Nonprofit · EIN 85-0157089
CREDIT UNIONS IN THE STATE OF NEW MEXICO
Also known as HIGH DESERT COMMUNITY CREDIT UNION
Tax-exempt · AZTEC, NM 87410
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $969,700 | $934,857 | $34,843 | $17,176,850 | $14,899,038 | $2,277,812 |
| December 31, 2024 | 990 | $1,044,374 | $1,145,560 | -$101,186 | $16,722,766 | $14,479,797 | $2,242,969 |
| December 31, 2023 | 990 | $1,292,171 | $1,030,512 | $261,659 | $19,599,585 | $17,255,430 | $2,344,155 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $679,654
- Investment income
- $290,046
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $77,300
- Other salaries and wages
- $141,220
- Salaries, compensation and benefits (total)
- $288,377
- Professional fundraising fees
- $0
- Occupancy
- $19,716
- Depreciation
- $21,792
Balance sheet and other
- Total assets, start of year
- $16,722,766
- Total assets, end of year
- $17,176,850
- Total liabilities, end of year
- $14,899,038
- Net assets, end of year
- $2,277,812
- Land, buildings and equipment
- $416,283
- Gross unrelated business income
- $6,597
- Gross receipts
- $969,700
- Employees
- 7
- Volunteers
- 5
- Year formed
- 1956
- State of legal domicile
- NM
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| LIZ RUSK | CEO Officer | 40 | $77,300 |
| DENNIS BARNES | Director Trustee or director | 1 | $0 |
| BETH SIMS | Treasurer Trustee or director | 1 | $0 |
| JAMES CONYERS | Vice President Trustee or director | 1 | $0 |
| JOLEE ARELLANO | Chairman Trustee or director | 1 | $0 |
| CHESLEA WILLIAMS | Director Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 6 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| LIZ RUSK | CEO Officer | 40 | $80,283 |
| ANNA REDDING | Director Trustee or director | 0 | $0 |
| BETH SIMS | Treasurer Trustee or director | 0 | $0 |
| JAMES CONYERS | Vice President Trustee or director | 0 | $0 |
| JOLEE ARELLANO | Director Trustee or director | 0 | $0 |
| CHESLEA WILLIAMS | Chairman Trustee or director | 0 | $0 |
990 for the year ended December 31, 2023: 6 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| LIZ RUSK | CEO Officer | 40 | $77,331 |
| ANNA REDDING | Chairman Trustee or director | 0 | $0 |
| SONDRA SPENCER | Treasurer Trustee or director | 0 | $0 |
| JUDY ENGLEHART | Director Trustee or director | 0 | $0 |
| BETH SIMS | Director Trustee or director | 0 | $0 |
| JAMES CONYERS | Vice President Trustee or director | 0 | $0 |
Address and contacts
- Address (IRS master file)
- 321 S MAIN AVE, AZTEC, NM 87410-2124
- Principal officer (990 for 2025)
- LIZ RUSK, 321 SOUTH MAIN AVE, AZTEC, NM 874102124
- Signed the 990
- LIZ RUSK, CEO
- Phone
- (505) 334-3074
- Website
- https://highdesertcu.org/
- Return prepared by
- FINANCIAL STANDARDS GROUP INC
Mission
TO PROMOTE THRIFT AMONG ITS MEMBERS AND TO CREATE A SOURCE OF CREDIT FOR THEM AT LEGITIMATE INTEREST FOR PROVIDENT AND PRODUCTIVE PURPOSES.
Program accomplishments
- THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES AND OTHER. THE TOTAL NUMBER OF MEMBERS AT 12/31/2025 WAS 1,923.
- THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2025 WAS 539.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 85-0157089
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1973
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 2397: CREDIT UNIONS IN THE STATE OF NEW MEXICO
- Assets (IRS master file)
- $17,176,850
- Income (IRS master file)
- $969,700
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $969,700 | $934,857 | $17,176,850 | IRS |
| 990 | December 2024 | $1,044,374 | $1,145,560 | $16,722,766 | IRS |
| 990 | December 2023 | $1,292,171 | $1,030,512 | $19,599,585 | XML |
| 990 | December 2022 | $1,101,509 | $991,969 | $20,879,861 | IRS |
| 990 | December 2021 | $1,107,993 | $895,870 | $23,129,097 | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 85-0157089).
Questions about CREDIT UNIONS IN THE STATE OF NEW MEXICO
- What is the EIN of CREDIT UNIONS IN THE STATE OF NEW MEXICO?
- The employer identification number (EIN) of CREDIT UNIONS IN THE STATE OF NEW MEXICO is 85-0157089.
- Is CREDIT UNIONS IN THE STATE OF NEW MEXICO tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1973.
- Are donations to CREDIT UNIONS IN THE STATE OF NEW MEXICO tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does CREDIT UNIONS IN THE STATE OF NEW MEXICO file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of CREDIT UNIONS IN THE STATE OF NEW MEXICO due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did CREDIT UNIONS IN THE STATE OF NEW MEXICO last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of CREDIT UNIONS IN THE STATE OF NEW MEXICO?
- The 990 for the year ended December 31, 2025 names LIZ RUSK.
- Who are the officers and directors of CREDIT UNIONS IN THE STATE OF NEW MEXICO?
- The 990 for the year ended December 31, 2025 lists 6 people; 1 received compensation from the organization, the highest $77,300 (LIZ RUSK, CEO).
- How much revenue does CREDIT UNIONS IN THE STATE OF NEW MEXICO have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $969,700, expenses of $934,857 and total assets of $17,176,850 at year end.
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