Civic Intelligence

Credit Unions in the State of California

990 • Fiscal year 2011 • EIN 94-0362029

Jan 01, 2011 to Dec 31, 2011 • Filed on Nov 13, 2012

Organization ProfileWWW.CENTRALSTATECU.ORG

View Organization Page

919 North Center Street95202
Siviq Scores

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

Liabilities / Assets

72nd percentile

0.91x

Higher debt load relative to assets than 72% of similar nonprofits.

2011 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

50th percentile

4.7%

Faster asset growth than 50% of similar nonprofits.

2011 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$145,680,809

Up $6,602,005 (+4.7%) from 2010

Net Assets

Down

$13,059,185

Down $3,840 (-0.0%) from 2010

Liabilities

Up

$132,621,624

Up $6,605,845 (+5.2%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$8,327,831

Down $6,324 (-0.1%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth50th percentile

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

$300M$200M$100M$0Assets 2010: $139,078,804Liabilities 2010: $126,015,779Net Assets 2010: $13,063,0252010Assets 2011: $145,680,809Liabilities 2011: $132,621,624Net Assets 2011: $13,059,1852011Assets 2012: $146,466,483Liabilities 2012: $133,228,146Net Assets 2012: $13,238,3372012Assets 2013: $145,072,112Liabilities 2013: $132,838,894Net Assets 2013: $12,233,2182013Assets 2014: $150,128,583Liabilities 2014: $136,408,117Net Assets 2014: $13,720,4662014Assets 2015: $170,010,545Liabilities 2015: $155,933,732Net Assets 2015: $14,076,8132015Assets 2016: $180,508,426Liabilities 2016: $166,434,943Net Assets 2016: $14,073,4832016Assets 2017: $193,465,939Liabilities 2017: $179,612,484Net Assets 2017: $13,853,4552017Assets 2018: $199,007,428Liabilities 2018: $183,871,483Net Assets 2018: $15,135,9452018Assets 2019: $201,115,851Liabilities 2019: $183,529,703Net Assets 2019: $17,586,1482019Assets 2020: $228,714,805Liabilities 2020: $209,606,290Net Assets 2020: $19,108,5152020Assets 2021: $247,800,145Liabilities 2021: $229,916,213Net Assets 2021: $17,883,9322021Assets 2022: $239,083,706Liabilities 2022: $234,233,829Net Assets 2022: $4,849,8772022Assets 2023: $228,943,528Liabilities 2023: $220,614,208Net Assets 2023: $8,329,3202023Assets 2024: $234,502,923Liabilities 2024: $224,610,868Net Assets 2024: $9,892,0552024

Highlighted filing

2011

Assets$145,680,809
Liabilities$132,621,624
Net Assets$13,059,185
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $8,334,1552010Expenses 2011: $8,327,8312011Expenses 2012: $7,408,4372012Revenue 2013: $7,049,503Expenses 2013: $7,557,568Net Income 2013: -$508,0652013Revenue 2014: $7,112,598Expenses 2014: $6,117,366Net Income 2014: $995,2322014Revenue 2015: $7,447,386Expenses 2015: $7,055,431Net Income 2015: $391,9552015Revenue 2016: $7,961,988Expenses 2016: $7,360,562Net Income 2016: $601,4262016Revenue 2017: $8,818,824Expenses 2017: $9,056,808Net Income 2017: -$237,9842017Revenue 2018: $9,580,675Expenses 2018: $7,919,804Net Income 2018: $1,660,8712018Revenue 2019: $9,632,589Expenses 2019: $7,803,590Net Income 2019: $1,828,9992019Revenue 2020: $7,812,094Expenses 2020: $6,741,798Net Income 2020: $1,070,2962020Revenue 2021: $7,219,372Expenses 2021: $6,380,443Net Income 2021: $838,9292021Revenue 2022: $8,378,360Expenses 2022: $6,984,054Net Income 2022: $1,394,3062022Revenue 2023: $9,142,859Expenses 2023: $8,178,851Net Income 2023: $964,0082023Revenue 2024: $10,274,246Expenses 2024: $10,037,495Net Income 2024: $236,7512024

Highlighted filing

2011

Revenue-
Expenses$8,327,831
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Nov 13, 2012
Return Version
2011v1.2
Gross Receipts
$14,818,998
Mission and Program Overview

Mission

To focus on our member's financial needs by offering accessible solutions and excellent service while maintaining fiscal integrity.

Major Activities

Activity 2
Members can use our electronic services 24/7 through several delivery channels, including home banking, bill pay and atm services.
Activity 3
We have an array of other low or no cost services such as checking, iras and other financial services.
Filing and Contact Details

Filer

EIN
94-0362029
Raw XML AppendixShowing 400 of 484 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/ActivityOrMissionDescription0TO FOCUS ON OUR MEMBER'S FINANCIAL NEEDS BY OFFERING ACCESSIBLE SOLUTIONS AND EXCELLENT SERVICE WHILE MAINTAINING FISCAL INTEGRITY.
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IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartIII/Explanation0A FITNESS HEALTH CLUB MONTHLY MEMBERSHIP FEE IS PAID BY THE ORGANIZATION FOR THE CEO. NO AMOUNT IS TREATED AS TAXABLE COMPENSATION.
IRS990ScheduleJ/Form990ScheduleJPartIII/ReturnReference0PART I, LINE 1A
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson0DAVID SILVESTRI
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson1PATRICIA JACKSON
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg019881
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg19891
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg10
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg0277006
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg1162926
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs10
IRS990/ScheduleJRequired01
IRS990ScheduleJ/SeverancePayment00
IRS990ScheduleJ/SubstantiationRequired01
IRS990ScheduleJ/SupplementalNonqualRetirePlan00
IRS990ScheduleJ/WrittenPolicyReTAndEExpenses01
IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION'S MEMBERS HAVE THE RIGHT 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.
IRS990ScheduleO/GeneralExplanation/Explanation1MEMBERS 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.
IRS990ScheduleO/GeneralExplanation/Explanation2MEMBERS 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.
IRS990ScheduleO/GeneralExplanation/Explanation3THE FORM 990 WILL BE REVIEWED FOR ACCURACY BY MANAGEMENT. THE 990 WILL ALSO BE PRESENTED AT THE MONTHLY BOARD MEETING FOLLOWING THE FILING DATE.
IRS990ScheduleO/GeneralExplanation/Explanation4THE 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.
IRS990ScheduleO/GeneralExplanation/Explanation5CENTRAL 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.
IRS990ScheduleO/GeneralExplanation/Explanation6WE 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.
IRS990ScheduleO/GeneralExplanation/Explanation7NET UNREALIZED GAINS ON INVESTMENTS: 126,516.
IRS990ScheduleO/GeneralExplanation/Explanation8FINANCIAL STATEMENTS WERE AUDITED FOR THE FISCAL YEAR ENDING 6/30/2011 AND 6/30/2012.
IRS990ScheduleO/GeneralExplanation/Identifier0CHANGES IN NET ASSETS OR FUND BALANCES:
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART VI, SECTION C, LINE 19

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$145,680,809
Liabilities
$132,621,624
Net assets
$13,059,185
Revenue
-
Expenses
$8,327,831
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$235$225$9.89$10.3$10.0$0.24
2023Detailed filing. Detailed filing data is available for this year.$229$221$8.33$9.14$8.18$0.96
2022Detailed filing. Detailed filing data is available for this year.$239$234$4.85$8.38$6.98$1.39
2021Detailed filing. Detailed filing data is available for this year.$248$230$17.9$7.22$6.38$0.84
2020Detailed filing. Detailed filing data is available for this year.$229$210$19.1$7.81$6.74$1.07
2019Detailed filing. Detailed filing data is available for this year.$201$184$17.6$9.63$7.80$1.83
2018Detailed filing. Detailed filing data is available for this year.$199$184$15.1$9.58$7.92$1.66
2017Detailed filing. Detailed filing data is available for this year.$193$180$13.9$8.82$9.06$0.24
2016Detailed filing. Detailed filing data is available for this year.$181$166$14.1$7.96$7.36$0.60
2015Detailed filing. Detailed filing data is available for this year.$170$156$14.1$7.45$7.06$0.39
2014Detailed filing. Detailed filing data is available for this year.$150$136$13.7$7.11$6.12$1.00
2013Detailed filing. Detailed filing data is available for this year.$145$133$12.2$7.05$7.56$0.51
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$146$133$13.2$7.41
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$146$133$13.1$8.33
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$139$126$13.1$8.33