Civic Intelligence

Community First Credit Union

990 • Fiscal year 2014 • EIN 94-1532380

Jan 01, 2014 to Dec 31, 2014 • Filed on Mar 25, 2016

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

77th percentile

0.91x

Higher debt load relative to assets than 77% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

59th percentile

19.13x

Higher debt load relative to revenue than 59% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

75th percentile

17%

Higher net margin than 75% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

48th percentile

$189,121

Higher top officer pay than 48% of similar nonprofits.

Top officer pay equals 2.3% of source-year revenue.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Asset Growth

73rd percentile

6.3%

Faster asset growth than 73% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

68th percentile

4.8%

Faster revenue growth than 68% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets77th percentile

Assets

Up

$172,799,244

Up $10,168,558 (+6.3%) from 2013

Net Assets

Up

$15,268,979

Up $1,503,886 (+11%) from 2013

Liabilities

Up

$157,530,265

Up $8,664,672 (+5.8%) from 2013

Revenue And Expenses
Liabilities / Revenue59th percentileNet Margin75th percentile

Revenue

Up

$8,234,863

Up $377,225 (+4.8%) from 2013

Expenses

Up

$6,848,148

Up $612,854 (+9.8%) from 2013

Net Income

Down

$1,386,715

Down $235,629 (-15%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth73rd 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

2014

Assets$172,799,244
Liabilities$157,530,265
Net Assets$15,268,979
Open 2014 Filing

Operations Trend

Revenue Growth68th percentile

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

2014

Revenue$8,234,863
Expenses$6,848,148
Net Income$1,386,715
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Mar 25, 2016
Return Version
2014v6.0
Gross Receipts
$8,234,863
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$103,383,925$122,914,076▲ $19,530,151
Investments Program Related$31,183,876$19,485,678▼ $11,698,198
Cash and Non-Interest-Bearing Accounts$16,874,800$17,348,634▲ $473,834
Rtn Earn Endowment Incm Other Fnds$13,765,093$15,268,979▲ $1,503,886
Land, Buildings, and Equipment, Net$5,358,651$5,763,369▲ $404,718
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$162,630,686$172,799,244▲ $10,168,558
Other Assets Total$5,829,434$7,287,487▲ $1,458,053
Liabilities
Other Liabilities$146,903,869$156,574,627▲ $9,670,758
Mortgage Notes Payable Secured by Investment Property$1,000,000$0▼ $1,000,000
Accounts Payable and Accrued Expenses$961,724$955,638▼ $6,086
Total Liabilities$148,865,593$157,530,265▲ $8,664,672
Net Assets / Fund Balance
Total Net Assets Fund Balance$13,765,093$15,268,979▲ $1,503,886
Total Liabilities and Net Assets / Fund Balance$162,630,686$172,799,244▲ $10,168,558

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,346,920$2,044,885$5,391,805
Other Land Buildings$422,950$2,012,580$2,435,530
Land$1,712,601-$1,712,601
Leasehold Improvements$280,898$358,903$639,801
Investment Program Related Org$19,485,678--
Compensation and Service Providers
Top Officer Pay48th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Todd SheffieldChief Executive OfficerFT$156,276$32,845$189,121
Russ AngerVice PresidentFT$119,815$5,258$125,073
Jay HuffordVice PresidentFT$109,092$5,638$114,730

Board Members and Trustees

NameTitle
Brain CochranChairman
Carl VandenhuevalDirector
DANIELLE O'LEARYDirector
Jean MaedaDirector
Leona HattDirector
Lillard BlakeDirector
Tom ScottDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,234,863
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$1,386,715
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$3,848,663
Other Expenses$2,999,485
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,617,626
Office Expenses---$1,088,214
Occupancy---$640,649
Other Employee Benefits---$462,134
Current Officers, Directors, Trustees, and Key Employees---$428,924
Interest---$273,940
Payroll Taxes---$220,290
Advertising---$147,752
Pension Plan Contributions---$119,689
Other Expenses---$64,094
All Other Expenses---$56,158
Travel---$48,677
Total Functional Expenses$0$0$0$6,848,148
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
Various Consumer Deposit Accounts$156,574,627
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 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

“Copy of the return will be provided to the governing body electronically for review.”

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

“Comparative compensation data is gathered and reviewed by the board of directors annual in setting compensation for the ceo and key employees.”

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

Filer Name
Community First Credit Union
EIN
94-1532380
Phone
7075466000
Address
1105 N DUTTON AVE, SANTA ROSA, CA 95401

Signing Officer

Name
Todd Sheffield
Title
Chief Executive Officer
Phone
7075466000
Signed
2016-03-25
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

Firm
Cliftonlarsonallen Llp
Address
20 E THOMAS RD STE 2300, PHOENIX, AZ 85012
Preparer
Janis K Isaacson CPA
Phone
6022662248
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The audit committee oversees the audited financial statements.”

Raw XML AppendixShowing 400 of 407 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
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0961724
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0955638
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE CONSUMER FINANCIAL SERVICES TO THE COMMUNITIES OF NAPA, MARIN, AND SONOMA COUNTIES.
IRS990/AdvertisingGrp/TotalAmt0147752
IRS990/AllOtherExpensesGrp/TotalAmt056158
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0ELLEN COLBUS
IRS990/BooksInCareOfDetail/PhoneNum07075466000
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01105 N DUTTON AVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0SANTA ROSA
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd095401
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt016874800
IRS990/CashNonInterestBearingGrp/EOYAmt017348634
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0428924
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt00
IRS990/CYOtherExpensesAmt02999485
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt08234863
IRS990/CYRevenuesLessExpensesAmt01386715
IRS990/CYSalariesCompEmpBnftPaidAmt03848663
IRS990/CYTotalExpensesAmt06848148
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt08234863
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/Desc0TO PROVIDE CONSUMER FINANCIAL SERVICES TO THE COMMUNITIES OF NAPA, MARIN, AND SONOMA COUNTIES.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt059
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt712010
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt85258
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt95638
IRS990/Form990PartVIISectionAGrp/PersonNm0CARL VANDENHUEVAL
IRS990/Form990PartVIISectionAGrp/PersonNm1JEAN MAEDA
IRS990/Form990PartVIISectionAGrp/PersonNm2TOM SCOTT
IRS990/Form990PartVIISectionAGrp/PersonNm3BRAIN COCHRAN
IRS990/Form990PartVIISectionAGrp/PersonNm4LEONA HATT
IRS990/Form990PartVIISectionAGrp/PersonNm5DANIELLE O'LEARY
IRS990/Form990PartVIISectionAGrp/PersonNm6LILLARD BLAKE
IRS990/Form990PartVIISectionAGrp/PersonNm7TODD SHEFFIELD
IRS990/Form990PartVIISectionAGrp/PersonNm8RUSS ANGER
IRS990/Form990PartVIISectionAGrp/PersonNm9JAY HUFFORD
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7177111
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8119815
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9109092
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHIEF EXECUTIVE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt9VICE PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01961
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt08234863
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InterestGrp/TotalAmt0273940
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt031183876
IRS990/InvestmentsProgramRelatedGrp/EOYAmt019485678
IRS990/IRPDocumentCnt03564
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04416368
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05358651
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05763369
IRS990/LandBldgEquipCostOrOtherBssAmt010179737
IRS990/LegalDomicileStateCd0CA
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE CONSUMER FINANCIAL SERVICES TO THE COMMUNITIES OF NAPA, MARIN, AND SONOMA COUNTIES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt01000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt013765093
IRS990/NetAssetsOrFundBalancesEOYAmt015268979
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0117171
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0640649
IRS990/OfficeExpensesGrp/TotalAmt01088214
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05829434
IRS990/OtherAssetsTotalGrp/EOYAmt07287487
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0462134
IRS990/OtherExpensesGrp/Desc0PROFESSIONAL & OUTSIDE
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS EXPENSE
IRS990/OtherExpensesGrp/Desc3SHARE LOSSES
IRS990/OtherExpensesGrp/TotalAmt0426472
IRS990/OtherExpensesGrp/TotalAmt1129976
IRS990/OtherExpensesGrp/TotalAmt2123553
IRS990/OtherExpensesGrp/TotalAmt364094
IRS990/OtherLiabilitiesGrp/BOYAmt0146903869
IRS990/OtherLiabilitiesGrp/EOYAmt0156574627
IRS990/OtherSalariesAndWagesGrp/TotalAmt02617626
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0103383925
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0122914076
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0220290
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0119689
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0TODD SHEFFIELD
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/Desc0PROGRAM SERVICE REVENU
IRS990/ProgramServiceRevenueGrp/Desc1UNRELATED BUSINESS INC
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt08125674
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08125674
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1109189
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0109189
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PYOtherExpensesAmt02696938
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt07857638
IRS990/PYRevenuesLessExpensesAmt01622344
IRS990/PYSalariesCompEmpBnftPaidAmt03538356
IRS990/PYTotalExpensesAmt06235294
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt07857638
IRS990/ReconcilationRevenueExpnssAmt01386715
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt013765093
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt015268979
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03346920
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02044885
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05391805
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt019485678
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INVESTMENTS - PROGRAM RELATED
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/LandGrp/BookValueAmt01712601
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01712601
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0280898
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0358903
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0639801
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0422950
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt02012580
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt02435530
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0156574627
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0VARIOUS CONSUMER DEPOSIT ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05763369
IRS990ScheduleD/TotalBookValueProgramRltdAmt019485678
IRS990ScheduleD/TotalLiabilityAmt0156574627
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0156276
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount020835
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt07814
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt04196
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0TODD SHEFFIELD
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CHIEF EXECUTIVE OFFICER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0189121
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0474957
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt125997
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt232368
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0PURCHASE PRIMARY RESIDENCE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1AUTO PURCHASE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2EQUITY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0532000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt135000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt232368
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0TODD SHEFFIELD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1TODD SHEFFIELD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2TODD SHEFFIELD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/TotalBalanceDueAmt0533322
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL CUSTOMERS ARE MEMBERS OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE GOVERNING BODY IS ELECTED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN DECISIONS SUCH AS GOVERNING BODY EXPULSION, OR ENTITY MERGER ARE SUBJECT TO MEMBER APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COPY OF THE RETURN WILL BE PROVIDED TO THE GOVERNING BODY ELECTRONICALLY FOR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4VOLUNTEERS 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/ExplanationTxt5COMPARATIVE COMPENSATION DATA IS GATHERED AND REVIEWED BY THE BOARD OF DIRECTORS ANNUAL IN SETTING COMPENSATION FOR THE CEO AND KEY EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE AVAILABLE ON NCUA.GOV, OTHER DOCUMENTS AVAILABLE BY REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE AUDIT COMMITTEE OVERSEES THE AUDITED FINANCIAL STATEMENTS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0162630686
IRS990/TotalAssetsEOYAmt0172799244
IRS990/TotalAssetsGrp/BOYAmt0162630686
IRS990/TotalAssetsGrp/EOYAmt0172799244
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt059
IRS990/TotalFunctionalExpensesGrp/TotalAmt06848148
IRS990/TotalGrossUBIAmt0109189
IRS990/TotalLiabilitiesBOYAmt0148865593
IRS990/TotalLiabilitiesEOYAmt0157530265
IRS990/TotalLiabilitiesGrp/BOYAmt0148865593
IRS990/TotalLiabilitiesGrp/EOYAmt0157530265
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt013765093
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt015268979
IRS990/TotalOtherCompensationAmt022906
IRS990/TotalProgramServiceRevenueAmt08234863
IRS990/TotalReportableCompFromOrgAmt0406018
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt08125674
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt08234863
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0109189
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0162630686
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0172799244
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt048677
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01105 N DUTTON AVE
IRS990/USAddress/CityNm0SANTA ROSA
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd095401
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.COMFIRSTCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-08-17 19:52:53Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0TODD SHEFFIELD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHIEF EXECUTIVE OFFICER
ReturnHeader/BusinessOfficerGrp/PhoneNum07075466000
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-03-25
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COMMUNITY FIRST CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0COMM
ReturnHeader/Filer/EIN0941532380
ReturnHeader/Filer/PhoneNum07075466000
ReturnHeader/Filer/USAddress/AddressLine1Txt01105 N DUTTON AVE
ReturnHeader/Filer/USAddress/CityNm0SANTA ROSA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd095401
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0410746749
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CLIFTONLARSONALLEN LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt020 E THOMAS RD STE 2300
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0PHOENIX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0AZ
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd085012

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$172,799,244
Liabilities
$157,530,265
Net assets
$15,268,979
Revenue
$8,234,863
Expenses
$6,848,148
Net income
$1,386,715
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2014 filings • 501(c)14 • $100M-$250M nonprofits