Civic Intelligence

Community First Credit Union

990 • Fiscal year 2013 • EIN 94-1532380

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 29, 2014

Organization ProfileWWW.COMFIRSTCU.ORG

View Organization Page

1105 N Dutton AveSanta Rosa, CA 95401

(707) 546-6000

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

78th percentile

0.92x

Higher debt load relative to assets than 78% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Liabilities / Revenue

56th percentile

18.95x

Higher debt load relative to revenue than 56% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Net Margin

89th percentile

21%

Higher net margin than 89% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Top Officer Pay

47th percentile

$187,053

Higher top officer pay than 47% of similar nonprofits.

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

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Asset Growth

87th percentile

8.0%

Faster asset growth than 87% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets78th percentile

Assets

Up

$162,630,686

Up $11,998,155 (+8.0%) from 2012

Net Assets

Up

$13,765,093

Up $1,231,898 (+9.8%) from 2012

Liabilities

Up

$148,865,593

Up $10,766,257 (+7.8%) from 2012

Revenue And Expenses
Liabilities / Revenue56th percentileNet Margin89th percentile

Revenue

$7,857,638

No earlier filing loaded for comparison.

Expenses

Down

$6,235,294

Down $146,868 (-2.3%) from 2012

Net Income

$1,622,344

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth87th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$300M$200M$100M$0Assets 2010: $119,578,011Liabilities 2010: $109,071,859Net Assets 2010: $10,506,1522010Assets 2011: $130,051,549Liabilities 2011: $119,062,339Net Assets 2011: $10,989,2102011Assets 2012: $150,632,531Liabilities 2012: $138,099,336Net Assets 2012: $12,533,1952012Assets 2013: $162,630,686Liabilities 2013: $148,865,593Net Assets 2013: $13,765,0932013Assets 2014: $172,799,244Liabilities 2014: $157,530,265Net Assets 2014: $15,268,9792014Assets 2016: $203,869,290Liabilities 2016: $185,129,933Net Assets 2016: $18,739,3572016

Highlighted filing

2013

Assets$162,630,686
Liabilities$148,865,593
Net Assets$13,765,093
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$15M$10M$5.0M$0Expenses 2010: $6,213,0852010Expenses 2011: $6,528,4282011Expenses 2012: $6,382,1622012Revenue 2013: $7,857,638Expenses 2013: $6,235,294Net Income 2013: $1,622,3442013Revenue 2014: $8,234,863Expenses 2014: $6,848,148Net Income 2014: $1,386,7152014Revenue 2016: $10,316,635Expenses 2016: $8,540,513Net Income 2016: $1,776,1222016

Highlighted filing

2013

Revenue$7,857,638
Expenses$6,235,294
Net Income$1,622,344
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 29, 2014
Return Version
2013v3.0
Gross Receipts
$7,857,638
Mission and Program Overview

Mission

To provide consumer financial services to the communities of Napa, Marin, and Sonoma Counties.

To provide consumer financial services to the communities of sonoma county.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$95,569,278$103,383,925▲ $7,814,647
Investments Program Related$19,333,374$31,183,876▲ $11,850,502
Cash and Non-Interest-Bearing Accounts$23,969,428$16,874,800▼ $7,094,628
Rtn Earn Endowment Incm Other Fnds$12,533,195$13,765,093▲ $1,231,898
Land, Buildings, and Equipment, Net$5,716,022$5,358,651▼ $357,371
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$150,632,531$162,630,686▲ $11,998,155
Other Assets Total$6,044,429$5,829,434▼ $214,995
Liabilities
Other Liabilities$135,385,992$146,903,869▲ $11,517,877
Mortgage Notes Payable Secured by Investment Property$2,000,000$1,000,000▼ $1,000,000
Accounts Payable and Accrued Expenses$713,344$961,724▲ $248,380
Total Liabilities$138,099,336$148,865,593▲ $10,766,257
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,533,195$13,765,093▲ $1,231,898
Total Liabilities and Net Assets / Fund Balance$150,632,531$162,630,686▲ $11,998,155

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,287,384$1,831,692$5,119,076
Equipment$276,930$1,839,464$2,116,394
Land$1,712,601-$1,712,601
Leasehold Improvements$81,736$307,622$389,358
Investment Program Related Org$31,183,876--
Compensation and Service Providers
Top Officer Pay47th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Todd SheffieldChief Executive OfficerFT$175,864$11,189$187,053
Russ AngerVice President LendingFT$117,009$8,710$125,719
Jay HuffordVice President Member ServicesFT$106,464$8,963$115,427

Board Members and Trustees

NameTitle
Carl VandenhuevalBoard Chair
Brian CochranDirector
Dan NeffDirector
Jean NeffDirector
Leon HattDirector
Lillard BlakeDirector
Tom ScottDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,857,638
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$1,622,344
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$3,538,356
Other Expenses$2,696,938
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,625,375
Office Expenses---$876,417
Depreciation Depletion---$423,725
Current Officers, Directors, Trustees, and Key Employees---$399,337
Occupancy---$371,405
Interest---$306,201
Other Employee Benefits---$193,283
Payroll Taxes---$181,967
Pension Plan Contributions---$138,394
Insurance---$102,071
Advertising---$92,899
Fees for Services Accounting---$40,800
Travel---$7,598
Fees for Services Legal---$5,668
Fees for Services Other---$555
Other Expenses---$-134,000
Total Functional Expenses$0$0$0$6,235,294
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share Accounts$45,040,717
Money Market Accounts$43,462,687
Certificates of Deposit$28,668,262
Share Drafts$24,924,614
Ira Shares$4,807,330
Other Liabilities$259
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
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 2

“Two directors are family members through marriage.”

Form 990, Part VI, Section A, Line 6

“All customers are members of the credit union.”

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

“The governing body is elected by the members.”

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

“Certain decisions such as governing body expulsion, or entity merger are subject to member approval.”

Form 990, Part VI, Section B, Line 11

“The return will be reviewed by the ceo. The complete form will be submitted to the governing body for review after it is filed.”

Form 990, Part VI, Section B, Line 12C

“Volunteers must disclose to the board of directors annually any involvement with organizations which do business with the credit union unless such involvement is solely in the form of an investment in publicly traded securities.”

Form 990, Part VI, Section B, Line 15

“The board of directors sets the ceo's compensation based on comparable credit union data. Comparable compensation compiled from independent sources is used to determine all key employee salaries.”

Form 990, Part VI, Section C, Line 19

“Financial statements are available on ncua.gov, other documents available by request.”

Filing and Contact Details

Filer

EIN
94-1532380
Phone
7075466000

Signing Officer

Name
Todd Sheffield
Title
Chief Executive Officer
Phone
7075466000
Signed
2014-08-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Todd Sheffield
Formed
1961
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
59
Volunteers
12

Preparer

Preparer
Janis K Isaacson CPA
Phone
6022662248
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Unrealized gain/loss -390,014. Equity acquired in merger -432.”

FORM 990, PART XII, LINE 2C:

“The audit committee oversees the audited financial statements.”

Financial Statement Notes

PART X, LINE 2:

“Accounting for uncertainty in income taxes was issued to create a single model to address accounting for uncertainty in tax positions. This standard clarifies the accounting for income taxes by prescribing a minimum recognition threshold a tax position is required to meet before being recognized in the financial statements. This standard also provides guidance on derecognition, measurement, classification, interest and penalties, disclosure and transition. The credit union adopted this standard on october 1, 2009. As a result of the implementation of this standard, the credit union did not recognize any liability for any liability for uncertainty in tax positions.”

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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt243462687
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt324924614
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt44807330
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5259
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MONEY MARKET ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4IRA SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5OTHER LIABILITIES
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES WAS ISSUED TO CREATE A SINGLE MODEL TO ADDRESS ACCOUNTING FOR UNCERTAINTY IN TAX POSITIONS. THIS STANDARD CLARIFIES THE ACCOUNTING FOR INCOME TAXES BY PRESCRIBING A MINIMUM RECOGNITION THRESHOLD A TAX POSITION IS REQUIRED TO MEET BEFORE BEING RECOGNIZED IN THE FINANCIAL STATEMENTS. THIS STANDARD ALSO PROVIDES GUIDANCE ON DERECOGNITION, MEASUREMENT, CLASSIFICATION, INTEREST AND PENALTIES, DISCLOSURE AND TRANSITION. THE CREDIT UNION ADOPTED THIS STANDARD ON OCTOBER 1, 2009. AS A RESULT OF THE IMPLEMENTATION OF THIS STANDARD, THE CREDIT UNION DID NOT RECOGNIZE ANY LIABILITY FOR ANY LIABILITY FOR UNCERTAINTY IN TAX POSITIONS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05358651
IRS990ScheduleD/TotalBookValueProgramRltdAmt031183876
IRS990ScheduleD/TotalLiabilityAmt0146903869
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0175864
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt07442
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt03747
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0TODD SHEFFIELD
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CHIEF EXECUTIVE OFFICER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0187053
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0492306
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt133337
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0PURCHASE PRIMARY RESIDENCE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1AUTO PURCHASE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0532000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt135000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0TODD SHEFFIELD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1TODD SHEFFIELD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/TotalBalanceDueAmt0525643
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TWO DIRECTORS ARE FAMILY MEMBERS THROUGH MARRIAGE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL CUSTOMERS ARE MEMBERS OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE GOVERNING BODY IS ELECTED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CERTAIN DECISIONS SUCH AS GOVERNING BODY EXPULSION, OR ENTITY MERGER ARE SUBJECT TO MEMBER APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE RETURN WILL BE REVIEWED BY THE CEO. THE COMPLETE FORM WILL BE SUBMITTED TO THE GOVERNING BODY FOR REVIEW AFTER IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5VOLUNTEERS MUST DISCLOSE TO THE BOARD OF DIRECTORS ANNUALLY ANY INVOLVEMENT WITH ORGANIZATIONS WHICH DO BUSINESS WITH THE CREDIT UNION UNLESS SUCH INVOLVEMENT IS SOLELY IN THE FORM OF AN INVESTMENT IN PUBLICLY TRADED SECURITIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS SETS THE CEO'S COMPENSATION BASED ON COMPARABLE CREDIT UNION DATA. COMPARABLE COMPENSATION COMPILED FROM INDEPENDENT SOURCES IS USED TO DETERMINE ALL KEY EMPLOYEE SALARIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL STATEMENTS ARE AVAILABLE ON NCUA.GOV, OTHER DOCUMENTS AVAILABLE BY REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8UNREALIZED GAIN/LOSS -390,014. EQUITY ACQUIRED IN MERGER -432.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9THE AUDIT COMMITTEE OVERSEES THE AUDITED FINANCIAL STATEMENTS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0150632531
IRS990/TotalAssetsEOYAmt0162630686
IRS990/TotalAssetsGrp/BOYAmt0150632531
IRS990/TotalAssetsGrp/EOYAmt0162630686
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt059
IRS990/TotalFunctionalExpensesGrp/TotalAmt06235294
IRS990/TotalGrossUBIAmt0105615
IRS990/TotalLiabilitiesBOYAmt0138099336
IRS990/TotalLiabilitiesEOYAmt0148865593
IRS990/TotalLiabilitiesGrp/BOYAmt0138099336
IRS990/TotalLiabilitiesGrp/EOYAmt0148865593
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt012533195
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt013765093
IRS990/TotalOtherCompensationAmt028862
IRS990/TotalProgramServiceRevenueAmt07857638
IRS990/TotalReportableCompFromOrgAmt0399337
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt07752023
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt07857638
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0105615
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0150632531
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0162630686
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt07598
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine101105 N DUTTON AVE
IRS990/USAddress/City0SANTA ROSA
IRS990/USAddress/State0CA
IRS990/USAddress/ZIPCode095401
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.COMFIRSTCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0TODD SHEFFIELD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHIEF EXECUTIVE OFFICER
ReturnHeader/BusinessOfficerGrp/PhoneNum07075466000
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-08-29
ReturnHeader/Filer/BusinessName/BusinessNameLine10COMMUNITY FIRST CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0COMM
ReturnHeader/Filer/EIN0941532380
ReturnHeader/Filer/PhoneNum07075466000
ReturnHeader/Filer/USAddress/AddressLine101105 N DUTTON AVE
ReturnHeader/Filer/USAddress/City0SANTA ROSA
ReturnHeader/Filer/USAddress/State0CA

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$162,630,686
Liabilities
$148,865,593
Net assets
$13,765,093
Revenue
$7,857,638
Expenses
$6,235,294
Net income
$1,622,344
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$204$185$18.7$10.3$8.54$1.78
2014Detailed filing. Detailed filing data is available for this year.$173$158$15.3$8.23$6.85$1.39
2013Detailed filing. Detailed filing data is available for this year.$163$149$13.8$7.86$6.24$1.62
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$151$138$12.5$6.38
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$130$119$11.0$6.53
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$120$109$10.5$6.21