Liabilities / Assets
96th percentile
Higher debt load relative to assets than 96% of similar nonprofits.
990 • Fiscal year 2018 • EIN 94-1521282
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
96th percentile
Higher debt load relative to assets than 96% of similar nonprofits.
Liabilities / Revenue
83rd percentile
Higher debt load relative to revenue than 83% of similar nonprofits.
Net Margin
13th percentile
Higher net margin than 13% of similar nonprofits.
Top Officer Pay
63rd percentile
Higher top officer pay than 63% of similar nonprofits.
Top officer pay equals 12.4% of source-year revenue.
Asset Growth
42nd percentile
Faster asset growth than 42% of similar nonprofits.
Revenue Growth
16th percentile
Faster revenue growth than 16% of similar nonprofits.
Assets
Down$18,205,802
Down $184,156 (-1.0%) from 2017
Net Assets
Down$1,354,050
Down $14,065 (-1.0%) from 2017
Liabilities
Down$16,851,752
Down $170,091 (-1.0%) from 2017
Revenue
Up$673,251
Up $18,589 (+2.8%) from 2017
Expenses
Up$686,916
Up $36,498 (+5.6%) from 2017
Net Income
Down-$13,665
Down $17,909 (-422%) from 2017
Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of San Francisco Bay Area Educators Credit Union.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $8,809,057 | $7,541,213 | ▼ $1,267,844 |
| Investments Program Related | $5,541,965 | $7,086,965 | ▲ $1,545,000 |
| Land, Buildings, and Equipment, Net | $1,870,444 | $1,851,869 | ▼ $18,575 |
| Rtn Earn Endowment Incm Other Fnds | $1,368,115 | $1,354,050 | ▼ $14,065 |
| Savings and Temporary Cash Investments | $1,101,866 | $1,308,223 | ▲ $206,357 |
| Receivables From Officers Etc | $610,442 | $175,503 | ▼ $434,939 |
| Prepaid Expenses and Deferred Charges | $38,228 | $28,048 | ▼ $10,180 |
| Cash and Non-Interest-Bearing Accounts | $2 | $17,073 | ▲ $17,071 |
| 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 | - |
| Total Assets | $18,190,785 | $18,205,802 | ▲ $15,017 |
| Other Assets Total | $218,781 | $196,908 | ▼ $21,873 |
| Liabilities | |||
| Other Liabilities | $16,890,071 | $16,745,743 | ▼ $144,328 |
| Accounts Payable and Accrued Expenses | $-67,401 | $106,009 | ▲ $173,410 |
| Total Liabilities | $16,822,670 | $16,851,752 | ▲ $29,082 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,368,115 | $1,354,050 | ▼ $14,065 |
| Total Liabilities and Net Assets / Fund Balance | $18,190,785 | $18,205,802 | ▲ $15,017 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $683,439 | $19,231 | $702,670 |
| Land | $702,670 | - | $702,670 |
| Leasehold Improvements | $411,892 | $9,765 | $421,657 |
| Other Land Buildings | $53,868 | $47,807 | $101,675 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Victoria Fong | CEO | FT | $62,550 | $21,200 | $83,750 |
| Name | Title |
|---|---|
| Steven Edwards | BD Chairman |
| Linda Plack | SC Chairman |
| Owen Raven | BD Vice Chairma |
| Emily Sparkhul | BD Director |
| Judith Grady | BD Director |
| Robert Fesler | Board Director |
| JoAnn Vail | Board Secretary |
| Timothy Tindol | BD Treasurer |
| Emily Morton | CEO |
| Ken Grady | SC member |
| Line Item | Amount |
|---|---|
| Other Expenses | $494,117 |
| Salaries, Compensation, and Employee Benefits | $189,721 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Office Expenses | - | - | - | $183,317 |
| Fees for Services Other | - | - | - | $170,471 |
| Other Salaries and Wages | - | - | - | $105,971 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $83,750 |
| Occupancy | - | - | - | $59,611 |
| Other Expenses | - | - | - | $4,305 |
| Benefits to Members | - | - | - | $3,078 |
| Advertising | - | - | - | $2,179 |
| Total Functional Expenses | $0 | $0 | $0 | $686,916 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $610,442 | $175,503 | ▼ $434,939 |
| Receivables from Disqualified Persons | - | $0 | - |
| Liability | Amount |
|---|---|
| Regular Shares | $11,622,769 |
| Share Drafts | $3,115,473 |
| IRA/KEOGH Accounts | $1,919,384 |
| Share Certificates | $86,218 |
| All Other Shares | $1,899 |
“Members.”
“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).”
“Yes, 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.”
“Financial statements are posted in the lobby. Financials and other information are available at NCUA website.”
“= -$400”
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 | true |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | -67401 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 106009 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of San Francisco Bay Area Educators Credit Union. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 2179 |
| IRS990/AllAffiliatesIncludedInd | 0 | false |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 0 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 3078 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Victoria Fong |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4156647471 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 851 Vanness Ave |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | San Francisco |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | CA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 94109 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 2 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 17073 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 83750 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | false |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 0 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 3078 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 120996 |
| IRS990/CYOtherExpensesAmt | 0 | 494117 |
| IRS990/CYOtherRevenueAmt | 0 | 100832 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 451423 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -13665 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 189721 |
| IRS990/CYTotalExpensesAmt | 0 | 686916 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 673251 |
| IRS990/DAFExcessBusinessHoldingsInd | 0 | false |
| IRS990/DecisionsSubjectToApprovaInd | 0 | false |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 0 |
| IRS990/Desc | 0 | Provided deposit and loan accounts to members. Provided low cost source of credit and low cost financial services to our members. Provided source of member savings and checking account needs. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DistributionToDonorInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 7 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/EscrowAccountInd | 0 | false |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 170471 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 8 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 9 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 10 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/FormerOfcrDirectorTrusteeInd | 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/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | 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 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 21200 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Judith Grady |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Owen Raven |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Steven Edwards |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Timothy Tindol |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Emily Sparkhul |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | JoAnn Vail |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Robert Fesler |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Ken Grady |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Linda Plack |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Victoria Fong |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Emily Morton |
| 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 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 62550 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
| 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/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | BD Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | BD Vice Chairma |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | BD Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | BD Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BD Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Board Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Board Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | SC member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | SC Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | CEO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/Form990TFiledInd | 0 | false |
| IRS990/FormationYr | 0 | 1955 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | true |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 673251 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 0 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 0 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 120996 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 120996 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 5541965 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 7086965 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/InvestTaxExemptBondsInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 27 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 76803 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1870444 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1851869 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 1928672 |
| IRS990/LegalDomicileStateCd | 0 | CA |
| IRS990/LicensedMoreThanOneStateInd | 0 | false |
| IRS990/LoanOutstandingInd | 0 | true |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of San Francisco Bay Area Educators Credit Union. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 1368115 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1354050 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 59611 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 183317 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OnBehalfOfIssuerInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OrgFiledInLieuOfForm1041Ind | 0 | false |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 218781 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 196908 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -400 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/Desc | 0 | Provision for Loan Losses |
| IRS990/OtherExpensesGrp/Desc | 1 | Misc Operating Expense |
| IRS990/OtherExpensesGrp/Desc | 2 | Loan servicing |
| IRS990/OtherExpensesGrp/Desc | 3 | Operating Fees |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 48015 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 18110 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 8109 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 4305 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 16890071 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 16745743 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | Fee Income |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | Other non operating incom |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | Other Operating Income |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 23496 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 77336 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 23496 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 77336 |
| IRS990/OtherRevenueTotalAmt | 0 | 100832 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 105971 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 8809057 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 7541213 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 38228 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 28048 |
| IRS990/PrincipalOfficerNm | 0 | Victoria Fong |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest on loans |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 451423 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 451423 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 3038 |
| IRS990/PYInvestmentIncomeAmt | 0 | 80917 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 446947 |
| IRS990/PYOtherRevenueAmt | 0 | 89352 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 484393 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 4244 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 200433 |
| IRS990/PYTotalExpensesAmt | 0 | 650418 |
| IRS990/PYTotalRevenueAmt | 0 | 654662 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 610442 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 175503 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -13665 |
| IRS990/RegularMonitoringEnfrcInd | 0 | false |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | true |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 1368115 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1354050 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 1101866 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 1308223 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 683439 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 19231 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 702670 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 702670 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 702670 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 411892 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 9765 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 421657 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 53868 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 47807 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 101675 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 1899 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 1919384 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 11622769 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 86218 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 3115473 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | All Other Shares |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | IRA/KEOGH Accounts |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | Regular Shares |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | Share Certificates |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | Share Drafts |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1851869 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 7086965 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 16745743 |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | true |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | false |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 175323 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 1 | 180 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 1 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 1 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 1 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | Mortgage |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 1 | Credit card |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 200000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | Steven Edwards |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 1 | Tim Tindol |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | Brd Mbr |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 1 | Board member |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 1 | true |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 175503 |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Members. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | 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). |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Yes, 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Financial statements are posted in the lobby. Financials and other information are available at NCUA website. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | = -$400 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Line 11b: Form 990 Review Process |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Line 19: Other Organization Documents Publicly Available |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Other Changes In Net Assets Or Fund Balances - Other Decreases |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | false |
| IRS990/TaxableDistributionsInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 18190785 |
| IRS990/TotalAssetsEOYAmt | 0 | 18205802 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 18190785 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 18205802 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 7 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 686916 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 16822670 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 16851752 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 16822670 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 16851752 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1368115 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1354050 |
| IRS990/TotalOtherCompensationAmt | 0 | 21200 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 451423 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 62550 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 673251 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 673251 |
| IRS990/TotalVolunteersCnt | 0 | 9 |
No mirrored PDF or thumbnail assets are attached yet.
Displayed year
2018 • Form 990Detailed filing. Detailed filing data is available for this year.