Civic Intelligence

California'S Valued Trust

990 • Fiscal year 2017 • EIN 77-6009955

Oct 01, 2016 to Sep 30, 2017 • Filed on Apr 08, 2018

Organization Profilewww.cvtrust.org

View Organization Page

520 E Herndon AveFresno, CA 93720

(559) 437-2960

Siviq Scores

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

Liabilities / Assets

86th percentile

0.47x

Higher debt load relative to assets than 86% of similar nonprofits.

2017 filings • 501(c)9 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

55th percentile

0.09x

Higher debt load relative to revenue than 55% of similar nonprofits.

2017 filings • 501(c)9 • $250M-$1B nonprofits • Source year 2017

Net Margin

44th percentile

2.6%

Higher net margin than 44% of similar nonprofits.

2017 filings • 501(c)9 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

71st percentile

$258,833

Higher top officer pay than 71% of similar nonprofits.

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

2017 filings • 501(c)9 • $250M-$1B nonprofits • Source year 2017

Asset Growth

80th percentile

18%

Faster asset growth than 80% of similar nonprofits.

2017 filings • 501(c)9 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

52nd percentile

6.8%

Faster revenue growth than 52% of similar nonprofits.

2017 filings • 501(c)9 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$157,830,155

Up $24,252,369 (+18%) from 2016

Net Assets

Up

$84,261,955

Up $25,909,638 (+44%) from 2016

Liabilities

Down

$73,568,200

Down $1,657,269 (-2.2%) from 2016

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin44th percentile

Revenue

Up

$802,457,397

Up $50,974,916 (+6.8%) from 2016

Expenses

Up

$781,429,149

Up $24,607,077 (+3.3%) from 2016

Net Income

Up

$21,028,248

Up $26,367,839 (+494%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth80th percentile

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

$300M$200M$100M$0Assets 2010: $105,960,246Liabilities 2010: $50,715,638Net Assets 2010: $55,244,6082010Assets 2011: $114,279,129Liabilities 2011: $57,044,713Net Assets 2011: $57,234,4162011Assets 2012: $114,075,587Liabilities 2012: $43,708,700Net Assets 2012: $70,366,8872012Assets 2013: $141,897,238Liabilities 2013: $51,582,294Net Assets 2013: $90,314,9442013Assets 2014: $139,084,972Liabilities 2014: $65,779,776Net Assets 2014: $73,305,1962014Assets 2015: $136,602,572Liabilities 2015: $78,394,637Net Assets 2015: $58,207,9352015Assets 2016: $133,577,786Liabilities 2016: $75,225,469Net Assets 2016: $58,352,3172016Assets 2017: $157,830,155Liabilities 2017: $73,568,200Net Assets 2017: $84,261,9552017Assets 2018: $157,635,073Liabilities 2018: $78,001,519Net Assets 2018: $79,633,5542018Assets 2019: $161,910,543Liabilities 2019: $68,453,435Net Assets 2019: $93,457,1082019Assets 2020: $207,508,043Liabilities 2020: $64,504,329Net Assets 2020: $143,003,7142020Assets 2021: $240,041,607Liabilities 2021: $77,865,346Net Assets 2021: $162,176,2612021Assets 2022: $240,185,223Liabilities 2022: $88,806,247Net Assets 2022: $151,378,9762022Assets 2023: $254,768,905Liabilities 2023: $99,309,008Net Assets 2023: $155,459,8972023Assets 2024: $236,142,276Liabilities 2024: $107,383,040Net Assets 2024: $128,759,2362024Assets 2025: $196,659,654Liabilities 2025: $113,059,122Net Assets 2025: $83,600,5322025

Highlighted filing

2017

Assets$157,830,155
Liabilities$73,568,200
Net Assets$84,261,955
Open 2017 Filing

Operations Trend

Revenue Growth52nd percentile

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

$1.0B$500M$0-$500MExpenses 2010: $528,184,5642010Expenses 2011: $551,936,8892011Expenses 2012: $521,241,6752012Expenses 2013: $525,863,1042013Revenue 2014: $584,088,020Expenses 2014: $605,997,525Net Income 2014: -$21,909,5052014Revenue 2015: $687,528,785Expenses 2015: $692,558,146Net Income 2015: -$5,029,3612015Revenue 2016: $751,482,481Expenses 2016: $756,822,072Net Income 2016: -$5,339,5912016Revenue 2017: $802,457,397Expenses 2017: $781,429,149Net Income 2017: $21,028,2482017Revenue 2018: $825,409,131Expenses 2018: $828,662,858Net Income 2018: -$3,253,7272018Revenue 2019: $831,031,329Expenses 2019: $817,725,860Net Income 2019: $13,305,4692019Revenue 2020: $805,304,048Expenses 2020: $754,880,529Net Income 2020: $50,423,5192020Revenue 2021: $831,896,361Expenses 2021: $825,113,435Net Income 2021: $6,782,9262021Revenue 2022: $775,584,606Expenses 2022: $753,539,698Net Income 2022: $22,044,9082022Revenue 2023: $807,561,352Expenses 2023: $817,257,825Net Income 2023: -$9,696,4732023Revenue 2024: $846,775,532Expenses 2024: $898,191,185Net Income 2024: -$51,415,6532024Revenue 2025: $917,130,736Expenses 2025: $961,368,515Net Income 2025: -$44,237,7792025

Highlighted filing

2017

Revenue$802,457,397
Expenses$781,429,149
Net Income$21,028,248
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2016 to Sep 30, 2017
Signed
Apr 8, 2018
Return Version
2016v3.1
Gross Receipts
$821,274,394
Mission and Program Overview

Mission

To provide health and welfare benefits for eligible employees, retirees and their dependents.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$65,990,558$89,463,504▲ $23,472,946
Rtn Earn Endowment Incm Other Fnds$58,352,317$84,261,955▲ $25,909,638
Investments Other Securities$41,278,936$42,101,499▲ $822,563
Accounts Receivable$23,724,628$22,410,181▼ $1,314,447
Land, Buildings, and Equipment, Net$2,348,374$2,264,762▼ $83,612
Savings and Temporary Cash Investments$243$1,391,468▲ $1,391,225
Prepaid Expenses and Deferred Charges$234,444$198,138▼ $36,306
Cash and Non-Interest-Bearing Accounts$603$603→ $0
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$133,577,786$157,830,155▲ $24,252,369
Other Assets Total$0$0→ $0
Liabilities
Other Liabilities$54,677,437$62,885,698▲ $8,208,261
Deferred Revenue$9,350,770$8,980,623▼ $370,147
Accounts Payable and Accrued Expenses$11,197,262$1,701,879▼ $9,495,383
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$75,225,469$73,568,200▼ $1,657,269
Net Assets / Fund Balance
Total Net Assets Fund Balance$58,352,317$84,261,955▲ $25,909,638
Total Liabilities and Net Assets / Fund Balance$133,577,786$157,830,155▲ $24,252,369

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$529,516$2,205,541$2,735,057
Buildings$704,982$842,628$1,547,610
Land$1,012,000-$1,012,000
Leasehold Improvements$18,264$11,179$29,443
Other Securities$2,247,634--
Compensation and Service Providers
Top Officer Pay71st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Valerie CornuelleExecutive DirectorFT$223,072$35,761$258,833
Robert PowersDirector of Financial ServicesFT$147,455$30,213$177,668
Brook PaulsenIt ManagerFT$108,485$27,361$135,846
John MedearisBusiness Systems AnalystFT$102,299$26,909$129,208
Anthony ParreiraTrustee--$227$227
Chad WoodTrustee--$227$227
Debra ColeTrustee--$227$227
Elaine CashTrustee--$227$227
Elizabeth ZuluetaTrustee--$227$227
John PestorichTrustee--$227$227
Keith PaceTrustee--$227$227
Larry YeghoianTrustee--$227$227
Nancy SmithTrustee--$227$227
Sue EusticeTrustee--$227$227

Board Members and Trustees

NameTitle
Carole Anne LuckenbachTrustee
chuck kingTrustee

Highest Paid Contractors

ContractorServicesLocationCompensation
Anthem Blue Crossclaims admin service11050 Olson Dr Ste 110, Rancho Cordova, CA 95670$17,425,605
Delta DentalClaims admin service100 First St 6th Fl, San Francisco, CA 94105$3,580,179
health compclaims admin servicepo box 45018, Fresno, CA 93718$1,568,613
Blue Shield of CaliforniaClaims Admin Service50 Beale St, San Francisco, CA 94105$1,414,051
Vision Service Planclaims admin service3333 Quality Dr, Rancho Cordova, CA 95670$894,589
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$796,276,297
Investment Income
$5,778,446
Other Revenue
$402,654
Change in Net Assets
$21,028,248

Audited Revenue Reconciliation

Revenue per Audited Statements
$764,873,225
Revenue Not Reported on Financial Statements
$37,584,172
Revenue Not Reported on Form 990
$4,881,390
Other Revenue Adjustments
$37,425,594
Total Revenue per Audited Statements
$769,754,615
Total Revenue per Form 990
$802,457,397
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$33,712,223
Salaries, Compensation, and Employee Benefits$4,215,305
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$743,501,621
Fees for Services Other---$30,685,491
Other Salaries and Wages---$2,524,781
Other Employee Benefits---$849,239
Other Expenses---$766,603
Office Expenses---$639,767
Current Officers, Directors, Trustees, and Key Employees---$441,541
Fees for Services Legal---$263,472
Depreciation Depletion---$235,025
Payroll Taxes---$229,722
Travel---$207,865
Conferences and Meetings---$192,097
Pension Plan Contributions---$170,022
Fees for Service Investment Mgmnt Fees---$158,578
Advertising---$143,651
Occupancy---$134,445
Insurance---$115,195
Fees for Services Accounting---$112,731
Information Technology---$57,303
Total Functional Expenses$0$0$0$781,429,149

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$781,429,149
Expenses per Audited Statements$774,097,153
Total Expenses per Audited Statements$736,671,559
Expenses Not Reported on Financial Statements$7,331,996
Other Expense Adjustments$7,173,418
Expenses Not Reported on Form 990$-37,425,594
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

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

Loans and Receivables

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

Other Reported Liabilities

LiabilityAmount
Not Paid$58,516,160
Postretirement Benefit Cost$2,650,800
Obligations for Benefit of Others$1,718,738
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI, Section B, Line 11B:

“A copy of the form 990 was provided to the PLAN's governing body prior to the form 990 being filed. the form 990 was reviewed by the PLAN's audit committee and the director of FINANCIAL SERVICES before it was filed. Part VI, Section B, Line 12C: At least annually, directors and other fiduciaries are asked to disclose any relationships or interests that could give rise to a conflict. If there is a conflict of interest, the conflicting interest is fully disclosed and documented in writing. The director or fiduciary with the conflict of interest is excluded from the discussion and approval of such transactions; the board determines if the transaction is in the best interest of the PLAN, and the terms of the transaction are fair with respect to terms available through arms-length transactions in the marketplace. Part VI, Section B, Line 15: Compensation for the executive director was approved by the board of trustees in 2015. Part VI, Section C, Line 19: The PLAN makes its governing documents, conflict of interest policy and financial statements available to the public upon request. PART VII, SECTION A, COLUMN E: Any trustees' compensation and/or benefits from the related tax-exempt organizations are available at the Trust Office. Part XII, Line 2C: The audit committee assumes responsibility for oversight of both the audit and the selection of the Certified Public Accountants that audit the Plan's financial statements. The full board annually approves the audit and any change to the Certified Public Accountants.”

Filing and Contact Details

Filer

Filer Name
California's Valued Trust
EIN
77-6009955
In Care Of
% ROBERT POWERS
Phone
5594372960
Address
520 E Herndon Ave, Fresno, CA 93720

Signing Officer

Name
Valerie Cornuelle
Title
executive director
Phone
5594372960
Signed
2018-04-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Valerie Cornuelle
Formed
1984
Legal Domicile
CA
Voting Board Members
12
Independent Board Members
7
Employees
38
Volunteers
0

Preparer

Firm
Miller Kaplan Arase Llp
Address
TWO EMBARCADERO CTR STE 2280, SAN FRANCISCO, CA 94111-3916
Preparer
Catherine Gardner
Phone
4159563600
Supplemental Narrative

Financial Statement Notes

Part X, Line 2:

“Accounting principles generally accepted in the united states of america require management to evaluate tax positions taken by the plan and recognize a tax liability if the plan has taken a tax position that more likely than not would not be sustained upon examination by a tax authority. The plan is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress.”

PART XI, LINE 4B:

“Stop-loss reimbursements $ 4,628,008 drug rebates 32,797,586 total 37,425,594 part xii, line 2d: stop-loss reimbursements ($ 4,628,008) drug rebates ( 32,797,586) total ( 37,425,594) part xii, line 4b: change in benefit obligations $ 7,173,418”

Raw XML AppendixShowing 400 of 593 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/Form990PartVIISectionAGrp/PersonNm7John Pestorich
IRS990/Form990PartVIISectionAGrp/PersonNm8Larry Yeghoian
IRS990/Form990PartVIISectionAGrp/PersonNm9Debra Cole
IRS990/Form990PartVIISectionAGrp/PersonNm10Anthony Parreira
IRS990/Form990PartVIISectionAGrp/PersonNm11Keith Pace
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IRS990/Form990PartVIISectionAGrp/TitleTxt12Executive Director
IRS990/Form990PartVIISectionAGrp/TitleTxt13Dir. of Financial Services
IRS990/Form990PartVIISectionAGrp/TitleTxt14IT MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt15BUSINESS SYSTEMS ANALYST
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Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$157,830,155
Liabilities
$73,568,200
Net assets
$84,261,955
Revenue
$802,457,397
Expenses
$781,429,149
Net income
$21,028,248
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$197$113$83.6$917$961$44.2
2024Detailed filing. Detailed filing data is available for this year.$236$107$129$847$898$51.4
2023Detailed filing. Detailed filing data is available for this year.$255$99.3$155$808$817$9.70
2022Detailed filing. Detailed filing data is available for this year.$240$88.8$151$776$754$22.0
2021Detailed filing. Detailed filing data is available for this year.$240$77.9$162$832$825$6.78
2020Detailed filing. Detailed filing data is available for this year.$208$64.5$143$805$755$50.4
2019Detailed filing. Detailed filing data is available for this year.$162$68.5$93.5$831$818$13.3
2018Detailed filing. Detailed filing data is available for this year.$158$78.0$79.6$825$829$3.25
2017Detailed filing. Detailed filing data is available for this year.$158$73.6$84.3$802$781$21.0
2016Detailed filing. Detailed filing data is available for this year.$134$75.2$58.4$751$757$5.34
2015Detailed filing. Detailed filing data is available for this year.$137$78.4$58.2$688$693$5.03
2014Detailed filing. Detailed filing data is available for this year.$139$65.8$73.3$584$606$21.9
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$142$51.6$90.3$526
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$114$43.7$70.4$521
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$114$57.0$57.2$552
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$106$50.7$55.2$528