Civic Intelligence

Credit Unions in the State of California

990 • Fiscal year 2012 • EIN 94-1384575

Jan 01, 2012 to Dec 31, 2012 • Filed on Aug 12, 2013

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

8th percentile

0.01x

Higher debt load relative to assets than 8% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

14th percentile

-0.9%

Faster asset growth than 14% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets8th percentile

Assets

Down

$46,704,810

Down $438,181 (-0.9%) from 2011

Net Assets

Down

$46,263,251

Down $656,700 (-1.4%) from 2011

Liabilities

Up

$441,559

Up $218,519 (+98%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$2,655,171

Down $441,020 (-14%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth14th 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

2012

Assets$46,704,810
Liabilities$441,559
Net Assets$46,263,251
Open 2012 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

2012

Revenue-
Expenses$2,655,171
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Aug 12, 2013
Return Version
2012v2.0
Gross Receipts
$2,624,716
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 - Dividend Expense $165,429 Revenue $4,000 Grant $4,000Dividend expense for deposits from membership thru share certificates, money market accounts, shares and share draft program.
Activity 3
*CODE 522291 - Loan Program Expense $113,709 Revenue $1,657,340 Grant $11,700Main 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
Raw XML AppendixShowing 400 of 480 raw XML fields

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IRS990ScheduleL/LoanTable/NamePerson0Leticia Avila
IRS990ScheduleL/LoanTable/NamePerson1Leticia Avila
IRS990ScheduleL/LoanTable/NamePerson2Elizabeth Jones
IRS990ScheduleL/LoanTable/NamePerson3Kiersten Vaughan
IRS990ScheduleL/LoanTable/NamePerson4Elizabeth Jones
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IRS990ScheduleO/GeneralExplanation/Explanation0Net change in assets variance mainly due to Temporary cash investment reduction offset by net loan balance increase for 2012. Change amount (438,181)
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/Explanation2No Changes from previous year
IRS990ScheduleO/GeneralExplanation/Explanation3= -$626245
IRS990ScheduleO/GeneralExplanation/Explanation4Current 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/Explanation5CEO 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/Explanation6Process 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/Explanation7OTHER PROGRAM SERVICES 4: *CODE 522100 - Share Draft Program Expenses $104,455 Revenue $230,794 Grant $0Offering 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 XII, Line 2c
IRS990ScheduleO/GeneralExplanation/Identifier1Form 990, Part XI, Line 9
IRS990ScheduleO/GeneralExplanation/Identifier2Form 990, Part VI, Line 19
IRS990ScheduleO/GeneralExplanation/Identifier3Form 990, Part VI, Line 15b
IRS990ScheduleO/GeneralExplanation/Identifier4Form 990, Part VI, Line 11b
IRS990ScheduleO/GeneralExplanation/Identifier5Form 990, Part III, Line 4d
IRS990ScheduleO/GeneralExplanation/ReturnReference0Part XI line 5
IRS990ScheduleO/GeneralExplanation/ReturnReference1Part VI Line 19
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part XII, Line 2: Change of Oversight or Selection Process
IRS990ScheduleO/GeneralExplanation/ReturnReference3Other Changes In Net Assets Or Fund Balances - Other Decreases
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/GeneralExplanation/ReturnReference7Form 990, Part III, Line 4d: Other Program Services Description

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$46,704,810
Liabilities
$441,559
Net assets
$46,263,251
Revenue
-
Expenses
$2,655,171
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