Civic Intelligence

Credit Unions in State of Arizona

990 • Fiscal year 2016 • EIN 86-0108241

Jan 01, 2016 to Dec 31, 2016 • Filed on May 12, 2017

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

62nd percentile

0.90x

Higher debt load relative to assets than 62% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

44th percentile

17.63x

Higher debt load relative to revenue than 44% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

46th percentile

12%

Higher net margin than 46% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

72nd percentile

$496,053

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

69th percentile

8.1%

Faster asset growth than 69% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

47th percentile

7.0%

Faster revenue growth than 47% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Up

$643,849,278

Up $48,037,126 (+8.1%) from 2015

Net Assets

Up

$62,129,744

Up $3,482,360 (+5.9%) from 2015

Liabilities

Up

$581,719,534

Up $44,554,766 (+8.3%) from 2015

Revenue And Expenses
Liabilities / Revenue44th percentileNet Margin46th percentile

Revenue

Up

$32,997,204

Up $2,146,648 (+7.0%) from 2015

Expenses

Up

$29,051,949

Up $716,614 (+2.5%) from 2015

Net Income

Up

$3,945,255

Up $1,430,034 (+57%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth69th 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

2016

Assets$643,849,278
Liabilities$581,719,534
Net Assets$62,129,744
Open 2016 Filing

Operations Trend

Revenue Growth47th 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

2016

Revenue$32,997,204
Expenses$29,051,949
Net Income$3,945,255
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 12, 2017
Return Version
2016v3.0
Gross Receipts
$32,997,204
Mission and Program Overview

Mission

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

Financial cooperative to provide loans & financial services to Credit Union Members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$440,315,774$476,751,427▲ $36,435,653
Investments Other Securities$84,231,115$94,033,418▲ $9,802,303
Rtn Earn Endowment Incm Other Fnds$58,647,384$62,129,744▲ $3,482,360
Cash and Non-Interest-Bearing Accounts$27,516,234$28,378,275▲ $862,041
Land, Buildings, and Equipment, Net$18,890,385$18,357,694▼ $532,691
Accounts Receivable$2,496,535$2,818,685▲ $322,150
Receivables From Officers Etc$1,824,575$1,907,129▲ $82,554
Prepaid Expenses and Deferred Charges$884,336$807,544▼ $76,792
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$595,812,152$643,849,278▲ $48,037,126
Other Assets Total$19,653,198$20,795,106▲ $1,141,908
Liabilities
Other Liabilities$527,086,355$566,189,517▲ $39,103,162
Accounts Payable and Accrued Expenses$10,078,413$15,530,017▲ $5,451,604
Total Liabilities$537,164,768$581,719,534▲ $44,554,766
Net Assets / Fund Balance
Total Net Assets Fund Balance$58,647,384$62,129,744▲ $3,482,360
Total Liabilities and Net Assets / Fund Balance$595,812,152$643,849,278▲ $48,037,126

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$7,905,418$2,407,146$10,312,564
Other Land Buildings$3,151,712$6,914,934$10,066,646
Land$7,259,040-$7,259,040
Leasehold Improvements$41,524$1,144,609$1,186,133
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert W MacgregorPresident & CEOFT$329,529$166,524$496,053
Karen RochExecutive VPFT$193,929$96,526$290,455
David W SmithSr VP / CGCFT$178,578$108,012$286,590
Robert BirrVP CLOFT$159,776$99,001$258,777
Pamela L ChanCFOFT$157,143$76,988$234,131
Scott GrundyCIOFT$152,183$79,587$231,770
Debbie WinterVP Branch OperationsFT$133,756$76,288$210,044
Diana CruzVP Enterprise RiskFT$143,738$65,712$209,450
Yvonne RossVP Hr DevelopmentFT$129,780$72,324$202,104
Jody BlossLoan ManagerFT$100,385$18,746$119,131
Robert WadeFinancial PlanningFT$90,206$25,200$115,406
Danielle GreenSenior Br MgrFT$97,899$15,510$113,409
Seth R BakerIt ManagerFT$104,389$7,903$112,292
Amanda Kurtz CadyControllerFT$93,754$12,420$106,174
Allan SwitalskiVP MarketingFT$31,332$1,399$32,731

Board Members and Trustees

NameTitle
John SchurgardChairman
Beverly GatelyDirector
James CronkDirector
Larry K SchwartzDirector
Luis E GendreauDirector
Paul StratmanDirector
Raymond E BoucherDirector
Sandra LagesseDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$31,248,079
Investment Income
$1,500,236
Other Revenue
$248,889
Change in Net Assets
$3,945,255

Audited Revenue Reconciliation

Revenue per Audited Statements
$32,997,204
Total Revenue per Audited Statements
$32,997,204
Total Revenue per Form 990
$32,997,204
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$15,181,706
Salaries, Compensation, and Employee Benefits$13,870,243
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$7,969,516
Current Officers, Directors, Trustees, and Key Employees---$2,497,881
Pension Plan Contributions---$1,858,471
Other Expenses---$1,807,802
All Other Expenses---$1,762,434
Occupancy---$1,197,444
Depreciation Depletion---$1,158,208
Payroll Taxes---$845,119
Other Employee Benefits---$699,256
Advertising---$600,967
Conferences and Meetings---$96,660
Interest---$14
Total Functional Expenses$0$0$0$29,051,949

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$29,051,949
Total Expenses per Audited Statements$29,051,949
Total Expenses per Form 990$29,051,949
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$1,907,129▲ $82,554
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$566,189,516
Rounding$1
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
2017-05-12

Organization Details

Formed
1951
Legal Domicile
Az
Voting Board Members
7
Independent Board Members
7
Employees
221
Volunteers
13
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Increases

“Equity Acquired in Merger = $958384”

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Other Comprehensive Income - pension plan = -$1644003”

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IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt9CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt10President & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11Executive VP
IRS990/Form990PartVIISectionAGrp/TitleTxt12SR VP / CGC
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP BRANCH OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP ENTERPRISE RISK
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP HR DEVELOPMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt18Loan Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt19Financial Planning
IRS990/Form990PartVIISectionAGrp/TitleTxt20Senior Br Mgr
IRS990/Form990PartVIISectionAGrp/TitleTxt21IT MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt22CONTROLLER
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IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0true
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
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IRS990/MinutesOfCommitteesInd0true
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Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$643,849,278
Liabilities
$581,719,534
Net assets
$62,129,744
Revenue
$32,997,204
Expenses
$29,051,949
Net income
$3,945,255
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