DEMING SCHOOL EMPLOYEES CREDIT UNION

EIN: 856009262

DEMING, NM

Total Revenue
$373,348
Total Expenses
$314,319
Total Assets
$5,677,135
Net Assets
$1,122,348
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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
1954
Legal Domicile
NM
Phone
5755468310
Tax Period
2024-01-01 to 2024-12-31

DEMING SCHOOL EMPLOYEES CREDIT UNION, founded in 1954, is a small nonprofit that reported $373K in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $59K, a strong 16% operating margin.

Mission

MEMBER DEPOSIT AND LOAN SERVICES AT COMPETETIVE RATES

Program Service Accomplishments

Program 1

THE CREDIT UNION OFFERS VARIOUS TYPES OF LOANS AT COMPETETIVE RATES

Program 2

THE CREDIT UNION OFFERS VARIOUS TYPES OF SAVINGS PRODUCTS AT COMPETETIVE RATES

Program 3

THE CREDIT UNION RETURNED EARNINGS OF APPROXIMATELY $59,000 IN THE FORM OF DIVIDENDS IN 2020

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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%)

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Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $256,026
Investment Income $117,322
Other Revenue $0
TOTAL REVENUE $373,348

Expense Breakdown

Grants Paid $0
Salaries & Benefits $108,067
Fundraising Expenses $0
Other Expenses $206,252
TOTAL EXPENSES $314,319

Year-over-Year Comparison

2024 2023 Change
Revenue $373,348 $338,732 +0.1%
Expenses $314,319 $300,059 +0.0%
Net Income $59,029 $38,673 +0.5%
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

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Governance

Voting Members
5
Independent Members
5
Employees
2
Volunteers
13

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
5
$58,000
Total Directors
4
$0
Key Employees
1
$58,000
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
MARION CHRESTMAN CHAIRPERSON 2.00
Officer Director
$0 $0 $0
SARAH CABRERA VICE CHAIR 2.00
Officer Director
$0 $0 $0
DAVID VALENZUELA SECRETARY 2.00
Officer Director
$0 $0 $0
DIANA MAY-DIAZ TREASURER 2.00
Officer Director
$0 $0 $0
CHARLOTTE SPEIGHT MANAGER 40.00
Officer Key Emp Highest
$58,000 $0 $58,000
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
2025 No data No data No data No data
2024 $373,348 $314,319 $5,677,135 $59,029
2023 $338,732 $300,059 $5,564,258 $38,673
2022 $205,643 $196,976 $6,346,731 $8,667
2021 $238,914 $188,569 $6,383,742 $50,345
2020 $287,586 $241,955 $5,995,590 $45,631
2019 $291,464 $231,665 $5,473,890 $59,799
2018 $261,985 $197,160 $5,252,228 $64,825
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