Civic Intelligence

Safe Credit Union

990 • Fiscal year 2013 • EIN 94-1179501

Jan 01, 2013 to Dec 31, 2013 • Filed on May 12, 2014

Organization ProfileWWW.SAFECU.ORG

View Organization Page

3720 Madison Avenue95660-5024

(916) 971-4554

Siviq Scores

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

Liabilities / Assets

57th percentile

0.90x

Higher debt load relative to assets than 57% of similar nonprofits.

2013 filings • 501(c)14 • $1B+ nonprofits • Source year 2013

Liabilities / Revenue

44th percentile

18.61x

Higher debt load relative to revenue than 44% of similar nonprofits.

2013 filings • 501(c)14 • $1B+ nonprofits • Source year 2013

Net Margin

26th percentile

14%

Higher net margin than 26% of similar nonprofits.

2013 filings • 501(c)14 • $1B+ nonprofits • Source year 2013

Top Officer Pay

16th percentile

$506,372

Higher top officer pay than 16% of similar nonprofits.

Top officer pay equals 0.5% of source-year revenue.

2013 filings • 501(c)14 • $1B+ nonprofits • Source year 2013

Asset Growth

54th percentile

5.2%

Faster asset growth than 54% of similar nonprofits.

2013 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets57th percentile

Assets

Up

$2,004,704,102

Up $98,510,105 (+5.2%) from 2012

Net Assets

Up

$197,299,870

Up $1,432,523 (+0.7%) from 2012

Liabilities

Up

$1,807,404,232

Up $97,077,582 (+5.7%) from 2012

Revenue And Expenses
Liabilities / Revenue44th percentileNet Margin26th percentile

Revenue

$97,111,519

No earlier filing loaded for comparison.

Expenses

Up

$83,442,637

Up $6,196,501 (+8.0%) from 2012

Net Income

$13,668,882

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth54th percentile

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

$6.0B$4.0B$2.0B$0Assets 2010: $1,695,023,052Liabilities 2010: $1,550,251,390Net Assets 2010: $144,771,6622010Assets 2011: $1,781,163,623Liabilities 2011: $1,609,900,248Net Assets 2011: $171,263,3752011Assets 2012: $1,906,193,997Liabilities 2012: $1,710,326,650Net Assets 2012: $195,867,3472012Assets 2013: $2,004,704,102Liabilities 2013: $1,807,404,232Net Assets 2013: $197,299,8702013Assets 2014: $2,137,634,239Liabilities 2014: $1,927,901,845Net Assets 2014: $209,732,3942014Assets 2015: $2,282,091,875Liabilities 2015: $2,064,831,658Net Assets 2015: $217,260,2172015Assets 2016: $2,502,656,736Liabilities 2016: $2,273,488,975Net Assets 2016: $229,167,7612016Assets 2017: $2,699,113,126Liabilities 2017: $2,451,136,024Net Assets 2017: $247,977,1022017Assets 2018: $2,883,729,558Liabilities 2018: $2,606,979,431Net Assets 2018: $276,750,1272018Assets 2019: $3,085,573,424Liabilities 2019: $2,775,149,568Net Assets 2019: $310,423,8562019Assets 2020: $3,814,181,101Liabilities 2020: $3,483,711,622Net Assets 2020: $330,469,4792020Assets 2021: $4,443,372,826Liabilities 2021: $4,089,764,165Net Assets 2021: $353,608,6612021Assets 2022: $4,508,747,092Liabilities 2022: $4,219,469,562Net Assets 2022: $289,277,5302022Assets 2023: $4,637,373,591Liabilities 2023: $4,327,253,676Net Assets 2023: $310,119,9152023Assets 2024: $4,305,419,611Liabilities 2024: $3,960,352,448Net Assets 2024: $345,067,1632024

Highlighted filing

2013

Assets$2,004,704,102
Liabilities$1,807,404,232
Net Assets$197,299,870
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$300M$200M$100M$0Expenses 2010: $93,844,9572010Expenses 2011: $82,005,4712011Expenses 2012: $77,246,1362012Revenue 2013: $97,111,519Expenses 2013: $83,442,637Net Income 2013: $13,668,8822013Revenue 2014: $96,192,598Expenses 2014: $85,823,155Net Income 2014: $10,369,4432014Revenue 2015: $103,351,050Expenses 2015: $93,946,738Net Income 2015: $9,404,3122015Revenue 2016: $114,392,755Expenses 2016: $102,851,535Net Income 2016: $11,541,2202016Revenue 2017: $124,805,240Expenses 2017: $104,598,446Net Income 2017: $20,206,7942017Revenue 2018: $147,810,875Expenses 2018: $118,887,426Net Income 2018: $28,923,4492018Revenue 2019: $168,382,611Expenses 2019: $135,549,857Net Income 2019: $32,832,7542019Revenue 2020: $166,534,195Expenses 2020: $148,840,008Net Income 2020: $17,694,1872020Revenue 2021: $162,136,670Expenses 2021: $128,000,465Net Income 2021: $34,136,2052021Revenue 2022: $183,102,902Expenses 2022: $149,829,164Net Income 2022: $33,273,7382022Revenue 2023: $229,786,087Expenses 2023: $211,556,071Net Income 2023: $18,230,0162023Revenue 2024: $254,668,911Expenses 2024: $230,107,484Net Income 2024: $24,561,4272024

Highlighted filing

2013

Revenue$97,111,519
Expenses$83,442,637
Net Income$13,668,882
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 12, 2014
Return Version
2013v3.1
Gross Receipts
$97,488,716
Mission and Program Overview

Mission

SAFE Credit Union's mission is to help members improve their financial well-being, provide excellent service, and ensure a financially sound credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$968,805,922$1,093,917,417▲ $125,111,495
Investments Other Securities$579,769,000$568,593,950▼ $11,175,050
Rtn Earn Endowment Incm Other Fnds$195,867,347$197,299,870▲ $1,432,523
Cash and Non-Interest-Bearing Accounts$203,643,924$170,853,836▼ $32,790,088
Land, Buildings, and Equipment, Net$34,522,460$51,630,294▲ $17,107,834
Intangible Assets$13,282,009$13,282,009→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$1,906,193,997$2,004,704,102▲ $98,510,105
Other Assets Total$106,170,682$106,426,596▲ $255,914
Liabilities
Other Liabilities$1,696,128,188$1,791,612,923▲ $95,484,735
Accounts Payable and Accrued Expenses$12,648,462$13,492,309▲ $843,847
Escrow Account Liability$1,550,000$2,299,000▲ $749,000
Total Liabilities$1,710,326,650$1,807,404,232▲ $97,077,582
Net Assets / Fund Balance
Total Net Assets Fund Balance$195,867,347$197,299,870▲ $1,432,523
Total Liabilities and Net Assets / Fund Balance$1,906,193,997$2,004,704,102▲ $98,510,105

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$32,269,723$10,700,888$42,970,611
Equipment$7,487,927$27,860,600$35,348,527
Land$11,270,877-$11,270,877
Leasehold Improvements$601,767$2,550,784$3,152,551
Other Land Buildings$0--
Other Assets Org$72,686,416--
Other Securities$9,532,072--
Closely Held Equity Interests$0--
Financial Derivatives$0--
Compensation and Service Providers
Top Officer Pay16th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David RoughtonPres/COOFT$273,827$232,545$506,372
Henry WirzCEOFT$418,207$54,148$472,355
Sharon WhiteleySVP/CCOFT$213,294$254,507$467,801
David PopeSVP/CTOFT$210,994$209,178$420,172
Jayne AndersonSr. Mortgage OfficerFT$358,979$29,406$388,385
Brandi SchaeferSr. Mortgage OfficerFT$325,011$24,985$349,996
Virginia WadeSVP, HrFT$160,020$172,337$332,357
Collene CrawfordVP, Consumer BankingFT$151,909$161,252$313,161
Chris HarrisSVP/CFOFT$183,020$117,174$300,194
Casey JenkinsSr. Mortgage OfficerFT$225,766$38,057$263,823
Ronald SeamanChairmanPT$2,696-$2,696
Kathern GaskinsTreasurerPT$2,202-$2,202
Phillip Meserve1st Vice ChairmanPT$1,724-$1,724
James HoppDirectorPT$1,441-$1,441
Terrance TremellingDirectorPT$1,216-$1,216
Herb LongDirectorPT$426-$426
James JeffersonSecretaryPT$263-$263

Board Members and Trustees

NameTitle
Donald Hug2nd Vice Chairman
Alice PerezDirector
Bryan PeppersDirector (partial Year)

Highest Paid Contractors

ContractorServicesLocationCompensation
Ncr CorporationAtm Equipment & Services-$2,376,110
Intuitdigital InsightOnline Banking Services-$1,958,295
Runyon Saltzman & Einhorn INCPublic Relations/marketing-$1,439,776
Fiserv Solutions INCTechnology/software-$943,008
QuestTelecommunications-$831,354
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$85,970,362
Investment Income
$9,664,954
Other Revenue
$1,476,203
Change in Net Assets
$13,668,882

Audited Revenue Reconciliation

Revenue per Audited Statements
$97,111,519
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-12,236,359
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$84,875,160
Total Revenue per Form 990
$97,111,519
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$39,191,016
Salaries, Compensation, and Employee Benefits$37,535,107
Grants and Similar Amounts Paid$273,233
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$26,908,658
Information Technology---$8,550,615
Benefits to Members---$6,443,281
Office Expenses---$5,005,025
Other Expenses---$4,255,429
Other Employee Benefits---$4,252,192
Occupancy---$3,653,550
Depreciation Depletion---$2,989,681
All Other Expenses---$2,660,307
Payroll Taxes---$2,409,926
Current Officers, Directors, Trustees, and Key Employees---$2,176,863
Advertising---$2,084,496
Pension Plan Contributions---$1,787,468
Fees for Services Other---$1,566,332
Fees for Services Legal---$383,212
Conferences and Meetings---$324,693
Travel---$270,735
Grants to Domestic Orgs---$263,233
Insurance---$237,111
Fees for Services Accounting---$134,138
Interest---$70,914
Grants to Domestic Individuals---$10,000
Total Functional Expenses$0$0$0$83,442,637

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$83,442,637
Total Expenses per Audited Statements$83,442,637
Total Expenses per Form 990$83,442,637
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
94-6036494-501(c)(3)Sponsorship of Uc Davis Student Scholarships and Participation in Other Fundraising Events.$35,135
94-2831253-501(c)(3)Sponsorship and Support of Community-related Programs$29,312
68-0287387-501(c)(3)Support of Regional Education and Economic Growth Efforts$10,750
94-6002536-GovernmentSupport of Local High School Scholarships$10,500
74-3212900-501(c)(3)Support of Annual Airshow$10,000
68-0227233-501(c)(3)Sponsorship of Local Healthcare Events and Fundraisers$10,000
68-0040113-501(c)(3)Sponsorship of Local Healthcare Events and Fundraisers$10,000
68-0023502-501(c)(3)Support for Program Which Teaches Children the Principles/values of Life Through Golf$10,000
43-1988851-501(c)(3)Support for Afa Wings of Hope Scholarships and Eductational Events$10,000
13-1788491-501(c)(3)Support for Local Relay for Life Event$8,500
26-3279530-501(c)(3)Program Support for Adults and Children With Developmental Disabilities$8,000
26-1773196-GovernmentSupport for Local High Schools$6,000
94-2891517-501(c)(3)Support and Coordination of Community Philanthropic Activities$5,848
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
Yes
Lobbying activity
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$34,200
Section 527 Activity Spending$34,200
Total Exempt Function Spending$34,200
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$1,786,611,645
Public Unit Shares$5,001,278
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

Governance Explanations

Form 990, Part VI, Sec A, Line 6, Classes of members or stockholders

“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, Sec A, Line 7A, Members or stockholders electing members of governing body

“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, Sec A, Line 7B, Decisions requiring approval by members or stockholders

“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, Sec B, Line 11B, Review of form 990 by governing body

“Preparation of the form 990 is coordinated through the company's finance department and tax preparer. Information is requested from and gathered by several functional areas and executive management to assist in the completion of the form. Throughout the process, questions are discussed with the tax preparer and resolutions are incorporated into the return as appropriate. Once completed, executive management reviews the form for accuracy and reasonableness. The completed form is then presented to the board of directors for their review prior to filing. Any questions or issues raised by the board are addressed and approved prior to submission to the irs.”

Form 990, Part VI, Sec B, Line 12C, Conflict of interest policy

“Any instances of a conflict of interest that management becomes aware of is escalated to the svp of human resources, the ceo and/or president. An investigation would be conducted to gather all the facts. Those facts would be used to determine the appropriate actions that are warranted. Safe also has a formal procedure that provides employees of safe a means of reporting any complaint or inappropriate activities directly to the supervisory committee or directly to our regulator, the california department of financial institutions. Lastly, safe's internal control structure is documented, reviewed an updated annually by management and tested by its external auditors. Internal controls are a vital part of helping to detect conflicts or inappropriate activity within the organization.”

Form 990, Part VI, Sec B, Line 15A, Process to establish compensation of top management official

“In 2011, a comprehensive compensation study was conducted with a compensation consultant along with compensation software containing data from multiple market surveys. In addition, each year our third party vendor updates compensation ranges with current market data based on positions and grades, and adjustments are made as needed. This process affects all levels and positions within the organization. For the ceo position, additional executive compensation surveys are reviewed by the executive committee of the board and are used for comparison purposes to ensure that competitive, market based ranges are in place.”

Form 990, Part VI, Sec B, Line 15B, Process to establish compensation of other employees

“In 2011, a comprehensive compensation study was conducted with a compensation consultant along with compensation software containing data from multiple market surveys. In addition, each year our third party vendor updates compensation ranges with current market data based on positions and grades, and adjustments are made as needed. This process affects all levels and positions within the organization.”

Form 990, Part VI, Sec C, Line 19, Required documents available to the public

“Governing documents and conflict of interest policies are not made available to the public. Annual reports containing financial results for the last two fiscal years are provided at annual meetings and are available electronically on safe's website. Complete audited financial statements are also provided on the company's website annually. Lastly, safe's regulatory 5300 call reports are filed quarterly and are available to the public via ncua's website.”

Filing and Contact Details

Filer

EIN
94-1179501
Phone
9169714554

Signing Officer

Name
Chris Harris
Title
SVP/CFO
Signed
2014-05-12
Discuss with paid preparer
Yes

Organization Details

Formed
1940
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
685
Volunteers
17

Preparer

Preparer
John Woodhull
Phone
3128997000
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 4D, Other Program Services

“Financial planning services, insurance products and the participation in many community-related events and support of non-profit organizations.”

Financial Statement Notes

Schedule D, Part IV, Line 1B, Agent, trustee, custodian, or other intermediary arrangement

“The credit union serves as custodian for assets which are not included on the balance sheet.”

Schedule D, Part IV, Line 2B, Explanation of escrow agreement

“The credit union holds funds in escrow to pay real estate taxes and insurance on behalf of its mortgage loan members.”

Schedule D, Part X, Line 2, FIN 48 (ASC 740) footnote

“The credit union is exempt, by statute, from federal income taxes. The credit union is a state-chartered credit union described in internal revenue code (irc) section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. Fasb codification topic 740, income taxes, provides guidance for how uncertain tax positions should be recognized, measured, disclosed and presented in the financial statements. This requires the evaluation of tax positions taken or expected to be taken in the course of preparing the credit union's tax returns to determine whether the tax positions are more likely than not to be sustained "when challenged" or "when examined" by the applicable tax authority. Tax positions not deemed to meet the more-likely-than-not threshold would be recorded as a tax expense and liability in the current year. For the years ended december 31, 2013 and 2012, management has determined that there are no material uncertain tax positions.”

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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/Desc0SAFE HAS SERVED THE SACRAMENTO AREA SINCE 1940, AND NOW HAS MEMBERSHIP SPANNING 12 COUNTIES IN NORTHERN CALIFORNIA. SAFE HAS 21 BRANCHES IN THREE OF THESE COUNTIES: SACRAMENTO, PLACER AND YOLO. SAFE SERVES APPROXIMATELY 170,000 MEMBERS. SAFE OFFERS DEPOSITORY, LENDING AND OTHER FINANCIAL PRODUCTS AND SERVICES TO HELP ITS MEMBERS IMPROVE THEIR FINANCIAL WELL-BEING. AS A NONPROFIT, SAFE IS ABLE TO DELIVER BENEFITS TO ITS MEMBERSHIP THROUGH LOWER LOAN RATES AND HIGHER DEPOSIT RATES. IN ADDITION, SAFE MEMBERS ENJOY THE FOLLOWING BENEFITS: ACCESS TO 25,000 ATMS NATIONWIDE, ACCESS TO 2,500 SHARED BRANCH LOCATIONS NATIONWIDE, ABILITY TO PERFORM POINT-OF-SALE (POS) TRANSACTIONS, FREE ONLINE BANKING AND BILL PAY, FINANCIAL MANAGEMENT TOOLS AND EARLY PAYDAY WITH DIRECT DEPOSIT.
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IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
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IRS990/Form990PartVIISectionAGrp/TitleTxt16SR. MORTGAGE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP, CONSUMER BANKING
IRS990/Form990PartVIISectionAGrp/TitleTxt18SR. MORTGAGE OFFICER
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IRS990/ProgSrvcAccomActy3Grp/Desc0SAFE OFFERS A VARIETY OF LOW-RATE PRODUCTS TO HELP MEMBERS WITH THEIR FINANCING NEEDS. AVAILABLE LOAN PRODUCTS INCLUDE AUTO LOANS, REAL ESTATE MORTGAGE LOANS, HOME EQUITY LINES OF CREDIT, HOME IMPROVEMENT LOANS, VISA CREDIT CARDS, SMALL BUSINESS LOANS, STUDENT LOANS, AND OTHER SECURED AND UNSECURED LOANS.
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Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,004,704,102
Liabilities
$1,807,404,232
Net assets
$197,299,870
Revenue
$97,111,519
Expenses
$83,442,637
Net income
$13,668,882
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$4,305$3,960$345$255$230$24.6
2023Detailed filing. Detailed filing data is available for this year.$4,637$4,327$310$230$212$18.2
2022Detailed filing. Detailed filing data is available for this year.$4,509$4,219$289$183$150$33.3
2021Detailed filing. Detailed filing data is available for this year.$4,443$4,090$354$162$128$34.1
2020Detailed filing. Detailed filing data is available for this year.$3,814$3,484$330$167$149$17.7
2019Detailed filing. Detailed filing data is available for this year.$3,086$2,775$310$168$136$32.8
2018Detailed filing. Detailed filing data is available for this year.$2,884$2,607$277$148$119$28.9
2017Detailed filing. Detailed filing data is available for this year.$2,699$2,451$248$125$105$20.2
2016Detailed filing. Detailed filing data is available for this year.$2,503$2,273$229$114$103$11.5
2015Detailed filing. Detailed filing data is available for this year.$2,282$2,065$217$103$93.9$9.40
2014Detailed filing. Detailed filing data is available for this year.$2,138$1,928$210$96.2$85.8$10.4
2013Detailed filing. Detailed filing data is available for this year.$2,005$1,807$197$97.1$83.4$13.7
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,906$1,710$196$77.2
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,781$1,610$171$82.0
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,695$1,550$145$93.8