Zia Credit Union

Los Alamos, New Mexico

B+Health Score
69B+

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Good

How This Organization Compares

Compared to 9 peers in Public & Societal Benefit with $10M-$100M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org1.24×
Peer Median11.38×
💰
$12.5M
Total Revenue
📊
$11.6M
Total Expenses
🏦
$14.4M
Net Assets
📋
$208.0M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+4.4%
Year-over-year change (2022 → 2023)
Net Margin
+7.0%
Revenue minus expenses as % of revenue
Working Capital Ratio
1.24
Net assets divided by total expenses
Liabilities-to-Assets
93.5%
Total liabilities as % of total assets

Filing History

13 filings on record
YearRevenueExpensesAssets
2023$12,462,271↑4%$11,587,885↑19%$222,413,813↑9%
2022$11,938,323↑10%$9,716,698↑9%$204,844,412↑3%
2021$10,872,858↑19%$8,923,078↑10%$198,577,340↑13%
2020$9,147,956↑4%$8,125,053↓3%$176,263,640↑19%
2019$8,777,423↑5%$8,360,411↑13%$148,460,894↑4%
2018$8,341,668↑8%$7,428,184↓19%$142,278,459↑4%
2017$7,710,564↑8%$9,119,752↑39%$136,666,860↑1%
2016$7,118,738↑5%$6,580,118↑5%$134,701,370↑2%
2015$6,784,636↑3%$6,292,507$132,265,839↑1%
2014$6,582,727↓8%$6,287,506↓10%$130,910,746
2013$7,150,902↓10%$7,007,121↓11%$130,285,403↑1%
2012$7,960,907↓12%$7,910,819↓10%$129,357,936↓2%
2011$9,028,066$8,795,350$132,468,644

Frequently Asked Questions

What does Zia Credit Union do?▼

Zia Credit Union is a public & societal benefit nonprofit organization based in New Mexico. It is classified under NTEE code W61 and is registered as a 501(c) tax-exempt organization with the IRS.

Is Zia Credit Union financially healthy?▼

Based on our 9-metric Financial Health Score model, Zia Credit Union has a score of 69/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Zia Credit Union generate?▼

Zia Credit Union reports $14.3M in annual revenue and holds $237.4M in total assets, based on IRS filings.

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