Civic Intelligence

Redwood Credit Union

990 • Fiscal year 2013 • EIN 94-1244186

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 13, 2014

Organization ProfileWWW.REDWOODCU.ORG

View Organization Page

3033 Cleveland Ave Suite 10095403

(800) 479-7928

Siviq Scores

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

Liabilities / Assets

50th percentile

0.90x

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

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

Liabilities / Revenue

47th percentile

18.98x

Higher debt load relative to revenue than 47% of similar nonprofits.

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

Net Margin

99th percentile

45%

Higher net margin than 99% of similar nonprofits.

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

Top Officer Pay

85th percentile

$1,540,868

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

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

Asset Growth

73rd percentile

8.0%

Faster asset growth than 73% of similar nonprofits.

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

Revenue Growth

Score unavailable

No value available

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

Source year 2013

Balance Sheet
Liabilities / Assets50th percentile

Assets

Up

$2,271,285,863

Up $167,497,097 (+8.0%) from 2012

Net Assets

Up

$233,510,828

Up $48,734,009 (+26%) from 2012

Liabilities

Up

$2,037,775,035

Up $118,763,088 (+6.2%) from 2012

Revenue And Expenses
Liabilities / Revenue47th percentileNet Margin99th percentile

Revenue

$107,385,256

No earlier filing loaded for comparison.

Expenses

Down

$58,688,648

Down $17,670,969 (-23%) from 2012

Net Income

$48,696,608

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth73rd percentile

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

$10B$5.0B$0Assets 2010: $1,728,405,015Liabilities 2010: $1,591,454,269Net Assets 2010: $136,950,7462010Assets 2011: $1,929,110,860Liabilities 2011: $1,776,169,643Net Assets 2011: $152,941,2172011Assets 2012: $2,103,788,766Liabilities 2012: $1,919,011,947Net Assets 2012: $184,776,8192012Assets 2013: $2,271,285,863Liabilities 2013: $2,037,775,035Net Assets 2013: $233,510,8282013Assets 2014: $2,468,055,914Liabilities 2014: $2,187,289,923Net Assets 2014: $280,765,9912014Assets 2015: $2,822,001,517Liabilities 2015: $2,492,973,591Net Assets 2015: $329,027,9262015Assets 2016: $3,276,496,038Liabilities 2016: $2,890,284,774Net Assets 2016: $386,211,2642016Assets 2017: $4,030,135,754Liabilities 2017: $3,576,316,744Net Assets 2017: $453,819,0102017Assets 2018: $4,454,112,489Liabilities 2018: $3,913,026,061Net Assets 2018: $541,086,4282018Assets 2019: $4,988,759,555Liabilities 2019: $4,358,964,335Net Assets 2019: $629,795,2202019Assets 2020: $6,235,157,465Liabilities 2020: $5,541,473,160Net Assets 2020: $693,684,3052020Assets 2021: $7,428,683,362Liabilities 2021: $6,632,385,382Net Assets 2021: $796,297,9802021Assets 2022: $7,527,506,599Liabilities 2022: $6,635,678,961Net Assets 2022: $891,827,6382022Assets 2023: $8,510,071,050Liabilities 2023: $7,525,653,106Net Assets 2023: $984,417,9442023Assets 2024: $9,109,279,837Liabilities 2024: $8,004,008,206Net Assets 2024: $1,105,271,6312024

Highlighted filing

2013

Assets$2,271,285,863
Liabilities$2,037,775,035
Net Assets$233,510,828
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600M$400M$200M$0Expenses 2010: $102,720,3532010Expenses 2011: $90,529,1462011Expenses 2012: $76,359,6172012Revenue 2013: $107,385,256Expenses 2013: $58,688,648Net Income 2013: $48,696,6082013Revenue 2014: $112,622,914Expenses 2014: $65,383,796Net Income 2014: $47,239,1182014Revenue 2015: $127,334,561Expenses 2015: $79,079,498Net Income 2015: $48,255,0632015Revenue 2016: $147,919,119Expenses 2016: $90,699,509Net Income 2016: $57,219,6102016Revenue 2017: $176,914,157Expenses 2017: $109,282,795Net Income 2017: $67,631,3622017Revenue 2018: $215,541,935Expenses 2018: $128,254,229Net Income 2018: $87,287,7062018Revenue 2019: $237,085,485Expenses 2019: $147,851,363Net Income 2019: $89,234,1222019Revenue 2020: $238,749,924Expenses 2020: $174,671,066Net Income 2020: $64,078,8582020Revenue 2021: $248,972,690Expenses 2021: $149,763,590Net Income 2021: $99,209,1002021Revenue 2022: $304,586,101Expenses 2022: $191,508,718Net Income 2022: $113,077,3832022Revenue 2023: $423,001,934Expenses 2023: $297,258,008Net Income 2023: $125,743,9262023Revenue 2024: $503,959,465Expenses 2024: $388,166,858Net Income 2024: $115,792,6072024

Highlighted filing

2013

Revenue$107,385,256
Expenses$58,688,648
Net Income$48,696,608
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 13, 2014
Return Version
2013v3.0
Gross Receipts
$107,385,256
Mission and Program Overview

Mission

Passionately serving the best interests of our members, employees, and communities. Serving all of our members financial service needs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,423,489,577$1,586,076,266▲ $162,586,689
Cash and Non-Interest-Bearing Accounts$568,880,379$571,960,189▲ $3,079,810
Rtn Earn Endowment Incm Other Fnds$184,776,819$233,510,828▲ $48,734,009
Land, Buildings, and Equipment, Net$32,271,545$32,863,231▲ $591,686
Investments Other Securities$24,846,263$20,238,177▼ $4,608,086
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,103,788,766$2,271,285,863▲ $167,497,097
Other Assets Total$54,301,002$60,148,000▲ $5,846,998
Liabilities
Other Liabilities$1,902,269,385$2,020,815,882▲ $118,546,497
Accounts Payable and Accrued Expenses$16,742,562$16,959,153▲ $216,591
Total Liabilities$1,919,011,947$2,037,775,035▲ $118,763,088
Net Assets / Fund Balance
Total Net Assets Fund Balance$184,776,819$233,510,828▲ $48,734,009
Total Liabilities and Net Assets / Fund Balance$2,103,788,766$2,271,285,863▲ $167,497,097

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$18,032,623$5,290,219$23,322,842
Equipment$5,305,779$15,524,940$20,830,719
Land$8,462,228-$8,462,228
Leasehold Improvements$1,004,287$3,761,217$4,765,504
Other Land Buildings$58,314-$58,314
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brett MartinezCEOFT$551,576$989,292$1,540,868
Anne BenjaminCOOFT$278,206$266,154$544,360
Wade PainterCFOFT$274,778$172,963$447,741
Clark MatthiessenFinancial AdvisorFT$24,003$327,981$351,984
Robin MckenzieSVP MarketingFT$199,439$139,820$339,259
Cynthia NegriSVP Retail LendingFT$215,428$122,556$337,984
Michael DefazioFinancial AdvisorFT$24,003$312,918$336,921
Christine FosterFinancial AdvisorFT$24,003$312,183$336,186
Kristina DerkosSVP ErdFT$180,865$131,350$312,215
Michael DowneySVP Business ServicesFT$181,758$129,158$310,916
Michael BareSVP FinanceFT$180,324$101,516$281,840
Jason EhnSr. Sba Loan OfficerFT$103,137$175,061$278,198
Tory J PonsfordSba Loan OfficerFT$74,110$195,827$269,937
Anthony HildesheimSVP ItFT$184,267$85,439$269,706
Bobbi BeehlerRcusg Executive DirectorFT$180,865$83,344$264,209
Andy RamosSVP Member ExperienceFT$170,090$91,929$262,019
Mishel KaufmanSVP Risk ManagementFT$156,348$90,431$246,779
Todd N LindemannSVP Remote DeliveryFT$153,688$39,315$193,003

Board Members and Trustees

NameTitle
Bob SteeleBoard Member
Bob WieckBoard Member
Dave ImotoBoard Member
Debbie WattsBoard Member
Greg McguirkBoard Member
Jim OlmstedBoard Member
Lisa Wittke SchaffnerBoard Member
Robert EylerBoard Member
Rod DoleBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$107,385,256
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$48,696,608
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$32,703,614
Other Expenses$25,985,034
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$25,779,489
Current Officers, Directors, Trustees, and Key Employees---$6,924,125
Fees for Services Other---$5,084,349
Occupancy---$4,585,948
Interest---$4,503,946
Other Expenses---$2,093,532
All Other Expenses---$-4,400,601
Total Functional Expenses$0$0$0$58,688,648
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$24,210
Total Exempt Function Spending$24,210
Section 527 Activity Spending$4,210

Section 527 Organizations

OrganizationLocationAmount
--$20,000
--$2,000
--$1,000
--$1,000
--$160
--$50
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARE AND SAVINGS ACCOUNTS$2,020,815,882
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
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Organization is a credit union and as such has members that utilize the credit union for their financial needs.”

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

“Organization is a credit union and the membership elects the board of directors.”

Form 990, Part VI, Section B, Line 11

“Form will be completed, and reviewed by the svp/finance, evp/cfo, and president/ceo before it is filed.”

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

“Volunteers must disclose to the board of directors annually any involvement with organizations which do business with the credit union. Credit union senior management signs a disclosure annually per policy.”

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

“Compensation of the ceo is approved by the board of directors after the compensation committee gathers data from outside sources and reviews survey and other data.”

Form 990, Part VI, Section C, Line 19

“Quarterly income statements are posted at each branch. Annual financials and annual report are available on the company's website.”

Filing and Contact Details

Filer

EIN
94-1244186
Phone
8004797928

Signing Officer

Name
Christina Cook
Title
SVP/finance
Phone
8004797928
Signed
2014-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Christina Cook
Formed
1950
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
469
Volunteers
14

Preparer

Preparer
Janis Isaacson
Phone
6022662248
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The audit committee oversees the audited financial statements.”

Financial Statement Notes

PART X, LINE 2:

“The credit union and its subsidiary evaluated their tax positions and determined no uncertain tax positions exist as of december 31, 2013 and 2012.”

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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/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11COO
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP IT
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP RETAIL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP ERD
IRS990/Form990PartVIISectionAGrp/TitleTxt17RCUSG EXECUTIVE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18SVP BUSINESS SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt19SVP MEMBER EXPERIENCE
IRS990/Form990PartVIISectionAGrp/TitleTxt20SVP RISK MANAGEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt21SVP REMOTE DELIVERY
IRS990/Form990PartVIISectionAGrp/TitleTxt22FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt23FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt24FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt25SR. SBA LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt26SBA LOAN OFFICER
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/IndoorTanningServicesInd00
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IRS990/MoreThan5000KToOrgInd00
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IRS990/NondeductibleContributionsInd00
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IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
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IRS990/OtherExpensesGrp/Desc1OPERATIONS
IRS990/OtherExpensesGrp/Desc2OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc3EDUCATIONAL AND PROMOTI
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IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine11CCUL STATE PAC #760225
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine12BAY AREA COOPERATIVE PAC #1235423
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine13SONOMA COUNTY ALLIANCE PAC
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine14FRIENDS OF LISA WITTKE SCHAFFNER FOR SONOMA COUNTY BOARD OF EDUCATION
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IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine12PO BOX 3643
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine13PO BOX 1842
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine14228 MONTE VISTA AVE
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine151260 N DUTTON AVE SUITE 272
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/City0SANTA ROSA
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/City1SACRAMENTO
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/City2SUNNYVALE
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/City3SANTA ROSA
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/City4HEALDSBURG
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/City5SANTA ROSA
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/State0CA
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/State1CA
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/State2CA
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IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/State5CA
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IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCode195814
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IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCode495448

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$2,271,285,863
Liabilities
$2,037,775,035
Net assets
$233,510,828
Revenue
$107,385,256
Expenses
$58,688,648
Net income
$48,696,608
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$9,109$8,004$1,105$504$388$116
2023Summary only. Only limited summary data is available for this year.$8,510$7,526$984$423$297$126
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$7,528$6,636$892$305$192$113
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7,429$6,632$796$249$150$99.2
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6,235$5,541$694$239$175$64.1
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4,989$4,359$630$237$148$89.2
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4,454$3,913$541$216$128$87.3
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4,030$3,576$454$177$109$67.6
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,276$2,890$386$148$90.7$57.2
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,822$2,493$329$127$79.1$48.3
2014Summary only. Only limited summary data is available for this year.$2,468$2,187$281$113$65.4$47.2
2013Detailed filing. Detailed filing data is available for this year.$2,271$2,038$234$107$58.7$48.7
2012XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,104$1,919$185$76.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,929$1,776$153$90.5
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,728$1,591$137$103