Liabilities / Assets
100th percentile
Higher debt load relative to assets than 100% of similar nonprofits.
Credit Unions in the State of California
990 • Fiscal year 2022 • EIN 94-0362029
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.98x
Liabilities / Revenue
89th percentile
Higher debt load relative to revenue than 89% of similar nonprofits.
Net Margin
59th percentile
Higher net margin than 59% of similar nonprofits.
Top Officer Pay
51st percentile
Higher top officer pay than 51% of similar nonprofits.
Top officer pay equals 2.6% of source-year revenue.
Asset Growth
8th percentile
Faster asset growth than 8% of similar nonprofits.
Revenue Growth
78th percentile
Faster revenue growth than 78% of similar nonprofits.
Balance Sheet
Assets
Down$239,083,706
Down $8,716,439 (-3.5%) from 2021
Net Assets
Down$4,849,877
Down $13,034,055 (-73%) from 2021
Liabilities
Up$234,233,829
Up $4,317,616 (+1.9%) from 2021
Revenue And Expenses
Revenue
Up$8,378,360
Up $1,158,988 (+16%) from 2021
Expenses
Up$6,984,054
Up $603,611 (+9.5%) from 2021
Net Income
Up$1,394,306
Up $555,377 (+66%) from 2021
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2022 to Dec 31, 2022
- Signed
- Oct 23, 2023
- Return Version
- 2022v5.0
- Gross Receipts
- $8,378,360
Mission and Program Overview
Mission
To focus on our member's financial needs by offering accessible solutions and excellent service while maintaining fiscal integrity.
A cooperative, organized for the purpose of promoting thrift and savings among its members.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments in Publicly Traded Securities | $115,711,693 | $114,193,317 | ▼ $1,518,376 |
| Investments Program Related | $68,589,582 | $82,523,826 | ▲ $13,934,244 |
| Savings and Temporary Cash Investments | $46,284,201 | $24,679,748 | ▼ $21,604,453 |
| Rtn Earn Endowment Incm Other Fnds | $17,883,932 | $4,849,877 | ▼ $13,034,055 |
| Land, Buildings, and Equipment, Net | $3,774,452 | $3,512,944 | ▼ $261,508 |
| Cash and Non-Interest-Bearing Accounts | $2,212,081 | $2,262,566 | ▲ $50,485 |
| Investments Other Securities | - | $177,656 | - |
| Prepaid Expenses and Deferred Charges | $27,620 | $22,485 | ▼ $5,135 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $247,800,145 | $239,083,706 | ▼ $8,716,439 |
| Other Assets Total | $11,200,516 | $11,711,164 | ▲ $510,648 |
| Liabilities | |||
| Other Liabilities | $229,126,644 | $233,051,400 | ▲ $3,924,756 |
| Accounts Payable and Accrued Expenses | $789,569 | $1,182,429 | ▲ $392,860 |
| Total Liabilities | $229,916,213 | $234,233,829 | ▲ $4,317,616 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $17,883,932 | $4,849,877 | ▼ $13,034,055 |
| Total Liabilities and Net Assets / Fund Balance | $247,800,145 | $239,083,706 | ▼ $8,716,439 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $2,234,528 | $3,027,135 | $5,261,663 |
| Equipment | $165,017 | $1,511,378 | $1,676,395 |
| Land | $1,113,399 | - | $1,113,399 |
| Leasehold Improvements | $0 | $4,982 | $4,982 |
| Investment Program Related Org | $2,218,085 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Scott M Waite | President and CEO | FT | $180,836 | $36,347 | $217,183 |
| Bengino Magdaleno | VP of Information Systems | FT | $111,992 | $20,775 | $132,767 |
| Patricia Murarik | VP of Operations | FT | $113,434 | $19,042 | $132,476 |
| Bruce Milgrom | Former CEO | FT | $74,612 | $16,934 | $91,546 |
Board Members and Trustees
| Name | Title |
|---|---|
| Linda Frontz | Board Chair |
| Lewis P Samsell | Supervisory Chair |
| Rich Garcia | Vice Chairman |
| James Kiefer | Board Member |
| Lori Olson | Secretary |
| Deborah Halvorson | Supervisory Member |
| Doug Lingo | Supervisory Member |
| Efrain Aguilar | Supervisory Member |
| Victoria L Nevarez | Supervisory Member |
| Joe Loduca | Treasurer |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Fis | Financial Services | 2923 BRADLEY ST, Pasadena, CA 91107 | $698,348 |
| Jack Henry & Associates | Computer Software Services | PO BOX 609, Monett, MO 65709 | $249,376 |
| Apiture | Financial Services | 1850 TIBURON DRIVE, Wilmington, NC 28403 | $178,375 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $5,906,730
- Investment Income
- $2,435,630
- Other Revenue
- $36,000
- Change in Net Assets
- $1,394,306
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $3,596,332 |
| Salaries, Compensation, and Employee Benefits | $3,380,319 |
| Grants and Similar Amounts Paid | $7,403 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $2,319,627 |
| Office Expenses | - | - | - | $1,331,620 |
| Occupancy | - | - | - | $654,859 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $502,458 |
| Fees for Services Other | - | - | - | $405,207 |
| Depreciation Depletion | - | - | - | $323,456 |
| Payroll Taxes | - | - | - | $229,586 |
| Other Employee Benefits | - | - | - | $227,280 |
| Information Technology | - | - | - | $207,288 |
| Pension Plan Contributions | - | - | - | $101,368 |
| Interest | - | - | - | $87,973 |
| Fees for Services Accounting | - | - | - | $83,555 |
| Advertising | - | - | - | $46,659 |
| Fees for Services Legal | - | - | - | $45,000 |
| Other Expenses | - | - | - | $35,661 |
| Travel | - | - | - | $26,508 |
| Insurance | - | - | - | $14,766 |
| Grants to Domestic Orgs | - | - | - | $4,000 |
| Grants to Domestic Individuals | - | - | - | $3,403 |
| Total Functional Expenses | $0 | $0 | $0 | $6,984,054 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Total Shares & Deposits | $233,051,400 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Audit committee
- Yes
- Business relationship with 35% controlled entity
- No
- 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
“The credit union has members. All members can elect members of the governing body, the board of directors. Members do not approve significant decisions or receive a share of the credit union profits or excess due upon dissolution.”
Form 990, Part VI, Section A, Line 7A
“Members have the right to elect the governing body, the board of directors.”
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. The form 990 was reviewed by the chairman of the supervisory committee prior to the filing of the return. The form 990 is distributed to the board of directors as the next monthly meeting following the filing of the return with the internal revenue service.”
Form 990, Part VI, Section B, Line 12C
“The credit union does not permit its staff to make transactions on their account 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
“The credit union uses comparable data from independent compensation surveys to present to the board of directors for consideration.”
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, however the conflict of interest policy was approved by the governing body, the board of directors. The credit union posts our financial statement for the public in our lobby on a monthly basis.”
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
- Anna Lo
- Title
- CEO/president
- Phone
- 2094445311
- Signed
- 2023-10-23
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Anna Lo
- Formed
- 1936
- Legal Domicile
- CA
- Voting Board Members
- 5
- Independent Board Members
- 5
- Employees
- 69
- Volunteers
- 10
Preparer
- Firm
- Turner Warren Hwang & Conrad Acctcy
- Address
- 100 NORTH FIRST ST STE 202, BURBANK, CA 91502
- Preparer
- Valentino Creus CPA
- Phone
- 8189549700
Supplemental Narrative
Additional Explanations
FORM 990, PART XII, LINE 2C:
“The organization has not changed either its oversight process or its selection process during the tax year.”
Financial Statement Notes
PART X, LINE 2:
“Fasb asc 740-10-65, income taxes, provides guidance for how uncertain tax positions should be recognized, measured, disclosed and presented in the financial statements. This requires the evaluation of tax positions taken or expected to be taken in the course of preparing the credit union's tax returns to determine whether the tax positions are "more likely than not" of being sustained "when challenged or "when examined" by the applicable tax authority. Tax positions deemed to not meet the more-likely-than-not threshold should be recorded as a tax expense and liability in the current period. For the year ended june 30, 2022 and 2021, management has determined that there are no material uncertain tax positions, and accordingly, the credit union has not recorded a liability for the payment of interest or penalties.”
Raw XML AppendixShowing 400 of 475 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.
| Path | # | Value |
|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 789569 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 1182429 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 46659 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | ANNA LO CEOPRESIDENT |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 2094445310 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 919 NORTH CENTER STREET |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | STOCKTON |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | CA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 95202 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 2212081 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 2262566 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 3 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 502458 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 698348 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 249376 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 2 | 178375 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | 2923 BRADLEY ST |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 1 | PO BOX 609 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 2 | 1850 TIBURON DRIVE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | PASADENA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 1 | MONETT |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 2 | WILMINGTON |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | CA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 1 | MO |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 2 | NC |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 91107 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 1 | 65709 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 2 | 28403 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | FIS |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 1 | JACK HENRY & ASSOCIATES |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 2 | APITURE |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | FINANCIAL SERVICES |
| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | COMPUTER SOFTWARE SERVICES |
| IRS990/ContractorCompensationGrp/ServicesDesc | 2 | FINANCIAL SERVICES |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 7403 |
| IRS990/CYInvestmentIncomeAmt | 0 | 2435630 |
| IRS990/CYOtherExpensesAmt | 0 | 3596332 |
| IRS990/CYOtherRevenueAmt | 0 | 36000 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 5906730 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 1394306 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 3380319 |
| IRS990/CYTotalExpensesAmt | 0 | 6984054 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 8378360 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 323456 |
| IRS990/Desc | 0 | WE ARE IN BUSINESS TO LOAN FUNDS TO OUR MEMBERS AT LOW RATES. WE ARE A COMMUNITY BASED CREDIT UNION SERVING OVER 18,000 MEMBERS. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 69 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 83555 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 45000 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 405207 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 16934 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 14763 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 20775 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 19042 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | LINDA FRONTZ |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | RICH GARCIA |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | LORI OLSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | JOE LODUCA |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | JAMES KIEFER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | LEWIS P SAMSELL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | EFRAIN AGUILAR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | VICTORIA L NEVAREZ |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | DEBORAH HALVORSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | DOUG LINGO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | BRUCE MILGROM |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | SCOTT M WAITE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | BENGINO MAGDALENO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | PATRICIA MURARIK |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 74612 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 202420 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 111992 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 113434 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | BOARD CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | SUPERVISORY CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | SUPERVISORY MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | SUPERVISORY MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | SUPERVISORY MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | SUPERVISORY MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | FORMER CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | PRESIDENT AND CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | VP OF INFORMATION SYSTEMS |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | VP OF OPERATIONS |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1936 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 5 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 3403 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 4000 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 8378360 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 5 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 3 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 207288 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 14766 |
| IRS990/InterestGrp/TotalAmt | 0 | 87973 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2435630 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 2435630 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 177656 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 68589582 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 82523826 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 115711693 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 114193317 |
| IRS990/IRPDocumentCnt | 0 | 1904 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 4543495 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 3774452 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 3512944 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 8056439 |
| IRS990/LegalDomicileStateCd | 0 | CA |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | CENTRAL STATE CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVING AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE CENTRAL STATE CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 17883932 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 4849877 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -14428361 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 654859 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 1331620 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 11200516 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 11711164 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 227280 |
| IRS990/OtherExpensesGrp/Desc | 0 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 1 | MISCELLANEOUS EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 2 | OPERATING FEES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 239441 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 94339 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 35661 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 229126644 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 233051400 |
| IRS990/OtherOrganizationDsc | 0 | CREDIT UNION |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 900099 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | OTHER NON-OPERATING IN |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 36000 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 36000 |
| IRS990/OtherRevenueTotalAmt | 0 | 36000 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 2319627 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 229586 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 101368 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 27620 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 22485 |
| IRS990/PrincipalOfficerNm | 0 | ANNA LO |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 900099 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | OTHER OPERATING INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3023289 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 1861986 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 815878 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 3023289 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 1861986 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 1021455 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 205577 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | MEMBERS CAN USE OUR ELECTRONIC SERVICES 24/7 THROUGH SEVERAL DELIVERY CHANNELS, INCLUDING HOME BANKING, BILL PAY AND ATM SERVICES. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | WE HAVE AN ARRAY OF OTHER LOW COST OR NO COST SERVICES SUCH AS CHECKING ACCOUNTS, IRA ACCOUNTS AND OTHER FINANCIAL SERVICES. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 2568 |
| IRS990/PYInvestmentIncomeAmt | 0 | 930075 |
| IRS990/PYOtherExpensesAmt | 0 | 3355812 |
| IRS990/PYOtherRevenueAmt | 0 | 252696 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 6036601 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 838929 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 3022063 |
| IRS990/PYTotalExpensesAmt | 0 | 6380443 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 7219372 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1394306 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 1 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 17883932 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 4849877 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 46284201 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 24679748 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 2234528 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 3027135 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 5261663 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 165017 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1511378 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1676395 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 5725000 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 347505 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 2 | 74233236 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 3 | 2218085 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | DEPOSITS IN COMMERCIAL BANKS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | PAID-IN CAPITAL AT CORP |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 2 | NET LOANS & LEASES |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 3 | NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 2 | F |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 3 | C |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 1113399 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 1113399 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 4982 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 4982 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 233051400 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | TOTAL SHARES & DEPOSITS |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | FASB ASC 740-10-65, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE "MORE LIKELY THAN NOT" OF BEING SUSTAINED "WHEN CHALLENGED OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS DEEMED TO NOT MEET THE MORE-LIKELY-THAN-NOT THRESHOLD SHOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT PERIOD. FOR THE YEAR ENDED JUNE 30, 2022 AND 2021, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS, AND ACCORDINGLY, THE CREDIT UNION HAS NOT RECORDED A LIABILITY FOR THE PAYMENT OF INTEREST OR PENALTIES. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 3512944 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 82523826 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 233051400 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 180836 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 20000 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 14763 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 1584 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | SCOTT M WAITE |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT AND CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 217183 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990ScheduleJ/WrittenEmploymentContractInd | 0 | X |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION HAS MEMBERS. ALL MEMBERS CAN ELECT MEMBERS OF THE GOVERNING BODY, THE BOARD OF DIRECTORS. MEMBERS DO NOT APPROVE SIGNIFICANT DECISIONS OR RECEIVE A SHARE OF THE CREDIT UNION PROFITS OR EXCESS DUE UPON DISSOLUTION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | MEMBERS HAVE THE RIGHT TO ELECT THE GOVERNING BODY, THE BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | EXECUTIVE MANAGEMENT REVIEWS THE FORM 990. THE FORM 990 WAS REVIEWED BY THE CHAIRMAN OF THE SUPERVISORY COMMITTEE PRIOR TO THE FILING OF THE RETURN. THE FORM 990 IS DISTRIBUTED TO THE BOARD OF DIRECTORS AS THE NEXT MONTHLY MEETING FOLLOWING THE FILING OF THE RETURN WITH THE INTERNAL REVENUE SERVICE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE CREDIT UNION DOES NOT PERMIT ITS STAFF TO MAKE TRANSACTIONS ON THEIR ACCOUNT 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/ExplanationTxt | 5 | THE CREDIT UNION USES COMPARABLE DATA FROM INDEPENDENT COMPENSATION SURVEYS TO PRESENT TO THE BOARD OF DIRECTORS FOR CONSIDERATION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST. THE CONFLICT OF INTEREST POLICY IS NOT AVAILABLE TO THE PUBLIC, HOWEVER THE CONFLICT OF INTEREST POLICY WAS APPROVED BY THE GOVERNING BODY, THE BOARD OF DIRECTORS. THE CREDIT UNION POSTS OUR FINANCIAL STATEMENT FOR THE PUBLIC IN OUR LOBBY ON A MONTHLY BASIS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR ITS SELECTION PROCESS DURING THE TAX YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART XII, LINE 2C: |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | CA |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2022 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $239,083,706
- Liabilities
- $234,233,829
- Net assets
- $4,849,877
- Revenue
- $8,378,360
- Expenses
- $6,984,054
- Net income
- $1,394,306