Civic Intelligence

Credit Unions in the State of California

990 • Fiscal year 2016 • EIN 94-0362029

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 14, 2017

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

91st percentile

0.92x

Higher debt load relative to assets than 91% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Liabilities / Revenue

73rd percentile

20.90x

Higher debt load relative to revenue than 73% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Net Margin

36th percentile

7.6%

Higher net margin than 36% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Top Officer Pay

87th percentile

$308,264

Higher top officer pay than 87% of similar nonprofits.

Top officer pay equals 3.9% of source-year revenue.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Asset Growth

68th percentile

6.2%

Faster asset growth than 68% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Revenue Growth

62nd percentile

6.9%

Faster revenue growth than 62% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets91st percentile

Assets

Up

$180,508,426

Up $10,497,881 (+6.2%) from 2015

Net Assets

Down

$14,073,483

Down $3,330 (-0.0%) from 2015

Liabilities

Up

$166,434,943

Up $10,501,211 (+6.7%) from 2015

Revenue And Expenses
Liabilities / Revenue73rd percentileNet Margin36th percentile

Revenue

Up

$7,961,988

Up $514,602 (+6.9%) from 2015

Expenses

Up

$7,360,562

Up $305,131 (+4.3%) from 2015

Net Income

Up

$601,426

Up $209,471 (+53%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth68th 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

2016

Assets$180,508,426
Liabilities$166,434,943
Net Assets$14,073,483
Open 2016 Filing

Operations Trend

Revenue Growth62nd 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

2016

Revenue$7,961,988
Expenses$7,360,562
Net Income$601,426
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 14, 2017
Return Version
2016v3.0
Gross Receipts
$8,024,116
Mission and Program Overview

Mission

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

Offering accessible solutions and excellent service while maintaining fiscal integrity.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$96,601,722$96,949,831▲ $348,109
Investments in Publicly Traded Securities$22,496,099$41,891,343▲ $19,395,244
Investments Other Securities$36,361,459$27,206,635▼ $9,154,824
Rtn Earn Endowment Incm Other Fnds$14,076,813$14,073,483▼ $3,330
Land, Buildings, and Equipment, Net$5,090,767$5,218,568▲ $127,801
Cash and Non-Interest-Bearing Accounts$2,976,988$2,538,032▼ $438,956
Accounts Receivable$3,484,506$2,300,475▼ $1,184,031
Prepaid Expenses and Deferred Charges$413,477$498,868▲ $85,391
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$170,010,545$180,508,426▲ $10,497,881
Other Assets Total$2,585,527$3,904,674▲ $1,319,147
Liabilities
Other Liabilities$155,340,534$165,926,160▲ $10,585,626
Accounts Payable and Accrued Expenses$593,198$508,783▼ $84,415
Total Liabilities$155,933,732$166,434,943▲ $10,501,211
Net Assets / Fund Balance
Total Net Assets Fund Balance$14,076,813$14,073,483▼ $3,330
Total Liabilities and Net Assets / Fund Balance$170,010,545$180,508,426▲ $10,497,881

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$879,239$5,399,902$6,279,141
Buildings$3,175,246$3,025,956$6,201,202
Land$1,061,871-$1,061,871
Other Land Buildings$102,212$420,974$523,186
Other Securities$7,000,000--
Compensation and Service Providers
Top Officer Pay87th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David SilvestriPresident/ CEOFT$239,961$68,303$308,264
Patricia HintonVice President /COOFT$137,332$41,380$178,712

Board Members and Trustees

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

Highest Paid Contractors

ContractorServicesLocationCompensation
FtsiATM ServICEPO BOX 919, Monrovia, CA 91017$444,725
Jack Henry & AssociatesComputer Software servicesPO BOX 609, Monett, MO 65709$235,629
JMFA Contract OptimizerConsulting125 N Burnet Dr, Baytown, TX 77520$222,628
Hanley ConstructionConstructionPO BOX 808, Stockton, CA 95201$118,524
Haberfeld AssociatesMember Promotion206 S 13th Street Suite, Lincoln, NE 68508$109,202
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,150,097
Investment Income
$814,019
Other Revenue
$-2,128
Change in Net Assets
$601,426
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,074,598
Salaries, Compensation, and Employee Benefits$2,996,451
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,022,840
Depreciation Depletion---$526,812
Current Officers, Directors, Trustees, and Key Employees---$486,976
Fees for Services Other---$472,761
Occupancy---$434,168
Office Expenses---$394,053
Benefits to Members---$289,513
Advertising---$264,000
Other Employee Benefits---$203,794
Payroll Taxes---$191,473
Information Technology---$188,381
Pension Plan Contributions---$91,368
Insurance---$80,273
Conferences and Meetings---$67,875
Fees for Services Accounting---$56,603
Fees for Services Legal---$32,359
Other Expenses---$19,264
All Other Expenses---$13,108
Interest---$53
Total Functional Expenses$0$0$0$7,360,562
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$165,926,160
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

“Members have the right to elect the governing body.”

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 11B

“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
2017-11-14
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
82
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 6/30/2016 and 6/30/2017.”

Raw XML AppendixShowing 400 of 471 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/InvestmentsPubTradedSecGrp/EOYAmt041891343
IRS990/IRPDocumentCnt02598
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt08846832
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05090767
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05218568
IRS990/LandBldgEquipCostOrOtherBssAmt014065400
IRS990/LegalDomicileStateCd0CA
IRS990/LessRentalExpensesGrp/RealAmt062128
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/NetAssetsOrFundBalancesBOYAmt014076813
IRS990/NetAssetsOrFundBalancesEOYAmt014073483
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0-2128
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-2128
IRS990/NetUnrelatedBusTxblIncmAmt0-281996
IRS990/NetUnrlzdGainsLossesInvstAmt0-604756
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0434168
IRS990/OfficeExpensesGrp/TotalAmt0394053
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02585527
IRS990/OtherAssetsTotalGrp/EOYAmt03904674
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0203794
IRS990/OtherExpensesGrp/Desc0Loan Servicing
IRS990/OtherExpensesGrp/Desc1Office Operations
IRS990/OtherExpensesGrp/Desc2State Assessment Fees
IRS990/OtherExpensesGrp/TotalAmt0930571
IRS990/OtherExpensesGrp/TotalAmt1594317
IRS990/OtherExpensesGrp/TotalAmt219264
IRS990/OtherLiabilitiesGrp/BOYAmt0155340534
IRS990/OtherLiabilitiesGrp/EOYAmt0165926160
IRS990/OtherSalariesAndWagesGrp/TotalAmt02022840
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt096601722
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt096949831
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0191473
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt091368
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0413477
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0498868
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/RelatedOrExemptFuncIncomeAmt04855461
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11935252
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2268767
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04855461
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11963680
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2330956
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt028428
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt162189
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/PYBenefitsPaidToMembersAmt0283399
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0705958
IRS990/PYOtherExpensesAmt03998923
IRS990/PYOtherRevenueAmt0-4903
IRS990/PYProgramServiceRevenueAmt06746331
IRS990/PYRevenuesLessExpensesAmt0391955
IRS990/PYSalariesCompEmpBnftPaidAmt02773109
IRS990/PYTotalExpensesAmt07055431
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt07447386
IRS990/ReconcilationRevenueExpnssAmt0601426
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0-2128
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt014076813
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014073483
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03175246
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03025956
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06201202
IRS990ScheduleD/EquipmentGrp/BookValueAmt0879239
IRS990ScheduleD/EquipmentGrp/DepreciationAmt05399902
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt06279141
IRS990ScheduleD/LandGrp/BookValueAmt01061871
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01061871
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0102212
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0420974
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0523186
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0165926160
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt019967429
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1239206
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/TotalBookValueLandBuildingsAmt05218568
IRS990ScheduleD/TotalBookValueSecuritiesAmt027206635
IRS990ScheduleD/TotalLiabilityAmt0165926160
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0239961
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1137332
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount031072
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount121262
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/DeferredCompensationFlngOrgAmt016797
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt19613
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt020434
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt110505
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/TotalCompensationFilingOrgAmt0308264
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1178712
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/ExplanationTxt1Members have the right to elect the governing body.
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 6/30/2016 and 6/30/2017.
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 11b
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
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$180,508,426
Liabilities
$166,434,943
Net assets
$14,073,483
Revenue
$7,961,988
Expenses
$7,360,562
Net income
$601,426
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