CREDIT UNIONS IN THE STATE OF CALIFORNIA: Form 990, tax year 2018

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS IN THE STATE OF CALIFORNIA (EIN 94-1484851)
Tax period: 2018-01-01 to 2018-12-31
Filed: 2019-11-15
IRS object ID: 201923199349315282
Schema version: 2018v3.1
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 I
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2019-11-15T17:25:37-06:00	ReturnTs
Tax Period End	2018-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	420714325	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	RSM US LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	801 NICOLLET MALL WEST TOWER STE	AddressLine1Txt
Address Line2	1100	AddressLine2Txt
City	MINNEAPOLIS	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	554022526	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2018-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	941484851	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	CRED	BusinessNameControlTxt
Phone	8002227228	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1351 HARTER PKWY	AddressLine1Txt
City	YUBA CITY	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	95993	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	JOHN CASSIDY	PersonNm
Person Title	CEO	PersonTitleTxt
Phone	8002227228	PhoneNum
Signature	2019-11-15	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	KACIE MCEWEN	PreparerPersonNm
PTIN	P01599614	PTIN
Phone	6123324300	PhoneNum

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	66.98.98.3	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2019-11-15	IPDt
IP Tm	16:25:33	IPTm
IP Timezone	CS	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	DA39A3EE5E6B4B0D3255BFEF95601890AFD80709	AtSubmissionCreationDeviceId
At Submission Filing Device Id	B56786F7D21A8F39D00ED83C272556B8DDCB8C36	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2018	TaxYr
Build TS	2020-03-31 21:24:44Z	BuildTS

Form 990 IRS990

Doing Business As Name DoingBusinessAsName

Field	Value	IRS element (for citing)
Business Name Line1	SIERRA CENTRAL CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Principal Officer	JOHN CASSIDY	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1351 HARTER PKWY	AddressLine1Txt
City	YUBA CITY	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	95993	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$48,600,194	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
All Affiliates Included	Yes (1)	AllAffiliatesIncludedInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.SIERRACENTRAL.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1955	FormationYr
Legal Domicile State	CA	LegalDomicileStateCd
Activity Or Mission	AS YOUR FINANCIAL INSTITUTION: WE PLEDGE TO SERVE YOU AND OUR COMMUNITY FAITHFULLY; WE WILL BE FRIENDLY, HELPFUL AND PROFESSIONAL. WE WILL PROVIDE GREAT PRODUCTS AND COMPETITIVE RATES.	ActivityOrMissionDesc
Voting Members Governing Body	6	VotingMembersGoverningBodyCnt
Voting Members Independent	6	VotingMembersIndependentCnt
Total Employee	259	TotalEmployeeCnt
Total Volunteers	10	TotalVolunteersCnt
Total Gross UBI	$112,890	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$39,936,417	PYProgramServiceRevenueAmt
CY Program Service Revenue	$44,546,769	CYProgramServiceRevenueAmt
PY Investment Income	$2,451,975	PYInvestmentIncomeAmt
CY Investment Income	$4,053,425	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$42,388,392	PYTotalRevenueAmt
CY Total Revenue	$48,600,194	CYTotalRevenueAmt
PY Grants And Similar Paid	$22,000	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$22,000	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$3,811,162	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$5,368,890	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$12,303,056	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$12,871,506	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$20,284,780	PYOtherExpensesAmt
CY Other Expenses	$20,605,709	CYOtherExpensesAmt
PY Total Expenses	$36,420,998	PYTotalExpensesAmt
CY Total Expenses	$38,868,105	CYTotalExpensesAmt
PY Revenues Less Expenses	$5,967,394	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$9,732,089	CYRevenuesLessExpensesAmt
Total Assets BOY	$936,067,613	TotalAssetsBOYAmt
Total Assets EOY	$1,115,563,517	TotalAssetsEOYAmt
Total Liabilities BOY	$831,421,898	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$1,001,185,713	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$104,645,715	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$114,377,804	NetAssetsOrFundBalancesEOYAmt
Mission	AS YOUR FINANCIAL INSTITUTION: WE PLEDGE TO SERVE YOU AND OUR COMMUNITY FAITHFULLY; WE WILL BE FRIENDLY, HELPFUL AND PROFESSIONAL. WE WILL PROVIDE GREAT PRODUCTS AND COMPETITIVE RATES.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	SIERRA CENTRAL CREDIT UNION (SCCU) PROVIDES FINANCIAL SERVICES, INCLUDING SAVINGS, CHECKING, MONEY MARKET, IRA SAVINGS ACCOUNTS AND REGULAR AND IRA CDS TO MEMBER OWNERS. MEMBERS HAVE ACCESS TO OVER 30,000 ATMS, ONLINE BANKING AND DEBIT CARDS. IN 2018 SCCU PROVIDED FINANCIAL SERVICES, SAVINGS AND LOAN ACCOUNTS TO 68,211 MEMBERS AND FUNDED $295M IN LOANS.	Desc
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	Yes (1)	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	Yes (1)	CreditCounselingInd
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	Yes (1)	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	0	GrantsToOrganizationsInd
Grants To Individuals	Yes (1)	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 With Officer Ent	0	BusinessRlnWithOfficerEntInd
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	16388	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	259	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
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	6	GoverningBodyVotingMembersCnt
Independent Voting Member	6	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	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	0	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	0	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	0	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	STEPHANIE DICKINSON	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	8002227228	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1351 HARTER PARKWAY	AddressLine1Txt
City	YUBA CITY	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	95993	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (18 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Key EmployeeKeyEmployeeInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
BALDEV JOHAL
CHAIR	2.00	Yes (X)	Yes (X)	$0	$0	$0
DAVID MACHOWIAK
VICE CHAIR	2.00	Yes (X)	Yes (X)	$0	$0	$0
DIANE MEYERS
SECRETARY/TREASURER	2.00	Yes (X)	Yes (X)	$0	$0	$0
RON BARTOLI
DIRECTOR	2.00	Yes (X)		$0	$0	$0
DEVIN BARBER
DIRECTOR	2.00	Yes (X)		$0	$0	$0
TIB BELZA
DIRECTOR	2.00	Yes (X)		$0	$0	$0
DAN MIERZWA
DIRECTOR	2.00	Yes (X)		$0	$0	$0
JOHN CASSIDY
CEO	40.00		Yes (X)	$518,415	$0	$30,695
RON SWEENEY
COO/EVP	40.00		Yes (X)	$488,769	$0	$39,267
STEPHANIE DICKINSON
CFO	40.00		Yes (X)	$235,302	$0	$44,855
STEVE HENDERSON
CIO, SVP ISIT & FACILITIES	40.00			$254,421	$0	$40,117	Yes (X)
DAVID KELSAY
CLO, SVP LENDING	40.00			$238,604	$0	$35,682	Yes (X)
DESIREE MANES
SVP RETAIL BANKING	40.00			$212,038	$0	$26,946	Yes (X)
GENE MARCUCCI
VP OF COMMERCIAL LENDING	40.00			$168,325	$0	$12,981		Yes (X)
CORINE DAVIS
VP OF HR	40.00			$141,479	$0	$20,128		Yes (X)
DAVID BUMPUS
BUSINESS DEVELOPMENT MANAGER	40.00			$148,685	$0	$28,652		Yes (X)
BARBARA MENEFEE
VP OF MARKETING	40.00			$128,417	$0	$34,324		Yes (X)
JAQUELYN TROTCHIE
BUSINESS DEVELOPMENT MANAGER	40.00			$126,464	$0	$14,720		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,660,919	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$328,367	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	18	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
FISERV INC
75 REMITTANCE DR 6962	CHICAGO	IL	60675	IT SERVICES	$1,397,639
CORPORATE CONSTRUCTION SERVICES INC
5061 24TH ST	SACRAMENTO	CA	95822	CONSTRUCTION	$561,037
EXPERIAN
PO BOX 881971	LOS ANGELES	CA	90088	CREDIT SCORING	$522,785
SUNWORKS
1030 WINDING CREEK RD 100	ROSEVILLE	CA	95678	SOLAR	$491,812
INFOIMAGE
141 JERFFERSON DR	MENLO PARK	CA	94025	STATEMENT PROCESSING	$357,412

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	29	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
LOAN INTEREST INCOME	522110	$34,075,437	$34,075,437
SERVICE CHARGES & OTHER FEES	522110	$8,255,646	$8,142,756	$112,890
OTHER NONINTEREST INCOME	522110	$2,215,686	$2,215,686

Field	Value	IRS element (for citing)
Total Program Service Revenue	$44,546,769	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$4,053,425	TotalRevenueColumnAmt
Exclusion	$4,053,425	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$48,600,194	TotalRevenueColumnAmt
Related Or Exempt Func Income	$44,433,879	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$112,890	UnrelatedBusinessRevenueAmt
Exclusion	$4,053,425	ExclusionAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$22,000	TotalAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$5,368,890	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$2,165,110	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$8,227,785	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$508,410	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,078,079	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$892,122	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$197,667	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$129,100	TotalAmt

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$38,205	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$12,976	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$497,743	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$3,945,033	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$1,474,388	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,677,856	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$304,789	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$25,311	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$8,170	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$2,047,833	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$177,730	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
PROVISION FOR LOAN LOSS	$5,994,136
PLASTIC CARD OPERATIONS	$2,039,986
LOAN SERVICING	$1,097,424
COMMUNITY RELATIONS	$241,498

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$695,864	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$38,868,105	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$11,486,520	BOYAmt
EOY	$7,596,368	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$154,566,561	BOYAmt
EOY	$221,239,618	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$11,960,184	BOYAmt
EOY	$12,230,570	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$663,804,602	BOYAmt
EOY	$737,714,273	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$810,762	BOYAmt
EOY	$844,413	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$55,896,590	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$20,026,216	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$34,509,075	BOYAmt
EOY	$35,870,374	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$47,040,174	BOYAmt
EOY	$87,005,998	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$11,889,735	BOYAmt
EOY	$13,061,903	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$936,067,613	BOYAmt
EOY	$1,115,563,517	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$9,211,939	BOYAmt
EOY	$10,714,339	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$844,958	BOYAmt
EOY	$1,599,986	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$821,365,001	BOYAmt
EOY	$988,871,388	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$831,421,898	BOYAmt
EOY	$1,001,185,713	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow SFAS117	Yes (X)	OrgDoesNotFollowSFAS117Ind

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	$104,645,715	BOYAmt
EOY	$114,377,804	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$104,645,715	BOYAmt
EOY	$114,377,804	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$936,067,613	BOYAmt
EOY	$1,115,563,517	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$9,732,089	ReconcilationRevenueExpnssAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
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 C IRS990ScheduleC

Field	Value	IRS element (for citing)
Political Expenditures	$18,000	PoliticalExpendituresAmt
Internal Funds Contributed	$18,000	InternalFundsContributedAmt
Total Exempt Function Expend	$18,000	TotalExemptFunctionExpendAmt
Form1120 POL Filed	Yes (1)	Form1120POLFiledInd

Section527 Political Org Section527PoliticalOrgGrp (2 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	EINEIN	Paid Internal FundsPaidInternalFundsAmt
CA CREDIT UNION LEAGUE PAC
PO BOX 51476	ONTARIO	CA	917610076	942329967	$17,000
JAMES GALLAGHER FOR ASSEMBLY
1017 L STREET 131	SACRAMENTO	CA	95814	814491439	$1,000

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I-A, LINE 1:	FormAndLineReferenceDesc
Explanation	SIERRA CENTRAL CREDIT UNION CONTRIBUTED FINANCIALLY TO THE CALIFORNIA CREDIT UNION LEAGUE'S POLITICAL ACTION COMMITTEE. SIERRA CENTRAL CREDIT UNION ALSO SPONSORED A FUNDRAISING DINNER FOR A STATE ASSEMBLYMAN.	ExplanationTxt

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	Yes (1)	AgentTrusteeEtcInd
Beginning Balance	$276,507	BeginningBalanceAmt
Additions During Year	$1,203,487	AdditionsDuringYearAmt
Distributions During Year	$1,013,849	DistributionsDuringYearAmt
Ending Balance	$466,145	EndingBalanceAmt
Incl Escrow Custodial Acct Liab	Yes (1)	InclEscrowCustodialAcctLiabInd
Explanation Provided	Yes (X)	ExplanationProvidedInd

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$12,128,813	OtherCostOrOtherBasisAmt
Book Value	$12,128,813	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$26,130,306	OtherCostOrOtherBasisAmt
Depreciation	$6,569,258	DepreciationAmt
Book Value	$19,561,048	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,166,630	OtherCostOrOtherBasisAmt
Depreciation	$1,115,155	DepreciationAmt
Book Value	$51,475	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$15,909,885	OtherCostOrOtherBasisAmt
Depreciation	$12,341,803	DepreciationAmt
Book Value	$3,568,082	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$560,956	OtherCostOrOtherBasisAmt
Book Value	$560,956	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$35,870,374	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (5 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
FHLB STOCK	$1,794,600	C
CO-OP STOCK	$20,000	C
CUDL STOCK	$500,000	C
FEDERAL AGENCY SECURITIES	$34,941,616	C
US TREASURIES	$49,749,782	C

Field	Value	IRS element (for citing)
Total Book Value Securities	$87,005,998	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARES	Desc
Amt	$988,871,388	Amt

Field	Value	IRS element (for citing)
Total Liability	$988,871,388	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$48,600,194	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$48,600,194	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$48,600,194	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$38,868,105	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$38,868,105	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$38,868,105	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (3 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART IV, LINE 1B:	WE HOLD ESCROW ACCOUNTS FOR LOANS THAT ARE NOT OWNED BY THE CREDIT UNION, BUT ARE SERVICED BY THE CREDIT UNION.
PART IV, LINE 2B:	THE CREDIT UNION HOLD FUNDS IN ESCROW TO PAY TAXES AND INSURANCE ON BEHALF OF ITS MORTGAGE LOAN MEMBERS.
PART X, LINE 2:	FOR THE YEAR ENDED DECEMBER 31, 2018, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS.

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (1)	GrantRecordsMaintainedInd

Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp

Field	Value	IRS element (for citing)
Grant Type	SCHOLARSHIPS TO STUDENTS ATTENDING COLLEGE	GrantTypeTxt
Recipient	22	RecipientCnt
Cash Grant	$22,000	CashGrantAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2:	FormAndLineReferenceDesc
Explanation	FUNDS FOR COLLEGE SCHOLARSHIPS ARE SENT DIRECTLY TO THE RECIPIENTS AND THE CREDIT UNION DOES NOT MONITOR THE USE OF THE FUNDS.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Club Dues Or Fees	Yes (X)	ClubDuesOrFeesInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (10 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
JOHN CASSIDY
CEO	$440,155	$0	$75,938	$0	$2,322	$0	$22,000	$0	$8,695	$0	$549,110	$0	$0	$0
RON SWEENEY
COO/EVP	$409,943	$0	$76,504	$0	$2,322	$0	$22,000	$0	$17,267	$0	$528,036	$0	$0	$0
STEPHANIE DICKINSON
CFO	$204,905	$0	$30,000	$0	$397	$0	$19,720	$0	$25,135	$0	$280,157	$0	$0	$0
STEVE HENDERSON
CIO, SVP ISIT & FACILITIES	$222,557	$0	$30,000	$0	$1,864	$0	$20,902	$0	$19,215	$0	$294,538	$0	$0	$0
DAVID KELSAY
CLO, SVP LENDING	$205,921	$0	$30,000	$0	$2,683	$0	$19,515	$0	$16,167	$0	$274,286	$0	$0	$0
DESIREE MANES
SVP RETAIL BANKING	$179,882	$0	$30,000	$0	$2,156	$0	$17,212	$0	$9,734	$0	$238,984	$0	$0	$0
GENE MARCUCCI
VP OF COMMERCIAL LENDING	$154,904	$0	$9,250	$0	$4,171	$0	$5,103	$0	$7,879	$0	$181,307	$0	$0	$0
CORINE DAVIS
VP OF HR	$130,590	$0	$9,250	$0	$1,639	$0	$11,513	$0	$8,616	$0	$161,608	$0	$0	$0
DAVID BUMPUS
BUSINESS DEVELOPMENT MANAGER	$144,101	$0	$4,500	$0	$84	$0	$12,322	$0	$16,329	$0	$177,336	$0	$0	$0
BARBARA MENEFEE
VP OF MARKETING	$118,599	$0	$9,250	$0	$568	$0	$11,023	$0	$23,302	$0	$162,742	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART I, LINE 1A	TRAVEL FOR COMPANIONS - TRAVEL FOR COMPANIONS IS ONLY PROVIDED FOR BOARD AND SUPERVISORY COMMITTEE MEMBERS. EXPENSES ARE TRACKED DURING THE YEAR AND FORM 1099 IS FILED IF THE $600 REPORTING THRESHOLD IS MET. SOCIAL CLUB DUES - GOLF CLUB DUES ARE PROVIDED TO SVPS AND ABOVE TO COVER THE COST OF THEIR DUES AT THE LOCAL GOLF CLUB. THIS AMOUNT IS INCLUDED IN THEIR W-2.
PART I, LINE 4B	SPLIT-DOLLAR PLAN: THE CREDIT UNION ENTERED INTO AN AGREEMENT WITH SENIOR EXECUTIVES, JOHN CASSIDY AND RON SWEENEY, WHEREBY THE CREDIT UNION MADE A FULLY SECURED LOAN TO THE EXECUTIVES TO MAKE THE PAYMENTS FOR PREMIUMS ON LIFE INSURANCE POLICIES. THE LOAN IS SECURED BY A PORTION OF THE POLICIES BENEFITS. THE EXECUTIVES ARE THE OWNERS AND BENEFICIARIES OF THE POLICIES.

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (2 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
JOHN CASSIDY
OFFICER OF ORGANIZATION	FUND PURCHASE OF CASH VALUE LIFE INSURANCE POLICIES	Yes (X)	$6,275,594	$6,621,116	0	Yes (1)	Yes (1)
RON SWEENEY
OFFICER OF ORGANIZATION	FUND PURCHASE OF CASH VALUE LIFE INSURANCE POLICIES	Yes (X)	$5,316,725	$5,609,454	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$12,230,570	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE CREDIT UNION'S MEMBERS HAVE RIGHTS 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, 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 PERIODICALLY, OR AS VACANCIES ARISE, OR OTHERWISE.
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	A COPY OF FORM 990 WILL BE PROVIDED ELECTRONICALLY TO THE BOARD OF DIRECTORS PRIOR TO FILING WITH THE IRS.
FORM 990, PART VI, SECTION B, LINE 12	EMPLOYEES AND BOARD MEMBERS ARE REQUIRED TO DISCLOSE ANY CONFLICTS THAT ARISE; HOWEVER THERE IS NO OFFICIAL MONITORING PROCESS IN PLACE.
FORM 990, PART VI, SECTION B, LINE 15A	THE BOARD OF DIRECTORS CONTRACT WITH AN EXTERNAL CONSULTING COMPANY TO PROVIDE COMPARABLE COMPENSATION DATA FOR LIKE POSITIONS. AFTER DISCUSSION AMONGST BOARD MEMBERS CONDUCTED IN CLOSED SESSION FORMAT THE COMPENSATION PACKAGE, IN CONJUNCTION WITH THE EMPLOYEE CONTRACTS, WERE PRESENTED TO AND ACCEPTED BY THE CEO IN 2007. THE COO'S SALARY IS A PERCENTAGE OF THE CEO'S SALARY. THE PERCENTAGE IS DETERMINED BY THE BOARD AND IS UP TO THEIR DISCRETION. ALL OTHER OFFICERS AND KEY EMPLOYEE SALARIES WERE DETERMINED BY GATHERING COMPARABLE DATA FROM MULTIPLE SOURCES AND ANALYZING IT TO DETERMINE A SALARY. THIS INFORMATION WAS THEN PRESENTED TO JOHN CASSIDY, CEO AND RON SWEENEY, COO AND THEY BOTH APPROVED IT. COMPENSATION OF OTHER OFFICERS AND KEY EMPLOYEES IS DETERMINED INTERNALLY THROUGH THE ANNUAL APPRAISAL PROCESS, WHICH IS APPROVED BY THE IMMEDIATE SUPERVISOR.
FORM 990, PART VI, SECTION C, LINE 19	THE FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY OF EACH BRANCH. ALL OTHER DOCUMENTS ARE AVAILABLE UPON REQUEST FOR THE SAME PERIOD OF DISCLOSURE AS SET FORTH IN SECTION 6104(D).
FORM 990, PART I, LINE 6	THE 10 VOLUNTEERS CONSIST OF THE 7 BOARD MEMBERS AND 3 SUPERVISORY COMMITTEE MEMBERS.