2018-11-05T18:19:15-06:00 2017-12-31 410746749 CLIFTONLARSONALLEN LLP 20 E THOMAS RD STE 2300 PHOENIX AZ 85012 990 2017-01-01 941664405 SAFEAMERICA CREDIT UNION SAFE 9258478316 6001 GIBRALTAR DRIVE PLEASANTON CA 94588 CHUCK DUNBAR V.P. FINANCE 9258478316 2018-10-29 1 MARY C GREEN P00447183 6022662248 67.137.57.251 2018-10-29 14:23:45 US P 1077EB9958D5DD63DCC9A041D91A03A1385CD1BC 1EAAFF4BCC13BBD0B29B7E526B13DD685C615F06 2017 2019-02-21 02:37:17Z TOM GRAVES 6001 GIBRALTAR DRIVE PLEASANTON CA 94588 18269117 0 X WWW.SAFEAMERICA.COM X 1953 CA PROVIDE SUPERIOR PERSONAL SERVICE AND ATTRACTIVE FINANCIAL PRODUCTS TO MEMBERS. 10 10 104 10 8162 -337700 0 0 18019230 18105165 621 163952 0 0 18019851 18269117 0 0 1945486 2541378 7122378 6965983 0 0 0 7743853 8398263 16811717 17905624 1208134 363493 436155237 419559388 407115007 388257622 29040230 31301766 WE ARE DEDICATED TO SERVING THE MEMBERS' BEST INTEREST, TO PROVIDE VALUE RELATIVE TO COST, AND TO EARN THEIR TRUST AND CONFIDENCE BY OPERATING IN AN ETHICAL AND FINANCIALLY SOUND MANNER. 0 0 THE CREDIT UNION PROVIDES DRAFT AND SHARE ACCOUNTS, CONSUMER LOANS, SHARE CERTIFICATES AND OTHER EXEMPT FUNCTION ACTIVITIES TO ITS MEMBERS. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 6077 0 104 1 1 1 0 0 0 0 0 X 10 10 0 0 0 0 1 1 0 1 0 0 1 1 1 1 1 1 1 1 1 1 0 CA X CHUCK DUNBAR 9258478316 6001 GIBRALTAR DRIVE PLEASANTON CA 94588 FRANK ZAMPELLA CHAIRMAN 1.00 X X 0 0 0 JASON CHANG 1ST VICE CHAIR 1.00 X X 0 0 0 BRIAN SCHULTZ EXECUTIVE VICE CHAIR 1.00 X X 0 0 0 SUSAN WALLS SECRETARY 1.00 X X 0 0 0 JEFF JOSEPH COORDINATOR SUPERVISORY 1.00 X X 0 0 0 CLIFF BOEHRER BOARD MEMBER 1.00 X 0 0 0 DIANE BAILEY BOARD MEMBER 1.00 X 0 0 0 PATTY CARLSON BOARD MEMBER 1.00 X 0 0 0 CARMINE PERRELLI BOARD MEMBER 1.00 X 0 0 0 TRACY THAMES BOARD MEMBER 1.00 X 0 0 0 TOM GRAVES PRESIDENT & CEO 40.00 X 115165 0 5454 BARRY ROACH PRESIDENT & CEO (RESIGNED 1/17) 40.00 X 17676 0 1128 CHUCK DUNBAR VP OF FINANCE 40.00 X 162633 0 29941 CANDY DAVIS VP OF COMPLIANCE & OPERATIONS 40.00 X 150538 0 22106 JOHN GRACYALNY VP OF IT 40.00 X 157458 0 34063 MATTHEW BENIDT VP OF RETAIL BANKING 40.00 X 136205 0 24135 AMRITA PRASAD VP OF LENDING & COLLECTIONS 40.00 X 134893 0 29568 STEVEN PAGE VP OF MARKETING 40.00 X 129987 0 15865 1004555 0 162260 7 0 1 0 FISERV PO BOX 80123 CITY OF INDUSTRY CA 91716 DEBIT AND CREDIT CARD PROCESSING 227561 KASASA PO BOX 527 LUBBOCK TX 79408 SHARE CHECKING REWARD 185657 CORELATION INC 2305 HISTORIC DECATUR RD STE 300 SAN DIEGO CA 92106 COMPUTER CONSULTING 183952 MERIDIANLINK 1600 SUNFLOWER AVE STE 200 COSTA MESA CA 92626 LOAN SPQ 123996 4 INTEREST FROM MEMBERS 522100 14839765 14839765 FEES AND CHARGES 522100 1970236 1962074 8162 SALE OF LOANS 522100 579151 579151 OTHER OPERATING INCOME 522100 561890 561890 INSURANCE COMMISSIONS 522100 154123 154123 18105165 163952 163952 18269117 18097003 8162 163952 2541378 504641 4655633 328337 1031835 445537 46112 175689 440283 266986 729952 278552 1064205 303949 38627 388210 127855 PROVISION FOR LOAN LOSS 1786209 OPERATING EXPENSES 1233049 DEBIT AND CREDIT CARD E 1092131 COLLECTIONS AND CREDIT 290592 135862 17905624 14193775 6012319 725 21983362 9704955 293875 387175274 357962464 3046820 886070 17937117 9830058 8450337 8107059 2096400 9600004 75600 50400 11411351 14663835 436155237 419559388 2933410 3591544 28379468 375802129 384666078 407115007 388257622 X 0 0 0 0 29040230 31301766 29040230 31301766 436155237 419559388 363493 1898043 0 X X 0 0 0 2762915 2762915 4562620 1769418 2793202 2966924 2153722 813202 7644658 5906918 1737740 8107059 DEFERRED COMPENSATION PLAN 390687 MEMBERS SHARE ACCOUNTS 384275391 384666078 X 1 1 X X X 0 0 0 CHUCK DUNBAR VP OF FINANCE 143033 0 13000 0 6600 0 9959 0 19982 0 192574 0 0 0 CANDY DAVIS VP OF COMPLIANCE & OPERATIONS 134238 0 13000 0 3300 0 11115 0 10991 0 172644 0 0 0 JOHN GRACYALNY VP OF IT 137858 0 13000 0 6600 0 16762 0 17301 0 191521 0 0 0 MATTHEW BENIDT VP OF RETAIL BANKING 121405 0 14800 0 0 0 13471 0 10664 0 160340 0 0 0 AMRITA PRASAD VP OF LENDING & COLLECTIONS 121893 0 13000 0 0 0 8610 0 20958 0 164461 0 0 0 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 EMPLOYEES WITH THE NORTHERN CALIFORNIA DIVISION AND CORPORATE OFFICES OF SAFEWAY, INC.; EMPLOYEES OF GENENTECH, A SUBSIDIARY OF ROCHE INC.; AND ANYONE WHO LIVES, WORKS, ATTENDS SCHOOL OR WORSHIPS IN THE COUNTIES OF SAN MATEO, ALAMEDA, CONTRA COSTA, AND SANTA CLARA, CALIFORNIA. IN ADDITION TO A REGULARLY QUALIFIED MEMBER, THE SPOUSE OF A MEMBER, THE BLOOD OR ADOPTIVE RELATIVES OF EITHER OF THEM AND THEIR SPOUSES MAY BE MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE BOARD OF DIRECTORS ARE ELECTED BY THE MEMBERSHIP. FORM 990, PART VI, SECTION A, LINE 8B THERE IS NO COMMITTEE THAT HAS AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11B THE RETURN IS AVAILABLE TO BOARD MEMBERS FOR REVIEW. FORM 990, PART VI, SECTION B, LINE 12C AS SOON AS AN EMPLOYEE OR VOLUNTEER OFFICIAL BECOMES AWARE OF A CONFLICT OF INTEREST, THE MATTER SHOULD BE REPORTED IN WRITING. EMPLOYEES OTHER THAN THE CHIEF EXECUTIVE OFFICER REPORT TO THEIR IMMEDIATE SUPERVISORS. THE CHIEF EXECUTIVE OFFICER OR A VOLUNTEER OFFICIAL REPORTS TO THE BOARD OF DIRECTORS. REPORTS SHOULD BE MADE AS SOON AS THE EMPLOYEE OR VOLUNTEER OFFICIAL BECOMES AWARE OF FACTS OR CIRCUMSTANCES THAT CREATE AN ACTUAL OR APPARENT CONFLICT OF INTEREST. EMPLOYEE'S AND VOLUNTEER'S RESPONSIBILITY TO NOTIFY HUMAN RESOURCES OF ANY PERSONAL CIRCUMSTANCES THAT MIGHT PRESENT A CONFLICT OF INTEREST IN TERMS OF THE POLICY. CONFLICTS WITH THE POLICY WILL BE HANDLED ON A CASE-BY-CASE BASIS. IN EACH INSTANCE, HUMAN RESOURCES AND MANAGEMENT WILL DETERMINE WHETHER A TRANSFER OR SOME OTHER ACCOMMODATION CAN BE ARRANGED, OR WHETHER ONE OF THE EMPLOYEES WILL HAVE TO RESIGN OR BE DISMISSED. FORM 990, PART VI, SECTION B, LINE 15 CEO COMPENSATION IS DECIDED ON BY THE BOARD OF DIRECTORS WITH HELP FROM THE VP OF HUMAN RESOURCES. KEY EMPLOYEES COMPENSATION IS DECIDED BY THE CEO AND VP OF HUMAN RESOURCES. COMPARATIVE DATA IS USED IN THIS PROCESS. FORM 990, PART VI, SECTION C, LINE 19 THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. FORM 990, PART XII, LINE 2C: THE SUPERVISORY COMMITTEE ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDITED FINANCIAL STATEMENTS. THERE HAS BEEN NO CHANGE IN EITHER THE OVERSIGHT PROCESS OR THE SELECTION PROCESS.