Civic Intelligence

Credit Unions in the State of California

990 • Fiscal year 2015 • EIN 94-0362029

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 09, 2016

Organization ProfileWWW.CENTRALSTATECU.ORG

View Organization Page

919 North Center StreetStockton, CA 95202

(209) 444-5311

Siviq Scores

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

Liabilities / Assets

85th percentile

0.92x

Higher debt load relative to assets than 85% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Liabilities / Revenue

72nd percentile

20.94x

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

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Net Margin

22nd percentile

5.3%

Higher net margin than 22% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Top Officer Pay

88th percentile

$310,439

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 4.2% of source-year revenue.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Asset Growth

90th percentile

13%

Faster asset growth than 90% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Revenue Growth

52nd percentile

4.7%

Faster revenue growth than 52% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets85th percentile

Assets

Up

$170,010,545

Up $19,881,962 (+13%) from 2014

Net Assets

Up

$14,076,813

Up $356,347 (+2.6%) from 2014

Liabilities

Up

$155,933,732

Up $19,525,615 (+14%) from 2014

Revenue And Expenses
Liabilities / Revenue72nd percentileNet Margin22nd percentile

Revenue

Up

$7,447,386

Up $334,788 (+4.7%) from 2014

Expenses

Up

$7,055,431

Up $938,065 (+15%) from 2014

Net Income

Down

$391,955

Down $603,277 (-61%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth90th 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

2015

Assets$170,010,545
Liabilities$155,933,732
Net Assets$14,076,813
Open 2015 Filing

Operations Trend

Revenue Growth52nd percentile

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

2015

Revenue$7,447,386
Expenses$7,055,431
Net Income$391,955
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 9, 2016
Return Version
2015v2.1
Gross Receipts
$7,558,587
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$91,451,591$96,601,722▲ $5,150,131
Investments Other Securities$18,506,918$36,361,459▲ $17,854,541
Investments in Publicly Traded Securities$27,031,707$22,496,099▼ $4,535,608
Rtn Earn Endowment Incm Other Fnds$13,720,466$14,076,813▲ $356,347
Land, Buildings, and Equipment, Net$4,865,383$5,090,767▲ $225,384
Accounts Receivable$3,135,319$3,484,506▲ $349,187
Cash and Non-Interest-Bearing Accounts$2,239,011$2,976,988▲ $737,977
Prepaid Expenses and Deferred Charges$501,820$413,477▼ $88,343
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$150,128,583$170,010,545▲ $19,881,962
Other Assets Total$2,396,834$2,585,527▲ $188,693
Liabilities
Other Liabilities$136,012,233$155,340,534▲ $19,328,301
Accounts Payable and Accrued Expenses$395,884$593,198▲ $197,314
Total Liabilities$136,408,117$155,933,732▲ $19,525,615
Net Assets / Fund Balance
Total Net Assets Fund Balance$13,720,466$14,076,813▲ $356,347
Total Liabilities and Net Assets / Fund Balance$150,128,583$170,010,545▲ $19,881,962

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$562,943$5,788,072$6,351,015
Buildings$3,331,405$2,864,346$6,195,751
Land$1,061,871-$1,061,871
Other Land Buildings$119,611$479,776$599,387
Leasehold Improvements$14,937$414,063$429,000
Other Securities$7,000,000--
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David SilvestriPresident/ CEOFT$252,128$58,311$310,439
Patricia HintonVice President /COOFT$146,639$33,910$180,549

Board Members and Trustees

NameTitle
Theodore RichChairman
James KieferVice Chairman
Cecile KaiserDirector
Robert ApplegateDirector
Sean WhelanDirector
Josephine GiomettiSecretary
Joe LoducaTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Hanley Construction IncRemodelPO Box 808, Stockton, CA 95201$556,858
Diebold Global Finance CorporationATM ServicePO Box 644399, Pittsburg, PA 15264$503,048
Financial Technology Solutions InternatiATM Service406 E Huntington Dr 100, Monrovia, CA 91016$195,770
Haberfeld AssociatesMember Promotion206 S 13TH STE 1500, Lincoln, NE 68508$179,105
FundXpressHome BankingPO Box 310464, Des Moines, IA 50331$160,956
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,746,331
Investment Income
$705,958
Other Revenue
$-4,903
Change in Net Assets
$391,955
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,998,923
Salaries, Compensation, and Employee Benefits$2,773,109
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,757,842
Fees for Services Other---$551,393
Depreciation Depletion---$535,446
Current Officers, Directors, Trustees, and Key Employees---$490,988
Occupancy---$403,884
Office Expenses---$341,182
Advertising---$300,000
Benefits to Members---$283,399
Other Employee Benefits---$263,900
Payroll Taxes---$177,350
Information Technology---$159,195
Pension Plan Contributions---$83,029
Insurance---$76,629
Conferences and Meetings---$66,406
Fees for Services Accounting---$57,004
All Other Expenses---$24,241
Fees for Services Legal---$19,510
Other Expenses---$16,732
Interest---$985
Total Functional Expenses$0$0$0$7,055,431
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$155,340,534
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
No
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, Section A, line 6

“All members can elect members of the governing body but not approve significant decisions or receive a share of the organizations profits or excess dues upon dissolution.”

Form 990, Part VI, Section A, line 7A

“All members have the power to elect. Sitting board members have the right to appoint if a vacancy exists.”

Form 990, Part VI, Section A, line 7B

“Members 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.”

Form 990, Part VI, Section B, line 11

“Executive management reviews the Form 990 competed 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.”

Form 990, Part VI, Section B, line 12C

“The 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.”

Form 990, Part VI, Section B, line 15A

“Central 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.”

Form 990, Part VI, Section C, line 19

“The governing documents are available upon request. The conflict of interest policy is not available to the public. We post our financial statement for the public in our lobby.”

Filing and Contact Details

Filer

Filer Name
Central State Credit Union
EIN
94-0362029
Phone
2094445311
Address
919 North Center Street, Stockton, CA 95202

Signing Officer

Name
Patricia Hinton
Title
Executive VP/COO
Phone
2094445311
Signed
2016-11-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
PATRICIA Hinton
Formed
1936
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
70
Volunteers
11

Preparer

Firm
Moss Adams LLP
Address
3121 W March Ln Ste 200, Stockton, CA 95219-2367
Preparer
Tracy S Paglia
Phone
2099556100
Supplemental Narrative

Additional Explanations

Form 990, Part IV, Line 12

“Financial statements were audited for the fiscal years ended 6/30/2015 and 6/30/2016.”

Raw XML AppendixShowing 400 of 473 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/Desc0We are in business to loan funds to our members at low rates. We are a community Credit Union serving over 20,000 members.
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IRS990/Form990PartVIISectionAGrp/PersonNm0JAMES KIEFER
IRS990/Form990PartVIISectionAGrp/PersonNm1Josephine Giometti
IRS990/Form990PartVIISectionAGrp/PersonNm2Robert Applegate
IRS990/Form990PartVIISectionAGrp/PersonNm3Sean Whelan
IRS990/Form990PartVIISectionAGrp/PersonNm4Joe Loduca
IRS990/Form990PartVIISectionAGrp/PersonNm5Theodore Rich
IRS990/Form990PartVIISectionAGrp/PersonNm6Cecile Kaiser
IRS990/Form990PartVIISectionAGrp/PersonNm7DAVID SILVESTRI
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IRS990/Form990PartVIISectionAGrp/TitleTxt1Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt5Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT/ CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8Vice President /COO
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IRS990/InvestmentInJointVentureInd00
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt036361459
IRS990/InvestmentsPubTradedSecGrp/BOYAmt027031707
IRS990/InvestmentsPubTradedSecGrp/EOYAmt022496099
IRS990/IRPDocumentCnt02570
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt09546257
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04865383
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05090767
IRS990/LandBldgEquipCostOrOtherBssAmt014637024
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt047678
IRS990/LessRentalExpensesGrp/RealAmt063523
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0To focus on our member's financial needs by offering accessible solutions and excellent service while maintaining fiscal integrity.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt013720466
IRS990/NetAssetsOrFundBalancesEOYAmt014076813
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-33678
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-33678
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0-4903
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-4903
IRS990/NetUnrelatedBusTxblIncmAmt0-139854
IRS990/NetUnrlzdGainsLossesInvstAmt0-35608
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0403884
IRS990/OfficeExpensesGrp/TotalAmt0341182
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02396834
IRS990/OtherAssetsTotalGrp/EOYAmt02585527
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0263900
IRS990/OtherExpensesGrp/Desc0Office Operations
IRS990/OtherExpensesGrp/Desc1Loan Servicing
IRS990/OtherExpensesGrp/Desc2State Assessment Fees
IRS990/OtherExpensesGrp/TotalAmt0798186
IRS990/OtherExpensesGrp/TotalAmt1648130
IRS990/OtherExpensesGrp/TotalAmt216732
IRS990/OtherLiabilitiesGrp/BOYAmt0136012233
IRS990/OtherLiabilitiesGrp/EOYAmt0155340534
IRS990/OtherSalariesAndWagesGrp/TotalAmt01757842
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt091451591
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt096601722
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0177350
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt083029
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0501820
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0413477
IRS990/PrincipalOfficerNm0PATRICIA Hinton
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEE & CHARGES INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04622538
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11858391
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2169268
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04622538
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11883243
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2240550
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt024852
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt171282
IRS990/ProgSrvcAccomActy2Grp/Desc0Members can use our electronic services 24/7 through several delivery channels, including home banking, bill pay and ATM services.
IRS990/ProgSrvcAccomActy3Grp/Desc0We have an array of other low or no cost services such as checking, IRAs and other financial services.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0227236
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0605079
IRS990/PYOtherExpensesAmt03142902
IRS990/PYOtherRevenueAmt0-8155
IRS990/PYProgramServiceRevenueAmt06515674
IRS990/PYRevenuesLessExpensesAmt0995232
IRS990/PYSalariesCompEmpBnftPaidAmt02747228
IRS990/PYTotalExpensesAmt06117366
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt07112598
IRS990/ReconcilationRevenueExpnssAmt0391955
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0-4903
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt013720466
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014076813
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03331405
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02864346
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06195751
IRS990ScheduleD/EquipmentGrp/BookValueAmt0562943
IRS990ScheduleD/EquipmentGrp/DepreciationAmt05788072
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt06351015
IRS990ScheduleD/LandGrp/BookValueAmt01061871
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01061871
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt014937
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0414063
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0429000
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0119611
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0479776
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0599387
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0155340534
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt029094488
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1266971
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt27000000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0DEPOSIT IN CORP CREDIT UNION
IRS990ScheduleD/OtherSecuritiesGrp/Desc1OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2Life Insurance Policy
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05090767
IRS990ScheduleD/TotalBookValueSecuritiesAmt036361459
IRS990ScheduleD/TotalLiabilityAmt0155340534
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/Form990OfOtherOrganizationsInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0252128
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1146639
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount021785
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount113500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt015291
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt19883
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt021235
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt110527
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0DAVID SILVESTRI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1Patricia Hinton
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/ CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1Vice President /COO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0310439
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1180549
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0A fitness health club monthly membership fee is paid by the organization for the CEO. no amount is treated as taxable compensation.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I, Line 1a
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0All members can elect members of the governing body but not approve significant decisions or receive a share of the organizations profits or excess dues upon dissolution.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1All members have the power to elect. Sitting board members have the right to appoint if a vacancy exists.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members 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/SupplementalInformationDetail/ExplanationTxt3Executive management reviews the Form 990 competed 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/SupplementalInformationDetail/ExplanationTxt4The 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/SupplementalInformationDetail/ExplanationTxt5CENTRAL 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/SupplementalInformationDetail/ExplanationTxt6The governing documents are available upon request. The conflict of interest policy is not available to the public. We post our financial statement for the public in our lobby.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Financial statements were audited for the fiscal years ended 6/30/2015 and 6/30/2016.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART IV, LINE 12

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$170,010,545
Liabilities
$155,933,732
Net assets
$14,076,813
Revenue
$7,447,386
Expenses
$7,055,431
Net income
$391,955
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