Civic Intelligence

Cardinal Trust

EIN 86-3604580 • 501(c)3 • Albuquerque, NM

990-N CoverageNTEE W60

Profile

To provide high quality Trust Services to Senior and Disabled Adults

2424 Louisiana Blvd NE Ste 220Albuquerque, NM 87110

www.cardinaltrust.org

Siviq Scores

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

Liabilities / Assets

86th percentile

0.52x

Higher debt load relative to assets than 86% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

49th percentile

0.01x

Higher debt load relative to revenue than 49% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Net Margin

43rd percentile

1.3%

Higher net margin than 43% of similar nonprofits.

501(c)3 • $500k-$1M 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

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2024

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2024

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$14,414

Up $7,391 (+105%) from 2023

Liabilities

Down

$7,493

Down $1,259 (-14%) from 2023

Net Assets

Up

$6,921

Up $8,650 (+500%) from 2023

Operations
Liabilities / Revenue49th percentileNet Margin43rd percentile

Revenue

Up

$534,652

Up $278,021 (+108%) from 2023

Expenses

Up

$527,525

Up $287,905 (+120%) from 2023

Net Income

Down

$7,127

Down $9,884 (-58%) from 2023

Trend Graphs

Balance Sheet Trend

Asset GrowthScore unavailable

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

$15K$10K$5.0K$0-$5.0KAssets 2023: $7,023Liabilities 2023: $8,752Net Assets 2023: -$1,7292023Assets 2024: $14,414Liabilities 2024: $7,493Net Assets 2024: $6,9212024

Highlighted filing

2024

Assets$14,414
Liabilities$7,493
Net Assets$6,921
Open 2024 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600K$400K$200K$0Revenue 2023: $256,631Expenses 2023: $239,620Net Income 2023: $17,0112023Revenue 2024: $534,652Expenses 2024: $527,525Net Income 2024: $7,1272024

Highlighted filing

2024

Revenue$534,652
Expenses$527,525
Net Income$7,127
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
$14,414
Liabilities
$7,493
Net assets
$6,921
Revenue
$534,652
Expenses
$527,525
Net income
$7,127
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.14$0.07$0.07$5.35$5.28$0.07
2023Detailed filing. Detailed filing data is available for this year.$0.07$0.09$0.02$2.57$2.40$0.17
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 29, 2025
Return Version
2024v5.0
Gross Receipts
$534,652
Mission and Program Overview

Mission

To provide high quality Trust Services to Senior and Disabled Adults

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$3,273$8,700▲ $5,427
Rtn Earn Endowment Incm Other Fnds$-27$6,921▲ $6,948
Accounts Receivable$3,553--
Land, Buildings, and Equipment, Net-$714-
Total Assets$6,826$14,414▲ $7,588
Other Assets Total-$5,000-
Liabilities
Accounts Payable and Accrued Expenses$5,891$7,393▲ $1,502
Other Liabilities$962$100▼ $862
Total Liabilities$6,853$7,493▲ $640
Net Assets / Fund Balance
Total Net Assets Fund Balance$-27$6,921▲ $6,948
Total Liabilities and Net Assets / Fund Balance$6,826$14,414▲ $7,588

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$714$179$893
Other Assets Org$5,000--
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Nancy OriolaFounder & Ce
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$534,652
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$7,127
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$319,472
Other Expenses$208,053
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$285,755--$285,755
Payroll Taxes$23,602--$23,602
Advertising$23,368--$23,368
Occupancy$13,177--$13,177
Travel$13,124--$13,124
Fees for Services Legal$10,184--$10,184
Other Employee Benefits$10,115--$10,115
All Other Expenses$8,453--$8,453
Other Expenses$7,904--$7,904
Office Expenses$5,719--$5,719
Insurance$5,436--$5,436
Fees for Services Other$675--$675
Conferences and Meetings$205--$205
Interest$80--$80
Total Functional Expenses$527,525$0$0$527,525
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
St Loans$100
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
No
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, Page 6, Part VI, Line 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Cardinal Trust
EIN
86-3604580
Phone
5056003002
Address
2424 LOUISIANA BLVD NE STE 220, ALBUQUERQUE, NM 87110

Signing Officer

Name
Nancy Oriola
Title
Founder & CEO
Phone
5053455529
Signed
2025-08-29

Organization Details

Principal Officer
Nancy Oriola
Voting Board Members
6
Independent Board Members
3
Employees
8

Preparer

Firm
Castellano-piatt Accounting
Address
2469 CORRALES RD STE A5, CORRALES, NM 87048
Preparer
Ruth Ann Piatt CPA
Phone
5058977382
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Book / tax depreciation difference -179”

Raw XML Appendix264 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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