Civic Intelligence

Credit Unions in the State of New Mexico

990 • Fiscal year 2019 • EIN 85-6011990

Jan 01, 2019 to Dec 31, 2019 • Filed on Mar 04, 2020

Organization Profilewww.facebook.com/rpcuchacon
Box 149Chacon, NM 87713

(575) 387-6339

Siviq Scores

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

Liabilities / Assets

82nd percentile

0.89x

Higher debt load relative to assets than 82% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Liabilities / Revenue

45th percentile

14.94x

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

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Net Margin

61st percentile

9.7%

Higher net margin than 61% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Top Officer Pay

46th percentile

$22,658

Higher top officer pay than 46% of similar nonprofits.

Top officer pay equals 8.6% of source-year revenue.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Asset Growth

92nd percentile

7.5%

Faster asset growth than 92% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Revenue Growth

91st percentile

20%

Faster revenue growth than 91% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Up

$4,443,282

Up $309,002 (+7.5%) from 2018

Net Assets

Up

$485,489

Up $25,590 (+5.6%) from 2018

Liabilities

Up

$3,957,793

Up $283,412 (+7.7%) from 2018

Revenue And Expenses
Liabilities / Revenue45th percentileNet Margin61st percentile

Revenue

Up

$264,924

Up $43,938 (+20%) from 2018

Expenses

Up

$239,334

Up $42,403 (+22%) from 2018

Net Income

Up

$25,590

Up $1,535 (+6.4%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth92nd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$6.0M$4.0M$2.0M$0Assets 2010: $2,623,593Liabilities 2010: $2,363,331Net Assets 2010: $260,2622010Assets 2011: $3,045,790Liabilities 2011: $2,758,520Net Assets 2011: $287,2702011Assets 2012: $3,341,881Liabilities 2012: $3,022,424Net Assets 2012: $319,4572012Assets 2013: $3,445,688Liabilities 2013: $3,095,039Net Assets 2013: $350,6492013Assets 2014: $3,425,161Liabilities 2014: $3,055,939Net Assets 2014: $369,2222014Assets 2015: $3,566,599Liabilities 2015: $3,173,546Net Assets 2015: $393,0532015Assets 2016: $3,814,107Liabilities 2016: $3,398,766Net Assets 2016: $415,3412016Assets 2017: $3,831,887Liabilities 2017: $3,396,043Net Assets 2017: $435,8442017Assets 2018: $4,134,280Liabilities 2018: $3,674,381Net Assets 2018: $459,8992018Assets 2019: $4,443,282Liabilities 2019: $3,957,793Net Assets 2019: $485,4892019Assets 2020: $5,001,269Liabilities 2020: $4,491,314Net Assets 2020: $509,9552020Assets 2021: $5,454,259Liabilities 2021: $4,932,199Net Assets 2021: $522,0602021Assets 2022: $4,971,196Liabilities 2022: $4,413,154Net Assets 2022: $558,0422022Assets 2023: $5,260,258Liabilities 2023: $4,678,216Net Assets 2023: $582,0422023Assets 2024: $5,028,903Liabilities 2024: $4,447,363Net Assets 2024: $581,5402024Assets 2025: $5,840,916Liabilities 2025: $5,222,098Net Assets 2025: $618,8182025

Highlighted filing

2019

Assets$4,443,282
Liabilities$3,957,793
Net Assets$485,489
Open 2019 Filing

Operations Trend

Revenue Growth91st percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$600K$400K$200K$0-$200KExpenses 2010: $175,1382010Expenses 2011: $174,7042011Expenses 2012: $184,2342012Revenue 2013: $206,335Expenses 2013: $175,143Net Income 2013: $31,1922013Revenue 2014: $186,935Expenses 2014: $168,362Net Income 2014: $18,5732014Revenue 2015: $203,770Expenses 2015: $179,939Net Income 2015: $23,8312015Revenue 2016: $192,218Expenses 2016: $169,930Net Income 2016: $22,2882016Revenue 2017: $201,717Expenses 2017: $181,214Net Income 2017: $20,5032017Revenue 2018: $220,986Expenses 2018: $196,931Net Income 2018: $24,0552018Revenue 2019: $264,924Expenses 2019: $239,334Net Income 2019: $25,5902019Revenue 2020: $282,860Expenses 2020: $258,394Net Income 2020: $24,4662020Revenue 2021: $295,372Expenses 2021: $283,267Net Income 2021: $12,1052021Revenue 2022: $304,903Expenses 2022: $268,922Net Income 2022: $35,9812022Revenue 2023: $319,528Expenses 2023: $295,528Net Income 2023: $24,0002023Revenue 2024: $334,864Expenses 2024: $335,366Net Income 2024: -$5022024Revenue 2025: $414,363Expenses 2025: $377,085Net Income 2025: $37,2782025

Highlighted filing

2019

Revenue$264,924
Expenses$239,334
Net Income$25,590
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Mar 4, 2020
Return Version
2019v5.0
Gross Receipts
$264,924
Mission and Program Overview

Mission

Cooperative savings and lending to members

Cooperative savings and lending to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,168,117$3,577,685▲ $409,568
Savings and Temporary Cash Investments$537,201$542,737▲ $5,536
Cash and Non-Interest-Bearing Accounts$282,556$182,253▼ $100,303
Land, Buildings, and Equipment, Net$106,547$95,313▼ $11,234
Prepaid Expenses and Deferred Charges$10,428$9,744▼ $684
Total Assets$4,134,280$4,443,282▲ $309,002
Other Assets Total$29,431$35,550▲ $6,119
Liabilities
Other Liabilities$3,555,020$3,856,719▲ $301,699
Mortgage Notes Payable Secured by Investment Property$100,000$80,000▼ $20,000
Accounts Payable and Accrued Expenses$19,361$21,074▲ $1,713
Total Liabilities$3,674,381$3,957,793▲ $283,412
Net Assets / Fund Balance
Total Net Assets Fund Balance$459,899$485,489▲ $25,590
Total Liabilities and Net Assets / Fund Balance$4,134,280$4,443,282▲ $309,002

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$72,165$82,944$155,109
Equipment$5,149$18,234$23,383
Land$18,000-$18,000
Other Land Buildings$0--
Leasehold Improvements$0--

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2019----$0
2018----$0
2017----$0
2016----$0
2015----$0
Compensation and Service Providers
Top Officer Pay46th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Kristin DuranManagerFT$22,658$22,658

Board Members and Trustees

NameTitle
Arthur S RomeroPresident
Nicholas N CacadosVice President
Deirdre CordovaBoard Member
Shirley S SandovalSecretary
Jennie FresquzTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$198,762
Investment Income
$4,287
Other Revenue
$61,875
Change in Net Assets
$25,590

Audited Revenue Reconciliation

Revenue per Audited Statements
$0
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Form 990
$0
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$166,409
Salaries, Compensation, and Employee Benefits$72,925
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$42,938
All Other Expenses$0$0$0$41,621
Current Officers, Directors, Trustees, and Key Employees---$22,658
Office Expenses---$17,576
Depreciation Depletion---$16,733
Insurance---$9,750
Travel---$6,376
Payroll Taxes---$5,630
Advertising---$3,304
Conferences and Meetings---$3,120
Other Employee Benefits---$1,699
Occupancy---$1,236
Interest---$700
Other Expenses---$505
Total Functional Expenses$0$0$0$239,334

Audited Expense Reconciliation

Line ItemAmount
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Expenses per Audited Statements$0
Total Expenses per Form 990$0
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990 Part VI Section B Line 11B

“Read and reviewed prior to submission”

Form 990 Part VI Section A Line 7A

“Board elected by members of credit union”

Form 990 Part VI Section B Line 12C

“Officials disclose annually as needed”

Form 990 Part VI Section C Line 19

“Available in the credit union office as needed”

Filing and Contact Details

Filer

Filer Name
Rincones Presbyterian Credit Union
EIN
85-6011990
Phone
5753876339
Address
Box 149, Chacon, NM 87713

Signing Officer

Name
Kristin L Duran
Title
Manager
Phone
5753876339
Signed
2020-03-04
Discuss with paid preparer
No

Organization Details

Formed
1961
Voting Board Members
5
Independent Board Members
0
Employees
4
Volunteers
11

Preparer

Firm
Dreams Come True Inc
Address
1 Fawn Court, Cedar Crest, NM 87008
Preparer
Eliot Stenzel
Phone
5052203198
Raw XML Appendix363 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Board elected by members of credit union
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Officials disclose annually as needed
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Available in the credit union office as needed
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990 Part VI Section B Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990 Part VI Section A Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990 Part VI Section B Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 Part VI Section C Line 19
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt04443282
IRS990/TotalAssetsGrp/BOYAmt04134280
IRS990/TotalAssetsGrp/EOYAmt04443282
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0239334
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03674381
IRS990/TotalLiabilitiesEOYAmt03957793
IRS990/TotalLiabilitiesGrp/BOYAmt03674381
IRS990/TotalLiabilitiesGrp/EOYAmt03957793
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0459899
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0485489
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0239334
IRS990/TotalProgramServiceRevenueAmt0198762
IRS990/TotalReportableCompFromOrgAmt022658
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0264924
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04134280
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04443282
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt06376
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
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IRS990/USAddress/CityNm0Chacon
IRS990/USAddress/StateAbbreviationCd0NM
IRS990/USAddress/ZIPCd087713
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0www.facebook.com/rpcuchacon
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02020-09-23 17:36:50Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Kristin L Duran
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum05753876339
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-03-04
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Rincones Presbyterian Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0RINC
ReturnHeader/Filer/EIN0856011990
ReturnHeader/Filer/PhoneNum05753876339
ReturnHeader/Filer/USAddress/AddressLine1Txt0Box 149
ReturnHeader/Filer/USAddress/CityNm0Chacon
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NM
ReturnHeader/Filer/USAddress/ZIPCd087713
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId09844F81E1408F6ECB932137D33BED7CFDCF518A3
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId09844F81E1408F6ECB932137D33BED7CFDCF518A3
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt075.161.4.129
ReturnHeader/FilingSecurityInformation/IPDt02020-03-13
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm011:44:25
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0870701658
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Dreams Come True Inc
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01 Fawn Court
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Cedar Crest
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NM
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd087008
ReturnHeader/PreparerPersonGrp/PhoneNum05052203198
ReturnHeader/PreparerPersonGrp/PreparationDt02020-03-04
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Eliot Stenzel
ReturnHeader/ReturnTs02020-03-13T12:44:20-06:00
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
$4,443,282
Liabilities
$3,957,793
Net assets
$485,489
Revenue
$264,924
Expenses
$239,334
Net income
$25,590
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$5.84$5.22$0.62$0.41$0.38$0.04
2024Detailed filing. Detailed filing data is available for this year.$5.03$4.45$0.58$0.33$0.34$0.00
2023Detailed filing. Detailed filing data is available for this year.$5.26$4.68$0.58$0.32$0.30$0.02
2022Detailed filing. Detailed filing data is available for this year.$4.97$4.41$0.56$0.30$0.27$0.04
2021Detailed filing. Detailed filing data is available for this year.$5.45$4.93$0.52$0.30$0.28$0.01
2020Detailed filing. Detailed filing data is available for this year.$5.00$4.49$0.51$0.28$0.26$0.02
2019Detailed filing. Detailed filing data is available for this year.$4.44$3.96$0.49$0.26$0.24$0.03
2018Detailed filing. Detailed filing data is available for this year.$4.13$3.67$0.46$0.22$0.20$0.02
2017Detailed filing. Detailed filing data is available for this year.$3.83$3.40$0.44$0.20$0.18$0.02
2016Detailed filing. Detailed filing data is available for this year.$3.81$3.40$0.42$0.19$0.17$0.02
2015Detailed filing. Detailed filing data is available for this year.$3.57$3.17$0.39$0.20$0.18$0.02
2014Detailed filing. Detailed filing data is available for this year.$3.43$3.06$0.37$0.19$0.17$0.02
2013Detailed filing. Detailed filing data is available for this year.$3.45$3.10$0.35$0.21$0.18$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.34$3.02$0.32$0.18
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.05$2.76$0.29$0.17
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.62$2.36$0.26$0.18