Liabilities / Assets
63rd percentile
Higher debt load relative to assets than 63% of similar nonprofits.
Premier Community Credit Union
990 • Fiscal year 2012 • EIN 94-1215832
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.90x
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on this filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on this filing.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
49th percentile
Faster asset growth than 49% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Balance Sheet
Assets
Up$123,741,344
Up $5,934,428 (+5.0%) from 2011
Net Assets
Up$11,842,652
Up $398,250 (+3.5%) from 2011
Liabilities
Up$111,898,692
Up $5,536,178 (+5.2%) from 2011
Revenue And Expenses
Revenue
-
No earlier filing loaded for comparison.
Expenses
Down$5,201,304
Down $234,332 (-4.3%) from 2011
Net Income
-
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2012 to Dec 31, 2012
- Signed
- Nov 4, 2013
- Return Version
- 2012v2.1
- Gross Receipts
- $10,310,015
Mission and Program Overview
Mission
Premier community credit union is a cooperative, organized for the purpose of promoting thrift and saving among its members, creating a source of credit for them at rates of interest set by the board of directors, and providing an opportunity for them to use and control their own money on a democratic basis in order to improve their economic and social conditions. As a cooperative, premier community credit union conducts its business for the mutual benefit and general welfare of its members with the earning, savings, benefits, or services of the credit being distributed to its members as patrons.
Major Activities
- Activity 2
- Premier community credit union also provides savings products to our members. Like many credit unions across the nation, premier community credit union has offered nearly free checking accounts to our members for many years, saving well over $100.00 per checking account just on monthly maintenance fees alone. Our schedule of fees is generally less expensive than many other competing institutions which benefits our membership and promotes thrift.
- Activity 3
- Premier community credit union also provides opportunities for its members to utilize convenient electronic services. The credit union processes visa debit and visa credit card transactions, audio response, home-banking and bill-payer transactions. The credit union also supports point of sale electronic transactions and owns atm machines to make it easier for members to have access to their accounts on a 24/7 basis. The credit union belongs to a surcharge free credit union owned atm network so that members can use another credit union's atm machine without paying a surcharge. The credit union also participates in a shared branching arrangement to make banking even more convenient for our members so that they can perform normal banking transactions from any credit union within the network.
Filing and Contact Details
Filer
- EIN
- 94-1215832
Raw XML AppendixShowing 400 of 455 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/AccountsPayableAccruedExpenses/EOY | 0 | 922676 |
| IRS990/ActivitiesConductedPartnership | 0 | 0 |
| IRS990/Activity2/Description | 0 | PREMIER COMMUNITY CREDIT UNION ALSO PROVIDES SAVINGS PRODUCTS TO OUR MEMBERS. LIKE MANY CREDIT UNIONS ACROSS THE NATION, PREMIER COMMUNITY CREDIT UNION HAS OFFERED NEARLY FREE CHECKING ACCOUNTS TO OUR MEMBERS FOR MANY YEARS, SAVING WELL OVER $100.00 PER CHECKING ACCOUNT JUST ON MONTHLY MAINTENANCE FEES ALONE. OUR SCHEDULE OF FEES IS GENERALLY LESS EXPENSIVE THAN MANY OTHER COMPETING INSTITUTIONS WHICH BENEFITS OUR MEMBERSHIP AND PROMOTES THRIFT. |
| IRS990/Activity3/Description | 0 | PREMIER COMMUNITY CREDIT UNION ALSO PROVIDES OPPORTUNITIES FOR ITS MEMBERS TO UTILIZE CONVENIENT ELECTRONIC SERVICES. THE CREDIT UNION PROCESSES VISA DEBIT AND VISA CREDIT CARD TRANSACTIONS, AUDIO RESPONSE, HOME-BANKING AND BILL-PAYER TRANSACTIONS. THE CREDIT UNION ALSO SUPPORTS POINT OF SALE ELECTRONIC TRANSACTIONS AND OWNS ATM MACHINES TO MAKE IT EASIER FOR MEMBERS TO HAVE ACCESS TO THEIR ACCOUNTS ON A 24/7 BASIS. THE CREDIT UNION BELONGS TO A SURCHARGE FREE CREDIT UNION OWNED ATM NETWORK SO THAT MEMBERS CAN USE ANOTHER CREDIT UNION'S ATM MACHINE WITHOUT PAYING A SURCHARGE. THE CREDIT UNION ALSO PARTICIPATES IN A SHARED BRANCHING ARRANGEMENT TO MAKE BANKING EVEN MORE CONVENIENT FOR OUR MEMBERS SO THAT THEY CAN PERFORM NORMAL BANKING TRANSACTIONS FROM ANY CREDIT UNION WITHIN THE NETWORK. |
| IRS990/ActivityOrMissionDescription | 0 | A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. |
| IRS990/AddressPrincipalOfficerUS/AddressLine1 | 0 | 3255 WEST BENJAMIN HOLT DRIVE |
| IRS990/AddressPrincipalOfficerUS/City | 0 | STOCKTON |
| IRS990/AddressPrincipalOfficerUS/State | 0 | CA |
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| IRS990/CompCurrentOfficersDirectors/Total | 0 | 260868 |
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| IRS990/DepreciationDepletion/Total | 0 | 341647 |
| IRS990/DescribedIn501C3 | 0 | 0 |
| IRS990/Description | 0 | PREMIER COMMUNITY CREDIT UNION PROVIDES LOAN PRODUCTS TO OUR MEMBERS AT VERY COMPETITIVE RATES. FOR THE YEAR ENDED 12/31/12, THE TOTAL LOANS GRANTED TO OUR MEMBERS WAS $19,260,830. PREMIER COMMUNITY CREDIT UNION ONLY MAKES LOAN TO ITS MEMBERS THAT RESIDE OR WORK IN SAN JOAQUIN COUNTY. UNLIKE MULTI-NATIONAL CONGLOMERATES, OUR LOANS ARE MADE TO THE MEMBERS OF OUR LOCAL COMMUNITIES. THE CREDIT UNION USES A CONSERVATIVE APPROACH TO LENDING, AND HAS NEVER SOLD A SUBPRIME LOAN PRODUCT TO ITS MEMBERSHIP. THE CREDIT UNION KEEPS AND SERVICES THE LOANS IT MAKES TO OUR MEMBERS, SO THE SUCCESS OF OUR ORGANIZATION IS DETERMINED BY MAKING GOOD LOANS TO OUR MEMBERS THAT THEY CAN AFFORD. |
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| IRS990/MissionDescription | 0 | PREMIER COMMUNITY CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVING AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, PREMIER COMMUNITY CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNING, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. |
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| IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation | 0 | THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES POTENTIALLY DEEMED TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF MARCH 31, 2013. |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier | 0 | DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: |
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| IRS990ScheduleD/InvestmentsProgramRelated/Description | 0 | DEPOSITS IN COMMERCIAL BANKS, S&LS, SAVINGS BANKS |
| IRS990ScheduleD/InvestmentsProgramRelated/Description | 1 | LOANS TO AND INVESTMENTS IN NATURAL PERSON CUS |
| IRS990ScheduleD/InvestmentsProgramRelated/Description | 2 | LOANS AND LEASES |
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| IRS990ScheduleD/InvestmentsProgramRelated/Description | 4 | PAID IN CAPITAL IN CORP |
| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 0 | F |
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| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 4 | F |
| IRS990ScheduleD/Land/BookValue | 0 | 510000 |
| IRS990ScheduleD/Land/OtherCostOrOtherBasis | 0 | 510000 |
| IRS990ScheduleD/LeaseholdImprovements/BookValue | 0 | 195185 |
| IRS990ScheduleD/LeaseholdImprovements/Depreciation | 0 | 64856 |
| IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis | 0 | 260041 |
| IRS990ScheduleD/OtherAssets/BookValue | 0 | 719731 |
| IRS990ScheduleD/OtherAssets/BookValue | 1 | 165078 |
| IRS990ScheduleD/OtherAssets/BookValue | 2 | 98724 |
| IRS990ScheduleD/OtherAssets/BookValue | 3 | 6265366 |
| IRS990ScheduleD/OtherAssets/Description | 0 | FORECLOSED AND REPOSSESSED ASSETS - REAL ESTATE |
| IRS990ScheduleD/OtherAssets/Description | 1 | ACCRUED INTEREST ON LOANS |
| IRS990ScheduleD/OtherAssets/Description | 2 | ACCRUED INTEREST ON INVESTMENTS |
| IRS990ScheduleD/OtherAssets/Description | 3 | ALL OTHER ASSETS |
| IRS990ScheduleD/OtherLiabilities/Amount | 0 | 110976016 |
| IRS990ScheduleD/OtherLiabilities/Description | 0 | TOTAL SHARES AND DEPOSITS |
| IRS990ScheduleD/TotalBookValueOtherAssets | 0 | 7248899 |
| IRS990ScheduleD/TotalOfAmounts | 0 | 110976016 |
| IRS990ScheduleD/TotalOfBookValueLandBuildings | 0 | 3533669 |
| IRS990ScheduleD/TotalOfBookValueProgramRelated | 0 | 67309057 |
| IRS990ScheduleI/RecordsMaintained | 0 | 1 |
| IRS990ScheduleJ/BoardOrCommitteeApproval | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrangement | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg | 0 | 155116 |
| IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg | 0 | 8000 |
| IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990FilingOrg | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990RelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg | 0 | 7120 |
| IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson | 0 | PAUL YANG |
| IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg | 0 | 12735 |
| IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg | 0 | 150 |
| IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/Title | 0 | CEO |
| IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg | 0 | 183121 |
| IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs | 0 | 0 |
| IRS990/ScheduleJRequired | 0 | 1 |
| IRS990ScheduleJ/SeverancePayment | 0 | 0 |
| IRS990ScheduleJ/SubstantiationRequired | 0 | 1 |
| IRS990ScheduleJ/SupplementalNonqualRetirePlan | 0 | 0 |
| IRS990ScheduleL/LoanTable/ApprovedByBoard | 0 | 1 |
| IRS990ScheduleL/LoanTable/BalanceDue | 0 | 125131 |
| IRS990ScheduleL/LoanTable/Default | 0 | 0 |
| IRS990ScheduleL/LoanTable/LoanFromOrganization | 0 | X |
| IRS990ScheduleL/LoanTable/NamePerson | 0 | RUSSEL HAGEN |
| IRS990ScheduleL/LoanTable/OriginalPrincipalAmount | 0 | 176000 |
| IRS990ScheduleL/LoanTable/PurposeOfLoan | 0 | REAL ESTATE LOAN |
| IRS990ScheduleL/LoanTable/RelationshipWithOrganization | 0 | OFFICER |
| IRS990ScheduleL/LoanTable/WrittenAgreement | 0 | 1 |
| IRS990ScheduleL/TotalBalanceDue | 0 | 125131 |
| IRS990ScheduleO/GeneralExplanation/Explanation | 0 | PREMIER COMMUNITY CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS, AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. PREMIER COMMUNITY CREDIT UNION DOES NOT HAVE STOCKHOLDERS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 1 | THE GOVERNING BOARD OF PREMIER COMMUNITY CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY OUR BY-LAWS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 2 | AT THE END OF EACH TERM OF THE BOARD MEMBERS, ELECTIONS ARE HELD AND BOARD MEMBERS ARE VOTED BY THE MEMBERS OF THE CREDIT UNION PURSUANT TO ITS BY-LAWS |
| IRS990ScheduleO/GeneralExplanation/Explanation | 3 | THE BOARD REVIEWS THE FORM 990 DURING THE BOARD MEETING AND PROVIDES COMMENTS AND MODIFICATIONS WHERE NECESSARY PRIOR TO FINAL COMPLETION AND FILING. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 4 | STATEMENTS MADE ARE REVIEWED ANNUALLY. VENDORS ARE CAREFULLY SELECTED SO AS TO AVOID ANY CONFLICTS OF INTEREST. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 5 | CEO COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS. COMPENSATION FOR VICE-PRESIDENTS ARE DETERMINED BY INDUSTRY-WIDE PAY SCALES AND JOB EVALUATION CRITERIA WHICH IS REVIEWED BY THE CEO. IN 2009 A NEW CEO WAS HIRED AND THE BOARD OF DIRECTORS UTILIZED A THIRD PARTY CONSULTANT FOR NEGOTIATING WAGES AND BENEFITS. THE PAY SCALES FOR ALL OTHER EMPLOYEES UTILIZE INFORMATION MADE AVAILABLE THROUGH INDUSTRY TRADE ORGANIZATIONS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 6 | THE BOARD MINUTES AND POLICIES ARE AVAILABLE TO THE PUBLIC BY REQUEST. THE FINANCIAL STATEMENTS ARE POSTED MONTHLY ON THE INTERNET AND ALSO MADE AVAILABLE AT MEMBER REQUEST. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 7 | NET CUMULATIVE UNREALIZED GAINS AND LOSSES -119,624. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 8 | THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. |
| IRS990ScheduleO/GeneralExplanation/Identifier | 0 | CHANGES IN NET ASSETS OR FUND BALANCES: |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 3 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 5 | FORM 990, PART VI, SECTION B, LINE 15A |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 7 | FORM 990, PART XI, LINE 9: |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 8 | FORM 990, PART XII, LINE 2C: |
| IRS990/ScheduleORequired | 0 | 1 |
| IRS990/School | 0 | 0 |
| IRS990/SignificantChange | 0 | 0 |
| IRS990/SignificantNewProgramServices | 0 | 0 |
| IRS990/StateLegalDomicile | 0 | CA |
| IRS990/StatesWhereCopyOfReturnIsFiled | 0 | CA |
| IRS990/SubjectToProxyTax | 0 | 0 |
| IRS990/TaxablePartyNotification | 0 | 0 |
| IRS990/TaxExemptBonds | 0 | 0 |
| IRS990/Terminated | 0 | 0 |
| IRS990/TermOrPermanentEndowments | 0 | 0 |
| IRS990/TheBooksAreInCareOf/AddressUS/AddressLine1 | 0 | 3255 WEST BENJAMIN HOLT DRIVE |
| IRS990/TheBooksAreInCareOf/AddressUS/City | 0 | STOCKTON |
| IRS990/TheBooksAreInCareOf/AddressUS/State | 0 | CA |
| IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode | 0 | 95208 |
| IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine1 | 0 | RUSSEL HAGEN |
| IRS990/TheBooksAreInCareOf/TelephoneNumber | 0 | 2099544324 |
| IRS990/TotalAssets/BOY | 0 | 117806916 |
| IRS990/TotalAssetsBOY | 0 | 117806916 |
| IRS990/TotalAssets/EOY | 0 | 123741344 |
| IRS990/TotalAssetsEOY | 0 | 123741344 |
| IRS990/TotalCompGT150K | 0 | 1 |
| IRS990/TotalExpensesCurrentYear | 0 | 5201304 |
| IRS990/TotalExpensesPriorYear | 0 | 5435636 |
| IRS990/TotalFunctionalExpenses/Total | 0 | 5201304 |
| IRS990/TotalFundrsngExpCurrentYear | 0 | 0 |
| IRS990/TotalGrossUBI | 0 | 16341 |
| IRS990/TotalLiabilities/BOY | 0 | 106362514 |
| IRS990/TotalLiabilitiesBOY | 0 | 106362514 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
- Assets
- $123,741,344
- Liabilities
- $111,898,692
- Net assets
- $11,842,652
- Revenue
- -
- Expenses
- $5,201,304
- Net income
- -
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