Civic Intelligence

Eagle Credit Union Co Unify Financial Credit Union

990 • Fiscal year 2015 • EIN 94-0902652

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 10, 2016

Organization ProfileN/A

View Organization Page

1899 Western WayTorrance, CA 90501

(877) 254-9328

Siviq Scores

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

Liabilities / Assets

94th percentile

0.93x

Higher debt load relative to assets than 94% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

63rd percentile

22.82x

Higher debt load relative to revenue than 63% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

3rd percentile

-26%

Higher net margin than 3% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

77th percentile

$93,061

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 11.5% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

23rd percentile

-0.6%

Faster asset growth than 23% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

9th percentile

-6.5%

Faster revenue growth than 9% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets94th percentile

Assets

Down

$19,909,912

Down $121,731 (-0.6%) from 2014

Net Assets

Down

$1,478,545

Down $204,280 (-12%) from 2014

Liabilities

Up

$18,431,367

Up $82,549 (+0.4%) from 2014

Revenue And Expenses
Liabilities / Revenue63rd percentileNet Margin3rd percentile

Revenue

Down

$807,855

Down $56,557 (-6.5%) from 2014

Expenses

Down

$1,019,860

Down $148,292 (-13%) from 2014

Net Income

Up

-$212,005

Up $91,735 (+30%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth23rd 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

2015

Assets$19,909,912
Liabilities$18,431,367
Net Assets$1,478,545
Open 2015 Filing

Operations Trend

Revenue Growth9th 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

2015

Revenue$807,855
Expenses$1,019,860
Net Income-$212,005
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 10, 2016
Return Version
2015v2.1
Gross Receipts
$807,855
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$6,379,171$5,507,500▼ $871,671
Land, Buildings, and Equipment, Net$3,431,268$3,389,121▼ $42,147
Rtn Earn Endowment Incm Other Fnds$1,682,825$1,478,545▼ $204,280
Savings and Temporary Cash Investments$2,064,409$1,262,270▼ $802,139
Cash and Non-Interest-Bearing Accounts$360,216$369,492▲ $9,276
Investments in Publicly Traded Securities$250,602--
Total Assets$20,031,643$19,909,912▼ $121,731
Other Assets Total$7,545,977$9,381,529▲ $1,835,552
Liabilities
Other Liabilities$18,324,746$18,411,179▲ $86,433
Accounts Payable and Accrued Expenses$24,072$20,188▼ $3,884
Total Liabilities$18,348,818$18,431,367▲ $82,549
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,682,825$1,478,545▼ $204,280
Total Liabilities and Net Assets / Fund Balance$20,031,643$19,909,912▼ $121,731

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,410,990$271,109$2,682,099
Land$569,000-$569,000
Leasehold Improvements$329,600$194,362$523,962
Equipment$79,531$338,316$417,847
Other Assets Org$25,497--
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Dan RobertsonCEOFT$93,061$93,061

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
$466,108
Investment Income
$100,205
Other Revenue
$241,542
Change in Net Assets
$-212,005
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$604,391
Salaries, Compensation, and Employee Benefits$415,469
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$340,266
Other Salaries and Wages---$240,799
Current Officers, Directors, Trustees, and Key Employees---$93,061
Occupancy---$80,192
Depreciation Depletion---$77,392
Fees for Services Other---$63,153
Fees for Services Accounting---$58,477
Other Employee Benefits---$38,912
Information Technology---$30,619
Payroll Taxes---$29,421
Insurance---$21,351
Other Expenses---$13,363
Pension Plan Contributions---$13,276
Interest---$7,654
Advertising---$5,632
Fees for Services Legal---$2,746
Conferences and Meetings---$1,522
Total Functional Expenses$0$0$0$1,019,860
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$18,411,179
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 CO UNIFY Financial CREDIT UNION
EIN
94-0902652
Phone
8772549328
Address
1899 WESTERN WAY, TORRANCE, CA 90501

Signing Officer

Name
Dan Robertson
Title
CEO
Phone
8772549328
Signed
2016-11-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Hugo Silva
Formed
1929
Legal Domicile
CA
Voting Board Members
4
Independent Board Members
4
Employees
10
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.”

Other

“PT XI Line 9 -Credit Union unable to determine what caused the $7,725 difference.”

Raw XML Appendix342 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/ExplanationTxt8PT XI Line 9 -Credit Union unable to determine what caused the $7,725 difference.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 11b
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 15b
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Other
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IRS990/TotalAssetsGrp/BOYAmt020031643
IRS990/TotalAssetsGrp/EOYAmt019909912
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/TotalAmt01019860
IRS990/TotalGrossUBIAmt012286
IRS990/TotalLiabilitiesBOYAmt018348818
IRS990/TotalLiabilitiesEOYAmt018431367
IRS990/TotalLiabilitiesGrp/BOYAmt018348818
IRS990/TotalLiabilitiesGrp/EOYAmt018431367
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01682825
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01478545
IRS990/TotalProgramServiceRevenueAmt0466108
IRS990/TotalReportableCompFromOrgAmt093061
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0795569
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0807855
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt012286
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt020031643
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt019909912
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
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IRS990/USAddress/CityNm0TORRANCE
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd090501
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DAN ROBERTSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08772549328
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-11-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0EAGLE CREDIT UNION CO UNIFY Financial CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0EAGL
ReturnHeader/Filer/EIN0940902652
ReturnHeader/Filer/PhoneNum08772549328
ReturnHeader/Filer/USAddress/AddressLine1Txt01899 WESTERN WAY
ReturnHeader/Filer/USAddress/CityNm0TORRANCE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd090501
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/PreparationDt02016-11-10
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JACQUILLA BURRELL
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02016-11-10T14:33:29-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$19,909,912
Liabilities
$18,431,367
Net assets
$1,478,545
Revenue
$807,855
Expenses
$1,019,860
Net income
-$212,005
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