Civic Intelligence

Sacramento Credit Union

EIN 94-1530642 • 501(c)14 • Sacramento, CA

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Profile

Sacramento credit union's mission is to provide prompt, competitive, quality consumer financial services to our members in a friendly, professional, and prudent manner.

PO Box 2351Sacramento, CA 95812-2351

www.sactocu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

14th percentile

0.85x

Higher debt load relative to assets than 14% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

73rd percentile

16.51x

Higher debt load relative to revenue than 73% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

94th percentile

24%

Higher net margin than 94% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

94th percentile

$944,189

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 2.4% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

5th percentile

-5.7%

Faster asset growth than 5% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

96th percentile

35%

Faster revenue growth than 96% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets14th percentile

Assets

Down

$760,065,390

Down $46,050,225 (-5.7%) from 2023

Liabilities

Down

$649,597,935

Down $55,181,108 (-7.8%) from 2023

Net Assets

Up

$110,467,455

Up $9,130,883 (+9.0%) from 2023

Operations
Liabilities / Revenue73rd percentileNet Margin94th percentile

Revenue

Up

$39,334,366

Up $10,118,013 (+35%) from 2023

Expenses

Up

$29,865,077

Up $7,641,522 (+34%) from 2023

Net Income

Up

$9,469,289

Up $2,476,491 (+35%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth5th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$1.0B$500M$0Assets 2010: $331,333,067Liabilities 2010: $293,695,155Net Assets 2010: $37,637,9122010Assets 2011: $340,396,047Liabilities 2011: $301,699,483Net Assets 2011: $38,696,5642011Assets 2012: $351,148,912Liabilities 2012: $308,168,134Net Assets 2012: $42,980,7782012Assets 2013: $370,496,276Liabilities 2013: $323,845,862Net Assets 2013: $46,650,4142013Assets 2014: $386,093,186Liabilities 2014: $335,969,935Net Assets 2014: $50,123,2512014Assets 2015: $403,767,162Liabilities 2015: $349,487,060Net Assets 2015: $54,280,1022015Assets 2016: $436,697,395Liabilities 2016: $378,459,588Net Assets 2016: $58,237,8072016Assets 2017: $461,723,252Liabilities 2017: $398,518,582Net Assets 2017: $63,204,6702017Assets 2018: $476,472,075Liabilities 2018: $407,255,691Net Assets 2018: $69,216,3842018Assets 2019: $498,944,488Liabilities 2019: $422,768,486Net Assets 2019: $76,176,0022019Assets 2020: $606,462,494Liabilities 2020: $523,442,253Net Assets 2020: $83,020,2412020Assets 2021: $686,832,962Liabilities 2021: $598,027,509Net Assets 2021: $88,805,4532021Assets 2022: $713,970,677Liabilities 2022: $619,046,869Net Assets 2022: $94,923,8082022Assets 2023: $806,115,615Liabilities 2023: $704,779,043Net Assets 2023: $101,336,5722023Assets 2024: $760,065,390Liabilities 2024: $649,597,935Net Assets 2024: $110,467,4552024

Highlighted filing

2024

Assets$760,065,390
Liabilities$649,597,935
Net Assets$110,467,455
Open 2024 Filing

Operations Trend

Revenue Growth96th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$40M$30M$20M$10M$0Expenses 2010: $15,500,8402010Expenses 2011: $13,127,1562011Expenses 2012: $11,046,2032012Revenue 2013: $14,700,203Expenses 2013: $11,030,567Net Income 2013: $3,669,6362013Revenue 2014: $14,175,666Expenses 2014: $10,702,829Net Income 2014: $3,472,8372014Revenue 2015: $14,944,539Expenses 2015: $10,787,688Net Income 2015: $4,156,8512015Revenue 2016: $16,100,884Expenses 2016: $12,143,179Net Income 2016: $3,957,7052016Revenue 2017: $17,787,266Expenses 2017: $12,820,403Net Income 2017: $4,966,8632017Revenue 2018: $19,543,970Expenses 2018: $13,532,256Net Income 2018: $6,011,7142018Revenue 2019: $22,005,987Expenses 2019: $15,046,369Net Income 2019: $6,959,6182019Revenue 2020: $23,272,009Expenses 2020: $16,427,770Net Income 2020: $6,844,2392020Revenue 2021: $22,206,265Expenses 2021: $16,421,053Net Income 2021: $5,785,2122021Revenue 2022: $23,666,201Expenses 2022: $17,547,846Net Income 2022: $6,118,3552022Revenue 2023: $29,216,353Expenses 2023: $22,223,555Net Income 2023: $6,992,7982023Revenue 2024: $39,334,366Expenses 2024: $29,865,077Net Income 2024: $9,469,2892024

Highlighted filing

2024

Revenue$39,334,366
Expenses$29,865,077
Net Income$9,469,289
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$760,065,390
Liabilities
$649,597,935
Net assets
$110,467,455
Revenue
$39,334,366
Expenses
$29,865,077
Net income
$9,469,289
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$760$650$110$39.3$29.9$9.47
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$806$705$101$29.2$22.2$6.99
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$714$619$94.9$23.7$17.5$6.12
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$687$598$88.8$22.2$16.4$5.79
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$606$523$83.0$23.3$16.4$6.84
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$499$423$76.2$22.0$15.0$6.96
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$476$407$69.2$19.5$13.5$6.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$462$399$63.2$17.8$12.8$4.97
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$437$378$58.2$16.1$12.1$3.96
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$404$349$54.3$14.9$10.8$4.16
2014Detailed filing. Detailed filing data is available for this year.$386$336$50.1$14.2$10.7$3.47
2013Detailed filing. Detailed filing data is available for this year.$370$324$46.7$14.7$11.0$3.67
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$351$308$43.0$11.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$340$302$38.7$13.1
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$331$294$37.6$15.5
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 22, 2025
Return Version
2024v5.2
Gross Receipts
$39,690,538
Mission and Program Overview

Mission

Sacramento credit union's mission is to provide prompt, competitive, quality consumer financial services to our members in a friendly, professional, and prudent manner.

To provide prompt, competitive, quality consumer financial services to our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$401,972,927$419,070,147▲ $17,097,220
Investments Other Securities$225,268,534$243,734,157▲ $18,465,623
Rtn Earn Endowment Incm Other Fnds$101,336,572$110,467,455▲ $9,130,883
Savings and Temporary Cash Investments$145,709,500$60,482,566▼ $85,226,934
Receivables From Officers Etc$3,644,448$3,874,323▲ $229,875
Land, Buildings, and Equipment, Net$3,802,942$3,561,906▼ $241,036
Cash and Non-Interest-Bearing Accounts$2,799,661$3,160,050▲ $360,389
Accounts Receivable$665,843$1,065,473▲ $399,630
Prepaid Expenses and Deferred Charges$509,818$634,702▲ $124,884
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$806,115,615$760,065,390▼ $46,050,225
Other Assets Total$21,741,942$24,482,066▲ $2,740,124
Liabilities
Other Liabilities$606,205,991$641,444,058▲ $35,238,067
Mortgage Notes Payable Secured by Investment Property$89,403,156$0▼ $89,403,156
Accounts Payable and Accrued Expenses$9,169,896$8,153,877▼ $1,016,019
Total Liabilities$704,779,043$649,597,935▼ $55,181,108
Net Assets / Fund Balance
Total Net Assets Fund Balance$101,336,572$110,467,455▲ $9,130,883
Total Liabilities and Net Assets / Fund Balance$806,115,615$760,065,390▼ $46,050,225

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,378,112$5,576,137$6,954,249
Equipment$1,047,189$3,356,930$4,404,119
Leasehold Improvements$903,105$1,606,357$2,509,462
Land$233,500-$233,500
Other Securities$22,502,490--
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tarik EldinDirector Investment ServicesFT$26,051$918,138$944,189
Bhavnesh MakinPresident/chief Executive OfficerFT$404,453$121,188$525,641
Michael HastingsFinancial AdvisorFT$22,908$245,034$267,942
Glenda KaiserChief Financial OfficerFT$205,756$58,762$264,518
Julie ShepherdVP LendingFT$164,308$50,857$215,165
Karl GoinVP MarketingFT$151,798$36,174$187,972
Aletha HickeyVP Human ResourcesFT$138,754$31,425$170,179

Board Members and Trustees

NameTitle
Les BrownChair
Willie Southward IiiVice Chair
Herman LiDirector
Jim CulletonDirector
Judy McgarryDirector
Ross HugginsDirector
Aron BrewerSecretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & Associates INCCard Processor & Data ProcessingPO BOX 609, Monett, MO 65708$920,674
Ncr CorporationOnline/mobile Banking ProviderPO BOX 740641, Los Angeles, CA 90074$272,181
Cook Solutions GroupAtm Servicer9225 NE CASCADES PKWY, Portland, OR 97220$266,440
Rsm US LLPCPA4650 EAST 53RD ST, Davenport, IA 52807$180,632
Meridian LinkLoan And New Accounts PlatformPO BOX 846822, Los Angeles, CA 90084$163,884
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$27,790,325
Investment Income
$11,522,572
Other Revenue
$21,469
Change in Net Assets
$9,469,289
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$19,893,965
Salaries, Compensation, and Employee Benefits$9,971,112
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$7,364,287
Interest---$3,681,635
Information Technology---$1,347,534
Occupancy---$1,048,426
Other Employee Benefits---$826,364
Current Officers, Directors, Trustees, and Key Employees---$790,159
Depreciation Depletion---$741,943
Fees for Services Other---$645,744
Payroll Taxes---$546,382
Other Expenses---$476,996
Pension Plan Contributions---$443,920
Advertising---$360,469
Fees for Services Legal---$334,520
Office Expenses---$304,738
All Other Expenses---$269,719
Fees for Services Accounting---$167,331
Travel---$141,822
Insurance---$86,265
Fees for Services Lobbying---$3,000
Total Functional Expenses$0$0$0$29,865,077
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$3,000
Total Exempt Function Spending$3,000
Section 527 Activity Spending$0

Section 527 Organizations

OrganizationLocationAmount
99-9999999Ontario, CA$3,000
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$3,644,448$3,874,323▲ $229,875
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Core Deposits$187,669,338
Share Certificates$161,766,682
Sharedraft With Dividends$128,752,238
Money Market$113,067,623
Sharedraft Without Dividends$39,385,335
Ira Certificates$6,965,071
IRA SHARES: TRADITIONAL$3,359,501
IRA SHARES: ROTH & EDUCATION$478,270
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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

“Sacramento credit union has members as specified in its bylaws.”

Form 990, Part VI, Section A, Line 7A

“Sacramento credit union members have the power to elect the members of the governing body.”

Form 990, Part VI, Section A, Line 7B

“Sacramento credit union members have the power to elect and remove members of the governing body.”

Form 990, Part VI, Section A, Line 8B

“Sacramento 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 chief financial officer and then provided to the board of directors prior to filing with the internal revenue service.”

Form 990, Part VI, Section B, Line 15A

“A compensation benchmarking system, compease, is used annually to benchmark our salaries against similarly situated companies. Compease is also used to establish salary ranges for all positions. When setting officer and key employee compensation, factors taken into consideration are compa ratio, subject expertise, industry experience, job tenure and job performance. The chief executive officer approves all salary ranges based on data provided from compease. The board of directors consults with a third-party consultant to establish the chief executive officer's compensation. The board of directors keeps contemporaneous documentation of the decision-making process used to determine the chief executive officer compensation. This process last occurred in may of 2025.”

Form 990, Part VI, Section C, Line 19

“Sacramento credit union (the 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
Sacramento Credit Union
EIN
94-1530642
Phone
9164446070
Address
PO BOX 2351, SACRAMENTO, CA 95812-2351

Signing Officer

Name
Glenda Kaiser
Title
CFO
Phone
9164446070
Signed
2025-08-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Bhavnesh Makin
Formed
1935
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
124
Volunteers
12

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 IV, LINE 12A & PART XII, LINE 2B:

“Sacramento credit union's (the credit union) financial statements are audited on a separate basis by an independent accountant. However, the financial statements are audited on a fiscal year-end basis of september 30th, while the credit union's tax year-end is december 31st.”

Raw XML AppendixShowing 400 of 633 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/AccountantCompileOrReviewInd00
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IRS990/AccountsPayableAccrExpnssGrp/EOYAmt08153877
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IRS990/AccountsReceivableGrp/EOYAmt01065473
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE PROMPT, COMPETITIVE, QUALITY CONSUMER FINANCIAL SERVICES TO OUR MEMBERS.
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IRS990/AllOtherExpensesGrp/TotalAmt0269719
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IRS990/BooksInCareOfDetail/USAddress/CityNm0SACRAMENTO
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IRS990/CompensationFromOtherSrcsInd00
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IRS990/CompensationProcessOtherInd00
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IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0920674
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4LOS ANGELES
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IRS990/Desc0ESTABLISHED MARCH 18, 1935, SACRAMENTO CREDIT UNION (THE CREDIT UNION) IS INCORPORATED UNDER SECTION 14100 OF THE CREDIT UNION DIVISION OF THE STATE OF CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT. THE CREDIT UNION IS A FEDERALLY INSURED COMMUNITY CREDIT UNION SERVING 28,838 MEMBERS ACROSS THE FOLLOWING COUNTIES: SACRAMENTO, EL DORADO, PLACER, SOLANO, SUTTER, YOLO, AND YUBA. COMPOSED OF INDIVIDUALS, CORPORATIONS, PARTNERSHIPS, AND OTHER LEGAL ENTITIES, THE CREDIT UNION MAINTAINS THE STANDARDS OF A TRADITIONAL MEMBER-OWNED COOPERATIVE WHILE PROVIDING SUPERIOR FINANCIAL SERVICES AT SEVEN LOCATIONS AS WELL AS CONVENIENT PAYMENT OPPORTUNITIES AFFORDED BY ONLINE BANKING, BILL PAY, MOBILE BANKING, POINT-OF-SALE, AND ATM TRANSACTIONS.
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IRS990/EmploymentTaxReturnsFiledInd01
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IRS990/FederalGrantAuditRequiredInd00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt738250
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt836003
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt950554
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1036006
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1124962
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1219588
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1316530
IRS990/Form990PartVIISectionAGrp/PersonNm0ARON BREWER
IRS990/Form990PartVIISectionAGrp/PersonNm1LES BROWN
IRS990/Form990PartVIISectionAGrp/PersonNm2JIM CULLETON
IRS990/Form990PartVIISectionAGrp/PersonNm3ROSS HUGGINS
IRS990/Form990PartVIISectionAGrp/PersonNm4HERMAN LI
IRS990/Form990PartVIISectionAGrp/PersonNm5JUDY MCGARRY
IRS990/Form990PartVIISectionAGrp/PersonNm6WILLIE SOUTHWARD III
IRS990/Form990PartVIISectionAGrp/PersonNm7BHAVNESH MAKIN
IRS990/Form990PartVIISectionAGrp/PersonNm8GLENDA KAISER
IRS990/Form990PartVIISectionAGrp/PersonNm9TARIK ELDIN
IRS990/Form990PartVIISectionAGrp/PersonNm10MICHAEL HASTINGS
IRS990/Form990PartVIISectionAGrp/PersonNm11JULIE SHEPHERD
IRS990/Form990PartVIISectionAGrp/PersonNm12KARL GOIN
IRS990/Form990PartVIISectionAGrp/PersonNm13ALETHA HICKEY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7487391
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8228515
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9893635
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10231936
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11190203
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12168384
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13153649
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/TitleTxt0SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT/CHIEF EXECUTIVE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR INVESTMENT SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt10FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP HUMAN RESOURCES
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01935
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0-11687
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0194959
IRS990/GrossReceiptsAmt039690538
IRS990/GrossRentsGrp/RealAmt0170995
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt014
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01347534
IRS990/InsuranceGrp/TotalAmt086265
IRS990/InterestGrp/TotalAmt03681635
IRS990/InvestmentIncomeGrp/ExclusionAmt07479203
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt011534259
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt04055056
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0225268534
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0243734157
IRS990/IRPDocumentCnt09893
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt010539424
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03802942
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03561906
IRS990/LandBldgEquipCostOrOtherBssAmt014101330
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0206646
IRS990/LessRentalExpensesGrp/RealAmt0149526
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd00
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0SACRAMENTO CREDIT UNION'S MISSION IS TO PROVIDE PROMPT, COMPETITIVE, QUALITY CONSUMER FINANCIAL SERVICES TO OUR MEMBERS IN A FRIENDLY, PROFESSIONAL, AND PRUDENT MANNER.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt089403156
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt0101336572
IRS990/NetAssetsOrFundBalancesEOYAmt0110467455
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-11687
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-11687
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt021469
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt021469
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-338406
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01048426
IRS990/OfficeExpensesGrp/TotalAmt0304738
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt021741942
IRS990/OtherAssetsTotalGrp/EOYAmt024482066
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0826364
IRS990/OtherExpensesGrp/Desc0DIVIDENDS PAID TO MEMBE
IRS990/OtherExpensesGrp/Desc1VISA OPERATIONS
IRS990/OtherExpensesGrp/Desc2LENDING AND COLLECTIONS
IRS990/OtherExpensesGrp/Desc3ATM OPERATIONS
IRS990/OtherExpensesGrp/TotalAmt08670385
IRS990/OtherExpensesGrp/TotalAmt11028646
IRS990/OtherExpensesGrp/TotalAmt2584792
IRS990/OtherExpensesGrp/TotalAmt3476996
IRS990/OtherLiabilitiesGrp/BOYAmt0606205991
IRS990/OtherLiabilitiesGrp/EOYAmt0641444058
IRS990/OtherSalariesAndWagesGrp/TotalAmt07364287
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0401972927
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0419070147
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0546382
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0443920
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0509818
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0634702
IRS990/PrincipalOfficerNm0BHAVNESH MAKIN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0NET LOAN PORTFOLIO
IRS990/ProgramServiceRevenueGrp/Desc1OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt020297788
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt16132252
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21238700
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt020297788
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt16253837
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21238700
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0121585
IRS990/ProgSrvcAccomActy2Grp/Desc0SACRAMENTO CREDIT UNION (THE CREDIT UNION) OFFERS A WIDE RANGE OF COMPETITIVELY PRICED CONSUMER LOAN PRODUCTS TO HELP MEMBERS WITH FINANCING FOR VEHICLES AND FIRST MORTGAGES. FINANCING IS ALSO AVAILABLE IN THE FORM OF SECURED AND UNSECURED LINES OF CREDIT. REGARDING THE LATTER, THE CREDIT UNION OFFERS VISA PLATINUM CREDIT CARDS BOTH WITH AND WITHOUT THE POPULAR REWARDS FEATURE. THE CREDIT UNION ALSO OFFERS COMMERCIAL REAL ESTATE LOANS AND SBA LOANS.
IRS990/ProgSrvcAccomActy3Grp/Desc0SACRAMENTO CREDIT UNION OFFERS A BROAD RANGE OF DEPOSIT PRODUCTS TO ASSIST MEMBERS IN MANAGING CASH FLOW AND SAVING FOR THE FUTURE. INSURED TO AT LEAST $250,000 AND BACKED BY THE FULL FAITH AND CREDIT OF THE FEDERAL GOVERNMENT, SAVINGS OPPORTUNITIES INCLUDE THE FOLLOWING COMPETIVELY PRICED ACCOUNTS: REGULAR, VACATION CLUB, HOLIDAY, IRA, MONEY MARKET, REGULAR AND REWARDS CHECKING, AND CERTIFICATES OF DEPOSIT. SAVINGS IS MADE CONVENIENT VIA DIRECT DEPOSIT OF PAY CHECKS AS WELL AS ANY OTHER RECURRING SOURCE OF CASH INFLOW. THROUGH ONLINE, MOBILE OR TELEPHONE BANKING, MEMBERS CAN EASILY TRANSFER FUNDS BETWEEN SAVINGS ACCOUNTS OR MAKE PAYMENT ON LOANS. ALSO AVAILABLE ARE INVESTMENT SERVICES PROVIDED BY CERTIFIED IN-HOUSE FINANCIAL ADVISORS.
IRS990/ProhibitedTaxShelterTransInd00
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IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
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IRS990/PYOtherExpensesAmt013247280
IRS990/PYOtherRevenueAmt033192
IRS990/PYProgramServiceRevenueAmt022860181
IRS990/PYRevenuesLessExpensesAmt06992798
IRS990/PYSalariesCompEmpBnftPaidAmt08976275
IRS990/PYTotalExpensesAmt022223555
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt029216353
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt03644448
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt03874323
IRS990/ReconcilationRevenueExpnssAmt09469289
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt021469
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0101336572
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0110467455
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0145709500
IRS990/SavingsAndTempCashInvstGrp/EOYAmt060482566
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Expended527ActivitiesAmt00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt03000
IRS990ScheduleC/PoliticalExpendituresAmt03000
IRS990ScheduleC/Section527PoliticalOrgGrp/ContributionsRcvdDlvrAmt00
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0999999999
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CCUL PAC
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt03000
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt02855 E GUASTI ROAD SUITE 202
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0ONTARIO
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0CA
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd091761
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0SACRAMENTO CREDIT UNION PARTICIPATES IN POLITICAL CAMPAIGN ACTIVITIES SO WE HAVE AN OPPORTUNITY TO PROVIDE INPUT ON LEGISLATION THAT AFFECTS CREDIT UNIONS.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I-A, LINE 1:
IRS990ScheduleC/TotalExemptFunctionExpendAmt03000
IRS990ScheduleC/VolunteerHoursCnt00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01378112
IRS990ScheduleD/BuildingsGrp/DepreciationAmt05576137
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06954249
IRS990ScheduleD/EquipmentGrp/BookValueAmt01047189
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03356930
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04404119
IRS990ScheduleD/LandGrp/BookValueAmt0233500
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0233500
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0903105
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01606357
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt02509462
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0187669338
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1113067623
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2128752238
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt339385335
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4478270
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt53359501
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt66965071
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt7161766682
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CORE DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHAREDRAFT WITH DIVIDENDS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3SHAREDRAFT WITHOUT DIVIDENDS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4IRA SHARES: ROTH & EDUCATION
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5IRA SHARES: TRADITIONAL
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6IRA CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7SHARE CERTIFICATES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0204553418
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt111947000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt24206249
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3525000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt422502490
IRS990ScheduleD/OtherSecuritiesGrp/Desc0FEDERAL AGENCY SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1FEDERALLY INSURED CDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CUSO & MISCELLANEOUS
IRS990ScheduleD/OtherSecuritiesGrp/Desc3PERPETUAL CONTRIBUTED CAPITAL WITH CATALYST CORP
IRS990ScheduleD/OtherSecuritiesGrp/Desc4US TREASURIES

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