Original filing (PDF)20251009101317NAL0006423633001

RAIZ FEDERAL CREDIT UNION

Name: RAIZ FEDERAL CREDIT UNION — RAIZ FEDERAL CREDIT UNION 401(K) PLAN AND TRUST, Form 5500 (2024)
Creator: RAIZ FEDERAL CREDIT UNION

Form 5500

FILING_RECEIVED

RAIZ FEDERAL CREDIT UNION 401(K) PLAN AND TRUST

401(k) retirement plan

Signals · 1

97% employer stock

Active participants

225

Accounts w/ balance

317

Plan assets (EOY)

$18.4M

Net assets (EOY)

$18.4M

How this plan invests

This plan

27 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Above-average plan

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

100

Total plan cost

Plan health

Vendor & structure

100

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for RAIZ FEDERAL CREDIT UNION.

Plan sponsor

Name

RAIZ FEDERAL CREDIT UNION

EIN

74-1110254

Address

12020 ROJAS DRIVE · EL PASO, TX · 799367711

Phone

(915) 843-8328

Industry

Finance & Insurancesee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

001

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-10-09

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2S · Automatic enrollment

2T · Default investment account (QDIA)

3D · Pre-approved plan (master / prototype / VS)

Service providers (Schedule C)

2 rows

Investment manager

Name	EIN	Location	Relation	Direct comp	Indirect comp
MEMBERS CAPITAL ADVISORS, INC.	42-0388260	—	NONE	$16K	—

Other service providers

Name	EIN	Location	Relation	Direct comp	Indirect comp
CMFG LIFE INSURANCE COMPANY	39-0230590	—	NONE	$60K	—

Investments

27 direct securities· $18.3M(99% of reported assets)

Common Stock

$17.7M

26 holdings

Bonds / Notes

$588K

1 holding

					% of plan
VG TARGET RET 2040 INV Value of Int. In Reg. Invest Co.	Common Stock	—	—	$2.1M	11.5%
VG TARGET RET 2050 INV Value of Int. In Reg. Invest Co.	Common Stock	—	—	$1.7M	9.0%
VG GROWTH INDEX ADM Value of Int. In Reg. Invest Co.	Common Stock	—	—	$1.4M	7.5%
VAN 500 INDEX ADM Value of Int. In Reg. Invest Co.	Common Stock	—	—	$1.3M	6.9%
VG TARGET RET 2030 INV Value of Int. In Reg. Invest Co.	Common Stock	—	—	$1.2M	6.7%
VANG LSTRAT MODRT GRW INV Value of Int. In Reg. Invest Co.	Common Stock	—	—	$1.2M	6.7%
VAN MID-CAP INDEX ADM Value of Int. In Reg. Invest Co.	Common Stock	—	—	$1.2M	6.5%
VANGAURD VALUE INDEX ADM Value of Int. In Reg. Invest Co.	Common Stock	—	—	$1.0M	5.7%
CUNA Mutual Stable Value Fund Value of Int. In Ins Co. General Acct.	Common Stock	—	—	$990K	5.4%
VANG LIFESTRAT GROWTH INV Value of Int. In Reg. Invest Co.	Common Stock	—	—	$786K	4.3%
VG TARGET RET 2055 INV Value of Int. In Reg. Invest Co.	Common Stock	—	—	$753K	4.1%
VG TARGET RET 2045 INV Value of Int. In Reg. Invest Co.	Common Stock	—	—	$694K	3.8%
FID LCAP GRW IDX Value of Int. In Reg. Invest Co.	Common Stock	—	—	$592K	3.2%
Participant Loans Participant Loans 4.25% - 9.50%	Bonds / Notes	—	—	$588K	3.2%
VG FSTE ALLWLDXUS IDX ADM Value of Int. In Reg. Invest Co.	Common Stock	—	—	$576K	3.1%
VANGAURD SMALL CAP INDEX Value of Int. In Reg. Invest Co.	Common Stock	—	—	$398K	2.2%
VG TARGET RET 2035 INV Value of Int. In Reg. Invest Co.	Common Stock	—	—	$305K	1.7%
VG TOTAL BNDMKT INDEX ADM Value of Int. In Reg. Invest Co.	Common Stock	—	—	$275K	1.5%
VANG LSTRAT CONSR GRW INV Value of Int. In Reg. Invest Co.	Common Stock	—	—	$269K	1.5%
VG EMKT STK IND ADM Value of Int. In Reg. Invest Co.	Common Stock	—	—	$205K	1.1%
VG TARGET RET 2025 INV Value of Int. In Reg. Invest Co.	Common Stock	—	—	$173K	0.9%
PUTNAM HIGH YIELD Y Value of int. In Reg. Invest Co.	Common Stock	—	—	$157K	0.9%
VG TARGET RET 2060 INV Value of Int. In Reg. Invest Co.	Common Stock	—	—	$106K	0.6%
DODGE & COX INCOME Value of Int. In Reg. Invest Co.	Common Stock	—	—	$102K	0.6%
VAN TRGT RTRMNT INC INV Value of Int. In Reg. Invest Co.	Common Stock	—	—	$93K	0.5%
VAN TARGET RET 2065 INV Value of Int. In Reg. Invest Co.	Common Stock	—	—	$64K	0.3%
VANGAURD RL EST INDX ADM Value of Int. In Reg. Invest Co.	Common Stock	—	—	$5K	<0.1%