Concho Valley Credit Union
Public records raise at least one point you should look into before giving.
What it says it does
COOPERATIVE PROVIDER OF CREDIT UNION FINANCIAL SERVICES TO 1410 ENTITIES IN THE SURROUNDING AREA.
- Income
- $1.3 million
- Spending
- $1.1 million
- Employees
- 7
- Highest pay
- $99,960, president & ceo
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Financial health
We do not score finances when yearly spending is very small or the return has too little detail. The ratios stop meaning much at that size.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Governance
This return does not answer enough of the governance questions to score.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Impact evidence
Describes programs. Its tax return describes what it does but we have found no measurable results in it.
Programs described in its return (3)
- SHARE ACCOUNTS: CONCHO VALLEY CREDIT UNION'S SHARE ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. THE CREDIT UNION HAD 1412 MEMBER-OWNER ACCOUNTS ON DECEMBER 31, 2025. MEMBER SAVINGS ACCOUNTS PAY DIVIDENDS QUARTERLY AND OFFER ACCESS TO HOME BANKING VIA THE INTERNET OR TELEPHONE. SPECIAL SAVINGS ACCOUNTS DESIGNED FOR CHILDREN ENCOURAGE THE DEVELOPMENT OF CONSISTENT SAVINGS HABITS.
- SHARE DRAFT ACCOUNTS CHECKING: CONCHO VALLEY CREDIT UNION PROVIDES FREE CHECKING ACCOUNTS FOR MEMBERS AND DIVIDENDS ARE PAID MONTHLY. ADDITIONALLY, THE CREDIT UNION EXTENDS THE REACH OF THESE ACCOUNTS TO ALL MEMBERS WITH FREE DEBIT CARDS, INTERNET ACCOUNT ACCESS, AND FREE USE OF INTERNET NILL PAYER SOFTWARE.
- CONSUMER LOANS: CONCHO VALLEY CREDIT UNION HAS PROVIDED NEW AND USED VEHICLE LOANS SINCE ITS EARLY YEARS. THE CONSUMER LOAN PRODUCT LINE NOW INCLUDES FLEXIBLE OFFERINGS FOR RECREATIONAL VEHICLES, BOATS, MOTORCYCLES, AND PERSONAL LOANS. CONSUMER LIFE AND DISABILITY INSURANCE IS AVAILABLE ON ANY OF THESE LOAN TYPES.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Legitimacy checks
Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(14) credit union.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated September 30, 2026.
Are donations tax-deductible? Caution.
The IRS master file records contributions to this 501(c)(14) credit union as not deductible.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2025.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since June 1976.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 7, 2026.
Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.