Civic Intelligence

Vision One Credit Union

990 • Fiscal year 2014 • EIN 94-1433814

Jan 01, 2014 to Dec 31, 2014 • Filed on Sep 25, 2015

Organization Profilewww.visionone.org

View Organization Page

PO Box 277637Sacramento, CA 95827

(916) 363-4293

Siviq Scores

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

Liabilities / Assets

25th percentile

0.86x

Higher debt load relative to assets than 25% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Liabilities / Revenue

22nd percentile

14.72x

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

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Net Margin

90th percentile

24%

Higher net margin than 90% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Top Officer Pay

97th percentile

$303,506

Higher top officer pay than 97% of similar nonprofits.

Top officer pay equals 8.4% of source-year revenue.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Asset Growth

86th percentile

7.3%

Faster asset growth than 86% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Revenue Growth

49th percentile

0.2%

Faster revenue growth than 49% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets25th percentile

Assets

Up

$61,572,957

Up $4,197,890 (+7.3%) from 2013

Net Assets

Up

$8,428,544

Up $853,984 (+11%) from 2013

Liabilities

Up

$53,144,413

Up $3,343,906 (+6.7%) from 2013

Revenue And Expenses
Liabilities / Revenue22nd percentileNet Margin90th percentile

Revenue

Up

$3,610,959

Up $6,709 (+0.2%) from 2013

Expenses

Down

$2,756,975

Down $207,426 (-7.0%) from 2013

Net Income

Up

$853,984

Up $214,135 (+33%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth86th percentile

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

$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

2014

Assets$61,572,957
Liabilities$53,144,413
Net Assets$8,428,544
Open 2014 Filing

Operations Trend

Revenue Growth49th percentile

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

2014

Revenue$3,610,959
Expenses$2,756,975
Net Income$853,984
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Sep 25, 2015
Return Version
2014v5.0
Gross Receipts
$3,610,959
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.

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$50,795,265$54,262,739▲ $3,467,474
Rtn Earn Endowment Incm Other Fnds$7,574,560$8,428,544▲ $853,984
Savings and Temporary Cash Investments$5,255,159$5,924,256▲ $669,097
Land, Buildings, and Equipment, Net$352,342$321,238▼ $31,104
Investments in Publicly Traded Securities$115,198$115,198→ $0
Cash and Non-Interest-Bearing Accounts$8,889$10,629▲ $1,740
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$57,375,067$61,572,957▲ $4,197,890
Other Assets Total$848,214$938,897▲ $90,683
Liabilities
Other Liabilities$49,004,981$52,346,724▲ $3,341,743
Accounts Payable and Accrued Expenses$795,526$797,689▲ $2,163
Total Liabilities$49,800,507$53,144,413▲ $3,343,906
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,574,560$8,428,544▲ $853,984
Total Liabilities and Net Assets / Fund Balance$57,375,067$61,572,957▲ $4,197,890

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$110,422$247,664$358,086
Other Land Buildings$68,098$225,893$293,991
Leasehold Improvements$101,154$168,254$269,408
Land$41,564-$41,564
Compensation and Service Providers
Top Officer Pay97th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert SchultzCEO/PresidentFT$200,461$53,045$303,506
Jeanne FletcherCCO/evpFT$158,027$103,045$158,027
Deanna MiyataCFO/SVPFT$110,192-$110,192

Board Members and Trustees

NameTitle
A Nick GutierrezBoard Chairman
Larrance LarsonBoard Member
Stephen OmotoBoard Secretary
Tomas WingBoard Treasurer
Edward AndersenBoard Vice Chai
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,061,206
Investment Income
$10,571
Other Revenue
$539,182
Change in Net Assets
$853,984

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,610,959
Total Revenue per Audited Statements
$3,610,959
Total Revenue per Form 990
$3,610,959
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,485,092
Other Expenses$914,222
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$913,368
Current Officers, Directors, Trustees, and Key Employees---$571,724
Fees for Services Other---$388,308
Benefits to Members---$357,661
Office Expenses---$201,294
Advertising---$118,634
Occupancy---$78,452
Travel---$18,864
Other Expenses---$1,409
Total Functional Expenses$0$0$0$2,756,975

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,756,975
Total Expenses per Audited Statements$2,756,975
Total Expenses per Form 990$2,756,975
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share Certificates$22,103,678
Share Drafts$9,960,667
Money Market Shares$8,676,668
IRA/KEOGH Accounts$5,122,596
All Other Shares and Deposits$3,818,601
Regular Shares$2,664,514
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
No
Other officer compensation reviewed
No
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 6: Explanation of Classes of Members or Shareholder

“Members”

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

“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 officer and/or ceo sends a copy to the board of director (s). 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, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Required to review policy and sign a "conflict of interest resolution - individual disclosure statement" on an annual basis.”

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

“Governing documents, conflict of interest policies, and financial statements are not generally made available to the public.”

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
2015-09-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Deanna Miyata
Formed
1951
Legal Domicile
CA
Voting Board Members
5
Independent Board Members
1,851
Employees
12
Volunteers
8

Preparer

Firm
Richards and Associates Cpas
Address
21520 YORBA LINDA BLVD G-516, YORBA LINDA, CA 92887-3762
Preparer
Michael Richards
Phone
8775720473
Raw XML AppendixShowing 400 of 509 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
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0795526
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0797689
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of Vision One Credit Union.
IRS990/AdvertisingGrp/TotalAmt0118634
IRS990/AllAffiliatesIncludedInd0false
IRS990/AllOtherExpensesGrp/TotalAmt00
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt0357661
IRS990/BooksInCareOfDetail/PersonNm0Deanna Miyata
IRS990/BooksInCareOfDetail/PhoneNum09163634293
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO Box 277637
IRS990/BooksInCareOfDetail/USAddress/CityNm0Sacramento
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd095827
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt08889
IRS990/CashNonInterestBearingGrp/EOYAmt010629
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0571724
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt0357661
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt010571
IRS990/CYOtherExpensesAmt0914222
IRS990/CYOtherRevenueAmt0539182
IRS990/CYProgramServiceRevenueAmt03061206
IRS990/CYRevenuesLessExpensesAmt0853984
IRS990/CYSalariesCompEmpBnftPaidAmt01485092
IRS990/CYTotalExpensesAmt02756975
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt03610959
IRS990/DAFExcessBusinessHoldingsInd0false
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0Provided deposit and loan accounts to 2,076 members. Provided low cost source of credit and low cost financial services to our members. Provided source for member savings and checking account needs.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt012
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/EscrowAccountInd0false
IRS990/ExpenseAmt02756975
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt0388308
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form1098CFiledInd0false
IRS990/Form8282FiledCnt00
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form8899Filedind0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt550.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt650.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt750.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt753045
IRS990/Form990PartVIISectionAGrp/PersonNm0A Nick Gutierrez
IRS990/Form990PartVIISectionAGrp/PersonNm1Stephen Omoto
IRS990/Form990PartVIISectionAGrp/PersonNm2Tomas Wing
IRS990/Form990PartVIISectionAGrp/PersonNm3Larrance Larson
IRS990/Form990PartVIISectionAGrp/PersonNm4Edward Andersen
IRS990/Form990PartVIISectionAGrp/PersonNm5Jeanne Fletcher
IRS990/Form990PartVIISectionAGrp/PersonNm6Deanna Miyata
IRS990/Form990PartVIISectionAGrp/PersonNm7Robert Schultz
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5158027
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6110192
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7250461
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0Board Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Vice Chai
IRS990/Form990PartVIISectionAGrp/TitleTxt5CCO/EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt6CFO/SVP
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO/President
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0false
IRS990/FormationYr01951
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt03610959
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt01851
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt010571
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt010571
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0115198
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0115198
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt0684
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0641811
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0352342
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0321238
IRS990/LandBldgEquipCostOrOtherBssAmt0963049
IRS990/LegalDomicileStateCd0CA
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0true
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of Vision One Credit Union.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt07574560
IRS990/NetAssetsOrFundBalancesEOYAmt08428544
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt078452
IRS990/OfficeExpensesGrp/TotalAmt0201294
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt0848214
IRS990/OtherAssetsTotalGrp/EOYAmt0938897
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Provision for Loan Losses
IRS990/OtherExpensesGrp/Desc1Association dues
IRS990/OtherExpensesGrp/Desc2Regulatory Supervision
IRS990/OtherExpensesGrp/Desc3Misc Operating Expense
IRS990/OtherExpensesGrp/TotalAmt086658
IRS990/OtherExpensesGrp/TotalAmt112987
IRS990/OtherExpensesGrp/TotalAmt27616
IRS990/OtherExpensesGrp/TotalAmt31409
IRS990/OtherLiabilitiesGrp/BOYAmt049004981
IRS990/OtherLiabilitiesGrp/EOYAmt052346724
IRS990/OtherRevenueMiscGrp/Desc0All Other Revenue
IRS990/OtherRevenueMiscGrp/Desc1Fee Income
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt04371
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1534811
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt04371
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1534811
IRS990/OtherRevenueTotalAmt0539182
IRS990/OtherSalariesAndWagesGrp/TotalAmt0913368
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt050795265
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt054262739
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0Deanna Miyata
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03061206
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03061206
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0342057
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt010906
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01122292
IRS990/PYOtherRevenueAmt0522351
IRS990/PYProgramServiceRevenueAmt03070993
IRS990/PYRevenuesLessExpensesAmt0639849
IRS990/PYSalariesCompEmpBnftPaidAmt01500052
IRS990/PYTotalExpensesAmt02964401
IRS990/PYTotalRevenueAmt03604250
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0853984
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt03610959
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07574560
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt08428544
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05255159
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05924256
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0110422
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0247664
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0358086
IRS990ScheduleD/ExpensesSubtotalAmt02756975
IRS990ScheduleD/LandGrp/BookValueAmt041564
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt041564
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0101154
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0168254
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0269408
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt068098
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0225893
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0293991
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03818601
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt15122596
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt28676668
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt32664514
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt422103678
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt59960667
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0All Other Shares and Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1IRA/KEOGH Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Money Market Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Regular Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Share Certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5Share Drafts
IRS990ScheduleD/RevenueSubtotalAmt03610959
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0321238
IRS990ScheduleD/TotalExpensesPerForm990Amt02756975
IRS990ScheduleD/TotalLiabilityAmt052346724
IRS990ScheduleD/TotalRevenuePerForm990Amt03610959
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03610959
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02756975
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0158027
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1200461
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount050000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt053045
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Jeanne Fletcher
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1Robert Schultz
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CCO/EVP
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CEO/President
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0158027
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1303506
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0279
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt174925
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt230826
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt35993
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt4184775
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt5161672
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt67294
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt721679
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt821396
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt943482
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd9true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd9false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Commercial-Other Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Commercial-Other Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2CD Secured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Equipment loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Commercial-Other loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5SBA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6Commerci
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7Equipmen
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8Comercia
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9CD Secur
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt012150
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1123638
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt278562
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt326763
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt4270250
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt5198700
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt630150
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt726521
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt825150
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt950000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Edward Andersen
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Edward Andersen

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$61,572,957
Liabilities
$53,144,413
Net assets
$8,428,544
Revenue
$3,610,959
Expenses
$2,756,975
Net income
$853,984
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