Civic Intelligence

Utility District Credit Union

990 • Fiscal year 2015 • EIN 94-1021891

Jan 01, 2015 to Dec 31, 2015 • Filed on May 05, 2016

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

88th percentile

0.92x

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

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

94th percentile

32.19x

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

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

78th percentile

14%

Higher net margin than 78% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

63rd percentile

$108,751

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 12.6% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

56th percentile

3.6%

Faster asset growth than 56% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

51st percentile

1.3%

Faster revenue growth than 51% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets88th percentile

Assets

Up

$30,390,532

Up $1,059,059 (+3.6%) from 2014

Net Assets

Up

$2,537,751

Up $124,877 (+5.2%) from 2014

Liabilities

Up

$27,852,781

Up $934,182 (+3.5%) from 2014

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin78th percentile

Revenue

Up

$865,184

Up $10,792 (+1.3%) from 2014

Expenses

Up

$740,307

Up $21,066 (+2.9%) from 2014

Net Income

Down

$124,877

Down $10,274 (-7.6%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth56th 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

2015

Assets$30,390,532
Liabilities$27,852,781
Net Assets$2,537,751
Open 2015 Filing

Operations Trend

Revenue Growth51st 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

2015

Revenue$865,184
Expenses$740,307
Net Income$124,877
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 5, 2016
Return Version
2015v2.1
Gross Receipts
$865,184
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$19,319,844$19,085,594▼ $234,250
Other Notes and Loans Receivable, Net$8,516,931$9,840,877▲ $1,323,946
Rtn Earn Endowment Incm Other Fnds$2,412,874$2,537,751▲ $124,877
Savings and Temporary Cash Investments$726,278$740,287▲ $14,009
Cash and Non-Interest-Bearing Accounts$385,257$335,008▼ $50,249
Prepaid Expenses and Deferred Charges$14,063$93,136▲ $79,073
Land, Buildings, and Equipment, Net$7,240$3,863▼ $3,377
Total Assets$29,331,473$30,390,532▲ $1,059,059
Other Assets Total$361,860$291,767▼ $70,093
Liabilities
Other Liabilities$26,888,190$27,811,610▲ $923,420
Accounts Payable and Accrued Expenses$30,409$41,171▲ $10,762
Total Liabilities$26,918,599$27,852,781▲ $934,182
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,412,874$2,537,751▲ $124,877
Total Liabilities and Net Assets / Fund Balance$29,331,473$30,390,532▲ $1,059,059

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$3,863$126,364$130,227
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Hassan Y ElmiCEOFT$108,751$108,751

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
$533,696
Investment Income
$331,488
Other Revenue
$0
Change in Net Assets
$124,877
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$522,422
Other Expenses$217,885
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$254,093
Current Officers, Directors, Trustees, and Key Employees---$108,751
Other Employee Benefits---$82,993
Information Technology---$63,462
Office Expenses---$54,869
Pension Plan Contributions---$45,912
Payroll Taxes---$30,673
Insurance---$20,797
Interest---$19,917
Fees for Services Other---$13,556
Fees for Services Accounting---$11,872
Advertising---$5,132
Depreciation Depletion---$4,182
Conferences and Meetings---$4,049
Other Expenses---$-8,558
Total Functional Expenses$0$0$0$740,307
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$27,811,610
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
2016-05-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Hassan Elmi
Formed
1935
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
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 Appendix325 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/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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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt029331473
IRS990/TotalAssetsEOYAmt030390532
IRS990/TotalAssetsGrp/BOYAmt029331473
IRS990/TotalAssetsGrp/EOYAmt030390532
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/TotalAmt0740307
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt026918599
IRS990/TotalLiabilitiesEOYAmt027852781
IRS990/TotalLiabilitiesGrp/BOYAmt026918599
IRS990/TotalLiabilitiesGrp/EOYAmt027852781
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02412874
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02537751
IRS990/TotalProgramServiceRevenueAmt0533696
IRS990/TotalReportableCompFromOrgAmt0108751
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0865184
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0865184
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt029331473
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt030390532
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0375 11TH STREET
IRS990/USAddress/CityNm0OAKLAND
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd094607
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.udcu.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0HASSAN ELMI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05102870467
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-05
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/ReturnTs02016-05-05T14:38:45-07:00
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
$30,390,532
Liabilities
$27,852,781
Net assets
$2,537,751
Revenue
$865,184
Expenses
$740,307
Net income
$124,877
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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