Civic Intelligence

First Us Community Credit Union

990 • Fiscal year 2015 • EIN 94-1019805

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 14, 2016

Organization ProfileWWW.FIRSTUS.ORG

View Organization Page

580 University AvenueSacramento, CA 95825

(916) 576-5600

Siviq Scores

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

Liabilities / Assets

55th percentile

0.90x

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

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

92nd percentile

25.63x

Higher debt load relative to revenue than 92% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

55th percentile

14%

Higher net margin than 55% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

28th percentile

$307,505

Higher top officer pay than 28% of similar nonprofits.

Top officer pay equals 2.6% of source-year revenue.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

96th percentile

22%

Faster asset growth than 96% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

92nd percentile

19%

Faster revenue growth than 92% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets55th percentile

Assets

Up

$335,877,535

Up $61,274,390 (+22%) from 2014

Net Assets

Up

$34,145,146

Up $6,150,108 (+22%) from 2014

Liabilities

Up

$301,732,389

Up $55,124,282 (+22%) from 2014

Revenue And Expenses
Liabilities / Revenue92nd percentileNet Margin55th percentile

Revenue

Up

$11,773,690

Up $1,887,003 (+19%) from 2014

Expenses

Up

$10,076,434

Up $2,317,900 (+30%) from 2014

Net Income

Down

$1,697,256

Down $430,897 (-20%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth96th percentile

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

$600M$400M$200M$0Assets 2010: $232,356,673Liabilities 2010: $211,629,628Net Assets 2010: $20,727,0452010Assets 2011: $240,218,776Liabilities 2011: $219,312,543Net Assets 2011: $20,906,2332011Assets 2012: $251,261,369Liabilities 2012: $228,072,018Net Assets 2012: $23,189,3512012Assets 2013: $253,331,011Liabilities 2013: $227,805,597Net Assets 2013: $25,525,4142013Assets 2014: $274,603,145Liabilities 2014: $246,608,107Net Assets 2014: $27,995,0382014Assets 2015: $335,877,535Liabilities 2015: $301,732,389Net Assets 2015: $34,145,1462015Assets 2016: $347,984,680Liabilities 2016: $311,534,610Net Assets 2016: $36,450,0702016Assets 2017: $364,234,033Liabilities 2017: $325,286,026Net Assets 2017: $38,948,0072017Assets 2018: $372,022,835Liabilities 2018: $329,324,176Net Assets 2018: $42,698,6592018Assets 2019: $409,407,018Liabilities 2019: $360,413,114Net Assets 2019: $48,993,9042019Assets 2020: $473,842,862Liabilities 2020: $420,510,433Net Assets 2020: $53,332,4292020Assets 2021: $521,811,500Liabilities 2021: $466,044,023Net Assets 2021: $55,767,4772021Assets 2022: $541,542,858Liabilities 2022: $492,905,018Net Assets 2022: $48,637,8402022Assets 2023: $535,921,532Liabilities 2023: $483,107,893Net Assets 2023: $52,813,6392023Assets 2024: $537,733,751Liabilities 2024: $482,574,637Net Assets 2024: $55,159,1142024

Highlighted filing

2015

Assets$335,877,535
Liabilities$301,732,389
Net Assets$34,145,146
Open 2015 Filing

Operations Trend

Revenue Growth92nd percentile

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

$30M$20M$10M$0Expenses 2010: $11,268,2682010Expenses 2011: $10,423,2812011Expenses 2012: $7,725,5312012Revenue 2013: $10,430,509Expenses 2013: $7,821,418Net Income 2013: $2,609,0912013Revenue 2014: $9,886,687Expenses 2014: $7,758,534Net Income 2014: $2,128,1532014Revenue 2015: $11,773,690Expenses 2015: $10,076,434Net Income 2015: $1,697,2562015Revenue 2016: $12,307,599Expenses 2016: $10,106,089Net Income 2016: $2,201,5102016Revenue 2017: $13,844,469Expenses 2017: $11,006,381Net Income 2017: $2,838,0882017Revenue 2018: $15,121,365Expenses 2018: $11,487,835Net Income 2018: $3,633,5302018Revenue 2019: $16,812,965Expenses 2019: $13,336,977Net Income 2019: $3,475,9882019Revenue 2020: $16,978,310Expenses 2020: $13,348,216Net Income 2020: $3,630,0942020Revenue 2021: $16,140,124Expenses 2021: $12,241,782Net Income 2021: $3,898,3422021Revenue 2022: $17,991,070Expenses 2022: $14,063,521Net Income 2022: $3,927,5492022Revenue 2023: $22,613,164Expenses 2023: $19,950,874Net Income 2023: $2,662,2902023Revenue 2024: $24,461,143Expenses 2024: $23,703,279Net Income 2024: $757,8642024

Highlighted filing

2015

Revenue$11,773,690
Expenses$10,076,434
Net Income$1,697,256
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 14, 2016
Return Version
2015v2.1
Gross Receipts
$11,773,690
Mission and Program Overview

Mission

First us is a member-owned financial institution. Our mission is to provide value, service, and financial solutions to our members.

Our mission is to provide value, service, and financial solutions to our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$151,892,364$189,381,574▲ $37,489,210
Investments Other Securities$99,277,799$120,704,236▲ $21,426,437
Rtn Earn Endowment Incm Other Fnds$27,995,038$34,145,146▲ $6,150,108
Accounts Receivable$5,950,238$5,629,915▼ $320,323
Land, Buildings, and Equipment, Net$3,562,370$4,291,748▲ $729,378
Cash and Non-Interest-Bearing Accounts$1,644,103$2,101,466▲ $457,363
Prepaid Expenses and Deferred Charges$510,213$580,351▲ $70,138
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$274,603,145$335,877,535▲ $61,274,390
Other Assets Total$11,766,058$13,188,245▲ $1,422,187
Liabilities
Other Liabilities$244,944,778$298,869,444▲ $53,924,666
Accounts Payable and Accrued Expenses$1,663,329$2,862,945▲ $1,199,616
Total Liabilities$246,608,107$301,732,389▲ $55,124,282
Net Assets / Fund Balance
Total Net Assets Fund Balance$27,995,038$34,145,146▲ $6,150,108
Total Liabilities and Net Assets / Fund Balance$274,603,145$335,877,535▲ $61,274,390

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$526,283$2,799,756$3,326,039
Buildings$2,356,562$862,702$3,219,264
Leasehold Improvements$303,451$1,519,753$1,823,204
Land$1,105,452-$1,105,452
Other Securities$713,965--
Compensation and Service Providers
Top Officer Pay28th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Carol HauckPresident/CEOFT$246,557$61,482$308,039
Linda SweetBig Valley AdvisorFT$164,699$24,371$189,070
Jance DaltonVP/itFT$120,103$46,183$166,286
Jeffrey CrumpVP/CFOFT$134,165$23,223$157,388
Julie AinsworthVP/operationsFT$103,089$26,707$129,796

Board Members and Trustees

NameTitle
Dick CochranChair
Richard BenderVice Chair
Brian DoyleDirector
Clarence ParkinsDirector
Gary StakerDirector
Nancy LeeDirector
Phil KeithDirector
James GomesSecretary
John AndersonTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Member Driven TechnologiesIt Services30230 ORCHARD LAKE ROAD, Farmington Hills, MI 48334$641,449
Kraft Opich LLCAttorney7509 MADISON AVE STE 111, Citrus Heights, CA 95610$161,620
Clayton DesignMarketing, Printing635 DAFFODIL DRIVE, Benicia, CA 94510$152,027
Telepacific CommunicationsPhone ServicesPO BOX 509013, San Diego, CA 92150$122,512
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$10,475,084
Investment Income
$1,293,205
Other Revenue
$5,401
Change in Net Assets
$1,697,256
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,744,489
Salaries, Compensation, and Employee Benefits$4,743,797
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,171,714
Office Expenses---$1,071,339
Occupancy---$682,118
Current Officers, Directors, Trustees, and Key Employees---$631,713
Benefits to Members---$588,148
Other Expenses---$423,470
Fees for Services Other---$384,786
Information Technology---$375,093
Advertising---$356,374
Other Employee Benefits---$322,394
Pension Plan Contributions---$321,363
Payroll Taxes---$296,613
Depreciation Depletion---$215,520
All Other Expenses---$108,179
Fees for Services Accounting---$79,315
Travel---$74,959
Fees for Services Legal---$65,148
Insurance---$60,794
Interest---$2
Total Functional Expenses$0$0$0$10,076,434
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 Shares$298,869,444
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
Yes
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

Governance Explanations

Form 990, Part VI, Section A, Line 4

“The governing documents were updated due to the merger of big valley credit union. The following items were changed: - range of board seats changed to 5- 15 - range of supervisory committee seats changed to 3-6 - field of membership was updated to add big valley's primary safeway group and some other smaller segments.”

Form 990, Part VI, Section A, Line 6

“The credit union's members have rights to elect the members of the governing body. The credit union's members also receive a share of the organization's profits in the form of cash dividends.”

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

“Members of the credit union have the right to elect one or more members of the organization's governing body, whether periodically, or as vacancies arise, or otherwise.”

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

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

Form 990, Part VI, Section B, Line 11

“Form 990 is reviewed in detail by the ceo and cfo, focusing on back-up supporting detail as needed. The board of directors and supervisory committee also review form 990 prior to filing with the return with the irs.”

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

“Key employee activities are monitored by our external/regulatory audit(s) and internal review processes on a regular basis through reports, systems, audited, etc. In addition, each manager monitors the activity of their staff members to ensure best practices and eliminate the ability for behavior that conflicts with the credit union's code of conduct.”

Form 990, Part VI, Section B, Line 15

“First us community credit union participates in several industry-related compensation surveys every year. Data from these surveys is then reviewed and analyzed, based on factors such as region, area, asset size, number of employees, number of members, etc. To attempt to match "comparable" pay data, and ranges are determined for each position. With midpoint representing market salary for an experienced incumbent, we determine placement within the range based on a number of factors including education, years of experience, level of past experience, salaries of employees with comparable experience and responsibility of position.”

Form 990, Part VI, Section C, Line 19

“Financial statements are provided at the annual meeting of members. The 2015 annual report is available online.”

Filing and Contact Details

Filer

Filer Name
First US Community Credit Union
EIN
94-1019805
Phone
9165765600
Address
580 UNIVERSITY AVENUE, SACRAMENTO, CA 95825

Signing Officer

Name
Jeff Crump
Title
Vice President/CFO
Phone
9165765600
Signed
2016-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Carol Hauck
Formed
1936
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
86
Volunteers
13

Preparer

Firm
Rsm US Llp
Address
801 NICOLLET MALL SUITE 1100, MINNEAPOLIS, MN 55402
Preparer
Gerald B Kissell
Phone
6123324300
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Equity acquired in merger 4,680,239.”

Raw XML AppendixShowing 400 of 539 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/Desc0FOR OVER 80 YEARS, FIRST US COMMUNTY CREDIT UNION ("FIRST US") HAS PROVIDED LENDING AND DEPOSIT PRODUCTS AND SERVICES TO ITS MEMBERS. FIRST US SERVES ANYONE WHO LIVES, WORKS, OR WORSHIPS (INCLUDING STATEWIDE CURRENT AND RETIRED FEDERAL EMPLOYEES AND THEIR FAMILIES) IN 12 COUNTIES IN THE GREATER SACRAMENTO, CA REGION. A WIDE RANGE OF LOAN PRODUCTS AND SERVICES ARE OFFERED INCLUDING RESIDENTIAL AND COMMERICAL REAL ESTATE, COMMERCIAL BUSINESS (I.E. SMALL BUSINESS ADMINISTRATION), VEHICLE, AND OTHER CONSUMER LOANS. TOTAL ASSETS AT DECEMBER 2015 WERE APPROX. $336 MILLION.
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IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP/IT
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP/OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt13BIG VALLEY ADVISOR
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IRS990/OfficeExpensesGrp/TotalAmt01071339
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
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IRS990/OtherEmployeeBenefitsGrp/TotalAmt0322394
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IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
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IRS990/OtherExpensesGrp/TotalAmt1423470
IRS990/OtherLiabilitiesGrp/BOYAmt0244944778
IRS990/OtherLiabilitiesGrp/EOYAmt0298869444
IRS990/OtherSalariesAndWagesGrp/TotalAmt03171714
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0189381574
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IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0510213
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0580351
IRS990/PrincipalOfficerNm0CAROL HAUCK
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11315661
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21155334
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11344867
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21269302
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt029206
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1113968
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IRS990/ProhibitedTaxShelterTransInd00
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IRS990/PYOtherRevenueAmt08923
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IRS990/PYRevenuesLessExpensesAmt02128153
IRS990/PYSalariesCompEmpBnftPaidAmt03858123
IRS990/PYTotalExpensesAmt07758534
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt09886687
IRS990/ReconcilationRevenueExpnssAmt01697256
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IRS990/RelatedOrganizationCtrlEntInd00
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IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02356562
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0862702
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03219264
IRS990ScheduleD/EquipmentGrp/BookValueAmt0526283
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02799756
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03326039
IRS990ScheduleD/LandGrp/BookValueAmt01105452
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01105452
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IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01823204
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0298869444
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt023159643
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt169836002
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt28701042
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt318068018
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt4225566
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt5713965
IRS990ScheduleD/OtherSecuritiesGrp/Desc0JUMBO CD INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1FEDERAL AGENCY SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc2AGENCY MORTGAGE SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc3US TREASURY NOTES
IRS990ScheduleD/OtherSecuritiesGrp/Desc4SBA SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc5CATALYST INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4F
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt112459

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Filings

Displayed year

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

Open filing
Assets
$335,877,535
Liabilities
$301,732,389
Net assets
$34,145,146
Revenue
$11,773,690
Expenses
$10,076,434
Net income
$1,697,256
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$538$483$55.2$24.5$23.7$0.76
2023Detailed filing. Detailed filing data is available for this year.$536$483$52.8$22.6$20.0$2.66
2022Detailed filing. Detailed filing data is available for this year.$542$493$48.6$18.0$14.1$3.93
2021Detailed filing. Detailed filing data is available for this year.$522$466$55.8$16.1$12.2$3.90
2020Detailed filing. Detailed filing data is available for this year.$474$421$53.3$17.0$13.3$3.63
2019Detailed filing. Detailed filing data is available for this year.$409$360$49.0$16.8$13.3$3.48
2018Detailed filing. Detailed filing data is available for this year.$372$329$42.7$15.1$11.5$3.63
2017Detailed filing. Detailed filing data is available for this year.$364$325$38.9$13.8$11.0$2.84
2016Detailed filing. Detailed filing data is available for this year.$348$312$36.5$12.3$10.1$2.20
2015Detailed filing. Detailed filing data is available for this year.$336$302$34.1$11.8$10.1$1.70
2014Detailed filing. Detailed filing data is available for this year.$275$247$28.0$9.89$7.76$2.13
2013Detailed filing. Detailed filing data is available for this year.$253$228$25.5$10.4$7.82$2.61
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$251$228$23.2$7.73
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$240$219$20.9$10.4
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$232$212$20.7$11.3