CREDIT UNIONS IN THE STATE OF CALIFORNIA: Form 990, tax year 2011
View the entire original 990 at ProPublica ↗
- Organization
- CREDIT UNIONS IN THE STATE OF CALIFORNIA (EIN 95-1644568)
- Tax period
- 2011-01-01 to 2011-12-31
- Filed
- 2012-11-13
- IRS object ID
- 201233189349303658
- Schema version
- 2011v1.2
- 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 ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Timestamp | 2012-11-13T16:49:38-06:00 | Timestamp |
| Tax Period End Date | 2011-12-31 | TaxPeriodEndDate |
Preparer Firm PreparerFirm
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 954083485 | EIN |
Preparer Firm Business Name PreparerFirmBusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | TURNER WARREN HWANG & CONRAD ACCTCY | BusinessNameLine1 |
Preparer Firm US Address PreparerFirmUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 100 NORTH FIRST ST STE 202 | AddressLine1 |
| City | BURBANK | City |
| State | CA | State |
| ZIP Code | 91502 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnType |
| Tax Period Begin Date | 2011-01-01 | TaxPeriodBeginDate |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 951644568 | EIN |
Name Name
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | LBS FINANCIAL CREDIT UNION | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Control | LBSF | NameControl |
| Phone | 7148935111 | Phone |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 5505 GARDEN GROVE BLVD | AddressLine1 |
| City | WESTMINSTER | City |
| State | CA | State |
| ZIP Code | 92683 | ZIPCode |
Officer Officer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | SUSAN WIGHT | Name |
| Title | SVP/CFO | Title |
| Phone | 7148935111 | Phone |
| Date Signed | 2012-11-13 | DateSigned |
| Authorize Third Party | 1 | AuthorizeThirdParty |
Preparer Preparer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | VALENTINO CREUS CPA | Name |
| PTIN | P01054153 | PTIN |
| Phone | 8189549700 | Phone |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax Year | 2011 | TaxYear |
| Build TS | 2016-02-24 21:20:13Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Of Principal Officer Person | JEFFREY A NAPPER | NameOfPrincipalOfficerPerson |
Address Principal Officer US AddressPrincipalOfficerUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 5505 GARDEN GROVE BLVD | AddressLine1 |
| City | WESTMINSTER | City |
| State | CA | State |
| ZIP Code | 92683 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | 50859308 | GrossReceipts |
| Group Return For Affiliates | 0 | GroupReturnForAffiliates |
| Organization501c | X | Organization501c |
| Web Site | WWW.LBSFCU.ORG | WebSite |
| Type Of Organization Other | X | TypeOfOrganizationOther |
| Type Of Org Other Description | CREDIT UNION | TypeOfOrgOtherDescription |
| Year Formation | 1935 | YearFormation |
| State Legal Domicile | CA | StateLegalDomicile |
| Activity Or Mission Description | A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. | ActivityOrMissionDescription |
| Nbr Voting Members Governing Body | 9 | NbrVotingMembersGoverningBody |
| Nbr Independent Voting Members | 9 | NbrIndependentVotingMembers |
| Total Nbr Employees | 278 | TotalNbrEmployees |
| Total Nbr Volunteers | 15 | TotalNbrVolunteers |
| Total Gross UBI | 0 | TotalGrossUBI |
| Net Unrelated Business Txbl Income | 0 | NetUnrelatedBusinessTxblIncome |
| Contributions Grants Prior Year | 0 | ContributionsGrantsPriorYear |
| Contributions Grants Current Year | 0 | ContributionsGrantsCurrentYear |
| Program Service Revenue Prior Year | 55254751 | ProgramServiceRevenuePriorYear |
| Program Service Revenue CY | 48822608 | ProgramServiceRevenueCY |
| Investment Income Prior Year | 1300370 | InvestmentIncomePriorYear |
| Investment Income Current Year | 1989784 | InvestmentIncomeCurrentYear |
| Other Revenue Prior Year | 0 | OtherRevenuePriorYear |
| Other Revenue Current Year | 46916 | OtherRevenueCurrentYear |
| Total Revenue Prior Year | 56555121 | TotalRevenuePriorYear |
| Total Revenue Current Year | 50859308 | TotalRevenueCurrentYear |
| Grants And Similar Amnts Prior Year | 0 | GrantsAndSimilarAmntsPriorYear |
| Grants And Similar Amnts CY | 29081 | GrantsAndSimilarAmntsCY |
| Benefits Paid To Members Prior Year | 0 | BenefitsPaidToMembersPriorYear |
| Benefits Paid To Members CY | 0 | BenefitsPaidToMembersCY |
| Salaries Etc Prior Year | 14067520 | SalariesEtcPriorYear |
| Salaries Etc Current Year | 14358942 | SalariesEtcCurrentYear |
| Total Prof Fundrsng Exp Prior Year | 0 | TotalProfFundrsngExpPriorYear |
| Total Prof Fundrsng Exp CY | 0 | TotalProfFundrsngExpCY |
| Total Fundrsng Exp Current Year | 0 | TotalFundrsngExpCurrentYear |
| Other Expense Prior Year | 30591162 | OtherExpensePriorYear |
| Other Expenses Current Year | 21893091 | OtherExpensesCurrentYear |
| Total Expenses Prior Year | 44658682 | TotalExpensesPriorYear |
| Total Expenses Current Year | 36281114 | TotalExpensesCurrentYear |
| Revenues Less Expenses Prior Year | 11896439 | RevenuesLessExpensesPriorYear |
| Revenues Less Expenses CY | 14578194 | RevenuesLessExpensesCY |
| Total Assets BOY | 988244857 | TotalAssetsBOY |
| Total Assets EOY | 1023883117 | TotalAssetsEOY |
| Total Liabilities BOY | 879536971 | TotalLiabilitiesBOY |
| Total Liabilities EOY | 899493804 | TotalLiabilitiesEOY |
| Net Assets Or Fund Balances BOY | 108707886 | NetAssetsOrFundBalancesBOY |
| Net Assets Or Fund Balances EOY | 124389313 | NetAssetsOrFundBalancesEOY |
| Info In Schedule O Part III | X | InfoInScheduleOPartIII |
| Mission Description | LBS FINANCIAL 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, LBS FINANCIAL CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNING, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. | MissionDescription |
| Significant New Program Services | 0 | SignificantNewProgramServices |
| Significant Change | 0 | SignificantChange |
| Description | PROVIDING LENDING SERVICES TO OUR MEMBER-OWNERS AT MORE ATTRACTIVE RATES WITH LOWER FEES. THE LENDING PRODUCTS OFFERED INCLUDE: HOME LOANS, HOME EQUITY LOANS, AUTO LOANS, MOTORCYCLE LOANS, VISA CREDIT CARDS, AND PERSONAL LOANS. | Description |
Activity2 Activity2
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | PROVIDING DEPOSIT SERVICES FOR OUR MEMBER-OWNERS WITH LOWER FEES AND ATTRACTIVE RATES. THE DEPOSIT ACTIVITIES INCLUDE: CHOICE CHECKING, SHARE SAVINGS, MONEY MARKET ACCOUNTS, SHARE CERTIFICATES OF DEPOSIT, IRAS, SPECIAL OCCASION CLUB ACCOUNTS, AND SALARY PLANS. | Description |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Described In501 C3 | 0 | DescribedIn501C3 |
| Schedule B Required | 0 | ScheduleBRequired |
| Political Activities | 1 | PoliticalActivities |
| Subject To Proxy Tax | 0 | SubjectToProxyTax |
| Donor Advised Funds | 0 | DonorAdvisedFunds |
| Conservation Easements | 0 | ConservationEasements |
| Collections Of Art | 0 | CollectionsOfArt |
| Credit Counseling | 0 | CreditCounseling |
| Term Or Permanent Endowments | 0 | TermOrPermanentEndowments |
| Report Land Bldg Equip | 1 | ReportLandBldgEquip |
| Report Invest Oth Securities | 0 | ReportInvestOthSecurities |
| Report Prog Rel Invest | 1 | ReportProgRelInvest |
| Report Other Assets | 0 | ReportOtherAssets |
| Report Other Liabilities | 1 | ReportOtherLiabilities |
| Report Fin48 Footnote | 0 | ReportFin48Footnote |
| Independent Audit Financial Stmt | 0 | IndependentAuditFinancialStmt |
| Consolidated Audit Financial Stmt | 0 | ConsolidatedAuditFinancialStmt |
| School | 0 | School |
| Foreign Office | 0 | ForeignOffice |
| Foreign Activities | 0 | ForeignActivities |
| More Than5000 K To Organizations | 0 | MoreThan5000KToOrganizations |
| More Than5000 K To Individuals | 0 | MoreThan5000KToIndividuals |
| Professional Fundraising | 0 | ProfessionalFundraising |
| Fundraising Activities | 0 | FundraisingActivities |
| Gaming | 0 | Gaming |
| Hospital | 0 | Hospital |
| Grants To Organizations | 1 | GrantsToOrganizations |
| Grants To Individuals | 1 | GrantsToIndividuals |
| Schedule J Required | 1 | ScheduleJRequired |
| Tax Exempt Bonds | 0 | TaxExemptBonds |
| Loan To Officer Or DQP | 1 | LoanToOfficerOrDQP |
| Grant To Related Person | 0 | GrantToRelatedPerson |
| Bsnss Rltnshp With Organization | 0 | BsnssRltnshpWithOrganization |
| Bsnss Rltnshp Thru Family Member | 0 | BsnssRltnshpThruFamilyMember |
| Officer Entity With Bsnss Rltnshp | 0 | OfficerEntityWithBsnssRltnshp |
| Deductible Non Cash Contributions | 0 | DeductibleNonCashContributions |
| Deductible Contributions Of Art | 0 | DeductibleContributionsOfArt |
| Terminated | 0 | Terminated |
| Partial Liquidation | 0 | PartialLiquidation |
| Disregarded Entity | 0 | DisregardedEntity |
| Related Entity | 0 | RelatedEntity |
| Related Org Controlled Entity | 0 | RelatedOrgControlledEntity |
| Transaction Related Entity | 0 | TransactionRelatedEntity |
| Activities Conducted Partnership | 0 | ActivitiesConductedPartnership |
| Schedule O Required | 1 | ScheduleORequired |
| Number Forms Transmitted With1096 | 0 | NumberFormsTransmittedWith1096 |
| Number W2 G Included | 0 | NumberW2GIncluded |
| Compliance With Backup Witholding | 1 | ComplianceWithBackupWitholding |
| Number Of Employees | 278 | NumberOfEmployees |
| Employment Tax Returns Filed | 1 | EmploymentTaxReturnsFiled |
| Unrelated Business Income | 0 | UnrelatedBusinessIncome |
| Foreign Financial Account | 0 | ForeignFinancialAccount |
| Prohibited Tax Shelter Trans | 0 | ProhibitedTaxShelterTrans |
| Taxable Party Notification | 0 | TaxablePartyNotification |
| Non Deductible Contributions | 0 | NonDeductibleContributions |
| Quid Pro Quo Contributions | 0 | QuidProQuoContributions |
| Form8282 Property Disposed Of | 0 | Form8282PropertyDisposedOf |
| Indoor Tanning Services | 0 | IndoorTanningServices |
| Info In Schedule O Part VI | X | InfoInScheduleOPartVI |
| Nbr Voting Governing Body Members | 9 | NbrVotingGoverningBodyMembers |
| Number Independent Voting Members | 9 | NumberIndependentVotingMembers |
| Family Or Business Relationship | 0 | FamilyOrBusinessRelationship |
| Delegation Of Management Duties | 0 | DelegationOfManagementDuties |
| Changes To Organizing Docs | 0 | ChangesToOrganizingDocs |
| Material Diversion Or Misuse | 0 | MaterialDiversionOrMisuse |
| Members Or Stockholders | 1 | MembersOrStockholders |
| Election Of Board Members | 1 | ElectionOfBoardMembers |
| Decisions Subject To Approval | 1 | DecisionsSubjectToApproval |
| Minutes Of Governing Body | 1 | MinutesOfGoverningBody |
| Minutes Of Committees | 1 | MinutesOfCommittees |
| Officer Mailing Address | 0 | OfficerMailingAddress |
| Local Chapters | 1 | LocalChapters |
| Policies Reference Chapters | 1 | PoliciesReferenceChapters |
| Form990 Provided To Governing Body | 1 | Form990ProvidedToGoverningBody |
| Conflict Of Interest Policy | 1 | ConflictOfInterestPolicy |
| Annual Disclosure Covered Persons | 1 | AnnualDisclosureCoveredPersons |
| Regular Monitoring Enforcement | 1 | RegularMonitoringEnforcement |
| Whistleblower Policy | 1 | WhistleblowerPolicy |
| Document Retention Policy | 1 | DocumentRetentionPolicy |
| Compensation Process CEO | 1 | CompensationProcessCEO |
| Compensation Process Other | 1 | CompensationProcessOther |
| Investment In Joint Venture | 0 | InvestmentInJointVenture |
| States Where Copy Of Return Is Filed | CA | StatesWhereCopyOfReturnIsFiled |
| Upon Request | X | UponRequest |
The Books Are In Care Of TheBooksAreInCareOf
Name Business NameBusiness
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | SUSAN M WIGHT SVPCFO | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Telephone Number | 7148935111 | TelephoneNumber |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 4860 | AddressLine1 |
| City | LONG BEACH | City |
| State | CA | State |
| ZIP Code | 908040860 | ZIPCode |
Form990 Part VII Section A Form990PartVIISectionA (24 entries)
| TitleTitle | Average Hours Per WeekAverageHoursPerWeek | Individual Trustee Or DirectorIndividualTrusteeOrDirector | Reportable Comp From OrganizationReportableCompFromOrganization | Reportable Comp From Related OrgsReportableCompFromRelatedOrgs | Other CompensationOtherCompensation | OfficerOfficer | Key EmployeeKeyEmployee | Highest Compensated EmployeeHighestCompensatedEmployee |
|---|---|---|---|---|---|---|---|---|
| DOUG WOOD | ||||||||
| CHAIRPERSON | 1.00 | X | 719 | 0 | 0 | |||
| ERIC DAVID | ||||||||
| VICE CHAIRMAN | 1.00 | X | 0 | 0 | 0 | |||
| GENE ALLEN | ||||||||
| TREASURER/SECRETARY | 1.00 | X | 3383 | 0 | 0 | |||
| JOHN FLYPAA | ||||||||
| BOARD MEMBER | 1.00 | X | 0 | 0 | 0 | |||
| PAM FELLMAN | ||||||||
| BOARD MEMBER | 1.00 | X | 0 | 0 | 0 | |||
| LUTHER WILLIAMS | ||||||||
| BOARD MEMBER | 1.00 | X | 931 | 0 | 0 | |||
| LIONEL GATLEY | ||||||||
| BOARD MEMBER | 1.00 | X | 1358 | 0 | 0 | |||
| JEAN DAVIS | ||||||||
| BOARD MEMBER | 1.00 | X | 0 | 0 | 0 | |||
| PAUL HONEY | ||||||||
| BOARD MEMBER | 1.00 | X | 868 | 0 | 0 | |||
| JOE APFEL | ||||||||
| SUPERVISORY COMMITTEE | 1.00 | X | 0 | 0 | 0 | |||
| DAVID CONRAD | ||||||||
| SUPERVISORY COMMITTEE | 1.00 | X | 664 | 0 | 0 | |||
| HENRY DUNN | ||||||||
| SUPERVISORY COMMITTEE | 1.00 | X | 0 | 0 | 0 | |||
| RUSSELL YOUNG | ||||||||
| CREDIT COMMITTEE CHAIRMAN | 1.00 | X | 1292 | 0 | 0 | |||
| WILLIAM MARMION | ||||||||
| CREDIT COMMITTEE MBR | 1.00 | X | 0 | 0 | 0 | |||
| JOE RIDDICK | ||||||||
| CREDIT COMMITTEE MBR | 1.00 | X | 0 | 0 | 0 | |||
| JEFFREY NAPPER | ||||||||
| PRESIDENT/CEO | 40.00 | 523802 | 0 | 55422 | X | |||
| SUSAN WIGHT | ||||||||
| S.V.P/CFO | 40.00 | 150005 | 0 | 23942 | X | |||
| CHARLES THOMAS | ||||||||
| S.V.P/CLO | 40.00 | 164092 | 0 | 24345 | X | |||
| DIANE JARECKI | ||||||||
| S.V.P/HUMAN RESOURCES | 40.00 | 154684 | 0 | 22826 | X | |||
| SEAN HARDEMAN | ||||||||
| S.V.P./MEMBER SERVICES | 40.00 | 145128 | 0 | 13435 | X | |||
| KEVIN REED | ||||||||
| S.V.P/INFORMATION SYSTEMS | 40.00 | 141442 | 0 | 29767 | X | |||
| ALFRED PARENT JR | ||||||||
| V.P/COLLECTIONS | 40.00 | 129708 | 0 | 27838 | X | |||
| HEATHER SUMMERS | ||||||||
| S.V.P/MARKETING | 40.00 | 128616 | 0 | 17745 | X | |||
| CHARLES FLIEGER | ||||||||
| V.P./RETAIL OPERATIONS | 40.00 | 125843 | 0 | 14255 | X | |||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | 1672535 | TotalReportableCompFromOrg |
| Total Reportable Comp Frm Rltd Orgs | 0 | TotalReportableCompFrmRltdOrgs |
| Total Other Compensation | 229575 | TotalOtherCompensation |
| Number Individuals GT100 K | 9 | NumberIndividualsGT100K |
| Formers Listed | 0 | FormersListed |
| Total Comp GT150 K | 1 | TotalCompGT150K |
| Compensation From Other Sources | 0 | CompensationFromOtherSources |
Contractor Compensation ContractorCompensation (5 entries)
| Address Line1AddressOfContractor/AddressUS/AddressLine1 | CityAddressOfContractor/AddressUS/City | StateAddressOfContractor/AddressUS/State | ZIP CodeAddressOfContractor/AddressUS/ZIPCode | Description Of ServicesDescriptionOfServices | CompensationCompensation |
|---|---|---|---|---|---|
| PRENOVOST NORMANDIN BERGH & DAWE | |||||
| 2122 N BROADWAY 200 | SANTA ANA | CA | 92706 | LEGAL SERVICES | 603483 |
| BDI | |||||
| 321 NORTH OAK STREET | INGLEWOOD | CA | 90302 | STATEMENT PROCESSING | 590855 |
| FISERV | |||||
| 255 FISERV DRIVE | BROOKFIELD | WI | 53045 | CORE PROCESSING | 568623 |
| DAVID J ELBAZ-DECKEL | |||||
| 12124 VIEWCREST DRIVE | STUDIO CITY | CA | 91604 | CONSULTING SERVICES | 268824 |
| QUENTIN GUTIERREZ WITH OUT PINK SLIP | |||||
| PO BOX 1251 | MONTEBELLO | CA | 90640 | COLLECTION SERVICES | 234229 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Number Of Contractors GT100 K | 7 | NumberOfContractorsGT100K |
Program Service Revenue ProgramServiceRevenue (3 entries)
| DescriptionDescription | Business CodeBusinessCode | Total Revenue ColumnTotalRevenueColumn | Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome |
|---|---|---|---|
| INTEREST ON LOANS | 522100 | 42044266 | 42044266 |
| FEE INCOME | 522100 | 5250220 | 5250220 |
| OTHER OPERATING INCOME | 522100 | 1528122 | 1528122 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | 48822608 | TotalProgramServiceRevenue |
Investment Income InvestmentIncome
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 1969784 | TotalRevenueColumn |
| Related Or Exempt Function Income | 1969784 | RelatedOrExemptFunctionIncome |
Gross Amount Sales Assets GrossAmountSalesAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | 20000 | Other |
Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | 0 | Other |
Gain Or Loss GainOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | 20000 | Other |
Net Gain Or Loss Investments NetGainOrLossInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 20000 | TotalRevenueColumn |
| Related Or Exempt Function Income | 20000 | RelatedOrExemptFunctionIncome |
Other Revenue Misc OtherRevenueMisc (3 entries)
| DescriptionDescription | Business CodeBusinessCode | Total Revenue ColumnTotalRevenueColumn | Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome |
|---|---|---|---|
| GAIN FROM OREO | 522100 | 32522 | 32522 |
| OTHER NON-OPERATING IN | 522100 | 9607 | 9607 |
| GAIN FROM INVESTMENT | 522100 | 4787 | 4787 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Other Revenue | 46916 | TotalOtherRevenue |
Total Revenue TotalRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 50859308 | TotalRevenueColumn |
| Related Or Exempt Function Income | 50859308 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 0 | UnrelatedBusinessRevenue |
| Exclusion | $0 | ExclusionAmount |
Grants To Domestic Orgs GrantsToDomesticOrgs
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 13000 | Total |
Grants To Domestic Individuals GrantsToDomesticIndividuals
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 16081 | Total |
Comp Current Officers Directors CompCurrentOfficersDirectors
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1672535 | Total |
Other Salaries And Wages OtherSalariesAndWages
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 8619550 | Total |
Pension Plan Contributions PensionPlanContributions
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 2040272 | Total |
Other Employee Benefits OtherEmployeeBenefits
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1157845 | Total |
Payroll Taxes PayrollTaxes
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 868740 | Total |
Fees For Services Legal FeesForServicesLegal
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 519759 | Total |
Fees For Services Accounting FeesForServicesAccounting
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 83297 | Total |
Fees For Services Other FeesForServicesOther
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 2984321 | Total |
Advertising Advertising
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 334973 | Total |
Office Expenses OfficeExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 2797829 | Total |
Information Technology InformationTechnology
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 445303 | Total |
Occupancy Occupancy
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1122063 | Total |
Travel Travel
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 167538 | Total |
Interest Interest
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 7345617 | Total |
Depreciation Depletion DepreciationDepletion
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1714922 | Total |
Insurance Insurance
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 2293901 | Total |
Other Expenses OtherExpenses (4 entries)
| DescriptionDescription | TotalTotal |
|---|---|
| PROV. FOR LOAN LOSSES | 756141 |
| MISC OPERATING EXPENSE | 722115 |
| LOAN SERVICING EXPENSE | 519601 |
| OPERATING FEES | 85711 |
Total Functional Expenses TotalFunctionalExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 36281114 | Total |
Cash Non Interest Bearing CashNonInterestBearing
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 7356637 | BOY |
| EOY | 7299616 | EOY |
Savings And Temp Cash Investments SavingsAndTempCashInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 168267740 | BOY |
| EOY | 166461726 | EOY |
Receivables From Officers Etc ReceivablesFromOfficersEtc
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 2299107 | BOY |
| EOY | 49877 | EOY |
Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 530745 | BOY |
| EOY | 504016 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Buildings Equipment Basis | 31797155 | LandBuildingsEquipmentBasis |
| Land Bldg Equipment Accum Deprec | 24493418 | LandBldgEquipmentAccumDeprec |
Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 8166684 | BOY |
| EOY | 7303737 | EOY |
Investments Pub Traded Securities InvestmentsPubTradedSecurities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 83308258 | BOY |
| EOY | 128134462 | EOY |
Investments Program Related InvestmentsProgramRelated
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 708588215 | BOY |
| EOY | 706895323 | EOY |
Other Assets Total OtherAssetsTotal
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 9727471 | BOY |
| EOY | 7234360 | EOY |
Total Assets TotalAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 988244857 | BOY |
| EOY | 1023883117 | EOY |
Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 4537178 | BOY |
| EOY | 3450713 | EOY |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 874999793 | BOY |
| EOY | 896043091 | EOY |
Total Liabilities TotalLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 879536971 | BOY |
| EOY | 899493804 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Do Not Follow SFAS117 | X | DoNotFollowSFAS117 |
Cap Stck Trst Prin Current Funds CapStckTrstPrinCurrentFunds
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
| EOY | 0 | EOY |
Paid In Cap Srpls Land Bldg Eqp Fund PaidInCapSrplsLandBldgEqpFund
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
| EOY | 0 | EOY |
Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 108707886 | BOY |
| EOY | 124389313 | EOY |
Total Net Assets Fund Balances TotalNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 108707886 | BOY |
| EOY | 124389313 | EOY |
Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 988244857 | BOY |
| EOY | 1023883117 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part XI | X | InfoInScheduleOPartXI |
| Reconcilation Revenue Expenses | 14578194 | ReconcilationRevenueExpenses |
| Reconcilation Other Changes | 1103233 | ReconcilationOtherChanges |
| Info In Schedule O Part XII | X | InfoInScheduleOPartXII |
| Method Of Accounting Accrual | X | MethodOfAccountingAccrual |
| Accountant Compile Or Review | 0 | AccountantCompileOrReview |
| FS Audited | 1 | FSAudited |
| Audit Committee | 1 | AuditCommittee |
| Financial Statement Separate | X | FinancialStatementSeparate |
| Federal Grant Audit Required | 0 | FederalGrantAuditRequired |
Schedule C IRS990ScheduleC
| Field | Value | IRS element (for citing) |
|---|---|---|
| Political Expenditures | 6000 | PoliticalExpenditures |
| Amt Of Internal Funds Contributed | 6000 | AmtOfInternalFundsContributed |
| Total Exmpt Function Expenditures | 6000 | TotalExmptFunctionExpenditures |
| Form1120 Pol Filed | 1 | Form1120PolFiled |
Sec527 Pol Orgs Sec527PolOrgs
Name Of527 Organization NameOf527Organization
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | CCUL-PAC | BusinessNameLine1 |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1201 K STREET 1050 | AddressLine1 |
| City | SACRAMENTO | City |
| State | CA | State |
| ZIP Code | 95814 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 940357265 | EIN |
| Amt Pd From Internal Funds | 6000 | AmtPdFromInternalFunds |
Schedule D IRS990ScheduleD
Land Land
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 2000508 | OtherCostOrOtherBasis |
| Book Value | 2000508 | BookValue |
Buildings Buildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 11098914 | OtherCostOrOtherBasis |
| Depreciation | 7699845 | Depreciation |
| Book Value | 3399069 | BookValue |
Leasehold Improvements LeaseholdImprovements
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 1375536 | OtherCostOrOtherBasis |
| Depreciation | 1037236 | Depreciation |
| Book Value | 338300 | BookValue |
Equipment Equipment
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 17322197 | OtherCostOrOtherBasis |
| Depreciation | 15756337 | Depreciation |
| Book Value | 1565860 | BookValue |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Land Buildings | 7303737 | TotalOfBookValueLandBuildings |
Investments Program Related InvestmentsProgramRelated (4 entries)
| DescriptionDescription | Book ValueBookValue | Method Of ValuationMethodOfValuation |
|---|---|---|
| INVESTMENTS IN NATURAL PERSON CUS | 100000 | F |
| LOANS AND LEASES | 647771985 | F |
| NCUA SHARE INSURANCE DEPOSIT | 8977136 | F |
| DEPOSITS IN COMMERCIAL BANKS | 50046202 | F |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Program Related | 706895323 | TotalOfBookValueProgramRelated |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | TOTAL SHARES AND DEPOSITS | Description |
| Amount | $896,043,091 | Amount |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Amounts | 896043091 | TotalOfAmounts |
Form990 Schedule D Part XIV Form990ScheduleDPartXIV
| Field | Value | IRS element (for citing) |
|---|---|---|
| Identifier | DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: | Identifier |
| Return Reference | PART X: | ReturnReference |
| Explanation | ASC 740-10-65 (FASB INTERPRETATION NO. 48, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES, AN INTERPRETATION OF SFAS NO. 109) WAS ISSUED TO CREATE A SINGLE MODEL TO ADDRESS ACCOUNTING UNCERTAINTY IN TAX POSITIONS. THIS STANDARD CLARIFIES THE ACCOUNTING FOR INCOME TAXES BY PRESCRIBING A MINIMUM RECOGNITION THRESHOLD A TAX POSITION IS REQUIRED TO MEET BEFORE BEING RECOGNIZED IN THE FINANCIAL STATEMENTS. THIS STANDARD ALSO PROVIDES GUIDANCE ON MEASUREMENT, DERECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, DISCLOSURE AND TRANSITION. THE CREDIT UNION ADOPTED THIS STANDARD ON JANUARY 1, 2009. AS A RESULT OF THE IMPLEMENTATION OF THIS STANDARD, THE CREDIT UNION DID NOT RECOGNIZE ANY LIABILITY FOR UNRECOGNIZED TAX BENEFITS. | Explanation |
Schedule I IRS990ScheduleI
| Field | Value | IRS element (for citing) |
|---|---|---|
| Records Maintained | 1 | RecordsMaintained |
| No Grant More Than5000 | X | NoGrantMoreThan5000 |
Form990 Schedule I Part III Form990ScheduleIPartIII
| Field | Value | IRS element (for citing) |
|---|---|---|
| Type Of Grant | EDUCATIONAL SCHOLARSHIPS | TypeOfGrant |
| Number Of Recipients | 30 | NumberOfRecipients |
| Amount Of Cash Grant | 16081 | AmountOfCashGrant |
| Method Of Valuation | FMV | MethodOfValuation |
Form990 Schedule I Part IV Form990ScheduleIPartIV
| Field | Value | IRS element (for citing) |
|---|---|---|
| Identifier | SCHEDULE I, PART III: | Identifier |
| Explanation | HIGH SCHOOL SCHOLARSHIP RECIPIENTS ARE DETERMINED BY THE SCHOOLS THEMSELVES. THE CREDIT UNION ALSO PROVIDES A SPECIAL SCHOLARSHIP THAT IS OPEN TO ALL MEMBERS AND THEIR CHILDREN WHO ARE ATTENDING AN ACCREDITED COLLEGE OR TRADE SCHOOL. THERE ARE STRICT QUALIFICATIONS THAT MUST BE MET AND APPLICATIONS ARE SCREENED IN-HOUSE BY A COMMITTEE. ONE SCHOLARSHIP IS AWARDED EACH YEAR. | Explanation |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Travel For Companions | X | TravelForCompanions |
| Idemnification Gross Up Payments | X | IdemnificationGrossUpPayments |
| Discretionary Spending Account | X | DiscretionarySpendingAccount |
| Written Policy Re T And E Expenses | 1 | WrittenPolicyReTAndEExpenses |
| Substantiation Required | 1 | SubstantiationRequired |
| Compensation Committee | X | CompensationCommittee |
| Compensation Survey | X | CompensationSurvey |
| Board Or Committee Approval | X | BoardOrCommitteeApproval |
| Severance Payment | 0 | SeverancePayment |
| Supplemental Nonqual Retire Plan | 1 | SupplementalNonqualRetirePlan |
| Equity Based Comp Arrangement | 0 | EquityBasedCompArrangement |
Form990 Schedule J Part II Form990ScheduleJPartII (7 entries)
| Base Compensation Filing OrgBaseCompensationFilingOrg | Comp Based On Related OrgsCompBasedOnRelatedOrgs | Bonus Filing OrgBonusFilingOrg | Bonus Related OrgsBonusRelatedOrgs | Other Compensation Filing OrgOtherCompensationFilingOrg | Other Compensation Related OrgsOtherCompensationRelatedOrgs | Deferred Comp Filing OrgDeferredCompFilingOrg | Deferred Comp Related OrgsDeferredCompRelatedOrgs | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrg | Nontaxable Benefits Related OrgsNontaxableBenefitsRelatedOrgs | Total Compensation Filing OrgTotalCompensationFilingOrg | Total Compensation Related OrgsTotalCompensationRelatedOrgs | Comp Report Prior990 Filing OrgCompReportPrior990FilingOrg | Comp Report Prior990 Related OrgsCompReportPrior990RelatedOrgs |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| JEFFREY NAPPER | |||||||||||||
| 437822 | 0 | 2156 | 0 | 83824 | 0 | 37822 | 0 | 17600 | 0 | 579224 | 0 | 0 | 0 |
| SUSAN WIGHT | |||||||||||||
| 148016 | 0 | 1152 | 0 | 837 | 0 | 12881 | 0 | 11061 | 0 | 173947 | 0 | 0 | 0 |
| CHARLES THOMAS | |||||||||||||
| 163062 | 0 | 101 | 0 | 929 | 0 | 13929 | 0 | 10416 | 0 | 188437 | 0 | 0 | 0 |
| DIANE JARECKI | |||||||||||||
| 154120 | 0 | 101 | 0 | 463 | 0 | 13136 | 0 | 9690 | 0 | 177510 | 0 | 0 | 0 |
| SEAN HARDEMAN | |||||||||||||
| 144857 | 0 | 51 | 0 | 220 | 0 | 0 | 0 | 13435 | 0 | 158563 | 0 | 0 | 0 |
| KEVIN REED | |||||||||||||
| 139561 | 0 | 1444 | 0 | 437 | 0 | 12624 | 0 | 17143 | 0 | 171209 | 0 | 0 | 0 |
| ALFRED PARENT JR | |||||||||||||
| 129250 | 0 | 101 | 0 | 357 | 0 | 11814 | 0 | 16024 | 0 | 157546 | 0 | 0 | 0 |
Form990 Schedule J Part III Form990ScheduleJPartIII (2 entries)
| Return ReferenceReturnReference | ExplanationExplanation |
|---|---|
| PART I, LINE 1A | THE CREDIT UNION HAS A POLICY TO REIMBURSE THE ACTUAL TRAVEL EXPENSES FOR VOLUNTEERS, BOARD MEMBERS AND THEIR TRAVEL COMPANION. HOWEVER, THE TRAVEL EXPENSES OF EMPLOYEES AND THEIR TRAVEL COMPANION ARE NOT REIMBURSED. |
| PART I, LINE 4B | THE CREDIT UNION HAS IN PLACE A RETIREMENT FUND MEANT TO ALLOW THE CEO TO SAVE FOR RETIREMENT BEYOND THE STANDARD DEFINED CONTRIBUTION PLANS. THE PLAN IS FUNDED BY A UNIVERSAL LIFE POLICY FOR THE SOLE PARTICIPANT, JEFFREY NAPPER. |
Schedule L IRS990ScheduleL
Loan Table LoanTable (7 entries)
| Purpose Of LoanPurposeOfLoan | Loan From OrganizationLoanFromOrganization | Original PrincipalOriginalPrincipalAmount | Balance DueBalanceDue | DefaultDefault | Approved By BoardApprovedByBoard | Written AgreementWrittenAgreement |
|---|---|---|---|---|---|---|
| HEATHER SUMMERS | ||||||
| CAR | X | $22,964 | 14235 | 0 | 0 | 1 |
| JEFFREY NAPPER | ||||||
| VISA | X | $15,000 | 387 | 0 | 1 | 1 |
| KEVIN REED | ||||||
| VISA | X | $5,000 | 4795 | 0 | 0 | 1 |
| SUSAN WIGHT | ||||||
| VISA | X | $9,500 | 9280 | 0 | 0 | 1 |
| KEVIN REED | ||||||
| UNSECURED LOAN | X | $15,000 | 10004 | 0 | 0 | 1 |
| SUSAN WIGHT | ||||||
| UNSECURED LOAN | X | $5,000 | 3518 | 0 | 0 | 1 |
| KEVIN REED | ||||||
| CAR | X | $8,147 | 7658 | 0 | 0 | 1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Balance Due | 49877 | TotalBalanceDue |
Schedule O IRS990ScheduleO
General Explanation GeneralExplanation (9 entries)
| Return ReferenceReturnReference | ExplanationExplanation | IdentifierIdentifier |
|---|---|---|
| FORM 990, PART VI, SECTION A, LINE 6 | LBS FINANCIAL CREDIT UNION IS A COOPERATIVE FINANCIAL INSITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS, AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. LBS FINANCIAL CREDIT UNION DOES NOT HAVE STOCKHOLDERS. | |
| FORM 990, PART VI, SECTION A, LINE 7A | THE GOVERNING BOARD OF LBS FINANCIAL 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 THE MERGER OR DISSOLUTION. | |
| FORM 990, PART VI, SECTION B, LINE 11 | THE BOARD REVIEWS THE FORM 990 DURING THE BOARD MEETING AND PROVIDES COMMENTS AND MODIFICATIONS WHERE NECESSARY. | |
| FORM 990, PART VI, SECTION B, LINE 12C | IT IS THE POLICY OF THE CREDIT UNION THAT ALL EMPLOYEES MUST DISCLOSE ANY SITUATION THAT COULD OR DOES INVOLVE A POTENTIAL OR ACTUAL CONFLICT BETWEEN THEIR PERSONAL INTERESTS AND THE INTERESTS OF THE CREDIT UNION. FAILURE TO DISCLOSE MAY RESULT IN DISCIPLINARY ACTION, UP TO AND INCLUDING TERMINATION. | |
| FORM 990, PART VI, SECTION B, LINE 15 | LBS FINANCIAL WILL MAINTAIN A COMPETITIVE SALARY RANGE STRUCTURE FOR ALL POSITIONS. THE FOLLOWING WILL OCCUR: THE HUMAN RESOURCES DEPARTMENT WILL PARTICIPATE IN CERTAIN SALARY SURVEYS AS APPROPRIATE FOR OUR INDUSTRY, POSITIONS, ASSET SIZE, EMPLOYEE SIZE, AND GEOGRAPHICAL LOCATIONS. SALARY RANGES WILL BE REVIEWED, AT A MINIMUM, ON AN ANNUAL BASIS. DUE TO COMPETITIVE MARKET CONDITIONS FOR CERTAIN POSITIONS, ADJUSTMENTS MAY BE REVIEWED AND APPROVED ON A CASE-BY CASE BASIS TO REMAIN COMPETITIVE. PUBLISHED SALARY SURVEYS WILL BE UTILIZED TO DETERMINE SALARY RANGES AND TOTAL COMPENSATION. EACH POSITION WILL BE ASSIGNED A CORRESPONDING SALARY RANGE WITH A MINIMUM, MIDPOINT AND MAXIMUM. THE HUMAN RESOURCES DEPARTMENT WILL PRESENT, ANNUALLY, SALARY RANGES AND RECOMMENDATIONS TO THE HUMAN RESOURCES COMMITTEE (CONSISTING OF THREE BOARD MEMBERS) AND THE PRESIDENT/CEO FOR ALL POSITIONS BENEATH THE PRESIDENT/CEO. THE HUMAN RESOURCES COMMITTEE WILL MAKE THE FINAL RECOMMENDATION TO THE BOARD OF DIRECTORS AND IT IS SO NOTED IN THE MINUTES. ONCE BOARD APPROVED, THE HUMAN RESOURCES DEPARTMENT WILL PUBLISH THE APPROVED SALARY RANGES FOR THE GIVEN YEAR. THE HUMAN RESOURCES DEPARTMENT WILL PRESENT TO THE HUMAN RESOURCES COMMITTEE (CONSISTING OF THREE BOARD MEMBERS) SPECIFIC SALARY SURVEYS TO EVALUATE COMPENSATION FOR THE PRESDIENT/CEO. THE HUMAN RESOURCES COMMITTEE MEETS WITH ALL MEMBERS OF THE BOARD IN AN EXECUTIVE SESSION TO DISCUSS AND EVALUATE COMPENSATION AS WELL AS REVIEW PERFORMANCE. FINAL COMPENSATION AND/OR ADJUSTMENTS ARE APPROVED BY THE BOARD OF DIRECTORS AND ARE SIGNED OFF BY THE CHAIRPERSON OF THE BOARD. | |
| FORM 990, PART VI, SECTION C, LINE 19 | GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. IN ADDITION, MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY OF EACH OF OUR BRANCH LOCATIONS AND COPIES ARE AVAILABLE UPON REQUEST. | |
| FORM 990, PART XI, LINE 5: | CHANGE IN OTHER COMPREHENSIVE INCOME 1,103,233. TOTAL TO FORM 990, PART XI, LINE 5: 1,103,233. | CHANGES IN NET ASSETS OR FUND BALANCES: |
| FORM 990, PART XI, LINE 2C: | THE ORGANIZATION DID NOT CHANGE EITHER ITS SELECTION PROCESS OR OVERSIGHT PROCESS DURING THE TAX YEAR. |
Comments