Civic Intelligence

Utility District Credit Union

990 • Fiscal year 2014 • EIN 94-1021891

Jan 01, 2014 to Dec 31, 2014 • Filed on Jul 17, 2015

Organization Profilewww.udcu.org

View Organization Page

375 11th StreetOakland, CA 94607

(510) 287-0467

Siviq Scores

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

Liabilities / Assets

89th percentile

0.92x

Higher debt load relative to assets than 89% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Liabilities / Revenue

94th percentile

31.51x

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

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Net Margin

81st percentile

16%

Higher net margin than 81% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Top Officer Pay

74th percentile

$117,959

Higher top officer pay than 74% of similar nonprofits.

Top officer pay equals 13.8% of source-year revenue.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Asset Growth

88th percentile

7.4%

Faster asset growth than 88% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Revenue Growth

78th percentile

4.1%

Faster revenue growth than 78% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets89th percentile

Assets

Up

$29,331,473

Up $2,031,118 (+7.4%) from 2013

Net Assets

Up

$2,412,874

Up $135,151 (+5.9%) from 2013

Liabilities

Up

$26,918,599

Up $1,895,967 (+7.6%) from 2013

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin81st percentile

Revenue

Up

$854,392

Up $33,289 (+4.1%) from 2013

Expenses

Up

$719,241

Up $4,486 (+0.6%) from 2013

Net Income

Up

$135,151

Up $28,803 (+27%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth88th percentile

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

$40M$30M$20M$10M$0Assets 2010: $25,388,115Liabilities 2010: $23,285,849Net Assets 2010: $2,102,2662010Assets 2011: $27,075,099Liabilities 2011: $24,977,546Net Assets 2011: $2,097,5532011Assets 2012: $27,181,640Liabilities 2012: $25,039,831Net Assets 2012: $2,141,8092012Assets 2013: $27,300,355Liabilities 2013: $25,022,632Net Assets 2013: $2,277,7232013Assets 2014: $29,331,473Liabilities 2014: $26,918,599Net Assets 2014: $2,412,8742014Assets 2015: $30,390,532Liabilities 2015: $27,852,781Net Assets 2015: $2,537,7512015Assets 2016: $31,646,003Liabilities 2016: $29,017,278Net Assets 2016: $2,628,7252016Assets 2017: $31,611,769Liabilities 2017: $28,876,357Net Assets 2017: $2,735,4122017Assets 2018: $32,833,848Liabilities 2018: $29,953,745Net Assets 2018: $2,880,1032018Assets 2019: $32,576,787Liabilities 2019: $29,531,731Net Assets 2019: $3,045,0562019Assets 2020: $36,075,380Liabilities 2020: $33,006,676Net Assets 2020: $3,068,7042020Assets 2021: $36,719,200Liabilities 2021: $33,843,664Net Assets 2021: $2,875,5362021Assets 2022: $37,976,975Liabilities 2022: $35,174,661Net Assets 2022: $2,802,3142022Assets 2023: $36,614,254Liabilities 2023: $33,864,474Net Assets 2023: $2,749,7802023Assets 2024: $32,833,109Liabilities 2024: $30,067,768Net Assets 2024: $2,765,3412024

Highlighted filing

2014

Assets$29,331,473
Liabilities$26,918,599
Net Assets$2,412,874
Open 2014 Filing

Operations Trend

Revenue Growth78th percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $937,9992010Expenses 2011: $901,8752011Expenses 2012: $801,3812012Revenue 2013: $821,103Expenses 2013: $714,755Net Income 2013: $106,3482013Revenue 2014: $854,392Expenses 2014: $719,241Net Income 2014: $135,1512014Revenue 2015: $865,184Expenses 2015: $740,307Net Income 2015: $124,8772015Revenue 2016: $882,056Expenses 2016: $791,084Net Income 2016: $90,9722016Revenue 2017: $895,548Expenses 2017: $788,861Net Income 2017: $106,6872017Revenue 2018: $991,585Expenses 2018: $846,894Net Income 2018: $144,6912018Revenue 2019: $1,031,567Expenses 2019: $866,624Net Income 2019: $164,9432019Revenue 2020: $909,484Expenses 2020: $885,836Net Income 2020: $23,6482020Revenue 2021: $700,015Expenses 2021: $893,183Net Income 2021: -$193,1682021Revenue 2022: $816,860Expenses 2022: $890,082Net Income 2022: -$73,2222022Revenue 2023: $995,618Expenses 2023: $1,032,920Net Income 2023: -$37,3022023Revenue 2024: $1,028,680Expenses 2024: $999,846Net Income 2024: $28,8342024

Highlighted filing

2014

Revenue$854,392
Expenses$719,241
Net Income$135,151
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Jul 17, 2015
Return Version
2014v5.0
Gross Receipts
$854,392
Mission and Program Overview

Mission

Promoting thrift and providing low cost loans to members.

Mission promoting thrift and proving low cost loans to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$17,294,028$19,319,844▲ $2,025,816
Other Notes and Loans Receivable, Net$7,997,774$8,516,931▲ $519,157
Rtn Earn Endowment Incm Other Fnds$2,277,723$2,412,874▲ $135,151
Savings and Temporary Cash Investments$1,317,628$726,278▼ $591,350
Cash and Non-Interest-Bearing Accounts$337,126$385,257▲ $48,131
Prepaid Expenses and Deferred Charges$30,610$14,063▼ $16,547
Land, Buildings, and Equipment, Net$838$7,240▲ $6,402
Total Assets$27,300,355$29,331,473▲ $2,031,118
Other Assets Total$322,351$361,860▲ $39,509
Liabilities
Other Liabilities$24,989,699$26,888,190▲ $1,898,491
Accounts Payable and Accrued Expenses$32,933$30,409▼ $2,524
Total Liabilities$25,022,632$26,918,599▲ $1,895,967
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,277,723$2,412,874▲ $135,151
Total Liabilities and Net Assets / Fund Balance$27,300,355$29,331,473▲ $2,031,118

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$7,240$122,182$129,422
Compensation and Service Providers
Top Officer Pay74th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Hassan Y ElmiCEOFT$117,959$117,959

Board Members and Trustees

NameTitle
Barry GardinPresident
Ramona GonzalezVice President
David RehnstromBoard Member
Ken MinnBoard Member
Mona FosterwhiteBoard Member
Nirmila ArsemBoard Member
Jimi YoloyeSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$507,448
Investment Income
$346,944
Other Revenue
$0
Change in Net Assets
$135,151
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$505,043
Other Expenses$214,198
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$240,379
Current Officers, Directors, Trustees, and Key Employees---$117,959
Other Employee Benefits---$86,125
Information Technology---$62,942
Office Expenses---$49,788
Payroll Taxes---$31,601
Pension Plan Contributions---$28,979
Interest---$19,887
Insurance---$17,480
Fees for Services Accounting---$11,828
Conferences and Meetings---$5,173
Fees for Services Other---$5,040
Depreciation Depletion---$4,436
Advertising---$4,191
All Other Expenses---$4,135
Other Expenses---$-4,332
Total Functional Expenses$0$0$0$719,241
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
Members (savings) Share Accounts$26,888,190
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Utility District Credit Union
EIN
94-1021891
Phone
5102870467
Address
375 11TH STREET, OAKLAND, CA 94607

Signing Officer

Name
Hassan Elmi
Title
CEO
Phone
5102870467
Signed
2015-07-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Hassan Elmi
Formed
1935
Legal Domicile
CA
Voting Board Members
6
Independent Board Members
6
Employees
6
Volunteers
6

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

“This organization is a member owned credit union.”

Pt VI, Line 7A

“Credit Union members elect the board of directors.”

Pt VI, Line 7B

“Only rarely do board decisions require members' approval.”

Pt VI, Line 11B

“Not reviewed by the Board”

Pt VI, Line 19

“Not made public, available for review upon request”

Form 990, Part IX, Line 24F

“Publication & reference supervisory committee atm expenses franchise tax collection ncusif stablization expense misc”

Raw XML Appendix326 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/ExplanationTxt1Credit Union members elect the board of directors.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Not reviewed by the Board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Not made public, available for review upon request
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5PUBLICATION & REFERENCE SUPERVISORY COMMITTEE ATM EXPENSES FRANCHISE TAX COLLECTION NCUSIF STABLIZATION EXPENSE MISC
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IX, Line 24f
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt027300355
IRS990/TotalAssetsEOYAmt029331473
IRS990/TotalAssetsGrp/BOYAmt027300355
IRS990/TotalAssetsGrp/EOYAmt029331473
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/TotalAmt0719241
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt025022632
IRS990/TotalLiabilitiesEOYAmt026918599
IRS990/TotalLiabilitiesGrp/BOYAmt025022632
IRS990/TotalLiabilitiesGrp/EOYAmt026918599
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02277723
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02412874
IRS990/TotalProgramServiceRevenueAmt0507448
IRS990/TotalReportableCompFromOrgAmt0117959
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0854392
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0854392
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt027300355
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt029331473
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0375 11TH STREET
IRS990/USAddress/CityNm0OAKLAND
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd094607
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0www.udcu.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0HASSAN ELMI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05102870467
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-07-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0UTILITY DISTRICT CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0UTIL
ReturnHeader/Filer/EIN0941021891
ReturnHeader/Filer/PhoneNum05102870467
ReturnHeader/Filer/USAddress/AddressLine1Txt0375 11TH STREET
ReturnHeader/Filer/USAddress/CityNm0OAKLAND
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd094607
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/PreparerPersonNm0JACQUILLA BURRELL
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02015-07-28T09:02:30-07:00
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
$29,331,473
Liabilities
$26,918,599
Net assets
$2,412,874
Revenue
$854,392
Expenses
$719,241
Net income
$135,151
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$32.8$30.1$2.77$1.03$1.00$0.03
2023Detailed filing. Detailed filing data is available for this year.$36.6$33.9$2.75$1.00$1.03$0.04
2022Detailed filing. Detailed filing data is available for this year.$38.0$35.2$2.80$0.82$0.89$0.07
2021Detailed filing. Detailed filing data is available for this year.$36.7$33.8$2.88$0.70$0.89$0.19
2020Detailed filing. Detailed filing data is available for this year.$36.1$33.0$3.07$0.91$0.89$0.02
2019Detailed filing. Detailed filing data is available for this year.$32.6$29.5$3.05$1.03$0.87$0.16
2018Detailed filing. Detailed filing data is available for this year.$32.8$30.0$2.88$0.99$0.85$0.14
2017Detailed filing. Detailed filing data is available for this year.$31.6$28.9$2.74$0.90$0.79$0.11
2016Detailed filing. Detailed filing data is available for this year.$31.6$29.0$2.63$0.88$0.79$0.09
2015Detailed filing. Detailed filing data is available for this year.$30.4$27.9$2.54$0.87$0.74$0.12
2014Detailed filing. Detailed filing data is available for this year.$29.3$26.9$2.41$0.85$0.72$0.14
2013Detailed filing. Detailed filing data is available for this year.$27.3$25.0$2.28$0.82$0.71$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.2$25.0$2.14$0.80
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.1$25.0$2.10$0.90
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.4$23.3$2.10$0.94
Peer Organizations

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