Civic Intelligence

Vision One Credit Union

990 • Fiscal year 2020 • EIN 94-1433814

Jan 01, 2020 to Dec 31, 2020 • Filed on Nov 12, 2021

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

27th percentile

0.86x

Higher debt load relative to assets than 27% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Liabilities / Revenue

38th percentile

18.73x

Higher debt load relative to revenue than 38% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Net Margin

49th percentile

8.9%

Higher net margin than 49% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Top Officer Pay

100th percentile

$424,672

Higher top officer pay than 100% of similar nonprofits.

Top officer pay equals 10.4% of source-year revenue.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Asset Growth

4th percentile

3.0%

Faster asset growth than 4% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2019 to 2020

Revenue Growth

14th percentile

-12%

Faster revenue growth than 14% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2019 to 2020

Assets

Up

$88,992,582

Up $2,604,826 (+3.0%) from 2019

Net Assets

Up

$12,297,581

Up $363,008 (+3.0%) from 2019

Liabilities

Up

$76,695,001

Up $2,241,818 (+3.0%) from 2019

Revenue

Down

$4,094,119

Down $556,238 (-12%) from 2019

Expenses

Down

$3,731,111

Down $117,004 (-3.0%) from 2019

Net Income

Down

$363,008

Down $439,234 (-55%) from 2019

Historical Trend

Balance Sheet Trend

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

2020

Assets$88,992,582
Liabilities$76,695,001
Net Assets$12,297,581

Operations Trend

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

2020

Revenue$4,094,119
Expenses$3,731,111
Net Income$363,008
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Nov 12, 2021
Return Version
2020v4.0
Gross Receipts
$4,094,119
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$71,655,284$74,187,787▲ $2,532,503
Savings and Temporary Cash Investments$12,784,151$12,983,361▲ $199,210
Rtn Earn Endowment Incm Other Fnds$11,934,573$12,297,581▲ $363,008
Land, Buildings, and Equipment, Net$389,943$324,189▼ $65,754
Receivables From Officers Etc$166,936$0▼ $166,936
Investments Program Related$115,198$115,198→ $0
Cash and Non-Interest-Bearing Accounts$1,326$13,777▲ $12,451
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$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$86,387,756$88,992,582▲ $2,604,826
Other Assets Total$1,274,918$1,368,270▲ $93,352
Liabilities
Other Liabilities$72,952,909$75,222,336▲ $2,269,427
Accounts Payable and Accrued Expenses$1,500,274$1,472,665▼ $27,609
Total Liabilities$74,453,183$76,695,001▲ $2,241,818
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,934,573$12,297,581▲ $363,008
Total Liabilities and Net Assets / Fund Balance$86,387,756$88,992,582▲ $2,604,826

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$208,524$358,700$567,224
Other Land Buildings$35,305$365,008$400,313
Buildings$38,796$319,290$358,086
Land$41,564-$41,564
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert SchultzCEO/presidentFT$252,222$117,000$424,672
Kenneth FerreiraCCO/evpFT$193,392$98,191$291,583
Deanna MiyataCFO/SVPFT$126,011$133,656$204,217
Shayla DonesVP/Loan AdministraFT$118,268$3,446$121,714

Board Members and Trustees

NameTitle
A Nick GuitierrezBoard Chairman
David PlevyakSc Chairman
Fred GuarcelloBoard Member
Larrence LarsonBoard Secretary
Tomas WingBoard Treasurer
Edward AndersenBoard Vice Chai
Samantha VavricekSc Member
John OkamotoSc Secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,657,791
Investment Income
$53,848
Other Revenue
$382,480
Change in Net Assets
$363,008
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,899,517
Other Expenses$1,094,342
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$1,053,751
Other Salaries and Wages---$845,766
Benefits to Members---$737,252
Fees for Services Other---$404,497
Office Expenses---$230,194
Occupancy---$108,107
Interest---$23,815
Advertising---$21,136
Other Expenses---$13,931
Travel---$9,897
All Other Expenses---$1,841
Total Functional Expenses$0$0$0$3,731,111
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 Officers, Directors, Trustees, and Key Employees$166,936$0▼ $166,936
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share drafts$28,895,131
Share Certificates$16,388,819
Money Market Shares$10,712,896
All Other Shares$7,984,528
Ira/keogh Accounts$5,811,369
Regular Shares$5,429,592
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 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, Line 6: Explanation of Classes of Members or Shareholder

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, Line 7A: How Members or Shareholders Elect Governing Body

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

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

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

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 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 15A: Compensation Review & Approval Process - CEO, Top Management

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, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

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, Line 19: Other Organization Documents Publicly Available

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
2021-11-12
Discuss with paid preparer
Yes

Organization Details

Formed
1951
Legal Domicile
CA
Voting Board Members
5
Independent Board Members
5
Employees
11
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/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt0500
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01042998
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0389943
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0324189
IRS990/LandBldgEquipCostOrOtherBssAmt01367187
IRS990/LegalDomicileStateCd0CA
IRS990/LoanOutstandingInd0false
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/NetAssetsOrFundBalancesBOYAmt011934573
IRS990/NetAssetsOrFundBalancesEOYAmt012297581
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0108107
IRS990/OfficeExpensesGrp/TotalAmt0230194
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01274918
IRS990/OtherAssetsTotalGrp/EOYAmt01368270
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Loan servicing
IRS990/OtherExpensesGrp/Desc1Provision for loan losses
IRS990/OtherExpensesGrp/Desc2Association dues
IRS990/OtherExpensesGrp/Desc3Operating fees
IRS990/OtherExpensesGrp/TotalAmt0155543
IRS990/OtherExpensesGrp/TotalAmt1109641
IRS990/OtherExpensesGrp/TotalAmt215740
IRS990/OtherExpensesGrp/TotalAmt313931
IRS990/OtherLiabilitiesGrp/BOYAmt072952909
IRS990/OtherLiabilitiesGrp/EOYAmt075222336
IRS990/OtherRevenueMiscGrp/Desc0FEE INCOME
IRS990/OtherRevenueMiscGrp/Desc1OTHER NON OPERATING INCOME (EXPENSE)
IRS990/OtherRevenueMiscGrp/Desc2OTHER OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0927267
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1-548557
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt23770
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0927267
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1-548557
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt23770
IRS990/OtherRevenueTotalAmt0382480
IRS990/OtherSalariesAndWagesGrp/TotalAmt0845766
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt071655284
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt074187787
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
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03657791
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03657791
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt01026671
IRS990/PYInvestmentIncomeAmt0217129
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01014037
IRS990/PYOtherRevenueAmt0744018
IRS990/PYProgramServiceRevenueAmt03689210
IRS990/PYRevenuesLessExpensesAmt0802242
IRS990/PYSalariesCompEmpBnftPaidAmt01807407
IRS990/PYTotalExpensesAmt03848115
IRS990/PYTotalRevenueAmt04650357
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0166936
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0363008
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0true
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt011934573
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt012297581
IRS990/SavingsAndTempCashInvstGrp/BOYAmt012784151
IRS990/SavingsAndTempCashInvstGrp/EOYAmt012983361
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt038796
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0319290
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0358086
IRS990ScheduleD/LandGrp/BookValueAmt041564
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt041564
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0208524
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0358700
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0567224
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt035305
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0365008
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0400313
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt07984528
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt15811369
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt210712896
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt35429592
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt41
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt516388819
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt628895131
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ALL OTHER SHARES
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/TotalBookValueLandBuildingsAmt0324189
IRS990ScheduleD/TotalLiabilityAmt075222336
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0126011
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1193392
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2252222
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount040000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount155000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount260000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt038206
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt143191
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt257000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt055450
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/TotalCompensationFilingOrgAmt0204217
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1291583
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2424672
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, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleR/AssetExchangeInd0false
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd0false
IRS990ScheduleR/AssetSaleToOtherOrgInd0false
IRS990ScheduleR/DivRelatedOrganizationInd0false
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd0false
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd0false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingNACd0N/A
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd0false
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd0false
IRS990ScheduleR/PaidEmployeesSharingInd0false
IRS990ScheduleR/PerformOfServicesByOtherOrgInd0false
IRS990ScheduleR/PerformOfServicesForOthOrgInd0false
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd0false
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd0false
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd0false
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd0false
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd0false
IRS990ScheduleR/SharingOfFacilitiesInd0false
IRS990ScheduleR/TransferFromOtherOrgInd0false
IRS990ScheduleR/TransferToOtherOrgInd0false
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

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