Civic Intelligence

Community First Credit Union

990 • Fiscal year 2016 • EIN 94-1532380

Jan 01, 2016 to Dec 31, 2016 • Filed on Oct 16, 2017

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

71st percentile

0.91x

Higher debt load relative to assets than 71% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Liabilities / Revenue

48th percentile

17.94x

Higher debt load relative to revenue than 48% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Net Margin

80th percentile

17%

Higher net margin than 80% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Top Officer Pay

46th percentile

$191,536

Higher top officer pay than 46% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Asset Growth

82nd percentile

8.6%

Faster asset growth than 82% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2016

Revenue Growth

80th percentile

12%

Faster revenue growth than 80% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2016

Balance Sheet
Liabilities / Assets71st percentile

Assets

Up

$203,869,290

Up $31,070,046 (+18%) from 2014

Net Assets

Up

$18,739,357

Up $3,470,378 (+23%) from 2014

Liabilities

Up

$185,129,933

Up $27,599,668 (+18%) from 2014

Revenue And Expenses
Liabilities / Revenue48th percentileNet Margin80th percentile

Revenue

Up

$10,316,635

Up $2,081,772 (+25%) from 2014

Expenses

Up

$8,540,513

Up $1,692,365 (+25%) from 2014

Net Income

Up

$1,776,122

Up $389,407 (+28%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth82nd 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

2016

Assets$203,869,290
Liabilities$185,129,933
Net Assets$18,739,357
Open 2016 Filing

Operations Trend

Revenue Growth80th 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

2016

Revenue$10,316,635
Expenses$8,540,513
Net Income$1,776,122
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Oct 16, 2017
Return Version
2016v3.0
Gross Receipts
$10,316,635
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$137,790,515$148,715,085▲ $10,924,570
Cash and Non-Interest-Bearing Accounts$21,890,245$30,367,314▲ $8,477,069
Rtn Earn Endowment Incm Other Fnds$16,943,616$18,739,357▲ $1,795,741
Investments Program Related$14,097,029$9,994,480▼ $4,102,549
Land, Buildings, and Equipment, Net$6,326,020$6,817,524▲ $491,504
Savings and Temporary Cash Investments-$0-
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$187,845,755$203,869,290▲ $16,023,535
Other Assets Total$7,741,946$7,974,887▲ $232,941
Liabilities
Other Liabilities$167,210,340$181,337,434▲ $14,127,094
Mortgage Notes Payable Secured by Investment Property$2,000,000$2,000,000→ $0
Accounts Payable and Accrued Expenses$1,691,799$1,792,499▲ $100,700
Total Liabilities$170,902,139$185,129,933▲ $14,227,794
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,943,616$18,739,357▲ $1,795,741
Total Liabilities and Net Assets / Fund Balance$187,845,755$203,869,290▲ $16,023,535

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,000,106$2,459,107$5,459,213
Other Land Buildings$1,650,434$1,753,994$3,404,428
Land$1,712,601-$1,712,601
Leasehold Improvements$454,383$290,503$744,886
Compensation and Service Providers
Top Officer Pay46th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Todd SheffieldCEOFT$167,372$24,164$191,536
Beth RudometkinLoan OfficerFT$142,372-$142,372
Russ AngerVice PresidentFT$129,480-$129,480
Jay HuffordVice PresidentFT$115,051-$115,051
David WilliamsVice PresidentFT$114,240-$114,240

Board Members and Trustees

NameTitle
Brian CochranChairman
Carl VandenHuevalDirector
Danielle O'learyDirector
Jean MaedaDirector
Lillard BlakeDirector
Tom ScottDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Redwood Health SvcsEmployee health plan3510 Unocal Place, Santa Rosa, CA 95403$342,955
Hunter Bunting ConstructionConstruction service5236 Montecito Ave, Santa Rosa, CA 95404$335,402
Corelation IncComputer software2305 Historic Decatur Road, San Diego, CA 92106$264,034
Cook Security GroupSecurity, hardware,538 Stone Road, Benicia, CA 94510$132,718
CO-OP NetworkPayment processing9692 Haven Ave, Rancho Cucamonga, CA 91730$125,293
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$10,316,635
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$1,776,122
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$4,537,759
Other Expenses$4,002,754
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,026,395
Office Expenses---$1,197,389
Occupancy---$822,856
Current Officers, Directors, Trustees, and Key Employees---$550,307
Other Employee Benefits---$541,757
Interest---$388,669
Payroll Taxes---$245,162
Pension Plan Contributions---$174,138
Advertising---$150,243
Other Expenses---$117,940
All Other Expenses---$114,089
Travel---$93,867
Total Functional Expenses$0$0$0$8,540,513
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Various consumer deposit accounts$181,337,434
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, Line 6: Explanation of Classes of Members or Shareholder

“All customers are members of the credit union.”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“The governing body is elected by the members.”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

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

Form 990, Part VI, Line 11B: Form 990 Review Process

“Copy provided to Governing body electronically for review.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“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, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“Comparative compensation data is gathered and reviewed by the Board of Directors annual in setting compensation for the CEO.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Comparative compensation data is gathered and reviewed by the Board of Directors annual in setting compensation for the key employees.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Financial Statements 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
CEO
Signed
2017-10-16

Organization Details

Principal Officer
Todd Sheffield
Formed
1961
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
56
Volunteers
12
Raw XML AppendixShowing 400 of 446 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01691799
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01792499
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0To provide consumer financial services to the communities of Napa, Marin, and Sonoma Counties.
IRS990/AdvertisingGrp/TotalAmt0150243
IRS990/AllAffiliatesIncludedInd0false
IRS990/AllOtherExpensesGrp/TotalAmt0114089
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Ellen Colbus
IRS990/BooksInCareOfDetail/PhoneNum07075466000
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01105 N Dutton Ave Suite A
IRS990/BooksInCareOfDetail/USAddress/CityNm0Santa Rosa
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd095401
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt021890245
IRS990/CashNonInterestBearingGrp/EOYAmt030367314
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt05
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0550307
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0125293
IRS990/ContractorCompensationGrp/CompensationAmt1335402
IRS990/ContractorCompensationGrp/CompensationAmt2342955
IRS990/ContractorCompensationGrp/CompensationAmt3264034
IRS990/ContractorCompensationGrp/CompensationAmt4132718
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt09692 Haven Ave
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt15236 Montecito Ave
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt23510 Unocal Place
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt32305 Historic Decatur Road
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt4538 Stone Road
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0Rancho Cucamonga
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1Santa Rosa
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2Santa Rosa
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3San Diego
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4Benicia
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd091730
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd195404
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd295403
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd392106
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd494510
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0CO-OP Network
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1Hunter Bunting Construction
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2Redwood Health Svcs
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3Corelation Inc
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4Cook Security Group
IRS990/ContractorCompensationGrp/ServicesDesc0Payment processing
IRS990/ContractorCompensationGrp/ServicesDesc1Construction service
IRS990/ContractorCompensationGrp/ServicesDesc2Employee health plan
IRS990/ContractorCompensationGrp/ServicesDesc3Computer software
IRS990/ContractorCompensationGrp/ServicesDesc4Security, hardware,
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt00
IRS990/CYOtherExpensesAmt04002754
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt010316635
IRS990/CYRevenuesLessExpensesAmt01776122
IRS990/CYSalariesCompEmpBnftPaidAmt04537759
IRS990/CYTotalExpensesAmt08540513
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt010316635
IRS990/DAFExcessBusinessHoldingsInd0false
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0To provide consumer financial services to the communities of Napa, Marin, and Sonoma Counties.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt056
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/EscrowAccountInd0false
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100.00
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/AverageHoursPerWeekRt640.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/PersonNm0Carl VandenHueval
IRS990/Form990PartVIISectionAGrp/PersonNm1Jean Maeda
IRS990/Form990PartVIISectionAGrp/PersonNm2Tom Scott
IRS990/Form990PartVIISectionAGrp/PersonNm3Brian Cochran
IRS990/Form990PartVIISectionAGrp/PersonNm4Danielle O'leary
IRS990/Form990PartVIISectionAGrp/PersonNm5Lillard Blake
IRS990/Form990PartVIISectionAGrp/PersonNm6David Williams
IRS990/Form990PartVIISectionAGrp/PersonNm7Todd Sheffield
IRS990/Form990PartVIISectionAGrp/PersonNm8Russ Anger
IRS990/Form990PartVIISectionAGrp/PersonNm9Jay Hufford
IRS990/Form990PartVIISectionAGrp/PersonNm10Beth Rudometkin
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6114240
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7191536
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8129480
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9115051
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10142372
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/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt9Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt10Loan Officer
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0true
IRS990/FormationYr01961
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt010316635
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt05
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0388669
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt014097029
IRS990/InvestmentsProgramRelatedGrp/EOYAmt09994480
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt02915
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04503604
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06326020
IRS990/LandBldgEquipBasisNetGrp/EOYAmt06817524
IRS990/LandBldgEquipCostOrOtherBssAmt011321128
IRS990/LegalDomicileStateCd0CA
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0To provide consumer financial services to the communities of Napa, Marin, and Sonoma Counties.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt02000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt02000000
IRS990/NetAssetsOrFundBalancesBOYAmt016943616
IRS990/NetAssetsOrFundBalancesEOYAmt018739357
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt0-37512
IRS990/NetUnrlzdGainsLossesInvstAmt019619
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0822856
IRS990/OfficeExpensesGrp/TotalAmt01197389
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt07741946
IRS990/OtherAssetsTotalGrp/EOYAmt07974887
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0541757
IRS990/OtherExpensesGrp/Desc0Prof & Outside Svcs
IRS990/OtherExpensesGrp/Desc1Loan Losses
IRS990/OtherExpensesGrp/Desc2Loan Servicing
IRS990/OtherExpensesGrp/Desc3Misc
IRS990/OtherExpensesGrp/TotalAmt0499906
IRS990/OtherExpensesGrp/TotalAmt1445000
IRS990/OtherExpensesGrp/TotalAmt2172795
IRS990/OtherExpensesGrp/TotalAmt3117940
IRS990/OtherLiabilitiesGrp/BOYAmt0167210340
IRS990/OtherLiabilitiesGrp/EOYAmt0181337434
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt03026395
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0137790515
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0148715085
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0245162
IRS990/PensionPlanContributionsGrp/TotalAmt0174138
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0Todd Sheffield
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0All Member Income
IRS990/ProgramServiceRevenueGrp/Desc1Non-member ATM fees
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt010208954
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt010208954
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1107681
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0107681
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt03389249
IRS990/PYProgramServiceRevenueAmt09187433
IRS990/PYRevenuesLessExpensesAmt01719740
IRS990/PYSalariesCompEmpBnftPaidAmt04078444
IRS990/PYTotalExpensesAmt07467693
IRS990/PYTotalRevenueAmt09187433
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt01776122
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt016943616
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt018739357
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt03000106
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02459107
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05459213
IRS990ScheduleD/LandGrp/BookValueAmt01712601
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01712601
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0454383
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0290503
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0744886
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01650434
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt01753994
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt03404428
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0181337434
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Various consumer deposit accounts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06817524
IRS990ScheduleD/TotalLiabilityAmt0181337434
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0167372
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount024164
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Todd Sheffield
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0191536
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd0true
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 explusion, or entity merger are subject o member approval.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Copy provided to 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Comparative compensation data is gathered and reviewed by the Board of Directors annual in setting compensation for the key employees.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Financial Statements available on NCUA.GOV, other documents available by request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0187845755
IRS990/TotalAssetsEOYAmt0203869290
IRS990/TotalAssetsGrp/BOYAmt0187845755
IRS990/TotalAssetsGrp/EOYAmt0203869290
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt056
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt08540513

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$203,869,290
Liabilities
$185,129,933
Net assets
$18,739,357
Revenue
$10,316,635
Expenses
$8,540,513
Net income
$1,776,122
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$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