2020-11-10T08:58:46-06:00 2019-12-31 042689883 WOLF & COMPANY PC 99 HIGH STREET 21ST FLOOR BOSTON MA 02110 990 2019-01-01 940755684 PATELCO CREDIT UNION PATE 8003588228 3 PARK PLACE DUBLIN CA 94588 SUSAN GRUBER EVP CFO 8003588228 2020-11-09 1 HARRY A KALAJIAN JR CPA P00464296 6174399700 2020-11-10 146.115.156.5 2020-11-10 08:51:58 ES P DA39A3EE5E6B4B0D3255BFEF95601890AFD80709 36AF408B42A4B53A88AB405E67774237CBEDE7D8 2019 2021-04-22 16:20:28Z X SUSAN GRUBER 3 PARK PLACE DUBLIN CA 94588 11422997191 0 1526 X WWW.PATELCO.ORG X CREDIT UNION 1936 CA PROVIDES A BROAD RANGE OF LOAN & DEPOSIT PRODUCTS AND OTHER FINANCIAL SERVICES TO ITS MEMBERS LOCATED IN NORTHERN CALIFORNIA AND ILLINOIS 12 12 928 12 207324 0 0 0 223327760 254725263 33122460 38370107 8373223 6611140 264823443 299706510 0 241056 0 0 75722142 81310724 0 0 0 123578956 153279685 199301098 234831465 65522345 64875045 6592553961 7290342964 5911588429 6530154672 680965532 760188292 X THE ORGANIZATION IS A FULL SERVICE STATE-CHARTERED CREDIT UNION THAT PROVIDES A BROAD RANGE OF LOAN AND DEPOSIT PRODUCTS AND OTHER FINANCIAL SERVICES TO ITS MEMBERS LOCATED IN NORTHERN CALIFORNIA AND ILLINOIS USING VARIOUS CHANNELS INCLUDING BRANCHES, A CALL CENTER AND THE INTERNET. 0 0 PATELCO CREDIT UNION IS A STATE-CHARTERED CREDIT UNION THAT IS COMMITTED TO PROVIDE ITS MEMBERS WITH SUPERIOR FINANCIAL SERVICES. ITS PRIMARY FUNCTION IS TO PROVIDE LOANS TO ITS MEMBERS AS WELL AS ACCEPT DEPOSITS FROM THEM. IN 2019, THE CREDIT UNION PROVIDED MEMBERS WITH 4,314 NEW REAL ESTATE LOANS TOTALING $1,412,936,497, AND 48,716 NEW CONSUMER LOANS TOTALING $896,665,359. AS OF DEC 31, 2019, THERE WERE 881,236 DEPOSIT ACCOUNTS TOTALING $6,130,385,756. 0 0 0 0 0 0 0 1 0 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 1 214307 0 1 928 1 1 1 0 0 0 0 0 0 0 X 12 12 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 CA X X SUSAN GRUBER 9254604613 5050 HOPYARD ROAD PLEASANTON CA 94588 JEFFREY PARKS 1ST VICE CHAIR 5.00 X X 6013 0 0 JESSE RIVERA TREASURER 5.00 X X 1961 0 0 PETER HANLET CHAIRMAN 5.00 X X 10465 0 0 GARICK ZILLGITT 2ND VICE CHAIR 5.00 X X 295 0 0 LAURA CHAMBERS DIRECTOR 5.00 X 0 0 0 COLLEEN CABEY SECRETARY 5.00 X X 2462 0 0 ROBERT A MCCORMISH DIRECTOR 5.00 X 2472 0 0 VICKIE RATH DIRECTOR 5.00 X 4425 0 0 TRACEY SCOTT DIRECTOR 5.00 X 1029 0 0 EMILY SCHUBERT DIRECTOR 5.00 X 0 0 0 RACE CHEN DIRECTOR 5.00 X 5685 0 0 DEBBIE CHAW DIRECTOR 5.00 X 0 0 0 SUSAN GRUBER EVP, CFO 40.00 X 529202 0 36627 MITSUHO R WADA CLO 40.00 X 474111 0 30781 KEVIN LANDEL SVP, INNOVATION 40.00 X 436199 0 34736 SUSAN MAKRIS CAO 40.00 X 417208 0 47290 ERIN MENDEZ PRESIDENT/CEO 40.00 X 992069 0 55080 KALYAN MAJMUMDAR CTO 40.00 X 211354 0 34222 MELISSA MORGAN CHIEF RETAIL OFFICER 40.00 X 466794 0 53054 CHRISTOPHER ALLEN CHEIF RISK OFFICER 40.00 X 411497 0 32761 BRENT GIFFORD VP INFORMATION SECURITY 40.00 X 343774 0 30520 ELAINE HAMANN VP DIGITAL DELIVERY 40.00 X 302134 0 18704 JENNIFER K ZOCCHI VP CONTROLLER (TERM ENDED 12/6/19) 40.00 X 264555 0 18508 JULIE HARRISON VP HR (TERM ENDED 12/31/19) 40.00 X 285992 0 35263 SUSAN COLEMAN VP INTERNAL AUDIT 40.00 X 290690 0 29135 VINCENT SALINAS VP REAL ESTATE LENDING 40.00 X 320727 0 37766 MARK PETERS VP PROJECT MGMT (TERM ENDED 8/20/19) 40.00 X 233630 0 21013 LEILANI APOLONIO VP PAYMENT OPERATIONS 40.00 X 292244 0 27328 AMEET SETH VP BRANCHES 40.00 X 342401 0 31997 NILENDU SAHA VP TECHNOLOGY (TERM ENDED 9/25/19) 40.00 X 259719 0 16214 MICHELLE L GREEAR VP TRAINING 40.00 X 262207 0 17365 NANCY L KVALE VP CALL CENTER 40.00 X 222438 0 13789 MICHAEL POIRIER VP CONSUMER LENDING 40.00 X 309642 0 31472 ERIK WELCH VP RETAIL OPERATIONS 40.00 X 304248 0 18789 RINA JOHNSON VP MARKETING 40.00 X 310414 0 28418 MATTHEW REIDY VP, FINANCIAL (TERM ENDED 10/25/19) 40.00 X 276383 0 25969 ARLENE J PIAZZA LOAN SALES 40.00 X 509990 0 45435 YIP CHANNING E LOAN SALES 40.00 X 452788 0 49258 KEVIN HAYDEN INVESTMENT SALES 40.00 X 619986 0 30367 GLORIA R CASTILLO LOAN SALES 40.00 X 400883 0 25237 EMMANUEL PABLO LOAN SALES 40.00 X 576309 0 50298 11154395 0 927396 49 0 1 0 PEOPLE 20 NORTH AMERICA PO BOX 677905 DALLAS TX 752677905 TEMP AGENCY 824987 MORTGAGE CADENCE LLC 28662 NETWORK PLACE CHICAGO IL 606731286 MORTGAGE SERVICES 721974 RATERESET 6861 ELM STREET SUITE 1C MCLEAN VA 22101 LOAN SERVICES 308920 AVTEX SOLUTIONS 3500 AMERICAN BLVD W STE 300 BLOOMINGTON MN 55431 IT PRODUCTS AND SERVICES 293871 MOSS ADAMS 635 CAMPBELL TECHNOLOGY PARKWAY CAMPBELL CA 95008 AUDIT SERVICES 273735 14 INTEREST ON LOANS TO MEMBERS 522100 211877301 211877301 INTERCHANGE FEE INCOME 522100 19102758 19102758 SERVICE CHARGES 522100 15634538 15634538 ATM FEES 524298 8110666 7903342 207324 254725263 31481292 31481292 15066 15066 0 11123696708 6467722 11123196072 79543 500636 6388179 6888815 6888815 INVESTMENT ADVISORY INCOME 522100 4807880 4807880 INSURANCE REVENUE 522100 1356415 1356415 MISC INCOME 900099 446845 446845 6611140 299706510 261129079 207324 38370107 241056 8594439 55407809 3489416 9249173 4569887 1386537 465780 319982 1873741 6431664 5390918 7885230 12828164 1363563 73033108 4232615 1016108 LOAN SERVICING EXPENSES 13082869 PROVISION FOR LOAN LOSS 12300000 ATM & OTHER PROCESSING 3837914 EQUIPMENT/MAINTENANCE 2240488 5591004 234831465 20985427 24877210 258975677 368315072 15958263 16198211 5012525084 5583293720 22592058 17251882 140979132 42237985 68949289 98741147 1042254039 803184234 23049014 23694209 24410546 24410546 102854564 330376733 6592553961 7290342964 56256695 49979508 10770122 12609595 5844561612 6467565569 5911588429 6530154672 X 0 0 0 0 680965532 760188292 680965532 760188292 6592553961 7290342964 X 64875045 17839979 -3492264 X X 0 1 X 1 0 CCUL PAC VOLUNTARY CONTRIBUTION PO BOX 51476 ONTARIO CA 917610076 942329967 0 RE-ELECT SANTOR ARKINS 330 ENCINITAS BLVD SUITE 101 ENCINITAS CA 92024 999999999 0 0 RE-ELECT CONGRESSMAN SWALWELL 3 PARK PLACE DUBLIN CA 94568 999999999 1000 TICKETS CONGRESSMAN SWALWELL DINNER 3 PARK PLACE DUBLIN CA 94568 999999999 500 SCHEDULE C, PART I-A, LINE 1 - DESCRIPTION OF POLITICAL ACTIVITIES THE CREDIT UNION'S ACTIVITES INCLUDE DONATIONS TO CAMPAIGNS AND PACS RELATED TO THOSE THAT SUPPORT CREDIT UNIONS AND SPECIFIC LEGISLATION THAT IS IMPORTANT AND BENEFICIAL TO CREDIT UNIONS. 0 1 X 11064734 11064734 45135892 562416 44573476 14935203 8683105 6252098 40414148 32019666 8394482 29429155 972798 28456357 98741147 REGULAR SHARES 914641632 SHARE DRAFTS 1070132806 MONEY MARKET ACCOUNTS 2020468367 SHARE CERTIFICATES 2112322764 FHLB ADVANCE 350000000 6467565569 X PART IV, LINE 2B: THE CREDIT UNION HOLDS FUNDS IN ESCROW ACCOUNT IN CONNECTION WITH THE MORTGAGE LOANS. THE CREDIT UNION COMPLIES WITH ALL FEDERAL & STATE LAWS REGARDING DISCLOSURES AND OPERATION OF THESE ACCOUNTS. PART X, LINE 2: THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DESCRIBED IN INTERNAL REVENUE CODE ("IRC") SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (AS DEFINED IN SECTION 512) DERIVED BY STATE-CHARTERED CREDIT UNIONS. MANY STATES HAVE SIMILAR LAWS. THE SPECIFIC APPLICATION OF SECTION 512 TO THE VARIOUS ACTIVITIES CONDUCTED BY STATE-CHARTERED CREDIT UNIONS HAS BEEN AT ISSUE FOR MANY YEARS. DURING 2007, THE IRS ISSUED A SERIES OF TECHNICAL ADVICE MEMORANDA ("TAM") TO A NUMBER OF STATE-CHARTERED CREDIT UNIONS LOCATED THROUGHOUT THE COUNTRY. IN LIGHT OF THE TAMS, THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY. IN THE OPINION OF MANAGEMENT, ANY LIABILITY ARISING FROM FEDERAL OR STATE TAXATION OF ACTIVITIES DEEMED TO BE UNRELATED TO ITS EXEMPT PURPOSES IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. FASB ASC 740-10-65, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED, AND PRESENTED IN THE CONSOLIDATED FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE "MORE LIKELY THAN NOT" OF BEING SUSTAINED "WHEN CHALLENGED OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS NOT DEEMED TO MEET THE MORE LIKELY THAN NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEARS ENDED DECEMBER 31, 2019 AND 2018, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS AND, ACCORDINGLY, HAS NOT RECORDED A LIABILITY FOR THE PAYMENT OF INTEREST OR PENALTIES. THE CREDIT UNION IS NOT SUBJECT TO EXAMINATION BY U.S. FEDERAL AND STATE TAX AUTHORITIES FOR TAX YEARS BEFORE 2013. 0 WORLDWIDE FOUNDATION FOR CREDIT UNIONS PO BOX 2982 MADISON WI 537012982 396093210 501(C)(3) 20000 CONTRIBUTIONS ALAMEDA COUNTY COMMUNITY FOOD BANK PO BOX 2599 OAKLAND CA 946140599 942960297 501(C)(3) 5000 CONTRIBUTIONS CA CREDIT UNION LEAGUE 2855 E GUASTI ROAD NO 600 ONTARIO CA 917611250 940357265 501(C)(3) 15000 CONTRIBUTIONS CHILDREN'S MIRACLE NETWORK 205 WEST 700 SOUTH SALT LAKE CITY UT 84101 870387205 501(C)(3) 46840 CONTRIBUTIONS NCUF-FOUNDATION HERO 5710 MINERAL POINT ROAD PO BOX 431 MADISON WI 53705 391383650 501(C)(3) 15000 CONTRIBUTIONS HABITAT FOR HUMANITY EAST BAY 2619 BROADWAY NO 205 OAKLAND CA 94612 943053687 501(C)(3) 70000 CONTRIBUTIONS LOAVES & FISHES FAMILY KITCHEN 1534 BERGER DRIVE SAN JOSE CA 95112 770370874 501(C)(3) 5000 CONTRIBUTIONS MERCED COUNTY FOOD BANK 2000 WEST OLIVE AVENUE MERCED CA 95348 800093563 501(C)(3) 5000 CONTRIBUTIONS NORTHERN VALLEY CATHOLIC SOCIAL SERVICE 2400 WASHINGTON AVE REDDING CA 96001 200984601 501(C)(3) 21366 CONTRIBUTIONS UCSF BENIOFF CHILDRENS HOSPITAL 2201 BROADWAY SUITE 600 OAKLAND CA 94612 941657474 501(C)(3) 5000 CONTRIBUTIONS REDWOOD EMPIRE FOOD BANK 3990 BRICKWAY BLVD SANTA ROSA CA 95403 680121855 501(C)(3) 12500 CONTRIBUTIONS 11 X 1 1 X X X 0 1 0 SUSAN GRUBER EVP, CFO 377938 0 145788 0 5476 0 22400 0 14227 0 565829 0 0 0 MITSUHO R WADA CLO 373117 0 95426 0 5568 0 22400 0 8381 0 504892 0 0 0 KEVIN LANDEL SVP, INNOVATION 319810 0 113850 0 2539 0 16599 0 18137 0 470935 0 0 0 SUSAN MAKRIS CAO 299785 0 113615 0 3808 0 40230 0 7060 0 464498 0 0 0 ERIN MENDEZ PRESIDENT/CEO 709219 0 267750 0 15100 0 41400 0 13680 0 1047149 0 0 0 KALYAN MAJMUMDAR CTO 183842 0 26753 0 759 0 31414 0 2808 0 245576 0 0 0 MELISSA MORGAN CHIEF RETAIL OFFICER 340233 0 122175 0 4386 0 41400 0 11654 0 519848 0 0 0 CHRISTOPHER ALLEN CHEIF RISK OFFICER 302160 0 104827 0 4510 0 18279 0 14482 0 444258 0 0 0 BRENT GIFFORD VP INFORMATION SECURITY 255288 0 83275 0 5211 0 17147 0 13373 0 374294 0 0 0 ELAINE HAMANN VP DIGITAL DELIVERY 240688 0 60383 0 1063 0 17505 0 1199 0 320838 0 0 0 JENNIFER K ZOCCHI VP CONTROLLER (TERM ENDED 12/6/19) 214392 0 49798 0 365 0 8410 0 10098 0 283063 0 0 0 JULIE HARRISON VP HR (TERM ENDED 12/31/19) 201675 0 83958 0 359 0 29857 0 5406 0 321255 0 0 0 SUSAN COLEMAN VP INTERNAL AUDIT 229029 0 61054 0 607 0 15631 0 13504 0 319825 0 0 0 VINCENT SALINAS VP REAL ESTATE LENDING 243154 0 76499 0 1074 0 36344 0 1422 0 358493 0 0 0 MARK PETERS VP PROJECT MGMT (TERM ENDED 8/20/19) 170048 0 62595 0 987 0 12138 0 8875 0 254643 0 0 0 LEILANI APOLONIO VP PAYMENT OPERATIONS 222903 0 67704 0 1637 0 23353 0 3975 0 319572 0 0 0 AMEET SETH VP BRANCHES 265820 0 76109 0 472 0 17927 0 14070 0 374398 0 0 0 NILENDU SAHA VP TECHNOLOGY (TERM ENDED 9/25/19) 210732 0 44756 0 4231 0 11827 0 4387 0 275933 0 0 0 MICHELLE L GREEAR VP TRAINING 202967 0 56986 0 2254 0 11079 0 6286 0 279572 0 0 0 NANCY L KVALE VP CALL CENTER 170553 0 48634 0 3251 0 12885 0 904 0 236227 0 0 0 MICHAEL POIRIER VP CONSUMER LENDING 241355 0 67881 0 406 0 15458 0 16014 0 341114 0 0 0 ERIK WELCH VP RETAIL OPERATIONS 223890 0 75343 0 5015 0 16561 0 2228 0 323037 0 0 0 RINA JOHNSON VP MARKETING 240837 0 69146 0 431 0 14379 0 14039 0 338832 0 0 0 MATTHEW REIDY VP, FINANCIAL (TERM ENDED 10/25/19) 211370 0 64716 0 297 0 13858 0 12111 0 302352 0 0 0 ARLENE J PIAZZA LOAN SALES 88693 0 421181 0 116 0 40675 0 4760 0 555425 0 0 0 YIP CHANNING E LOAN SALES 127251 0 325397 0 140 0 39300 0 9958 0 502046 0 0 0 KEVIN HAYDEN INVESTMENT SALES 86459 0 533264 0 263 0 20971 0 9396 0 650353 0 0 0 GLORIA R CASTILLO LOAN SALES 83011 0 317832 0 40 0 20621 0 4616 0 426120 0 0 0 EMMANUEL PABLO LOAN SALES 76975 0 498361 0 973 0 41400 0 8898 0 626607 0 0 0 PART I, LINE 1A TRAVEL FOR COMPANIONS - THE CREDIT UNION PROVIDES TRAVEL FOR COMPANIONS BENEFITS TO THE BOARD MEMBERS AND REPORTS APPLICABLE AMOUNTS AS TAXABLE BENEFITS. PART I, LINE 4B THE CREDIT UNION HAS A SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN ("SERP"). THE SERP IS A NON-QUALIFIED RETIREMENT PLAN, WITH PARTICIPATION LIMITED TO EXECUTIVES SELECTED BY THE CREDIT UNION'S BOARD OF DIRECTORS. THE PURPOSE OF THE SERP IS TO RETAIN CERTAIN KEY EXECUTIVES BY PROVIDING ENHANCED BENEFITS ONLY AT RETIREMENT. IN 2018, THE CREDIT UNION RESTRUCTURED THE SERP RESULTING IN ALL YEARS OF CREDITED SERVICE FOR THE PURPOSES OF BENEFIT ACCRUALS FREEZING ONCE THE CARRYING VALUE REACHES $1.6 MILLION. AT DECEMBER 31, 2019 THE CARRYING AMOUNT OF THE SAID SERP IS $1.6 MILLION AND IS EFFECTIVELY FROZEN. AT DECEMBER 31, 2018, THE CARRYING VALUE OF THE SERP IS $1.5 MILLION. FOR THE YEARS ENDED DECEMBER 31, 2019 AND 2018, THE SERP EXPENSE, INCLUDED IN SALARIES AND BENEFITS, WERE $1 THOUSAND AND $625 THOUSAND, RESPECTIVELY. FORM 990, PART IV, LINE 26 - LOANS TO AND /OR FROM INTERESTED PERSONS: SOME OF THE OFFICERS, DIRECTORS AND KEY EMPLOYEES HAVE LOANS OUTSTANDING FROM THE CREDIT UNION. THESE LOANS WERE OBTAINED IN THE ORDINARY COURSE OF BUSINESS OF THE CREDIT UNION ON THE SAME TERMS AVAILABLE TO ALL MEMBERS. BASED ON THE SCHEDULE L INSTRUCTIONS, THESE LOANS ARE NOT DISCLOSED. FORM 990, PART VI, SECTION A, LINE 6 PATELCO CREDIT UNION IS A STATE-CHARTERED CREDIT UNION ORGANIZED UNDER THE PROVISIONS OF THE CALIFORNIA CREDIT UNION ACT. MEMBERSHIP IN THE CREDIT UNION IS LIMITED TO THOSE INDIVIDUALS THAT QUALIFY FOR MEMBERSHIP, INCLUDING EMPLOYEES OF AT&T, WALGREENS AND OTHER SPECIFIC EMPLOYER SPONSORS, AND INDIVIDUALS WHO LIVE, WORK, OR WORSHIP IN ONE OF A SPECIFIC GROUP OF CITIES IN NORTHERN CALIFORNIA. THE FIELD OF MEMBERSHIP IS DEFINED BY THE CREDIT UNION BYLAWS. FORM 990, PART VI, SECTION A, LINE 7A THE CREDIT UNION MEMBERS ELECT BOARD OF DIRECTORS WITH VARIED TERMS AT AN ANNUAL MEETING HELD EACH YEAR. FORM 990, PART VI, SECTION A, LINE 7B THE CREDIT UNION MEMBERS ELECT BOARD OF DIRECTORS WITH VARIED TERMS AT AN ANNUAL MEETING HELD EACH YEAR. FORM 990, PART VI, SECTION B, LINE 11B FORM 990 IS REVIEWED BY THE CFO AND THE CHAIRPERSON OF THE FINANCE COMMITTEE. IT IS ALSO AVAILABLE TO ALL BOARD MEMBERS FOR REVIEW PRIOR FILING WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C ALL EMPLOYEES AND OFFICIALS ARE SUBJECTS TO CREDIT UNION CONFLICT OF INTEREST POLICIES. VIOLATIONS COULD BE SUBJECT TO DISCRIPLINARY ACTION. ALL IN-HOUSE ACCOUNTS HELD WITH THE CREDIT UNION ARE SUBJECT TO INTERNAL REVIEW. FORM 990, PART VI, SECTION B, LINE 15 ALL MANAGEMENT POSITIONS HAVE COMPENSATION SET BY THE POLICIES AND GUIDELINES APPROVED BY BOARD OF DIRECTORS OR CEO. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION MAKES ITS FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC BY POSING THEM IN EACH OF ITS RETAIL BRANCHES. ITS ANNUAL REPORTS AND FINANCIAL STATEMENTS ARE POSTED ON THE PATELCO CREDIT UNION'S WEBSITE AT WWW.PATELCO.ORG. GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICIES ARE AVAILABLE TO THE MEMBERS UPON REQUEST IN WRITING. FORM 990, PART XI, LINE 9: CHANGE IN OTHER COMPREHENSIVE INCOME -3,492,264. FORM 990, PART XII, LINE 2C: THERE WAS NO CHANGE IN THE OVERSIGHT PROCESS OR SELECTION PROCESS OF PATELCO CREDIT UNION DURING THE TAX YEAR 2019. PATELCORP INSURANCE SERVICES INC 5050 HOPYARD RD PLEASANTON CA 94588 943068709 INS & INVESTMENTS CA PATELCO CREDIT UNION C 378670 1450370 1.00000 1 MEMBERS ADVANTAGE PLUS 5050 HOPYARD RD PLEASANTON CA 94588 943233988 AUTO BUYING SERVICES CA PATELCO CREDIT UNION C 95587 117459 1.00000 1 0 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 0 PATELCORP SERVICE ORGANIZATION O 63420 FMV PATELCORP SERVICE ORGANIZATION Q 111655 FMV PATELCORP SERVICE ORGANIZATION M 378670 FMV MEMBERS ADVANTAGE PLUS O 125051 FMV MEMBERS ADVANTAGE PLUS Q 1103 FMV MEMBERS ADVANTAGE PLUS M 95587 FMV MEMBERS ADVANTAGE PLUS B 15066 FMV