Civic Intelligence

Vision One Credit Union

990 • Fiscal year 2015 • EIN 94-1433814

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 14, 2016

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

26th percentile

0.86x

Higher debt load relative to assets than 26% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Liabilities / Revenue

23rd percentile

15.01x

Higher debt load relative to revenue than 23% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Net Margin

72nd percentile

14%

Higher net margin than 72% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Top Officer Pay

97th percentile

$316,009

Higher top officer pay than 97% of similar nonprofits.

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

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Asset Growth

73rd percentile

6.8%

Faster asset growth than 73% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Revenue Growth

70th percentile

4.8%

Faster revenue growth than 70% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets26th percentile

Assets

Up

$65,746,820

Up $4,173,863 (+6.8%) from 2014

Net Assets

Up

$8,974,829

Up $546,285 (+6.5%) from 2014

Liabilities

Up

$56,771,991

Up $3,627,578 (+6.8%) from 2014

Revenue And Expenses
Liabilities / Revenue23rd percentileNet Margin72nd percentile

Revenue

Up

$3,782,898

Up $171,939 (+4.8%) from 2014

Expenses

Up

$3,236,613

Up $479,638 (+17%) from 2014

Net Income

Down

$546,285

Down $307,699 (-36%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth73rd 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

2015

Assets$65,746,820
Liabilities$56,771,991
Net Assets$8,974,829
Open 2015 Filing

Operations Trend

Revenue Growth70th 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

2015

Revenue$3,782,898
Expenses$3,236,613
Net Income$546,285
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 14, 2016
Return Version
2015v2.0
Gross Receipts
$3,782,898
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$54,262,739$58,121,248▲ $3,858,509
Rtn Earn Endowment Incm Other Fnds$8,428,544$8,974,829▲ $546,285
Savings and Temporary Cash Investments$5,924,256$6,244,536▲ $320,280
Land, Buildings, and Equipment, Net$321,238$284,456▼ $36,782
Investments in Publicly Traded Securities$115,198$95,198▼ $20,000
Cash and Non-Interest-Bearing Accounts$10,629$2,388▼ $8,241
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$61,572,957$65,746,820▲ $4,173,863
Other Assets Total$938,897$998,994▲ $60,097
Liabilities
Other Liabilities$52,346,724$56,336,607▲ $3,989,883
Accounts Payable and Accrued Expenses$797,689$435,384▼ $362,305
Total Liabilities$53,144,413$56,771,991▲ $3,627,578
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,428,544$8,974,829▲ $546,285
Total Liabilities and Net Assets / Fund Balance$61,572,957$65,746,820▲ $4,173,863

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$98,484$259,602$358,086
Other Land Buildings$46,658$236,524$283,182
Leasehold Improvements$97,750$184,151$281,901
Land$41,564-$41,564
Compensation and Service Providers
Top Officer Pay97th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert SchultzCEO/PresidentFT$198,872$65,000$316,009
Jeanne FletcherCCO/evpFT$135,446$89,137$172,446
Deanna MiyataCFO/SVPFT$118,931-$118,931
Kenneth FerreiraCCO/evpFT$95,115-$95,115

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
$3,223,918
Investment Income
$10,158
Other Revenue
$548,822
Change in Net Assets
$546,285
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,734,042
Other Expenses$1,088,989
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,148,678
Current Officers, Directors, Trustees, and Key Employees---$585,364
Fees for Services Other---$446,269
Benefits to Members---$413,582
Office Expenses---$197,001
Advertising---$97,443
Occupancy---$78,999
Travel---$16,323
Interest---$112
Other Expenses---$-22,657
Total Functional Expenses$0$0$0$3,236,613
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$23,984,526
Share Drafts$11,927,338
Money Market Shares$9,807,060
IRA/KEOGH Accounts$5,148,720
All Other Shares and Deposits$2,850,083
Regular Shares$2,618,879
Rounding$1
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
2016-11-14
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
5

Preparer

Firm
Richards & Associates
Address
21520 YORBA LINDA BLVD G-516, YORBA LINDA, CA 92887
Preparer
Michael Richards
Phone
8775720473
Raw XML AppendixShowing 400 of 516 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/BOYAmt0797689
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0435384
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/TotalAmt097443
IRS990/AllAffiliatesIncludedInd0false
IRS990/AllOtherExpensesGrp/TotalAmt00
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt0413582
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/BOYAmt010629
IRS990/CashNonInterestBearingGrp/EOYAmt02388
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0585364
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt0413582
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt010158
IRS990/CYOtherExpensesAmt01088989
IRS990/CYOtherRevenueAmt0548822
IRS990/CYProgramServiceRevenueAmt03223918
IRS990/CYRevenuesLessExpensesAmt0546285
IRS990/CYSalariesCompEmpBnftPaidAmt01734042
IRS990/CYTotalExpensesAmt03236613
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt03782898
IRS990/DAFExcessBusinessHoldingsInd0false
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0Provided deposit and loan accounts to 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/ExpenseAmt03236613
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt0446269
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
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/AverageHoursPerWeekRltdOrgRt80.00
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/AverageHoursPerWeekRt850.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt552137
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0A Nick Gutierrez
IRS990/Form990PartVIISectionAGrp/PersonNm1Stephen Omoto
IRS990/Form990PartVIISectionAGrp/PersonNm2Tomas Wing
IRS990/Form990PartVIISectionAGrp/PersonNm3Larrance Larson
IRS990/Form990PartVIISectionAGrp/PersonNm4Edward Andersen
IRS990/Form990PartVIISectionAGrp/PersonNm5Robert Schultz
IRS990/Form990PartVIISectionAGrp/PersonNm6Jeanne Fletcher
IRS990/Form990PartVIISectionAGrp/PersonNm7Deanna Miyata
IRS990/Form990PartVIISectionAGrp/PersonNm8Kenneth Ferreira
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5263872
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6172446
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7118931
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt895115
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/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0Board Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Vice Chai
IRS990/Form990PartVIISectionAGrp/TitleTxt5CEO/President
IRS990/Form990PartVIISectionAGrp/TitleTxt6CCO/EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt7CFO/SVP
IRS990/Form990PartVIISectionAGrp/TitleTxt8CCO/EVP
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/GrossReceiptsAmt03782898
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt01851
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0112
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt010158
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt010158
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0115198
IRS990/InvestmentsPubTradedSecGrp/EOYAmt095198
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt0684
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0680277
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0321238
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0284456
IRS990/LandBldgEquipCostOrOtherBssAmt0964733
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/NetAssetsOrFundBalancesBOYAmt08428544
IRS990/NetAssetsOrFundBalancesEOYAmt08974829
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt078999
IRS990/OfficeExpensesGrp/TotalAmt0197001
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt0938897
IRS990/OtherAssetsTotalGrp/EOYAmt0998994
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Provision for Loan Losses
IRS990/OtherExpensesGrp/Desc1Misc Operating Expense
IRS990/OtherExpensesGrp/Desc2Operating Fees
IRS990/OtherExpensesGrp/Desc3NCUSIF Premium
IRS990/OtherExpensesGrp/TotalAmt0252172
IRS990/OtherExpensesGrp/TotalAmt115377
IRS990/OtherExpensesGrp/TotalAmt27950
IRS990/OtherExpensesGrp/TotalAmt3-22657
IRS990/OtherLiabilitiesGrp/BOYAmt052346724
IRS990/OtherLiabilitiesGrp/EOYAmt056336607
IRS990/OtherRevenueMiscGrp/Desc0Fee Income
IRS990/OtherRevenueMiscGrp/Desc1Other Operating Income
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0544233
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt14589
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0544233
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt14589
IRS990/OtherRevenueTotalAmt0548822
IRS990/OtherSalariesAndWagesGrp/TotalAmt01148678
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt054262739
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt058121248
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
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/RelatedOrExemptFuncIncomeAmt03223918
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03223918
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0357661
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt010571
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0914222
IRS990/PYOtherRevenueAmt0539182
IRS990/PYProgramServiceRevenueAmt03061206
IRS990/PYRevenuesLessExpensesAmt0853984
IRS990/PYSalariesCompEmpBnftPaidAmt01485092
IRS990/PYTotalExpensesAmt02756975
IRS990/PYTotalRevenueAmt03610959
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0546285
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt03782898
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08428544
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt08974829
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05924256
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06244536
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt098484
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0259602
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0358086
IRS990ScheduleD/LandGrp/BookValueAmt041564
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt041564
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt097750
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0184151
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0281901
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt046658
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0236524
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0283182
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02850083
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt15148720
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt29807060
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt32618879
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt41
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt523984526
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt611927338
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0All Other Shares and Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1IRA/KEOGH Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Money Market Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Regular Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Rounding
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5Share Certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6Share Drafts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0284456
IRS990ScheduleD/TotalLiabilityAmt056336607
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0135446
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1198872
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount037000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount165000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt052137
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Jeanne Fletcher
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1Robert Schultz
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CCO/EVP
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CEO/President
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0172446
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1316009
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt061902
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt113628
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2159088
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3143727
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt4575
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt516637
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt616639
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt72546
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt8115282
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt917500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1081944
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/BoardOrCommitteeApprovalInd10true
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/DefaultInd10false
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/LoanFromOrganizationInd10X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Commercial-Other Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1CD Secured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Commercial-Other loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3SBA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Commerci
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Equipmen
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6Comercia
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7CD Secur
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8Commercial
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9Commercial
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10Commercial
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0123638
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt178562
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt2270250
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt3198700
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt430150
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt526521
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt625150
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt750000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt8120146

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$65,746,820
Liabilities
$56,771,991
Net assets
$8,974,829
Revenue
$3,782,898
Expenses
$3,236,613
Net income
$546,285
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