Civic Intelligence

Dow Great Western Credit Union

990 • Fiscal year 2017 • EIN 94-1417215

Jan 01, 2017 to Dec 31, 2017 • Filed on May 10, 2018

Organization Profilewww.dowcu.org

View Organization Page

4041 Lone Tree Way Suite 100Antioch, CA 94531

(925) 331-1010

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.90x

Higher debt load relative to assets than 73% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Liabilities / Revenue

92nd percentile

29.98x

Higher debt load relative to revenue than 92% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Net Margin

47th percentile

8.4%

Higher net margin than 47% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Top Officer Pay

33rd percentile

$85,583

Higher top officer pay than 33% of similar nonprofits.

Top officer pay equals 6.0% of source-year revenue.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Asset Growth

67th percentile

4.0%

Faster asset growth than 67% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Revenue Growth

20th percentile

1.0%

Faster revenue growth than 20% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$47,456,139

Up $1,843,377 (+4.0%) from 2016

Net Assets

Up

$4,748,502

Up $119,700 (+2.6%) from 2016

Liabilities

Up

$42,707,637

Up $1,723,677 (+4.2%) from 2016

Revenue And Expenses
Liabilities / Revenue92nd percentileNet Margin47th percentile

Revenue

Up

$1,424,534

Up $13,538 (+1.0%) from 2016

Expenses

Up

$1,304,834

Up $228,455 (+21%) from 2016

Net Income

Down

$119,700

Down $214,917 (-64%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth67th percentile

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

$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

2017

Assets$47,456,139
Liabilities$42,707,637
Net Assets$4,748,502
Open 2017 Filing

Operations Trend

Revenue Growth20th percentile

Revenue, expenses, and net income across loaded years, with this 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

2017

Revenue$1,424,534
Expenses$1,304,834
Net Income$119,700
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 10, 2018
Return Version
2017v2.0
Gross Receipts
$1,424,534
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. The number of members/owners at 12/31/17 was 2128 with 590 loans totaling $18,951,987 and with 4002 share deposit accounts totaling $42,364,164

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$24,908,411$27,197,565▲ $2,289,154
Other Notes and Loans Receivable, Net$19,397,712$18,911,131▼ $486,581
Rtn Earn Endowment Incm Other Fnds$4,628,802$4,748,502▲ $119,700
Land, Buildings, and Equipment, Net$438,523$383,656▼ $54,867
Cash and Non-Interest-Bearing Accounts$250,955$290,334▲ $39,379
Prepaid Expenses and Deferred Charges$94,134$115,698▲ $21,564
Accounts Receivable$10,058$9,473▼ $585
Savings and Temporary Cash Investments$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$45,612,762$47,456,139▲ $1,843,377
Other Assets Total$512,969$548,282▲ $35,313
Liabilities
Other Liabilities$40,845,215$42,498,895▲ $1,653,680
Accounts Payable and Accrued Expenses$138,745$208,742▲ $69,997
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$40,983,960$42,707,637▲ $1,723,677
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,628,802$4,748,502▲ $119,700
Total Liabilities and Net Assets / Fund Balance$45,612,762$47,456,139▲ $1,843,377

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$357,779$495,553$853,332
Equipment$25,877$400,892$426,769
Investment Program Related Org$2,679,272--
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Compensation and Service Providers
Top Officer Pay33rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rosario NagarInterim Co-CEOFT$76,836$8,747$85,583
Stacey DouglasInterim Co-CEOFT$82,292$693$82,985
Paul KramerCEOPT$22,845-$22,845

Board Members and Trustees

NameTitle
David ParksChairperson
Jeff NoyerChairperson
Art SolisDirector
Curtis TongDirector
John JacobsonDirector
Marshall ZimmermanDirector
Sally SiemakDirector
Steven McAdamsDirector
Karen HarveySecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Bluerock Partners LLCLeased Office Space1200 Concord Avenue Suite 200, Concord, CA 94520$246,627
FiservInformation Systems255 FISERV Drive, Brookfield, WI 53045$196,500
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$903,540
Investment Income
$520,994
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$119,700
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$820,978
Salaries, Compensation, and Employee Benefits$483,856
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Occupancy---$292,313
Information Technology---$236,596
Other Salaries and Wages---$194,698
Current Officers, Directors, Trustees, and Key Employees---$181,972
Interest---$78,469
Office Expenses---$65,032
Other Employee Benefits---$55,572
Fees for Services Other---$45,254
Payroll Taxes---$33,250
Other Expenses---$25,725
Insurance---$18,945
Pension Plan Contributions---$18,364
Depreciation Depletion---$17,231
Advertising---$13,815
Travel---$6,563
Conferences and Meetings---$5,834
Total Functional Expenses$0$0$0$1,304,834
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$42,364,164
General Ledger Clearing Accounts$131,431
Other Withholding$482
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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, Section A, Line 6

“The credit union is a California Not-For-Profit Corporation that has member/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 member/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 the Accounting Manager and reviewed 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 audit firm and examined by state regulator that reviewed Board of Director's accounts for any improper activity. The Board of Director's are required to disclose any conflicts of interest at the monthly Board of Directors meetings. Also, the credit union has an appointed Supervisory Committee that performs various independent internal audit procedures.”

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 other documents required by regulation available upon request. Its most recent Financial Statement are posted monthly in the credit union. Other governing documents are made 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
4041 Lone Tree Way Suite 100, Antioch, CA 94531

Signing Officer

Name
Paul Kramer
Title
CEO
Phone
9253311010
Signed
2018-05-10

Organization Details

Principal Officer
Paul Kramer
Formed
1938
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
8
Volunteers
14
Supplemental Narrative

Financial Statement Notes

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 union's tax returns to determine whether the tax positions are "more-likely-than-not of being sustained "when challenged or "when examined by applicable tax authority. Tax positions not deemed to meet the more-likely-than-not threshold would be reported as a tax expense and liability in the current year. For year ended June 30, 2017, management has determined that there are no material uncertain tax positions, and accordingly, has no recorded a 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 497 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/Form990PartVIISectionAGrp/PersonNm2Karen Harvey
IRS990/Form990PartVIISectionAGrp/PersonNm3Steven McAdams
IRS990/Form990PartVIISectionAGrp/PersonNm4Art Solis
IRS990/Form990PartVIISectionAGrp/PersonNm5Marshall Zimmerman
IRS990/Form990PartVIISectionAGrp/PersonNm6Sally Siemak
IRS990/Form990PartVIISectionAGrp/PersonNm7Jeff Noyer
IRS990/Form990PartVIISectionAGrp/PersonNm8David Parks
IRS990/Form990PartVIISectionAGrp/PersonNm9Paul Kramer
IRS990/Form990PartVIISectionAGrp/PersonNm10Stacey Douglas
IRS990/Form990PartVIISectionAGrp/PersonNm11Rosario Nagar
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt8Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10Interim Co-CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11Interim Co-CEO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01938
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/FundraisingAmt00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GovernmentGrantsAmt00
IRS990/GrantAmt01733
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt01424534
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0236596
IRS990/InsuranceGrp/TotalAmt018945
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt078469
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0520994
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0520994
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt024908411
IRS990/InvestmentsProgramRelatedGrp/EOYAmt027197565
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt0899
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0896445
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0438523
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0383656
IRS990/LandBldgEquipCostOrOtherBssAmt01280101
IRS990/LegalDomicileStateCd0CA
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembershipDuesAmt00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0The 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 12/31/17 was 2128 with 590 loans totaling $18,951,987 and with 4002 share deposit accounts totaling $42,364,164
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt04628802
IRS990/NetAssetsOrFundBalancesEOYAmt04748502
IRS990/NetUnrelatedBusTxblIncmAmt0-4399
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NoncashContributionsAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0292313
IRS990/OfficeExpensesGrp/TotalAmt065032
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0512969
IRS990/OtherAssetsTotalGrp/EOYAmt0548282
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt055572
IRS990/OtherExpensesGrp/Desc0Association Membership Dues
IRS990/OtherExpensesGrp/Desc1Provision for Loan Losses
IRS990/OtherExpensesGrp/TotalAmt015201
IRS990/OtherExpensesGrp/TotalAmt125725
IRS990/OtherLiabilitiesGrp/BOYAmt040845215
IRS990/OtherLiabilitiesGrp/EOYAmt042498895
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0194698
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt019397712
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt018911131
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt033250
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt018364
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt094134
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0115698
IRS990/PrincipalOfficerNm0Paul Kramer
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0Member Loan Interest
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0755189
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0755189
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgSrvcAccomActy2Grp/Desc0Loan services with 562 loans made for $4,450,831 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 and 2nd trust deed and fixed and variable rate loans and home equity lines of credit.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt013556
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0755189
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0454111
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0602291
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0956885
IRS990/PYRevenuesLessExpensesAmt0334617
IRS990/PYSalariesCompEmpBnftPaidAmt0474088
IRS990/PYTotalExpensesAmt01076379
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01410996
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0119700
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RelatedOrganizationsAmt00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt01424534
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04628802
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04748502
IRS990/SavingsAndTempCashInvstGrp/BOYAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt025877
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0400892
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0426769
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt02818
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt020006000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt14417908
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt268479
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt325906
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt42679272
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0Credit Union and Bank Certificate Deposits
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1Corporate Credit Union Deposits
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2Investment in Corporate Credit Union
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3Investment in Credit Union Service Organization
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4Investment to Prefund Employee Benefits
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0357779
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0495553
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0853332
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0482
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1131431
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt242364164
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Other Withholding
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1General Ledger Clearing Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Member Share Deposits
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0FASB 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 union's tax returns to determine whether the tax positions are "more-likely-than-not of being sustained "when challenged or "when examined by applicable tax authority. Tax positions not deemed to meet the more-likely-than-not threshold would be reported as a tax expense and liability in the current year. For year ended June 30, 2017, management has determined that there are no material uncertain tax positions, and accordingly, has no recorded a 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/TotalBookValueLandBuildingsAmt0383656

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$47,456,139
Liabilities
$42,707,637
Net assets
$4,748,502
Revenue
$1,424,534
Expenses
$1,304,834
Net income
$119,700
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
Peer Organizations

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