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 94-1244186)
Tax period: 2018-01-01 to 2018-12-31
Filed: 2019-11-15
IRS object ID: 201923199349320277
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
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2019-11-15T14:40:51-06:00	ReturnTs
Tax Period End	2018-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	410746749	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

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

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	20 E THOMAS RD STE 2300	AddressLine1Txt
City	PHOENIX	CityNm
State Abbreviation	AZ	StateAbbreviationCd
ZIP	85012	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	941244186	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	REDW	BusinessNameControlTxt
Phone	8004797928	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3033 CLEVELAND AVE NO 100	AddressLine1Txt
City	SANTA ROSA	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	95403	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	RONALD FELDER	PersonNm
Person Title	CHIEF FINANCIAL & RISK OFFICER	PersonTitleTxt
Phone	8004797928	PhoneNum
Signature	2019-11-13	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	MARY C GREEN	PreparerPersonNm
PTIN	P00447183	PTIN
Phone	6022662248	PhoneNum

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	67.137.57.251	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2019-11-13	IPDt
IP Tm	09:39:08	IPTm
IP Timezone	US	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	FD94BE241EB30D59D427851B854338419E5FBD2E	AtSubmissionCreationDeviceId
At Submission Filing Device Id	6090138281F26C81E44F33703B5A75F6ECDC86D4	AtSubmissionFilingDeviceId

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

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	BRETT MARTINEZ	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3033 CLEVELAND AVE NO 100	AddressLine1Txt
City	SANTA ROSA	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	95403	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$216,019,196	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.REDWOODCU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1950	FormationYr
Legal Domicile State	CA	LegalDomicileStateCd
Activity Or Mission	PROVIDE FINANCIAL PRODUCTS AND SERVICES TO MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	709	TotalEmployeeCnt
Total Volunteers	12	TotalVolunteersCnt
Total Gross UBI	$235,814	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$164,058,596	PYProgramServiceRevenueAmt
CY Program Service Revenue	$196,393,563	CYProgramServiceRevenueAmt
PY Investment Income	$12,855,561	PYInvestmentIncomeAmt
CY Investment Income	$19,065,332	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$83,040	CYOtherRevenueAmt
PY Total Revenue	$176,914,157	PYTotalRevenueAmt
CY Total Revenue	$215,541,935	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$3,000,000	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$7,700,148	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$13,999,719	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$42,426,015	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$49,044,640	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$59,156,632	PYOtherExpensesAmt
CY Other Expenses	$62,209,870	CYOtherExpensesAmt
PY Total Expenses	$109,282,795	PYTotalExpensesAmt
CY Total Expenses	$128,254,229	CYTotalExpensesAmt
PY Revenues Less Expenses	$67,631,362	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$87,287,706	CYRevenuesLessExpensesAmt
Total Assets BOY	$4,030,135,754	TotalAssetsBOYAmt
Total Assets EOY	$4,454,112,489	TotalAssetsEOYAmt
Total Liabilities BOY	$3,576,316,744	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$3,913,026,061	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$453,819,010	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$541,086,428	NetAssetsOrFundBalancesEOYAmt
Mission	PASSIONATELY SERVING THE BEST INTERESTS OF OUR MEMBERS, EMPLOYEES, AND COMMUNITIES. SERVING ALL OF OUR MEMBERS FINANCIAL SERVICE NEEDS.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	REDWOOD CREDIT UNION IS ENGAGED IN PROVIDING LOW COST FINANCIAL SERVICES TO OUR MEMBER-OWNERS AS A COOPERATIVE ORGANIZATION.	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	0	CreditCounselingInd
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
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	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	Yes (1)	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 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	Yes (1)	RelatedEntityInd
Related Organization Ctrl Ent	Yes (1)	RelatedOrganizationCtrlEntInd
Transaction With Control Ent	Yes (1)	TransactionWithControlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	51077	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Employee	709	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	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	Yes (1)	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	0	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	0	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	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	MICHAEL GAY CONTROLLER	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	8004797928	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3033 CLEVELAND AVE SUITE 100	AddressLine1Txt
City	SANTA ROSA	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	95403	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (29 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
BOB STEELE
CHAIR	1.00	Yes (X)	Yes (X)	$0	$0	$0
JIM OLMSTED
VICE CHAIR	1.00	Yes (X)	Yes (X)	$0	$0	$0
DEBBIE WATTS
TREASURER	1.00	Yes (X)	Yes (X)	$0	$0	$0
LISA WITTKE SCHAFFNER
SECRETARY	1.00	Yes (X)	Yes (X)	$0	$0	$0
DAVE IMOTO
BOARD MEMBER	1.00	Yes (X)		$0	$0	$0
ROD DOLE
BOARD MEMBER	1.00	Yes (X)		$0	$0	$0
GREG MCGUIRK
BOARD MEMBER	1.00	Yes (X)		$0	$0	$0
BOB WIECK
BOARD MEMBER	1.00	Yes (X)		$0	$0	$0
ROBERT EYLER
BOARD MEMBER	1.00	Yes (X)		$0	$0	$0
BRETT MARTINEZ
PRESIDENT/CEO	40.00		Yes (X)	$978,098	$0	$231,938
RONALD FELDER
CHIEF FINANCIAL & RISK OFFICER	40.00		Yes (X)	$658,908	$0	$103,283
ROBIN MCKENZIE LEFT 818
SVP MARKETING & COMMUNICATIONS	40.00			$488,466	$0	$36,404	Yes (X)
ANTHONY E HILDESHEIM
SVP CIO	40.00			$385,259	$0	$150,566	Yes (X)
CYNTHIA NEGRI
COO	40.00			$544,621	$0	$157,817	Yes (X)
KRISTINA DERKOS
SVP PEOPLE	40.00			$499,209	$0	$108,246	Yes (X)
DAVID UPHAM
SVP MEMBER EXPERIENCE	40.00			$245,315	$0	$22,241	Yes (X)
MISHEL KAUFMAN
SVP RISK MANAGEMENT	40.00			$398,804	$0	$76,288	Yes (X)
TODD N LINDEMANN
SVP PAYMENTS	40.00			$258,826	$0	$62,471	Yes (X)
THOMAS HUBERT
AUTO, INS & WEALTH SERVICES	40.00			$345,538	$0	$84,948	Yes (X)
ALISA HEATH
SVP/ACCOUNTING & FINANCE	40.00			$323,438	$0	$48,847	Yes (X)
DIANNA BERTHINIER
SVP LENDING	40.00			$333,897	$0	$74,456	Yes (X)
MATTHEW MARTIN
SVP/COMM AND GOV'T REL	40.00			$229,208	$0	$21,149	Yes (X)
SUZANNE KNOWLTON
SVP/MARKETING & COMMUNICATIONS	40.00			$221,022	$0	$19,938	Yes (X)
KIMBERLY WILLIAMS
SVP/STRATEGY, PROJECTS, CRE	40.00			$237,016	$0	$16,558	Yes (X)
MICHAEL DEFAZIO
FINANCIAL ADVISOR	40.00			$534,630	$0	$7,867		Yes (X)
CHRISTINE FOSTER
WEALTH ADVISOR	40.00			$299,140	$0	$11,142		Yes (X)
JULIE NIX
FINANCIAL ADVISOR	40.00			$406,129	$0	$19,788		Yes (X)
JOHN YBARRA
EXTERNAL MORTGAGE LOAN OFF	40.00			$369,806	$0	$19,305		Yes (X)
CLARK R MATTHIESSEN
FINANCIAL ADVISOR	40.00			$305,681	$0	$12,435		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$8,063,011	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$1,285,687	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	105	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
WESTERN BUILDERS
1400 N DUTTON AVE SUITE 7	SANTA ROSA	CA	95401	GENERAL CONTRACTORS	$2,905,433
INFOLMAGE INC
141 JEFFERSON DR	MENLO PARK	CA	94025	STATEMENTS PROVIDER	$2,292,235
QUEST
PO BOX 910	ROSEVILLE	CA	95678	IT EQUIPMENT AND SUPPORT	$1,451,464
FTSI
PO BOX 919	MONROVIA	CA	91017	ATM EQUIPMENT & MAINTENANCE	$1,391,323
PSCU
560 CARILLON PKWY	ST PETERSBURG	FL	33716	CREDIT CARD PROCESSOR	$1,301,160

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	86	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS TO MEMBERS	522100	$139,416,071	$139,416,071
INTERCHANGE INCOME	522100	$25,634,551	$25,634,551
SERVICE CHARGES AND FEES	522100	$18,309,112	$18,309,112
OTHER NON-INTEREST INCOME	522100	$4,845,408	$4,674,225	$171,183
COMMISSION INCOME FROM INVESTMENT	522100	$4,152,040	$4,152,040

Total Oth Program Service Rev TotalOthProgramServiceRevGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$4,036,381	TotalRevenueColumnAmt
Related Or Exempt Func Income	$4,036,381	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$196,393,563	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$18,849,052	TotalRevenueColumnAmt
Unrelated Business Revenue	$24,131	UnrelatedBusinessRevenueAmt
Exclusion	$18,824,921	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$83,040	RealAmt

Less Rental Expenses LessRentalExpensesGrp

Field	Value	IRS element (for citing)
Real	$0	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$83,040	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$83,040	TotalRevenueColumnAmt
Unrelated Business Revenue	$40,500	UnrelatedBusinessRevenueAmt
Exclusion	$42,540	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$499,803	SecuritiesAmt
Other	$193,738	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$420,740	SecuritiesAmt
Other	$56,521	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$79,063	SecuritiesAmt
Other	$137,217	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$216,280	TotalRevenueColumnAmt
Exclusion	$216,280	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$215,541,935	TotalRevenueColumnAmt
Related Or Exempt Func Income	$196,222,380	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$235,814	UnrelatedBusinessRevenueAmt
Exclusion	$19,083,741	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$3,000,000	TotalAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$13,999,719	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$7,362,773	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$33,411,566	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$2,343,789	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$2,763,976	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$3,162,536	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$395,948	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$269,146	TotalAmt

Fees For Services Lobbying FeesForServicesLobbyingGrp

Field	Value	IRS element (for citing)
Total	$24,900	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$8,948,118	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$4,840,456	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$5,993,824	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$4,507,875	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$1,723,850	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$838,308	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$4,766,224	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
LOAN SERVICING	$14,894,427
CREDIT FOR LOAN LOSSES	$9,483,417
LOSSES AND FRAUD	$3,115,974
MISCELLANEOUS EXPENSES	$1,210,431

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,196,972	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$128,254,229	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$896,128,064	BOYAmt
EOY	$780,584,601	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$16,064,792	BOYAmt
EOY	$14,221,179	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$2,948,681,490	BOYAmt
EOY	$3,476,997,171	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$88,000,604	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$34,505,127	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$49,325,777	BOYAmt
EOY	$53,495,477	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$529,880	BOYAmt
EOY	$451,201	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$20,176,327	BOYAmt
EOY	$20,000,758	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$193,996	BOYAmt
EOY	$86,185	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$99,035,428	BOYAmt
EOY	$108,275,917	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$4,030,135,754	BOYAmt
EOY	$4,454,112,489	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$23,087,608	BOYAmt
EOY	$31,417,158	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$3,553,229,136	BOYAmt
EOY	$3,881,608,903	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$3,576,316,744	BOYAmt
EOY	$3,913,026,061	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	$453,819,010	BOYAmt
EOY	$541,086,428	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$453,819,010	BOYAmt
EOY	$541,086,428	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$4,030,135,754	BOYAmt
EOY	$4,454,112,489	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$87,287,706	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$20,288	NetUnrlzdGainsLossesInvstAmt
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)
Consolidated Basis Fincl Stmt	Yes (X)	ConsolidatedBasisFinclStmtInd

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	$24,900	PoliticalExpendituresAmt
Internal Funds Contributed	$24,900	InternalFundsContributedAmt
Total Exempt Function Expend	$24,900	TotalExemptFunctionExpendAmt
Form1120 POL Filed	Yes (1)	Form1120POLFiledInd

Section527 Political Org Section527PoliticalOrgGrp (3 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	EINEIN	Paid Internal FundsPaidInternalFundsAmt
BILL DODD FOR SENATE 2020
1127 11TH ST STE 606	SACRAMENTO	CA	95814	814405702	$1,000
CALIFORNIA CREDIT UNION LEAGUE PAC
1201 K ST SUITE 1050	SACRAMENTO	CA	95814	942329967	$17,000
MIKE MCGUIRE FOR STATE SENATE 2018
369B THIRD STREET SUITE 652	SAN RAFAEL	CA	94901	463842849	$6,900

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I-A, LINE 1:	FormAndLineReferenceDesc
Explanation	CONTRIBUTIONS TO POLITICAL ORGANIZATIONS	ExplanationTxt

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$13,568,999	OtherCostOrOtherBasisAmt
Book Value	$13,568,999	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$34,390,060	OtherCostOrOtherBasisAmt
Depreciation	$9,291,642	DepreciationAmt
Book Value	$25,098,418	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$9,252,004	OtherCostOrOtherBasisAmt
Depreciation	$5,288,212	DepreciationAmt
Book Value	$3,963,792	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$27,665,050	OtherCostOrOtherBasisAmt
Depreciation	$19,925,273	DepreciationAmt
Book Value	$7,739,777	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,124,491	OtherCostOrOtherBasisAmt
Book Value	$3,124,491	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$53,495,477	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBERS' SHARE AND SAVINGS ACCOUNTS	Desc
Amt	$3,881,608,903	Amt

Field	Value	IRS element (for citing)
Total Liability	$3,881,608,903	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART X, LINE 2:	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION EVALUATED THEIR TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2018 AND 2017.	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	REDWOOD CREDIT UNION COMMUNITY FUND INC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3033 CLEVELAND AVENUE	AddressLine1Txt
City	SANTA ROSA	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	95403	ZIPCd

Field	Value	IRS element (for citing)
Recipient EIN	475084832	RecipientEIN
IRC Section	501(C)(3)	IRCSectionDesc
Cash Grant	$3,000,000	CashGrantAmt
Purpose Of Grant	UNRESTRICTED	PurposeOfGrantTxt

Field	Value	IRS element (for citing)
Total501c3 Org	1	Total501c3OrgCnt
Total Other Org	0	TotalOtherOrgCnt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2:	FormAndLineReferenceDesc
Explanation	NO FORMAL MONITORING PROCEDURES ARE IMPLEMENTED.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Form990 Of Other Organizations	Yes (X)	Form990OfOtherOrganizationsInd
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 (20 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
BRETT MARTINEZ
PRESIDENT/CEO	$649,771	$0	$324,886	$0	$3,441	$0	$210,103	$0	$21,835	$0	$1,210,036	$0	$0	$0
RONALD FELDER
CHIEF FINANCIAL & RISK OFFICER	$420,472	$0	$67,066	$0	$171,370	$0	$96,365	$0	$6,918	$0	$762,191	$0	$171,370	$0
ROBIN MCKENZIE LEFT 818
SVP MARKETING & COMMUNICATIONS	$259,979	$0	$40,925	$0	$187,562	$0	$27,422	$0	$8,982	$0	$524,870	$0	$187,562	$0
ANTHONY E HILDESHEIM
SVP CIO	$333,715	$0	$50,823	$0	$721	$0	$145,462	$0	$5,104	$0	$535,825	$0	$0	$0
CYNTHIA NEGRI
COO	$466,149	$0	$76,120	$0	$2,352	$0	$145,049	$0	$12,768	$0	$702,438	$0	$0	$0
KRISTINA DERKOS
SVP PEOPLE	$294,112	$0	$41,315	$0	$163,782	$0	$91,873	$0	$16,373	$0	$607,455	$0	$163,782	$0
DAVID UPHAM
SVP MEMBER EXPERIENCE	$245,315	$0	$0	$0	$0	$0	$15,408	$0	$6,833	$0	$267,556	$0	$0	$0
MISHEL KAUFMAN
SVP RISK MANAGEMENT	$268,466	$0	$35,735	$0	$94,603	$0	$63,495	$0	$12,793	$0	$475,092	$0	$94,603	$0
TODD N LINDEMANN
SVP PAYMENTS	$229,466	$0	$29,360	$0	$0	$0	$52,905	$0	$9,566	$0	$321,297	$0	$0	$0
THOMAS HUBERT
AUTO, INS & WEALTH SERVICES	$305,344	$0	$40,194	$0	$0	$0	$68,575	$0	$16,373	$0	$430,486	$0	$0	$0
ALISA HEATH
SVP/ACCOUNTING & FINANCE	$289,266	$0	$34,172	$0	$0	$0	$36,469	$0	$12,378	$0	$372,285	$0	$0	$0
DIANNA BERTHINIER
SVP LENDING	$295,339	$0	$38,558	$0	$0	$0	$64,890	$0	$9,566	$0	$408,353	$0	$0	$0
MATTHEW MARTIN
SVP/COMM AND GOV'T REL	$213,034	$0	$16,174	$0	$0	$0	$7,758	$0	$13,391	$0	$250,357	$0	$0	$0
SUZANNE KNOWLTON
SVP/MARKETING & COMMUNICATIONS	$207,646	$0	$13,376	$0	$0	$0	$6,553	$0	$13,385	$0	$240,960	$0	$0	$0
KIMBERLY WILLIAMS
SVP/STRATEGY, PROJECTS, CRE	$224,203	$0	$11,013	$0	$1,800	$0	$16,069	$0	$489	$0	$253,574	$0	$0	$0
MICHAEL DEFAZIO
FINANCIAL ADVISOR	$49,920	$0	$476,448	$0	$8,262	$0	$7,698	$0	$169	$0	$542,497	$0	$0	$0
CHRISTINE FOSTER
WEALTH ADVISOR	$49,920	$0	$249,220	$0	$0	$0	$4,620	$0	$6,522	$0	$310,282	$0	$0	$0
JULIE NIX
FINANCIAL ADVISOR	$49,920	$0	$356,209	$0	$0	$0	$14,815	$0	$4,973	$0	$425,917	$0	$0	$0
JOHN YBARRA
EXTERNAL MORTGAGE LOAN OFF	$40,019	$0	$329,787	$0	$0	$0	$10,149	$0	$9,156	$0	$389,111	$0	$0	$0
CLARK R MATTHIESSEN
FINANCIAL ADVISOR	$49,920	$0	$251,145	$0	$4,616	$0	$5,904	$0	$6,531	$0	$318,116	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc

ExplanationExplanationTxt

PART I, LINE 4B

ALISA HEATH - $27,939 CONTRIBUTION TO 457(F) BRETT MARTINEZ - $201,853 CONTRIBUTION TO 457(F) ANTHONY HILDESHEIM - $140,817 CONTRIBUTION TO 457(F) CYNTHIA NEGRI - $138,512 CONTRIBUTION TO 457(F) DIANNA BERTHINIER - $57,612 CONTRIBUTION TO 457(F) KRISTINA DERKOS - $87,478 CONTRIBUTION TO 457(F) MISHEL KAUFMAN - $59,694 CONTRIBUTION TO 457(F) ROBIN MCKENZIE - $23,052 CONTRIBUTION TO 457(F) RONALD FELDER - $84,681 CONTRIBUTION TO 457(F) THOMAS HUBERT - $59,340 CONTRIBUTION TO 457(F) TODD LINDEMANN - $43,077 CONTRIBUTION TO 457(F) DAVID UPHAM - $11,032 CONTRIBUTION TO 457(F) KIMBERLY WILLIAMS - $10,083 CONTRIBUTION TO 457(F) JULIE NIX - $4,901 CONTRIBUTION TO 457(F) CLARK MATTHIESSEN - $2,029 CONTRIBUTION TO 457(F) RONALD FELDER - $171,370 DISTRIBUTION FROM 457(F) ROBIN MCKENZIE - $187,562 DISTRIBUTION FROM 457(F) KRISTINA DERKOS - $163,782 DISTRIBUTION FROM 457(F) MISHEL KAUFMAN - $94,603 DISTRIBUTION FROM 457(F)

PART I, LINE 4B

SPLIT DOLLAR LIFE INSURANCE POLICY: THE CREDIT UNION HAS GRANTED NOTES RECEIVABLE FOR LIFE INSURANCE PREMIUM PAYMENTS TO SELECT SENIOR MANAGEMENT PERSONNEL. THE NOTES ARE COLLATERALIZED BY THE ASSIGNMENT OF THE POLICY DEATH BENEFITS AND CASH VALUES, OF EACH RESPECTIVE LIFE INSURANCE POLICY. THE POLICIES ARE OWNED BY THE EXECUTIVE(S) WHO HAVE SOLE CONTROL OVER THE LISTED BENEFICIARIES FOR AMOUNTS NOT SECURED BY THE ASSIGNMENTS. AT THE TIME OF RETIREMENT, THE NOTE BECOMES DUE AND PAYABLE AND CAN BE PAID WITH THE CASH VALUE OF THE LIFE INSURANCE POLICIES, OR WITH OTHER PERSONAL FUNDS AT THE EXECUTIVE'S DISCRETION. THE LOANS ARE CONSIDERED NON-RECOURSE AND AS SUCH, THE CREDIT UNION HAS RECORDED THE BALANCE AS THE LOWER OF THE OUTSTANDING LOAN BALANCE, PLUS ACCRUED INTEREST, OR THE CASH SURRENDER VALUE OF THE LIFE INSURANCE POLICIES.

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp

Field	Value	IRS element (for citing)
Person	BRETT MARTINEZ	PersonNm
Relationship With Org	PRESIDENT/ CEO	RelationshipWithOrgTxt
Loan Purpose	TO FUND SPLIT DOLLAR PLAN INSURANCE POLICY	LoanPurposeTxt
Loan From Organization	Yes (X)	LoanFromOrganizationInd
Original Principal	$15,706,866	OriginalPrincipalAmt
Balance Due	$14,221,179	BalanceDueAmt
Default	0	DefaultInd
Board Or Committee Approval	Yes (1)	BoardOrCommitteeApprovalInd
Written Agreement	Yes (1)	WrittenAgreementInd

Field	Value	IRS element (for citing)
Total Balance Due	$14,221,179	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (7 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 4	THE BYLAWS WERE UPDATED AS FOLLOWS: ARTICLE 3 - MEMBERSHIP, SECTION 4(B) ADMISSION TO MEMBERSHIP: REMOVED THE REQUIREMENT TO PROVIDE THE BOARD A QUARTERLY MEMBERSHIP REPORT. SUCH REPORT IS NO LONGER REQUIRED BY LAW. ARTICLE 6 - BOARD OF DIRECTORS, SECTION 5 MEETINGS: REVISED THE BOARD MEETING FREQUENCY TO REMOVE A STRICT MONTHLY REQUIREMENT, AND INSTEAD REQUIRE BOARD MEETINGS AT LEAST QUARTERLY. ARTICLE 8 - SUPERVISORY COMMITTEE, SECTION 9 AUDIT COMMITTEE: THIS SECTION IS ADDED TO PERMIT THE BOARD TO, BY RESOLUTION THAT MUST BE AFFIRMED BY THE MEMBERSHIP, APPOINT AN AUDIT COMMITTEE IN LIEU OF A SUPERVISORY COMMITTEE. ARTICLE 9 - CREDIT MANAGER, SECTION 4(C) - TERMS FOR APPROVING OBLIGATIONS WITH CREDIT UNION MEMBERS: REVISED SECTION TO REMOVE THE PROVISION PERMITTING LOANS TO NON-NATURAL PERSONS IN EXCESS OF THEIR DEPOSITS. ARTICLE 9 - CREDIT MANAGER, SECTION 9 LOANS TO NON-NATURAL MEMBERS: DELETED SECTION PERMITTING LOANS TO NON-NATURAL PERSONS IN EXCESS OF THEIR DEPOSITS. ARTICLE 11 - DEPOSIT AND INVESTMENT OF FUNDS, SECTION 4 APPLICATION: DELETED SECTION SPECIFICALLY REQUIRING THE CREDIT UNION TO OBTAIN A WRITTEN LOAN APPLICATION. ARTICLE 3 - MEMBERSHIP, SECTION 1 QUALIFICATIONS: REVISED SECTION TO DELETE REFERENCES TO ENTITIES PREVIOUSLY ACQUIRED THROUGH MERGERS OR APPROVED BY THE DBO. WE MAINTAIN OUR DOCUMENTATION OF THESE FIELDS OF MEMBERSHIP THROUGH OPERATIONAL PROCESSES. ARTICLE 3 - MEMBERSHIP, SECTION 6 WITHDRAWAL: REVISED SECTION TO CLARIFY WHAT ACTIONS ARE REQUIRED FOR A MEMBER TO BE CONSIDERED TO HAVE WITHDRAWN FROM MEMBERSHIP. ARTICLE 3 - MEMBERSHIP, SECTION 7 EXPULSION: REVISED SECTION TO REMOVE INACTIVITY (I.E. MAINTAINING NO PRODUCTS OR SERVICES) AS A CAUSE FOR EXPULSION. ARTICLE 3 - MEMBERSHIP, SECTION 8 PROCEDURE FOR EXPULSION OF A MEMBER: REVISED EXPULSION RULES TO SIMPLIFY THE PROCESS AND ELIMINATE UNNECESSARY PROCESSES THAT HAVE BEEN A BARRIER IN THE PAST TO RCU IMPLEMENTING AN EXPULSION PROCESS FOR MEMBERS VIOLATE THEIR AGREEMENTS WITH THE CREDIT UNION. CHANGES INCLUDE: - MEMBER'S RIGHT TO BE HEARD HAD BEEN REVISED TO A WRITTEN STATEMENT TO THE BOARD, RATHER THAN A RIGHT TO APPEAR IN PERSON; - THE EXPULSION NOTICE NO LONGER REQUIRES LISTING THE SPECIFIC TIME AND LOCATION OF THE BOARD MEETING IN WHICH EXPULSION WILL BE CONSIDERED; AND - THE EXPULSION NOTICE WILL NO LONGER SPECIFICALLY INFORM MEMBERS OF THEIR ABILITY TO APPEAL EXPULSION TO A VOTE OF THE MEMBERSHIP. MEMBERS STILL HAVE SUCH A RIGHT, BUT IT WOULD NOT BE REQUIRED TO BE LISTED IN THE NOTICE. ARTICLE 4 - MEETING OF MEMBERS, SECTION 10 ORDER OF BUSINESS: REVISED SECTION TO ADDRESS MANNER OF CONDUCTING MEETINGS. ARTICLE 4 - MEETING OF MEMBERS, SECTION 11 ROBERT'S RULES OF ORDER: SECTION DELETED AND COMBINED WITH SECTION 10 ABOVE. ARTICLE 15 - GENERAL, SECTION 5 RECORDS: REVISED SECTION TO CLARIFY THAT THE CREDIT UNIONS VARIOUS ORGANIZATION PAPERS CAN BE MAINTAINED WITH OFFICIAL CORPORATE RECORDS RATHER THAN SPECIFICALLY IN A "MINUTE BOOK". ARTICLE 15 - GENERAL, SECTION 6 RECORDS OPEN TO INSPECTION: REMOVED THE REQUIREMENT TO REQUIRE ACCESS TO MEMBER NAMES AND ADDRESSES FOR CANDIDATES IN A CONTESTED ELECTION, AND INSTEAD GRANTING MEMBERS ANY RIGHTS GIVEN UNDER CALIFORNIA LAW.
FORM 990, PART VI, SECTION A, LINE 6	PARTICIPATION IN THIS CREDIT UNION IS LIMITED TO THOSE WHO QUALIFY FOR MEMBERSHIP AS DEFINED IN THE CREDIT UNION'S CHARTER AND BYLAWS. THIS GENERALLY CONSISTS OF INDIVIDUALS (AND THEIR BUSINESSES) THAT RESIDE IN OR ARE EMPLOYED IN SONOMA COUNTY AND SURROUNDING COUNTIES IN NORTHERN CALIFORNIA.
FORM 990, PART VI, SECTION A, LINE 7A	ORGANIZATION IS A CREDIT UNION AND THE MEMBERS ELECT THE BOARD OF DIRECTORS.
FORM 990, PART VI, SECTION B, LINE 11B	FORM 990 WILL BE COMPLETED AND REVIEWED BY THE CONTROLLER, SVP ADMINISTRATIVE SERVICES, CFO, AND PRESIDENT/CEO BEFORE IT IS FILED.
FORM 990, PART VI, SECTION B, LINE 12C	VOLUNTEERS MUST DISCLOSE TO THE BOARD OF DIRECTORS ANNUALLY ANY INVOLVEMENT WITH ORGANIZATIONS WHICH DO BUSINESS WITH THE CREDIT UNION. CREDIT UNION SENIOR MANAGEMENT SIGNS A DISCLOSURE ANNUALLY PER POLICY.
FORM 990, PART VI, SECTION B, LINE 15A	COMPENSATION OF THE CEO IS APPROVED BY THE BOARD OF DIRECTORS AFTER THE COMPENSATION COMMITTEE GATHERS DATA FROM OUTSIDE SOURCES AND REVIEWS SURVEY AND OTHER DATA. FOR OTHER OFFICERS AND KEY EMPLOYEES, THIRD PARTY DATA IS USED TO ADJUST THE COMPENSATION TO MARKET DATA. ALL OF THE JOBS ARE GRADED, AND IN EACH GRADE, THERE IS A FLOOR, CEILING AND MARKET.
FORM 990, PART VI, SECTION C, LINE 19	QUARTERLY INCOME STATEMENTS ARE POSTED AT EACH BRANCH. ANNUAL FINANCIALS AND ANNUAL REPORT ARE AVAILABLE ON THE COMPANY'S WEBSITE.

Schedule R IRS990ScheduleR

Id Related Tax Exempt Org IdRelatedTaxExemptOrgGrp

Disregarded Entity Name DisregardedEntityName

Field	Value	IRS element (for citing)
Business Name Line1	REDWOOD CREDIT UNION COMMUNITY FUND INC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3033 CLEVELAND AVENUE	AddressLine1Txt
City	SANTA ROSA	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	95403	ZIPCd

Field	Value	IRS element (for citing)
EIN	475084832	EIN
Primary Activities	ADVANCING WELL-BEING OF THE COMMUNITY	PrimaryActivitiesTxt
Legal Domicile State	CA	LegalDomicileStateCd
Exempt Code Section	501(C)(3)	ExemptCodeSectionTxt
Public Charity Status	7	PublicCharityStatusTxt

Direct Controlling Entity Name DirectControllingEntityName

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

Field	Value	IRS element (for citing)
Controlled Organization	Yes (1)	ControlledOrganizationInd

Id Related Org Txbl Corp Tr IdRelatedOrgTxblCorpTrGrp

Related Organization Name RelatedOrganizationName

Field	Value	IRS element (for citing)
Business Name Line1	RCU SERVICES GROUP INC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3303 CLEVELAND AVE SUITE 100	AddressLine1Txt
City	SANTA ROSA	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	95404	ZIPCd

Field	Value	IRS element (for citing)
EIN	680465274	EIN
Primary Activities	INSURANCE AND AUTO SERVICES	PrimaryActivitiesTxt
Legal Domicile State	CA	LegalDomicileStateCd

Direct Controlling Entity Name DirectControllingEntityName

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

Field	Value	IRS element (for citing)
Entity Type	C	EntityTypeTxt
Share Of Total Income	$4,327,212	ShareOfTotalIncomeAmt
Share Of EOY Assets	$5,666,148	ShareOfEOYAssetsAmt
Ownership	1.00000	OwnershipPct
Controlled Organization	Yes (1)	ControlledOrganizationInd

Field	Value	IRS element (for citing)
Receipt Of Int Annts Rnts Rylts	Yes (1)	ReceiptOfIntAnntsRntsRyltsInd
Gift Grnt Or Cap Contri To Oth Org	Yes (1)	GiftGrntOrCapContriToOthOrgInd
Gift Grnt Cap Contri From Oth Org	0	GiftGrntCapContriFromOthOrgInd
Loans Or Guarantees To Other Org	Yes (1)	LoansOrGuaranteesToOtherOrgInd
Loans Or Guarantees From Oth Org	0	LoansOrGuaranteesFromOthOrgInd
Div Related Organization	0	DivRelatedOrganizationInd
Asset Sale To Other Org	0	AssetSaleToOtherOrgInd
Asset Purchase From Other Org	0	AssetPurchaseFromOtherOrgInd
Asset Exchange	0	AssetExchangeInd
Rental Of Facilities To Oth Org	0	RentalOfFacilitiesToOthOrgInd
Rental Of Fclts From Oth Org	0	RentalOfFcltsFromOthOrgInd
Perform Of Services For Oth Org	Yes (1)	PerformOfServicesForOthOrgInd
Perform Of Services By Other Org	0	PerformOfServicesByOtherOrgInd
Sharing Of Facilities	0	SharingOfFacilitiesInd
Paid Employees Sharing	0	PaidEmployeesSharingInd
Reimbursement Paid To Other Org	Yes (1)	ReimbursementPaidToOtherOrgInd
Reimbursement Paid By Other Org	Yes (1)	ReimbursementPaidByOtherOrgInd
Transfer To Other Org	0	TransferToOtherOrgInd
Transfer From Other Org	0	TransferFromOtherOrgInd

Transactions Related Org TransactionsRelatedOrgGrp (7 entries)

Transaction TypeTransactionTypeTxt	InvolvedInvolvedAmt	Method Of Amount DeterminationMethodOfAmountDeterminationTxt
RCU SERVICES GROUP INC
A	$64,631	CASH
RCU COMMUNITY FUND INC
B	$3,000,000	CASH
RCU SERVICES GROUP INC
D	$814,000	12/31/18 LOAN BALANCE
RCU SERVICES GROUP INC
L	$294,526	CASH
RCU SERVICES GROUP INC
P	$76,066	CASH
RCU SERVICES GROUP INC
Q	$3,337,105	CASH
RCU COMMUNITY FUND INC
Q	$147,054	CASH