Civic Intelligence

Utility District Credit Union

990 • Fiscal year 2016 • EIN 94-1021891

Jan 01, 2016 to Dec 31, 2016 • Filed on Jun 29, 2017

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.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

95th percentile

32.90x

Higher debt load relative to revenue than 95% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

61st percentile

10%

Higher net margin than 61% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

69th percentile

$110,340

Higher top officer pay than 69% of similar nonprofits.

Top officer pay equals 12.5% of source-year revenue.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Asset Growth

61st percentile

4.1%

Faster asset growth than 61% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

41st percentile

2.0%

Faster revenue growth than 41% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets89th percentile

Assets

Up

$31,646,003

Up $1,255,471 (+4.1%) from 2015

Net Assets

Up

$2,628,725

Up $90,974 (+3.6%) from 2015

Liabilities

Up

$29,017,278

Up $1,164,497 (+4.2%) from 2015

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin61st percentile

Revenue

Up

$882,056

Up $16,872 (+2.0%) from 2015

Expenses

Up

$791,084

Up $50,777 (+6.9%) from 2015

Net Income

Down

$90,972

Down $33,905 (-27%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth61st 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

2016

Assets$31,646,003
Liabilities$29,017,278
Net Assets$2,628,725
Open 2016 Filing

Operations Trend

Revenue Growth41st 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

2016

Revenue$882,056
Expenses$791,084
Net Income$90,972
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jun 29, 2017
Return Version
2016v3.0
Gross Receipts
$882,056
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$19,085,594$19,901,736▲ $816,142
Other Notes and Loans Receivable, Net$9,840,877$9,872,552▲ $31,675
Rtn Earn Endowment Incm Other Fnds$2,537,751$2,628,725▲ $90,974
Savings and Temporary Cash Investments$740,287$1,025,963▲ $285,676
Cash and Non-Interest-Bearing Accounts$335,008$301,620▼ $33,388
Prepaid Expenses and Deferred Charges$93,136$108,807▲ $15,671
Land, Buildings, and Equipment, Net$3,863$1,017▼ $2,846
Total Assets$30,390,532$31,646,003▲ $1,255,471
Other Assets Total$291,767$434,308▲ $142,541
Liabilities
Other Liabilities$27,811,610$28,964,204▲ $1,152,594
Accounts Payable and Accrued Expenses$41,171$53,074▲ $11,903
Total Liabilities$27,852,781$29,017,278▲ $1,164,497
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,537,751$2,628,725▲ $90,974
Total Liabilities and Net Assets / Fund Balance$30,390,532$31,646,003▲ $1,255,471

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,017$130,319$131,336
Compensation and Service Providers
Top Officer Pay69th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Hassan Y ElmiCEOFT$110,340$110,340

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$587,835
Investment Income
$294,221
Other Revenue
$0
Change in Net Assets
$90,972
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$549,348
Other Expenses$241,736
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$273,817
Current Officers, Directors, Trustees, and Key Employees---$110,340
Other Employee Benefits---$85,462
Office Expenses---$71,135
Information Technology---$65,044
Pension Plan Contributions---$48,429
Payroll Taxes---$31,300
Insurance---$24,999
Interest---$18,692
Fees for Services Other---$13,174
Fees for Services Accounting---$12,305
Other Expenses---$6,762
Advertising---$5,655
Conferences and Meetings---$5,003
Depreciation Depletion---$3,955
Total Functional Expenses$0$0$0$791,084
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$28,964,204
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
2017-06-29
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”

Pt XI

“Line 9 $2 rounding error.”

Raw XML Appendix334 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.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt041171
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt053074
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0Mission promoting thrift and proving low cost loans to members.
IRS990/AdvertisingGrp/TotalAmt05655
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0HASSAN ELMIUTILITY DISTRICT CREDIT UNION
IRS990/BooksInCareOfDetail/PhoneNum05102870465
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0375 11TH STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0OAKLAND
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd094607
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0335008
IRS990/CashNonInterestBearingGrp/EOYAmt0301620
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0110340
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt05003
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0294221
IRS990/CYOtherExpensesAmt0241736
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0587835
IRS990/CYRevenuesLessExpensesAmt090972
IRS990/CYSalariesCompEmpBnftPaidAmt0549348
IRS990/CYTotalExpensesAmt0791084
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0882056
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt03955
IRS990/Desc0THE CREDIT UNION IS A COOPERATIVE ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND CREATING A SOURCE OF CREDIT FOR ITS MEMBERS AT COMPETITIVE INTEREST RATES.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt06
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt012305
IRS990/FeesForServicesOtherGrp/TotalAmt013174
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/PersonNm0DAVID REHNSTROM
IRS990/Form990PartVIISectionAGrp/PersonNm1KEN MINN
IRS990/Form990PartVIISectionAGrp/PersonNm2BARRY GARDIN
IRS990/Form990PartVIISectionAGrp/PersonNm3NIRMILA ARSEM
IRS990/Form990PartVIISectionAGrp/PersonNm4RAMONA GONZALEZ
IRS990/Form990PartVIISectionAGrp/PersonNm5JILL GASKINS
IRS990/Form990PartVIISectionAGrp/PersonNm6JIMI YOLOYE
IRS990/Form990PartVIISectionAGrp/PersonNm7HASSAN Y ELMI
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7110340
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01935
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0882056
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt065044
IRS990/InsuranceGrp/TotalAmt024999
IRS990/InterestGrp/TotalAmt018692
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0294221
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsPubTradedSecGrp/BOYAmt019085594
IRS990/InvestmentsPubTradedSecGrp/EOYAmt019901736
IRS990/IRPDocumentCnt0240
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0130319
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03863
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01017
IRS990/LandBldgEquipCostOrOtherBssAmt0131336
IRS990/LegalDomicileStateCd0CA
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Mission promoting thrift
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt02537751
IRS990/NetAssetsOrFundBalancesEOYAmt02628725
IRS990/NondeductibleContributionsInd0false
IRS990/OfficeExpensesGrp/TotalAmt071135
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0291767
IRS990/OtherAssetsTotalGrp/EOYAmt0434308
IRS990/OtherChangesInNetAssetsAmt02
IRS990/OtherEmployeeBenefitsGrp/TotalAmt085462
IRS990/OtherExpensesGrp/Desc0MISC
IRS990/OtherExpensesGrp/Desc1DUES
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/TotalAmt01049
IRS990/OtherExpensesGrp/TotalAmt19491
IRS990/OtherExpensesGrp/TotalAmt24472
IRS990/OtherExpensesGrp/TotalAmt36762
IRS990/OtherLiabilitiesGrp/BOYAmt027811610
IRS990/OtherLiabilitiesGrp/EOYAmt028964204
IRS990/OtherSalariesAndWagesGrp/TotalAmt0273817
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt09840877
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt09872552
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/TotalAmt031300
IRS990/PensionPlanContributionsGrp/TotalAmt048429
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt093136
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0108807
IRS990/PrincipalOfficerNm0HASSAN ELMI
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON MEMBERS LOANS
IRS990/ProgramServiceRevenueGrp/Desc1MISC FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0514300
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt149560
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt223975
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0331488
IRS990/PYOtherExpensesAmt0217885
IRS990/PYProgramServiceRevenueAmt0533696
IRS990/PYRevenuesLessExpensesAmt0124877
IRS990/PYSalariesCompEmpBnftPaidAmt0522422
IRS990/PYTotalExpensesAmt0740307
IRS990/PYTotalRevenueAmt0865184
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt090972
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02537751
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02628725
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0740287
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01025963
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt01017
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0130319
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0131336
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt028964204
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS (SAVINGS) SHARE ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01017
IRS990ScheduleD/TotalLiabilityAmt028964204
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0This organization is a member owned credit union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Credit Union members elect the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Only rarely do board decisions require members' approval.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Not reviewed by the Board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Not made public, available for review upon request
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Line 9 $2 rounding error.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt XI
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt030390532
IRS990/TotalAssetsEOYAmt031646003
IRS990/TotalAssetsGrp/BOYAmt030390532
IRS990/TotalAssetsGrp/EOYAmt031646003
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/TotalAmt0791084
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt027852781
IRS990/TotalLiabilitiesEOYAmt029017278
IRS990/TotalLiabilitiesGrp/BOYAmt027852781
IRS990/TotalLiabilitiesGrp/EOYAmt029017278
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02537751
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02628725
IRS990/TotalProgramServiceRevenueAmt0587835
IRS990/TotalReportableCompFromOrgAmt0110340
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0882056
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0882056
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt030390532
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt031646003
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/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0HASSAN ELMI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05102870467
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-06-29
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/FilingSecurityInformation/AtSubmissionCreationDeviceId072533FED5A15FB385EC330B6EF9698A0C837B1A6
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId072533FED5A15FB385EC330B6EF9698A0C837B1A6
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.93.120.96
ReturnHeader/FilingSecurityInformation/IPDt02017-06-29
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm018:14:43
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/ReturnTs02017-06-29T18:14:56-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$31,646,003
Liabilities
$29,017,278
Net assets
$2,628,725
Revenue
$882,056
Expenses
$791,084
Net income
$90,972
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