Civic Intelligence

Community First Credit Union

990 • Fiscal year 2020 • EIN 94-1541515

Jan 01, 2020 to Dec 31, 2020 • Filed on Nov 16, 2021

Organization Profile1940 Ridge Road

View Organization Page

1105 N Dutton AveUkiah, CA 95482

(707) 467-4807

Siviq Scores

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

Liabilities / Assets

1st percentile

0.01x

Higher debt load relative to assets than 1% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Liabilities / Revenue

1st percentile

0.17x

Higher debt load relative to revenue than 1% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Net Margin

80th percentile

18%

Higher net margin than 80% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Top Officer Pay

37th percentile

$370,205

Higher top officer pay than 37% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Asset Growth

63rd percentile

19%

Faster asset growth than 63% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Revenue Growth

82nd percentile

6.8%

Faster revenue growth than 82% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets1st percentile

Assets

Up

$650,851,812

Up $104,842,600 (+19%) from 2019

Net Assets

Up

$645,352,249

Up $104,760,614 (+19%) from 2019

Liabilities

Up

$5,499,563

Up $81,986 (+1.5%) from 2019

Revenue And Expenses
Liabilities / Revenue1st percentileNet Margin80th percentile

Revenue

Up

$31,829,604

Up $2,021,827 (+6.8%) from 2019

Expenses

Up

$26,049,069

Up $1,442,597 (+5.9%) from 2019

Net Income

Up

$5,780,535

Up $579,230 (+11%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth63rd percentile

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

$1.0B$500M$0Assets 2010: $97,926,767Liabilities 2010: $737,698Net Assets 2010: $97,189,0692010Assets 2011: $117,093,762Liabilities 2011: $1,297,586Net Assets 2011: $115,796,1762011Assets 2012: $126,774,906Liabilities 2012: $1,337,261Net Assets 2012: $125,437,6452012Assets 2013: $174,036,495Liabilities 2013: $1,420,753Net Assets 2013: $172,615,7422013Assets 2014: $187,951,494Liabilities 2014: $2,408,527Net Assets 2014: $185,542,9672014Assets 2015: $216,155,472Liabilities 2015: $1,919,595Net Assets 2015: $214,235,8772015Assets 2016: $230,465,074Liabilities 2016: $2,574,700Net Assets 2016: $227,890,3742016Assets 2017: $474,209,867Liabilities 2017: $5,335,864Net Assets 2017: $468,874,0032017Assets 2019: $546,009,212Liabilities 2019: $5,417,577Net Assets 2019: $540,591,6352019Assets 2020: $650,851,812Liabilities 2020: $5,499,563Net Assets 2020: $645,352,2492020Assets 2021: $761,258,257Liabilities 2021: $5,403,710Net Assets 2021: $755,854,5472021Assets 2022: $823,669,192Liabilities 2022: $9,951,897Net Assets 2022: $813,717,2952022Assets 2023: $816,808,644Liabilities 2023: $742,727,654Net Assets 2023: $74,080,9902023Assets 2024: $805,920,075Liabilities 2024: $727,846,875Net Assets 2024: $78,073,2002024

Highlighted filing

2020

Assets$650,851,812
Liabilities$5,499,563
Net Assets$645,352,249
Open 2020 Filing

Operations Trend

Revenue Growth82nd percentile

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

$60M$40M$20M$0Expenses 2010: $5,720,1602010Expenses 2011: $6,039,8502011Revenue 2012: $6,887,327Expenses 2012: $6,886,787Net Income 2012: $5402012Revenue 2013: $7,557,944Expenses 2013: $7,373,457Net Income 2013: $184,4872013Revenue 2014: $9,103,813Expenses 2014: $8,200,298Net Income 2014: $903,5152014Revenue 2015: $10,236,096Expenses 2015: $9,031,947Net Income 2015: $1,204,1492015Revenue 2016: $11,806,131Expenses 2016: $9,954,502Net Income 2016: $1,851,6292016Revenue 2017: $18,123,737Expenses 2017: $15,860,818Net Income 2017: $2,262,9192017Revenue 2019: $29,807,777Expenses 2019: $24,606,472Net Income 2019: $5,201,3052019Revenue 2020: $31,829,604Expenses 2020: $26,049,069Net Income 2020: $5,780,5352020Revenue 2021: $33,075,635Expenses 2021: $25,585,694Net Income 2021: $7,489,9412021Revenue 2022: $36,766,136Expenses 2022: $28,206,770Net Income 2022: $8,559,3662022Revenue 2023: $43,498,880Expenses 2023: $40,241,977Net Income 2023: $3,256,9032023Revenue 2024: $47,791,718Expenses 2024: $44,667,904Net Income 2024: $3,123,8142024

Highlighted filing

2020

Revenue$31,829,604
Expenses$26,049,069
Net Income$5,780,535
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Nov 16, 2021
Return Version
2020v4.0
Gross Receipts
$31,829,604
Mission and Program Overview

Mission

To provide consumer financial services to the communities of Napa, Sonoma, Marin, Lake and Mendocino counties.

To provide consumer financial services to the communities

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$484,821,261$583,439,160▲ $98,617,899
Other Notes and Loans Receivable, Net$424,855,664$479,582,803▲ $54,727,139
Cash and Non-Interest-Bearing Accounts$32,071,513$84,589,386▲ $52,517,873
Rtn Earn Endowment Incm Other Fnds$55,770,374$61,913,089▲ $6,142,715
Investments in Publicly Traded Securities$56,835,446$45,867,836▼ $10,967,610
Land, Buildings, and Equipment, Net$12,926,757$11,897,117▼ $1,029,640
Savings and Temporary Cash Investments$0$0→ $0
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$546,009,212$650,851,812▲ $104,842,600
Other Assets Total$19,319,832$28,914,670▲ $9,594,838
Liabilities
Accounts Payable and Accrued Expenses$5,417,577$5,499,563▲ $81,986
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Other Liabilities$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$5,417,577$5,499,563▲ $81,986
Net Assets / Fund Balance
Total Net Assets Fund Balance$540,591,635$645,352,249▲ $104,760,614
Total Liabilities and Net Assets / Fund Balance$546,009,212$650,851,812▲ $104,842,600

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,585,101$4,209,528$9,794,629
Equipment$1,537,659$6,167,672$7,705,331
Leasehold Improvements$1,999,901$2,157,068$4,156,969
Land$2,774,456-$2,774,456
Other Land Buildings$0$0$0
Compensation and Service Providers
Top Officer Pay37th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Todd SheffieldCEOFT$301,103$69,102$370,205
Dawn LeandroMloFT$34,800$277,026$311,826
Susan BlackMloFT$34,800$156,807$191,607
Monika BesanconCLOFT$151,627$33,189$184,816
Jay HuffordCROFT$151,766$31,490$183,256
Robert FryerMloFT$33,567$148,889$182,456
Hally SwanMloFT$34,800$146,908$181,708
David P RhoadesCFOFT$153,209$27,123$180,332
David WilliamsCMOFT$149,373$27,806$177,179

Board Members and Trustees

NameTitle
John BurkeChairperson
Arlene ColombiniDirector
Brian CochranDirector
Carolyn WelchDirector
Jason ScottDirector
Robert ScottDirector
Tina RiveraDirector
Madelyn HoltkampSecretary
Carl Vanden HeuvelTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$31,612,403
Investment Income
$0
Other Revenue
$217,201
All Other Contributions
$0
Change in Net Assets
$5,780,535

Audited Revenue Reconciliation

Revenue per Audited Statements
$31,829,604
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$31,829,604
Total Revenue per Form 990
$31,829,604
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$13,308,025
Salaries, Compensation, and Employee Benefits$12,741,044
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$6,985,584$0$0$6,985,584
Office Expenses$3,609,031$0$0$3,609,031
Other Employee Benefits$2,786,758$0$0$2,786,758
Interest$2,243,308$0$0$2,243,308
Current Officers, Directors, Trustees, and Key Employees$1,869,896$0$0$1,869,896
Depreciation Depletion$1,323,387$0$0$1,323,387
Occupancy$1,101,606$0$0$1,101,606
Payroll Taxes$629,947$0$0$629,947
Fees for Services Management$493,038$0$0$493,038
Information Technology$492,571$0$0$492,571
Pension Plan Contributions$468,859$0$0$468,859
Advertising$354,554$0$0$354,554
Other Expenses$324,611$0$0$324,611
Insurance$135,231$0$0$135,231
Fees for Services Accounting$123,220$0$0$123,220
Travel$85,658$0$0$85,658
Fees for Services Legal$50,367$0$0$50,367
Conferences and Meetings$2,009$0$0$2,009
Total Functional Expenses$26,049,069$0$0$26,049,069

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$26,049,069
Total Expenses per Audited Statements$26,049,069
Total Expenses per Form 990$26,049,069
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Part VI, Section A, Line 6

“Regular members of the credit union.”

Part VI, Section A, Line 7A

“| Class of the Person:, Nature of their rights:| Member, The depositors of the credit union are members, all members have the right to elect the govering body. Mergers are subject to member vote.|”

Part VI, Section A, Line 7B

“| Class of the Person:, Decisions that require their approval:, Nature of their rights:| Member, Mergers., Electing governing body and mergers.|”

Part VI, Section B, Line 11B

“No review was or will be conducted”

Part VI, Section B, Line 12C

“Individuals are required to submit a report of their business activities.”

Part VI, Section B, Line 15

“| Name of the Person:, The process used to establish compensation of the person who served in:|, The year in which this process was last undertaken:| Todd Sheffield, Salary Survey., 2020|”

Part VI, Section C, Line 19

“Upon request.”

Filing and Contact Details

Filer

Filer Name
Community First Credit Union
EIN
94-1541515
In Care Of
% David Rhoades
Address
1105 N DUTTON AVE, Ukiah, CA 95482

Signing Officer

Name
David P Rhoades
Title
CFO
Signed
2021-11-16
Discuss with paid preparer
No

Organization Details

Formed
1959
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
195
Volunteers
14
Supplemental Narrative

Additional Explanations

Part III, Line 4D

“| Description:, Expense Amount:, Grants Amount:, Revenue Amount:|”

Part XI, Line 9

“| Description:, Explanation:, Amount:| Member balances, Deposits and withdrawals from members share accounts., $98481551|”

Raw XML AppendixShowing 400 of 783 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.

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IRS990/Form990PartVIISectionAGrp/PersonNm8Tina Rivera
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Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$650,851,812
Liabilities
$5,499,563
Net assets
$645,352,249
Revenue
$31,829,604
Expenses
$26,049,069
Net income
$5,780,535
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$806$728$78.1$47.8$44.7$3.12
2023Detailed filing. Detailed filing data is available for this year.$817$743$74.1$43.5$40.2$3.26
2022Detailed filing. Detailed filing data is available for this year.$824$9.95$814$36.8$28.2$8.56
2021Detailed filing. Detailed filing data is available for this year.$761$5.40$756$33.1$25.6$7.49
2020Detailed filing. Detailed filing data is available for this year.$651$5.50$645$31.8$26.0$5.78
2019Detailed filing. Detailed filing data is available for this year.$546$5.42$541$29.8$24.6$5.20
2017Detailed filing. Detailed filing data is available for this year.$474$5.34$469$18.1$15.9$2.26
2016Detailed filing. Detailed filing data is available for this year.$230$2.57$228$11.8$9.95$1.85
2015Detailed filing. Detailed filing data is available for this year.$216$1.92$214$10.2$9.03$1.20
2014Detailed filing. Detailed filing data is available for this year.$188$2.41$186$9.10$8.20$0.90
2013Detailed filing. Detailed filing data is available for this year.$174$1.42$173$7.56$7.37$0.18
2012Summary only. Only limited summary data is available for this year.$127$1.34$125$6.89$6.89$0.00
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$117$1.30$116$6.04
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$97.9$0.74$97.2$5.72