1ST UNITED CREDIT UNION: Form 990, tax year 2021
View the entire original 990 at ProPublica ↗
- Organization
- 1ST UNITED CREDIT UNION (EIN 94-0335800)
- Tax period
- 2021-01-01 to 2021-12-31
- Filed
- 2022-05-10
- IRS object ID
- 202211309349303166
- Schema version
- 2021v4.2
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2022-05-10T14:03:08-05:00 | ReturnTs |
| Tax Period End | 2021-12-31 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Firm EIN | 382492570 | PreparerFirmEIN |
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | DOEREN MAYHEW | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 12060 S W 129TH COURT STE 201 | AddressLine1Txt |
| City | MIAMI | CityNm |
| State Abbreviation | FL | StateAbbreviationCd |
| ZIP | 331864582 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnTypeCd |
| Tax Period Begin | 2021-01-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 940335800 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | 1ST UNITED CREDIT UNION | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | 1STU | BusinessNameControlTxt |
| Phone | 9255984837 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 11746 | AddressLine1Txt |
| City | PLEASANTON | CityNm |
| State Abbreviation | CA | StateAbbreviationCd |
| ZIP | 94588 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | STEPHEN M STONE | PersonNm |
| Person Title | PRESIDENT/CEO | PersonTitleTxt |
| Phone | 9255984702 | PhoneNum |
| Signature | 2022-05-10 | SignatureDt |
| Discuss With Paid Preparer | Yes (1) | DiscussWithPaidPreparerInd |
Signing Officer SigningOfficerGrp
Person Full Name PersonFullName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person First | STEPHEN | PersonFirstNm |
| Person Last | STONE | PersonLastNm |
| Field | Value | IRS element (for citing) |
|---|---|---|
| SSN | 999009999 | SSN |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | DOUGLAS J ORTH | PreparerPersonNm |
| PTIN | P01076394 | PTIN |
| Phone | 3052328272 | PhoneNum |
Additional Filer Information AdditionalFilerInformation
Trusted Customer TrustedCustomerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Trusted Customer | 3 | TrustedCustomerCd |
| Authentication Assurance Level | AAL1 | AuthenticationAssuranceLevelCd |
| Identity Assurance Level | IAL1 | IdentityAssuranceLevelCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2021 | TaxYr |
| Build TS | 2022-09-23 18:48:47Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Principal Officer | STEPHEN M STONE | PrincipalOfficerNm |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 11746 | AddressLine1Txt |
| City | PLEASANTON | CityNm |
| State Abbreviation | CA | StateAbbreviationCd |
| ZIP | 94588 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | $40,373,728 | GrossReceiptsAmt |
| Group Return For Affiliates | 0 | GroupReturnForAffiliatesInd |
| Group Exemption | 1526 | GroupExemptionNum |
| Organization501c | Yes (X) | Organization501cInd |
| Website Address | WWW.1STUNITEDCU.ORG | WebsiteAddressTxt |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Formation | 1932 | FormationYr |
| Legal Domicile State | CA | LegalDomicileStateCd |
| Activity Or Mission | TO PROVIDE A LIFETIME OF SIMPLER, FASTER, FRIENDLIER FINANCIAL SERVICES FOR OUR MEMBERS. | ActivityOrMissionDesc |
| Voting Members Governing Body | 9 | VotingMembersGoverningBodyCnt |
| Voting Members Independent | 9 | VotingMembersIndependentCnt |
| Total Employee | 191 | TotalEmployeeCnt |
| Total Volunteers | 14 | TotalVolunteersCnt |
| Total Gross UBI | $213,550 | TotalGrossUBIAmt |
| Net Unrelated Bus Txbl Incm | $0 | NetUnrelatedBusTxblIncmAmt |
| PY Contributions Grants | $0 | PYContributionsGrantsAmt |
| CY Contributions Grants | $0 | CYContributionsGrantsAmt |
| PY Program Service Revenue | $37,218,316 | PYProgramServiceRevenueAmt |
| CY Program Service Revenue | $33,049,351 | CYProgramServiceRevenueAmt |
| PY Investment Income | $2,775,103 | PYInvestmentIncomeAmt |
| CY Investment Income | $3,020,792 | CYInvestmentIncomeAmt |
| PY Other Revenue | $3,410,813 | PYOtherRevenueAmt |
| CY Other Revenue | $4,303,585 | CYOtherRevenueAmt |
| PY Total Revenue | $43,404,232 | PYTotalRevenueAmt |
| CY Total Revenue | $40,373,728 | CYTotalRevenueAmt |
| PY Grants And Similar Paid | $16,192 | PYGrantsAndSimilarPaidAmt |
| CY Grants And Similar Paid | $20,602 | CYGrantsAndSimilarPaidAmt |
| PY Benefits Paid To Members | $0 | PYBenefitsPaidToMembersAmt |
| CY Benefits Paid To Members | $0 | CYBenefitsPaidToMembersAmt |
| PY Salaries Comp Emp Bnft Paid | $16,822,036 | PYSalariesCompEmpBnftPaidAmt |
| CY Salaries Comp Emp Bnft Paid | $16,870,195 | CYSalariesCompEmpBnftPaidAmt |
| PY Total Prof Fndrsng Expns | $0 | PYTotalProfFndrsngExpnsAmt |
| CY Total Prof Fndrsng Expns | $0 | CYTotalProfFndrsngExpnsAmt |
| CY Total Fundraising Expense | $0 | CYTotalFundraisingExpenseAmt |
| PY Other Expenses | $25,375,529 | PYOtherExpensesAmt |
| CY Other Expenses | $19,550,319 | CYOtherExpensesAmt |
| PY Total Expenses | $42,213,757 | PYTotalExpensesAmt |
| CY Total Expenses | $36,441,116 | CYTotalExpensesAmt |
| PY Revenues Less Expenses | $1,190,475 | PYRevenuesLessExpensesAmt |
| CY Revenues Less Expenses | $3,932,612 | CYRevenuesLessExpensesAmt |
| Total Assets BOY | $1,262,958,555 | TotalAssetsBOYAmt |
| Total Assets EOY | $1,288,886,913 | TotalAssetsEOYAmt |
| Total Liabilities BOY | $1,145,398,714 | TotalLiabilitiesBOYAmt |
| Total Liabilities EOY | $1,173,554,454 | TotalLiabilitiesEOYAmt |
| Net Assets Or Fund Balances BOY | $117,559,841 | NetAssetsOrFundBalancesBOYAmt |
| Net Assets Or Fund Balances EOY | $115,332,459 | NetAssetsOrFundBalancesEOYAmt |
| Mission | AT 1ST UNITED CREDIT UNION, WE ARE KNOWN IN THE COMMUNITY FOR OUR FINANCIAL EDUCATION PROGRAM. THE CREDIT UNION OFFERS FINANCIAL EDUCATION SEMINARS IN OUR BRANCHES, ON-SITE PROGRAMS AT LOCAL SCHOOLS AND SELF-STUDY MATERIALS ON OUR WEBSITE AT 1STUNITEDCU.ORG. | MissionDesc |
| Significant New Program Srvc | 0 | SignificantNewProgramSrvcInd |
| Significant Change | 0 | SignificantChangeInd |
| Desc | 1ST UNITED CREDIT UNION OFFERS A COMPREHENSIVE PORTFOLIO OF SAVINGS AND LOAN PRODUCTS FOR MEMBERS. 1ST UNITED'S PRODUCTS ARE AN EXCELLENT VALUE, COMPETITIVELY PRICED AND EASY TO PURCHASE. ALL OF OUR PRODUCTS ARE AVAILABLE TO MEMBERS THROUGH OUR EXTENSIVE BRANCH NETWORK, VIA OUR MEMBER SERVICES CALL CENTER OR ONLINE AT 1STUNITEDCU.ORG. | Desc |
Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | 1ST UNITED CREDIT UNION OFFERS FINANCIAL PLANNING AND INVESTMENT SERVICES FOR OUR MEMBERS. THESE SERVICES ARE AVAILABLE TO ALL MEMBERS OF THE CREDIT UNION AND ARE DELIVERED THROUGH CUSO FINANCIAL SERVICES, A REGISTERED BROKER-DEALER. | Desc |
Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | AT 1ST UNITED CREDIT UNION, WE ARE KNOWN IN THE COMMUNITY FOR OUR FINANCIAL EDUCATION PROGRAM. THE CREDIT UNION OFFERS FINANCIAL EDUCATION SEMINARS IN OUR BRANCHES, ON-SITE PROGRAMS AT LOCAL SCHOOLS AND SELF-STUDY MATERIALS ON OUR WEBSITE AT 1STUNITEDCU.ORG. | Desc |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Described In Section501c3 | 0 | DescribedInSection501c3Ind |
| Schedule B Required | 0 | ScheduleBRequiredInd |
| Political Campaign Acty | 0 | PoliticalCampaignActyInd |
| Subject To Proxy Tax | 0 | SubjectToProxyTaxInd |
| Donor Advised Fund | 0 | DonorAdvisedFundInd |
| Conservation Easements | 0 | ConservationEasementsInd |
| Collections Of Art | 0 | CollectionsOfArtInd |
| Credit Counseling | 0 | CreditCounselingInd |
| Donor Rstr Or Quasi Endowments | 0 | DonorRstrOrQuasiEndowmentsInd |
| Report Land Building Equipment | Yes (1) | ReportLandBuildingEquipmentInd |
| Report Investments Other Sec | 0 | ReportInvestmentsOtherSecInd |
| Report Program Related Invst | 0 | ReportProgramRelatedInvstInd |
| Report Other Assets | 0 | ReportOtherAssetsInd |
| Report Other Liabilities | Yes (1) | ReportOtherLiabilitiesInd |
| Include FIN48 Footnote | Yes (1) | IncludeFIN48FootnoteInd |
| Independent Audit Fincl Stmt | Yes (1) | IndependentAuditFinclStmtInd |
| Consolidated Audit Fincl Stmt | 0 | ConsolidatedAuditFinclStmtInd |
| School Operating | 0 | SchoolOperatingInd |
| Foreign Office | 0 | ForeignOfficeInd |
| Foreign Activities | 0 | ForeignActivitiesInd |
| More Than5000 K To Org | 0 | MoreThan5000KToOrgInd |
| More Than5000 K To Individuals | 0 | MoreThan5000KToIndividualsInd |
| Professional Fundraising | 0 | ProfessionalFundraisingInd |
| Fundraising Activities | 0 | FundraisingActivitiesInd |
| Gaming Activities | 0 | GamingActivitiesInd |
| Operate Hospital | 0 | OperateHospitalInd |
| Grants To Organizations | Yes (1) | GrantsToOrganizationsInd |
| Grants To Individuals | 0 | GrantsToIndividualsInd |
| Schedule J Required | Yes (1) | ScheduleJRequiredInd |
| Tax Exempt Bonds | 0 | TaxExemptBondsInd |
| Loan Outstanding | Yes (1) | LoanOutstandingInd |
| Grant To Related Person | 0 | GrantToRelatedPersonInd |
| Business Rln With Org Mem | 0 | BusinessRlnWithOrgMemInd |
| Business Rln With Fam Mem | 0 | BusinessRlnWithFamMemInd |
| Business Rln With35 Ctrl Ent | 0 | BusinessRlnWith35CtrlEntInd |
| Deductible Non Cash Contri | 0 | DeductibleNonCashContriInd |
| Deductible Art Contribution | 0 | DeductibleArtContributionInd |
| Terminate Operations | 0 | TerminateOperationsInd |
| Partial Liquidation | 0 | PartialLiquidationInd |
| Disregarded Entity | 0 | DisregardedEntityInd |
| Related Entity | 0 | RelatedEntityInd |
| Related Organization Ctrl Ent | 0 | RelatedOrganizationCtrlEntInd |
| Activities Conducted Prtshp | 0 | ActivitiesConductedPrtshpInd |
| Schedule O Required | Yes (1) | ScheduleORequiredInd |
| IRP Document | 13789 | IRPDocumentCnt |
| IRP Document W2 G | 0 | IRPDocumentW2GCnt |
| Backup Wthld Compliance | Yes (1) | BackupWthldComplianceInd |
| Employee | 191 | EmployeeCnt |
| Employment Tax Returns Filed | Yes (1) | EmploymentTaxReturnsFiledInd |
| Unrelated Bus Incm Over Limit | Yes (1) | UnrelatedBusIncmOverLimitInd |
| Form990 T Filed | Yes (1) | Form990TFiledInd |
| Foreign Financial Account | 0 | ForeignFinancialAccountInd |
| Prohibited Tax Shelter Trans | 0 | ProhibitedTaxShelterTransInd |
| Taxable Party Notification | 0 | TaxablePartyNotificationInd |
| Nondeductible Contributions | 0 | NondeductibleContributionsInd |
| Quid Pro Quo Contributions | 0 | QuidProQuoContributionsInd |
| Form8282 Property Disposed Of | 0 | Form8282PropertyDisposedOfInd |
| Indoor Tanning Services | 0 | IndoorTanningServicesInd |
| Subj To Tax Rmnrtn Ex Prcht Pymt | 0 | SubjToTaxRmnrtnExPrchtPymtInd |
| Subject To Excs Tax Net Invst Inc | 0 | SubjectToExcsTaxNetInvstIncInd |
| Info In Schedule O Part VI | Yes (X) | InfoInScheduleOPartVIInd |
| Governing Body Voting Members | 9 | GoverningBodyVotingMembersCnt |
| Independent Voting Member | 9 | IndependentVotingMemberCnt |
| Family Or Business Rln | 0 | FamilyOrBusinessRlnInd |
| Delegation Of Mgmt Duties | 0 | DelegationOfMgmtDutiesInd |
| Change To Org Documents | 0 | ChangeToOrgDocumentsInd |
| Material Diversion Or Misuse | 0 | MaterialDiversionOrMisuseInd |
| Members Or Stockholders | Yes (1) | MembersOrStockholdersInd |
| Election Of Board Members | Yes (1) | ElectionOfBoardMembersInd |
| Decisions Subject To Approva | Yes (1) | DecisionsSubjectToApprovaInd |
| Minutes Of Governing Body | Yes (1) | MinutesOfGoverningBodyInd |
| Minutes Of Committees | Yes (1) | MinutesOfCommitteesInd |
| Officer Mailing Address | 0 | OfficerMailingAddressInd |
| Local Chapters | 0 | LocalChaptersInd |
| Form990 Provided To Gvrn Body | Yes (1) | Form990ProvidedToGvrnBodyInd |
| Conflict Of Interest Policy | Yes (1) | ConflictOfInterestPolicyInd |
| Annual Disclosure Covered Prsn | Yes (1) | AnnualDisclosureCoveredPrsnInd |
| Regular Monitoring Enfrc | Yes (1) | RegularMonitoringEnfrcInd |
| Whistleblower Policy | Yes (1) | WhistleblowerPolicyInd |
| Document Retention Policy | Yes (1) | DocumentRetentionPolicyInd |
| Compensation Process CEO | Yes (1) | CompensationProcessCEOInd |
| Compensation Process Other | Yes (1) | CompensationProcessOtherInd |
| Investment In Joint Venture | 0 | InvestmentInJointVentureInd |
| States Where Copy Of Return Is Fld | CA | StatesWhereCopyOfReturnIsFldCd |
| Upon Request | Yes (X) | UponRequestInd |
Books In Care Of Detail BooksInCareOfDetail
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | 1ST UNITED CREDIT UNION | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Phone | 9255984702 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 11746 | AddressLine1Txt |
| City | PLEASANTON | CityNm |
| State Abbreviation | CA | StateAbbreviationCd |
| ZIP | 94588 | ZIPCd |
Form990 Part VII Section A Form990PartVIISectionAGrp (22 entries)
| TitleTitleTxt | Average Hours Per WeekAverageHoursPerWeekRt | Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd | Reportable Comp From OrgReportableCompFromOrgAmt | Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt | Other CompensationOtherCompensationAmt | OfficerOfficerInd | Key EmployeeKeyEmployeeInd | Highest Compensated EmployeeHighestCompensatedEmployeeInd |
|---|---|---|---|---|---|---|---|---|
| HOWARD T GARRIGAN | ||||||||
| CHAIRPERSON | 2.00 | Yes (X) | $5,094 | $0 | $0 | |||
| STEVE MANNING | ||||||||
| BOD MEMBER | 1.00 | Yes (X) | $9,309 | $0 | $0 | |||
| TERESITA LAUIGAN | ||||||||
| BOD MEMBER | 1.00 | Yes (X) | $6,384 | $0 | $0 | |||
| DAVE MACDONALD | ||||||||
| BOD MEMBER | 1.00 | Yes (X) | $5,541 | $0 | $0 | |||
| VELETA SAVANNAH | ||||||||
| BOD MEMBER | 1.00 | Yes (X) | $5,537 | $0 | $0 | |||
| CYRIL BONANNO | ||||||||
| BOD MEMBER | 1.00 | Yes (X) | $8,821 | $0 | $0 | |||
| PATRICK O'CONNELL | ||||||||
| BOD MEMBER | 1.00 | Yes (X) | $8,175 | $0 | $0 | |||
| SUSAN MURANISHI | ||||||||
| BOD MEMBER | 1.00 | Yes (X) | $4,900 | $0 | $0 | |||
| JOAN RICHARDSON-JOHNSON | ||||||||
| BOD MEMBER | 1.00 | Yes (X) | $9,413 | $0 | $0 | |||
| STEPHEN M STONE | ||||||||
| CEO | 50.00 | $505,061 | $0 | $28,724 | Yes (X) | |||
| TOSHA EAGLES-WILLIAMS | ||||||||
| CHIEF LENDING & MARKETING OFFICER | 45.00 | $234,593 | $0 | $16,419 | Yes (X) | |||
| JOANNA UHL | ||||||||
| CIO | 45.00 | $252,677 | $0 | $37,284 | Yes (X) | |||
| LYNELL FRALEY | ||||||||
| CHRO | 45.00 | $192,991 | $0 | $27,684 | Yes (X) | |||
| SCOTT BOLSTER | ||||||||
| CFO | 45.00 | $86,369 | $0 | $9,603 | Yes (X) | |||
| DERRICK FORTIER | ||||||||
| CRO | 45.00 | $200,271 | $0 | $34,853 | Yes (X) | |||
| GANGA RADHAKRISHNAN | ||||||||
| CFO | 45.00 | $113,838 | $0 | $7,922 | Yes (X) | |||
| SARAH CECCHIN | ||||||||
| SVP MARKETING & COMMUNICATIONS | 45.00 | $168,447 | $0 | $32,650 | Yes (X) | |||
| LYNN DIGNON | ||||||||
| DIRECTOR OF PROJECT MANAGE | 40.00 | $168,447 | $0 | $19,121 | Yes (X) | |||
| JAMES SANTIAGO | ||||||||
| VP IT | 40.00 | $143,467 | $0 | $18,401 | Yes (X) | |||
| CHRISTOPHER FOX | ||||||||
| VP ENTERPRISE APPLICATIONS & DEVELOPMENT | 40.00 | $153,349 | $0 | $30,947 | Yes (X) | |||
| JEANNIE SUGAOKA | ||||||||
| VP COMPLIANCE & RISK MANAGEMENT | 40.00 | $138,521 | $0 | $17,095 | Yes (X) | |||
| DARCIE PERRY | ||||||||
| VP CONTROLLER | 40.00 | $137,088 | $0 | $21,101 | Yes (X) | |||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | $2,558,293 | TotalReportableCompFromOrgAmt |
| Tot Reportable Comp Rltd Org | $0 | TotReportableCompRltdOrgAmt |
| Total Other Compensation | $301,804 | TotalOtherCompensationAmt |
| Indiv Rcvd Greater Than100 K | 27 | IndivRcvdGreaterThan100KCnt |
| Former Ofcr Employees Listed | 0 | FormerOfcrEmployeesListedInd |
| Total Comp Greater Than150 K | Yes (1) | TotalCompGreaterThan150KInd |
| Compensation From Other Srcs | 0 | CompensationFromOtherSrcsInd |
Contractor Compensation ContractorCompensationGrp (5 entries)
| Address Line1ContractorAddress/USAddress/AddressLine1Txt | CityContractorAddress/USAddress/CityNm | State AbbreviationContractorAddress/USAddress/StateAbbreviationCd | ZIPContractorAddress/USAddress/ZIPCd | ServicesServicesDesc | CompensationCompensationAmt |
|---|---|---|---|---|---|
| JACK HENRY & ASSOCIATES INC | |||||
| PO BOX 609 | MONETT | MO | 65708 | CORE PROCESSOR | $1,136,062 |
| TPX COMMUNICATIONS | |||||
| PO BOX 509013 | SAN DIEGO | CA | 92150 | MANAGED IT SERVICES | $310,487 |
| FISERV INC | |||||
| PO BOX 208457 | DALLAS | TX | 75320 | CORE PROCESSOR | $290,475 |
| BUSINESS DATA INC | |||||
| PO BOX 6081 | INGLEWOOD | CA | 90312 | STATEMENT PREP | $280,619 |
| Q2 SOFTWARE INC | |||||
| PO BOX 205970 | DALLAS | TX | 75320 | ONLINE BANKING PROVIDER | $232,085 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Cntrct Rcvd Greater Than100 K | 26 | CntrctRcvdGreaterThan100KCnt |
Program Service Revenue ProgramServiceRevenueGrp (3 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt | Unrelated Business RevenueUnrelatedBusinessRevenueAmt |
|---|---|---|---|---|
| INCOME ON LOANS | 522100 | $29,544,162 | $29,544,162 | |
| FEES, CHARGES, OTHER | 522100 | $3,291,639 | $3,291,639 | |
| FINANCE & INSURANCE | 520000 | $213,550 | $213,550 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | $33,049,351 | TotalProgramServiceRevenueAmt |
Investment Income InvestmentIncomeGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $3,020,792 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $3,020,792 | RelatedOrExemptFuncIncomeAmt |
Other Revenue Misc OtherRevenueMiscGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | OTHER OPERATING INCOME | Desc |
| Business | 522100 | BusinessCd |
| Total Revenue Column | $4,303,585 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $4,303,585 | RelatedOrExemptFuncIncomeAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Revenue Total | $4,303,585 | OtherRevenueTotalAmt |
Total Revenue TotalRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $40,373,728 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $40,160,178 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $213,550 | UnrelatedBusinessRevenueAmt |
| Exclusion | $0 | ExclusionAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part IX | Yes (X) | InfoInScheduleOPartIXInd |
Grants To Domestic Orgs GrantsToDomesticOrgsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $20,602 | TotalAmt |
Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $2,235,061 | TotalAmt |
Other Salaries And Wages OtherSalariesAndWagesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $10,891,495 | TotalAmt |
Pension Plan Contributions PensionPlanContributionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $870,785 | TotalAmt |
Other Employee Benefits OtherEmployeeBenefitsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,828,450 | TotalAmt |
Payroll Taxes PayrollTaxesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,044,404 | TotalAmt |
Fees For Services Management FeesForServicesManagementGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $144,382 | TotalAmt |
Fees For Services Legal FeesForServicesLegalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $162,319 | TotalAmt |
Fees For Services Accounting FeesForServicesAccountingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $183,652 | TotalAmt |
Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $42,500 | TotalAmt |
Fees For Services Other FeesForServicesOtherGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $347,895 | TotalAmt |
Advertising AdvertisingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $786,299 | TotalAmt |
Office Expenses OfficeExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $274,496 | TotalAmt |
Information Technology InformationTechnologyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $3,381,010 | TotalAmt |
Occupancy OccupancyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,507,209 | TotalAmt |
Travel TravelGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $29,973 | TotalAmt |
Conferences Meetings ConferencesMeetingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $103,551 | TotalAmt |
Interest InterestGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $6,101,243 | TotalAmt |
Payments To Affiliates PaymentsToAffiliatesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $106,735 | TotalAmt |
Depreciation Depletion DepreciationDepletionGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,148,732 | TotalAmt |
Insurance InsuranceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $298,981 | TotalAmt |
Other Expenses OtherExpensesGrp (4 entries)
| DescDesc | TotalTotalAmt |
|---|---|
| VISA DEBIT/CREDIT | $1,653,923 |
| LOAN SERVICING | $787,396 |
| MAINTENANCE | $738,102 |
| SHARE DRAFT | $418,597 |
All Other Expenses AllOtherExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,333,324 | TotalAmt |
Total Functional Expenses TotalFunctionalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $36,441,116 | TotalAmt |
Cash Non Interest Bearing CashNonInterestBearingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $5,134,526 | BOYAmt |
| EOY | $9,153,912 | EOYAmt |
Savings And Temp Cash Invst SavingsAndTempCashInvstGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $170,778,451 | BOYAmt |
| EOY | $112,505,098 | EOYAmt |
Accounts Receivable AccountsReceivableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $151,735 | BOYAmt |
| EOY | $118,365 | EOYAmt |
Receivables From Officers Etc ReceivablesFromOfficersEtcGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | $1,763,978 | EOYAmt |
Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $806,987,463 | BOYAmt |
| EOY | $793,838,298 | EOYAmt |
Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,508,450 | BOYAmt |
| EOY | $1,544,816 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Bldg Equip Cost Or Other Bss | $19,256,475 | LandBldgEquipCostOrOtherBssAmt |
| Land Bldg Equip Accum Deprec | $10,812,312 | LandBldgEquipAccumDeprecAmt |
Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $9,294,573 | BOYAmt |
| EOY | $8,444,163 | EOYAmt |
Investments Pub Traded Sec InvestmentsPubTradedSecGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $250,707,308 | BOYAmt |
| EOY | $340,473,861 | EOYAmt |
Investments Other Securities InvestmentsOtherSecuritiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $4,010,800 | BOYAmt |
| EOY | $5,744,700 | EOYAmt |
Other Assets Total OtherAssetsTotalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $14,385,249 | BOYAmt |
| EOY | $15,299,722 | EOYAmt |
Total Assets TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,262,958,555 | BOYAmt |
| EOY | $1,288,886,913 | EOYAmt |
Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $4,717,651 | BOYAmt |
| EOY | $3,831,019 | EOYAmt |
Other Liabilities OtherLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,140,681,063 | BOYAmt |
| EOY | $1,169,723,435 | EOYAmt |
Total Liabilities TotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,145,398,714 | BOYAmt |
| EOY | $1,173,554,454 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Org Does Not Follow FASB117 | Yes (X) | OrgDoesNotFollowFASB117Ind |
Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $117,559,841 | BOYAmt |
| EOY | $115,332,459 | EOYAmt |
Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $117,559,841 | BOYAmt |
| EOY | $115,332,459 | EOYAmt |
Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,262,958,555 | BOYAmt |
| EOY | $1,288,886,913 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Reconcilation Revenue Expnss | $3,932,612 | ReconcilationRevenueExpnssAmt |
| Net Unrlzd Gains Losses Invst | -$6,159,994 | NetUnrlzdGainsLossesInvstAmt |
| Other Changes In Net Assets | $0 | OtherChangesInNetAssetsAmt |
| Info In Schedule O Part XII | Yes (X) | InfoInScheduleOPartXIIInd |
| Method Of Accounting Accrual | Yes (X) | MethodOfAccountingAccrualInd |
| Accountant Compile Or Review | 0 | AccountantCompileOrReviewInd |
| FS Audited | Yes (1) | FSAuditedInd |
FS Audited Basis FSAuditedBasisGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Separate Basis Fincl Stmt | Yes (X) | SeparateBasisFinclStmtInd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Audit Committee | Yes (1) | AuditCommitteeInd |
| Federal Grant Audit Required | 0 | FederalGrantAuditRequiredInd |
Schedule D IRS990ScheduleD
Land LandGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $1,760,872 | OtherCostOrOtherBasisAmt |
| Book Value | $1,760,872 | BookValueAmt |
Buildings BuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $8,426,849 | OtherCostOrOtherBasisAmt |
| Depreciation | $5,738,468 | DepreciationAmt |
| Book Value | $2,688,381 | BookValueAmt |
Leasehold Improvements LeaseholdImprovementsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $2,333,649 | OtherCostOrOtherBasisAmt |
| Depreciation | $1,481,291 | DepreciationAmt |
| Book Value | $852,358 | BookValueAmt |
Equipment EquipmentGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $6,735,105 | OtherCostOrOtherBasisAmt |
| Depreciation | $3,592,553 | DepreciationAmt |
| Book Value | $3,142,552 | BookValueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Land Buildings | $8,444,163 | TotalBookValueLandBuildingsAmt |
Other Liabilities Org OtherLiabilitiesOrgGrp (5 entries)
| DescDesc | AmtAmt |
|---|---|
| REGULAR SHARES | $358,032,445 |
| SHARE DRAFTS | $207,686,039 |
| MONEY MARKET SHARES | $299,166,383 |
| SHARE CERTIFICATES | $261,304,001 |
| IRA/CD SHARES | $43,534,567 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Liability | $1,169,723,435 | TotalLiabilityAmt |
| Footnote Text | Yes (X) | FootnoteTextInd |
| Total Rev Etc Audited Fincl Stmt | $40,373,728 | TotalRevEtcAuditedFinclStmtAmt |
| Revenue Not Reported | $0 | RevenueNotReportedAmt |
| Revenue Subtotal | $40,373,728 | RevenueSubtotalAmt |
| Revenue Not Reported Fincl Stmt | $0 | RevenueNotReportedFinclStmtAmt |
| Total Revenue Per Form990 | $40,373,728 | TotalRevenuePerForm990Amt |
| Tot Expns Etc Audited Fincl Stmt | $36,441,116 | TotExpnsEtcAuditedFinclStmtAmt |
| Expenses Not Reported | $0 | ExpensesNotReportedAmt |
| Expenses Subtotal | $36,441,116 | ExpensesSubtotalAmt |
| Expenses Not Rpt Fincl Stmt | $0 | ExpensesNotRptFinclStmtAmt |
| Total Expenses Per Form990 | $36,441,116 | TotalExpensesPerForm990Amt |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | PART X, LINE 2: | FormAndLineReferenceDesc |
| Explanation | THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL INCOME TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE (IRC) AND STATE TAX LAWS. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME DERIVED BY STATE-CHARTERED CREDIT UNIONS. GENERALLY, THESE TAXES ARE INSIGNIFICANT TO THE CREDIT UNION. | ExplanationTxt |
Schedule I IRS990ScheduleI
| Field | Value | IRS element (for citing) |
|---|---|---|
| Grant Records Maintained | Yes (1) | GrantRecordsMaintainedInd |
Recipient Table RecipientTable
Recipient Business Name RecipientBusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | ALAMEDA COUNTY FOOD BANK | BusinessNameLine1Txt |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 7900 EDGEWATER DRIVE | AddressLine1Txt |
| City | OAKLAND | CityNm |
| State Abbreviation | CA | StateAbbreviationCd |
| ZIP | 94621 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Recipient EIN | 942960294 | RecipientEIN |
| IRC Section | 501(C)(3) | IRCSectionDesc |
| Cash Grant | $10,000 | CashGrantAmt |
| Non Cash Assistance | $5,656 | NonCashAssistanceAmt |
| Valuation Method Used | ACTUAL COST | ValuationMethodUsedDesc |
| Non Cash Assistance | FOOD ITEMS | NonCashAssistanceDesc |
| Purpose Of Grant | FOOD BANK | PurposeOfGrantTxt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total501c3 Org | 1 | Total501c3OrgCnt |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | PART I, LINE 2: | FormAndLineReferenceDesc |
| Explanation | THIS DONATION WAS NOT A GRANT, BUT RATHER A CHARITABLE CONTRIBUTION. AS SUCH, THERE WAS NO MONITORING OF FUNDS CONTRIBUTED. | ExplanationTxt |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Idemnification Gross Up Pmts | Yes (X) | IdemnificationGrossUpPmtsInd |
| Written Policy Ref T And E Expnss | Yes (1) | WrittenPolicyRefTAndEExpnssInd |
| Substantiation Required | 0 | SubstantiationRequiredInd |
| Compensation Committee | Yes (X) | CompensationCommitteeInd |
| Form990 Of Other Organizations | Yes (X) | Form990OfOtherOrganizationsInd |
| Compensation Survey | Yes (X) | CompensationSurveyInd |
| Board Or Committee Approval | Yes (X) | BoardOrCommitteeApprovalInd |
| Severance Payment | Yes (1) | SeverancePaymentInd |
| Supplemental Nonqual Rtr Plan | 0 | SupplementalNonqualRtrPlanInd |
| Equity Based Comp Arrngm | 0 | EquityBasedCompArrngmInd |
Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (11 entries)
| TitleTitleTxt | Base Compensation Filing OrgBaseCompensationFilingOrgAmt | Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt | Bonus Filing OrganizationBonusFilingOrganizationAmount | Bonus Related OrganizationsBonusRelatedOrganizationsAmt | Other Compensation Filing OrgOtherCompensationFilingOrgAmt | Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt | Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt | Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt | Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt | Total Compensation Filing OrgTotalCompensationFilingOrgAmt | Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt | Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt | Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| STEPHEN M STONE | ||||||||||||||
| CEO | $437,268 | $0 | $65,600 | $0 | $2,193 | $0 | $20,300 | $0 | $8,424 | $0 | $533,785 | $0 | $0 | $0 |
| JOANNA UHL | ||||||||||||||
| CIO | $231,154 | $0 | $20,350 | $0 | $1,173 | $0 | $16,865 | $0 | $20,419 | $0 | $289,961 | $0 | $0 | $0 |
| TOSHA EAGLES-WILLIAMS | ||||||||||||||
| CHIEF LENDING & MARKETING OFFICER | $231,831 | $0 | $600 | $0 | $2,162 | $0 | $16,419 | $0 | $0 | $0 | $251,012 | $0 | $0 | $0 |
| DERRICK FORTIER | ||||||||||||||
| CRO | $198,198 | $0 | $200 | $0 | $1,873 | $0 | $14,434 | $0 | $20,419 | $0 | $235,124 | $0 | $0 | $0 |
| LYNELL FRALEY | ||||||||||||||
| CHRO | $190,921 | $0 | $300 | $0 | $1,770 | $0 | $13,734 | $0 | $13,950 | $0 | $220,675 | $0 | $0 | $0 |
| SARAH CECCHIN | ||||||||||||||
| SVP MARKETING & COMMUNICATIONS | $168,106 | $0 | $300 | $0 | $41 | $0 | $12,231 | $0 | $20,419 | $0 | $201,097 | $0 | $0 | $0 |
| LYNN DIGNON | ||||||||||||||
| DIRECTOR OF PROJECT MANAGE | $167,642 | $0 | $100 | $0 | $705 | $0 | $10,697 | $0 | $8,424 | $0 | $187,568 | $0 | $0 | $0 |
| CHRISTOPHER FOX | ||||||||||||||
| VP ENTERPRISE APPLICATIONS & DEVELOP | $142,414 | $0 | $10,300 | $0 | $635 | $0 | $10,528 | $0 | $20,419 | $0 | $184,296 | $0 | $0 | $0 |
| JAMES SANTIAGO | ||||||||||||||
| VP IT | $142,934 | $0 | $250 | $0 | $283 | $0 | $9,977 | $0 | $8,424 | $0 | $161,868 | $0 | $0 | $0 |
| DARCIE PERRY | ||||||||||||||
| VP CONTROLLER | $136,602 | $0 | $200 | $0 | $286 | $0 | $9,699 | $0 | $11,402 | $0 | $158,189 | $0 | $0 | $0 |
| JEANNIE SUGAOKA | ||||||||||||||
| VP COMPLIANCE & RISK MANAGEMENT | $135,026 | $0 | $150 | $0 | $3,345 | $0 | $9,393 | $0 | $7,702 | $0 | $155,616 | $0 | $0 | $0 |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | PART I, LINE 4A | FormAndLineReferenceDesc |
| Explanation | GREGORY PULLIAM- $107,501 EDWARD RENTERIA- $115,000 DOLORES TREVINO- $45,000 | ExplanationTxt |
Schedule L IRS990ScheduleL
Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (17 entries)
| Relationship With OrgRelationshipWithOrgTxt | Loan PurposeLoanPurposeTxt | Loan From OrganizationLoanFromOrganizationInd | Original PrincipalOriginalPrincipalAmt | Balance DueBalanceDueAmt | DefaultDefaultInd | Board Or Committee ApprovalBoardOrCommitteeApprovalInd | Written AgreementWrittenAgreementInd |
|---|---|---|---|---|---|---|---|
| JOANNA UHL | |||||||
| CHIEF INFORMATION OFFICER | VISA REWARDS | Yes (X) | $0 | $0 | 0 | Yes (1) | Yes (1) |
| JOANNA UHL | |||||||
| CHIEF INFORMATION OFFICER | INDIRECT AUTO USED | Yes (X) | $27,950 | $1,371 | 0 | Yes (1) | Yes (1) |
| JOANNA UHL | |||||||
| CHIEF INFORMATION OFFICER | VISA PLATINUM | Yes (X) | $6,764 | $0 | 0 | Yes (1) | Yes (1) |
| SARAH CECCHIN | |||||||
| SVP MARKETING & COMMUNICATIONS | VISA REWARDS | Yes (X) | $453 | $0 | 0 | Yes (1) | Yes (1) |
| SARAH CECCHIN | |||||||
| SVP MARKETING & COMMUNICATIONS | AUTO NEW | Yes (X) | $48,790 | $42,491 | 0 | Yes (1) | Yes (1) |
| SARAH CECCHIN | |||||||
| SVP MARKETING & COMMUNICATIONS | HOME EQUITY LINE OF CREDIT | Yes (X) | $175,000 | $11,436 | 0 | Yes (1) | Yes (1) |
| SARAH CECCHIN | |||||||
| SVP MARKETING & COMMUNICATIONS | FIXED FIRST MORTGAGE | Yes (X) | $765,000 | $747,370 | 0 | Yes (1) | Yes (1) |
| CHRISTOPHER FOX | |||||||
| VP - ENTERPRISE APPLICATIONS AND DEVELOPMENT | VISA PLATINUM | Yes (X) | $9,556 | $9,556 | 0 | Yes (1) | Yes (1) |
| JAMES SANTIAGO | |||||||
| VP - INFORMATION TECHNOLOGY | VISA REWARDS | Yes (X) | $7,255 | $7,178 | 0 | Yes (1) | Yes (1) |
| JAMES SANTIAGO | |||||||
| VP - INFORMATION TECHNOLOGY | AUTO USED | Yes (X) | $41,689 | $11,690 | 0 | Yes (1) | Yes (1) |
| JAMES SANTIAGO | |||||||
| VP - INFORMATION TECHNOLOGY | HOME EQUITY LINE OF CREDIT | Yes (X) | $42,900 | $42,886 | 0 | Yes (1) | Yes (1) |
| DERRICK FORTIER | |||||||
| CHIEF OF RETAIL OPERATIONS | FIXED FIRST MORTGAGE | Yes (X) | $680,000 | $667,167 | 0 | Yes (1) | Yes (1) |
| JEANNIE SUGAOKA | |||||||
| VP OF COMPLIANCE AND RISK MANAGEMENT | HOME EQUITY LINE OF CREDIT | Yes (X) | $16,040 | $12,988 | 0 | Yes (1) | Yes (1) |
| JEANNIE SUGAOKA | |||||||
| VP OF COMPLIANCE AND RISK MANAGEMENT | FIXED FIRST MORTGAGE | Yes (X) | $180,000 | $154,820 | 0 | Yes (1) | Yes (1) |
| JAMES SANTIAGO | |||||||
| VP - INFORMATION TECHNOLOGY | AUTO REFINANCE | Yes (X) | $12,169 | $9,291 | 0 | Yes (1) | Yes (1) |
| GANGA RADHAKRISHNAN | |||||||
| CHIEF FINANCIAL OFFICER | HOME EQUITY LINE OF CREDIT | Yes (X) | $50,000 | $0 | 0 | Yes (1) | Yes (1) |
| GANGA RADHAKRISHNAN | |||||||
| CHIEF FINANCIAL OFFICER | AUTO NEW | Yes (X) | $47,000 | $45,734 | 0 | Yes (1) | Yes (1) |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Balance Due | $1,763,978 | TotalBalanceDueAmt |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (9 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| FORM 990, PART VI, SECTION A, LINE 6 | THE ORGANIZATION HAS MEMBERS. |
| FORM 990, PART VI, SECTION A, LINE 7A | THE CREDIT UNION MEMBERSHIP MAY PARTICIPATE IN ELECTION OF OFFICIALS. |
| FORM 990, PART VI, SECTION A, LINE 7B | MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR. |
| FORM 990, PART VI, SECTION B, LINE 11B | THE CHIEF HUMAN RESOURCES OFFICER AND VICE PRESIDENT CONTROLLER GATHER THE INFORMATION. THE CFO AND CEO REVIEW FORM 990. UPON COMPLETION, A COPY OF THE FORM IS MADE AVAILABLE TO EACH VOTING MEMBER OF THE BOARD PRIOR TO FILING. |
| FORM 990, PART VI, SECTION B, LINE 12C | THE CREDIT UNION'S CONFLICT OF INTEREST POLICY IS PROVIDED TO EMPLOYEES IN THE EMPLOYEE HANDBOOK. ANNUALLY, EMPLOYEES ARE REMINDED AND ARE REQUIRED TO ACKNOWLEDGE IN WRITING THAT THEY HAVE READ THE POLICY, AS WELL AS THE OTHER SECTIONS IN THE HANDBOOK. MANAGERS ARE HELD ACCOUNTABLE TO MONITOR ADHERENCE TO THE POLICY AND TO ENSURE THEIR EMPLOYEES UNDERSTAND IT. |
| FORM 990, PART VI, SECTION B, LINE 15 | COMPENSATION AT THE CREDIT UNION IS GOVERNED BY A BOARD OF DIRECTORS APPROVED SALARY ADMINISTRATION POLICY. THE CREDIT UNION SETS COMPENSATION RANGES FOR ALL EMPLOYEES, INCLUDING OFFICERS AND KEY EMPLOYEES, USING A THIRD PARTY COMPENSATION CONSULTING FIRM. THIS THIRD PARTY ORGANIZATION PROVIDES COMPENSATION INFORMATION AND SALARY RANGES FOR COMPANIES NATIONWIDE. SALARY RANGES ARE DEVELOPED THROUGH NATIONWIDE, INDUSTRY-SPECIFIC COMPENSATION SURVEYS AND COMPENSATION BENCHMARKING FOR KEY POSITIONS. THE BOARD OF DIRECTORS APPROVE THE SALARY RANGES AND EVALUATE ANY ANNUAL CHANGES RECOMMENDED BY THE THIRD PARTY FIRM. SALARY LEVELS AND JOB GRADES FOR INDIVIDUAL POSITIONS ARE DETERMINED USING A JOB EVALUATION PROCESS PROVIDED BY THE THIRD PARTY FIRM. |
| FORM 990, PART VI, SECTION C, LINE 19 | GENERALLY, GOVERNING DOCUMENTS/POLICIES ARE NOT MADE AVAILABLE TO THE GENERAL PUBLIC OR TO MEMBERS. MONTHLY FINANCIAL RESULTS ARE PUBLICLY POSTED. |
| FORM 990, PART IX, LINE 24E | ATM EXPENSE 407,364. ASSET RECOVERY 269,009. OTHER OPERATING 188,686. ASI/DFPI ANNUAL ASSESSMENT 163,890. HUMAN RESOURCES 153,526. BOARD/SUPERVISORY COMMITTEE EXPENSE 73,956. EMPLOYEE/MEMBER GOODWILL 65,105. TRAINING/DEVELOPMENT/EDUCATION 38,933. SECURITY 36,461. S & D 11,571. PROVISION FOR LOAN LOSSES -75,177. |
| FORM 990, PART XII, LINE 2C | THERE WERE NO CHANGES IN THE PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY OF THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR. |
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