Civic Intelligence

Credit Unions in the State of California

990 • Fiscal year 2012 • EIN 94-0362029

Jan 01, 2012 to Dec 31, 2012 • Filed on Oct 30, 2013

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.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

18th percentile

0.5%

Faster asset growth than 18% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$146,466,483

Up $785,674 (+0.5%) from 2011

Net Assets

Up

$13,238,337

Up $179,152 (+1.4%) from 2011

Liabilities

Up

$133,228,146

Up $606,522 (+0.5%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$7,408,437

Down $919,394 (-11%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth18th 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

2012

Assets$146,466,483
Liabilities$133,228,146
Net Assets$13,238,337
Open 2012 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

2012

Revenue-
Expenses$7,408,437
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Oct 30, 2013
Return Version
2012v2.1
Gross Receipts
$7,637,346
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 453 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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IRS990ScheduleJ/Form990ScheduleJPartIII/Explanation0A FITNESS HEALTH CLUB MONTHLY MEMBERSHIP FEE IS PAID BY THE ORGANIZATION FOR THE CEO. NO AMOUNT IS TREATED AS TAXABLE COMPENSATION.
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IRS990ScheduleO/GeneralExplanation/Explanation0MEMBERS ARE OWNERS OF THE CREDIT UNION AND HAVE THE RIGHT TO ELECT MEMBERS OF THE GOVERNING BODY BUT RECEIVE NO SHARE OF THE ORGANIZATIONS PROFITS.
IRS990ScheduleO/GeneralExplanation/Explanation1MEMBERS ARE OWNERS OF THE CREDIT UNION AND HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE GOVERNING BODY, WHETHER PERIODICALLY, OR AS VACANCIES ARISE, OR OTHERWISE.
IRS990ScheduleO/GeneralExplanation/Explanation2MEMBERS ARE OWNERS OF THE CREDIT UNION AND 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/Explanation3EXECUTIVE MANAGEMENT REVIEWS THE FORM 990 COMPLETED BY EXTERNAL CPA FIRM. THE FORM 990 IS DISTRIBUTED TO THE BOARD OF DIRECTORS AT THE NEXT MEETING FOLLOWING FILING THE FORM WITH THE IRS.
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 AND VOLUNTEERS ARE REQUIRED TO READ AND SIGN THE PERSONNEL POLICY WHICH INCLUDES A CONFLICT OF INTEREST CLAUSE. THE VOLUNTEERS ARE REQUIRED TO SIGN A CONFLICT OF INTEREST STATEMENT EACH YEAR.
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 GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE NOT AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/GeneralExplanation/Explanation7FINANCIAL STATEMENTS WERE AUDITED FOR THE FISCAL YEARS ENDED 6/30/2012 AND 6/30/2013.
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
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PART IV, LINE 12
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0CA
IRS990/StatesWhereCopyOfReturnIsFiled0CA
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10919 NORTH CENTER STREET
IRS990/TheBooksAreInCareOf/AddressUS/City0STOCKTON
IRS990/TheBooksAreInCareOf/AddressUS/State0CA
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode095202
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10PATRICIA JACKSON
IRS990/TheBooksAreInCareOf/TelephoneNumber02094445311
IRS990/TotalAssets/BOY0145680809
IRS990/TotalAssetsBOY0145680809
IRS990/TotalAssets/EOY0146466483
IRS990/TotalAssetsEOY0146466483
IRS990/TotalCompGT150K01
IRS990/TotalExpensesCurrentYear07408437
IRS990/TotalExpensesPriorYear08327831
IRS990/TotalFunctionalExpenses/Total07408437
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI0123420
IRS990/TotalLiabilities/BOY0132621624
IRS990/TotalLiabilitiesBOY0132621624

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$146,466,483
Liabilities
$133,228,146
Net assets
$13,238,337
Revenue
-
Expenses
$7,408,437
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