COASTHILLS CREDIT UNION: Form 990, tax year 2014

View the entire original 990 at ProPublica ↗

Organization: COASTHILLS CREDIT UNION (EIN 95-2015359)
Tax period: 2014-07-29 to 2014-12-31
Filed: 2015-11-19
IRS object ID: 201523239349300532
Schema version: 2014v5.0
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 J
Schedule L
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2015-11-19T15:25:41-06:00	ReturnTs
Tax Period End	2014-12-31	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	2014-07-29	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	952015359	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	COAS	BusinessNameControlTxt
Phone	8057337640	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3880 CONSTELLATION ROAD	AddressLine1Txt
City	LOMPOC	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	93436	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	MARTY CHATHAM	PersonNm
Person Title	CFO/SVP	PersonTitleTxt
Phone	8057337640	PhoneNum
Signature	2015-11-19	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	JANIS ISAACSON	PreparerPersonNm
PTIN	P00089104	PTIN
Phone	6022662248	PhoneNum

Field	Value	IRS element (for citing)
Tax	2014	TaxYr
Build TS	2016-03-07 17:11:31Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Initial Return	Yes (X)	InitialReturnInd
Principal Officer	JEFFREY C YORK	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3880 CONSTELLATION ROAD	AddressLine1Txt
City	LOMPOC	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	93436	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$21,579,844	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.COASTHILLS.COOP	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1958	FormationYr
Legal Domicile State	CA	LegalDomicileStateCd
Activity Or Mission	IT IS THE MISSION OF COASTHILLS CREDIT UNION TO SERVE MEMBERS WITH FINANCIAL PRODUCTS AND SUPERIOR CUSTOMER SERVICE TO HELP THEM ACHEIVE THEIR FINANCIAL GOALS.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	240	TotalEmployeeCnt
Total Volunteers	14	TotalVolunteersCnt
Total Gross UBI	$76,140	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$129,148	NetUnrelatedBusTxblIncmAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
CY Program Service Revenue	$20,829,042	CYProgramServiceRevenueAmt
CY Investment Income	$419,167	CYInvestmentIncomeAmt
CY Other Revenue	$0	CYOtherRevenueAmt
CY Total Revenue	$21,248,209	CYTotalRevenueAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
CY Salaries Comp Emp Bnft Paid	$7,073,863	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
CY Other Expenses	$9,852,190	CYOtherExpensesAmt
CY Total Expenses	$16,926,053	CYTotalExpensesAmt
CY Revenues Less Expenses	$4,322,156	CYRevenuesLessExpensesAmt
Total Assets BOY	$743,559,642	TotalAssetsBOYAmt
Total Assets EOY	$789,538,843	TotalAssetsEOYAmt
Total Liabilities BOY	$676,831,419	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$718,425,507	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$66,728,223	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$71,113,336	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	WE SEE EACH DAY AS AN OPPORTUNITY TO SERVE OUR COMMUNITIES AND MAKE A DIFFERENCE IN OUR NEIGHBORS' LIVES. YES, THAT MEANS MAKING AFFORDABLE CAR LOANS AND HELPING PEOPLE SAVE MONEY, BUT IT'S MORE THAN THAT. YOU'LL SEE US OUT IN THE COMMUNITY, SLEEVES ROLLED UP, GETTING THINGS DONE. LENDING OUR TIME, EFFORT AND FINANCIAL SUPPORT TO THE CENTRAL COAST IS WHAT WE DO. AND WE LOVE IT.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	THE CREDIT UNION PROVIDES DRAFT AND SHARE ACCOUNTS, CONSUMER AND BUSINESS LOANS, SHARE CERTIFICATES, AND OTHER EXEMPT ACTIVITIES TO ITS MEMBERS.	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	0	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	Yes (1)	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	18574	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	240	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
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	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	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	Yes (1)	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	MARTY CHATHAM	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	8057337600	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3880 CONSTELLATION ROAD	AddressLine1Txt
City	LOMPOC	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	93436	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (22 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Key EmployeeKeyEmployeeInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
HUGH J RAFFERTY
CHAIRMAN	2.00	Yes (X)	$600	$0	$0
RICARDO VELASCO
1ST VICE CHAIRMAN	2.00	Yes (X)	$683	$0	$0
WILLIAM H ANDERS
2ND VICE CHAIRMAN	2.00	Yes (X)	$1,637	$0	$0
ARTHUR C SHEITHAUER JR
TREASURER	2.00	Yes (X)	$1,096	$0	$0
SHIRLEEN SLADEK
SECRETARY OF THE BOARD	2.00	Yes (X)	$0	$0	$0
RICHARD B COGGIN
DIRECTOR	2.00	Yes (X)	$600	$0	$0
DAVID M RICHARDSON
DIRECTOR	2.00	Yes (X)	$1,291	$0	$0
ROGER C WELT
DIRECTOR	2.00	Yes (X)	$1,262	$0	$0
KRISTOPHER L ANDREWS
DIRECTOR	2.00	Yes (X)	$1,416	$0	$0
JEFFREY C YORK
CEO/PRESIDENT	40.00		$643,310	$0	$36,864	Yes (X)
MARTY L CHATHAM
SVP/CFO	40.00		$220,314	$0	$21,775	Yes (X)
DAVID J UPHAM
EVP/COO	40.00		$235,594	$0	$17,335	Yes (X)
DALLAS E WIDICK JR
VP LENDING	40.00		$168,037	$0	$16,124		Yes (X)
SCOTT D COE
SVP MARKETING	40.00		$158,221	$0	$10,204		Yes (X)
LISA NISSINEN-HARLOW
SVP HUMAN RESOURCES	40.00		$169,623	$0	$12,828		Yes (X)
JOSE SEVA
SVP INFORMATION TECHNOLOGY	40.00		$187,063	$0	$20,551		Yes (X)
BRUCE A ALTHEIDE
VP WEALTH MANAGEMENT	40.00		$320,906	$0	$17,051		Yes (X)
ROBERT COVARRUBIAS
AVP BUSINESS LENDING	40.00		$136,248	$0	$14,040			Yes (X)
LINDA JARRET OLIVAR
AVP INTERNAL AUDIT	40.00		$117,963	$0	$13,318			Yes (X)
KIMBERLY CHAMBERS
AVP MORTGAGE	40.00		$119,232	$0	$18,487			Yes (X)
JAIME MARKS-RODRIGUEZ
AVP SOUTH REGION	40.00		$104,242	$0	$14,043			Yes (X)
JOSEPH MAYHEW
AVP CONSUMER LENDING	40.00		$128,147	$0	$18,848			Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,717,485	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$231,468	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	19	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
JACK HENRY INCORPORATED
330 N GERALD LETT AVE	ANGOLA	IN	46703	DATA PROCESSING SOFTWARE AND EQUIPMENT	$674,254
DIEBOLD INCORPORATED
5995 MAYFAIR ROAD	NORTH CANTON	OH	44720	ATM SERVICING & SECURITY EQUIPMENT	$388,253
LENDING SOLUTIONS INCORPORATED
2200 POINT BOULEVARD	ELGIN	IL	60123	CALL CENTER OVERFLOW	$379,320
SUBCAT INCORPORATED
271 IMPERIAL HIGHWAY 641	FULLERTON	CA	92835	MARKETING	$295,431
MERIDIAN LINK INCORPORATED
1600 SUNFLOWER AVE	COSTA MESA	CA	92626	LOAN ORIGINATION SOFTWARE	$222,856

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	25	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS TO MEMBERS	522100	$16,313,094	$16,313,094
OTHER NON INTEREST INCOME	522100	$2,604,822	$2,604,822
FEES TO MEMBERS	522100	$1,834,986	$1,834,986
UNRELATED BUSINESS INCOME	524298	$76,140		$76,140

Field	Value	IRS element (for citing)
Total Program Service Revenue	$20,829,042	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$438,492	TotalRevenueColumnAmt
Related Or Exempt Func Income	$438,492	RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$312,310	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$331,635	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	-$19,325	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$19,325	TotalRevenueColumnAmt
Related Or Exempt Func Income	-$19,325	RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$21,248,209	TotalRevenueColumnAmt
Related Or Exempt Func Income	$21,172,069	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$76,140	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,229,475	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$3,777,266	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$383,035	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,313,895	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$370,192	TotalAmt

Fees For Services Management FeesForServicesManagementGrp

Field	Value	IRS element (for citing)
Total	$224,125	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$29,258	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$129,929	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$417,177	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$681,107	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,534,359	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$233,383	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$2,121,579	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$631,009	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
PROVISION FOR LOAN LOSS	$1,416,999
PROCESSING EXPENSES	$872,561
MISC EXPENSES	$547,397
CREDIT CARD EXPENSES	$478,700

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$534,607	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$16,926,053	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$3,214,131	BOYAmt
EOY	$3,764,428	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$56,100,595	BOYAmt
EOY	$35,292,734	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$201,060	BOYAmt
EOY	$3,123,007	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$3,075,396	BOYAmt
EOY	$4,160,307	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$653,803,800	BOYAmt
EOY	$714,276,976	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$1,679,867	BOYAmt
EOY	$1,238,840	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$31,377,358	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$17,704,937	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$13,975,824	BOYAmt
EOY	$13,672,421	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$4,167,626	BOYAmt
EOY	$4,404,681	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$7,341,343	BOYAmt
EOY	$9,605,449	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$743,559,642	BOYAmt
EOY	$789,538,843	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$46,232,992	BOYAmt
EOY	$75,210,017	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$630,598,427	BOYAmt
EOY	$643,215,490	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$676,831,419	BOYAmt
EOY	$718,425,507	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	$66,728,223	BOYAmt
EOY	$71,113,336	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$66,728,223	BOYAmt
EOY	$71,113,336	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$743,559,642	BOYAmt
EOY	$789,538,843	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$4,322,156	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$62,957	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
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	$5,787	PoliticalExpendituresAmt
Internal Funds Contributed	$5,787	InternalFundsContributedAmt
Total Exempt Function Expend	$5,787	TotalExemptFunctionExpendAmt
Form1120 POL Filed	Yes (1)	Form1120POLFiledInd

Section527 Political Org Section527PoliticalOrgGrp

Organization Business Name OrganizationBusinessName

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

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 51476	AddressLine1Txt
City	ONTARIO	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	91761	ZIPCd

Field	Value	IRS element (for citing)
EIN	940357265	EIN
Paid Internal Funds	$5,787	PaidInternalFundsAmt

Supplemental Information Detail SupplementalInformationDetail

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

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,245,400	OtherCostOrOtherBasisAmt
Book Value	$4,245,400	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$14,485,489	OtherCostOrOtherBasisAmt
Depreciation	$7,291,172	DepreciationAmt
Book Value	$7,194,317	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,312,452	OtherCostOrOtherBasisAmt
Depreciation	$770,095	DepreciationAmt
Book Value	$542,357	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$11,334,017	OtherCostOrOtherBasisAmt
Depreciation	$9,643,670	DepreciationAmt
Book Value	$1,690,347	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$13,672,421	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	CLEARING AND MEMBER ACCTS	Desc
Amt	$643,215,490	Amt

Field	Value	IRS element (for citing)
Total Liability	$643,215,490	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 ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN POSITIONS EXIST AS OF DECEMBER 31, 2014 AND 2013.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Idemnification Gross Up Pmts	Yes (X)	IdemnificationGrossUpPmtsInd
Club Dues Or Fees	Yes (X)	ClubDuesOrFeesInd
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
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	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (9 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
JEFFREY C YORK
CEO/PRESIDENT	$366,619	$0	$52,050	$0	$224,641	$0	$19,150	$0	$17,714	$0	$680,174	$0	$0	$0
MARTY L CHATHAM
SVP/CFO	$200,720	$0	$19,177	$0	$417	$0	$8,062	$0	$13,713	$0	$242,089	$0	$0	$0
DAVID J UPHAM
EVP/COO	$202,320	$0	$17,111	$0	$16,163	$0	$8,750	$0	$8,585	$0	$252,929	$0	$0	$0
DALLAS E WIDICK JR
VP LENDING	$152,398	$0	$14,278	$0	$1,361	$0	$6,253	$0	$9,871	$0	$184,161	$0	$0	$0
SCOTT D COE
SVP MARKETING	$138,197	$0	$13,008	$0	$7,016	$0	$5,818	$0	$4,386	$0	$168,425	$0	$0	$0
LISA NISSINEN-HARLOW
SVP HUMAN RESOURCES	$150,304	$0	$14,184	$0	$5,135	$0	$6,229	$0	$6,599	$0	$182,451	$0	$0	$0
JOSE SEVA
SVP INFORMATION TECHNOLOGY	$170,331	$0	$16,344	$0	$388	$0	$6,838	$0	$13,713	$0	$207,614	$0	$0	$0
BRUCE A ALTHEIDE
VP WEALTH MANAGEMENT	$33,743	$0	$282,895	$0	$4,268	$0	$8,466	$0	$8,585	$0	$337,957	$0	$0	$0
ROBERT COVARRUBIAS
AVP BUSINESS LENDING	$119,496	$0	$13,852	$0	$2,900	$0	$5,455	$0	$8,585	$0	$150,288	$0	$0	$0

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (25 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
BRUCE ALTHEIDE
KEY EMPLOYEE	LOC - UNSECURED	Yes (X)	$15,000	$6,360	0	0	Yes (1)
BRUCE ALTHEIDE
KEY EMPLOYEE	HELOC	Yes (X)	$71,193	$53,982	0	0	Yes (1)
BRUCE ALTHEIDE
KEY EMPLOYEE	AUTO LOAN	Yes (X)	$34,089	$20,926	0	0	Yes (1)
BRUCE ALTHEIDE
KEY EMPLOYEE	CREDIT CARD	Yes (X)	$12,000	$6,412	0	0	Yes (1)
BRUCE ALTHEIDE
KEY EMPLOYEE	MORTGAGE	Yes (X)	$554,000	$458,893	0	0	Yes (1)
MARTY CHATHAM
OFFICER	AUTO LOAN	Yes (X)	$33,744	$16,946	0	0	Yes (1)
MARTY CHATHAM
OFFICER	HELOC	Yes (X)	$59,000	$54,957	0	0	Yes (1)
MARTY CHATHAM
OFFICER	CREDIT CARD	Yes (X)	$27,000	$16,285	0	0	Yes (1)
MARTY CHATHAM
OFFICER	MORTGAGE	Yes (X)	$472,000	$414,437	0	0	Yes (1)
SCOTT COE
KEY EMPLOYEE	HELOC	Yes (X)	$87,381	$54,281	0	0	Yes (1)
SCOTT COE
KEY EMPLOYEE	CREDIT CARD	Yes (X)	$29,000	$7,776	0	0	Yes (1)
SCOTT COE
KEY EMPLOYEE	MORTGAGE	Yes (X)	$240,000	$215,047	0	0	Yes (1)
DAVID UPHAM
OFFICER	HELOC	Yes (X)	$50,000	$0	0	0	Yes (1)
DAVID UPHAM
OFFICER	AUTO LOAN	Yes (X)	$44,965	$38,208	0	0	Yes (1)
DAVID UPHAM
OFFICER	HELOC	Yes (X)	$45,120	$45,120	0	0	Yes (1)
DAVID UPHAM
OFFICER	MORTGAGE	Yes (X)	$367,000	$366,340	0	0	Yes (1)
DAVID UPHAM
OFFICER	MORTGAGE	Yes (X)	$240,000	$209,428	0	0	Yes (1)
DALLIS WIDICK
KEY EMPLOYEE	2ND MORTGAGE	Yes (X)	$58,500	$51,775	0	0	Yes (1)
DALLIS WIDICK
KEY EMPLOYEE	AUTO LOAN	Yes (X)	$50,257	$50,257	0	0	Yes (1)
DALLIS WIDICK
KEY EMPLOYEE	CREDIT CARD	Yes (X)	$23,000	$16,712	0	0	Yes (1)
DALLIS WIDICK
KEY EMPLOYEE	MORTGAGE	Yes (X)	$468,000	$392,141	0	0	Yes (1)
JEFFREY YORK
OFFICER	HELOC	Yes (X)	$122,500	$99,500	0	Yes (1)	Yes (1)
JEFFREY YORK
OFFICER	CREDIT CARD	Yes (X)	$29,000	$4,107	0	Yes (1)	Yes (1)
JEFFREY YORK
OFFICER	MORTGAGE	Yes (X)	$980,000	$977,756	0	Yes (1)	Yes (1)
JEFFREY YORK
OFFICER	MORTGAGE	Yes (X)	$678,150	$582,661	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$4,160,307	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE CREDIT UNION HAS MEMBERS
FORM 990, PART VI, SECTION A, LINE 7A	ALL REGULAR ACCOUNT HOLDERS ARE REQUIRED TO HAVE EXACTLY ONE $5.00 PAR VALUE BASIC SHARE WHICH CONFERS VOTING RIGHTS IN THE ANNUAL ELECTIONS FOR THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE.
FORM 990, PART VI, SECTION A, LINE 7B	CREDIT UNION MEMBERS VOTED TO APPROVE A CONVERSION FROM FEDERALLY CHARTERED STATUS TO STATE CHARTERED STATUS DURING 2014.
FORM 990, PART VI, SECTION B, LINE 11	THE RETURN IS AVAILABLE FOR MEMBERS OF THE BOARD AND THE SUPERVISORY COMMITTEE TO REVIEW.
FORM 990, PART VI, SECTION B, LINE 12C	LOANS TO OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE REPORTED QUARTERLY TO THE NCUA AND AGGREGATED BY SOCIAL SECURITY NUMBER.
FORM 990, PART VI, SECTION B, LINE 15	COASTHILLS CREDIT UNION USES MARKET DATA BALANCECOMP ALONG WITH DATA FROM CUES TO HELP SET CEO COMPENSATION. COASTHILLS BOARD OF DIRECTORS COMMISSIONED D. HILTON ASSOCIATES TO CONDUCT A SEPARATE STUDY OF CEO COMPENSATION. AFTER DISCUSSIONS WITH BALANCECOMP AND D. HILTON ASSOCIATES, THE BOARD OF DIRECTORS MAKES A DECISION WHERE TO SET CEO COMPENSATION BASED UPON BOTH PERFORMANCE AND MARKET FACTORS. THESE DECISIONS ARE RECORDED IN THE BOARD EXECUTIVE COMMITTEE MINUTES AND CONFIRMED BY THE ENTIRE BOARD EXECUTIVE COMMITTEE. FOR OTHER OFFICERS AND KEY EMPLOYEES, COASTHILLS CREDIT UNION USES A COMPENSATION MATRIX PROVIDED BY BALANCECOMP THAT INCORPORATES MARKET DATA.
FORM 990, PART VI, SECTION C, LINE 19	COPIES OF MONTHLY FINANCIAL STATEMENTS ARE KEPT IN EACH OF OUR 11 BRANCH LOCATIONS AND ARE AVAILABLE ON 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.
ADDITIONAL INFORMATION	PRIOR TO JULY 29, 2014, COASTHILLS CREDIT UNION WAS ORGANIZED AS A FEDERALLY-CHARTERED CREDIT UNION UNDER IRC SECTION 501(C)(1) AND OPERATED AS COASTHILLS FEDERAL CREDIT UNION. A FEDERALLY-CHARTERED CREDIT UNION IS AN INSTRUMENTALITY OF THE US GOVERNMENT AND IS NOT REQUIRED TO FILE FORM 990. EFFECTIVE JULY 29, 2014, THE ORGANIZATION CONVERTED TO A STATE CHARTER. AS A RESULT, THIS IS AN INITIAL RETURN.

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp

Disregarded Entity Name DisregardedEntityName

Field	Value	IRS element (for citing)
Business Name Line1	COASTHILLS WEALTH MANAGEMENT LLC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3880 CONSTELLATION ROAD	AddressLine1Txt
City	LOMPOC	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	93436	ZIPCd

Field	Value	IRS element (for citing)
EIN	861097244	EIN
Primary Activities	MANAGEMENT OF MEMBER INVESTMENT ACCOUNTS	PrimaryActivitiesTxt
Legal Domicile State	CA	LegalDomicileStateCd
Total Income	-$18,708	TotalIncomeAmt
End Of Year Assets	$571	EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

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