ZIA CREDIT UNION (EIN 850121717) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1955

Legal Domicile

Principal Officer

DWAYNE HERRERA

Phone

5056624671

Tax Period

2023-01-01 to 2023-12-31

ZIA CREDIT UNION, founded in 1955, is a mid-sized nonprofit in the Public & Societal Benefit sector that reported $12.5M in total revenue in fiscal year 2023. Expenses of $11.6M left a modest 7% surplus.

Mission

NEW MEXICO STATE CHARTERED CREDIT UNION PROVIDING FINANCIAL SERVICES TO ITS MEMBERS AS PROVIDED BY THE NEW MEXICO CREDIT UNION ACT

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $11,322,223

Investment Income $705,831

Other Revenue $434,217

TOTAL REVENUE $12,462,271

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,035,597

Fundraising Expenses $0

Other Expenses $6,552,288

TOTAL EXPENSES $11,587,885

Year-over-Year Comparison

	2023	2022	Change
Revenue	$12,462,271	$11,938,323	+0.0%
Expenses	$11,587,885	$9,716,698	+0.2%
Net Income	$874,386	$2,221,625	-0.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$415,093

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
J C GARCIA	CHAIRMAN/PRESIDENT	1.00	Officer Director	$0	$0	$0
LAWRENCE GUTIERREZ	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
MATTY PEREZ	SECRETARY	1.00	Officer Director	$0	$0	$0
THOMAS TIERNEY	TREASURER	1.00	Officer Director	$0	$0	$0
RICHARD ROYBAL	DIRECTOR	1.00	Director	$0	$0	$0
DWAYNE HERRERA	CEO	40.00	Officer	$266,304	$0	$266,304
PAUL JOHNSON	CFO	40.00	Officer	$148,789	$0	$148,789
ALBINITA ROMERO	VP OPERATIONS	40.00	Highest	$104,615	$0	$104,615
BABY MATOUSEK	VP HUMAN RESOURCES	40.00	Highest	$106,879	$0	$106,879
ROBERT VALERIO	VP LENDING	40.00	Highest	$121,981	$0	$121,981
VALERIE MARTINEZ	VP CUSTOMER EXPERIENCE	40.00	Highest	$118,923	$0	$118,923

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	No data	No data	No data	No data
2023	$12,462,271	$11,587,885	$222,413,813	$874,386
2022	$11,938,323	$9,716,698	$204,844,412	$2,221,625
2021	$10,872,858	$8,923,078	$198,577,340	$1,949,780
2020	$9,147,956	$8,125,053	$176,263,640	$1,022,903
2019	$8,777,423	$8,360,411	$148,460,894	$417,012
2018	$8,341,668	$7,428,184	$142,278,459	$913,484

ZIA CREDIT UNION