Civic Intelligence

Dow Great Western Credit Union

EIN 94-1417215 • 501(c)14 • Antioch, CA

View Organization Page

Profile

The credit union provide thrift savings, borrowing and financial services to members of a member owned cooperative financial institution. The credit union provides overall activity; that being financial cooperative providing thrift savings, borrowing and other financial services to our members/owners. Number of members/owners at 12/31/23 was 2,027 with 2,766 loans totaling $25,790,039 and with 4,070 share deposit accounts totaling $43,702,349.

3457 Deer Valley RoadAntioch, CA 94531

www.dowcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

95th percentile

0.93x

Higher debt load relative to assets than 95% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

78th percentile

20.15x

Higher debt load relative to revenue than 78% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

12th percentile

-7.6%

Higher net margin than 12% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

94th percentile

$273,384

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 12.5% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

41st percentile

-0.3%

Faster asset growth than 41% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

51st percentile

9.3%

Faster revenue growth than 51% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets95th percentile

Assets

Down

$47,260,247

Down $152,964 (-0.3%) from 2023

Liabilities

Down

$43,942,687

Down $170,218 (-0.4%) from 2023

Net Assets

Up

$3,317,560

Up $17,254 (+0.5%) from 2023

Operations
Liabilities / Revenue78th percentileNet Margin12th percentile

Revenue

Up

$2,181,139

Up $186,304 (+9.3%) from 2023

Expenses

Up

$2,347,036

Up $323,471 (+16%) from 2023

Net Income

Down

-$165,897

Down $137,167 (-477%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth41st percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$60M$40M$20M$0Assets 2010: $37,007,881Liabilities 2010: $33,076,756Net Assets 2010: $3,931,1252010Assets 2011: $38,439,453Liabilities 2011: $34,522,011Net Assets 2011: $3,917,4422011Assets 2012: $39,020,853Liabilities 2012: $35,172,996Net Assets 2012: $3,847,8572012Assets 2013: $38,962,990Liabilities 2013: $34,981,605Net Assets 2013: $3,981,3852013Assets 2014: $39,184,089Liabilities 2014: $35,079,070Net Assets 2014: $4,105,0192014Assets 2015: $41,722,704Liabilities 2015: $37,428,519Net Assets 2015: $4,294,1852015Assets 2016: $45,612,762Liabilities 2016: $40,983,960Net Assets 2016: $4,628,8022016Assets 2017: $47,456,139Liabilities 2017: $42,707,637Net Assets 2017: $4,748,5022017Assets 2018: $45,208,736Liabilities 2018: $40,280,443Net Assets 2018: $4,928,2932018Assets 2019: $45,211,707Liabilities 2019: $40,181,055Net Assets 2019: $5,030,6522019Assets 2020: $50,007,776Liabilities 2020: $45,204,014Net Assets 2020: $4,803,7622020Assets 2021: $56,104,925Liabilities 2021: $51,405,380Net Assets 2021: $4,699,5452021Assets 2022: $51,207,764Liabilities 2022: $48,069,039Net Assets 2022: $3,138,7252022Assets 2023: $47,413,211Liabilities 2023: $44,112,905Net Assets 2023: $3,300,3062023Assets 2024: $47,260,247Liabilities 2024: $43,942,687Net Assets 2024: $3,317,5602024

Highlighted filing

2024

Assets$47,260,247
Liabilities$43,942,687
Net Assets$3,317,560
Open 2024 Filing

Operations Trend

Revenue Growth51st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,135,1142010Expenses 2011: $1,993,8282011Expenses 2012: $1,500,9642012Revenue 2013: $1,444,199Expenses 2013: $1,330,256Net Income 2013: $113,9432013Revenue 2014: $1,384,795Expenses 2014: $1,530,761Net Income 2014: -$145,9662014Revenue 2015: $1,369,648Expenses 2015: $1,180,482Net Income 2015: $189,1662015Revenue 2016: $1,410,996Expenses 2016: $1,076,379Net Income 2016: $334,6172016Revenue 2017: $1,424,534Expenses 2017: $1,304,834Net Income 2017: $119,7002017Revenue 2018: $1,627,383Expenses 2018: $1,447,592Net Income 2018: $179,7912018Revenue 2019: $1,713,924Expenses 2019: $1,611,565Net Income 2019: $102,3592019Revenue 2020: $1,733,439Expenses 2020: $1,960,329Net Income 2020: -$226,8902020Revenue 2021: $1,813,405Expenses 2021: $1,796,827Net Income 2021: $16,5782021Revenue 2022: $2,135,824Expenses 2022: $2,150,717Net Income 2022: -$14,8932022Revenue 2023: $1,994,835Expenses 2023: $2,023,565Net Income 2023: -$28,7302023Revenue 2024: $2,181,139Expenses 2024: $2,347,036Net Income 2024: -$165,8972024

Highlighted filing

2024

Revenue$2,181,139
Expenses$2,347,036
Net Income-$165,897
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$47,260,247
Liabilities
$43,942,687
Net assets
$3,317,560
Revenue
$2,181,139
Expenses
$2,347,036
Net income
-$165,897
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$47.3$43.9$3.32$2.18$2.35$0.17
2023Detailed filing. Detailed filing data is available for this year.$47.4$44.1$3.30$1.99$2.02$0.03
2022Detailed filing. Detailed filing data is available for this year.$51.2$48.1$3.14$2.14$2.15$0.01
2021Detailed filing. Detailed filing data is available for this year.$56.1$51.4$4.70$1.81$1.80$0.02
2020Detailed filing. Detailed filing data is available for this year.$50.0$45.2$4.80$1.73$1.96$0.23
2019Detailed filing. Detailed filing data is available for this year.$45.2$40.2$5.03$1.71$1.61$0.10
2018Detailed filing. Detailed filing data is available for this year.$45.2$40.3$4.93$1.63$1.45$0.18
2017Detailed filing. Detailed filing data is available for this year.$47.5$42.7$4.75$1.42$1.30$0.12
2016Detailed filing. Detailed filing data is available for this year.$45.6$41.0$4.63$1.41$1.08$0.33
2015Detailed filing. Detailed filing data is available for this year.$41.7$37.4$4.29$1.37$1.18$0.19
2014Detailed filing. Detailed filing data is available for this year.$39.2$35.1$4.11$1.38$1.53$0.15
2013Detailed filing. Detailed filing data is available for this year.$39.0$35.0$3.98$1.44$1.33$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.0$35.2$3.85$1.50
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.4$34.5$3.92$1.99
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.0$33.1$3.93$2.14
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.0
Gross Receipts
$2,181,139
Mission and Program Overview

Mission

The credit union provide thrift savings, borrowing and financial services to members of a member owned cooperative financial institution. The credit union provides overall activity; that being financial cooperative providing thrift savings, borrowing and other financial services to our members/owners. Number of members/owners at 12/31/15 was 2197 with 571 loans totaling $20,212,237 and with 4152 share deposit accounts totaling $37,288,461.

Provides Thrift Savings & Borrowing for member owned financial institution. The credit union provides one overall activity; that being a financial cooperative providing thrift savings, borrowing and other financial services to our members/owners.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$25,694,657$22,510,639▼ $3,184,018
Investments Program Related$8,372,724$12,189,273▲ $3,816,549
Investments Other Securities$8,453,751$7,965,461▼ $488,290
Land, Buildings, and Equipment, Net$3,584,894$3,483,360▼ $101,534
Rtn Earn Endowment Incm Other Fnds$3,300,306$3,317,560▲ $17,254
Cash and Non-Interest-Bearing Accounts$410,688$253,297▼ $157,391
Prepaid Expenses and Deferred Charges$131,037$148,699▲ $17,662
Accounts Receivable$14,649$77,626▲ $62,977
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$47,413,211$47,260,247▼ $152,964
Other Assets Total$750,811$631,892▼ $118,919
Liabilities
Other Liabilities$43,850,016$43,438,092▼ $411,924
Accounts Payable and Accrued Expenses$262,889$504,595▲ $241,706
Total Liabilities$44,112,905$43,942,687▼ $170,218
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,300,306$3,317,560▲ $17,254
Total Liabilities and Net Assets / Fund Balance$47,413,211$47,260,247▼ $152,964

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$25,759--
Buildings$2,590,618$280,031$0
Other Land Buildings$0$0$0
Land$708,541-$0
Equipment$184,201$400,375$0
Leasehold Improvements$0$0$0
Other Securities$2,337,554--
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Paul KramerCEOFT$222,761$50,623$273,384

Board Members and Trustees

NameTitle
Art SolisChairperson
Curtis TongDirector
Jeff NoyerDirector
John JacobsonDirector
Sally SiemakDirector
Stevem McAdamsDirector
David ParksSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,700,397
Investment Income
$413,891
Other Revenue
$66,851
Change in Net Assets
$-165,897

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,181,139
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$2,181,139
Total Revenue per Form 990
$2,181,139
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,551,395
Salaries, Compensation, and Employee Benefits$795,641
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$544,007--$544,007
Other Salaries and Wages$447,500--$447,500
Other Expenses$265,080$0$0$265,080
Information Technology$237,575--$237,575
Current Officers, Directors, Trustees, and Key Employees$225,761--$225,761
Occupancy$121,260--$121,260
Office Expenses$114,766--$114,766
Depreciation Depletion$106,977--$106,977
Fees for Services Other$75,618--$75,618
Other Employee Benefits$72,332--$72,332
Payroll Taxes$50,048--$50,048
Advertising$32,262--$32,262
Insurance$23,550--$23,550
Conferences and Meetings$6,156--$6,156
Travel$5,665--$5,665
Total Functional Expenses$2,347,036$0$0$2,347,036

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,347,036
Total Expenses per Audited Statements$2,347,036
Total Expenses per Form 990$2,347,036
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$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
Member share deposits$43,344,762
General ledger clearing accounts$92,063
Federal withholding payable to IRS$1,418
Other withholding payable to State$-151
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is a California-Not For Profit Corporation that has members/owners that elect the governing body (Board of Directors) with each member having 1 vote.”

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

“The credit union is a California-Not For Profit Corporation that has members/owners that elect the governing body (Board of Directors) with each member having 1 vote.”

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

“The form is prepared by Accounting Manager and reviewed and approved by the CEO. The credit union's regulator and auditor periodically reviewed it.”

Form 990, Part VI, Section B, Line 12C

“The credit union has a conflict of Interest Policy and is audited by the outside firm and examined by state regulator that reviewed the Board of Directors accounts for any improper activity. The Board of Directors are required to disclose any conflicts of interest at the monthly Board of Directors meetings. Also, the credit union has appointed Supervisory Committee that performs various independent audit procedures with the help of outside auditors.”

Form 990, Part VI, Section B, Line 15

“The Board of Directors has approved an Employee Handbook covering compensation policy and has approved a salary scale by employee position, including management. The Board of Directors has appointed CEO salary review committee to review and make compensation recommendations to the Board of Directors along with other employees' salary performed by the CEO.”

Form 990, Part VI, Section C, Line 19

“The credit union makes its Form 990 and any documents required by regulation available upon request. It's most recent Financial Statement are posted monthly in the credit union lobby. Other governing documents are available on a case-to-case basis.”

Filing and Contact Details

Filer

Filer Name
Dow Great Western Credit Union
EIN
94-1417215
Phone
9253311010
Address
3457 Deer Valley Road, Antioch, CA 94531

Signing Officer

Name
Randy Dhindsa
Title
CEO
Phone
9253311033
Signed
2025-11-14

Organization Details

Formed
1938
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
8
Volunteers
7
Supplemental Narrative

Financial Statement Notes

Schedule D, Part X, Line 2

“Schedule D, Part X, Line 2 - FASB ASC 740-10-65 Income taxes provides guidance for how uncertain tax positions should be recognized, measure, disclosed and presented in the financial statements. This requires the evaluation of tax position taken or expected to be taken in course of preparing the credit unions tax returns to determine whether the positions are "more likely-than-not of being sustained "when challenged or 'when examined by applicable tax authority. Tax positions not deemed to be the more-likely-than-not of being threshold would be reposted as tax expense and liability in the current year. For year ended June 30, 2024, managements determined that there are no material uncertain tax positions, and accordingly has no recorded liability for the payment of interest or penalties. State taxes, if applicable, are pain on income earned by the credit union in California. The credit union is subject to and pays all state and city taxes on goods and services purchased by the credit union.”

Raw XML AppendixShowing 400 of 482 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/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Secretary
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IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt0237575
IRS990/InformationTechnologyGrp/TotalAmt0237575
IRS990/InsuranceGrp/ProgramServicesAmt023550
IRS990/InsuranceGrp/TotalAmt023550
IRS990/InterestGrp/ProgramServicesAmt0544007
IRS990/InterestGrp/TotalAmt0544007
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0413891
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0413891
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt08453751
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt07965461
IRS990/InvestmentsProgramRelatedGrp/BOYAmt08372724
IRS990/InvestmentsProgramRelatedGrp/EOYAmt012189273
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0680406
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03584894
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03483360
IRS990/LandBldgEquipCostOrOtherBssAmt04163766
IRS990/LegalDomicileStateCd0CA
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0The credit union provides thrift savings, borrowing and financial services to members of a member owned cooperative financial institution. The credit union provides overall activity; that being financial cooperative providing thrift savings, borrowing and other financial services to our members/owners. Number of members/owners at 12/31/24 was 2,051 with 2,675 loans totaling $22,629,393 and with 4,015 share deposits accounts totaling $43,344,762.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt03300306
IRS990/NetAssetsOrFundBalancesEOYAmt03317560
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt066851
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt066851
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt015279
IRS990/NetUnrlzdGainsLossesInvstAmt0183151
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt0121260
IRS990/OccupancyGrp/TotalAmt0121260
IRS990/OfficeExpensesGrp/ProgramServicesAmt0114766
IRS990/OfficeExpensesGrp/TotalAmt0114766
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0750811
IRS990/OtherAssetsTotalGrp/EOYAmt0631892
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt072332
IRS990/OtherEmployeeBenefitsGrp/TotalAmt072332
IRS990/OtherExpensesGrp/Desc0Association Membership Dues
IRS990/OtherExpensesGrp/Desc1Provision for Loan Losses
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ProgramServicesAmt018479
IRS990/OtherExpensesGrp/ProgramServicesAmt1265080
IRS990/OtherExpensesGrp/TotalAmt018479
IRS990/OtherExpensesGrp/TotalAmt1265080
IRS990/OtherLiabilitiesGrp/BOYAmt043850016
IRS990/OtherLiabilitiesGrp/EOYAmt043438092
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0447500
IRS990/OtherSalariesAndWagesGrp/TotalAmt0447500
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt025694657
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt022510639
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ProgramServicesAmt050048
IRS990/PayrollTaxesGrp/TotalAmt050048
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0131037
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0148699
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0DOW GREAT WESTERN CREDIT UNION
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0Member Loan Interest
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01296045
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01296045
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgSrvcAccomActy2Grp/Desc0Loan services with 2,675 loans made for $22,629,393 as well as other services around loans, such as offering mechanical breakdown insurance coverage on auto loans. And offering insurance coverage for members if they are disabled and unable to make their payments. Various types of loans, including home loans were offered, including 1st trust, 2nd trust deed, fixed, and variable rate loans, home equity lines of credit, and credit card loans.
IRS990/ProgSrvcAccomActy3Grp/Desc0Rental income
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt066851
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0234292
IRS990/PYOtherExpensesAmt01257523
IRS990/PYOtherRevenueAmt059356
IRS990/PYProgramServiceRevenueAmt01701187
IRS990/PYRevenuesLessExpensesAmt0-28730
IRS990/PYSalariesCompEmpBnftPaidAmt0766042
IRS990/PYTotalExpensesAmt02023565
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01994835
IRS990/ReconcilationRevenueExpnssAmt0-165897
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt066851
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt02181139
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03300306
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03317560
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02590618
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0280031
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt02870649
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0184201
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0400375
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0584576
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt02347036
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt06966000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt11273159
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt259919
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt33864436
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt425759
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0Credit Union and Bank certificate of Deposits
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1Corporate Credit Union Deposits
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2Investment in Corporate Credit Union
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3Investment to Prefund Employee Benefits
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4Investment in Credit Union service organization
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/LandGrp/BookValueAmt0708541
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0708541
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01418
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1-151
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt292063
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt343344762
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Federal withholding payable to IRS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Other withholding payable to State
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2General ledger clearing accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Member share deposits
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt05627907
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt12337554
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Investment in Mortgage Backed Securities
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Investment in Municipal Bonds
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt02181139
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Schedule D, Part X, Line 2 - FASB ASC 740-10-65 Income taxes provides guidance for how uncertain tax positions should be recognized, measure, disclosed and presented in the financial statements. This requires the evaluation of tax position taken or expected to be taken in course of preparing the credit unions tax returns to determine whether the positions are "more likely-than-not of being sustained "when challenged or 'when examined by applicable tax authority. Tax positions not deemed to be the more-likely-than-not of being threshold would be reposted as tax expense and liability in the current year. For year ended June 30, 2024, managements determined that there are no material uncertain tax positions, and accordingly has no recorded liability for the payment of interest or penalties. State taxes, if applicable, are pain on income earned by the credit union in California. The credit union is subject to and pays all state and city taxes on goods and services purchased by the credit union.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part X, Line 2
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03483360
IRS990ScheduleD/TotalBookValueProgramRltdAmt012189273
IRS990ScheduleD/TotalBookValueSecuritiesAmt07965461
IRS990ScheduleD/TotalExpensesPerForm990Amt02347036
IRS990ScheduleD/TotalLiabilityAmt043438092
IRS990ScheduleD/TotalRevenuePerForm990Amt02181139
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02181139
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02347036
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0222761
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount03000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt047623
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Paul Kramer
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0273384
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0The salary committee approved the top management compensation review at the end of the year every year.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule J, Part I, Line 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The credit union is a California-Not For Profit Corporation that has members/owners that elect the governing body (Board of Directors) with each member having 1 vote.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The credit union is a California-Not For Profit Corporation that has members/owners that elect the governing body (Board of Directors) with each member having 1 vote.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The form is prepared by Accounting Manager and reviewed and approved by the CEO. The credit union's regulator and auditor periodically reviewed it.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The credit union has a conflict of Interest Policy and is audited by the outside firm and examined by state regulator that reviewed the Board of Directors accounts for any improper activity. The Board of Directors are required to disclose any conflicts of interest at the monthly Board of Directors meetings. Also, the credit union has appointed Supervisory Committee that performs various independent audit procedures with the help of outside auditors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The Board of Directors has approved an Employee Handbook covering compensation policy and has approved a salary scale by employee position, including management. The Board of Directors has appointed CEO salary review committee to review and make compensation recommendations to the Board of Directors along with other employees' salary performed by the CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The credit union makes its Form 990 and any documents required by regulation available upon request. It's most recent Financial Statement are posted monthly in the credit union lobby. Other governing documents are available on a case-to-case basis.
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 B, Line 11b

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