Civic Intelligence

Credit Union Self-Insured Group of California

990 • Fiscal year 2014 • EIN 20-0406647

Jan 01, 2014 to Dec 31, 2014 • Filed on May 11, 2015

Organization Profilewww.affinitygroupadmin.com
PO Box 7138Folsom, CA 95763

(916) 983-3387

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

83rd percentile

0.59x

Higher debt load relative to assets than 83% of similar nonprofits.

2014 filings • 501(c)6 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

95th percentile

2.49x

Higher debt load relative to revenue than 95% of similar nonprofits.

2014 filings • 501(c)6 • $10M-$25M nonprofits • Source year 2014

Net Margin

93rd percentile

40%

Higher net margin than 93% of similar nonprofits.

2014 filings • 501(c)6 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

7th percentile

$0

Higher top officer pay than 7% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2014 filings • 501(c)6 • $10M-$25M nonprofits • Source year 2014

Asset Growth

72nd percentile

12%

Faster asset growth than 72% of similar nonprofits.

2014 filings • 501(c)6 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Revenue Growth

77th percentile

14%

Faster revenue growth than 77% of similar nonprofits.

2014 filings • 501(c)6 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets83rd percentile

Assets

Up

$19,199,536

Up $2,000,390 (+12%) from 2013

Net Assets

Up

$7,870,710

Up $1,843,305 (+31%) from 2013

Liabilities

Up

$11,328,826

Up $157,085 (+1.4%) from 2013

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin93rd percentile

Revenue

Up

$4,556,616

Up $549,886 (+14%) from 2013

Expenses

Up

$2,713,311

Up $296,647 (+12%) from 2013

Net Income

Up

$1,843,305

Up $253,239 (+16%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth72nd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$40M$30M$20M$10M$0Assets 2010: $11,566,342Liabilities 2010: $7,504,927Net Assets 2010: $4,061,4152010Assets 2011: $12,229,362Liabilities 2011: $8,480,223Net Assets 2011: $3,749,1392011Assets 2012: $13,703,582Liabilities 2012: $9,266,243Net Assets 2012: $4,437,3392012Assets 2013: $17,199,146Liabilities 2013: $11,171,741Net Assets 2013: $6,027,4052013Assets 2014: $19,199,536Liabilities 2014: $11,328,826Net Assets 2014: $7,870,7102014Assets 2015: $21,266,038Liabilities 2015: $11,427,720Net Assets 2015: $9,838,3182015Assets 2016: $23,830,350Liabilities 2016: $13,232,944Net Assets 2016: $10,597,4062016Assets 2017: $26,158,774Liabilities 2017: $11,877,756Net Assets 2017: $14,281,0182017Assets 2018: $27,013,763Liabilities 2018: $9,459,919Net Assets 2018: $17,553,8442018Assets 2019: $29,736,529Liabilities 2019: $7,541,487Net Assets 2019: $22,195,0422019Assets 2020: $31,399,883Liabilities 2020: $7,255,195Net Assets 2020: $24,144,6882020Assets 2021: $33,798,400Liabilities 2021: $6,442,414Net Assets 2021: $27,355,9862021Assets 2022: $30,294,565Liabilities 2022: $6,953,105Net Assets 2022: $23,341,4602022Assets 2023: $31,606,614Liabilities 2023: $5,448,261Net Assets 2023: $26,158,3532023Assets 2024: $32,224,735Liabilities 2024: $4,629,926Net Assets 2024: $27,594,8092024

Highlighted filing

2014

Assets$19,199,536
Liabilities$11,328,826
Net Assets$7,870,710
Open 2014 Filing

Operations Trend

Revenue Growth77th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$6.0M$4.0M$2.0M$0Expenses 2010: $3,359,4452010Expenses 2011: $3,380,0942011Expenses 2012: $3,073,9532012Revenue 2013: $4,006,730Expenses 2013: $2,416,664Net Income 2013: $1,590,0662013Revenue 2014: $4,556,616Expenses 2014: $2,713,311Net Income 2014: $1,843,3052014Revenue 2015: $4,829,627Expenses 2015: $2,814,830Net Income 2015: $2,014,7972015Revenue 2016: $5,272,519Expenses 2016: $4,351,634Net Income 2016: $920,8852016Revenue 2017: $4,040,895Expenses 2017: $914,499Net Income 2017: $3,126,3962017Revenue 2018: $4,455,998Expenses 2018: $287,650Net Income 2018: $4,168,3482018Revenue 2019: $3,848,368Expenses 2019: $979,823Net Income 2019: $2,868,5452019Revenue 2020: $4,011,574Expenses 2020: $2,312,731Net Income 2020: $1,698,8432020Revenue 2021: $3,836,752Expenses 2021: $1,358,406Net Income 2021: $2,478,3462021Revenue 2022: $2,302,249Expenses 2022: $1,353,419Net Income 2022: $948,8302022Revenue 2023: $3,245,954Expenses 2023: $2,080,814Net Income 2023: $1,165,1402023Revenue 2024: $2,753,093Expenses 2024: $1,455,018Net Income 2024: $1,298,0752024

Highlighted filing

2014

Revenue$4,556,616
Expenses$2,713,311
Net Income$1,843,305
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 11, 2015
Return Version
2014v5.0
Gross Receipts
$4,556,616
Mission and Program Overview

Mission

As an organization established for the exclusive support of exempt credit unions, it provides California Credit Unions with a low-cost alternative to workers' compensation insurance.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$6,370,067$8,501,531▲ $2,131,464
Rtn Earn Endowment Incm Other Fnds$6,027,405$7,745,710▲ $1,718,305
Accounts Receivable$1,749,494$1,509,914▼ $239,580
Investments in Publicly Traded Securities$732,070$1,029,209▲ $297,139
Cash and Non-Interest-Bearing Accounts$500,911$632,499▲ $131,588
Pd in Cap Srpls Land Bldg Eqp Fund-$125,000-
Prepaid Expenses and Deferred Charges$17,871$18,961▲ $1,090
Savings and Temporary Cash Investments-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$17,199,146$19,199,536▲ $2,000,390
Other Assets Total$7,828,733$7,507,422▼ $321,311
Liabilities
Other Liabilities$11,171,741$11,313,079▲ $141,338
Accounts Payable and Accrued Expenses-$15,747-
Total Liabilities$11,171,741$11,328,826▲ $157,085
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,027,405$7,870,710▲ $1,843,305
Total Liabilities and Net Assets / Fund Balance$17,199,146$19,199,536▲ $2,000,390

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$7,507,422--
Compensation and Service Providers
Top Officer Pay7th percentile

Board Members and Trustees

NameTitle
Lisa PestaChairman
Tom GrayPast Chair
Leanne GiblinVice Chair
Art SchwartzMember at Large
Virginia WadeSecretary
Kevin CarlsonTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Risk Statregies CompanyBroker160 Federal Street, Boston, MA 02110$470,052
Affinity Group AdministratorsProgram Admin.1568 Creekside Drive Suite 106, Folsom, CA 95630$339,366
Acclamation Insurance Management ServicesClaims Handling10445 Old Placerville Rd, Sacramento, CA 95827$109,870
Allied Managed CareClaims Handling10445 Old Placerville Rd, Sacramento, CA 95827-
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,395,979
Investment Income
$35,637
Other Revenue
$125,000
Change in Net Assets
$1,843,305

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,556,616
Total Revenue per Audited Statements
$4,556,616
Total Revenue per Form 990
$4,556,616
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,713,311
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses$231,832$64,801-$296,633
All Other Expenses$254,986$27,818-$282,804
Total Functional Expenses$2,620,692$92,619$0$2,713,311

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,713,311
Total Expenses per Audited Statements$2,713,311
Total Expenses per Form 990$2,713,311
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Incurred But Not Reported$5,450,674
Incurred Loss Payable$3,458,376
Members' Security Fund Deposits$1,282,983
Unallocated Loss Adjustment Payable$1,115,857
Payable to Members$5,189
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Line 3: Description of Delegated Duties to Management Company

“Day to day program administration including receipts and disbursements processing was delegated to a management company.”

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“Members comprise of California Credit Unions”

Form 990, Part VI, Line 11B: Form 990 Review Process

“Form 990 is reviewed by the management company based on audited financial statements approved by the governing board.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“The organization's governing documents,conflict of interest policy,and financial statements are not available to the public.”

Filing and Contact Details

Filer

Filer Name
Credit Union Self-Insured Group
EIN
20-0406647
Phone
9169833387
Address
PO Box 7138, Folsom, CA 95763

Signing Officer

Name
Clay Jackson
Title
Group Administrator
Signed
2015-05-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Clay Jackson
Formed
2004
Legal Domicile
CA
Voting Board Members
6
Independent Board Members
5
Employees
0
Volunteers
5

Preparer

Firm
James Marta & Co Llp
Address
701 HOWE AVE STE E3, SACRAMENTO, CA 95825-4688
Preparer
Alana N Theiss
Phone
9169939494
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E: Other Expenses

“Claims Handling: Column (A) - Total = $200386; Column (B) - Program Services = $200386; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Other Expenses: Column (A) - Total = $52178; Column (B) - Program Services = $24360; Column (C) - Management & General = $27818; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Rounding: Column (A) - Total = $0; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“State workers' comp assessment: Column (A) - Total = $30240; Column (B) - Program Services = $30240; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Raw XML AppendixShowing 400 of 408 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/OtherExpensesGrp/ProgramServicesAmt2330931
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt018961
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IRS990/PYOtherExpensesAmt02416664
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IRS990/PYRevenuesLessExpensesAmt01590066
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IRS990/ReportOtherLiabilitiesInd0true
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IRS990/RevenueAmt04431613
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
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IRS990ScheduleD/ExpensesSubtotalAmt02713311
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt07507422
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt13458376
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt21282983
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt35189
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Day to day program administration including receipts and disbursements processing was delegated to a management company.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members comprise of California Credit Unions
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Form 990 is reviewed by the management company based on audited financial statements approved by the governing board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The organization's governing documents,conflict of interest policy,and financial statements are not available to the public.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Claims Handling: Column (A) - Total = $200386; Column (B) - Program Services = $200386; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Other Expenses: Column (A) - Total = $52178; Column (B) - Program Services = $24360; Column (C) - Management & General = $27818; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Rounding: Column (A) - Total = $0; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7State workers' comp assessment: Column (A) - Total = $30240; Column (B) - Program Services = $30240; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 3: Description of Delegated Duties to Management Company
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 24e: Other Expenses
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IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0www.affinitygroupadmin.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Clay Jackson
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Group Administrator
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-05-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Credit Union Self-Insured Group
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0of California
ReturnHeader/Filer/BusinessNameControlTxt0CRED
ReturnHeader/Filer/EIN0200406647
ReturnHeader/Filer/PhoneNum09169833387
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 7138
ReturnHeader/Filer/USAddress/CityNm0Folsom
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd095763
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0JAMES MARTA & CO LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0701 HOWE AVE STE E3
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SACRAMENTO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$19,199,536
Liabilities
$11,328,826
Net assets
$7,870,710
Revenue
$4,556,616
Expenses
$2,713,311
Net income
$1,843,305
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$32.2$4.63$27.6$2.75$1.46$1.30
2023Detailed filing. Detailed filing data is available for this year.$31.6$5.45$26.2$3.25$2.08$1.17
2022Detailed filing. Detailed filing data is available for this year.$30.3$6.95$23.3$2.30$1.35$0.95
2021Detailed filing. Detailed filing data is available for this year.$33.8$6.44$27.4$3.84$1.36$2.48
2020Detailed filing. Detailed filing data is available for this year.$31.4$7.26$24.1$4.01$2.31$1.70
2019Detailed filing. Detailed filing data is available for this year.$29.7$7.54$22.2$3.85$0.98$2.87
2018Detailed filing. Detailed filing data is available for this year.$27.0$9.46$17.6$4.46$0.29$4.17
2017Detailed filing. Detailed filing data is available for this year.$26.2$11.9$14.3$4.04$0.91$3.13
2016Detailed filing. Detailed filing data is available for this year.$23.8$13.2$10.6$5.27$4.35$0.92
2015Detailed filing. Detailed filing data is available for this year.$21.3$11.4$9.84$4.83$2.81$2.01
2014Detailed filing. Detailed filing data is available for this year.$19.2$11.3$7.87$4.56$2.71$1.84
2013Detailed filing. Detailed filing data is available for this year.$17.2$11.2$6.03$4.01$2.42$1.59
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.7$9.27$4.44$3.07
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.2$8.48$3.75$3.38
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.6$7.50$4.06$3.36