Civic Intelligence

Credit Unions in State of Arizona

990 • Fiscal year 2015 • EIN 86-0108241

Jan 01, 2015 to Dec 31, 2015 • Filed on May 10, 2016

Organization ProfileWWW.CUWEST.ORG

View Organization Page

PO Box 7600Glendale, AZ 85312

(602) 631-3200

Siviq Scores

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

Liabilities / Assets

61st percentile

0.90x

Higher debt load relative to assets than 61% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

41st percentile

17.41x

Higher debt load relative to revenue than 41% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

24th percentile

8.2%

Higher net margin than 24% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

71st percentile

$493,119

Higher top officer pay than 71% of similar nonprofits.

Top officer pay equals 1.6% of source-year revenue.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

68th percentile

8.5%

Faster asset growth than 68% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

5th percentile

-4.9%

Faster revenue growth than 5% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets61st percentile

Assets

Up

$595,812,152

Up $46,577,765 (+8.5%) from 2014

Net Assets

Up

$58,647,384

Up $2,265,512 (+4.0%) from 2014

Liabilities

Up

$537,164,768

Up $44,312,253 (+9.0%) from 2014

Revenue And Expenses
Liabilities / Revenue41st percentileNet Margin24th percentile

Revenue

Down

$30,850,556

Down $1,583,793 (-4.9%) from 2014

Expenses

Up

$28,335,335

Up $1,915,323 (+7.2%) from 2014

Net Income

Down

$2,515,221

Down $3,499,116 (-58%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth68th percentile

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

$1.5B$1.0B$500M$0Assets 2010: $414,019,525Liabilities 2010: $382,777,497Net Assets 2010: $31,242,0282010Assets 2011: $450,093,502Liabilities 2011: $414,351,801Net Assets 2011: $35,741,7012011Assets 2012: $484,148,361Liabilities 2012: $440,041,279Net Assets 2012: $44,107,0822012Assets 2013: $512,584,795Liabilities 2013: $461,096,763Net Assets 2013: $51,488,0322013Assets 2014: $549,234,387Liabilities 2014: $492,852,515Net Assets 2014: $56,381,8722014Assets 2015: $595,812,152Liabilities 2015: $537,164,768Net Assets 2015: $58,647,3842015Assets 2016: $643,849,278Liabilities 2016: $581,719,534Net Assets 2016: $62,129,7442016Assets 2017: $674,766,463Liabilities 2017: $607,681,921Net Assets 2017: $67,084,5422017Assets 2018: $714,248,010Liabilities 2018: $640,248,970Net Assets 2018: $73,999,0402018Assets 2019: $772,531,216Liabilities 2019: $690,107,370Net Assets 2019: $82,423,8462019Assets 2020: $921,242,904Liabilities 2020: $831,580,369Net Assets 2020: $89,662,5352020Assets 2021: $1,059,321,576Liabilities 2021: $961,725,577Net Assets 2021: $97,595,9992021Assets 2022: $1,117,757,318Liabilities 2022: $1,014,492,447Net Assets 2022: $103,264,8712022Assets 2023: $1,206,329,192Liabilities 2023: $1,090,583,497Net Assets 2023: $115,745,6952023Assets 2024: $1,299,512,297Liabilities 2024: $1,171,816,104Net Assets 2024: $127,696,1932024

Highlighted filing

2015

Assets$595,812,152
Liabilities$537,164,768
Net Assets$58,647,384
Open 2015 Filing

Operations Trend

Revenue Growth5th percentile

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

$100M$50M$0Expenses 2010: $30,063,5432010Expenses 2011: $23,852,2812011Expenses 2012: $23,379,1652012Revenue 2013: $31,408,760Expenses 2013: $22,611,604Net Income 2013: $8,797,1562013Revenue 2014: $32,434,349Expenses 2014: $26,420,012Net Income 2014: $6,014,3372014Revenue 2015: $30,850,556Expenses 2015: $28,335,335Net Income 2015: $2,515,2212015Revenue 2016: $32,997,204Expenses 2016: $29,051,949Net Income 2016: $3,945,2552016Revenue 2017: $36,257,053Expenses 2017: $31,196,552Net Income 2017: $5,060,5012017Revenue 2018: $40,724,172Expenses 2018: $34,616,004Net Income 2018: $6,108,1682018Revenue 2019: $42,894,881Expenses 2019: $36,802,960Net Income 2019: $6,091,9212019Revenue 2020: $45,503,288Expenses 2020: $39,317,097Net Income 2020: $6,186,1912020Revenue 2021: $47,143,966Expenses 2021: $38,979,860Net Income 2021: $8,164,1062021Revenue 2022: $55,137,534Expenses 2022: $40,867,916Net Income 2022: $14,269,6182022Revenue 2023: $73,825,794Expenses 2023: $60,343,158Net Income 2023: $13,482,6362023Revenue 2024: $93,524,656Expenses 2024: $81,317,971Net Income 2024: $12,206,6852024

Highlighted filing

2015

Revenue$30,850,556
Expenses$28,335,335
Net Income$2,515,221
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 10, 2016
Return Version
2015v2.0
Gross Receipts
$30,850,556
Mission and Program Overview

Mission

To inspire our members, employees and communities to achieve their financial goals and enhance their quality of life.

Providing loans/services to credit union members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$399,687,224$440,315,774▲ $40,628,550
Investments Other Securities$44,316,275$84,231,115▲ $39,914,840
Rtn Earn Endowment Incm Other Fnds$56,381,872$58,647,384▲ $2,265,512
Cash and Non-Interest-Bearing Accounts$24,196,301$27,516,234▲ $3,319,933
Land, Buildings, and Equipment, Net$16,329,933$18,890,385▲ $2,560,452
Accounts Receivable$10,639,229$2,496,535▼ $8,142,694
Receivables From Officers Etc-$1,824,575-
Prepaid Expenses and Deferred Charges$3,614,738$884,336▼ $2,730,402
Savings and Temporary Cash Investments-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$549,234,387$595,812,152▲ $46,577,765
Other Assets Total$50,450,687$19,653,198▼ $30,797,489
Liabilities
Other Liabilities$485,231,883$527,086,355▲ $41,854,472
Accounts Payable and Accrued Expenses$7,620,632$10,078,413▲ $2,457,781
Total Liabilities$492,852,515$537,164,768▲ $44,312,253
Net Assets / Fund Balance
Total Net Assets Fund Balance$56,381,872$58,647,384▲ $2,265,512
Total Liabilities and Net Assets / Fund Balance$549,234,387$595,812,152▲ $46,577,765

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$8,100,752$2,180,411$10,281,163
Other Land Buildings$3,408,490$6,069,914$9,478,404
Land$7,259,040-$7,259,040
Leasehold Improvements$122,103$1,491,369$1,613,472
Compensation and Service Providers
Top Officer Pay71st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert W MacgregorPresident & CEOFT$328,287$164,832$493,119
David W SmithSr VP / CGCFT$179,711$114,473$294,184
Karen RochExecutive VPFT$195,074$96,528$291,602
Robert BirrVP CLOFT$156,842$94,665$251,507
Scott GrundyCIOFT$150,369$90,902$241,271
Debbie WinterVP Branch OperationsFT$132,240$89,008$221,248
Diana CruzVP Enterprise RiskFT$144,586$63,372$207,958
Pamela L ChanCFOFT$155,787$52,119$207,906
Jody BlossLoan ManagerFT$109,656$17,962$127,618
Nicholas FieldsonFinancial PlanningFT$107,819$11,326$119,145
Danielle GreenSenior Br MgrFT$104,137$14,798$118,935

Board Members and Trustees

NameTitle
Larry K SchwartzChairman
Beverly GatelyDirector
Frances LagunaDirector
John SchurgardDirector
Luis E GendreauDirector
Raymond E BoucherDirector
Robert NoiseauDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$29,738,254
Investment Income
$1,106,309
Other Revenue
$5,993
Change in Net Assets
$2,515,221

Audited Revenue Reconciliation

Revenue per Audited Statements
$30,850,556
Total Revenue per Audited Statements
$30,850,556
Total Revenue per Form 990
$30,850,556
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$14,325,500
Salaries, Compensation, and Employee Benefits$14,009,835
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$8,304,080
Other Expenses---$2,274,689
Current Officers, Directors, Trustees, and Key Employees---$1,879,455
Pension Plan Contributions---$1,801,677
Other Employee Benefits---$1,238,265
Occupancy---$1,151,159
Depreciation Depletion---$1,047,080
Payroll Taxes---$786,358
All Other Expenses---$622,995
Advertising---$567,379
Conferences and Meetings---$119,250
Interest---$3
Total Functional Expenses$0$0$0$28,335,335

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$28,335,335
Total Expenses per Audited Statements$28,335,335
Total Expenses per Form 990$28,335,335
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 Officers, Directors, Trustees, and Key Employees-$1,824,575-
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$527,086,355
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
Yes
Management duties delegated
No

Governance Explanations

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

“Credit Union is owned by its members”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“Membership votes to elect governing body.”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“Membership votes on any governing by-laws changes.”

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

“A copy of the Form 990 tax return is reviewed by the Board of Directors prior to the return being filed.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Conflict of interest form is signed annually. Individuals must report any conflict of interest at the time it arises.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“15(a)Compensation Committee reviews information from independent compensation consultant and a compensation survey for CEO's and recommends salary range for each position. CEO's compensation is approved by the board.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“15b.Compensation for other Officers is reviewed by the compensation committee based on input from an independent compensation consultant and a compensation survey.”

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

“Financial statements are posted at all branch locations. Governing documents and conflict of interest policy are reviewed annually by the Board of Directors representing the entire membership. Other policy statements may be available upon request.”

Filing and Contact Details

Filer

Filer Name
Credit Union West
EIN
86-0108241
Phone
6026313200
Address
PO Box 7600, Glendale, AZ 85312

Signing Officer

Name
Pamela L Chan
Title
CFO
Signed
2016-05-10

Organization Details

Formed
1951
Legal Domicile
Az
Voting Board Members
7
Independent Board Members
7
Employees
220
Volunteers
11
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Unrealized holding (losses)gains arising during the year AFS = -$249709”

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IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt7CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt9President & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10Executive VP
IRS990/Form990PartVIISectionAGrp/TitleTxt11SR VP / CGC
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP BRANCH OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP ENTERPRISE RISK
IRS990/Form990PartVIISectionAGrp/TitleTxt15Loan Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt16Financial Planning
IRS990/Form990PartVIISectionAGrp/TitleTxt17Senior Br Mgr
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IRS990/InsuranceGrp/TotalAmt00
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IRS990/InterestGrp/TotalAmt03
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IRS990/IRPDocumentCnt014579
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt018890385
IRS990/LandBldgEquipCostOrOtherBssAmt028632079
IRS990/LegalDomicileStateCd0AZ
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IRS990/LoanOutstandingInd0true
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0PROVIDING LOANS/SERVICES TO CREDIT UNION MEMBERS
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IRS990/MoreThan5000KToOrgInd0false
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IRS990/NetAssetsOrFundBalancesEOYAmt058647384
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IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
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IRS990/NetUnrelatedBusTxblIncmAmt0-53333
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt01151159
IRS990/OfficeExpensesGrp/TotalAmt00
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt050450687
IRS990/OtherAssetsTotalGrp/EOYAmt019653198
IRS990/OtherChangesInNetAssetsAmt0-249709
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01238265
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IRS990/OtherExpensesGrp/Desc1Dividends
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IRS990/OtherExpensesGrp/Desc3Loan Servicing
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IRS990/OtherExpensesGrp/TotalAmt12705295
IRS990/OtherExpensesGrp/TotalAmt22347240
IRS990/OtherExpensesGrp/TotalAmt32274689
IRS990/OtherLiabilitiesGrp/BOYAmt0485231883
IRS990/OtherLiabilitiesGrp/EOYAmt0527086355
IRS990/OtherRevenueMiscGrp/Desc0Nonoperating
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt08304080
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0399687224
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0440315774
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0786358
IRS990/PensionPlanContributionsGrp/TotalAmt01801677
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt03614738
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0884336
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0525990
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Misc Operating Income
IRS990/ProgramServiceRevenueGrp/Desc2Program Service Revenue
IRS990/ProgramServiceRevenueGrp/Desc3Program Service Revenue
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt15022874
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22896165
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt021157262
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt15528383
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22896165
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3156444
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0505509
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1156444
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IRS990/PYOtherRevenueAmt02094661
IRS990/PYProgramServiceRevenueAmt029221148
IRS990/PYRevenuesLessExpensesAmt06014337
IRS990/PYSalariesCompEmpBnftPaidAmt012806151
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IRS990/PYTotalRevenueAmt032434349
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IRS990/ReconcilationRevenueExpnssAmt02515221
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IRS990/RelatedOrganizationCtrlEntInd0false
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt058647384
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IRS990/ScheduleBRequiredInd0false
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt02180411
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt010281163
IRS990ScheduleD/ExpensesSubtotalAmt028335335
IRS990ScheduleD/LandGrp/BookValueAmt07259040
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt07259040
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0122103
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01491369
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01613472
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt03408490
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt06069914
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt09478404
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0527086355
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/RevenueSubtotalAmt030850556
IRS990ScheduleD/TotalBookValueLandBuildingsAmt018890385
IRS990ScheduleD/TotalBookValueSecuritiesAmt084231115
IRS990ScheduleD/TotalExpensesPerForm990Amt028335335
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IRS990ScheduleD/TotalRevenuePerForm990Amt030850556
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IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$595,812,152
Liabilities
$537,164,768
Net assets
$58,647,384
Revenue
$30,850,556
Expenses
$28,335,335
Net income
$2,515,221
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,300$1,172$128$93.5$81.3$12.2
2023Detailed filing. Detailed filing data is available for this year.$1,206$1,091$116$73.8$60.3$13.5
2022Detailed filing. Detailed filing data is available for this year.$1,118$1,014$103$55.1$40.9$14.3
2021Detailed filing. Detailed filing data is available for this year.$1,059$962$97.6$47.1$39.0$8.16
2020Detailed filing. Detailed filing data is available for this year.$921$832$89.7$45.5$39.3$6.19
2019Detailed filing. Detailed filing data is available for this year.$773$690$82.4$42.9$36.8$6.09
2018Detailed filing. Detailed filing data is available for this year.$714$640$74.0$40.7$34.6$6.11
2017Detailed filing. Detailed filing data is available for this year.$675$608$67.1$36.3$31.2$5.06
2016Detailed filing. Detailed filing data is available for this year.$644$582$62.1$33.0$29.1$3.95
2015Detailed filing. Detailed filing data is available for this year.$596$537$58.6$30.9$28.3$2.52
2014Detailed filing. Detailed filing data is available for this year.$549$493$56.4$32.4$26.4$6.01
2013Detailed filing. Detailed filing data is available for this year.$513$461$51.5$31.4$22.6$8.80
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$484$440$44.1$23.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$450$414$35.7$23.9
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$414$383$31.2$30.1