Civic Intelligence

Premier Community Credit Union

990 • Fiscal year 2014 • EIN 94-1215832

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 11, 2015

Organization ProfileWWW.PREMIERCCU.ORG

View Organization Page

3255 West Benjamin Holt DriveStockton, CA 95219

(209) 954-4324

Siviq Scores

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

Liabilities / Assets

54th percentile

0.90x

Higher debt load relative to assets than 54% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

76th percentile

21.41x

Higher debt load relative to revenue than 76% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

45th percentile

10%

Higher net margin than 45% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

22nd percentile

$145,045

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 2.7% of source-year revenue.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Asset Growth

29th percentile

1.7%

Faster asset growth than 29% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

9th percentile

-6.3%

Faster revenue growth than 9% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets54th percentile

Assets

Up

$129,115,153

Up $2,141,506 (+1.7%) from 2013

Net Assets

Up

$13,081,441

Up $1,362,557 (+12%) from 2013

Liabilities

Up

$116,033,712

Up $778,949 (+0.7%) from 2013

Revenue And Expenses
Liabilities / Revenue76th percentileNet Margin45th percentile

Revenue

Down

$5,418,948

Down $365,104 (-6.3%) from 2013

Expenses

Down

$4,868,034

Down $126,766 (-2.5%) from 2013

Net Income

Down

$550,914

Down $238,338 (-30%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth29th percentile

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

$300M$200M$100M$0Assets 2011: $117,806,916Liabilities 2011: $106,362,514Net Assets 2011: $11,444,4022011Assets 2012: $123,741,344Liabilities 2012: $111,898,692Net Assets 2012: $11,842,6522012Assets 2013: $126,973,647Liabilities 2013: $115,254,763Net Assets 2013: $11,718,8842013Assets 2014: $129,115,153Liabilities 2014: $116,033,712Net Assets 2014: $13,081,4412014Assets 2015: $133,023,295Liabilities 2015: $119,845,853Net Assets 2015: $13,177,4422015Assets 2016: $139,659,560Liabilities 2016: $126,675,460Net Assets 2016: $12,984,1002016Assets 2017: $145,199,494Liabilities 2017: $131,796,914Net Assets 2017: $13,402,5802017Assets 2018: $150,488,766Liabilities 2018: $136,842,279Net Assets 2018: $13,646,4872018Assets 2019: $154,951,140Liabilities 2019: $138,645,103Net Assets 2019: $16,306,0372019Assets 2020: $183,092,211Liabilities 2020: $166,666,674Net Assets 2020: $16,425,5372020Assets 2021: $207,588,741Liabilities 2021: $193,439,696Net Assets 2021: $14,149,0452021

Highlighted filing

2014

Assets$129,115,153
Liabilities$116,033,712
Net Assets$13,081,441
Open 2014 Filing

Operations Trend

Revenue Growth9th percentile

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

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2011: $5,435,6362011Expenses 2012: $5,201,3042012Revenue 2013: $5,784,052Expenses 2013: $4,994,800Net Income 2013: $789,2522013Revenue 2014: $5,418,948Expenses 2014: $4,868,034Net Income 2014: $550,9142014Revenue 2015: $5,553,880Expenses 2015: $5,358,669Net Income 2015: $195,2112015Revenue 2016: $6,061,801Expenses 2016: $5,697,741Net Income 2016: $364,0602016Revenue 2017: $6,269,467Expenses 2017: $5,633,725Net Income 2017: $635,7422017Revenue 2018: $6,791,245Expenses 2018: $6,168,985Net Income 2018: $622,2602018Revenue 2019: $7,217,207Expenses 2019: $6,343,971Net Income 2019: $873,2362019Revenue 2020: $6,033,985Expenses 2020: $5,892,483Net Income 2020: $141,5022020Revenue 2021: $5,748,191Expenses 2021: $5,790,640Net Income 2021: -$42,4492021

Highlighted filing

2014

Revenue$5,418,948
Expenses$4,868,034
Net Income$550,914
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 11, 2015
Return Version
2014v5.0
Gross Receipts
$5,493,328
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.

A cooperative, organized for the purpose of promoting thrift and savings among its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$71,583,802$73,985,729▲ $2,401,927
Investments in Publicly Traded Securities$37,092,981$34,869,205▼ $2,223,776
Rtn Earn Endowment Incm Other Fnds$11,718,884$13,081,441▲ $1,362,557
Savings and Temporary Cash Investments$9,472,815$11,369,101▲ $1,896,286
Land, Buildings, and Equipment, Net$3,876,706$3,801,929▼ $74,777
Cash and Non-Interest-Bearing Accounts$1,016,693$1,518,682▲ $501,989
Prepaid Expenses and Deferred Charges$258,719$205,806▼ $52,913
Receivables From Officers Etc$119,838$112,732▼ $7,106
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$126,973,647$129,115,153▲ $2,141,506
Other Assets Total$3,552,093$3,251,969▼ $300,124
Liabilities
Other Liabilities$114,387,315$114,615,019▲ $227,704
Accounts Payable and Accrued Expenses$867,448$1,418,693▲ $551,245
Total Liabilities$115,254,763$116,033,712▲ $778,949
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,718,884$13,081,441▲ $1,362,557
Total Liabilities and Net Assets / Fund Balance$126,973,647$129,115,153▲ $2,141,506

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,245,933$1,676,817$3,922,750
Equipment$402,830$1,517,429$1,920,259
Land$1,010,000-$1,010,000
Leasehold Improvements$143,166$116,860$260,026
Investment Program Related Org$2,835,341--
Compensation and Service Providers
Top Officer Pay22nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Russel HagenCEOFT$115,626$29,419$145,045

Board Members and Trustees

NameTitle
Linda MoraChairperson
Thomas WhitesidesSupv Cmte Chairperson
Brett TholbornVice Chairperson
Doug MccreathBoard Secretary / Treasurer
Allan PattersonDirector
Donald KnudsenDirector
Hank KlorDirector
Jovanna GonsalvesDirector
Ellen WehrsSupv Cmte Member
Jaccene LongacreSupv Cmte Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,453,528
Investment Income
$892,059
Other Revenue
$73,361
Change in Net Assets
$550,914
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,584,739
Salaries, Compensation, and Employee Benefits$2,257,071
Grants and Similar Amounts Paid$26,224
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,703,578
Fees for Services Other---$616,866
Information Technology---$318,600
Interest---$303,397
Office Expenses---$264,293
Other Employee Benefits---$241,337
Depreciation Depletion---$228,765
Occupancy---$198,904
Payroll Taxes---$162,548
Current Officers, Directors, Trustees, and Key Employees---$115,626
Travel---$60,226
Fees for Services Accounting---$58,656
Fees for Services Legal---$57,825
Advertising---$39,841
Pension Plan Contributions---$33,982
Other Expenses---$31,067
Grants to Domestic Orgs---$23,224
All Other Expenses---$14,337
Grants to Domestic Individuals---$3,000
Insurance---$384
Total Functional Expenses$0$0$0$4,868,034
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$119,838$112,732▼ $7,106
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Shares and Deposits$114,615,019
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
No
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, Section A, Line 6

“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.”

Form 990, Part VI, Section A, Line 7A

“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.”

Form 990, Part VI, Section A, Line 7B

“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”

Form 990, Part VI, Section B, Line 11

“The board reviews the form 990 during the board meeting and provides comments and modifications where necessary prior to final completion and filing.”

Form 990, Part VI, Section B, Line 12C

“Statements made are reviewed annually. Vendors are carefully selected so as to avoid any conflicts of interest.”

Form 990, Part VI, Section B, Line 15A

“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. The board of directors utilizes a third party consultant for negotiating wages and benefits for the ceo. The pay scales for all other employees utilize information made available through industry trade organizations.”

Form 990, Part VI, Section C, Line 19

“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.”

Filing and Contact Details

Filer

Filer Name
Premier Community Credit Union
EIN
94-1215832
Phone
2099544324
Address
3255 WEST BENJAMIN HOLT DRIVE, STOCKTON, CA 95219

Signing Officer

Name
Russel Hagen
Title
CEO
Phone
2099544324
Signed
2015-11-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Russel Hagen
Formed
1931
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
45
Volunteers
10

Preparer

Firm
Turner Warren Hwang & Conrad Acctcy
Address
100 NORTH FIRST ST STE 202, BURBANK, CA 91502
Preparer
Valentino Creus CPA
Phone
8189549700
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Other professional fees 616,866.”

FORM 990, PART XI, LINE 9:

“Adjustment to other reserves 5,974.”

FORM 990, PART XII, LINE 2C:

“The organization has not changed either its oversight process or selection process during the tax year. See attached form 3115 for premier community credit union (94-1215832).”

Financial Statement Notes

PART X, LINE 2:

“Certain product and services provided by select state chartered credit unions have been deemed by the internal revenue service (irs), in technical advice memorandums (tams) released in 2007, to be unrelated to the specific entity's exempt purpose. As presented in the technical advice memorandums, the net taxable income from these products and services would be subject to income taxes. Credit unions have litigated against the irs positions noted in the tams and have been successful in having courts declare in 2009 and 2010 that revenue from insurance products sold to members, helping them protect their financial wellbeing, qualifies as exempt purpose income, contrary to the irs position in the tams. 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, 2015 and 2014.”

Raw XML AppendixShowing 400 of 446 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.

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IRS990/Desc0PREMIER COMMUNITY CREDIT UNION PROVIDES LOAN PRODUCTS TO OUR MEMBERS AT VERY COMPETITIVE RATES. FOR THE YEAR ENDED 12/31/14, THE TOTAL LOANS GRANTED TO OUR MEMBERS WAS $20,136,022. 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/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PREMIER 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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt011718884
IRS990/NetAssetsOrFundBalancesEOYAmt013081441
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt053977
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt053977
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0805669
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0198904
IRS990/OfficeExpensesGrp/TotalAmt0264293
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03552093
IRS990/OtherAssetsTotalGrp/EOYAmt03251969
IRS990/OtherChangesInNetAssetsAmt05974
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0241337
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1MISC. OPERATING EXPENSE
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN AND
IRS990/OtherExpensesGrp/Desc3OTHER NON-OPERATING EXP
IRS990/OtherExpensesGrp/TotalAmt0237666
IRS990/OtherExpensesGrp/TotalAmt177438
IRS990/OtherExpensesGrp/TotalAmt276474
IRS990/OtherExpensesGrp/TotalAmt331067
IRS990/OtherLiabilitiesGrp/BOYAmt0114387315
IRS990/OtherLiabilitiesGrp/EOYAmt0114615019
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0GAIN ON SALE OF FIXED
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt073361
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt073361
IRS990/OtherRevenueTotalAmt073361
IRS990/OtherSalariesAndWagesGrp/TotalAmt01703578
IRS990/OtherWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0162548
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt033982
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0258719
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0205806
IRS990/PrincipalOfficerNm0RUSSEL HAGEN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02581513
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11598735
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2252360
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02581513
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11619655
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2252360
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt020920
IRS990/ProgSrvcAccomActy2Grp/Desc0PREMIER 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/ProgSrvcAccomActy3Grp/Desc0PREMIER 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/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt07150
IRS990/PYInvestmentIncomeAmt0888011
IRS990/PYOtherExpensesAmt02657729
IRS990/PYOtherRevenueAmt0277352
IRS990/PYProgramServiceRevenueAmt04618689
IRS990/PYRevenuesLessExpensesAmt0789252
IRS990/PYSalariesCompEmpBnftPaidAmt02329921
IRS990/PYTotalExpensesAmt04994800
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05784052
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0119838
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0112732
IRS990/ReconcilationRevenueExpnssAmt0550914
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt011718884
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt013081441
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09472815
IRS990/SavingsAndTempCashInvstGrp/EOYAmt011369101
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02245933
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01676817
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03922750
IRS990ScheduleD/EquipmentGrp/BookValueAmt0402830
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01517429
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01920259
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt019108000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1648000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt249997179
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt31133747
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt4263462
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt52835341
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0DEPOSITS IN COMMERCIAL BANKS, S&LS, SAVINGS BANKS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1LOANS TO AND INVESTMENTS IN NATURAL PERSON CUS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2LOANS AND LEASES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4PAID IN CAPITAL IN CORP
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5ALL OTHER INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd5F
IRS990ScheduleD/LandGrp/BookValueAmt01010000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01010000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0143166
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0116860
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0260026
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0114615019
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0TOTAL SHARES AND DEPOSITS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0CERTAIN PRODUCT AND SERVICES PROVIDED BY SELECT STATE CHARTERED CREDIT UNIONS HAVE BEEN DEEMED BY THE INTERNAL REVENUE SERVICE (IRS), IN TECHNICAL ADVICE MEMORANDUMS (TAMS) RELEASED IN 2007, TO BE UNRELATED TO THE SPECIFIC ENTITY'S EXEMPT PURPOSE. AS PRESENTED IN THE TECHNICAL ADVICE MEMORANDUMS, THE NET TAXABLE INCOME FROM THESE PRODUCTS AND SERVICES WOULD BE SUBJECT TO INCOME TAXES. CREDIT UNIONS HAVE LITIGATED AGAINST THE IRS POSITIONS NOTED IN THE TAMS AND HAVE BEEN SUCCESSFUL IN HAVING COURTS DECLARE IN 2009 AND 2010 THAT REVENUE FROM INSURANCE PRODUCTS SOLD TO MEMBERS, HELPING THEM PROTECT THEIR FINANCIAL WELLBEING, QUALIFIES AS EXEMPT PURPOSE INCOME, CONTRARY TO THE IRS POSITION IN THE TAMS. 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, 2015 AND 2014.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03801929
IRS990ScheduleD/TotalBookValueProgramRltdAmt073985729
IRS990ScheduleD/TotalLiabilityAmt0114615019
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt03000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0SCHOLARSHIPS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/NonCashAssistanceDesc0PREMIER COMMUNITY CREDIT UNION (PCCU) AWARDS SCHOLARSHIPS TO HIGH SCHOOL SENIORS, COLLEGE FRESHMEN OR SOPHOMORES. STUDENTS AND/OR THEIR PARENTS MUST BE PCCU MEMBERS. SCHOLARSHIP WINNERS ARE SELECTED BASED ON ACADEMIC ACHIEVEMENT, COMMUNITY INVOLVEMENT, FINANCIAL NEED AND WRITING ABILITY. PCCU AWARDS ONE $1,000 AND FOUR $500 SCHOLARSHIPS TO HELP STUDENTS WITH THEIR COLLEGE EXPENSES IN THE UPCOMING FALL SEMESTER.
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt05
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/ValuationMethodUsedDesc0FMV
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0112732
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0REAL ESTATE LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0176000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0RUSSEL HAGEN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0OFFICER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/TotalBalanceDueAmt0112732
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PREMIER 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/SupplementalInformationDetail/ExplanationTxt1THE 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/SupplementalInformationDetail/ExplanationTxt2AT 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/SupplementalInformationDetail/ExplanationTxt3THE BOARD REVIEWS THE FORM 990 DURING THE BOARD MEETING AND PROVIDES COMMENTS AND MODIFICATIONS WHERE NECESSARY PRIOR TO FINAL COMPLETION AND FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4STATEMENTS MADE ARE REVIEWED ANNUALLY. VENDORS ARE CAREFULLY SELECTED SO AS TO AVOID ANY CONFLICTS OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5CEO 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. THE BOARD OF DIRECTORS UTILIZES A THIRD PARTY CONSULTANT FOR NEGOTIATING WAGES AND BENEFITS FOR THE CEO. THE PAY SCALES FOR ALL OTHER EMPLOYEES UTILIZE INFORMATION MADE AVAILABLE THROUGH INDUSTRY TRADE ORGANIZATIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE 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/SupplementalInformationDetail/ExplanationTxt7OTHER PROFESSIONAL FEES 616,866.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8ADJUSTMENT TO OTHER RESERVES 5,974.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. SEE ATTACHED FORM 3115 FOR PREMIER COMMUNITY CREDIT UNION (94-1215832).
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0126973647
IRS990/TotalAssetsEOYAmt0129115153
IRS990/TotalAssetsGrp/BOYAmt0126973647
IRS990/TotalAssetsGrp/EOYAmt0129115153
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt045
IRS990/TotalFunctionalExpensesGrp/TotalAmt04868034
IRS990/TotalGrossUBIAmt020920
IRS990/TotalLiabilitiesBOYAmt0115254763
IRS990/TotalLiabilitiesEOYAmt0116033712
IRS990/TotalLiabilitiesGrp/BOYAmt0115254763
IRS990/TotalLiabilitiesGrp/EOYAmt0116033712
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt011718884
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt013081441
IRS990/TotalOtherCompensationAmt029419
IRS990/TotalProgramServiceRevenueAmt04453528
IRS990/TotalReportableCompFromOrgAmt0115626
IRS990/TotalRevenueGrp/ExclusionAmt00

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$129,115,153
Liabilities
$116,033,712
Net assets
$13,081,441
Revenue
$5,418,948
Expenses
$4,868,034
Net income
$550,914
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$208$193$14.1$5.75$5.79$0.04
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$183$167$16.4$6.03$5.89$0.14
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$155$139$16.3$7.22$6.34$0.87
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$150$137$13.6$6.79$6.17$0.62
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$145$132$13.4$6.27$5.63$0.64
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$140$127$13.0$6.06$5.70$0.36
2015Summary only. Only limited summary data is available for this year.$133$120$13.2$5.55$5.36$0.20
2014Detailed filing. Detailed filing data is available for this year.$129$116$13.1$5.42$4.87$0.55
2013Detailed filing. Detailed filing data is available for this year.$127$115$11.7$5.78$4.99$0.79
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$124$112$11.8$5.20
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$118$106$11.4$5.44
Peer Organizations

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