6742012Revenue 2013: $221,042Expenses 2013: $186,334Net Income 2013: $34,7082013Revenue 2014: $210,119Expenses 2014: $178,500Net Income 2014: $31,6192014Revenue 2015: $203,456Expenses 2015: $170,450Net Income 2015: $33,0062015Revenue 2016: $218,681Expenses 2016: $177,576Net Income 2016: $41,1052016Revenue 2017: $237,979Expenses 2017: $171,974Net Income 2017: $66,0052017Revenue 2018: $261,985Expenses 2018: $197,160Net Income 2018: $64,8252018Revenue 2019: $291,464Expenses 2019: $231,665Net Income 2019: $59,7992019Revenue 2020: $287,586Expenses 2020: $241,955Net Income 2020: $45,6312020Revenue 2021: $238,914Expenses 2021: $188,569Net Income 2021: $50,3452021Revenue 2022: $205,643Expenses 2022: $196,976Net Income 2022: $8,6672022Revenue 2023: $338,732Expenses 2023: $300,059Net Income 2023: $38,6732023Revenue 2024: $373,348Expenses 2024: $314,319Net Income 2024: $59,0292024

Highlighted filing

2024

Revenue$373,348
Expenses$314,319
Net Income$59,029
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,677,135
Liabilities
$4,554,787
Net assets
$1,122,348
Revenue
$373,348
Expenses
$314,319
Net income
$59,029
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$5.68$4.55$1.12$0.37$0.31$0.06
2023Detailed filing. Detailed filing data is available for this year.$5.56$4.50$1.06$0.34$0.30$0.04
2022Detailed filing. Detailed filing data is available for this year.$6.35$5.32$1.02$0.21$0.20$0.01
2021Detailed filing. Detailed filing data is available for this year.$6.38$5.37$1.02$0.24$0.19$0.05
2020Detailed filing. Detailed filing data is available for this year.$6.00$5.03$0.97$0.29$0.24$0.05
2019Detailed filing. Detailed filing data is available for this year.$5.47$4.55$0.92$0.29$0.23$0.06
2018Detailed filing. Detailed filing data is available for this year.$5.25$4.39$0.86$0.26$0.20$0.06
2017Detailed filing. Detailed filing data is available for this year.$4.91$4.12$0.80$0.24$0.17$0.07
2016Detailed filing. Detailed filing data is available for this year.$4.80$4.08$0.73$0.22$0.18$0.04
2015Detailed filing. Detailed filing data is available for this year.$4.57$0.03$4.54$0.20$0.17$0.03
2014Detailed filing. Detailed filing data is available for this year.$4.55$0.03$4.52$0.21$0.18$0.03
2013Detailed filing. Detailed filing data is available for this year.$4.60$0.03$4.57$0.22$0.19$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.39$0.03$4.36$0.17
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.92$0.03$3.89$0.18
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Feb 26, 2025
Return Version
2024v5.1
Gross Receipts
$373,348
Mission and Program Overview

Mission

Credit union savings and loan

Member deposit and loan services at competetive rates

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$2,542,815$2,835,353▲ $292,538
Other Notes and Loans Receivable, Net$2,805,248$2,524,865▼ $280,383
Rtn Earn Endowment Incm Other Fnds$1,063,319$1,122,348▲ $59,029
Cash and Non-Interest-Bearing Accounts$115,485$213,665▲ $98,180
Receivables From Officers Etc$36,634$46,255▲ $9,621
Land, Buildings, and Equipment, Net$0$0→ $0
Total Assets$5,564,258$5,677,135▲ $112,877
Other Assets Total$64,076$56,997▼ $7,079
Liabilities
Other Liabilities$4,492,939$4,545,541▲ $52,602
Accounts Payable and Accrued Expenses$8,000$9,246▲ $1,246
Total Liabilities$4,500,939$4,554,787▲ $53,848
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,063,319$1,122,348▲ $59,029
Total Liabilities and Net Assets / Fund Balance$5,564,258$5,677,135▲ $112,877

Asset Categories

AssetBook ValueDepreciationBasis
Land$0--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Charlotte SpeightManagerFT$58,000$58,000

Board Members and Trustees

NameTitle
Marion ChrestmanChairperson
Sarah CabreraVice Chair
David ValenzuelaSecretary
Diana May-diazTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$256,026
Investment Income
$117,322
Other Revenue
$0
Change in Net Assets
$59,029
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$206,252
Salaries, Compensation, and Employee Benefits$108,067
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$55,000$0$0$55,000
Other Salaries and Wages$44,191$0$0$44,191
Fees for Services Other$38,194$0$0$38,194
All Other Expenses$25,700$0$0$25,700
Office Expenses$23,771$0$0$23,771
Other Employee Benefits$8,876$0$0$8,876
Other Expenses$4,076$0$0$4,076
Occupancy$3,226$0$0$3,226
Travel$40$0$0$40
Total Functional Expenses$314,319$0$0$314,319
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$36,634$46,255▲ $9,621
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$4,399,359
Reserves$146,182
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Deming School Employees Credit Union
EIN
85-6009262
Phone
5755468310
Address
BOX 1494, DEMING, NM 88031

Signing Officer

Name
Charlotte Speight
Title
Manager
Phone
5755468310
Signed
2025-02-26
Discuss with paid preparer
Yes

Organization Details

Formed
1954
Legal Domicile
Nm
Voting Board Members
5
Independent Board Members
5
Employees
2
Volunteers
13

Preparer

Firm
Greg R Schmidt CPA
Address
26 Cypress Pt, Amarillo, TX 79124
Preparer
Greg R Schmidt
Phone
8552759297
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“All accountholders are member owners of the credit union”

Pt VI, Line 7A

“All member owners can vote for appointments to the board of directors”

Pt VI, Line 11B

“The ceo/manager reviews a draft of the 990 prior to filing”

Pt VI, Line 15A

“Performance evaluations are used to determine any changes in compensation”

Pt VI, Line 15B

“Performance evaluations are used to determine any changes in compensation”

Raw XML Appendix379 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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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1146182
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1RESERVES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalLiabilityAmt04545541
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt05674
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1481
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt218870
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt38052
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt413178
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1SIG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4SIG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt029773
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt11000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt224600
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt310328
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt415000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0DIANA DIAZ
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1DAVID VALENZUELA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2CHARLOTTE SPEIGHT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3CHARLOTTE SPEIGHT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4CHARLOTTE SPEIGHT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/TotalBalanceDueAmt046255
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL ACCOUNTHOLDERS ARE MEMBER OWNERS OF THE CREDIT UNION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL MEMBER OWNERS CAN VOTE FOR APPOINTMENTS TO THE BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CEO/MANAGER REVIEWS A DRAFT OF THE 990 PRIOR TO FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3PERFORMANCE EVALUATIONS ARE USED TO DETERMINE ANY CHANGES IN COMPENSATION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4PERFORMANCE EVALUATIONS ARE USED TO DETERMINE ANY CHANGES IN COMPENSATION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 15b
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt05564258
IRS990/TotalAssetsEOYAmt05677135
IRS990/TotalAssetsGrp/BOYAmt05564258
IRS990/TotalAssetsGrp/EOYAmt05677135
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0314319
IRS990/TotalFunctionalExpensesGrp/TotalAmt0314319
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt04500939
IRS990/TotalLiabilitiesEOYAmt04554787
IRS990/TotalLiabilitiesGrp/BOYAmt04500939
IRS990/TotalLiabilitiesGrp/EOYAmt04554787
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01063319
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01122348
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0256026
IRS990/TotalReportableCompFromOrgAmt058000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0373348
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0373348
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05564258
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05677135
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/FundraisingAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt00
IRS990/TravelGrp/ProgramServicesAmt040
IRS990/TravelGrp/TotalAmt040
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/USAddress/AddressLine1Txt0BOX 1494
IRS990/USAddress/CityNm0DEMING
IRS990/USAddress/StateAbbreviationCd0NM
IRS990/USAddress/ZIPCd088031
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHARLOTTE SPEIGHT
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum05755468310
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-02-26
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0DEMING SCHOOL EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0DEMI
ReturnHeader/Filer/EIN0856009262
ReturnHeader/Filer/PhoneNum05755468310
ReturnHeader/Filer/USAddress/AddressLine1Txt0BOX 1494
ReturnHeader/Filer/USAddress/CityNm0DEMING
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NM
ReturnHeader/Filer/USAddress/ZIPCd088031
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Greg R Schmidt CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt026 Cypress Pt
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Amarillo
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd079124
ReturnHeader/PreparerPersonGrp/PhoneNum08552759297
ReturnHeader/PreparerPersonGrp/PreparationDt02025-04-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Greg R Schmidt
ReturnHeader/ReturnTs02025-04-15T14:02:33-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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