Civic Intelligence

Silverado Credit Union

990 • Fiscal year 2021 • EIN 94-1276845

Jan 01, 2021 to Dec 31, 2021 • Filed on Sep 29, 2022

Organization ProfileWWW.SILVERADOCU.COM

View Organization Page

PO Box 330Angwin, CA 94508

(707) 965-2483

Siviq Scores

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

Liabilities / Assets

99th percentile

0.94x

Higher debt load relative to assets than 99% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Liabilities / Revenue

94th percentile

38.25x

Higher debt load relative to revenue than 94% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Net Margin

8th percentile

-1.4%

Higher net margin than 8% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Top Officer Pay

14th percentile

$98,590

Higher top officer pay than 14% of similar nonprofits.

Top officer pay equals 6.3% of source-year revenue.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Asset Growth

55th percentile

10%

Faster asset growth than 55% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2020 to 2021

Revenue Growth

16th percentile

-8.3%

Faster revenue growth than 16% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets99th percentile

Assets

Up

$63,973,981

Up $5,866,073 (+10%) from 2020

Net Assets

Down

$3,988,630

Down $21,944 (-0.5%) from 2020

Liabilities

Up

$59,985,351

Up $5,888,017 (+11%) from 2020

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin8th percentile

Revenue

Down

$1,568,104

Down $141,620 (-8.3%) from 2020

Expenses

Down

$1,590,048

Down $50,344 (-3.1%) from 2020

Net Income

Down

-$21,944

Down $91,276 (-132%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth55th percentile

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

$80M$60M$40M$20M$0Assets 2010: $46,246,878Liabilities 2010: $42,941,491Net Assets 2010: $3,305,3872010Assets 2011: $43,252,035Liabilities 2011: $40,145,376Net Assets 2011: $3,106,6592011Assets 2012: $42,447,700Liabilities 2012: $39,362,813Net Assets 2012: $3,084,8872012Assets 2013: $41,853,888Liabilities 2013: $38,758,720Net Assets 2013: $3,095,1682013Assets 2014: $41,399,532Liabilities 2014: $38,185,669Net Assets 2014: $3,213,8632014Assets 2015: $41,337,228Liabilities 2015: $38,138,556Net Assets 2015: $3,198,6722015Assets 2016: $41,531,994Liabilities 2016: $38,306,000Net Assets 2016: $3,225,9942016Assets 2017: $46,427,990Liabilities 2017: $42,933,575Net Assets 2017: $3,494,4152017Assets 2018: $45,819,320Liabilities 2018: $42,052,454Net Assets 2018: $3,766,8662018Assets 2019: $43,852,494Liabilities 2019: $39,911,252Net Assets 2019: $3,941,2422019Assets 2020: $58,107,908Liabilities 2020: $54,097,334Net Assets 2020: $4,010,5742020Assets 2021: $63,973,981Liabilities 2021: $59,985,351Net Assets 2021: $3,988,6302021Assets 2022: $62,733,604Liabilities 2022: $58,497,143Net Assets 2022: $4,236,4612022Assets 2023: $56,458,591Liabilities 2023: $51,572,191Net Assets 2023: $4,886,4002023Assets 2024: $57,271,784Liabilities 2024: $51,933,980Net Assets 2024: $5,337,8042024

Highlighted filing

2021

Assets$63,973,981
Liabilities$59,985,351
Net Assets$3,988,630
Open 2021 Filing

Operations Trend

Revenue Growth16th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,133,5532010Expenses 2011: $2,084,3412011Expenses 2012: $1,807,7012012Revenue 2013: $1,591,026Expenses 2013: $1,580,745Net Income 2013: $10,2812013Revenue 2014: $1,650,736Expenses 2014: $1,532,041Net Income 2014: $118,6952014Revenue 2015: $1,522,005Expenses 2015: $1,537,196Net Income 2015: -$15,1912015Revenue 2016: $1,516,448Expenses 2016: $1,489,126Net Income 2016: $27,3222016Revenue 2017: $1,784,871Expenses 2017: $1,516,450Net Income 2017: $268,4212017Revenue 2018: $1,865,530Expenses 2018: $1,593,079Net Income 2018: $272,4512018Revenue 2019: $1,863,292Expenses 2019: $1,688,916Net Income 2019: $174,3762019Revenue 2020: $1,709,724Expenses 2020: $1,640,392Net Income 2020: $69,3322020Revenue 2021: $1,568,104Expenses 2021: $1,590,048Net Income 2021: -$21,9442021Revenue 2022: $1,862,806Expenses 2022: $1,614,975Net Income 2022: $247,8312022Revenue 2023: $2,401,261Expenses 2023: $1,749,165Net Income 2023: $652,0962023Revenue 2024: $2,578,113Expenses 2024: $2,126,710Net Income 2024: $451,4032024

Highlighted filing

2021

Revenue$1,568,104
Expenses$1,590,048
Net Income-$21,944
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Sep 29, 2022
Return Version
2021v4.2
Gross Receipts
$1,568,104
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.

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$39,491,960$41,312,853▲ $1,820,893
Savings and Temporary Cash Investments$17,564,784$21,715,097▲ $4,150,313
Rtn Earn Endowment Incm Other Fnds$4,010,574$3,988,630▼ $21,944
Cash and Non-Interest-Bearing Accounts$558,299$592,755▲ $34,456
Land, Buildings, and Equipment, Net$114,692$101,617▼ $13,075
Prepaid Expenses and Deferred Charges$78,105$70,943▼ $7,162
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$58,107,908$63,973,981▲ $5,866,073
Other Assets Total$300,068$180,716▼ $119,352
Liabilities
Other Liabilities$53,753,471$59,741,334▲ $5,987,863
Accounts Payable and Accrued Expenses$343,863$244,017▼ $99,846
Total Liabilities$54,097,334$59,985,351▲ $5,888,017
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,010,574$3,988,630▼ $21,944
Total Liabilities and Net Assets / Fund Balance$58,107,908$63,973,981▲ $5,866,073

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$26,828$666,413$693,241
Leasehold Improvements$57,054$253,548$310,602
Other Land Buildings$17,735$27,187$44,922
Investment Program Related Org$748,000--
Compensation and Service Providers
Top Officer Pay14th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Marilyn Van DolsonPresident/treasurerFT$85,717$12,873$98,590

Board Members and Trustees

NameTitle
Sherrilyn RothChairman
Daniel MadridSupv Cmte Chairman
Jeff VenessVice Chairman
Chris WhiteBoard Member
Curtis ChurchBoard Member
Gary GalushaBoard Member
Michael GrimesBoard Member
Amanda GranadosSupv Cmte Member
Mark PaciniSupv Cmte Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,514,781
Investment Income
$53,323
Other Revenue
$0
Change in Net Assets
$-21,944

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,568,104
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$1,568,104
Total Revenue per Form 990
$1,568,104
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$837,455
Salaries, Compensation, and Employee Benefits$752,593
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$528,537
Fees for Services Other---$218,187
Office Expenses---$155,045
Occupancy---$127,595
Information Technology---$118,597
Other Employee Benefits---$86,810
Current Officers, Directors, Trustees, and Key Employees---$85,717
Payroll Taxes---$51,529
Insurance---$40,017
Fees for Services Accounting---$38,000
Interest---$36,094
Depreciation Depletion---$20,712
Advertising---$15,812
Travel---$14,839
Other Expenses---$6,907
Total Functional Expenses$0$0$0$1,590,048

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,590,048
Total Expenses per Audited Statements$1,590,048
Total Expenses per Form 990$1,590,048
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Total Shares & Deposits$59,738,453
Accrued Dividends and Interest Payable$2,881
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“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.”

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

“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.”

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. Member votes are also required to ratify decisions dealing with reorganizations as in the case of merger or dissolution.”

Form 990, Part VI, Section B, Line 11B

“Each board member received a completed draft of the form 990 for review prior to filing.”

Form 990, Part VI, Section B, Line 12

“The board, staff & management of the organization review the conflict of interest policy and acknowledge compliance on an annual basis.”

Form 990, Part VI, Section B, Line 15

“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.”

Form 990, Part VI, Section C, Line 19

“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.”

Filing and Contact Details

Filer

Filer Name
Silverado Credit Union
EIN
94-1276845
Phone
7079652483
Address
PO BOX 330, ANGWIN, CA 94508

Signing Officer

Name
Marilyn Van Dolson
Title
President/treasurer
Phone
7079652483
Signed
2022-09-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Marilyn Van Dolson
Formed
1979
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
6
Employees
21
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

“Professional and outside services 218,187.”

FORM 990, PART XII, LINE 2C:

“The organization has not changed either its oversight process or selection process during the tax year.”

Financial Statement Notes

PART X, LINE 2:

“Accounting for uncertainty in income taxes was issued to create a single model to address accounting for uncertainty in tax positions. This standard clarifies the accounting for income taxes by prescribing a minimum recognition threshold a tax position is required to meet before being recognized in the financial statements. This standard also provides guidance on de-recognition, measurement, classification, interest and penalties, disclosure and transition. The credit union adopted that standard on october 1, 2009. As result of the implementation of this standard, the credit union did not recognize any liability for any liability for uncertainty in tax positions.”

Schedule-D, Part XIII

“The credit union is exempt, by statue, from federal and state income taxes. However, the credit union is subject to unrelated business income tax(ubit). The credit union is a tax-exempt entity under internal revenue code 501(c)(14), but may be subject to taxation on income unrelated to the credit union's exempt function.state chartered credit union should pay income tax on certain types of net taxable income from activities that taxing authorities consider unrelated to the purpose for which the cedit union was granted non-taxable status. The credit union has filed ubit returns(990-t) in the past, which was resulted in no income taxes paid for the year ended december 31,2021 and 2020.”

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IRS990/MissionDesc0A 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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt04010574
IRS990/NetAssetsOrFundBalancesEOYAmt03988630
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0127595
IRS990/OfficeExpensesGrp/TotalAmt0155045
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0300068
IRS990/OtherAssetsTotalGrp/EOYAmt0180716
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt086810
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1MISC. OPERATING EXPENSE
IRS990/OtherExpensesGrp/Desc2OPERATING FEES
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt021082
IRS990/OtherExpensesGrp/TotalAmt116144
IRS990/OtherExpensesGrp/TotalAmt28424
IRS990/OtherExpensesGrp/TotalAmt36907
IRS990/OtherLiabilitiesGrp/BOYAmt053753471
IRS990/OtherLiabilitiesGrp/EOYAmt059741334
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt0528537
IRS990/OtherWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt051529
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt078105
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt070943
IRS990/PrincipalOfficerNm0MARILYN VAN DOLSON
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN SERVICE REVENUE
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01252904
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1257148
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01257633
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1257148
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt04729
IRS990/ProgSrvcAccomActy2Grp/Desc0ACHIEVED 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/ProgSrvcAccomActy3Grp/Desc0ACHIEVED SATISFACTORY RESULTS IN PROVIDING MEMBERS WITH MORTGAGE LOANS, INCLUDING FIRST TRUST DEEDS, SECOND TRUST DEEDS AND HOME EQUITY LINES OF CREDIT.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt078849
IRS990/PYOtherExpensesAmt0839355
IRS990/PYOtherRevenueAmt014860
IRS990/PYProgramServiceRevenueAmt01616015
IRS990/PYRevenuesLessExpensesAmt069332
IRS990/PYSalariesCompEmpBnftPaidAmt0801037
IRS990/PYTotalExpensesAmt01640392
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01709724
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0-21944
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04010574
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03988630
IRS990/SavingsAndTempCashInvstGrp/BOYAmt017564784
IRS990/SavingsAndTempCashInvstGrp/EOYAmt021715097
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt026828
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0666413
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0693241
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt01590048
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt03934080
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt136037077
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2486757
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt3106939
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt4748000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0DEPOSITS IN COMMERCIAL BANKS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1LOANS AND LEASES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3PAID IN CAPITAL AT CORP CUS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4LOANS TO AND INVESTMENTS IN NATURAL PERSON CU
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt057054
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0253548
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0310602
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt017735
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt027187
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt044922
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt059738453
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt12881
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0TOTAL SHARES & DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED DIVIDENDS AND INTEREST PAYABLE
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt01568104
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES WAS ISSUED TO CREATE A SINGLE MODEL TO ADDRESS ACCOUNTING FOR UNCERTAINTY IN TAX POSITIONS. THIS STANDARD CLARIFIES THE ACCOUNTING FOR INCOME TAXES BY PRESCRIBING A MINIMUM RECOGNITION THRESHOLD A TAX POSITION IS REQUIRED TO MEET BEFORE BEING RECOGNIZED IN THE FINANCIAL STATEMENTS. THIS STANDARD ALSO PROVIDES GUIDANCE ON DE-RECOGNITION, MEASUREMENT, CLASSIFICATION, INTEREST AND PENALTIES, DISCLOSURE AND TRANSITION. THE CREDIT UNION ADOPTED THAT STANDARD ON OCTOBER 1, 2009. AS RESULT OF THE IMPLEMENTATION OF THIS STANDARD, THE CREDIT UNION DID NOT RECOGNIZE ANY LIABILITY FOR ANY LIABILITY FOR UNCERTAINTY IN TAX POSITIONS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS EXEMPT, BY STATUE, FROM FEDERAL AND STATE INCOME TAXES. HOWEVER, THE CREDIT UNION IS SUBJECT TO UNRELATED BUSINESS INCOME TAX(UBIT). THE CREDIT UNION IS A TAX-EXEMPT ENTITY UNDER INTERNAL REVENUE CODE 501(C)(14), BUT MAY BE SUBJECT TO TAXATION ON INCOME UNRELATED TO THE CREDIT UNION'S EXEMPT FUNCTION.STATE CHARTERED CREDIT UNION SHOULD PAY INCOME TAX ON CERTAIN TYPES OF NET TAXABLE INCOME FROM ACTIVITIES THAT TAXING AUTHORITIES CONSIDER UNRELATED TO THE PURPOSE FOR WHICH THE CEDIT UNION WAS GRANTED NON-TAXABLE STATUS. THE CREDIT UNION HAS FILED UBIT RETURNS(990-T) IN THE PAST, WHICH WAS RESULTED IN NO INCOME TAXES PAID FOR THE YEAR ENDED DECEMBER 31,2021 AND 2020.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE-D, PART XIII
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0101617
IRS990ScheduleD/TotalBookValueProgramRltdAmt041312853
IRS990ScheduleD/TotalExpensesPerForm990Amt01590048
IRS990ScheduleD/TotalLiabilityAmt059741334
IRS990ScheduleD/TotalRevenuePerForm990Amt01568104
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01568104
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01590048
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SILVERADO 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/SupplementalInformationDetail/ExplanationTxt1THE 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/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. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3EACH BOARD MEMBER RECEIVED A COMPLETED DRAFT OF THE FORM 990 FOR REVIEW PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD, STAFF & MANAGEMENT OF THE ORGANIZATION REVIEW THE CONFLICT OF INTEREST POLICY AND ACKNOWLEDGE COMPLIANCE ON AN ANNUAL BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE 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/SupplementalInformationDetail/ExplanationTxt6THE 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/SupplementalInformationDetail/ExplanationTxt7PROFESSIONAL AND OUTSIDE SERVICES 218,187.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR.
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 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt058107908
IRS990/TotalAssetsEOYAmt063973981
IRS990/TotalAssetsGrp/BOYAmt058107908
IRS990/TotalAssetsGrp/EOYAmt063973981
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt021
IRS990/TotalFunctionalExpensesGrp/TotalAmt01590048
IRS990/TotalGrossUBIAmt04729
IRS990/TotalLiabilitiesBOYAmt054097334
IRS990/TotalLiabilitiesEOYAmt059985351
IRS990/TotalLiabilitiesGrp/BOYAmt054097334
IRS990/TotalLiabilitiesGrp/EOYAmt059985351
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04010574
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03988630
IRS990/TotalOtherCompensationAmt012873
IRS990/TotalProgramServiceRevenueAmt01514781
IRS990/TotalReportableCompFromOrgAmt085717
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01563375
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01568104
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt04729
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt058107908
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt063973981
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt014839
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 330
IRS990/USAddress/CityNm0ANGWIN
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd094508
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.SILVERADOCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd03
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0MARILYN VAN DOLSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum07079652483
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-09-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SILVERADO CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SILV
ReturnHeader/Filer/EIN0941276845
ReturnHeader/Filer/PhoneNum07079652483
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 330
ReturnHeader/Filer/USAddress/CityNm0ANGWIN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd094508
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0954083485
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0TURNER WARREN HWANG & CONRAD ACCTCY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0100 NORTH FIRST ST STE 202
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BURBANK
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd091502
ReturnHeader/PreparerPersonGrp/PhoneNum08189549700
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0VALENTINO CREUS CPA

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$63,973,981
Liabilities
$59,985,351
Net assets
$3,988,630
Revenue
$1,568,104
Expenses
$1,590,048
Net income
-$21,944
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$57.3$51.9$5.34$2.58$2.13$0.45
2023Detailed filing. Detailed filing data is available for this year.$56.5$51.6$4.89$2.40$1.75$0.65
2022Detailed filing. Detailed filing data is available for this year.$62.7$58.5$4.24$1.86$1.61$0.25
2021Detailed filing. Detailed filing data is available for this year.$64.0$60.0$3.99$1.57$1.59$0.02
2020Detailed filing. Detailed filing data is available for this year.$58.1$54.1$4.01$1.71$1.64$0.07
2019Detailed filing. Detailed filing data is available for this year.$43.9$39.9$3.94$1.86$1.69$0.17
2018Detailed filing. Detailed filing data is available for this year.$45.8$42.1$3.77$1.87$1.59$0.27
2017Detailed filing. Detailed filing data is available for this year.$46.4$42.9$3.49$1.78$1.52$0.27
2016Detailed filing. Detailed filing data is available for this year.$41.5$38.3$3.23$1.52$1.49$0.03
2015Detailed filing. Detailed filing data is available for this year.$41.3$38.1$3.20$1.52$1.54$0.02
2014Detailed filing. Detailed filing data is available for this year.$41.4$38.2$3.21$1.65$1.53$0.12
2013Detailed filing. Detailed filing data is available for this year.$41.9$38.8$3.10$1.59$1.58$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$42.4$39.4$3.08$1.81
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.3$40.1$3.11$2.08
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.2$42.9$3.31$2.13