Civic Intelligence

Credit Unions in the State of California

990 • Fiscal year 2015 • EIN 94-1384575

Jan 01, 2015 to Dec 31, 2015 • Filed on Jun 26, 2016

Organization Profilewww.valleyoak.org

View Organization Page

40870 Sierra DriveThree Rivers, CA 93271

(559) 561-1420

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.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

3rd percentile

0.08x

Higher debt load relative to revenue than 3% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

23rd percentile

1.4%

Higher net margin than 23% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

65th percentile

$110,113

Higher top officer pay than 65% of similar nonprofits.

Top officer pay equals 3.8% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

83rd percentile

7.4%

Faster asset growth than 83% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

80th percentile

7.0%

Faster revenue growth than 80% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets5th percentile

Assets

Up

$49,745,306

Up $3,414,268 (+7.4%) from 2014

Net Assets

Up

$49,520,101

Up $3,479,873 (+7.6%) from 2014

Liabilities

Down

$225,205

Down $65,605 (-23%) from 2014

Revenue And Expenses
Liabilities / Revenue3rd percentileNet Margin23rd percentile

Revenue

Up

$2,883,057

Up $188,406 (+7.0%) from 2014

Expenses

Down

$2,843,236

Down $57,034 (-2.0%) from 2014

Net Income

Up

$39,821

Up $245,440 (+119%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth83rd 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

2015

Assets$49,745,306
Liabilities$225,205
Net Assets$49,520,101
Open 2015 Filing

Operations Trend

Revenue Growth80th percentile

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

2015

Revenue$2,883,057
Expenses$2,843,236
Net Income$39,821
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jun 26, 2016
Return Version
2015v2.0
Gross Receipts
$2,886,331
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.

To provide excellent member service through well trained professional personnel by offering good loan rates and a safe-haven for deposits.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$41,051,193$44,491,245▲ $3,440,052
Other Notes and Loans Receivable, Net$32,506,057$36,611,334▲ $4,105,277
Savings and Temporary Cash Investments$9,663,462$8,475,718▼ $1,187,744
Rtn Earn Endowment Incm Other Fnds$4,989,035$5,028,856▲ $39,821
Land, Buildings, and Equipment, Net$2,485,704$2,447,285▼ $38,419
Cash and Non-Interest-Bearing Accounts$782,771$1,131,285▲ $348,514
Prepaid Expenses and Deferred Charges$242,027$340,564▲ $98,537
Accounts Receivable$40,552$76,654▲ $36,102
Receivables From Officers Etc$6,814$6,869▲ $55
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$46,331,038$49,745,306▲ $3,414,268
Other Assets Total$603,651$655,597▲ $51,946
Liabilities
Accounts Payable and Accrued Expenses$290,810$225,205▼ $65,605
Total Liabilities$290,810$225,205▼ $65,605
Net Assets / Fund Balance
Total Net Assets Fund Balance$46,040,228$49,520,101▲ $3,479,873
Total Liabilities and Net Assets / Fund Balance$46,331,038$49,745,306▲ $3,414,268

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,014,820$283,756-
Land$280,193--
Equipment$152,270$860,652-
Leasehold Improvements$2$5,808-
Compensation and Service Providers
Top Officer Pay65th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Alan CortumCEOFT$110,113$110,113
Kiersten VaughanVice PresidentFT$66,574$66,574
Paul SchieleCFOFT$64,880$64,880

Board Members and Trustees

NameTitle
Frederick ChappellChairman
Saul SalmonDirector
Michael GunningSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,610,300
Investment Income
$74,856
Other Revenue
$197,901
Change in Net Assets
$39,821
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,539,439
Salaries, Compensation, and Employee Benefits$1,193,456
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$738,551
Information Technology$370,609$226,051-$596,660
Current Officers, Directors, Trustees, and Key Employees---$241,567
Office Expenses---$238,910
Occupancy---$133,637
Other Employee Benefits---$111,670
Benefits to Members$110,341--$110,341
Payroll Taxes---$82,260
Advertising---$56,921
Insurance---$56,781
Other Expenses$113,810--$52,798
Depreciation Depletion---$48,941
Fees for Services Accounting---$35,965
Travel---$34,457
Pension Plan Contributions---$19,408
Fees for Services Legal---$6,664
Total Functional Expenses$594,760$226,051$0$2,843,236
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$6,814$6,869▲ $55
Receivables from Disqualified Persons-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
No
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

“Process of organizational review of 990 report - board approved report at monthly meeting once completed by CFO. After board approval, CFO sends to IRS.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“CEO 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.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Current 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.”

Part VI Line 19

“Current month "Statement of Condition" and "Income Statement" posted at each branch location available for member review. Other documents available upon request.”

Filing and Contact Details

Filer

Filer Name
Valley Oak Credit Union
EIN
94-1384575
Phone
5595611420
Address
40870 Sierra Drive, Three Rivers, CA 93271

Signing Officer

Name
Paul Schiele
Title
CFO
Signed
2016-06-26

Organization Details

Formed
1944
Legal Domicile
CA
Voting Board Members
4
Independent Board Members
4
Employees
31
Volunteers
3
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 4D: Other Program Services Description

“OTHER PROGRAM SERVICES 4: *CODE 522100 - Share Draft Program Expenses $120,480 Revenue $262,462 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.”

Other Changes In Net Assets Or Fund Balances - Other Increases

“270 = $3440052”

Form 990, Part XII, Line 2: Change of Oversight or Selection Process

“No Changes from previous year”

Part XI line 5

“Net change in assets variance mainly due to increas in member loan balances and cash on hand offset by decreases in investment balances. Change amount (3,440,002)”

Financial Statement Notes

Part X : FIN48 Footnote

“Completed Fin 48 footnote - no potential tax liability”

Raw XML AppendixShowing 400 of 407 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.

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IRS990/PayrollTaxesGrp/TotalAmt082260
IRS990/PensionPlanContributionsGrp/TotalAmt019408
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0242027
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0340564
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0Debit / ATM
IRS990/ProgramServiceRevenueGrp/Desc1Loans Interest
IRS990/ProgramServiceRevenueGrp/Desc2Share Draft
IRS990/ProgramServiceRevenueGrp/Desc3Shares
IRS990/ProgramServiceRevenueGrp/Desc4Visa Program
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0261518
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12076020
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2222281
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt340181
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0271818
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12076020
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2222281
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt340181
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt010300
IRS990/ProgSrvcAccomActy2Grp/Desc0*CODE 522100 - Share Draft Program Expenses $120,480 Revenue $262,462 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.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0120480
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0262462
IRS990/ProgSrvcAccomActy3Grp/Desc0*CODE 522291 - Loan Program Expense $113,810 Revenue $2,076,020 Grant $0Main 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.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0113810
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt02076020
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0120884
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt062598
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01617220
IRS990/PYOtherRevenueAmt0175951
IRS990/PYProgramServiceRevenueAmt02456102
IRS990/PYRevenuesLessExpensesAmt0-205619
IRS990/PYSalariesCompEmpBnftPaidAmt01162166
IRS990/PYTotalExpensesAmt02900270
IRS990/PYTotalRevenueAmt02694651
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt06814
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt06869
IRS990/ReconcilationRevenueExpnssAmt039821
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0271818
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04989035
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05028856
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09663462
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08475718
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt02014820
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0283756
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt02298576
IRS990ScheduleD/EquipmentGrp/BookValueAmt0152270
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0860652
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt01012922
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0280193
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0280193
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt02
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt05808
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt05810
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Completed Fin 48 footnote - no potential tax liability
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X : FIN48 Footnote
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02447285
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt06869
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Visa
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt07000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Kiersten Vaughan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Officer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/TotalBalanceDueAmt06869
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0OTHER PROGRAM SERVICES 4: *CODE 522100 - Share Draft Program Expenses $120,480 Revenue $262,462 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/SupplementalInformationDetail/ExplanationTxt1Process of organizational review of 990 report - board approved report at monthly meeting once completed by CFO. After board approval, CFO sends to IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CEO 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/SupplementalInformationDetail/ExplanationTxt3Current 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/SupplementalInformationDetail/ExplanationTxt4270 = $3440052
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5No Changes from previous year
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Current month "Statement of Condition" and "Income Statement" posted at each branch location available for member review. Other documents available upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Net change in assets variance mainly due to increas in member loan balances and cash on hand offset by decreases in investment balances. Change amount (3,440,002)
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part III, Line 4d: Other Program Services Description
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other Changes In Net Assets Or Fund Balances - Other Increases
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part XII, Line 2: Change of Oversight or Selection Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Part VI Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Part XI line 5
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt046331038
IRS990/TotalAssetsEOYAmt049745306
IRS990/TotalAssetsGrp/BOYAmt046331038
IRS990/TotalAssetsGrp/EOYAmt049745306
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt031
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0226051
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0594760
IRS990/TotalFunctionalExpensesGrp/TotalAmt02843236
IRS990/TotalGrossUBIAmt041052
IRS990/TotalLiabilitiesBOYAmt0290810
IRS990/TotalLiabilitiesEOYAmt0225205
IRS990/TotalLiabilitiesGrp/BOYAmt0290810
IRS990/TotalLiabilitiesGrp/EOYAmt0225205
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt046040228
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt049520101
IRS990/TotalOtherProgSrvcExpenseAmt0110341
IRS990/TotalProgramServiceExpensesAmt0594760
IRS990/TotalProgramServiceRevenueAmt02610300
IRS990/TotalReportableCompFromOrgAmt0241567
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02842005
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02883057
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt041052
IRS990/TotalVolunteersCnt03
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt046331038
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt049745306
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt034457
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0www.valleyoak.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Paul Schiele
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CFO
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-06-26
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Valley Oak Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0VALL
ReturnHeader/Filer/EIN0941384575
ReturnHeader/Filer/PhoneNum05595611420
ReturnHeader/Filer/USAddress/AddressLine1Txt040870 Sierra Drive
ReturnHeader/Filer/USAddress/CityNm0Three Rivers

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$49,745,306
Liabilities
$225,205
Net assets
$49,520,101
Revenue
$2,883,057
Expenses
$2,843,236
Net income
$39,821
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