2011-11-01T12:38:41-05:00 2010-12-31 MOSS ADAMS LLP 3121 WEST MARCH LANE SUITE 100 STOCKTON CA 952192303 990 2010-01-01 940362029 CENTRAL STATE CREDIT UNION CRED 2094445321 919 NORTH CENTER STREET STOCKTON CA 95202 PATRICIA JACKSON 2094445321 2011-10-21 1 TRACY S PAGLIA 2099556100 2010 2016-03-07 17:11:31Z PATRICIA JACKSON 919 NORTH CENTER STREET STOCKTON CA 95202 10669706 0 1526 X WWW.CENTRALSTATECU.ORG X 1936 CA TO FOCUS ON OUR MEMBER'S FINANCIAL NEEDS BY OFFERING ACCESSIBLE SOLUTIONS AND EXCELLENT SERVICE WHILE MAINTAINING FISCAL INTEGRITY. 10 10 55 16 107193 -263631 0 0 9245508 8105597 305321 555453 0 0 9550829 8661050 0 0 1501708 899421 2666445 2565625 0 0 0 5681001 4869109 9849154 8334155 -298325 326895 139641813 139078804 126829161 126015779 12812652 13063025 TO FOCUS ON OUR MEMBER'S FINANCIAL NEEDS BY OFFERING ACCESSIBLE SOLUTIONS AND EXCELLENT SERVICE WHILE MAINTAINING FISCAL INTEGRITY. 0 0 A. LOAN RATES ARE LOW COMPARING TO OTHER FINANCIAL INSTITUTIONS AND WE HAVE MORE TO LEND.B. WE ARE A COMMUNITY CREDIT UNION, WHICH MEANS IF YOU LIVE, WORK OR WORSHIP IN SAN JOAQUIN OR CALAVARAS COUNTIES YOU CAN BECOME A MEMBER.C. WE OFFER FREE ONLINE BANKING SERVICES TO OUR MEMBERS. 0 0 0 0 0 0 0 0 0 1 1 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 0 1 2624 0 1 55 1 1 1 0 0 0 0 0 X 10 10 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 0 1 1 0 CA X PATRICIA JACKSON 2094445300 919 NORTH CENTER STREET STOCKTON CA 95205 ROCKY ROSARIO 1.00 X X 0 0 0 JAMES KIEFER 1.00 X 0 0 0 CECILE KAISER 1.00 X X 0 0 0 JOSEPHINE GIOMETTI 1.00 X X 0 0 0 ROBERT APPLEGATE 1.00 X 0 0 0 SEAN WHELAN 1.00 X 0 0 0 DEAN ALEXANDER 1.00 X 0 0 0 JOE LODUCA 1.00 X X 0 0 0 YOLANDA SOLARI 1.00 X 0 0 0 HUGH WINDSOR 1.00 X 0 0 0 DAVID SILVESTRI 40.00 X 211379 0 38307 PATRICIA JACKSON 40.00 X 129099 0 26408 340478 0 64715 2 0 1 0 DIEBOLD INCORPORATED PO BOX 644399 PITTSBURG PA 15264 ATM SERVICES, CARD PROCESSOR 576064 JACK HENRY & ASSOCIATE PO BOX 503328 ST LOUIS MO 63150 SYMITAR CORE SYSTEM 216403 BIT LLC 710 SW 34TH ST RENTON WA 98057 STATEMENT PROCESSOR 113218 3 LOAN INCOME 900099 5573144 5573144 FEE & CHARGES INCOME 900099 2068478 2044302 24176 OTHER INCOME 900099 463975 380958 83017 8105597 551956 551956 2000000 12153 2008656 -8656 12153 3497 3497 8661050 7998404 107193 555453 899421 405193 1738978 84685 183101 153668 17400 43200 423307 153498 390280 137344 472596 59071 568573 378238 LOAN SERVICING 1481822 OFFICE OPERATIONS 654729 LOAN WRITEDOWN 65022 STATE ASSESSMENT FEES 13388 10641 8334155 2050857 2008683 2485889 3286243 88786820 88270058 635386 555087 14364137 8350156 6513807 6013981 19798406 20697754 17157860 16042963 2212788 2204035 139641813 139078804 498540 488421 126330621 125527358 126829161 126015779 X 0 0 0 0 12812652 13063025 12812652 13063025 139641813 139078804 X 326895 -93834 X 0 1 1 X 0 1061871 1061871 5413239 2224349 3188890 491555 327535 164020 6806120 5398193 1407927 591352 400079 191273 6013981 DEPOSIT IN CORP CREDIT UNION 15212383 C OTHER INVESTMENTS 830580 C 16042963 MEMBER SHARE DEPOSITS 125527358 125527358 X 1 1 X X X 0 0 0 DAVID SILVESTRI 173264 0 38115 0 0 0 13324 0 24983 0 249686 0 0 0 PATRICIA JACKSON 129099 0 0 0 0 0 8629 0 17779 0 155507 0 0 0 PART I, LINE 1A A FITNESS HEALTH CLUB MONTHLY MEMBERSHIP FEE IS PAID BY THE ORGANIZATION FOR THE CEO. NO AMOUNT IS TREATED AS TAXABLE COMPENSATION. FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION'S MEMBERS HAVE RIGHTS TO ELECT THE MEMBERS OF THE GOVERNING BODY. THE CREDIT UNION'S MEMBERS ALSO RECEIVE A SHARE OF THE ORGANIZATION'S PROFITS OR EXCESS DUES IN THE FORM OF CASH DIVIDENDS. FORM 990, PART VI, SECTION A, LINE 7A MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, OR AS VACANCIES ARISE, OR OTHERWISE. FORM 990, PART VI, SECTION A, LINE 7B MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR. FORM 990, PART VI, SECTION B, LINE 11 THE FORM 990 WILL BE REVIEWED FOR ACCURACY BY MANAGEMENT. THE 990 WILL ALSO BE PRESENTED TO THE BOARD OF DIRECTORS BEFORE ITS FILING. FORM 990, PART VI, SECTION B, LINE 12C THE CREDIT UNION DOES NOT PERMIT ITS STAFF TO MAKE TRANSACTIONS ON THEIR ACCOUNTS OR THE ACCOUNTS OF THEIR FAMILY MEMBERS. THE STAFF IS ALSO REQUIRED TO LET THE CREDIT UNION KNOW IF THEY HAVE A SECOND JOB. EACH YEAR, THE STAFF IS REQUIRED TO READ AND SIGN THE PERSONNEL POLICY WHICH INCLUDES A CONFLICT OF INTEREST CLAUSE. FORM 990, PART VI, SECTION B, LINE 15 CENTRAL STATE CREDIT UNION USES COMPARABLE DATA FROM INDEPENDENT COMPENSATION SURVEYS TO PRESENT TO THE BOARD OF DIRECTORS BENEFITS COMMITTEE FOR RECOMMENDATION TO THE FULL BOARD OF DIRECTORS. FORM 990, PART VI, SECTION C, LINE 19 - WE POST OUR FINANCIAL STATEMENT AND BUSINESS LICENSE FOR THE PUBLIC IN OUR LOBBY. FOR ADDITIONAL INFORMATION, THE BRANCH WILL CONTACT THE ACCOUNTING DEPARTMENT AND THEY WILL FAX OVER THE DOCUMENTS UPON REQUEST. - THE CONFLICT OF INTEREST POLICY IS NOT AVAILABLE FOR THE PUBLIC. CHANGES IN NET ASSETS OR FUND BALANCES: FORM 990, PART XI, LINE 5: NET UNREALIZED LOSSES ON INVESTMENTS: -93,834. FORM 990, PART IV, LINE 12 FINANCIAL STATEMENTS WERE AUDITED FOR THE FISCAL YEAR ENDING 6/30/2010 AND 6/30/2011.