QUESTA CREDIT UNION (EIN 850161632) - 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

1959

Legal Domicile

Principal Officer

KATHERINE FLORY

Phone

5052635796

Tax Period

2024-01-01 to 2024-12-31

QUESTA CREDIT UNION, founded in 1959, is a community nonprofit that reported $2.1M in total revenue in fiscal year 2024. Revenue surged 29% from the prior year, signaling strong growth momentum. The organization ran a surplus of $630K, a strong 30% operating margin.

Mission

THE CREDIT UNION BELIEVES IN DEVELOPING AND MAINTAINING A LONG-TERM RELATIONSHIP WITH OUR MEMBERS

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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 (2024)

Revenue Breakdown

Contributions & Grants $170,842

Program Service Revenue $1,597,390

Investment Income $344,212

Other Revenue $7,925

TOTAL REVENUE $2,120,369

Expense Breakdown

Grants Paid $170,842

Salaries & Benefits $369,341

Fundraising Expenses $0

Program Expenses $0

Other Expenses $950,010

TOTAL EXPENSES $1,490,193

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,120,369	$1,649,711	+0.3%
Expenses	$1,490,193	$954,290	+0.6%
Net Income	$630,176	$695,421	-0.1%

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

$99,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MALAQUIAS RAEL	CHAIRMAN	5.00	Officer Director	$0	$0	$0
MICHELLE SPEARS	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
CYNTHIA RAEL VIGIL	SECRETARY TREASURER	1.00	Officer Director	$0	$0	$0
GERALDINE TAFOYA	BOARD MEMBER	1.00	Director	$0	$0	$0
KATHERINE FLORY	MANAGER	40.00	Officer	$90,000	$9,000	$99,000
BRIAN TORRES	BOARD MEMBER	1.00	Director	$0	$0	$0
JOSE LOVATO	BOARD MEMBER	1.00	Director	$0	$0	$0
DONALD GALLEGOS	BOARD MEMBER	1.00	Director	$0	$0	$0

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	$2,120,369	$1,490,193	$25,807,026	$630,176
2023	$1,649,711	$954,290	$23,308,571	$695,421
2022	$1,083,528	$687,224	$19,209,554	$396,304
2021	$938,978	$578,071	$17,006,111	$360,907
2020	$776,827	$481,901	$13,432,403	$294,926
2019	$687,637	$426,535	$10,766,089	$261,102
2018	$621,875	$360,770	$9,855,669	$261,105

QUESTA CREDIT UNION