Civic Intelligence

Eagle Credit Union Co Unify Financial Credit Union

990 • Fiscal year 2014 • EIN 94-0902652

Jan 01, 2014 to Dec 31, 2014 • Filed on Aug 05, 2015

Organization ProfileN/A

View Organization Page

1401 Lakeshore DriveLodi, CA 95242

(209) 340-2100

Siviq Scores

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

Liabilities / Assets

88th percentile

0.92x

Higher debt load relative to assets than 88% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

55th percentile

21.23x

Higher debt load relative to revenue than 55% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Net Margin

1st percentile

-35%

Higher net margin than 1% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

79th percentile

$96,396

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 11.2% of source-year revenue.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Asset Growth

6th percentile

-5.5%

Faster asset growth than 6% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Revenue Growth

2nd percentile

-16%

Faster revenue growth than 2% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets88th percentile

Assets

Down

$20,031,643

Down $1,166,016 (-5.5%) from 2013

Net Assets

Down

$1,682,825

Down $351,623 (-17%) from 2013

Liabilities

Down

$18,348,818

Down $814,393 (-4.2%) from 2013

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin1st percentile

Revenue

Down

$864,412

Down $159,221 (-16%) from 2013

Expenses

Down

$1,168,152

Down $47,052 (-3.9%) from 2013

Net Income

Down

-$303,740

Down $112,169 (-59%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth6th percentile

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

$30M$20M$10M$0Assets 2010: $22,581,708Liabilities 2010: $20,700,555Net Assets 2010: $1,881,1532010Assets 2011: $20,360,321Liabilities 2011: $18,195,034Net Assets 2011: $2,165,2872011Assets 2012: $20,737,232Liabilities 2012: $18,473,414Net Assets 2012: $2,263,8182012Assets 2013: $21,197,659Liabilities 2013: $19,163,211Net Assets 2013: $2,034,4482013Assets 2014: $20,031,643Liabilities 2014: $18,348,818Net Assets 2014: $1,682,8252014Assets 2015: $19,909,912Liabilities 2015: $18,431,367Net Assets 2015: $1,478,5452015Assets 2016: $0Liabilities 2016: $0Net Assets 2016: $02016

Highlighted filing

2014

Assets$20,031,643
Liabilities$18,348,818
Net Assets$1,682,825
Open 2014 Filing

Operations Trend

Revenue Growth2nd percentile

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

$2.0M$1.0M$0-$1.0MExpenses 2010: $1,901,8642010Expenses 2011: $1,081,5232011Expenses 2012: $1,195,4272012Revenue 2013: $1,023,633Expenses 2013: $1,215,204Net Income 2013: -$191,5712013Revenue 2014: $864,412Expenses 2014: $1,168,152Net Income 2014: -$303,7402014Revenue 2015: $807,855Expenses 2015: $1,019,860Net Income 2015: -$212,0052015Revenue 2016: $334,449Expenses 2016: $550,955Net Income 2016: -$216,5062016

Highlighted filing

2014

Revenue$864,412
Expenses$1,168,152
Net Income-$303,740
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Aug 5, 2015
Return Version
2014v5.0
Gross Receipts
$864,412
Mission and Program Overview

Mission

Provide low cost financial services

Provide low cost financial services for the benefit of the credit union's members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,004,510$6,379,171▼ $1,625,339
Land, Buildings, and Equipment, Net$3,497,075$3,431,268▼ $65,807
Savings and Temporary Cash Investments$1,118,187$2,064,409▲ $946,222
Rtn Earn Endowment Incm Other Fnds$2,034,448$1,682,825▼ $351,623
Cash and Non-Interest-Bearing Accounts$426,842$360,216▼ $66,626
Investments in Publicly Traded Securities-$250,602-
Total Assets$21,197,659$20,031,643▼ $1,166,016
Other Assets Total$8,151,045$7,545,977▼ $605,068
Liabilities
Other Liabilities$19,109,282$18,324,746▼ $784,536
Accounts Payable and Accrued Expenses$53,929$24,072▼ $29,857
Total Liabilities$19,163,211$18,348,818▼ $814,393
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,034,448$1,682,825▼ $351,623
Total Liabilities and Net Assets / Fund Balance$21,197,659$20,031,643▼ $1,166,016

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,667,660$321,333$2,988,993
Land$569,000-$569,000
Equipment$60,235$310,112$370,347
Leasehold Improvements$134,373$82,695$217,068
Other Assets Org$25,497--
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Dan RobertsonCEOFT$96,396$96,396

Board Members and Trustees

NameTitle
Rod RodinskyPresident B/d
Louise CarsonBoard Member
Joe FoleyMember
Cindy TylerSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$532,420
Investment Income
$82,882
Other Revenue
$249,110
Change in Net Assets
$-303,740
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$781,064
Salaries, Compensation, and Employee Benefits$387,088
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$320,785
Other Salaries and Wages---$222,807
Fees for Services Other---$109,745
Current Officers, Directors, Trustees, and Key Employees---$96,396
Occupancy---$94,023
All Other Expenses---$65,418
Depreciation Depletion---$57,721
Information Technology---$49,831
Other Employee Benefits---$31,753
Payroll Taxes---$29,666
Fees for Services Accounting---$12,315
Interest---$7,991
Advertising---$7,675
Pension Plan Contributions---$6,466
Other Expenses---$4,918
Fees for Services Legal---$2,488
Conferences and Meetings---$1,881
Total Functional Expenses$0$0$0$1,168,152
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Savings$18,324,746
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Eagle Credit Union
EIN
94-0902652
Phone
2093402100
Address
1401 LAKESHORE DRIVE, LODI, CA 95242

Signing Officer

Name
Dan Robertson
Title
CEO
Phone
2093402100
Signed
2015-08-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dan Robertson
Formed
1929
Legal Domicile
CA
Voting Board Members
4
Independent Board Members
4
Employees
7
Volunteers
5

Preparer

Firm
Jacquilla Burrell CPA
Address
127 WEST BADILLO STREET STE 127E, COVINA, CA 91723
Preparer
Jacquilla Burrell
Phone
6263319744
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“Organization is a member owned state chartered credit union.”

Pt VI, Line 7A

“Board members are elected by the membership during the annual meeting.”

Pt VI, Line 7B

“Members vote for members running for a position on the Board of Directors. Some Board decision are ratified by the membership during the annual meeting and/or special meetings.”

Pt VI, Line 10B

“Daily auditing functions are performed to ensure compliance within policy..”

Pt VI, Line 11B

“The CEO reviews all tax statements prior to filing.”

Pt VI, Line 15A

“Board driven process with outside vendor's assistance.”

Pt VI, Line 15B

“Board driven process with outside vendor's assistance.”

Pt VI, Line 19

“Governing documents and the conflict of interest policy are not made available to the public. Financial statements are posted monthly in the lobby.”

Raw XML Appendix327 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Organization is a member owned state chartered credit union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Board members are elected by the membership during the annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members vote for members running for a position on the Board of Directors. Some Board decision are ratified by the membership during the annual meeting and/or special meetings.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Daily auditing functions are performed to ensure compliance within policy..
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The CEO reviews all tax statements prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Board driven process with outside vendor's assistance.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Board driven process with outside vendor's assistance.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Governing documents and the conflict of interest policy are not made available to the public. Financial statements are posted monthly in the lobby.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7b
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 15b
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IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt021197659
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt020031643
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01401 LAKESHORE DRIVE
IRS990/USAddress/CityNm0LODI
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd095242
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DAN ROBERTSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02093402100
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-08-05
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0EAGLE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0EAGL
ReturnHeader/Filer/EIN0940902652
ReturnHeader/Filer/PhoneNum02093402100
ReturnHeader/Filer/USAddress/AddressLine1Txt01401 LAKESHORE DRIVE
ReturnHeader/Filer/USAddress/CityNm0LODI
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd095242
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0JACQUILLA BURRELL CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0127 WEST BADILLO STREET STE 127E
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0COVINA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd091723
ReturnHeader/PreparerPersonGrp/PhoneNum06263319744
ReturnHeader/PreparerPersonGrp/PreparationDt02015-08-05
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JACQUILLA BURRELL
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02015-08-12T13:43:45-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$20,031,643
Liabilities
$18,348,818
Net assets
$1,682,825
Revenue
$864,412
Expenses
$1,168,152
Net income
-$303,740
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.33$0.55$0.22
2015Detailed filing. Detailed filing data is available for this year.$19.9$18.4$1.48$0.81$1.02$0.21
2014Detailed filing. Detailed filing data is available for this year.$20.0$18.3$1.68$0.86$1.17$0.30
2013Detailed filing. Detailed filing data is available for this year.$21.2$19.2$2.03$1.02$1.22$0.19
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.7$18.5$2.26$1.20
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.4$18.2$2.17$1.08
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.6$20.7$1.88$1.90