Civic Intelligence

Organized Labor Credit Union

EIN 94-2341618 • 501(c)14 • Modesto, CA

Profile

A cooperative, organized for the purpose of promoting thrift and savings among its members.

2112 McHenry Ave AModesto, CA 95350

www.olcu.org

Siviq Scores

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

Liabilities / Assets

76th percentile

0.91x

Higher debt load relative to assets than 76% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

58th percentile

18.76x

Higher debt load relative to revenue than 58% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

65th percentile

15%

Higher net margin than 65% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

56th percentile

0.6%

Faster asset growth than 56% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

51st percentile

11%

Faster revenue growth than 51% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$37,951,551

Up $210,186 (+0.6%) from 2023

Liabilities

Down

$34,514,126

Down $65,586 (-0.2%) from 2023

Net Assets

Up

$3,437,425

Up $275,772 (+8.7%) from 2023

Operations
Liabilities / Revenue58th percentileNet Margin65th percentile

Revenue

Up

$1,839,610

Up $179,306 (+11%) from 2023

Expenses

Up

$1,563,838

Up $238,576 (+18%) from 2023

Net Income

Down

$275,772

Down $59,270 (-18%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth56th percentile

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

$40M$30M$20M$10M$0Assets 2010: $17,530,936Liabilities 2010: $15,873,055Net Assets 2010: $1,657,8812010Assets 2011: $16,578,658Liabilities 2011: $15,060,666Net Assets 2011: $1,517,9922011Assets 2012: $18,574,509Liabilities 2012: $17,079,317Net Assets 2012: $1,495,1922012Assets 2013: $19,153,439Liabilities 2013: $17,596,615Net Assets 2013: $1,556,8242013Assets 2014: $19,543,643Liabilities 2014: $17,937,164Net Assets 2014: $1,606,4792014Assets 2015: $21,364,564Liabilities 2015: $19,692,140Net Assets 2015: $1,672,4242015Assets 2016: $22,213,018Liabilities 2016: $20,500,003Net Assets 2016: $1,713,0152016Assets 2017: $22,467,185Liabilities 2017: $20,707,149Net Assets 2017: $1,760,0362017Assets 2018: $24,304,393Liabilities 2018: $22,414,177Net Assets 2018: $1,890,2162018Assets 2019: $27,521,052Liabilities 2019: $25,423,131Net Assets 2019: $2,097,9212019Assets 2020: $32,859,188Liabilities 2020: $30,527,307Net Assets 2020: $2,331,8812020Assets 2021: $34,448,384Liabilities 2021: $31,859,467Net Assets 2021: $2,588,9172021Assets 2022: $34,765,063Liabilities 2022: $31,938,452Net Assets 2022: $2,826,6112022Assets 2023: $37,741,365Liabilities 2023: $34,579,712Net Assets 2023: $3,161,6532023Assets 2024: $37,951,551Liabilities 2024: $34,514,126Net Assets 2024: $3,437,4252024

Highlighted filing

2024

Assets$37,951,551
Liabilities$34,514,126
Net Assets$3,437,425
Open 2024 Filing

Operations Trend

Revenue Growth51st percentile

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

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $1,051,3102010Expenses 2011: $1,070,6462011Expenses 2012: $916,2822012Revenue 2013: $887,130Expenses 2013: $825,498Net Income 2013: $61,6322013Revenue 2014: $847,780Expenses 2014: $798,125Net Income 2014: $49,6552014Revenue 2015: $829,133Expenses 2015: $763,188Net Income 2015: $65,9452015Revenue 2016: $848,576Expenses 2016: $807,985Net Income 2016: $40,5912016Revenue 2017: $912,529Expenses 2017: $872,195Net Income 2017: $40,3342017Revenue 2018: $1,003,401Expenses 2018: $873,221Net Income 2018: $130,1802018Revenue 2019: $1,167,327Expenses 2019: $959,622Net Income 2019: $207,7052019Revenue 2020: $1,190,417Expenses 2020: $956,457Net Income 2020: $233,9602020Revenue 2021: $1,240,869Expenses 2021: $983,833Net Income 2021: $257,0362021Revenue 2022: $1,286,713Expenses 2022: $1,049,019Net Income 2022: $237,6942022Revenue 2023: $1,660,304Expenses 2023: $1,325,262Net Income 2023: $335,0422023Revenue 2024: $1,839,610Expenses 2024: $1,563,838Net Income 2024: $275,7722024

Highlighted filing

2024

Revenue$1,839,610
Expenses$1,563,838
Net Income$275,772
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$37,951,551
Liabilities
$34,514,126
Net assets
$3,437,425
Revenue
$1,839,610
Expenses
$1,563,838
Net income
$275,772
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$38.0$34.5$3.44$1.84$1.56$0.28
2023Detailed filing. Detailed filing data is available for this year.$37.7$34.6$3.16$1.66$1.33$0.34
2022Detailed filing. Detailed filing data is available for this year.$34.8$31.9$2.83$1.29$1.05$0.24
2021Detailed filing. Detailed filing data is available for this year.$34.4$31.9$2.59$1.24$0.98$0.26
2020Detailed filing. Detailed filing data is available for this year.$32.9$30.5$2.33$1.19$0.96$0.23
2019Detailed filing. Detailed filing data is available for this year.$27.5$25.4$2.10$1.17$0.96$0.21
2018Detailed filing. Detailed filing data is available for this year.$24.3$22.4$1.89$1.00$0.87$0.13
2017Detailed filing. Detailed filing data is available for this year.$22.5$20.7$1.76$0.91$0.87$0.04
2016Detailed filing. Detailed filing data is available for this year.$22.2$20.5$1.71$0.85$0.81$0.04
2015Detailed filing. Detailed filing data is available for this year.$21.4$19.7$1.67$0.83$0.76$0.07
2014Detailed filing. Detailed filing data is available for this year.$19.5$17.9$1.61$0.85$0.80$0.05
2013Detailed filing. Detailed filing data is available for this year.$19.2$17.6$1.56$0.89$0.83$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.6$17.1$1.50$0.92
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.6$15.1$1.52$1.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.5$15.9$1.66$1.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 7, 2025
Return Version
2024v5.2
Gross Receipts
$1,839,610
Mission and Program Overview

Mission

A cooperative, organized for the purpose of promoting thrift and savings among its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$16,190,979$14,405,568▼ $1,785,411
Investments Program Related$15,862,000$14,191,000▼ $1,671,000
Savings and Temporary Cash Investments$2,592,673$6,296,413▲ $3,703,740
Rtn Earn Endowment Incm Other Fnds$3,161,653$3,437,425▲ $275,772
Land, Buildings, and Equipment, Net$2,199,327$2,236,117▲ $36,790
Cash and Non-Interest-Bearing Accounts$268,838$161,673▼ $107,165
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$37,741,365$37,951,551▲ $210,186
Other Assets Total$627,548$660,780▲ $33,232
Liabilities
Other Liabilities$34,027,475$34,364,732▲ $337,257
Accounts Payable and Accrued Expenses$552,237$149,394▼ $402,843
Total Liabilities$34,579,712$34,514,126▼ $65,586
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,161,653$3,437,425▲ $275,772
Total Liabilities and Net Assets / Fund Balance$37,741,365$37,951,551▲ $210,186

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,787,113$1,182,865$2,969,978
Land$400,490-$400,490
Other Land Buildings$48,514$153,440$201,954
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sara KleinPresident/CEOFT$167,799$45,718$213,517

Board Members and Trustees

NameTitle
Ed DicocheaBD Chairman
Brenda GorshuchSC Chair
Sean WilkinsBD Vice Chair
Connie FloydDirector
Derek MilesDirector
Larry MachadoDirector
Valerie RodgersBD Sec/Treas
Dee GotelliSC member
James WoodSC member
Michael Scott NaylorSC member
Scott TaylorSC member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$881,974
Investment Income
$561,326
Other Revenue
$396,310
Change in Net Assets
$275,772
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$844,584
Salaries, Compensation, and Employee Benefits$635,847
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$422,330
Office Expenses---$308,072
Current Officers, Directors, Trustees, and Key Employees---$213,517
Occupancy---$169,792
Fees for Services Other---$88,898
Benefits to Members---$83,407
Travel---$24,364
Advertising---$17,345
Other Expenses---$7,081
All Other Expenses---$2,761
Total Functional Expenses$0$0$0$1,563,838
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
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
Regular Shares$22,504,568
Share Drafts$8,284,014
All Other Deposits$3,576,150
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 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

Form 990, Part VI, Section A, Line 6

“Most members are union members belonging to locals and retirees of locals in Alameda County,Amador County, Butte County, Calaveras County, Contra Costa County, Madera County,Mariposa County, Merced County, Nevada County, Placer County, Sacramento County, San Joaquin County, Stanislaus County, Tuolumne County, Yolo County, and Yuba County in the State of California and their qualifying family members.”

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

“Members can attend the annual meeting and vote for volunteers”

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

“Decisions of the governing body are not subject to approval by members but members have the power to vote in a different board at each annual meeting.”

Form 990, Part VI, Section B, Line 11B

“The return preparer e-mails a draft of the form 990 to a designated officer and/or ceo of the credit union for review. The designated officer and/or ceo sends a copy to the board of director (s). The designated individual(s) review the draft and present any questions, comments, or corrections to the return preparer. Upon satisfactory completion of the form 990, the organization's authorized individual signs the appropriate signature form(s) to authorize the electronic filing of the return. A copy of the form 990, as filed, is provided by the return preparer to theorganization's ceo or other designated individual(s).”

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

“Reviewed by the Board”

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

“All compensation and annual increases for the CEO and top management are determined and approved by the Board of Directors”

Form 990, Part VI, Section C, Line 19

“All required governing documents are displayed in the Credit Union lobby and accessible through the internet at NCUA and DFPI.”

Filing and Contact Details

Filer

Filer Name
Organized Labor Credit Union
EIN
94-2341618
Phone
2095278731
Address
2112 McHenry Ave A, Modesto, CA 95350

Signing Officer

Name
Sara Klein
Title
CEO
Signed
2025-11-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sara Klein
Formed
1974
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
7
Volunteers
13

Preparer

Firm
Richards & Associates
Address
21520 YORBA LINDA BLVD G-516, YORBA LINDA, CA 92887
Preparer
Richards Associates CPAs
Phone
7142876713
Raw XML AppendixShowing 400 of 426 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/BOYAmt0552237
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0149394
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS.
IRS990/AdvertisingGrp/TotalAmt017345
IRS990/AllOtherExpensesGrp/TotalAmt02761
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt083407
IRS990/BooksInCareOfDetail/PersonNm0Sara Klein
IRS990/BooksInCareOfDetail/PhoneNum02095278731
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02112 McHenry Avenue
IRS990/BooksInCareOfDetail/USAddress/CityNm0Modesto
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd095350
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0268838
IRS990/CashNonInterestBearingGrp/EOYAmt0161673
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0213517
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt083407
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0561326
IRS990/CYOtherExpensesAmt0844584
IRS990/CYOtherRevenueAmt0396310
IRS990/CYProgramServiceRevenueAmt0881974
IRS990/CYRevenuesLessExpensesAmt0275772
IRS990/CYSalariesCompEmpBnftPaidAmt0635847
IRS990/CYTotalExpensesAmt01563838
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01839610
IRS990/DAFExcessBusinessHoldingsInd0false
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0Provided deposit and loan accounts to 3,377 members. Provided low cost source of credit and low cost financial services to our members. Provided source for member savings and checking account needs.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt07
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt088898
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/AverageHoursPerWeekRltdOrgRt110.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt92.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt111.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt06363
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/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/PersonNm0Sara Klein
IRS990/Form990PartVIISectionAGrp/PersonNm1Ed Dicochea
IRS990/Form990PartVIISectionAGrp/PersonNm2Sean Wilkins
IRS990/Form990PartVIISectionAGrp/PersonNm3Valerie Rodgers
IRS990/Form990PartVIISectionAGrp/PersonNm4Derek Miles
IRS990/Form990PartVIISectionAGrp/PersonNm5Scott Taylor
IRS990/Form990PartVIISectionAGrp/PersonNm6Connie Floyd
IRS990/Form990PartVIISectionAGrp/PersonNm7Brenda Gorshuch
IRS990/Form990PartVIISectionAGrp/PersonNm8James Wood
IRS990/Form990PartVIISectionAGrp/PersonNm9Larry Machado
IRS990/Form990PartVIISectionAGrp/PersonNm10Dee Gotelli
IRS990/Form990PartVIISectionAGrp/PersonNm11Michael Scott Naylor
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0207154
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
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/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1BD Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2BD Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt3BD Sec/Treas
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5SC member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7SC Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt8SC member
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10SC member
IRS990/Form990PartVIISectionAGrp/TitleTxt11SC member
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01974
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/GrossReceiptsAmt01839610
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0561326
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0561326
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt015862000
IRS990/InvestmentsProgramRelatedGrp/EOYAmt014191000
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01336305
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02199327
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02236117
IRS990/LandBldgEquipCostOrOtherBssAmt03572422
IRS990/LegalDomicileStateCd0CA
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt03161653
IRS990/NetAssetsOrFundBalancesEOYAmt03437425
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0169792
IRS990/OfficeExpensesGrp/TotalAmt0308072
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0627548
IRS990/OtherAssetsTotalGrp/EOYAmt0660780
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Loan Servicing Fees
IRS990/OtherExpensesGrp/Desc1Provision for credit losses
IRS990/OtherExpensesGrp/Desc2Association Dues
IRS990/OtherExpensesGrp/Desc3Regulatory Supervision
IRS990/OtherExpensesGrp/TotalAmt0126442
IRS990/OtherExpensesGrp/TotalAmt189002
IRS990/OtherExpensesGrp/TotalAmt210827
IRS990/OtherExpensesGrp/TotalAmt37081
IRS990/OtherLiabilitiesGrp/BOYAmt034027475
IRS990/OtherLiabilitiesGrp/EOYAmt034364732
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0Fee Income
IRS990/OtherRevenueMiscGrp/Desc1Other non-operating income
IRS990/OtherRevenueMiscGrp/Desc2Rental income
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0264774
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt120800
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2110736
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0264774
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt120800
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2110736
IRS990/OtherRevenueTotalAmt0396310
IRS990/OtherSalariesAndWagesGrp/TotalAmt0422330
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt016190979
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt014405568
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0Sara Klein
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0881974
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0881974
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt034361
IRS990/PYInvestmentIncomeAmt0376047
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0746848
IRS990/PYOtherRevenueAmt0469156
IRS990/PYProgramServiceRevenueAmt0815101
IRS990/PYRevenuesLessExpensesAmt0335042
IRS990/PYSalariesCompEmpBnftPaidAmt0544053
IRS990/PYTotalExpensesAmt01325262
IRS990/PYTotalRevenueAmt01660304
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0275772
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03161653
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03437425
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02592673
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06296413
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01787113
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01182865
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02969978
IRS990ScheduleD/LandGrp/BookValueAmt0400490
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0400490
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt048514
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0153440
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0201954
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03576150
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt122504568
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt28284014
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0All Other Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Regular Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Share Drafts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02236117
IRS990ScheduleD/TotalBookValueProgramRltdAmt014191000
IRS990ScheduleD/TotalLiabilityAmt034364732
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0167799
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount039355
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt06363
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Sara Klein
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0President/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0213517
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Most members are union members belonging to locals and retirees of locals in Alameda County,Amador County, Butte County, Calaveras County, Contra Costa County, Madera County,Mariposa County, Merced County, Nevada County, Placer County, Sacramento County, San Joaquin County, Stanislaus County, Tuolumne County, Yolo County, and Yuba County in the State of California and their qualifying family members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members can attend the annual meeting and vote for volunteers
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Decisions of the governing body are not subject to approval by members but members have the power to vote in a different board at each annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE RETURN PREPARER E-MAILS A DRAFT OF THE FORM 990 TO A DESIGNATED OFFICER AND/OR CEO OF THE CREDIT UNION FOR REVIEW. THE DESIGNATED OFFICER AND/OR CEO SENDS A COPY TO THE BOARD OF DIRECTOR (S). THE DESIGNATED INDIVIDUAL(S) REVIEW THE DRAFT AND PRESENT ANY QUESTIONS, COMMENTS, OR CORRECTIONS TO THE RETURN PREPARER. UPON SATISFACTORY COMPLETION OF THE FORM 990, THE ORGANIZATION'S AUTHORIZED INDIVIDUAL SIGNS THE APPROPRIATE SIGNATURE FORM(S) TO AUTHORIZE THE ELECTRONIC FILING OF THE RETURN. A COPY OF THE FORM 990, AS FILED, IS PROVIDED BY THE RETURN PREPARER TO THEORGANIZATION'S CEO OR OTHER DESIGNATED INDIVIDUAL(S).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Reviewed by the Board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5All compensation and annual increases for the CEO and top management are determined and approved by the Board of Directors
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6All required governing documents are displayed in the Credit Union lobby and accessible through the internet at NCUA and DFPI.
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 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt037741365
IRS990/TotalAssetsEOYAmt037951551
IRS990/TotalAssetsGrp/BOYAmt037741365
IRS990/TotalAssetsGrp/EOYAmt037951551
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01563838
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt034579712
IRS990/TotalLiabilitiesEOYAmt034514126
IRS990/TotalLiabilitiesGrp/BOYAmt034579712
IRS990/TotalLiabilitiesGrp/EOYAmt034514126
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03161653
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03437425
IRS990/TotalOtherCompensationAmt06363
IRS990/TotalProgramServiceRevenueAmt0881974
IRS990/TotalReportableCompFromOrgAmt0207154
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01839610
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01839610
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt037741365
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt037951551
IRS990/TravelGrp/TotalAmt024364
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02112 McHenry Ave A
IRS990/USAddress/CityNm0Modesto
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd095350
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.olcu.org
IRS990/WhistleblowerPolicyInd0true

Document Assets

No mirrored PDF or thumbnail assets are attached yet.