Civic Intelligence

Sonoma County Grange Credit Union

EIN 94-1214770 • 501(c)14 • Santa Rosa, CA

View Organization Page

Profile

Sonoma County Grange Credit Union is a non-profit financial cooperative that provides financial services for their members including savings and loans.

304 Sutton PlaceSanta Rosa, CA 95407

www.grangecu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

84th percentile

0.92x

Higher debt load relative to assets than 84% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2023

Liabilities / Revenue

8th percentile

10.50x

Higher debt load relative to revenue than 8% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2023

Net Margin

9th percentile

-0.5%

Higher net margin than 9% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

82nd percentile

7.2%

Faster asset growth than 82% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2023

Revenue Growth

18th percentile

4.4%

Faster revenue growth than 18% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets84th percentile

Assets

Down

$117,149,595

Down $3,787,980 (-3.1%) from 2023

Liabilities

Down

$109,551,364

Down $1,713,604 (-1.5%) from 2023

Net Assets

Down

$7,598,231

Down $2,074,376 (-21%) from 2023

Operations
Liabilities / Revenue8th percentileNet Margin9th percentile

Revenue

Up

$11,534,390

Up $932,816 (+8.8%) from 2023

Expenses

Up

$13,506,153

Up $2,851,870 (+27%) from 2023

Net Income

Down

-$1,971,763

Down $1,919,054 (-3641%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth82nd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$150M$100M$50M$0Assets 2010: $38,404,895Liabilities 2010: $33,045,697Net Assets 2010: $5,359,1982010Assets 2011: $35,685,133Liabilities 2011: $30,318,298Net Assets 2011: $5,366,8352011Assets 2012: $36,560,859Liabilities 2012: $31,136,608Net Assets 2012: $5,424,2512012Assets 2013: $36,989,066Liabilities 2013: $31,492,825Net Assets 2013: $5,496,2412013Assets 2014: $36,981,260Liabilities 2014: $31,510,124Net Assets 2014: $5,471,1362014Assets 2015: $40,248,624Liabilities 2015: $34,795,569Net Assets 2015: $5,453,0552015Assets 2016: $45,036,250Liabilities 2016: $39,593,427Net Assets 2016: $5,442,8232016Assets 2017: $49,064,744Liabilities 2017: $43,550,329Net Assets 2017: $5,514,4152017Assets 2018: $55,302,208Liabilities 2018: $49,598,877Net Assets 2018: $5,703,3312018Assets 2019: $68,252,227Liabilities 2019: $61,857,008Net Assets 2019: $6,395,2192019Assets 2020: $87,526,165Liabilities 2020: $80,269,441Net Assets 2020: $7,256,7242020Assets 2021: $94,656,550Liabilities 2021: $86,472,373Net Assets 2021: $8,184,1772021Assets 2022: $112,855,513Liabilities 2022: $102,970,283Net Assets 2022: $9,885,2302022Assets 2023: $120,937,575Liabilities 2023: $111,264,968Net Assets 2023: $9,672,6072023Assets 2024: $117,149,595Liabilities 2024: $109,551,364Net Assets 2024: $7,598,2312024

Highlighted filing

2024

Assets$117,149,595
Liabilities$109,551,364
Net Assets$7,598,231
Open 2024 Filing

Operations Trend

Revenue Growth18th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$15M$10M$5.0M$0-$5.0MExpenses 2010: $1,634,3282010Expenses 2011: $1,487,2132011Expenses 2012: $1,348,8912012Revenue 2013: $1,526,788Expenses 2013: $1,352,112Net Income 2013: $174,6762013Revenue 2014: $1,315,765Expenses 2014: $1,343,062Net Income 2014: -$27,2972014Revenue 2015: $1,348,593Expenses 2015: $1,357,714Net Income 2015: -$9,1212015Revenue 2016: $1,648,350Expenses 2016: $1,577,421Net Income 2016: $70,9292016Revenue 2017: $1,859,810Expenses 2017: $1,725,183Net Income 2017: $134,6272017Revenue 2018: $2,641,251Expenses 2018: $2,417,008Net Income 2018: $224,2432018Revenue 2019: $5,419,420Expenses 2019: $4,683,733Net Income 2019: $735,6872019Revenue 2020: $8,377,114Expenses 2020: $6,708,436Net Income 2020: $1,668,6782020Revenue 2021: $9,289,949Expenses 2021: $7,578,828Net Income 2021: $1,711,1212021Revenue 2022: $10,151,971Expenses 2022: $9,690,023Net Income 2022: $461,9482022Revenue 2023: $10,601,574Expenses 2023: $10,654,283Net Income 2023: -$52,7092023Revenue 2024: $11,534,390Expenses 2024: $13,506,153Net Income 2024: -$1,971,7632024

Highlighted filing

2024

Revenue$11,534,390
Expenses$13,506,153
Net Income-$1,971,763
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$117,149,595
Liabilities
$109,551,364
Net assets
$7,598,231
Revenue
$11,534,390
Expenses
$13,506,153
Net income
-$1,971,763
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$117$110$7.60$11.5$13.5$1.97
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$121$111$9.67$10.6$10.7$0.05
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$113$103$9.89$10.2$9.69$0.46
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$94.7$86.5$8.18$9.29$7.58$1.71
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$87.5$80.3$7.26$8.38$6.71$1.67
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$68.3$61.9$6.40$5.42$4.68$0.74
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$55.3$49.6$5.70$2.64$2.42$0.22
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$49.1$43.6$5.51$1.86$1.73$0.13
2016Summary only. Only limited summary data is available for this year.$45.0$39.6$5.44$1.65$1.58$0.07
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$40.2$34.8$5.45$1.35$1.36$0.01
2014Detailed filing. Detailed filing data is available for this year.$37.0$31.5$5.47$1.32$1.34$0.03
2013Detailed filing. Detailed filing data is available for this year.$37.0$31.5$5.50$1.53$1.35$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.6$31.1$5.42$1.35
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.7$30.3$5.37$1.49
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.4$33.0$5.36$1.63
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2018 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Mar 21, 2019
Return Version
2018v3.1
Gross Receipts
$2,641,251
Mission and Program Overview

Mission

Sonoma County Grange Credit Union is a non-profit financial cooperative that provides financial services for their members including savings and loans.

North Bay Credit Union formerly, Sonoma County Grange Credit Union is a non-profit financial cooperative that provides financial services for their members including savings and loans.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$32,264,284$38,002,408▲ $5,738,124
Savings and Temporary Cash Investments$14,038,571$10,487,767▼ $3,550,804
Rtn Earn Endowment Incm Other Fnds$5,514,415$5,703,331▲ $188,916
Cash and Non-Interest-Bearing Accounts$951,952$4,892,483▲ $3,940,531
Land, Buildings, and Equipment, Net$740,877$744,973▲ $4,096
Total Assets$49,064,744$55,302,208▲ $6,237,464
Other Assets Total$1,069,060$1,174,577▲ $105,517
Liabilities
Other Liabilities$43,408,118$49,256,230▲ $5,848,112
Accounts Payable and Accrued Expenses$142,211$342,647▲ $200,436
Total Liabilities$43,550,329$49,598,877▲ $6,048,548
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,514,415$5,703,331▲ $188,916
Total Liabilities and Net Assets / Fund Balance$49,064,744$55,302,208▲ $6,237,464

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$174,436$703,097$877,533
Equipment$199,872$267,049$466,921
Land$261,400-$261,400
Leasehold Improvements$109,265$40,955$150,220
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Chris CallCEOFT$150,000$150,000

Board Members and Trustees

NameTitle
Bob MuelrathBoard Member
Colleen CarmichaelBoard Member
Lawrence JaffeBoard Member
Mara GordonBoard Member
Tami ReidBoard Member
Zelco Cecic-KaruzicBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,351,822
Investment Income
$269,168
Other Revenue
$20,261
Change in Net Assets
$224,243
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,365,085
Salaries, Compensation, and Employee Benefits$1,051,923
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$830,090
Office Expenses---$350,555
Fees for Services Other---$212,889
Other Employee Benefits---$150,006
Information Technology---$130,195
Depreciation Depletion---$121,910
Advertising---$86,309
Occupancy---$75,785
Payroll Taxes---$71,827
All Other Expenses---$40,796
Conferences and Meetings---$27,691
Interest---$26,754
Travel---$22,228
Insurance---$20,732
Fees for Services Accounting---$17,600
Other Expenses---$12,540
Fees for Services Legal---$5,771
Total Functional Expenses$0$0$0$2,417,008
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Federal income taxes$47,486,398
Members shares$1,442,000
Other deposits$327,832
Unfunded loans in process-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B

“Form 990 is prepared by an outside tax professional. The form is then reviewed by the Organizations management. A representative of management authorizes the final form 990 which is then e-filed with the IRS.”

Form 990, Part VI, Line 12C

“Member of the Board of Directors review all potential conflicts of interest at least annually. All personnel and Board of Directors are required to disclose potential conflicts and any related party affiliations. The Organization seeks full transparency on all relationships. Any potential conflicts are would be discussed openly and resolved in accordance with the Organizations policies and procedures.”

Form 990, Part VI, Line 15A

“Members of the Board of Directors review the compensation of all high-level personnel periodically.”

Form 990, Part VI, Line 15B

“Compensation of other high-level personnel and key employees reviewed periodically by members of management.”

Form 990, Part VI, Line 19

“All of the Organizations governing documents, financials statements and other legal filings are maintained in a secure environment and held available for inspection by tax authorities and the general public. All of the above mentioned documents are available for a physical inspection at the Organizations office located in Santa Rosa, California.”

Filing and Contact Details

Filer

Filer Name
North Bay Credit Union
EIN
94-1214770
Phone
7075840384
Address
304 Sutton Place, Santa Rosa, CA 95407

Signing Officer

Name
Chris Call
Title
CEO
Signed
2019-03-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Chris Call
Formed
1948
Legal Domicile
CA
Voting Board Members
6
Independent Board Members
6
Employees
21

Preparer

Firm
St Group Pc
Address
1860 Howe Ave Ste 260, Sacramento, CA 95825
Preparer
Andrew Topchiy CPA
Phone
9164246233
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C

“Annual audit is performed by independent CPA firm and Supervisory Committee assumes responsibility for its oversight.”

Raw XML Appendix362 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
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IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0342647
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IRS990/ActivityOrMissionDesc0North Bay Credit Union formerly, Sonoma County Grange Credit Union is a non-profit financial cooperative that provides financial services for their members including savings and loans.
IRS990/AdvertisingGrp/TotalAmt086309
IRS990/AllOtherExpensesGrp/TotalAmt040796
IRS990/AnnualDisclosureCoveredPrsnInd0false
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Chris Call
IRS990/BooksInCareOfDetail/PhoneNum07075840384
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0304 Sutton Place
IRS990/BooksInCareOfDetail/USAddress/CityNm0Santa Rosa
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd095407
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0951952
IRS990/CashNonInterestBearingGrp/EOYAmt04892483
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt00
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt027691
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0269168
IRS990/CYOtherExpensesAmt01365085
IRS990/CYOtherRevenueAmt020261
IRS990/CYProgramServiceRevenueAmt02351822
IRS990/CYRevenuesLessExpensesAmt0224243
IRS990/CYSalariesCompEmpBnftPaidAmt01051923
IRS990/CYTotalExpensesAmt02417008
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02641251
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0121910
IRS990/Desc0Credit Union
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt021
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EscrowAccountInd0false
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt017600
IRS990/FeesForServicesLegalGrp/TotalAmt05771
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt0212889
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form8886TFiledInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt0001.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1001.00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt6040.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0Colleen Carmichael
IRS990/Form990PartVIISectionAGrp/PersonNm1Tami Reid
IRS990/Form990PartVIISectionAGrp/PersonNm2Mara Gordon
IRS990/Form990PartVIISectionAGrp/PersonNm3Zelco Cecic-Karuzic
IRS990/Form990PartVIISectionAGrp/PersonNm4Lawrence Jaffe
IRS990/Form990PartVIISectionAGrp/PersonNm5Bob Muelrath
IRS990/Form990PartVIISectionAGrp/PersonNm6Chris Call
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6150000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6CEO
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01948
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt06
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt02641251
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InformationTechnologyGrp/TotalAmt0130195
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IRS990/InvestmentInJointVentureInd0false
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt00
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IRS990/LandBldgEquipAccumDeprecAmt01011101
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0740877
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IRS990/LandBldgEquipCostOrOtherBssAmt01756074
IRS990/LegalDomicileStateCd0CA
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
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IRS990/MissionDesc0North Bay Credit Union formerly, Sonoma County Grange Credit Union is a non-profit financial cooperative that provides financial services for their members including savings and loans.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt05514415
IRS990/NetAssetsOrFundBalancesEOYAmt05703331
IRS990/NetUnrlzdGainsLossesInvstAmt0-35327
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt075785
IRS990/OfficeExpensesGrp/TotalAmt0350555
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01069060
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IRS990/OtherExpensesGrp/Desc0Loan servicing
IRS990/OtherExpensesGrp/Desc1Dividend expense
IRS990/OtherExpensesGrp/Desc2Provision for loan losses
IRS990/OtherExpensesGrp/Desc3Association dues
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IRS990/OtherExpensesGrp/TotalAmt1154679
IRS990/OtherExpensesGrp/TotalAmt242000
IRS990/OtherExpensesGrp/TotalAmt312540
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IRS990/OtherRevenueMiscGrp/Desc0Miscellaneous income
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IRS990/OthNotesLoansReceivableNetGrp/BOYAmt032264284
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt038002408
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/TotalAmt071827
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0Chris Call
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans
IRS990/ProgramServiceRevenueGrp/Desc1Fees
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01796197
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1555625
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01796197
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1555625
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0159870
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01027447
IRS990/PYOtherRevenueAmt020424
IRS990/PYProgramServiceRevenueAmt01679516
IRS990/PYRevenuesLessExpensesAmt0134627
IRS990/PYSalariesCompEmpBnftPaidAmt0697736
IRS990/PYTotalExpensesAmt01725183
IRS990/PYTotalRevenueAmt01859810
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0224243
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05514415
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05703331
IRS990/SavingsAndTempCashInvstGrp/BOYAmt014038571
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010487767
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0174436
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0703097
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0877533
IRS990ScheduleD/EquipmentGrp/BookValueAmt0199872
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0267049
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0466921
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/LandGrp/BookValueAmt0261400
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0261400
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0109265
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt040955
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0150220
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt047486398
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11442000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2327832
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Federal income taxes
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Members shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Other deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Unfunded loans in process
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Financial derivatives and other financial products
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Closely-held equity interests
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0744973
IRS990ScheduleD/TotalLiabilityAmt049256230
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Form 990 is prepared by an outside tax professional. The form is then reviewed by the Organizations management. A representative of management authorizes the final form 990 which is then e-filed with the IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Member of the Board of Directors review all potential conflicts of interest at least annually. All personnel and Board of Directors are required to disclose potential conflicts and any related party affiliations. The Organization seeks full transparency on all relationships. Any potential conflicts are would be discussed openly and resolved in accordance with the Organizations policies and procedures.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members of the Board of Directors review the compensation of all high-level personnel periodically.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Compensation of other high-level personnel and key employees reviewed periodically by members of management.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4All of the Organizations governing documents, financials statements and other legal filings are maintained in a secure environment and held available for inspection by tax authorities and the general public. All of the above mentioned documents are available for a physical inspection at the Organizations office located in Santa Rosa, California.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Annual audit is performed by independent CPA firm and Supervisory Committee assumes responsibility for its oversight.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part XII, Line 2c
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt049064744
IRS990/TotalAssetsEOYAmt055302208
IRS990/TotalAssetsGrp/BOYAmt049064744
IRS990/TotalAssetsGrp/EOYAmt055302208
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt021
IRS990/TotalFunctionalExpensesGrp/TotalAmt02417008
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt043550329
IRS990/TotalLiabilitiesEOYAmt049598877
IRS990/TotalLiabilitiesGrp/BOYAmt043550329
IRS990/TotalLiabilitiesGrp/EOYAmt049598877
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05514415
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05703331
IRS990/TotalProgramServiceRevenueAmt02351822
IRS990/TotalReportableCompFromOrgAmt0150000
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02641251
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02641251
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt049064744
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt055302208
IRS990/TravelGrp/TotalAmt022228
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0304 Sutton Place
IRS990/USAddress/CityNm0Santa Rosa
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd095407
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0https://www.northbaycu.com/
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Chris Call
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-03-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0North Bay Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0NORT
ReturnHeader/Filer/EIN0941214770
ReturnHeader/Filer/PhoneNum07075840384
ReturnHeader/Filer/USAddress/AddressLine1Txt0304 Sutton Place
ReturnHeader/Filer/USAddress/CityNm0Santa Rosa
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd095407
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId03C18797FE25D090B79B7E6948D82F537BDF9AD8D
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId03C18797FE25D090B79B7E6948D82F537BDF9AD8D
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt073.116.95.220
ReturnHeader/FilingSecurityInformation/IPDt02019-03-21
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm022:30:32
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ST GROUP PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01860 Howe Ave Ste 260
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Sacramento
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd095825
ReturnHeader/PreparerPersonGrp/PhoneNum09164246233
ReturnHeader/PreparerPersonGrp/PreparationDt02019-03-21
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Andrew Topchiy CPA
ReturnHeader/ReturnTs02019-03-21T03:46:01-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

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