Civic Intelligence

Credit Unions in the State of California

990 • Fiscal year 2011 • EIN 94-1384575

Jan 01, 2011 to Dec 31, 2011 • Filed on Mar 29, 2012

Organization Profilewww.valleyoak.org

View Organization Page

40870 Sierra Drive93271
Siviq Scores

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

Liabilities / Assets

5th percentile

0.00x

Higher debt load relative to assets than 5% of similar nonprofits.

2011 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

5th percentile

-6.1%

Faster asset growth than 5% of similar nonprofits.

2011 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets5th percentile

Assets

Down

$47,142,991

Down $3,074,982 (-6.1%) from 2010

Net Assets

Down

$46,919,951

Down $3,082,967 (-6.2%) from 2010

Liabilities

Up

$223,040

Up $7,985 (+3.7%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$3,096,191

Up $183,504 (+6.3%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth5th percentile

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

$80M$60M$40M$20M$0-$20MAssets 2010: $50,217,973Liabilities 2010: $215,055Net Assets 2010: $50,002,9182010Assets 2011: $47,142,991Liabilities 2011: $223,040Net Assets 2011: $46,919,9512011Assets 2012: $46,704,810Liabilities 2012: $441,559Net Assets 2012: $46,263,2512012Assets 2013: $45,276,148Liabilities 2013: $300,699Net Assets 2013: $44,975,4492013Assets 2014: $46,331,038Liabilities 2014: $290,810Net Assets 2014: $46,040,2282014Assets 2015: $49,745,306Liabilities 2015: $225,205Net Assets 2015: $49,520,1012015Assets 2016: $50,790,578Liabilities 2016: $157,014Net Assets 2016: $50,633,5642016Assets 2017: $52,435,353Liabilities 2017: $611,156Net Assets 2017: $51,824,1972017Assets 2018: $51,241,207Liabilities 2018: -$284,283Net Assets 2018: $51,525,4902018Assets 2019: $51,766,088Liabilities 2019: $247,985Net Assets 2019: $51,518,1032019Assets 2020: $63,313,857Liabilities 2020: $375,915Net Assets 2020: $62,937,9422020Assets 2021: $75,188,148Liabilities 2021: $302,901Net Assets 2021: $74,885,2472021Assets 2022: $76,265,916Liabilities 2022: $70,981,119Net Assets 2022: $5,284,7972022Assets 2023: $78,284,383Liabilities 2023: $72,942,694Net Assets 2023: $5,341,6892023Assets 2024: $78,163,678Liabilities 2024: $72,925,398Net Assets 2024: $5,238,2802024

Highlighted filing

2011

Assets$47,142,991
Liabilities$223,040
Net Assets$46,919,951
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $2,912,6872010Expenses 2011: $3,096,1912011Expenses 2012: $2,655,1712012Revenue 2013: $3,019,332Expenses 2013: $2,765,535Net Income 2013: $253,7972013Revenue 2014: $2,694,651Expenses 2014: $2,900,270Net Income 2014: -$205,6192014Revenue 2015: $2,883,057Expenses 2015: $2,843,236Net Income 2015: $39,8212015Revenue 2016: $3,220,236Expenses 2016: $3,254,347Net Income 2016: -$34,1112016Revenue 2017: $3,188,490Expenses 2017: $3,480,184Net Income 2017: -$291,6942017Revenue 2018: $3,265,608Expenses 2018: $3,169,602Net Income 2018: $96,0062018Revenue 2019: $2,895,994Expenses 2019: $2,778,912Net Income 2019: $117,0822019Revenue 2020: $2,642,912Expenses 2020: $2,571,248Net Income 2020: $71,6642020Revenue 2021: $2,690,668Expenses 2021: $2,215,676Net Income 2021: $474,9922021Revenue 2022: $3,336,376Expenses 2022: $2,527,554Net Income 2022: $808,8222022Revenue 2023: $3,793,173Expenses 2023: $3,623,070Net Income 2023: $170,1032023Revenue 2024: $4,101,428Expenses 2024: $4,283,435Net Income 2024: -$182,0072024

Highlighted filing

2011

Revenue-
Expenses$3,096,191
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Mar 29, 2012
Return Version
2011v1.2
Gross Receipts
$2,840,518
Mission and Program Overview

Mission

To provide affordable banking products through excellent member service and well-trained professional staff to our members and the communities we serve.

Major Activities

Activity 2
*CODE 522100 - Debit Card Program Expenses $191,182 Revenue $289,787Card program - offer membership additional product with share drafts.
Activity 3
*CODE 522291 - Loan Program Expense $117,748 Revenue $1,762,031Main focus of member loans on new and used autos and other consumer loans,Note: Expense excludes loan loss provision - Revenue only includes loan interest income.
Filing and Contact Details

Filer

EIN
94-1384575
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IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0Completed Fin 48 footnote - no potential tax liability
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation1see statement attached $ -2827294
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IRS990ScheduleO/GeneralExplanation/Explanation0Net change in assets variance mainly due to net Loan balance reduction for 2011. Change amount (2,827,294)
IRS990ScheduleO/GeneralExplanation/Explanation1Current month "Statement of Condition" and "Income Statement" posted at each branch location available for member review. Other documents available upon request.
IRS990ScheduleO/GeneralExplanation/Explanation2Current month's "Statement of Condition" and "Income Statement" posted at each branch location and is available for member's review. Other documents are available upon request.
IRS990ScheduleO/GeneralExplanation/Explanation3CEO under yearly contract which performance reviewed within contract guidelines by board. Other key employees performance evaluation by CEO at employee annual calendar anniversary date. Key employee compensation payrate determined by factors using performance pro software.
IRS990ScheduleO/GeneralExplanation/Explanation4Process of organizational review of 990 report - board approved report at monthly meeting once completed by CFO. After board approval, CFO sends to IRS.
IRS990ScheduleO/GeneralExplanation/Explanation5OTHER PROGRAM SERVICES 4: *CODE 522100 - Share Draft Program Expenses $101,162 Revenue $283,090Offering members 4 types of checking accounts with additional services such as courtesy pay, overdraft protections, and debit card options.Note: Revenue includes courtesy pay, NSF and overdraft fees.
IRS990ScheduleO/GeneralExplanation/Identifier0Form 990, Part VI, Line 19
IRS990ScheduleO/GeneralExplanation/Identifier1Form 990, Part VI, Line 15b
IRS990ScheduleO/GeneralExplanation/Identifier2Form 990, Part VI, Line 11
IRS990ScheduleO/GeneralExplanation/Identifier3Form 990, Part III, Line 4d
IRS990ScheduleO/GeneralExplanation/ReturnReference0Part XI line 5
IRS990ScheduleO/GeneralExplanation/ReturnReference1Part VI Line 19
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Line 11: Form 990 Review Process
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part III, Line 4d : Other Program Services Description
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IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode093271
IRS990/TheBooksAreInCareOf/NamePerson0Barry Proctor
IRS990/TheBooksAreInCareOf/TelephoneNumber05595611420
IRS990/TotalAssets/BOY050217973
IRS990/TotalAssetsBOY050217973
IRS990/TotalAssets/EOY047142991
IRS990/TotalAssetsEOY047142991
IRS990/TotalCompGT150K0false
IRS990/TotalContributions00
IRS990/TotalExpensesCurrentYear03096191
IRS990/TotalExpensesPriorYear02912687
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral0217044
IRS990/TotalFunctionalExpenses/ProgramServices0672305
IRS990/TotalFunctionalExpenses/Total03096191
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI045687
IRS990/TotalLiabilities/BOY0215055
IRS990/TotalLiabilitiesBOY0215055
IRS990/TotalLiabilities/EOY0223040
IRS990/TotalLiabilitiesEOY0223040
IRS990/TotalLiabNetAssetsFundBalances/BOY050217973
IRS990/TotalLiabNetAssetsFundBalances/EOY047142991
IRS990/TotalNbrEmployees028
IRS990/TotalNbrVolunteers03
IRS990/TotalNetAssetsFundBalances/BOY050002918
IRS990/TotalNetAssetsFundBalances/EOY046919951
IRS990/TotalOfOtherProgramServiceExp0101162

Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$47,142,991
Liabilities
$223,040
Net assets
$46,919,951
Revenue
-
Expenses
$3,096,191
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$78.2$72.9$5.24$4.10$4.28$0.18
2023Detailed filing. Detailed filing data is available for this year.$78.3$72.9$5.34$3.79$3.62$0.17
2022Detailed filing. Detailed filing data is available for this year.$76.3$71.0$5.28$3.34$2.53$0.81
2021Detailed filing. Detailed filing data is available for this year.$75.2$0.30$74.9$2.69$2.22$0.47
2020Detailed filing. Detailed filing data is available for this year.$63.3$0.38$62.9$2.64$2.57$0.07
2019Detailed filing. Detailed filing data is available for this year.$51.8$0.25$51.5$2.90$2.78$0.12
2018Detailed filing. Detailed filing data is available for this year.$51.2$0.28$51.5$3.27$3.17$0.10
2017Detailed filing. Detailed filing data is available for this year.$52.4$0.61$51.8$3.19$3.48$0.29
2016Detailed filing. Detailed filing data is available for this year.$50.8$0.16$50.6$3.22$3.25$0.03
2015Detailed filing. Detailed filing data is available for this year.$49.7$0.23$49.5$2.88$2.84$0.04
2014Detailed filing. Detailed filing data is available for this year.$46.3$0.29$46.0$2.69$2.90$0.21
2013Detailed filing. Detailed filing data is available for this year.$45.3$0.30$45.0$3.02$2.77$0.25
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.7$0.44$46.3$2.66
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$47.1$0.22$46.9$3.10
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.2$0.22$50.0$2.91