Civic Intelligence

Santa Cruz Community Credit Union

EIN 94-2407726 • 501(c)14 • Santa Cruz, CA

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Profile

A cooperative, organized for the purpose of promoting thrift and savings among its members, creating a source of credit for them at rates of interest set by the board of directors, and providing an opportunity for them to use and control their own money on a democratic basis in order to improve their economic and social conditions. As a cooperative, santa cruz community credit union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefits, or services of the credit union being distributed to its members as patrons. Santa cruz community credit union serves the community as a certified cdfi and low income credit union, ensuring that through economic justice measures, all people receive assistance to improve their lives.

55 River StreetSanta Cruz, CA 95060

www.scccu.org

Siviq Scores

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

Liabilities / Assets

60th percentile

0.90x

Higher debt load relative to assets than 60% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

13th percentile

11.05x

Higher debt load relative to revenue than 13% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

26th percentile

6.1%

Higher net margin than 26% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

95th percentile

$525,554

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 3.5% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

11th percentile

-3.0%

Faster asset growth than 11% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

49th percentile

13%

Faster revenue growth than 49% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets60th percentile

Assets

Down

$186,167,119

Down $5,772,869 (-3.0%) from 2023

Liabilities

Down

$167,441,254

Down $6,697,589 (-3.8%) from 2023

Net Assets

Up

$18,725,865

Up $924,720 (+5.2%) from 2023

Operations
Liabilities / Revenue13th percentileNet Margin26th percentile

Revenue

Up

$15,151,619

Up $1,788,519 (+13%) from 2023

Expenses

Up

$14,234,197

Up $1,830,603 (+15%) from 2023

Net Income

Down

$917,422

Down $42,084 (-4.4%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth11th percentile

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

$200M$150M$100M$50M$0Assets 2010: $87,916,388Liabilities 2010: $80,503,916Net Assets 2010: $7,412,4722010Assets 2011: $96,469,316Liabilities 2011: $88,657,865Net Assets 2011: $7,811,4512011Assets 2012: $103,119,010Liabilities 2012: $96,880,010Net Assets 2012: $6,239,0002012Assets 2013: $105,267,320Liabilities 2013: $99,333,805Net Assets 2013: $5,933,5152013Assets 2014: $103,859,711Liabilities 2014: $98,088,129Net Assets 2014: $5,771,5822014Assets 2015: $107,202,721Liabilities 2015: $101,078,170Net Assets 2015: $6,124,5512015Assets 2016: $112,992,970Liabilities 2016: $105,559,949Net Assets 2016: $7,433,0212016Assets 2017: $113,403,305Liabilities 2017: $105,259,230Net Assets 2017: $8,144,0752017Assets 2018: $121,497,400Liabilities 2018: $112,251,653Net Assets 2018: $9,245,7472018Assets 2019: $125,559,923Liabilities 2019: $115,034,237Net Assets 2019: $10,525,6862019Assets 2020: $171,047,166Liabilities 2020: $158,906,539Net Assets 2020: $12,140,6272020Assets 2021: $184,280,638Liabilities 2021: $169,437,276Net Assets 2021: $14,843,3622021Assets 2022: $188,657,258Liabilities 2022: $171,291,770Net Assets 2022: $17,365,4882022Assets 2023: $191,939,988Liabilities 2023: $174,138,843Net Assets 2023: $17,801,1452023Assets 2024: $186,167,119Liabilities 2024: $167,441,254Net Assets 2024: $18,725,8652024

Highlighted filing

2024

Assets$186,167,119
Liabilities$167,441,254
Net Assets$18,725,865
Open 2024 Filing

Operations Trend

Revenue Growth49th percentile

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

$20M$15M$10M$5.0M$0-$5.0MExpenses 2010: $4,808,0582010Expenses 2011: $4,661,5472011Revenue 2012: $4,656,957Expenses 2012: $6,444,364Net Income 2012: -$1,787,4072012Revenue 2013: $4,900,128Expenses 2013: $4,890,944Net Income 2013: $9,1842013Revenue 2014: $5,821,190Expenses 2014: $6,008,006Net Income 2014: -$186,8162014Revenue 2015: $6,356,555Expenses 2015: $5,960,168Net Income 2015: $396,3872015Revenue 2016: $7,257,939Expenses 2016: $5,909,785Net Income 2016: $1,348,1542016Revenue 2017: $7,482,565Expenses 2017: $6,776,614Net Income 2017: $705,9512017Revenue 2018: $8,041,524Expenses 2018: $6,931,224Net Income 2018: $1,110,3002018Revenue 2019: $9,043,303Expenses 2019: $7,777,249Net Income 2019: $1,266,0542019Revenue 2020: $9,290,078Expenses 2020: $7,710,466Net Income 2020: $1,579,6122020Revenue 2021: $11,384,575Expenses 2021: $8,661,141Net Income 2021: $2,723,4342021Revenue 2022: $14,177,074Expenses 2022: $11,593,769Net Income 2022: $2,583,3052022Revenue 2023: $13,363,100Expenses 2023: $12,403,594Net Income 2023: $959,5062023Revenue 2024: $15,151,619Expenses 2024: $14,234,197Net Income 2024: $917,4222024

Highlighted filing

2024

Revenue$15,151,619
Expenses$14,234,197
Net Income$917,422
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$186,167,119
Liabilities
$167,441,254
Net assets
$18,725,865
Revenue
$15,151,619
Expenses
$14,234,197
Net income
$917,422
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$186$167$18.7$15.2$14.2$0.92
2023Detailed filing. Detailed filing data is available for this year.$192$174$17.8$13.4$12.4$0.96
2022Detailed filing. Detailed filing data is available for this year.$189$171$17.4$14.2$11.6$2.58
2021Detailed filing. Detailed filing data is available for this year.$184$169$14.8$11.4$8.66$2.72
2020Detailed filing. Detailed filing data is available for this year.$171$159$12.1$9.29$7.71$1.58
2019Detailed filing. Detailed filing data is available for this year.$126$115$10.5$9.04$7.78$1.27
2018Detailed filing. Detailed filing data is available for this year.$121$112$9.25$8.04$6.93$1.11
2017Detailed filing. Detailed filing data is available for this year.$113$105$8.14$7.48$6.78$0.71
2016Detailed filing. Detailed filing data is available for this year.$113$106$7.43$7.26$5.91$1.35
2015Detailed filing. Detailed filing data is available for this year.$107$101$6.12$6.36$5.96$0.40
2014Detailed filing. Detailed filing data is available for this year.$104$98.1$5.77$5.82$6.01$0.19
2013Detailed filing. Detailed filing data is available for this year.$105$99.3$5.93$4.90$4.89$0.01
2012Summary only. Only limited summary data is available for this year.$103$96.9$6.24$4.66$6.44$1.79
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$96.5$88.7$7.81$4.66
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$87.9$80.5$7.41$4.81
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 29, 2025
Return Version
2024v5.2
Gross Receipts
$15,151,619
Mission and Program Overview

Mission

A cooperative, organized for the purpose of promoting thrift and savings among its members, creating a source of credit for them at rates of interest set by the board of directors, and providing an opportunity for them to use and control their own money on a democratic basis in order to improve their economic and social conditions. As a cooperative, santa cruz community credit union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefits, or services of the credit union being distributed to its members as patrons. Santa cruz community credit union serves the community as a certified cdfi and low income credit union, ensuring that through economic justice measures, all people receive assistance to improve their lives.

A community development and low income certified financial cooperative organized to serve underserved and promote economic equity.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$153,983,993$148,816,057▼ $5,167,936
Rtn Earn Endowment Incm Other Fnds$17,801,145$18,725,865▲ $924,720
Savings and Temporary Cash Investments$15,257,594$14,446,326▼ $811,268
Land, Buildings, and Equipment, Net$9,496,260$10,778,547▲ $1,282,287
Investments in Publicly Traded Securities$5,313,444$4,924,372▼ $389,072
Cash and Non-Interest-Bearing Accounts$3,800,570$2,606,633▼ $1,193,937
Prepaid Expenses and Deferred Charges$351,735$448,222▲ $96,487
Receivables From Officers Etc-$18,631-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$191,939,988$186,167,119▼ $5,772,869
Other Assets Total$3,736,392$4,128,331▲ $391,939
Liabilities
Other Liabilities$164,453,327$161,734,556▼ $2,718,771
Accounts Payable and Accrued Expenses$9,685,516$5,706,698▼ $3,978,818
Total Liabilities$174,138,843$167,441,254▼ $6,697,589
Net Assets / Fund Balance
Total Net Assets Fund Balance$17,801,145$18,725,865▲ $924,720
Total Liabilities and Net Assets / Fund Balance$191,939,988$186,167,119▼ $5,772,869

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$5,457,426$323,537$5,780,963
Leasehold Improvements$1,775,930$643,011$2,418,941
Buildings$2,113,666$48,038$2,161,704
Equipment$295,572$1,320,012$1,615,584
Land$1,135,953-$1,135,953
Investment Program Related Org$1,500,000--
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Elizabeth CarrCEOFT$301,542$224,012$525,554
Paul BarenfusCLOFT$185,702$39,223$224,925
Katie FairbairnCAOFT$196,780$13,730$210,510
Joseph L CoffmanCTOFT$171,488$20,585$192,073
Jesus BerumenDirector of Consumer Real EstateFT$137,878$41,693$179,571
Edward Cross JrCIOFT$153,988$8,000$161,988
Laura OwenDirector of Comm. Outreach LearnFT$119,630$14,002$133,632
Charlotte EgglestonDirector of E ServicesFT$110,862$19,026$129,888
Sylvia O SanchezCFOFT$107,276$12,523$119,799
Cynthia LopezBsa / Compliance ManagerFT$102,022$11,695$113,717

Board Members and Trustees

NameTitle
Matt FarrellChairman
Linda BrownSupv Cmte Chair
Ami EbrightBoard Member
Elaine JohnsonBoard Member
Jessica LenthBoard Member
Ned Van ValkenburghBoard Member
Sylvia ReyesBoard Member
Paz PadillaBoard Secretary
Tammy PelstringBoard Treasurer
Chuck HahnSupv Cmte Member
Suzanne MacleanSupv Cmte Member

Highest Paid Contractors

ContractorServicesLocationCompensation
Slatter Construction INCBuilding Remodel Services126 FERN STREET, Santa Cruz, CA 95060$639,864
Nielson StudiosLeasehold Improvements ServicesPO BOX 5407, Santa Cruz, CA 95063$349,839
Southwest Strategic MarketingMarketing/ Advertising Services6259 FAIRFAX COURT, Maiden, NC 28650$175,562
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$11,011,351
Investment Income
$760,489
Other Revenue
$3,379,779
Change in Net Assets
$917,422

Audited Revenue Reconciliation

Revenue per Audited Statements
$15,142,770
Revenue Not Reported on Financial Statements
$8,849
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$8,849
Total Revenue per Audited Statements
$15,142,770
Total Revenue per Form 990
$15,151,619
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,920,465
Salaries, Compensation, and Employee Benefits$6,250,848
Grants and Similar Amounts Paid$62,884
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,185,807
Office Expenses---$2,317,901
Interest---$1,835,593
Current Officers, Directors, Trustees, and Key Employees---$1,631,888
Other Employee Benefits---$937,431
Occupancy---$857,089
Payroll Taxes---$362,857
Fees for Services Other---$354,030
Depreciation Depletion---$334,624
Advertising---$303,831
Insurance---$187,611
Pension Plan Contributions---$132,865
Fees for Services Accounting---$124,763
Fees for Services Legal---$124,186
Information Technology---$68,090
Grants to Domestic Orgs---$57,784
Travel---$31,523
Other Expenses---$26,159
Grants to Domestic Individuals---$5,100
Total Functional Expenses$0$0$0$14,234,197

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$14,234,197
Expenses per Audited Statements$14,225,348
Total Expenses per Audited Statements$14,225,348
Expenses Not Reported on Financial Statements$8,849
Other Expense Adjustments$8,849
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Seniors Council of Santa Cruz and San Benito CountiesAptos, CA501(c)(3)To Provide Services to Seniors in the Counties of Santa Cruz and San Benito.$15,000
Pajaro Valley Shelter ServicesWatsonville, CA501(c)(3)To Assist Homeless Women, Children, and Families Obtain Stable Housing Through Temporary Shelter and Services.$5,167
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$1,400
Total Exempt Function Spending$1,400

Section 527 Organizations

OrganizationLocationAmount
94-0357265Ontario, CA$1,400
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees-$18,631-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$160,234,556
Subordinated Debt$1,500,000
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

“Santa cruz community credit union is a cooperative financial institution that is owned and controlled by its members, and operated for the purpose of promoting thrift and savings to its members. Santa cruz community credit union does not have stockholders.”

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

“The governing board of santa cruz community credit union is comprised of volunteer members who are directly elected by its members. Each member of the governing board serves for a period as prescribed by our by-laws.”

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

“At the end of each term of the board members, elections are held and board members are voted by the members of the credit union pursuant to its by-laws. Member votes are also required to ratify decisions dealing with reorganizations as in the case of merger of dissolution.”

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

“The cfo reviews form 990 prior to filing. Subsequently a copy of the form is distributed to the supervisory committee and board of directors.”

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

“The board and management review, update and distribute the conflict of interest policy to all staff and volunteers of the organization. The most recent policy is reviewed and signed by all staff annually.”

Form 990, Part VI, Section B, Line 15

“The organization uses an independent third party compensation and management performance system, hrn - compease, i-performease software. The third party vendor and system independently gather credit union compensation data based on five objective compensable factors and the data is input into our compensation system. The annual compensation data is also shared with the board and annual compensation budgets are reviewed and authorized by the board. Internally, the performance management software determines one's performance and corresponding compensation level. The ceo reviews and approves all staff and management level compensation, and the board oversees and authorizes the ceo performance management and compensation.”

Form 990, Part VI, Section C, Line 19

“Santa cruz community credit union has lobby signage indicating that our governing documents, policies, and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
Santa Cruz Community Credit Union
EIN
94-2407726
Phone
8314257708
Address
55 RIVER STREET, SANTA CRUZ, CA 95060

Signing Officer

Name
Elizabeth Carr
Title
CEO
Phone
8314257708
Signed
2025-10-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Elizabeth Carr
Formed
1977
Legal Domicile
CA
Voting Board Members
8
Independent Board Members
8
Employees
65
Volunteers
12

Preparer

Firm
Turner Warren Hwang & Conrad Acctcy
Address
100 NORTH FIRST ST STE 202, BURBANK, CA 91502
Preparer
Natalie Hull CPA
Phone
8189549700
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“ROUNDING -1.”

FORM 990, PART XII, LINE 2C:

“The organization has not changed either its oversight process or selection process during the tax year.”

Financial Statement Notes

PART X, LINE 2:

“Fasb asc 740-10-65, income taxes, provides guidance for how uncertain tax positions should be recognized, measured, disclosed and presented in the financial statements. This requires the evaluation of tax positions taken or expected to be taken in the course of preparing the credit union's tax returns to determine whether the tax positions are "more likely than not" of being sustained "when challenged or "when examined" by the applicable tax authority. Tax positions deemed to not meet the more-likely-than-not threshold should be recorded as a tax expense and liability in the current year. For the years ended december 31, 2024 and 2023, management has determined that there are no material uncertain tax positions, and accordingly, the credit union has not recorded a liability for the payment of interest or penalties. State taxes, however, are paid on income earned by the credit union in california. The credit union is subject to and pays all state and city taxes on goods and services purchased by the credit union.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Reclassification between revenue and expenses 6,749. Reclassification of scholarship between revenue and expenses 2,100.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Reclassification between revenue and expenses 6,749. Reclassification of scholarship between revenue and expenses 2,100.”

Raw XML AppendixShowing 400 of 682 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/Desc0THE CREDIT UNION IS A COMMUNITY DEVELOPMENT, LOW-INCOME AND JUNTOS AVANZAMOS CERTIFIED CREDIT UNION PROVIDING LOW-COST, LIFE-CHANGING SERVICES, FINANCIAL LEARNING AND OPPORTUNITIES TO ITS LOCAL COMMUNITIES WITH A MISSION TO EMBRACE ECONOMIC JUSTICE AND TO PROVIDE FINANCIAL ACCESS AND OPPORTUNITIES TO ALL PEOPLE. ADDITIONALLY, THE CREDIT UNION'S MISSION INCLUDES SERVING THE UNBANKED AND UNDERSERVED, INCLUDING IMMIGRANTS WITH SPECIAL SERVICE NEEDS.SCCCU PROVIDES A VARIETY OF OPPORTUNITIES TO OUR MINORITY POPULATIONS INCLUDING CONSUMER, REAL ESTATE AND COMMERCIAL/SMALL AND MICRO-BUSINESS LENDING. SPECIFICALLY, THE CREDIT UNION OFFERS "PROYECTO HOGAR" HOME/MANUFACTURED HOME LOANS, NEW AND USED AUTO LOANS, MINORITY AND ITIN BUSINESS LOANS/LINES OF CREDIT, FIRST-TIME BORROWING PROGRAMS AND CREDIT BUILDER LOANS SUCH AS SAVINGS-SECURED CREDIT CARDS AND PERSONAL LOANS.
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IRS990/Form990PartVIISectionAGrp/TitleTxt16CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIR OF CONSUMER REAL ESTATE
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIR OF COMM. OUTREACH LEARN
IRS990/Form990PartVIISectionAGrp/TitleTxt19DIR OF E SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt20BSA / COMPLIANCE MANAGER
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IRS990/MissionDesc0A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, SANTA CRUZ COMMUNITY CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. SANTA CRUZ COMMUNITY CREDIT UNION SERVES THE COMMUNITY AS A CERTIFIED CDFI AND LOW INCOME CREDIT UNION, ENSURING THAT THROUGH ECONOMIC JUSTICE MEASURES, ALL PEOPLE RECEIVE ASSISTANCE TO IMPROVE THEIR LIVES.
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IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDES BUSINESS LENDING AND COMMERCIAL LENDING PRODUCTS INCLUDING REAL ESTATE FIRST AND SECOND LOANS, COMMUNITY DEVELOPMENT AND GOVERNMENT-GUARANTEED LOANS SUCH AS SBA AND CAL COASTAL RURAL DEVELOPMENT SECURED-LOANS AND MICRO-BUSINESS LOANS. ADDITIONALLY, THE CREDIT UNION SERVES MANY MICRO AND SMALL BUSINESSES AND NONPROFITS LOCALLY, AS SANTA CRUZ COUNTY IS A COMMUNITY OF ENTREPRENEURIAL BUSINESSES AND NONPROFITS THAT OFTEN HAVE FEW OPTIONS AVAILABLE TO THEM FROM THE MAINSTREAM BANKING INDUSTRY.
IRS990/ProgSrvcAccomActy3Grp/Desc0THE CREDIT UNION PROVIDES CONSUMER AND BUSINESS FINANCIAL PRODUCTS AND SERVICES GEARED TO SUPPORTING THE LOCAL COMMUNITY MEMBERS TO BE VIABLE AND SELF-SUFFICIENT IN THEIR FINANCIAL ENDEAVORS. SERVICES INCLUDING A VARIETY OF LOW AND NO-FEE CONSUMER AND BUSINESS CHECKING AND SAVINGS ACCOUNTS AS WELL AS IRA ACCOUNTS, MATRICULA CONSULAR, SECOND CHANCE CHECKING AND SAVINGS-SECURED LOANS THAT HAVE BEEN DESIGNED TO SERVE BOTH MODERATE AND LOW-INCOME COMMUNITY MEMBERS, OUR IMMIGRANT COMMUNITY AND THOSE LIVING IN STRUGGLING ECONOMIC AREAS.
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IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt02855 E GUASTI ROAD SUITE 202
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IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0CONTRIBUTION TO CALIFORNIA CREDIT UNION LEAGUE TO PROMOTE TRADE INFORMATION PERTAINING TO CREDIT UNIONS.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I-A, LINE 1:
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