2018-11-09T19:22:52-06:00 2017-12-31 954083485 TURNER WARREN HWANG & CONRAD ACCTCY 100 NORTH FIRST ST STE 202 BURBANK CA 91502 990 2017-01-01 941243656 ALLIANCE CREDIT UNION ALLI 4082657322 3315 ALMADEN EXPRESSWAY NO 55 SAN JOSE CA 951181557 BRIAN DORCY PRESIDENT/CEO 4082657322 2018-11-01 1 VALENTINO CREUS CPA P01054153 8189549700 24.176.202.186 2018-11-01 13:50:14 PD P F1F003A2A7C761FE37D10E00B261E5E1C6591A3D EAB9806DEF4238CAE74313C6CC2BD34B53E62B85 2017 2019-02-21 02:37:17Z BRIAN DORCY 3315 ALMADEN EXPRESSWAY NO 55 SAN JOSE CA 951181557 23086777 0 X WWW.ALLIANCECU.ORG X CREDIT UNION 1952 CA A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. 9 9 118 13 114751 -59078 0 0 19522883 21826244 964812 444424 372473 354242 20860168 22624910 0 0 0 0 7679066 8393117 0 0 0 11745941 12358532 19425007 20751649 1435161 1873261 422029625 475923777 388120101 440094821 33909524 35828956 X ALLIANCE CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, ALLIANCE CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. 0 0 ACHIEVEMENT OF SATISFACTORY SERVICES PROVIDED TO MEMBERS IN CONNECTION WITH CONSUMER LOANS, I.E., AUTO LOANS, VISA AND PERSONAL LINES OF CREDIT. ACCOMPLISHMENT OF TARGET GOALS IN CONNECTION WITH PROVISION OF MORTGAGE LOAN PRODUCTS TO EXISTING MEMBERS. MEMBER SATISFACTION IN CONNECTION WITH SERVICES PERTAINING TO CHECKING/SAVINGS ACCOUNTS, ATTRACTIVE CD RATES, IRA AND SIMILAR ACCOUNTS. 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 1 0 0 0 1 9055 0 1 118 1 1 1 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 1 1 1 1 0 0 1 1 1 1 0 CA X X BRIAN DORCY PRESIDENTCEO 4089795150 3315 ALMADEN EXPRESSWAY SUITE 55 SAN JOSE CA 951181557 SURYA TURAGA CHAIRPERSON 1.00 X 0 0 0 DONNA RHODY VICE CHAIRPERSON 1.00 X 0 0 0 RALPH FINELLI SECRETARY 1.00 X 0 0 0 BARBARA ALUMBAUGH DIRECTOR 1.00 X 0 0 0 CHRISTOPHER EKREN DIRECTOR 1.00 X 0 0 0 MARK HANSON DIRECTOR 1.00 X 0 0 0 ALAN RABY DIRECTOR 1.00 X 0 0 0 MIKE KIERNAN DIRECTOR 1.00 X 0 0 0 ALAN HANSEN DIRECTOR 1.00 X 0 0 0 DEVIN MCALPINE SUPV CMTE CHAIR 1.00 X 0 0 0 LAURA GOLDING SUPV CMTE MEMBER 1.00 X 0 0 0 BANSAL DEEPJA SUPV CMTE MEMBER 1.00 X 0 0 0 MIKE UHRI SUPV CMTE MEMBER 1.00 X 0 0 0 BRIAN DORCY CEO 50.00 X 331249 0 24252 JIM DELYEA SVP OPERATIONS 50.00 X 213895 0 16727 DEBORAH SUNDERMAN SVP LENDING 50.00 X 213519 0 12271 KEVIN ALSUP SVP IT 50.00 X 197353 0 17654 PATRICIA ELLINGSON VP LENDING 50.00 X 151720 0 19538 TIM FURLONG VP FINANCE 50.00 X 140520 0 15347 1248256 0 105789 16 0 1 0 FISERV 255 FISERV DRIVE BROOKEFIELD WI 53045 SOFTWARE SERVICES 1079628 RAMI CONSTRUCTION INC PO BOX 1060 MILLBRAE CA 94030 CONSTRUCTION SERVICES 740633 PSCU FINANCIAL SERVICES INC 560 CARILLON PARKWAY ST PETERSBURG FL 33716 FINANCIAL SERVICES 584233 DIGITAL INSIGHT INC PO BOX 515306 LOS ANGELES CA 90051 SOFTWARE SERVICES 442980 DANIELS & DANIELS CONSTRUCTION CO INC 178 NC HWY 111 SOUTH GOLDSBORO NC 27534 CONSTRUCTION SERVICES 442090 9 INTEREST ON LOANS 522100 14934950 14934950 OTHER OPERATING INCOME 522100 3812004 3740222 71782 FEE INCOME 522100 3079290 3036321 42969 21826244 392557 392557 230105 283629 220596 241271 9509 42358 51867 51867 OTHER NON-OPERATING INCOME 522100 354242 354242 354242 22624910 22510159 114751 0 1248256 5608595 211777 717942 606547 28959 195871 512970 577302 2528625 1527347 979076 306143 1130963 1145100 49628 PROV FOR LOAN LOSSES 2275435 LOAN SERVICING 827147 MISC. OPERATING EXPENSE 229988 OPERATING FEES 43978 20751649 5454828 4962194 22890645 50580421 698315 992751 1289253 1769083 22955596 9587013 11637197 13368583 17319687 11122338 358522524 389537786 4635 4635 4212541 3585986 422029625 475923777 3664073 3451700 384456028 436643121 388120101 440094821 X 0 0 0 0 33909524 35828956 33909524 35828956 422029625 475923777 1873261 46171 0 X X 0 1 X 1 0 3000 3000 3000 1 CCUL-PAC 1201 K STREET 1050 SACRAMENTO CA 95814 940357265 3000 3943248 3943248 12565010 6505652 6059358 277068 162424 114644 6170270 2918937 3251333 13368583 ALL OTHER INVESTMENTS 1633600 F NET LOANS & LEASES 384082678 F NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT 3815276 C PAID IN CAPITAL AT CORP 6232 C 389537786 TOTAL SHARES & DEPOSITS 436643121 436643121 X PART X, LINE 2: FASB ASC 740-10-65, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE 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 DEEMED TO NOT MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEAR ENDED JUNE 30, 2017, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. FOR THE YEAR ENDED JUNE 30, 2017, THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS AND, ACCORDINGLY, HAS NOT RECORDED A LIABILITY FOR THE PAYMENT OF INTEREST OR PENALTIES. X X 0 0 0 BRIAN DORCY CEO 274222 0 54550 0 2477 0 16478 0 7774 0 355501 0 0 0 JIM DELYEA SVP OPERATIONS 195785 0 17216 0 894 0 8953 0 7774 0 230622 0 0 0 DEBORAH SUNDERMAN SVP LENDING 195589 0 17578 0 352 0 9850 0 2421 0 225790 0 0 0 KEVIN ALSUP SVP IT 180041 0 16779 0 533 0 9880 0 7774 0 215007 0 0 0 PATRICIA ELLINGSON VP LENDING 137753 0 12827 0 1140 0 0 0 19538 0 171258 0 0 0 TIM FURLONG VP FINANCE 130846 0 9396 0 278 0 7573 0 7774 0 155867 0 0 0 BRIAN DORCY OFFICER VISA X 20000 267 0 0 1 DEBORAH SUNDERMAN HIGHLY COMPENSATED EMPLOYEE VISA X 30000 14701 0 0 1 BARBARA ALUMBAUGH DIRECTOR HELOC X 45000 61941 0 1 1 BRIAN DORCY OFFICER NEW AUTO X 53973 27535 0 0 1 DEBORAH SUNDERMAN HIGHLY COMPENSATED EMPLOYEE MORTGAGE LOAN X 613000 592429 0 0 1 DEBORAH SUNDERMAN HIGHLY COMPENSATED EMPLOYEE HELOC X 39000 23423 0 0 1 KEVIN ALSUP HIGHLY COMPENSATED EMPLOYEE MORTGAGE LOAN X 280330 272455 0 0 1 992751 FORM 990, PART VI, SECTION A, LINE 6 ALLIANCE CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS, AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. THE CREDIT UNION DOES NOT HAVE STOCKHOLDERS. FORM 990, PART VI, SECTION A, LINE 7A THE GOVERNING BOARD OF ALLIANCE CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY OUR BY-LAWS. FORM 990, PART VI, SECTION A, LINE 7B AT THE END OF EACH TERM OF THE BOARD MEMBERS, ELECTIONS ARE HELD AND BOARD MEMBERS ARE VOTED BY THE MEMBERS OF THE CREDIT UNION PURSUANT TO ITS BY-LAWS. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION. FORM 990, PART VI, SECTION B, LINE 11B PRIOR TO FILING, THE RETURN IS REVIEWED BY THE VP OF FINANCE AND THEN MADE AVAILABLE TO THE BOARD MEMBERS FOR REVIEW. AFTER THEIR REVIEW, BOARD MEMBERS ARE GIVEN THE OPPORTUNITY TO MAKE COMMENTS OR REVISIONS. FORM 990, PART VI, SECTION B, LINE 15 A SALARY ANALYSIS IS PERFORMED FOR THE CEO, OFFICERS AND OTHER SENIOR MANAGEMENT OF THE CREDIT UNION BY AN INDEPENDENT OUTSIDE SERVICE USING DATA FROM SEVERAL SALARY SURVEYS PERFORMED FOR BANK AND CREDIT UNION PROFESSIONAL ASSOCIATIONS AND BY OTHER NATIONAL COMPENSATION ANALYSIS SERVICES. BASED ON THE DATA THEY COMPILE FROM THESE SOURCES, THEY MAKE RECOMMENDATIONS FOR THE SALARY RANGE FOR EACH POSITION PROVIDING THE DATA USED TO MAKE THEIR DETERMINATION. THE BOARD OF DIRECTORS REVIEWS THIS INFORMATION FOR THE CEO BEFORE MAKING A FINAL SALARY DECISION WHICH IS DOCUMENTED IN THE MINUTES OF THEIR MEETING. FOR OTHER OFFICERS AND SENIOR MANAGEMENT, THE INFORMATION IS REVIEWED BY THE CEO AND THE V.P. OF HUMAN RESOURCES BEFORE FINALIZING RANGES, AND COPIES OF THE SURVEY DATA ARE KEPT IN THE FILES OF THE HUMAN RESOURCES DEPARTMENT. FORM 990, PART VI, SECTION C, LINE 19 COPIES OF BOARD OF DIRECTOR DOCUMENTS, POLICIES AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART XI, LINE 2C: THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR ITS SELECTION PROCESS DURING THE TAX YEAR. ALLIANCELINK INSURANCE SERVICES LLC 3315 ALMADEN EXPRESSWAY STE 55 SAN JOSE CA 95118 812748495 INSURANCE SALES CA 9374 121161 ALLIANCE CREDIT UNION