Civic Intelligence

Safe Credit Union

990 • Fiscal year 2015 • EIN 94-1179501

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

Organization Profilewww.safecu.org

View Organization Page

2295 Iron Point Rd Suite 100Folsom, CA 95630

(916) 971-4554

Siviq Scores

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

Liabilities / Assets

72nd percentile

0.90x

Higher debt load relative to assets than 72% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Liabilities / Revenue

50th percentile

19.98x

Higher debt load relative to revenue than 50% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Net Margin

9th percentile

9.1%

Higher net margin than 9% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Top Officer Pay

81st percentile

$1,197,100

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Asset Growth

29th percentile

6.8%

Faster asset growth than 29% of similar nonprofits.

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

Revenue Growth

52nd percentile

7.4%

Faster revenue growth than 52% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$2,282,091,875

Up $144,457,636 (+6.8%) from 2014

Net Assets

Up

$217,260,217

Up $7,527,823 (+3.6%) from 2014

Liabilities

Up

$2,064,831,658

Up $136,929,813 (+7.1%) from 2014

Revenue And Expenses
Liabilities / Revenue50th percentileNet Margin9th percentile

Revenue

Up

$103,351,050

Up $7,158,452 (+7.4%) from 2014

Expenses

Up

$93,946,738

Up $8,123,583 (+9.5%) from 2014

Net Income

Down

$9,404,312

Down $965,131 (-9.3%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth29th 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

2015

Assets$2,282,091,875
Liabilities$2,064,831,658
Net Assets$217,260,217
Open 2015 Filing

Operations Trend

Revenue Growth52nd percentile

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

2015

Revenue$103,351,050
Expenses$93,946,738
Net Income$9,404,312
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
$105,255,579
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$1,243,500,843$1,432,194,114▲ $188,693,271
Investments Other Securities$522,208,227$502,590,247▼ $19,617,980
Rtn Earn Endowment Incm Other Fnds$209,732,394$217,260,217▲ $7,527,823
Cash and Non-Interest-Bearing Accounts$180,265,780$149,830,926▼ $30,434,854
Land, Buildings, and Equipment, Net$54,051,384$54,617,619▲ $566,235
Intangible Assets$13,282,009$13,478,155▲ $196,146
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related$0--
Total Assets$2,137,634,239$2,282,091,875▲ $144,457,636
Other Assets Total$124,325,996$129,380,814▲ $5,054,818
Liabilities
Other Liabilities$1,911,044,385$2,046,324,602▲ $135,280,217
Accounts Payable and Accrued Expenses$14,566,460$15,755,056▲ $1,188,596
Escrow Account Liability$2,291,000$2,752,000▲ $461,000
Total Liabilities$1,927,901,845$2,064,831,658▲ $136,929,813
Net Assets / Fund Balance
Total Net Assets Fund Balance$209,732,394$217,260,217▲ $7,527,823
Total Liabilities and Net Assets / Fund Balance$2,137,634,239$2,282,091,875▲ $144,457,636

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$34,912,438$8,922,155$43,834,593
Equipment$10,644,131$22,018,023$32,662,154
Land$8,650,877-$8,650,877
Leasehold Improvements$410,173$2,860,180$3,270,353
Other Assets Org$98,773,932--
Other Securities$9,739,672--
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
-Financial AdvisorFT$214,934$982,166$1,197,100
-CEOFT$497,456$56,811$554,267
-President/COOFT$318,302$233,059$551,361
-SVP/CCOFT$256,495$249,072$505,567
-SVP, IT & FacilitiesFT$247,540$212,475$460,015
-SVP/CFOFT$244,548$127,310$371,858
-SVP, HrFT$189,449$172,420$361,869
-Sr. Mortgage OfficerFT$257,609$28,261$285,870
-VP, Consumer BankingFT$185,911$34,201$220,112
-ChairmanPT$3,720-$3,720
-TreasurerPT$2,583-$2,583
-1st vice ChairmanPT$2,486-$2,486
-SecretaryPT$1,563-$1,563
-2nd Vice ChairmanPT$189-$189

Board Members and Trustees

NameTitle
-Director

Highest Paid Contractors

ContractorServicesLocationCompensation
Digital InsightOnline Banking ServicesPO BOX 740641, Los Angeles, CA 90074$2,417,391
Runyon Saltzman And Einhorn INCPublic Relations/Marketing2020 L ST, Sacramento, CA 95811$1,809,148
Ascent Builders INCCommercial Construction Contractor1400 S ST, Sacramento, CA 95811$953,057
InfoimageStatement Services141 JEFFERSON DRIVE, Menlo Park, CA 94025$877,790
QuestTelecommunications ServicesPO BOX 41039, Sacramento, CA 95841$865,696
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$90,496,594
Investment Income
$10,305,344
Other Revenue
$2,549,112
Change in Net Assets
$9,404,312

Audited Revenue Reconciliation

Revenue per Audited Statements
$103,351,050
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-1,876,489
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$101,474,561
Total Revenue per Form 990
$103,351,050
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$46,345,668
Other Expenses$41,163,865
Grants and Similar Amounts Paid$354,097
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$33,433,255
Information Technology---$10,611,476
Benefits to Members---$6,083,108
Other Employee Benefits---$5,260,517
Office Expenses---$4,983,782
Occupancy---$4,114,480
Depreciation Depletion---$4,067,967
All Other Expenses$0$0$0$3,445,924
Advertising---$3,342,699
Payroll Taxes---$2,970,753
Other Expenses---$2,534,729
Current Officers, Directors, Trustees, and Key Employees---$2,456,400
Pension Plan Contributions---$2,224,743
Fees for Services Other$0$0$0$1,872,370
Fees for Services Legal---$510,998
Travel---$428,039
Conferences and Meetings---$393,251
Grants to Domestic Orgs---$344,097
Insurance---$230,059
Fees for Services Accounting---$184,962
Interest---$146,371
Grants to Domestic Individuals---$10,000
Total Functional Expenses$0$0$0$93,946,738

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$93,946,738
Total Expenses per Audited Statements$93,946,738
Total Expenses per Form 990$93,946,738
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
Aerospace Museum of CaliforniaMcClellan, CA501(c)(3)Sponsorship and support of community-related programs and fundraisers$50,662
UC Davis Medical SchoolSacramento, CA501(c)(3)Sponsorship of UC Davis student scholarships and participation in other fundraising events.$42,500
KvieSacramento, CA501(c)(3)Annual sponsorship of View Finder event and educational television programming support$32,500
California Capital AirshowSacramento, CA501(c)(3)Support of annual airshow$25,000
Sutter Medical Center FoundationSacramento, CA501(c)(3)Support of foundation and Sophie's Place program$12,000
Sacramento County Office of EducationSacramento, CASacramento CountySupport of local high school scholarships$10,500
Children's Miracle NetworkSalt Lake City, UT501(c)(3)Support of CMN through annual Credit Union SacTown Run$10,000
Education Foundation for AerospaceCitrus Heights, CA501(c)(3)Support for AFA Wings of Hope scholarships and educational events$10,000
The First Tee of Greater SacramentoSacramento, CA501(c)(3)Support for program which teaches children the principles/values of life through golf$10,000
Wounded Warrior Amputee Softball TournamentSacramento, VA501(c)(3)Support of amputee veteran awareness and education through softball games$10,000
Nehemiah Community FoundationSacramento, CA501(c)(3)Support of Emerging Leaders program$7,400
Sacramento Region Community FoundationSacramento, CA501(c)(3)Support and coordination of community philanthropic activities$6,250
American Cancer SocietySacramento, CA501(c)(3)Support of annual Relay for Life fundraising efforts$6,199
California State University SacramentoSacramento, CA501(c)(3)Support of college student and veteran programs$6,000
Sacramento Crime AlertSacramento, CA-Support of program to provide information to local law enforcement$5,241
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$20,825
Section 527 Activity Spending$20,825
Total Exempt Function Spending$20,825
Insider Transactions and Loans

Loans and Receivables

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

Other Reported Liabilities

LiabilityAmount
Member share accounts$2,021,320,485
Public unit shares$25,004,117
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, 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 on deposits.”

Form 990, Part VI, 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, 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, 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, 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 process 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 and 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, 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 2015, a subsequent compensation review was performed across all organizational functions for specific positions, including the CEO position. 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, 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 2015, a subsequent compensation review was performed across all organizational functions for specific positions, including the CEO position. 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, 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.”

Form 990, Part VIII, Line 2F Other Program Service Revenue

“Securities and insurance fees - Total Revenue: 3348496, Related or Exempt Function Revenue: 3326269, Unrelated Business Revenue: 22227, Revenue Excluded from Tax Under Sections 512, 513, or 514: ;”

Filing and Contact Details

Filer

Filer Name
Safe Credit Union
EIN
94-1179501
Phone
9169714554
Address
2295 Iron Point Rd Suite 100, Folsom, CA 95630

Signing Officer

Name
Chris Harris
Title
SVP/CFO
Signed
2016-05-05
Discuss with paid preparer
Yes

Organization Details

Formed
1940
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
745
Volunteers
18

Preparer

Firm
Crowe Horwath Llp
Address
225 West Wacker Drive, Suite 2600, Chicago, IL 60606-1224
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. However, the Credit Union is subject to unrelated business income tax. 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, 2015 and 2014, 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 22 BRANCHES IN FOUR OF THESE COUNTIES: SACRAMENTO, PLACER, YOLO AND CONTRA COSTA. SAFE SERVES APPROXIMATELY 191,000 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/BusinessName/BusinessNameLine1Txt2Donald Hug
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt3Kathern Gaskins
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt4James Jefferson
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt5James Hopp
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt6Herb Long
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt7Terrrance Tremelling
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt8Alice Perez
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt9Henry Wirz
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt10David Roughton
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt11Chris Harris
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt12Sharon Whiteley
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt13David Pope
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt14Virginia Wade
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt15James Allen
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt16Brandi Schaefer
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt17Jayne Anderson
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt11st vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt22nd Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10President/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt11SVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP/CCO
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP, IT & Facilities
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP, HR
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP, Consumer Banking
IRS990/Form990PartVIISectionAGrp/TitleTxt16Sr. Mortgage Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt17Sr. Mortgage Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt18Financial Advisor
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IRS990/MissionDesc0Safe Credit Union's mission is to help members improve their financial well-being, provide excellent service, and ensure a financially sound credit union.
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IRS990/PensionPlanContributionsGrp/TotalAmt02224743
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0true
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0David F Roughton
IRS990/ProfessionalFundraisingInd0false
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IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans to members
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt114837859
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt34553206
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt115197301
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt212161441
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt43610698
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IRS990/ProgSrvcAccomActy2Grp/Desc0SAFE OFFERS A VARIETY OF DEPOSIT PRODUCTS INCLUDING SAVINGS, CHECKING, MONEY MARKET, CERTIFICATE, RETIREMENT, BUSINESS , HOLIDAY CLUB AND YOUTH ACCOUNTS. DEPOSITS ARE FEDERALLY INSURED TO AT LEAST $250,000 AND BACKED BY THE FULL FAITH AND CREDIT OF THE UNITED STATES GOVERNMENT. SAFE'S DEPOSIT RATES ARE EVERY COMPETITIVE WITH THE MARKET AND ARE TYPICALLY HIGHER THAN BANKS. SAFE FEATURES BOTH LOW AND NO-COST CHECKING PRODUCTS AS WELL AS THOSE WITH HIGHER DIVIDEND RATES. MEMBERS CAN TRANSFER FUNDS FROM ONE DEPOSIT PRODUCT OR ACCOUNT TO ANOTHER QUICKLY AND SEAMLESSLY THROUGH OUR ONLINE, MOBILE, AND TELEPHONE BANKING SYSTEMS.
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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IRS990/PYSalariesCompEmpBnftPaidAmt040058020
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IRS990/PYTotalRevenueAmt096192598
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Document Assets

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Filings

Displayed year

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

Open filing
Assets
$2,282,091,875
Liabilities
$2,064,831,658
Net assets
$217,260,217
Revenue
$103,351,050
Expenses
$93,946,738
Net income
$9,404,312
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