Civic Intelligence

Vision One Credit Union

EIN 94-1433814 • 501(c)14 • Sacramento, CA

Profile

Non-profit, state chartered, natural person credit union, provide competitive financial services to the members of vision one credit union.

PO Box 277637Sacramento, CA 95827

www.visionone.org

Siviq Scores

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

Liabilities / Assets

22nd percentile

0.85x

Higher debt load relative to assets than 22% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

50th percentile

16.50x

Higher debt load relative to revenue than 50% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

26th percentile

5.0%

Higher net margin than 26% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

27th percentile

-2.1%

Faster asset growth than 27% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

24th percentile

4.6%

Faster revenue growth than 24% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Assets

Down

$92,893,445

Down $2,006,297 (-2.1%) from 2023

Liabilities

Down

$78,547,322

Down $2,245,224 (-2.8%) from 2023

Net Assets

Up

$14,346,123

Up $238,927 (+1.7%) from 2023

Revenue

Up

$4,760,407

Up $207,978 (+4.6%) from 2023

Expenses

Up

$4,521,480

Up $441,567 (+11%) from 2023

Net Income

Down

$238,927

Down $233,589 (-49%) from 2023

Trend Graphs

Balance Sheet Trend

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

$100M$50M$0Assets 2010: $48,267,882Liabilities 2010: $42,491,395Net Assets 2010: $5,776,4872010Assets 2011: $52,465,927Liabilities 2011: $46,149,143Net Assets 2011: $6,316,7842011Assets 2012: $57,206,403Liabilities 2012: $50,271,692Net Assets 2012: $6,934,7112012Assets 2013: $57,375,067Liabilities 2013: $49,800,507Net Assets 2013: $7,574,5602013Assets 2014: $61,572,957Liabilities 2014: $53,144,413Net Assets 2014: $8,428,5442014Assets 2015: $65,746,820Liabilities 2015: $56,771,991Net Assets 2015: $8,974,8292015Assets 2016: $67,711,670Liabilities 2016: $58,011,292Net Assets 2016: $9,700,3782016Assets 2017: $68,918,266Liabilities 2017: $58,540,586Net Assets 2017: $10,377,6802017Assets 2018: $88,067,066Liabilities 2018: $76,934,735Net Assets 2018: $11,132,3312018Assets 2019: $86,387,756Liabilities 2019: $74,453,183Net Assets 2019: $11,934,5732019Assets 2020: $88,992,582Liabilities 2020: $76,695,001Net Assets 2020: $12,297,5812020Assets 2021: $91,156,949Liabilities 2021: $77,976,329Net Assets 2021: $13,180,6202021Assets 2022: $92,776,654Liabilities 2022: $79,109,936Net Assets 2022: $13,666,7182022Assets 2023: $94,899,742Liabilities 2023: $80,792,546Net Assets 2023: $14,107,1962023Assets 2024: $92,893,445Liabilities 2024: $78,547,322Net Assets 2024: $14,346,1232024

Highlighted filing

2024

Assets$92,893,445
Liabilities$78,547,322
Net Assets$14,346,123

Operations Trend

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

$6.0M$4.0M$2.0M$0Expenses 2010: $2,590,3402010Expenses 2011: $2,957,2482011Expenses 2012: $2,969,4022012Revenue 2013: $3,604,250Expenses 2013: $2,964,401Net Income 2013: $639,8492013Revenue 2014: $3,610,959Expenses 2014: $2,756,975Net Income 2014: $853,9842014Revenue 2015: $3,782,898Expenses 2015: $3,236,613Net Income 2015: $546,2852015Revenue 2016: $3,754,852Expenses 2016: $3,029,303Net Income 2016: $725,5492016Revenue 2017: $3,699,711Expenses 2017: $3,022,409Net Income 2017: $677,3022017Revenue 2018: $4,363,629Expenses 2018: $3,608,978Net Income 2018: $754,6512018Revenue 2019: $4,650,357Expenses 2019: $3,848,115Net Income 2019: $802,2422019Revenue 2020: $4,094,119Expenses 2020: $3,731,111Net Income 2020: $363,0082020Revenue 2021: $4,286,982Expenses 2021: $3,403,943Net Income 2021: $883,0392021Revenue 2022: $3,970,179Expenses 2022: $3,484,081Net Income 2022: $486,0982022Revenue 2023: $4,552,429Expenses 2023: $4,079,913Net Income 2023: $472,5162023Revenue 2024: $4,760,407Expenses 2024: $4,521,480Net Income 2024: $238,9272024

Highlighted filing

2024

Revenue$4,760,407
Expenses$4,521,480
Net Income$238,927

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$92.9$78.5$14.3$4.76$4.52$0.24
2023Detailed filing. Detailed filing data is available for this year.$94.9$80.8$14.1$4.55$4.08$0.47
2022Detailed filing. Detailed filing data is available for this year.$92.8$79.1$13.7$3.97$3.48$0.49
2021Detailed filing. Detailed filing data is available for this year.$91.2$78.0$13.2$4.29$3.40$0.88
2020Detailed filing. Detailed filing data is available for this year.$89.0$76.7$12.3$4.09$3.73$0.36
2019Detailed filing. Detailed filing data is available for this year.$86.4$74.5$11.9$4.65$3.85$0.80
2018Detailed filing. Detailed filing data is available for this year.$88.1$76.9$11.1$4.36$3.61$0.75
2017Detailed filing. Detailed filing data is available for this year.$68.9$58.5$10.4$3.70$3.02$0.68
2016Detailed filing. Detailed filing data is available for this year.$67.7$58.0$9.70$3.75$3.03$0.73
2015Detailed filing. Detailed filing data is available for this year.$65.7$56.8$8.97$3.78$3.24$0.55
2014Detailed filing. Detailed filing data is available for this year.$61.6$53.1$8.43$3.61$2.76$0.85
2013Detailed filing. Detailed filing data is available for this year.$57.4$49.8$7.57$3.60$2.96$0.64
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.2$50.3$6.93$2.97
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$52.5$46.1$6.32$2.96
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.3$42.5$5.78$2.59
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.2
Gross Receipts
$4,760,407
Mission and Program Overview

Mission

Non-profit, state chartered, natural person credit union, provide competitive financial services to the members of vision one credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$79,482,605$77,457,894▼ $2,024,711
Rtn Earn Endowment Incm Other Fnds$14,107,196$14,346,123▲ $238,927
Savings and Temporary Cash Investments$13,934,321$14,067,203▲ $132,882
Land, Buildings, and Equipment, Net$202,609$159,609▼ $43,000
Investments Program Related$115,198$115,198→ $0
Cash and Non-Interest-Bearing Accounts$5,157$67,919▲ $62,762
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$94,899,742$92,893,445▼ $2,006,297
Other Assets Total$1,159,852$1,025,622▼ $134,230
Liabilities
Other Liabilities$79,420,106$77,682,850▼ $1,737,256
Accounts Payable and Accrued Expenses$1,372,440$864,472▼ $507,968
Total Liabilities$80,792,546$78,547,322▼ $2,245,224
Net Assets / Fund Balance
Total Net Assets Fund Balance$14,107,196$14,346,123▲ $238,927
Total Liabilities and Net Assets / Fund Balance$94,899,742$92,893,445▼ $2,006,297

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$80,068$507,571$587,639
Buildings-$358,086$358,086
Other Land Buildings$37,977$229,499$267,476
Land$41,564-$41,564
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert SchultzCEO/presidentFT$359,068$150,487$509,555
Kenneth FerreiraCCO/evpFT$230,050$99,183$329,233
Deanna MiyataCFO/SVPFT$174,550$78,587$253,137
Theresa DiltzVP Loan AdminFT$128,063$7,534$135,597
Lika SerticVP/Deposit OpsFT$120,327$6,765$127,092

Board Members and Trustees

NameTitle
A Nick GuitierrezBoard Chairman
David PlevyakSc Chairman
Fred GuarcelloBoard Sec
Tomas WingBoard Treasurer
Edward AndersenBoard Vice Chai
Samantha CombsSc Member
John OkamotoSc Secretary
Lika SerticVP/Deposit Operati
Theresa DiltzVP/Loan Administra
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,502,354
Investment Income
$688,607
Other Revenue
$569,446
Change in Net Assets
$238,927
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,809,287
Other Expenses$1,156,056
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$1,556,137
Current Officers, Directors, Trustees, and Key Employees---$1,354,616
Other Salaries and Wages---$454,671
Fees for Services Other---$432,416
Office Expenses---$271,377
Occupancy---$119,949
Other Expenses---$14,346
Advertising---$6,603
Travel---$5,939
All Other Expenses---$1,702
Interest---$33
Total Functional Expenses$0$0$0$4,521,480
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
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
All Other Shares$51,974,671
Share drafts$21,625,480
Regular Shares$4,082,699
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 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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

Most members are licensed optometrists in California, staff and member doctors of Vision Service Plan (VSP), employees, members, and affiliates of California Optometric Association (COA), and Ohio Optometric Association (OOA), staff and members of Colorado Optometric Association, faculty, staff, and students of California and Ohio colleges of optometry, and their qualifying family members.

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

Each member has the right to vote during the annual election of the board of directors and supervisory committee.

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

Members are entitled to vote in the annual elections of the Board of Directors and on other corporate matters.

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

The return preparer e-mails a draft of the form 990 to a designated officer and/or ceo of the credit union for review. The designated individual(s) review the draft and present any questions, comments, or corrections to the return preparer. Upon satisfactory completion of the form 990, the organization's authorized individual signs the appropriate signature form(s) to authorize the electronic filing of the return. A copy of the form 990, as filed, is provided by the return preparer to theorganization's ceo or other designated individual(s).

Form 990, Part VI, Section B, Line 15A

The process for determining compensation of the CEO includes a review and approval by independent persons, comparability data, and contemporaneous substantiation of the deliberation and decision.

Form 990, Part VI, Section B, Line 15B

The process for determining compensation of key employees includes a review and approval by CEO, comparability data, and contemporaneous substantiation of the deliberation and decision.

Form 990, Part VI, Section C, Line 19

Governing documents and conflict of interest are available upon request. Financial statements are accessible online via www.ncua.gov and upon request.

Filing and Contact Details

Filer

Filer Name
Vision One Credit Union
EIN
94-1433814
Phone
9163634293
Address
PO BOX 277637, SACRAMENTO, CA 95827

Signing Officer

Name
Deanna Miyata
Title
CFO
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Formed
1951
Legal Domicile
CA
Voting Board Members
5
Independent Board Members
5
Employees
12
Volunteers
8

Preparer

Firm
Richards & Associates
Address
21520 YORBA LINDA BLVD G-516, YORBA LINDA, CA 92887
Preparer
Richards Associates CPAs
Phone
7142876713
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO/PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1CCO/EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt2CFO/SVP
IRS990/Form990PartVIISectionAGrp/TitleTxt3VP Loan Admin
IRS990/Form990PartVIISectionAGrp/TitleTxt4VP/Deposit Ops
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD SEC
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD VICE CHAI
IRS990/Form990PartVIISectionAGrp/TitleTxt9SC SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt10SC MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11SC CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt12CCO/EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt13CFO/SVP
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP/Loan Administra
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP/Deposit Operati
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IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InsuranceGrp/TotalAmt00
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IRS990/InterestGrp/TotalAmt033
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IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt0159609
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IRS990/LegalDomicileStateCd0CA
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IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
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IRS990/MissionDesc0NON-PROFIT, STATE CHARTERED, NATURAL PERSON CREDIT UNION, PROVIDE COMPETITIVE FINANCIAL SERVICES TO THE MEMBERS OF VISION ONE CREDIT UNION.
IRS990/MoreThan5000KToIndividualsInd0false
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IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
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IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
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IRS990/OccupancyGrp/TotalAmt0119949
IRS990/OfficeExpensesGrp/TotalAmt0271377
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01159852
IRS990/OtherAssetsTotalGrp/EOYAmt01025622
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Provision for credit losses
IRS990/OtherExpensesGrp/Desc1Loan servicing
IRS990/OtherExpensesGrp/Desc2Association dues
IRS990/OtherExpensesGrp/Desc3Regulatory Supervision
IRS990/OtherExpensesGrp/TotalAmt0180000
IRS990/OtherExpensesGrp/TotalAmt1105079
IRS990/OtherExpensesGrp/TotalAmt218612
IRS990/OtherExpensesGrp/TotalAmt314346
IRS990/OtherLiabilitiesGrp/BOYAmt079420106
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IRS990/OtherRevenueMiscGrp/Desc0FEE INCOME
IRS990/OtherRevenueMiscGrp/Desc1OTHER NON OPERATING INCOME (EXPENSE)
IRS990/OtherRevenueMiscGrp/Desc2OTHER OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0569446
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0569446
IRS990/OtherRevenueTotalAmt0569446
IRS990/OtherSalariesAndWagesGrp/TotalAmt0454671
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt079482605
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt077457894
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
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IRS990/PYBenefitsPaidToMembersAmt01112065
IRS990/PYInvestmentIncomeAmt0604087
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0976543
IRS990/PYOtherRevenueAmt0575816
IRS990/PYProgramServiceRevenueAmt03372526
IRS990/PYRevenuesLessExpensesAmt0472516
IRS990/PYSalariesCompEmpBnftPaidAmt01991305
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IRS990/PYTotalRevenueAmt04552429
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/ReportOtherLiabilitiesInd0true
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IRS990/RoyaltiesGrp/TotalAmt00
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt014107196
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014346123
IRS990/SavingsAndTempCashInvstGrp/BOYAmt013934321
IRS990/SavingsAndTempCashInvstGrp/EOYAmt014067203
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0358086
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0358086
IRS990ScheduleD/LandGrp/BookValueAmt041564
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt041564
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt080068
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0507571
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0587639
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt037977
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0229499
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0267476
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt051974671
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt14082699
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt221625480
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Share drafts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0159609
IRS990ScheduleD/TotalLiabilityAmt077682850
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IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0174550
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1230050
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2359068
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount047500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount155000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount265000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt013323
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt117103
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt017764
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt127080
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt285487
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0DEANNA MIYATA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1KENNETH FERREIRA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2ROBERT SCHULTZ
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CFO/SVP
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CCO/EVP
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2CEO/PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0253137
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1329233
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2509555
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Most members are licensed optometrists in California, staff and member doctors of Vision Service Plan (VSP), employees, members, and affiliates of California Optometric Association (COA), and Ohio Optometric Association (OOA), staff and members of Colorado Optometric Association, faculty, staff, and students of California and Ohio colleges of optometry, and their qualifying family members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EACH MEMBER HAS THE RIGHT TO VOTE DURING THE ANNUAL ELECTION OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members are entitled to vote in the annual elections of the Board of Directors and on other corporate matters.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE RETURN PREPARER E-MAILS A DRAFT OF THE FORM 990 TO A DESIGNATED OFFICER AND/OR CEO OF THE CREDIT UNION FOR REVIEW. THE DESIGNATED INDIVIDUAL(S) REVIEW THE DRAFT AND PRESENT ANY QUESTIONS, COMMENTS, OR CORRECTIONS TO THE RETURN PREPARER. UPON SATISFACTORY COMPLETION OF THE FORM 990, THE ORGANIZATION'S AUTHORIZED INDIVIDUAL SIGNS THE APPROPRIATE SIGNATURE FORM(S) TO AUTHORIZE THE ELECTRONIC FILING OF THE RETURN. A COPY OF THE FORM 990, AS FILED, IS PROVIDED BY THE RETURN PREPARER TO THEORGANIZATION'S CEO OR OTHER DESIGNATED INDIVIDUAL(S).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The process for determining compensation of the CEO includes a review and approval by independent persons, comparability data, and contemporaneous substantiation of the deliberation and decision.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The process for determining compensation of key employees includes a review and approval by CEO, comparability data, and contemporaneous substantiation of the deliberation and decision.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS AND CONFLICT OF INTEREST ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE ACCESSIBLE ONLINE VIA WWW.NCUA.GOV AND UPON REQUEST.
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 A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
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IRS990ScheduleR/AssetPurchaseFromOtherOrgInd0false
IRS990ScheduleR/AssetSaleToOtherOrgInd0false
IRS990ScheduleR/DivRelatedOrganizationInd0false
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IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingNACd0N/A
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd0false
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd0false

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