Liabilities / Assets
11th percentile
Higher debt load relative to assets than 11% of similar nonprofits.
United Local Credit Union
EIN 94-1518911 • 501(c)14 • Fresno, CA
Profile
The mission of united local credit union is to better the lives of each of our hard-working members via an excellent financial services relationship.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.81x
Liabilities / Revenue
53rd percentile
Higher debt load relative to revenue than 53% of similar nonprofits.
Net Margin
69th percentile
Higher net margin than 69% of similar nonprofits.
Top Officer Pay
76th percentile
Higher top officer pay than 76% of similar nonprofits.
Top officer pay equals 4.8% of source-year revenue.
Asset Growth
16th percentile
Faster asset growth than 16% of similar nonprofits.
Revenue Growth
8th percentile
Faster revenue growth than 8% of similar nonprofits.
Balance Sheet
Assets
Down$121,456,226
Down $2,208,249 (-1.8%) from 2023
Liabilities
Down$98,556,189
Down $3,419,288 (-3.4%) from 2023
Net Assets
Up$22,900,037
Up $1,211,039 (+5.6%) from 2023
Revenue
Down$6,383,220
Down $39,874 (-0.6%) from 2023
Expenses
Up$5,330,836
Up $178,656 (+3.5%) from 2023
Net Income
Down$1,052,384
Down $218,530 (-17%) from 2023
Trend Graphs
Filings
Most recent year
2024 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $121,456,226
- Liabilities
- $98,556,189
- Net assets
- $22,900,037
- Revenue
- $6,383,220
- Expenses
- $5,330,836
- Net income
- $1,052,384
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2024 to Dec 31, 2024
- Signed
- Oct 22, 2025
- Return Version
- 2024v5.2
- Gross Receipts
- $6,383,220
Mission and Program Overview
Mission
The mission of united local credit union is to better the lives of each of our hard-working members via an excellent financial services relationship.
Provide credit union services to members.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $78,477,735 | $77,904,342 | ▼ $573,393 |
| Rtn Earn Endowment Incm Other Fnds | $21,688,998 | $22,900,037 | ▲ $1,211,039 |
| Investments Other Securities | $26,608,352 | $22,739,864 | ▼ $3,868,488 |
| Cash and Non-Interest-Bearing Accounts | $10,712,273 | $12,267,075 | ▲ $1,554,802 |
| Land, Buildings, and Equipment, Net | $496,815 | $1,128,326 | ▲ $631,511 |
| Receivables From Officers Etc | $960,290 | $1,014,982 | ▲ $54,692 |
| Prepaid Expenses and Deferred Charges | $364,969 | $374,412 | ▲ $9,443 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $123,664,475 | $121,456,226 | ▼ $2,208,249 |
| Other Assets Total | $6,044,041 | $6,027,225 | ▼ $16,816 |
| Liabilities | |||
| Other Liabilities | $101,484,913 | $97,403,759 | ▼ $4,081,154 |
| Accounts Payable and Accrued Expenses | $450,423 | $1,095,039 | ▲ $644,616 |
| Escrow Account Liability | $40,141 | $57,391 | ▲ $17,250 |
| Total Liabilities | $101,975,477 | $98,556,189 | ▼ $3,419,288 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $21,688,998 | $22,900,037 | ▲ $1,211,039 |
| Total Liabilities and Net Assets / Fund Balance | $123,664,475 | $121,456,226 | ▼ $2,208,249 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $460,438 | $1,213,602 | $1,674,040 |
| Other Land Buildings | $667,022 | - | $667,022 |
| Leasehold Improvements | $866 | $354,430 | $355,296 |
| Other Securities | $238,999 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Angelina Maldonado | President/CEO | FT | $265,666 | $39,798 | $305,464 |
| Viren Mistry | Vice President/COO | FT | $115,635 | $37,663 | $153,298 |
| Sherwood Brown | Controller | FT | $103,860 | $14,956 | $118,816 |
Board Members and Trustees
| Name | Title |
|---|---|
| Jim Hazelrigg | Board Chairman |
| Andy Anderson | Vice Board Chairman |
| Lars Oakander | Director |
| Pamela Nielsen | Director |
| Denise Benelli | Secretary |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Jack Henry And Associates | Online It Systems | 8985 BALBOA AVENUE, San Diego, CA 92123 | $671,974 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $5,319,923
- Investment Income
- $1,063,297
- Other Revenue
- $0
- Change in Net Assets
- $1,052,384
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $6,383,220
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $0
- Total Revenue per Audited Statements
- $6,383,220
- Total Revenue per Form 990
- $6,383,220
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $3,153,406 |
| Salaries, Compensation, and Employee Benefits | $2,177,430 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,087,279 |
| Office Expenses | - | - | - | $793,104 |
| Information Technology | - | - | - | $792,396 |
| Pension Plan Contributions | - | - | - | $474,468 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $424,280 |
| Occupancy | - | - | - | $317,808 |
| Advertising | - | - | - | $200,688 |
| Payroll Taxes | - | - | - | $130,006 |
| Depreciation Depletion | - | - | - | $97,450 |
| Conferences and Meetings | - | - | - | $74,507 |
| Other Employee Benefits | - | - | - | $61,397 |
| Fees for Services Accounting | - | - | - | $38,837 |
| Fees for Services Legal | - | - | - | $29,010 |
| Payments to Affiliates | - | - | - | $26,842 |
| Other Expenses | - | - | - | $7,048 |
| Fees for Services Lobbying | - | - | - | $1,000 |
| Total Functional Expenses | $0 | $0 | $0 | $5,330,836 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $5,330,836 |
| Total Expenses per Audited Statements | $5,330,836 |
| Total Expenses per Form 990 | $5,330,836 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- Yes
- Subject to proxy tax
- No
Reported Spending and Taxes
| Line Item | Amount |
|---|---|
| Political Expenditures | $1,000 |
| Total Exempt Function Spending | $1,000 |
Section 527 Organizations
| Organization | Location | Amount |
|---|---|---|
| 94-2329967 | Sacramento, CA | $1,000 |
Insider Transactions and Loans
Loans and Receivables
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $960,290 | $1,014,982 | ▲ $54,692 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Shares | $97,403,759 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Audit committee
- Yes
- Backup withholding compliance
- Yes
- Business relationship with 35% controlled entity
- No
- Business relationship with family members
- No
- Business relationship with organization members
- No
- Material changes to governing documents
- No
- Compensation from other sources disclosed
- No
- CEO compensation reviewed
- Yes
- Other officer compensation reviewed
- No
- Conflict-of-interest policy
- Yes
- Audited financial statements prepared
- No
- Key decisions subject to board approval
- Yes
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Section A, Line 6
“United local credit union has members as specified in its bylaws.”
Form 990, Part VI, Section A, Line 7A
“United local credit union members have the power to elect members of the governing body.”
Form 990, Part VI, Section A, Line 7B
“United local credit union members have the power to elect and remove members of the governing body.”
Form 990, Part VI, Section A, Line 8B
“United local credit union does not have committees with authority to act on behalf of the governing body.”
Form 990, Part VI, Section B, Line 11B
“The form 990 is reviewed by the president/chief executive officer, and a copy of the form 990 will be provided to the board of directors before filing with the internal revenue service.”
Form 990, Part VI, Section B, Line 12C
“United local credit union's board members, supervisory committee, other committees, officials, and employees must never use their position for personal profit or gain, must not engage directly or indirectly in any cover-up or obstruction of questionable practices, and must exhibit diligence and complete honesty in dealing with all credit union matters. When there is a personal interest in a contract, transaction, or relationship to which that person, person's family or any business affiliates may be a party, the existence of such interest must be disclosed and the nature of such interest described to the board prior to the time any action is taken by the board directors, committee members or officials with respect to the matter. The interested party shall not directly or indirectly participate in any deliberation or determination of the matter and should take all reasonable steps to avoid the conflict. If there is even the appearance of the conflict, including excusing himself or herself from all relevant discussions and decisions, the interested party is to be held to the same standards as if there is an actual conflict. The organization regularly and consistently monitors and enforces compliance with the policy by having the board and staff fill out annual disclosures and submits them for review. Any conflicts or appearance of conflict are reviewed by the board of directors, with any interested party excusing themself from any discussion or decision. If a conflict of interest has occurred, the restrictions imposed are determined on a case by case basis.”
Form 990, Part VI, Section B, Line 15A
“United local credit union uses a compensation survey of comparable persons in comparable positions at similar organizations to determine the chief executive officer's compensation. The decision is reviewed and approved by united local credit union's governing body and is contemporaneously documented in the board meeting minutes. The last time this process occurred was in 2024.”
Form 990, Part VI, Section C, Line 19
“United local credit union makes its governing documents, conflict of interest policy, and audited financial statements available to the public upon request in the same time and manner as other disclosures required under internal revenue code section 6104.”
Filing and Contact Details
Filer
- Filer Name
- United Local Credit Union
- EIN
- 94-1518911
- Phone
- 5592278329
- Address
- 3650 EAST ASHLAN AVENUE, FRESNO, CA 93726
Signing Officer
- Name
- Angelina Maldonado
- Title
- President/CEO
- Phone
- 5592278329
- Signed
- 2025-10-22
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Angelina Maldonado
- Formed
- 1953
- Legal Domicile
- CA
- Voting Board Members
- 5
- Independent Board Members
- 5
- Employees
- 24
- Volunteers
- 5
Preparer
- Firm
- Rsm US Llp
- Address
- 4650 EAST 53RD STREET, DAVENPORT, IA 52807-3479
- Preparer
- Jenifer L Chase
- Phone
- 5638884000
Supplemental Narrative
Additional Explanations
FORM 990, PART XI, LINE 9:
“Change in other comprehensive income 158,655.”
FORM 990, PART XII, LINE 2C:
“The oversight and selection process has not changed from prior tax year.”
Financial Statement Notes
PART IV, LINE 2B:
“United local credit union holds funds in escrow in order to pay for real estate taxes and homeowners insurance on behalf of its mortgage loan members.”
PART X, LINE 2:
“United local credit union (the credit union) is exempt, by statute, from federal income taxes. The credit union is a state-chartered credit union described in the internal revenue code (irc) section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. However, the credit union is subject to unrelated business income tax (ubit). Fasb codification topic 740, income taxes, provides guidance for how uncertain tax positions should be recognized, measured, disclosed, and presented in the financial statements. This requires an evaluation of tax positions taken or expected to be taken in the course of preparing the credit union's tax returns to determine whether the tax position are more-likely-than-not "when challenged or "when examined" by the applicable tax authority. Tax positions not deemed to meet the more-likely-than-not threshold would be recorded as a tax expense and liability in the current year. For the years ended december 31, 2024 and 2023 management has determined that there are no material uncertain tax positions.”
Raw XML AppendixShowing 400 of 461 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/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 450423 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 1095039 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | PROVIDE CREDIT UNION SERVICES TO MEMBERS. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 200688 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | ANGELINA MALDONADO |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 5592278329 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 3650 EAST ASHLAN AVENUE |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | FRESNO |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | CA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 93726 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 10712273 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 12267075 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 424280 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 74507 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 671974 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | 8985 BALBOA AVENUE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | SAN DIEGO |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | CA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 92123 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | JACK HENRY AND ASSOCIATES |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | ONLINE IT SYSTEMS |
| IRS990/CreditCounselingInd | 0 | 1 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 1063297 |
| IRS990/CYOtherExpensesAmt | 0 | 3153406 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 5319923 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 1052384 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 2177430 |
| IRS990/CYTotalExpensesAmt | 0 | 5330836 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 6383220 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 97450 |
| IRS990/Desc | 0 | UNITED LOCAL CREDIT UNION (THE CREDIT UNION) PROVIDES DEPOSIT SERVICES TO MEMBERS WHICH INCLUDES CHECKING, SAVINGS, CERTIFICATES OF DEPOSITS, IRA ACCOUNTS, COURTESY PAY, AND TRUST ACCOUNTS. THE TOTAL NUMBER OF MEMBERS AT THE CREDIT UNION AS OF 12/31/2024 WAS 8,219, WITH THE TOTAL DOLLAR AMOUNT OF SHARES AT YEAR-END OF $97,461,150. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 24 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 40141 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 57391 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 38837 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 29010 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 1000 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 39798 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 14956 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 37663 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | ANDY ANDERSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | DENISE BENELLI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | JIM HAZELRIGG |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | PAMELA NIELSEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | LARS OAKANDER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | ANGELINA MALDONADO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | SHERWOOD BROWN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | VIREN MISTRY |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 265666 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 103860 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 115635 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | VICE BOARD CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | BOARD CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | PRESIDENT/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | CONTROLLER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | VICE PRESIDENT/COO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1953 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 5 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 6383220 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 5 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 3 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 792396 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 1063297 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1063297 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 26608352 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 22739864 |
| IRS990/IRPDocumentCnt | 0 | 887 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 1568032 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 496815 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1128326 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 2696358 |
| IRS990/LegalDomicileStateCd | 0 | CA |
| IRS990/LoanOutstandingInd | 0 | 1 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 0 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | THE MISSION OF UNITED LOCAL CREDIT UNION IS TO BETTER THE LIVES OF EACH OF OUR HARD-WORKING MEMBERS VIA AN EXCELLENT FINANCIAL SERVICES RELATIONSHIP. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 21688998 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 22900037 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 317808 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 793104 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 6044041 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 6027225 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 158655 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 61397 |
| IRS990/OtherExpensesGrp/Desc | 0 | DIVIDENDS PAID TO MEMBE |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISON FOR LOAN LOSSE |
| IRS990/OtherExpensesGrp/Desc | 2 | DFPI |
| IRS990/OtherExpensesGrp/Desc | 3 | CASH SHORT/OVER |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 618477 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 137976 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 18263 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 7048 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 101484913 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 97403759 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1087279 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 78477735 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 77904342 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 26842 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 130006 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 474468 |
| IRS990/PoliticalCampaignActyInd | 0 | 1 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 364969 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 374412 |
| IRS990/PrincipalOfficerNm | 0 | ANGELINA MALDONADO |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | SERVICE CHARGES AND OTHER FEE INC |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OTHER NON-INTEREST INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 4220874 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 953442 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 141534 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 4220874 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 957515 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 141534 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 4073 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | UNITED LOCAL CREDIT UNION PROVIDES ELECTRONIC BANKING SERVICES TO SUPPORT DEPOSITS AND LOANS WITH AUTOMATED TELLER MACHINES, E-STATEMENTS, BILL PAY, AUDIO RESPONSE, TELECONTACT SERVICES, SUPPLEMENTAL NOTARY, SIGNATURE GAURANTEES, AND WIRES. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | UNITED LOCAL CREDIT UNION PROVIDES FULL-SERVICE LENDING INCLUDING AUTO, UNSECURED, CREDIT CARD AND MORTGAGE LOANS. THE TOTAL NUMBER OF BORROWERS AT THE CREDIT UNION AT 12/31/2024 WAS 3,637, WITH TOTAL OUTSTANDING LOANS OF $77,904,342. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 871742 |
| IRS990/PYOtherExpensesAmt | 0 | 3027306 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 5551352 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1270914 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2124874 |
| IRS990/PYTotalExpensesAmt | 0 | 5152180 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 6423094 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 960290 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 1014982 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1052384 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 21688998 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 22900037 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleC/Form1120POLFiledInd | 0 | 1 |
| IRS990ScheduleC/InternalFundsContributedAmt | 0 | 1000 |
| IRS990ScheduleC/PoliticalExpendituresAmt | 0 | 1000 |
| IRS990ScheduleC/Section527PoliticalOrgGrp/ContributionsRcvdDlvrAmt | 0 | 0 |
| IRS990ScheduleC/Section527PoliticalOrgGrp/EIN | 0 | 942329967 |
| IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt | 0 | CALIFORNIA CREDIT UNION PAC |
| IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt | 0 | 1000 |
| IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt | 0 | 1201 K STREET SUITE 150 |
| IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm | 0 | SACRAMENTO |
| IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd | 0 | CA |
| IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd | 0 | 95814 |
| IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt | 0 | UNITED LOCAL CREDIT UNION CONTRIBUTED TO THE CALIFORNIA CREDIT UNION POLITICAL ACTION COMMITTEE TO SUPPORT CREDIT UNION ISSUES. |
| IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART I-A, LINE 1: |
| IRS990ScheduleC/TotalExemptFunctionExpendAmt | 0 | 1000 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 460438 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1213602 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1674040 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 5330836 |
| IRS990ScheduleD/ExplanationProvidedInd | 0 | X |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 1 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 866 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 354430 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 355296 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 667022 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 667022 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 97403759 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 22500865 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 238999 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | CERTIFICATES OF DEPOSIT |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | SHARES IN A CORPORATE CU |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 6383220 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | UNITED LOCAL CREDIT UNION HOLDS FUNDS IN ESCROW IN ORDER TO PAY FOR REAL ESTATE TAXES AND HOMEOWNERS INSURANCE ON BEHALF OF ITS MORTGAGE LOAN MEMBERS. |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 1 | UNITED LOCAL CREDIT UNION (THE CREDIT UNION) IS EXEMPT, BY STATUTE, FROM FEDERAL INCOME TAXES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION DESCRIBED IN THE INTERNAL REVENUE CODE (IRC) SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. HOWEVER, THE CREDIT UNION IS SUBJECT TO UNRELATED BUSINESS INCOME TAX (UBIT). FASB CODIFICATION TOPIC 740, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED, AND PRESENTED IN THE FINANCIAL STATEMENTS. THIS REQUIRES AN EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITION ARE MORE-LIKELY-THAN-NOT "WHEN CHALLENGED OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS NOT DEEMED TO MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEARS ENDED DECEMBER 31, 2024 AND 2023 MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART IV, LINE 2B: |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1128326 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 22739864 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 5330836 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 97403759 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 6383220 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 6383220 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 5330836 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 265666 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 115635 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 24004 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 1 | 20587 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 15794 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 1 | 17076 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | ANGELINA MALDONADO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 1 | VIREN MISTRY |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT/CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 1 | VICE PRESIDENT/COO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 305464 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 1 | 153298 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | ANGELINA MALDONADO, PRESIDENT/CEO, AND VIREN MISTRY, VICE PRESIDENT/COO PARTICIPATED IN A RETENTION PAYMENT PLAN SPONSORED BY UNITED LOCAL CREDIT UNION. THERE WERE NO DISTRIBUTIONS FROM THE PLAN IN 2024. THE FOLLOWING DEFINED BENEFIT ACCRUAL AMOUNTS ARE INCLUDED IN DEFERRED COMPENSATION IN PART VII AND SCHEDULE J, PART II. ANGELINA MALDONADO - $24,004 VIREN MISTRY - $20,587 |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART I, LINE 4B |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 1014982 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | COLLATERAL ASSIGNED SPLIT-DOLLAR LIFE INSURANCE POLICY |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 900000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | ANGELINA MALDONADO |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | OFFICER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | 1 |
| IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt | 0 | UNITED LOCAL CREDIT UNION (THE CREDIT UNION) ENTERED INTO COLLATERAL SPLIT-DOLLAR LIFE INSURANCE AGREEMENTS FOR A KEY EMPLOYEE IN 2019. THE CREDIT UNION PROVIDED A LOAN TO THE KEY EMPLOYEE TO FUND THE PURCHASE OF A LIFE INSURANCE POLICY, WHICH IS OWNED AND CONTROLLED BY THE KEY EMPLOYEE. BY WAY OF THE COLLATERAL ASSIGNMENT AND SIDE ACCOUNT ASSIGNMENT FROM THE KEY EMPLOYEE TO THE CREDIT UNION, THE LOAN IS COLLATERALIZED BY THE LIFE INSURANCE POLICY, BEARS AN INTEREST RATE OF 2.68%, AND IS NON-RECOURSE. THE KEY EMPLOYEE AND THE KEY EMPLOYEE'S ESTATE AND BENEFICIARIES ARE NOT PERSONALLY OBLIGATED TO PAY THE OUTSTANDING BALANCE. THE POLICY, PREMIUM DEPOSIT ACCOUNT, AND SIDE ACCOUNT, WHICH TOGETHER COMPRISE THE TOTAL ASSET VALUE, ARE THE SOLE SOURCES FOR THE LOAN PAYMENTS. THE LOAN PROVIDED TO THE KEY EMPLOYEE IS INCLUDED WITH OTHER ASSETS ON THE STATEMENTS OF FINANCIAL CONDITION, IS CARRIED AT THE RESPECTIVE LOAN BALANCE WITH CUMULATIVE INTEREST AND TOTALED APPROXIMATELY $1,014,982 AT DECEMBER 31, 2024. ALL LIFE INSURANCE POLICY PREMIUMS ARE PAID OUT OF PROCEEDS FROM THE LOAN. THE DEATH BENEFIT OF THE LIFE INSURANCE POLICY IS INTENDED TO BE THE PRIMARY SOURCE OF LOAN REPAYMENT, WITH THE PROCEEDS UPON DEATH TO BE ALLOCATED FIRST TO THE OUTSTANDING BALANCE OF THE LOAN TO THE CREDIT UNION, SECONDLY TO THE KEY EMPLOYEE'S ESTATE FOR THE AMOUNT (IF ANY) OF THE VESTED PERCENTAGE EXCEEDING THE AMOUNTS BORROWED, AND THIRDLY (IF ANY) TO BE DIVIDED EQUALLY BETWEEN THE CREDIT UNION AND THE KEY EMPLOYEE'S ESTATE. |
| IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | SCHEDULE L, PART II - LOANS TO INTERESTED PERSONS: |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 1014982 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | UNITED LOCAL CREDIT UNION HAS MEMBERS AS SPECIFIED IN ITS BYLAWS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | UNITED LOCAL CREDIT UNION MEMBERS HAVE THE POWER TO ELECT MEMBERS OF THE GOVERNING BODY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | UNITED LOCAL CREDIT UNION MEMBERS HAVE THE POWER TO ELECT AND REMOVE MEMBERS OF THE GOVERNING BODY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | UNITED LOCAL CREDIT UNION DOES NOT HAVE COMMITTEES WITH AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE FORM 990 IS REVIEWED BY THE PRESIDENT/CHIEF EXECUTIVE OFFICER, AND A COPY OF THE FORM 990 WILL BE PROVIDED TO THE BOARD OF DIRECTORS BEFORE FILING WITH THE INTERNAL REVENUE SERVICE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | UNITED LOCAL CREDIT UNION'S BOARD MEMBERS, SUPERVISORY COMMITTEE, OTHER COMMITTEES, OFFICIALS, AND EMPLOYEES MUST NEVER USE THEIR POSITION FOR PERSONAL PROFIT OR GAIN, MUST NOT ENGAGE DIRECTLY OR INDIRECTLY IN ANY COVER-UP OR OBSTRUCTION OF QUESTIONABLE PRACTICES, AND MUST EXHIBIT DILIGENCE AND COMPLETE HONESTY IN DEALING WITH ALL CREDIT UNION MATTERS. WHEN THERE IS A PERSONAL INTEREST IN A CONTRACT, TRANSACTION, OR RELATIONSHIP TO WHICH THAT PERSON, PERSON'S FAMILY OR ANY BUSINESS AFFILIATES MAY BE A PARTY, THE EXISTENCE OF SUCH INTEREST MUST BE DISCLOSED AND THE NATURE OF SUCH INTEREST DESCRIBED TO THE BOARD PRIOR TO THE TIME ANY ACTION IS TAKEN BY THE BOARD DIRECTORS, COMMITTEE MEMBERS OR OFFICIALS WITH RESPECT TO THE MATTER. THE INTERESTED PARTY SHALL NOT DIRECTLY OR INDIRECTLY PARTICIPATE IN ANY DELIBERATION OR DETERMINATION OF THE MATTER AND SHOULD TAKE ALL REASONABLE STEPS TO AVOID THE CONFLICT. IF THERE IS EVEN THE APPEARANCE OF THE CONFLICT, INCLUDING EXCUSING HIMSELF OR HERSELF FROM ALL RELEVANT DISCUSSIONS AND DECISIONS, THE INTERESTED PARTY IS TO BE HELD TO THE SAME STANDARDS AS IF THERE IS AN ACTUAL CONFLICT. THE ORGANIZATION REGULARLY AND CONSISTENTLY MONITORS AND ENFORCES COMPLIANCE WITH THE POLICY BY HAVING THE BOARD AND STAFF FILL OUT ANNUAL DISCLOSURES AND SUBMITS THEM FOR REVIEW. ANY CONFLICTS OR APPEARANCE OF CONFLICT ARE REVIEWED BY THE BOARD OF DIRECTORS, WITH ANY INTERESTED PARTY EXCUSING THEMSELF FROM ANY DISCUSSION OR DECISION. IF A CONFLICT OF INTEREST HAS OCCURRED, THE RESTRICTIONS IMPOSED ARE DETERMINED ON A CASE BY CASE BASIS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | UNITED LOCAL CREDIT UNION USES A COMPENSATION SURVEY OF COMPARABLE PERSONS IN COMPARABLE POSITIONS AT SIMILAR ORGANIZATIONS TO DETERMINE THE CHIEF EXECUTIVE OFFICER'S COMPENSATION. THE DECISION IS REVIEWED AND APPROVED BY UNITED LOCAL CREDIT UNION'S GOVERNING BODY AND IS CONTEMPORANEOUSLY DOCUMENTED IN THE BOARD MEETING MINUTES. THE LAST TIME THIS PROCESS OCCURRED WAS IN 2024. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | UNITED LOCAL CREDIT UNION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND AUDITED FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST IN THE SAME TIME AND MANNER AS OTHER DISCLOSURES REQUIRED UNDER INTERNAL REVENUE CODE SECTION 6104. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | CHANGE IN OTHER COMPREHENSIVE INCOME 158,655. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | THE OVERSIGHT AND SELECTION PROCESS HAS NOT CHANGED FROM PRIOR TAX YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION A, LINE 8B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION B, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PART XI, LINE 9: |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | FORM 990, PART XII, LINE 2C: |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | CA |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 123664475 |
| IRS990/TotalAssetsEOYAmt | 0 | 121456226 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 123664475 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 121456226 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.