JEMEZ VALLEY CREDIT UNION (EIN 850204263) - 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

1966

Legal Domicile

Principal Officer

CHRISTINE TRUJILLO

Phone

5758293366

Tax Period

2023-01-01 to 2023-12-31

JEMEZ VALLEY CREDIT UNION, founded in 1966, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2023. Revenue surged 22% from the prior year, signaling strong growth momentum. Net assets of $3.7M represent 28 months of operating reserves.

Mission

A SOURCE OF CREDIT FOR ITS MEMBERS AT LEGITIMATE RATES OF INTEREST FOR PROVIDENT AND PRODUCTIVE PURPOSES

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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 $1,565,602

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,565,602

Expense Breakdown

Grants Paid $0

Salaries & Benefits $507,951

Fundraising Expenses $0

Program Expenses $1,544,502

Other Expenses $1,036,551

TOTAL EXPENSES $1,544,502

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,565,602	$1,285,077	+0.2%
Expenses	$1,544,502	$1,252,298	+0.2%
Net Income	$21,100	$32,779	-0.4%

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

$211,289

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTINE TRUJILLO	CEO/MANAGER	040.00	Officer Highest	$99,713	$9,471	$109,184
CODY LEWIS	ASST MANAGER/COMPLIANCE	040.00	Officer	$89,465	$12,640	$102,105
GLENDA WITT	PRESIDENT	N/A	Officer Director	$0	$0	$0
ROBERT WILSON	VICE-PRESIDENT	N/A	Officer Director	$0	$0	$0
SUZANNE SWETNAM	SECRETARY	N/A	Officer Director	$0	$0	$0
KATHY WISEMAN	TREASURER	N/A	Officer Director	$0	$0	$0
PEGGY FROELICH	MEMBER	N/A	Director	$0	$0	$0
KURT MORA	MEMBER	N/A	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	No data	No data	No data	No data
2023	$1,565,602	$1,544,502	$29,926,341	$21,100
2022	$1,285,077	$1,252,298	$30,432,862	$32,779
2021	$1,284,471	$1,154,670	$29,739,862	$129,801
2020	$1,313,410	$1,271,752	$27,996,214	$41,658
2019	$1,373,729	$1,244,906	$23,846,347	$128,823
2018	$1,238,842	$1,092,835	$24,049,859	$146,007

JEMEZ VALLEY CREDIT UNION