Recipe: Loaded Black Bean Nachos

Name: Recipe: Loaded Black Bean Nachos
Ingredients: 1 tablespoon olive oil; 1/2 medium red onion, diced; 2 cloves garlic, minced; 1 teaspoon ground cumin; 1/2 teaspoon chili powder; 1/2 teaspoon kosher salt; 2 (15-ounce) cans black beans, drained and rinsed; 1/2 cup water; 1 (8-ounce) bag tortilla chips, divided; 2 cup grated cheddar cheese or Monterey Jack cheese (about 8 ounces), divided; 1 cup pico de gallo, divided; 3 medium scallions, greens part only, thinly sliced, divided; 1/2 cup pickled jalapeños (optional); 1 cup plain Greek yogurt; 1 cup guacamole