2026-07-17T12:25:05-05:00 2025-12-31 202122306 GBQ PARTNERS LLC 230 WEST STREET SUITE 700 COLUMBUS OH 43215 990 2025-01-01 850116621 CREDIT UNIONS IN THE STATE OF NEW MEXICO CRED 5052621401 301 RIO BRAVO BLVD SE ALBUQUERQUE NM 87105 TONY DEES PRESIDENT 5052621401 2026-07-17 1 CHRISTY S ZIMMERMAN P01461057 6142211120 2026-07-16 2025 2025-03-06 01:10:19Z RIO GRANDE CREDIT UNION TONY DEES 301 RIO BRAVO BLVD SE ALBUQUERQUE NM 87105 51773294 0 X WWW.RIOGRANDECU.ORG X 1953 NM THE MISSION OF RIO GRANDE CREDIT UNION IS TO CREATE A TRUSTED PARTNERSHIP WITH OUR MEMBERS THAT DEMONSTRATES EXCELLENT MEMBER SERVICE BY PROVIDING FINANCIAL EDUCATION SOLUTIONS,COMPETITIVE PRICING AND CONVENIENCE. 7 7 160 7 0 0 0 0 42683996 40897800 6624946 7567942 0 3283571 49308942 51749313 0 0 0 0 10898042 11646931 0 0 0 48006395 34526678 58904437 46173609 -9595495 5575704 679457247 653476686 638548205 602840712 40909042 50635974 THE MISSION OF RIO GRANDE CREDIT UNION IS TO CREATE A TRUSTED PARTNERSHIP WITH OUR MEMBERS THAT DEMONSTRATES EXCELLENT MEMBER SERVICE BY PROVIDING FINANCIAL EDUCATION SOLUTIONS,COMPETITIVE PRICING AND CONVENIENCE. 0 0 7581923 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. 10543742 FEES AND CHARGES ARE ASSESSED TO MEMBERS FOR FINANCIAL SERVICES. THESE FEES GENERATE THE REVENUE NECESSARY TO PAY THE COSTS TO PROVIDE THESE SERVICES. 30354058 INTEREST IS CHARGED AT MARKET RATES TO MEMBERS TO PROVIDE REVENUE TO PAY FOR THE COST OF THE FUNDS. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 10421 0 1 160 0 0 0 0 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 0 1 1 0 1 1 1 1 0 0 0 1 1 0 0 X X THE ORGANIZATION 5052621401 301 RIO BRAVO BLVD SE ALBUQUERQUE NM 87105 IRENE SERENA DIRECTOR 4.00 X 0 0 0 LISA SEDILLO-WHITE DIRECTOR 4.00 X 0 0 0 MARK SANCHEZ BOARD CHAIR 4.00 X X 0 0 0 DIANNE BROWN DIRECTOR 4.00 X 0 0 0 PATTY FRENCH SECRETARY TREASURER 4.00 X X 0 0 0 RYAN PENA DIRECTOR 4.00 X 0 0 0 BATTY VALDEZ DIRECTOR 4.00 X 0 0 0 TONY DEES PRESIDENT / CEO 40.00 X 275036 0 0 LEON DAVIS CHIEF FINANCIAL OFFICER 40.00 X 204061 0 0 NEIL REAGIN CHIEF HUMAN RESOURCES OFFICER 40.00 X 119616 0 0 MEL LEE CHIEF INFORMATION OFFICER 40.00 X 180170 0 0 JACOB ARMIJO CHIEF LENDING OFFICER 40.00 X 206840 0 0 APRIL BRADSHAW CHIEF OPERATIONS OFFICER 40.00 X 155929 0 0 LUKE TANNER VP OF MARKETING AND COMPLI 40.00 X 129652 0 0 1271304 0 0 7 0 1 0 0 INTEREST INCOME 522100 30354058 30354058 FEES AND CHARGES 525990 10543742 10543742 40897800 7581923 7581923 10000 23981 -13981 -13981 -13981 MISC REVENUE 900099 3283571 3283571 3283571 51749313 51763294 0 -13981 1141650 9171934 372795 960552 29591 55290 735603 830201 4747125 1938015 969341 1764 14957425 1321669 188053 PROVISION FOR LOAN LOSS 6163810 LOAN SERVICING 1219733 DATA PROCESSING 1121346 MISC EXP 247712 46173609 2033437 1702362 2733408 3040220 1023041 2229461 403190061 387064868 29486631 13246875 17609564 16239756 243581814 235844857 2732000 1492000 6553922 5863162 679457247 653476686 5849016 3147909 2550576 1256532 13095024 0 617053589 598436271 638548205 602840712 X 4737146 4737146 0 0 36171896 45898828 40909042 50635974 679457247 653476686 5575704 4151228 0 X X 0 1 X 1 0 5584616 5584616 16266716 7705691 8561025 59936 9948 49988 5531236 5531236 0 2044127 2044127 16239756 SHARE ACCOUNTS 596480895 LEASE LIABILITIES 1955376 598436271 X 51749313 0 51749313 0 51749313 46173609 0 46173609 0 46173609 PART X, LINE 2: THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL TAXES UNDER THE PROVISIONS OF 501(C)(14) OF THE INTERNAL REVENUE CODE. THE CREDIT UNION ACCOUNTS FOR UNCERTAINTY IN INCOME TAXES IN ITS FINANCIAL STATEMENTS AS REQUIRED UNDER FINANCIAL ACCOUNTING STANDARDS BOARD (FASB) ACCOUNTING STANDARDS CODIFICATION (ASC), ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. THE STANDARD PRESCRIBES A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE STANDARD ALSO PROVIDES GUIDANCE ON DE-RECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE, AND TRANSITION ACCOUNTING. MANAGEMENT DETERMINED THERE WERE NO MATERIAL UNCERTAIN POSITIONS TAKEN IN ITS TAX RETURNS. X X X X X 0 0 0 TONY DEES PRESIDENT / CEO 275000 0 36 0 0 0 0 0 0 0 275036 0 0 0 JACOB ARMIJO CHIEF LENDING OFFICER 206804 0 36 0 0 0 0 0 0 0 206840 0 0 0 LEON DAVIS CHIEF FINANCIAL OFFICER 188462 0 15599 0 0 0 0 0 0 0 204061 0 0 0 MEL LEE CHIEF INFORMATION OFFICER 180170 0 0 0 0 0 0 0 0 0 180170 0 0 0 APRIL BRADSHAW CHIEF OPERATIONS OFFICER 155929 0 0 0 0 0 0 0 0 0 155929 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 THE CUSTOMERS OF THE CREDIT UNION ARE MEMBERS OF THE CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 7A THE CREDIT UNION MEMBERS ELECT MEMBERS OF THE BOARD. FORM 990, PART VI, SECTION B, LINE 11B THE CHIEF FINANCIAL OFFICER AND THE SENIOR VICE PRESIDENT OF THE HUMAN RESOURCES REVIEW THE FORM 990 PRIOR TO ITS FILING WITH THE INTERNAL REVENUE SERVICE. FORM 990, PART VI, SECTION B, LINE 15A THE BOARD OF THE CREDIT UNION REVIEWS THE CEOS SALARY YEARLY. THE BOARD USES THE CREDIT UNION SALARIES RESEARCH TOOL CUES EXECUTIVE SALARY SURVEY WHEN DETERMINING SALARIES. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNIONS FORM 990, GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE FOR INSPECTION AT THE CREDIT UNIONS MAIN BRANCH. FORM 990, PART XII, LINE 2C: THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.