CREDIT UNIONS IN THE STATE OF CALIFORNIA: Form 990, tax year 2019

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS IN THE STATE OF CALIFORNIA (EIN 94-1326959)
Tax period: 2019-01-01 to 2019-12-31
Filed: 2020-04-27
IRS object ID: 202011189349300216
Schema version: 2019v5.0
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
Form 990
Schedule C
Schedule D
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2020-04-27T09:55:36-07:00	ReturnTs
Tax Period End	2019-12-31	TaxPeriodEndDt
Return Type	990	ReturnTypeCd
Tax Period Begin	2019-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	941326959	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CREDIT UNIONS IN THE STATE OF CALIFORNIA	BusinessNameLine1Txt
Business Name Line2	FINANCIAL CENTER CREDIT UNION	BusinessNameLine2Txt

Field	Value	IRS element (for citing)
Business Name Control	CRED	BusinessNameControlTxt
Phone	2099486024	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 208005	AddressLine1Txt
City	STOCKTON	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	95208	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	STEVE LEIGA	PersonNm
Person Title	Vice President	PersonTitleTxt
Signature	2020-04-27	SignatureDt

Field	Value	IRS element (for citing)
Tax	2019	TaxYr
Build TS	2020-09-23 17:36:50Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	MICHAEL DUFFY	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 208005	AddressLine1Txt
City	STOCKTON	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	95208	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$24,531,075	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Group Exemption	1526	GroupExemptionNum
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.FCCUBURT.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1954	FormationYr
Legal Domicile State	CA	LegalDomicileStateCd
Activity Or Mission	TO PROVIDE CREDIT UNION SERVICE TO MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	5	VotingMembersGoverningBodyCnt
Voting Members Independent	4	VotingMembersIndependentCnt
Total Employee	130	TotalEmployeeCnt
Total Volunteers	6	TotalVolunteersCnt
Total Gross UBI	$69,250	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$69,728	NetUnrelatedBusTxblIncmAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$18,068,824	PYProgramServiceRevenueAmt
CY Program Service Revenue	$17,173,426	CYProgramServiceRevenueAmt
PY Investment Income	$6,353,702	PYInvestmentIncomeAmt
CY Investment Income	$7,288,399	CYInvestmentIncomeAmt
PY Other Revenue	$79,260	PYOtherRevenueAmt
CY Other Revenue	$69,250	CYOtherRevenueAmt
PY Total Revenue	$24,501,786	PYTotalRevenueAmt
CY Total Revenue	$24,531,075	CYTotalRevenueAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$4,162,510	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$3,785,726	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$6,636,871	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$7,200,999	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$11,221,053	PYOtherExpensesAmt
CY Other Expenses	$10,049,659	CYOtherExpensesAmt
PY Total Expenses	$22,020,434	PYTotalExpensesAmt
CY Total Expenses	$21,036,384	CYTotalExpensesAmt
PY Revenues Less Expenses	$2,481,352	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$3,494,691	CYRevenuesLessExpensesAmt
Total Assets BOY	$496,617,823	TotalAssetsBOYAmt
Total Assets EOY	$518,893,143	TotalAssetsEOYAmt
Total Liabilities BOY	$401,059,415	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$414,097,421	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$95,558,408	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$104,795,722	NetAssetsOrFundBalancesEOYAmt
Mission	TO PROVIDE CREDIT UNION SERVICE TO MEMBERS.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	FINANCIAL CENTER CREDIT UNION SERVES 32,000 MEMBERS WITH $519 MILLION IN ASSETS, $161 MILLION IN LOANS TO MEMBERS, AND $402 MILLION IN MEMBER DEPOSITS AS OF 12-31-19.	Desc
Described In Section501c3	false	DescribedInSection501c3Ind
Schedule B Required	false	ScheduleBRequiredInd
Political Campaign Acty	Yes (true)	PoliticalCampaignActyInd
Subject To Proxy Tax	false	SubjectToProxyTaxInd
Donor Advised Fund	false	DonorAdvisedFundInd
Conservation Easements	false	ConservationEasementsInd
Collections Of Art	false	CollectionsOfArtInd
Credit Counseling	Yes (true)	CreditCounselingInd
Donor Rstr Or Quasi Endowments	false	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (true)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	Yes (true)	ReportInvestmentsOtherSecInd
Report Program Related Invst	false	ReportProgramRelatedInvstInd
Report Other Assets	false	ReportOtherAssetsInd
Report Other Liabilities	Yes (true)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	false	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	false	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	false	ConsolidatedAuditFinclStmtInd
School Operating	false	SchoolOperatingInd
Foreign Office	false	ForeignOfficeInd
Foreign Activities	false	ForeignActivitiesInd
More Than5000 K To Org	false	MoreThan5000KToOrgInd
More Than5000 K To Individuals	false	MoreThan5000KToIndividualsInd
Professional Fundraising	false	ProfessionalFundraisingInd
Fundraising Activities	false	FundraisingActivitiesInd
Gaming Activities	false	GamingActivitiesInd
Operate Hospital	false	OperateHospitalInd
Grants To Organizations	false	GrantsToOrganizationsInd
Grants To Individuals	false	GrantsToIndividualsInd
Schedule J Required	Yes (true)	ScheduleJRequiredInd
Tax Exempt Bonds	false	TaxExemptBondsInd
Loan Outstanding	false	LoanOutstandingInd
Grant To Related Person	false	GrantToRelatedPersonInd
Business Rln With Org Mem	false	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	Yes (true)	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	false	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	false	DeductibleNonCashContriInd
Deductible Art Contribution	false	DeductibleArtContributionInd
Terminate Operations	false	TerminateOperationsInd
Partial Liquidation	false	PartialLiquidationInd
Disregarded Entity	false	DisregardedEntityInd
Related Entity	false	RelatedEntityInd
Related Organization Ctrl Ent	false	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
IRP Document	25242	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (true)	BackupWthldComplianceInd
Employee	130	EmployeeCnt
Employment Tax Returns Filed	Yes (true)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (true)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (true)	Form990TFiledInd
Foreign Financial Account	false	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTransInd
Taxable Party Notification	false	TaxablePartyNotificationInd
Nondeductible Contributions	false	NondeductibleContributionsInd
Indoor Tanning Services	false	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	false	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	false	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	5	GoverningBodyVotingMembersCnt
Independent Voting Member	4	IndependentVotingMemberCnt
Family Or Business Rln	Yes (true)	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	false	DelegationOfMgmtDutiesInd
Change To Org Documents	false	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	false	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (true)	MembersOrStockholdersInd
Election Of Board Members	Yes (true)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (true)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (true)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (true)	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	Yes (true)	LocalChaptersInd
Policies Reference Chapters	Yes (true)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	Yes (true)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (true)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (true)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (true)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (true)	WhistleblowerPolicyInd
Document Retention Policy	Yes (true)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (true)	CompensationProcessCEOInd
Compensation Process Other	Yes (true)	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	CA	StatesWhereCopyOfReturnIsFldCd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	STEVE LEIGA	PersonNm
Phone	2099486024	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	18 S CENTER ST	AddressLine1Txt
City	STOCKTON	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	95202	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (9 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt
MICHAEL DUFFY
President & CEO	55.00	0.00	Yes (X)	Yes (X)	$921,594	$0	$71,656
NORA STROH
EXECUTIVE VP/COO	55.00	0.00			$282,974	$0	$87,935
STEVE LEIGA
VP ACCT & FIN	55.00	0.00			$245,868	$0	$92,858
AMANDA VERSTL
VP HR & ADMIN	55.00	0.00			$117,583	$0	$24,210
LINH VO
CONTROLLER	55.00	0.00			$105,659	$0	$30,857
VALENCIA JONES
Director	1.00	0.00	Yes (X)		$0	$0	$0
MARY WEB
Director	1.00	0.00	Yes (X)		$0	$0	$0
EDWARD FIGUEROA
Director	1.00	0.00	Yes (X)		$0	$0	$0
MANUEL LOPEZ
Director	1.00	0.00	Yes (X)		$0	$0	$0

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,673,678	TotalReportableCompFromOrgAmt
Total Other Compensation	$307,516	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	5	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (true)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
FISERV EFT SOLUTIONS
PO BOX 6000	SAN FRANCISCO	CA	94160	CARDS PROCESSING	$776,731
PRESORT
3806 CORONADO AVE	STOCKTON	CA	95204	STMT AND MAIL SVCS	$397,371
HANLEY CONTRUCTION
PO BOX 808	STOCKTON	CA	95201	BUILDING CONSTRUCTION	$397,602
FISERV
PO BOX 80123	CITY OF INDUSTRY	CA	91716	DATA PROCESSING	$641,946
AT&T
PO BOX 5025	CAROL STREAM	IL	60197	DATA LINE	$341,332

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	5	CntrctRcvdGreaterThan100KCnt
Total Contributions	$0	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
FEES AND CHARGES	524292	$5,135,661	$5,135,661
INCOME FROM LOANS	900099	$11,573,797	$11,573,797
OTHER INCOME	900099	$463,968	$463,968

Field	Value	IRS element (for citing)
Total Program Service Revenue	$17,173,426	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$7,288,399	TotalRevenueColumnAmt
Exclusion	$7,288,399	ExclusionAmt

Incm From Invest Bond Proceeds IncmFromInvestBondProceedsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Royalties Revenue RoyaltiesRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Incm From Fundraising Evt NetIncmFromFundraisingEvtGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Income From Gaming NetIncomeFromGamingGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Field	Value	IRS element (for citing)
Gross Sales Of Inventory	$69,250	GrossSalesOfInventoryAmt

Net Income Or Loss NetIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$69,250	TotalRevenueColumnAmt
Unrelated Business Revenue	$69,250	UnrelatedBusinessRevenueAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$0	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$24,531,075	TotalRevenueColumnAmt
Related Or Exempt Func Income	$17,173,426	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$69,250	UnrelatedBusinessRevenueAmt
Exclusion	$7,288,399	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Foreign Grants ForeignGrantsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$3,785,726	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,702,885	TotalAmt

Comp Disqual Persons CompDisqualPersonsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$3,412,218	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$2,085,896	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Management FeesForServicesManagementGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Lobbying FeesForServicesLobbyingGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Prof Fundraising FeesForServicesProfFundraising

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$673,503	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$952,890	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$1,078,559	TotalAmt

Royalties RoyaltiesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,127,146	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Pymt Travel Entrtnmnt Pub Ofcl PymtTravelEntrtnmntPubOfclGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$566,290	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$84,870	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
ALL OTHER EXPENSE	$2,449,019
PROVISION FOR LOAN LOSS	$1,356,110
VISA	$1,020,391
ATM	$740,881

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$21,036,384	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$24,390,343	BOYAmt
EOY	$31,237,135	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$167,871,745	BOYAmt
EOY	$158,411,213	EOYAmt

Inventories For Sale Or Use InventoriesForSaleOrUseGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$14,159,853	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$6,504,618	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$7,405,547	BOYAmt
EOY	$7,655,235	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$291,233,324	BOYAmt
EOY	$315,725,445	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$5,716,864	BOYAmt
EOY	$5,864,115	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$496,617,823	BOYAmt
EOY	$518,893,143	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$10,211,796	BOYAmt
EOY	$11,447,659	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$10,037,227	BOYAmt
EOY	$9,288,536	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$380,810,392	BOYAmt
EOY	$393,361,226	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$401,059,415	BOYAmt
EOY	$414,097,421	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$95,558,408	BOYAmt
EOY	$104,795,722	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$95,558,408	BOYAmt
EOY	$104,795,722	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$496,617,823	BOYAmt
EOY	$518,893,143	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$3,494,691	ReconcilationRevenueExpnssAmt
Other Changes In Net Assets	$5,742,623	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	Yes (true)	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 (true)	AuditCommitteeInd
Federal Grant Audit Required	false	FederalGrantAuditRequiredInd

Schedule C IRS990ScheduleC

Field	Value	IRS element (for citing)
Political Expenditures	$51,750	PoliticalExpendituresAmt
Internal Funds Contributed	$51,750	InternalFundsContributedAmt
Total Exempt Function Expend	$51,750	TotalExemptFunctionExpendAmt
Form1120 POL Filed	Yes (true)	Form1120POLFiledInd

Section527 Political Org Section527PoliticalOrgGrp (11 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	Paid Internal FundsPaidInternalFundsAmt
KATHTY MILLER FOR SUPERVISOR
6507 PACIFIC AVE	STOCTON	CA	95204	$2,250
CHRISTINA FUGAZI FOR CITY COUNCIL
PO BOX 4634	STOCTON	CA	95204	$1,250
WARMSLEY FOR CITY COUNCIL
1787 TRIBUTE ROAD STE K	SACRAMENTO	CA	95815	$2,500
MICHAEL TUBBS FOR STOCKTON MAYOR
4921 ALEE LN	STOCKTON	CA	95206	$10,000
MIGUEL VILAPUDUA
1719 MONTE DIABLO AVE	STOCKTON	CA	95203	$2,000
DAN WRIGHT FOR CITY COUNCIL
2818 HORSETAIL DR	STOCKTON	CA	95212	$1,000
CALIFORNIA CREDIT UNION LEAGUE PAC
1201 K STREET SUITE 1050	SACRAMENTO	CA	95814	$25,000
THE TRUMAN CLUB OF SAN JOAQUIN
PO BOX 693246	STOCKTON	CA	95269	$1,000
EBERT HOLMAN FOR SUPERVISOR
1944 LEBARON DR	STOCKTON	CA	95209	$2,500
WITHROW FOR SHERIFF
110 N SAN JOAQUIN ST	STOCKTON	CA	95202	$1,500
JESUS ANDRADE
1225 8TH ST SUITE 395	SACRAMENTO	CA	95814	$2,750

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Part I-A, Line 1 - Direct and Indirect Political Campaign Activities	FormAndLineReferenceDesc
Explanation	PART I-A, LINE 1:THE CREDIT UNION MAKES CONTRIBUTIONS TO POLITICAL CAMPAIGNS, MAY WALK DISTRICTS FOR CANDIDATES, AND MAY OFFER CREDIT UNION FACILITIES FOR USE OR PHONE BANK.	ExplanationTxt

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	false	AgentTrusteeEtcInd
Incl Escrow Custodial Acct Liab	Yes (true)	InclEscrowCustodialAcctLiabInd
Explanation Provided	Yes (X)	ExplanationProvidedInd

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,445,662	OtherCostOrOtherBasisAmt
Book Value	$1,445,662	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$10,827,675	OtherCostOrOtherBasisAmt
Depreciation	$5,608,797	DepreciationAmt
Book Value	$5,218,878	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,886,516	OtherCostOrOtherBasisAmt
Depreciation	$895,821	DepreciationAmt
Book Value	$990,695	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$7,655,235	TotalBookValueLandBuildingsAmt
Total Book Value Securities	$315,725,445	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARES	Desc
Amt	$393,361,226	Amt

Field	Value	IRS element (for citing)
Total Liability	$393,361,226	TotalLiabilityAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Part IV, Line 2b: Explanation of escrow account liability	FormAndLineReferenceDesc
Explanation	PART IV, LINE 2B: THE CREDIT UNION SERVES AS CUSTODIAN FOR IRA ACCOUNTS TOTALING $9,247,745 AND HAS AN ESCROW ACCOUNT LIABILITY OF $40,791 FOR REAL ESTATE ESCROW/IMPOUND ACCOUNTS.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
First Class Or Charter Travel	Yes (X)	FirstClassOrCharterTravelInd
Travel For Companions	Yes (X)	TravelForCompanionsInd
Club Dues Or Fees	Yes (X)	ClubDuesOrFeesInd
Written Policy Ref T And E Expnss	Yes (true)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (true)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	false	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (true)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	false	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (3 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt
MICHAEL DUFFY
President & CEO	$562,000	$356,500	$3,094	$22,400	$49,256	$993,250
NORA STROH
EXECUTIVE VP/COO	$202,900	$78,384	$1,690	$55,257	$32,678	$370,909
STEVE LEIGA
VP ACCT & FIN	$176,600	$67,715	$1,553	$43,602	$49,256	$338,726

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc

ExplanationExplanationTxt

Part I, Line 1a: Relevant information in regards to selections on 1a.

PART I, LINE 1A: FIRST-CLASS TRAVEL - TRAVEL FOR BOARD AND EXECUTIVES WHERE FIRST CLASS TRAVEL IS AN OPTION AND WHEN DEEMED APPROPRIATE, HOWEVER, MOST AIR IS ON SOUTHWEST OR EQUIVALENT. TRAVEL FOR COMPANIONS - COMPANION TRAVEL IS PROVIDED WHEN APPROPRIATE.HEALTH/SOCIAL CLUB DUES - CORPORATE SOCIAL CLUB MEMBERSHIP IS PART OF COMMUNITY AND SMALL EMPLOYEE GROUP (SEG) RELATIONS.

Part III, Additional Information

PART I, LINE 4B: PARTICIPATION IN A 457(F) RETIREMENT PLAN-AMOUNTS REPORTED IN PART II, COLUMN C "RETIREMENT AND OTHER DEFERRED COMPENSATION" INCLUDES 457(F) RETIREMENT PLAN FUNDING. AMOUNTS ARE ACCRUED BUT NOT YET PAID OUT. ACCRUED AMOUNTS ARE AT SUBSTANTIAL RISK OF FORFEITURE AND ARE SCHEDULED TO BE PAID OUT IN FUTURE DISTRIBUTIONS. THE FOLLOWING INDIVIDUALS PARTICIPATED IN THE PLAN: NORA STROH, EXECUTIVE VP/COO AND STEVE LEIGA, VP ACCOUNTING & FINANCE.

Schedule L IRS990ScheduleL

Bus Tr Involve Interested Prsn BusTrInvolveInterestedPrsnGrp (2 entries)

Relationship DescriptionRelationshipDescriptionTxt	TransactionTransactionAmt	TransactionTransactionDesc	Sharing Of RevenuesSharingOfRevenuesInd
MICHAEL DUFFY
SIBLING	$993,250	COMPENSATION	false
NORA STROH
SIBLING	$370,909	COMPENSATION	false

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Schedule L, Part V Supplemental Information	FormAndLineReferenceDesc
Explanation	SCH L, PART IV, BUSINESS TRANSACTIONS INVOLVING INTERESTED PERSONS:(A) NAME OF PERSON: MICHAEL DUFFY(B) RELATIONSHIP BETWEEN INTERESTED PERSON AND ORGANIZATION:BROTHER OF NORA STROH, COO/EXECUTIVE VP(D) DESCRITION OF TRANSACTION: COMPENSATION PAYMENTS BY THE ORGANIZATION TO A FAMILY MEMBER OF AN OFFICER.(A) NAME OF PERSON: NORA STROH(B) RELATIONSHIP BETWEEN INTERESTED PERSON AND ORGANIZATION:SISTER OF MICHAEL DUFFY, PRESIDENT/CEO(D) DESCRIPTION OF TRANSACTION: COMPENSATION PAYMENTS BY THE ORGANIZATION TO A FAMILY MEMEMBER OF AN OFFICER.	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (10 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Client Note 1	Client Note 1 - SCHEDULE D, PART VII:(A) SECURITIES - AFT 1,566,847 - END-OF-YEAR MARKET VALUE(B) SECURITIES - AFS 293,558,598 - END-OF-YEAR MARKET VALUE(C) FED FUNDS 20,000,000 - END-OF-YEAR MARKET VALUE(D) CAPITAL SHARES 600,000 - END-OF-YEAR MARKET VALUE
Form 990, Part VI, Line 2: Description of Business or Family Relationship of Officers, Directors, Et	FORM 990, PART VI, SECTION A LINE 2: THE PRESIDENT/CEO, MICAHEL DUFFY, AND THE EXECUTIVE VP/COO, NORA STROH ARE SIBLINGS.
Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder	FORM 990, PART VI, SECTION A, LINE 6: THE CREDIT UNION'S MEMBERS HAVE RIGHT TO ELECT THE MEMBERS OF THE GOVERNING BODY. THE CREDIT UNION'S MEMBERS ALSO RECEIVE A SHARE OF THE ORGANIZATION'S PROFITS IN THE FORM OF CASH DIVIDENDS.
Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body	FORM 990, PART VI, SECTION A, LINE 7A: MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALY, AS VACANCIES ARISE, OR OTHERWISE.
Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders	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, Line 11b: Form 990 Review Process	FORM 990, PART VI, SECTION B, LINE 11: FORM 990 IS REVIEWED BY THE CEO AND VP ACCT & FIN PRIOR TO FILING AND A COPY IS PROVIDED TO THE BOARD FOR REVIEW AND DISCUSSION PRIOR TO FILING WITH THE IRS.
Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts	FORM 990, PART VI, SECTION B, LINE 12C: THE CONFLICT OF INTEREST POLICY IS MONITORED THROUGH TRAINING AND POLICY REVIEW. VOLUNTEERS READ AND SIGN A CODE OF CONDUCT FORM ANNUALLY.
Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management	FORM 990, PART VI, SECTION B, LINE 15: COMPENSATION IS PERFORMANCE BASED. COMPENSATION SURVEYS ARE USED TO SET COMPENSATION LEVELS, AS WELL AS AN INDEPENDENT THIRD PARTY REVIEW AND REVIEW AND APPROVAL OF THE EXECUTIVE BENEFITS COMMITTEE.
Form 990, Part VI, Line 19: Other Organization Documents Publicly Available	FORM 990, PART VI, SECTION C, LINE 19: CERTAIN DOCUMENTS ARE AVAILABLE FOR REVIEW UPON REQUEST. A LOBBY NOTICE IS POSTED IN EACH BRANCH.
Other Changes In Net Assets Or Fund Balances - Other Increases	= $5742623