Form 990 for tax year 2025
Filed by CREDIT UNIONS IN THE STATE OF NEW MEXICO.
Totals
- Total revenue
- $27,609,715
- Total expenses
- $21,938,083
- Contributions and grants received
- $143,187
- Grants paid
- $0
- Program service revenue
- $21,132,279
- Investment income
- $4,159,510
- Other revenue
- $2,174,739
- Total assets, end of year
- $336,241,455
- Total liabilities, end of year
- $296,542,752
- Net assets or fund balances, end of year
- $39,698,703
- Program services expenses (Part IX)
- $0
- Management and general expenses
- $0
- Fundraising expenses
- $0
- Program service expenses (Part III)
- not reported
Program services were 0.0% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.
Line items
Every line the filer filed in Parts VIII, IX and X, as filed and in filed order. Blank columns are left out, and the lines are not forced to add up to the totals above.
Revenue
Part VIII, the statement of revenue.
-
1e · Government grants (contributions)
$143,187
-
2a · Program service revenue: LOAN INTEREST
total $15,277,421 · related or exempt $15,277,421
-
2b · Program service revenue: LOAN SERVICE CHARGES
total $727,977 · related or exempt $727,977
-
2c · Program service revenue: OTHER SERVICE CHARGES
total $5,126,881 · related or exempt $5,126,881
-
3 · Investment income
total $4,159,510 · excluded $4,159,510
-
6a · Gross rents
real property $100
-
6c · Rental income or loss
real property $100
-
6d · Net rental income or loss
total $100 · related or exempt $100
-
7a · Gross sales of assets other than inventory
securities $13,164,425
-
7b · Less cost or other basis and sales expenses
securities $13,164,425
-
8c · Net income from fundraising events
total $0
-
11a · Other revenue: OTHER NON-OPERATING INC
total $2,174,639 · related or exempt $2,174,639
-
11e · Other revenue, total
$2,174,639
Functional expenses
Part IX, the statement of functional expenses.
-
5 · Compensation of officers, directors and key employees
total $1,677,659
-
7 · Other salaries and wages
total $5,779,786
-
8 · Pension plan contributions
total $400,713
-
9 · Other employee benefits
total $977,726
-
10 · Payroll taxes
total $573,524
-
11b · Fees: legal
total $118,100
-
11c · Fees: accounting
total $41,371
-
12 · Advertising and promotion
total $306,428
-
13 · Office expenses
total $2,477,283
-
14 · Information technology
total $690,886
-
16 · Occupancy
total $627,937
-
17 · Travel
total $35,287
-
19 · Conferences, conventions and meetings
total $247,130
-
20 · Interest
total $31
-
22 · Depreciation, depletion and amortization
total $485,175
-
24a · Other expenses: DIVIDENDS PAID TO MEMBERS
total $3,423,597 · program services $3,423,597
-
24b · Other expenses: PROFESSIONAL & OUTSIDE SERVI
total $2,708,332 · program services $2,708,332
-
24c · Other expenses: PROVISION FOR LOSSES
total $1,367,118 · program services $1,367,118
Balance sheet
Part X, book values.
-
1 · Cash, non-interest-bearing
beginning of year $5,115,058 · end of year $6,380,230
-
2 · Savings and temporary cash investments
beginning of year $68,910,565 · end of year $75,936,291
-
4 · Accounts receivable
beginning of year $29,911 · end of year $86,252
-
7 · Other notes and loans receivable
beginning of year $185,793,200 · end of year $204,637,240
-
9 · Prepaid expenses and deferred charges
beginning of year $4,160,158 · end of year $4,495,645
-
10a · Land, buildings and equipment: cost or other basis
$18,645,094
-
10b · Land, buildings and equipment: accumulated depreciation
$4,771,212
-
10c · Land, buildings and equipment, net
beginning of year $11,751,835 · end of year $13,873,882
-
11 · Investments: publicly traded securities
beginning of year $29,570,072 · end of year $29,467,124
-
14 · Intangible assets
beginning of year $348,903 · end of year $259,358
-
15 · Other assets
beginning of year $924,881 · end of year $1,105,433
-
17 · Accounts payable and accrued expenses
beginning of year $4,829,337 · end of year $5,382,695
-
19 · Deferred revenue
beginning of year $286,374 · end of year $143,187
-
25 · Other liabilities
beginning of year $267,651,684 · end of year $291,016,870
-
31 · Retained earnings, endowment or other funds
beginning of year $33,837,188 · end of year $39,698,703
Mission and programs · 2025
Mission
GUADALUPE CREDIT UNION IS A NEW MEXICO STATE CHARTERED CERTIFIED COMMUNITY DEVELOPMENT AND LOW-INCOME DESIGNATED CREDIT UNION PROVIDING FINANCIAL SERVICES TO ITS MEMBERS AS PROVIDED BY THE NEW MEXICO CREDIT UNION ACT.
-
LOAN INTEREST - INTEREST IS CHARGED AT MARKET RATES TO MEMBERS TO PROVIDE REVENUE TO PAY FOR THE COST OF THE FUNDS.
Revenue $15,277,421
-
LOAN SERVICE CHARGES - FEES AND CHARGES ARE ASSESSED TO MEMBERS FOR FINANCIAL SERVICES. THESE FEES GENERATE THE REVENUE NECESSARY TO PAY THE COSTS TO PROVIDE THESE SERVICES.
Revenue $727,977
-
OTHER SERVICE CHARGES - EARNINGS FROM THE INVESTMENTS OF THE EXCESS OF FUNDS RECEIVED FROM MEMBERS, OVER THE AMOUNT LOANED TO MEMBERS, AS WELL AS ACCUMULATED SURPLUS, IS INVESTED IN SECURITIES ALLOWED BY THE NCUA, AND THE CREDIT UNIONS GOVERNING DOCUMENTS.
Revenue $5,126,881
As filed on the 2025 return.
Listed in Part VII
-
Tanya SturgeonTANYA STURGEON
CHIEF EXECUTIVE OFFICER
- Total calculated
- $311,118
- From this org
- $282,969
- From related orgs
- $0
- Other
- $28,149
- Hours/week
- 50
Schedule J breakdown matched by us
- Base
- $282,969
- Bonus
- not reported
- Other
- not reported
- Deferred
- not reported
- Nontaxable benefits
- $28,149
- Filer's total
- $311,118
-
Nelson MedinaNELSON MEDINA
CHIEF LENDING & MARKETING OFFICER
- Total calculated
- $194,442
- From this org
- $167,735
- From related orgs
- $0
- Other
- $26,707
- Hours/week
- 50
Schedule J breakdown matched by us
- Base
- $167,735
- Bonus
- not reported
- Other
- not reported
- Deferred
- not reported
- Nontaxable benefits
- $26,707
- Filer's total
- $194,442
-
Diane Sandoval-GriegoDIANE SANDOVAL-GRIEGO
EXEC VP & CHIEF ADVOCACY OFFICER
- Total calculated
- $184,625
- From this org
- $180,973
- From related orgs
- $0
- Other
- $3,652
- Hours/week
- 50
Schedule J breakdown matched by us
- Base
- $180,973
- Bonus
- not reported
- Other
- not reported
- Deferred
- not reported
- Nontaxable benefits
- $3,652
- Filer's total
- $184,625
-
Michelle LowrieMICHELLE LOWRIE
CHIEF FINANCIAL OFFICER
- Total calculated
- $182,310
- From this org
- $179,259
- From related orgs
- $0
- Other
- $3,051
- Hours/week
- 50
Schedule J breakdown matched by us
- Base
- $179,259
- Bonus
- not reported
- Other
- not reported
- Deferred
- not reported
- Nontaxable benefits
- $3,051
- Filer's total
- $182,310
-
Kidiam RodriguezKIDIAM RODRIGUEZ
VP OF HUMAN RESOURCES
- Total calculated
- $164,742
- From this org
- $162,578
- From related orgs
- $0
- Other
- $2,164
- Hours/week
- 50
Schedule J breakdown matched by us
- Base
- $162,578
- Bonus
- not reported
- Other
- not reported
- Deferred
- not reported
- Nontaxable benefits
- $2,164
- Filer's total
- $164,742
-
James TresidderJAMES TRESIDDER
CHIEF INFORMATION OFFICER
- Total calculated
- $160,163
- From this org
- $142,182
- From related orgs
- $0
- Other
- $17,981
- Hours/week
- 50
Schedule J breakdown matched by us
- Base
- $142,182
- Bonus
- not reported
- Other
- not reported
- Deferred
- not reported
- Nontaxable benefits
- $17,981
- Filer's total
- $160,163
-
Anahi LopezANAHI LOPEZ
VP OF OPERATIONS
- Total calculated
- $124,194
- From this org
- $115,087
- From related orgs
- $0
- Other
- $9,107
- Hours/week
- 40
-
Mario S VegaMARIO S VEGA
VP OF CONSUMER LENDING
- Total calculated
- $123,757
- From this org
- $114,657
- From related orgs
- $0
- Other
- $9,100
- Hours/week
- 40
-
Karla MunozKARLA MUNOZ
VP OF RISK AND FRAUD
- Total calculated
- $120,392
- From this org
- $108,768
- From related orgs
- $0
- Other
- $11,624
- Hours/week
- 40
-
Michael SandovalMICHAEL SANDOVAL
VP OF COLLECTIONS
- Total calculated
- $111,916
- From this org
- $110,324
- From related orgs
- $0
- Other
- $1,592
- Hours/week
- 40
-
Linda MedinaLINDA MEDINA
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 8
-
Bryan MaestasBRYAN MAESTAS
BOARD CHAIR
- Total calculated
- $0
- Hours/week
- 8
-
Gladys Cobos-RomeroGLADYS COBOS-ROMERO
SECRETARYTREASURER
- Total calculated
- $0
- Hours/week
- 8
-
Carmen DominguezCARMEN DOMINGUEZ
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 8
-
Anayensi OlivasANAYENSI OLIVAS
BOARD VICE-CHAIR
- Total calculated
- $0
- Hours/week
- 8
Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us.
Schedule J
Answered yes
- 3 · Written employment contract
- 3 · Compensation survey or study
- 3 · Approval by the board or compensation committee
Answered no
- 4a · Severance or change-of-control payment
- 4b · Supplemental nonqualified retirement plan
- 4c · Equity-based compensation arrangement
Part I's answers as filed. A line not listed was left unanswered; on lines 1a and 3 that means the box was not checked.
Grants on this return
No itemized grants to organizations on this return.
Provenance
- Return type
- form_990
- Tax year
- 2025
- Filed
- 26 June 2026
- IRS schema version
- 2025v4.2
- Source object
- 202601779349300425
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