Liabilities / Assets
96th percentile
Higher debt load relative to assets than 96% of similar nonprofits.
Silverado Credit Union
990 • Fiscal year 2011 • EIN 94-1276845
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.93x
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
4th percentile
Faster asset growth than 4% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Balance Sheet
Assets
Down$43,252,035
Down $2,994,843 (-6.5%) from 2010
Net Assets
Down$3,106,659
Down $198,728 (-6.0%) from 2010
Liabilities
Down$40,145,376
Down $2,796,115 (-6.5%) from 2010
Revenue And Expenses
Revenue
-
No earlier filing loaded for comparison.
Expenses
Down$2,084,341
Down $49,212 (-2.3%) from 2010
Net Income
-
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2011 to Dec 31, 2011
- Signed
- Nov 1, 2012
- Return Version
- 2011v1.2
- Gross Receipts
- $1,885,613
Mission and Program Overview
Mission
A cooperative, organized for the purpose of promoting thrift andsavings 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, silverado credit union conductsits business for the mutual benefit and general welfare of itsmembers with the earnings, savings, benefits, or services of the credit union being distributed to its members as patrons.
Major Activities
- Activity 2
- Achieved satisfactory results in providing our members with a broad array of consumer loan product offerings, including vehicle loans, recreational vehicles, unsecured personal lines of credit, visa cards and pledge share loans.
- Activity 3
- Achieved satisfactory results in providing members with mortgage loans, including first trust deeds, second trust deeds and home equity lines of credit.
Filing and Contact Details
Filer
- EIN
- 94-1276845
Raw XML Appendix398 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 | 140082 |
| IRS990/ActivitiesConductedPartnership | 0 | 0 |
| IRS990/Activity2/Description | 0 | ACHIEVED SATISFACTORY RESULTS IN PROVIDING OUR MEMBERS WITH A BROAD ARRAY OF CONSUMER LOAN PRODUCT OFFERINGS, INCLUDING VEHICLE LOANS, RECREATIONAL VEHICLES, UNSECURED PERSONAL LINES OF CREDIT, VISA CARDS AND PLEDGE SHARE LOANS. |
| IRS990/Activity3/Description | 0 | ACHIEVED SATISFACTORY RESULTS IN PROVIDING MEMBERS WITH MORTGAGE LOANS, INCLUDING FIRST TRUST DEEDS, SECOND TRUST DEEDS AND HOME EQUITY LINES OF CREDIT. |
| IRS990/ActivityOrMissionDescription | 0 | A COOPERATIVE ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS |
| IRS990/AddressPrincipalOfficerUS/AddressLine1 | 0 | 1 ANGWIN PLAZA |
| IRS990/AddressPrincipalOfficerUS/City | 0 | ANGWIN |
| IRS990/AddressPrincipalOfficerUS/State | 0 | CA |
| IRS990/AddressPrincipalOfficerUS/ZIPCode | 0 | 94508 |
| IRS990/Advertising/Total | 0 | 21682 |
| IRS990/AllOtherExpenses/Total | 0 | 5817 |
| IRS990/AnnualDisclosureCoveredPersons | 0 | 1 |
| IRS990/AuditCommittee | 0 | 1 |
| IRS990/BenefitsPaidToMembersCY | 0 | 0 |
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| IRS990/CashNonInterestBearing/BOY | 0 | 445746 |
| IRS990/CashNonInterestBearing/EOY | 0 | 500745 |
| IRS990/ChangesToOrganizingDocs | 0 | 0 |
| IRS990/CollectionsOfArt | 0 | 0 |
| IRS990/CompCurrentOfficersDirectors/Total | 0 | 82904 |
| IRS990/CompensationFromOtherSources | 0 | 0 |
| IRS990/CompensationProcessCEO | 0 | 1 |
| IRS990/CompensationProcessOther | 0 | 1 |
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| IRS990/ConservationEasements | 0 | 0 |
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| IRS990/DescribedIn501C3 | 0 | 0 |
| IRS990/Description | 0 | ACHIEVED SATISFACTORY RESULTS IN PROVIDING MEMBERS WITH A BROAD ARRAY OF DEPOSIT PRODUCT OFFERINGS, INCLUDING SAVINGS ACCOUNTS, CHECKING ACCOUNTS, A HIGH-YIELD CHECKING ACCOUNT PRODUCT AND A PREMIUM-RATE MONEY MARKET SAVINGS PRODUCT. |
| IRS990/DisregardedEntity | 0 | 0 |
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| IRS990/FeesForServicesOther/Total | 0 | 219643 |
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| IRS990/Form990PartVIISectionA/NamePerson | 4 | FRED BENSON |
| IRS990/Form990PartVIISectionA/NamePerson | 5 | JOHN S MCINTOSH |
| IRS990/Form990PartVIISectionA/NamePerson | 6 | DUANE BARNES |
| IRS990/Form990PartVIISectionA/NamePerson | 7 | MARK W PACINI |
| IRS990/Form990PartVIISectionA/NamePerson | 8 | DANIEL MADRID |
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| IRS990/Form990PartVIISectionA/Title | 2 | SECRETARY |
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| IRS990/Form990PartVIISectionA/Title | 4 | BOARD MEMBER |
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| IRS990/GroupReturnForAffiliates | 0 | 0 |
| IRS990/Hospital | 0 | 0 |
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| IRS990/InfoInScheduleOPartVI | 0 | X |
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| IRS990/MissionDescription | 0 | A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT ANDSAVINGS 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, SILVERADO CREDIT UNION CONDUCTSITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITSMEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. |
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| IRS990/MoreThan5000KToOrganizations | 0 | 0 |
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| IRS990/OtherExpenses/Description | 0 | PROV FOR LOANS & LEASES |
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| IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation | 0 | IN THE OPINION OF MANAGEMENT, ANY LIABILITY ARISING FROM FEDERAL OR STATE TAXATION OF ACTIVITIES DEEMED TO BE UNRELATED TO ITS EXEMPT PURPOSES IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATION. |
| IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier | 0 | DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: |
| IRS990ScheduleD/Form990ScheduleDPartXIV/ReturnReference | 0 | PART X: |
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| IRS990ScheduleD/InvestmentsProgramRelated/Description | 2 | LOANS NET OF ALLOWANCE |
| IRS990ScheduleD/InvestmentsProgramRelated/Description | 3 | NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT |
| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 0 | F |
| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 1 | F |
| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 2 | F |
| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 3 | F |
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| IRS990ScheduleD/OtherLiabilities/Description | 0 | TOTAL SHARES & DEPOSITS |
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| IRS990ScheduleO/GeneralExplanation/Explanation | 0 | SILVERADO 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. SILVERADO CREDIT UNION DOES NOT HAVE STOCKHOLDERS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 1 | THE GOVERNING BOARD OF SILVERADO 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 THE 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. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 3 | EACH BOARD MEMBER RECEIVED A COMPLETED DRAFT OF THE FORM 990 FOR REVIEW PRIOR TO FILING. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 4 | THE BOARD, STAFF & MANAGEMENT OF THE ORGANIZATION REVIEW THE CONFLICT OF INTEREST POLICY AND ACKNOWLEDGE COMPLIANCE ON AN ANNUAL BASIS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 5 | THE PROCESS OF DETERMINING COMPENSATION FOR THE PRESIDENT IS REVIEWED AND COMPLETED BY THE BOARD, AND THE PROCESS OF DETERMINING COMPENSATION FOR OTHER EMPLOYEES IS THE SAME. THE CUNA SALARY SURVEY IS USED FOR COMPARABILITY FOR INDUSTRY STANDARDS AND REASONABLENESS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 6 | THE GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST; THE FINANCIAL STATEMENTS FOR THE CREDIT UNION ARE AVAILABLE ON A MONTHLY BASIS & POSTED WITHIN THE BRANCH LOBBY. FINANCIAL STATMENTS ARE ALSO MADE AVAILABLE TO THE GOVERNING BOARD MEMBERS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 7 | THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. |
| 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 12 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 5 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 7 | 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 | 1 ANGWIN PLAZA |
| IRS990/TheBooksAreInCareOf/AddressUS/City | 0 | ANGWIN |
| IRS990/TheBooksAreInCareOf/AddressUS/State | 0 | CA |
| IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode | 0 | 94508 |
| IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine1 | 0 | MARILYN VAN DOLSON PRESIDENTTREASURER |
| IRS990/TheBooksAreInCareOf/TelephoneNumber | 0 | 7079652483 |
| IRS990/TotalAssets/BOY | 0 | 46246878 |
| IRS990/TotalAssetsBOY | 0 | 46246878 |
| IRS990/TotalAssets/EOY | 0 | 43252035 |
| IRS990/TotalAssetsEOY | 0 | 43252035 |
| IRS990/TotalCompGT150K | 0 | 0 |
| IRS990/TotalExpensesCurrentYear | 0 | 2084341 |
| IRS990/TotalExpensesPriorYear | 0 | 2133553 |
| IRS990/TotalFunctionalExpenses/Total | 0 | 2084341 |
| IRS990/TotalFundrsngExpCurrentYear | 0 | 0 |
| IRS990/TotalGrossUBI | 0 | 1320 |
| IRS990/TotalLiabilities/BOY | 0 | 42941491 |
| IRS990/TotalLiabilitiesBOY | 0 | 42941491 |
| IRS990/TotalLiabilities/EOY | 0 | 40145376 |
| IRS990/TotalLiabilitiesEOY | 0 | 40145376 |
| IRS990/TotalLiabNetAssetsFundBalances/BOY | 0 | 46246878 |
| IRS990/TotalLiabNetAssetsFundBalances/EOY | 0 | 43252035 |
| IRS990/TotalNbrEmployees | 0 | 26 |
| IRS990/TotalNbrVolunteers | 0 | 10 |
| IRS990/TotalNetAssetsFundBalances/BOY | 0 | 3305387 |
| IRS990/TotalNetAssetsFundBalances/EOY | 0 | 3106659 |
| IRS990/TotalOtherCompensation | 0 | 14564 |
| IRS990/TotalProfFundrsngExpCY | 0 | 0 |
| IRS990/TotalProfFundrsngExpPriorYear | 0 | 0 |
| IRS990/TotalProgramServiceRevenue | 0 | 1803958 |
| IRS990/TotalReportableCompFrmRltdOrgs | 0 | 0 |
| IRS990/TotalReportableCompFromOrg | 0 | 82904 |
| IRS990/TotalRevenueCurrentYear | 0 | 1885613 |
| IRS990/TotalRevenue/ExclusionAmount | 0 | 0 |
| IRS990/TotalRevenuePriorYear | 0 | 1891480 |
| IRS990/TotalRevenue/RelatedOrExemptFunctionIncome | 0 | 1884293 |
| IRS990/TotalRevenue/TotalRevenueColumn | 0 | 1885613 |
| IRS990/TotalRevenue/UnrelatedBusinessRevenue | 0 | 1320 |
| IRS990/TransactionRelatedEntity | 0 | 0 |
| IRS990/Travel/Total | 0 | 24803 |
| IRS990/TypeOfOrganizationOther | 0 | X |
| IRS990/TypeOfOrgOtherDescription | 0 | CREDIT UNION |
| IRS990/UnrelatedBusinessIncome | 0 | 1 |
| IRS990/UponRequest | 0 | X |
| IRS990/WebSite | 0 | SILVERADOCU.COM |
| IRS990/WhistleblowerPolicy | 0 | 0 |
| IRS990/YearFormation | 0 | 1979 |
| ReturnHeader/BuildTS | 0 | 2016-02-24 21:20:13Z |
| ReturnHeader/Filer/EIN | 0 | 941276845 |
| ReturnHeader/Filer/Name/BusinessNameLine1 | 0 | SILVERADO CREDIT UNION |
| ReturnHeader/Filer/NameControl | 0 | SILV |
| ReturnHeader/Filer/Phone | 0 | 7079652483 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 1 ANGWIN PLAZA |
| ReturnHeader/Filer/USAddress/City | 0 | ANGWIN |
| ReturnHeader/Filer/USAddress/State | 0 | CA |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 94508 |
| ReturnHeader/Officer/AuthorizeThirdParty | 0 | 1 |
| ReturnHeader/Officer/DateSigned | 0 | 2012-11-01 |
| ReturnHeader/Officer/Name | 0 | MARILYN VAN DOLSON |
| ReturnHeader/Officer/Phone | 0 | 7079652483 |
| ReturnHeader/Officer/Title | 0 | PRESIDENT/TREASURER |
| ReturnHeader/PreparerFirm/EIN | 0 | 954083485 |
| ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine1 | 0 | TURNER WARREN HWANG & CONRAD ACCTCY |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1 | 0 | 100 NORTH FIRST ST STE 202 |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City | 0 | BURBANK |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State | 0 | CA |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode | 0 | 91502 |
| ReturnHeader/Preparer/Name | 0 | VALENTINO CREUS CPA |
| ReturnHeader/Preparer/Phone | 0 | 8189549700 |
| ReturnHeader/ReturnType | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDate | 0 | 2011-01-01 |
| ReturnHeader/TaxPeriodEndDate | 0 | 2011-12-31 |
| ReturnHeader/TaxYear | 0 | 2011 |
| ReturnHeader/Timestamp | 0 | 2012-11-12T13:25:50-06:00 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
- Assets
- $43,252,035
- Liabilities
- $40,145,376
- Net assets
- $3,106,659
- Revenue
- -
- Expenses
- $2,084,341
- Net income
- -