Civic Intelligence

Pacific Service Credit Union

990 • Fiscal year 2012 • EIN 94-6061277

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 12, 2013

Organization ProfileWWW.PACIFICSERVICE.ORG

View Organization Page

3000 Clayton Road94519
Siviq Scores

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

Liabilities / Assets

11th percentile

0.87x

Higher debt load relative to assets than 11% of similar nonprofits.

2012 filings • 501(c)14 • $1B+ nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

10th percentile

1.1%

Faster asset growth than 10% of similar nonprofits.

2012 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets11th percentile

Assets

Up

$1,073,566,949

Up $11,185,167 (+1.1%) from 2011

Net Assets

Up

$136,392,348

Up $1,513,654 (+1.1%) from 2011

Liabilities

Up

$937,174,601

Up $9,671,513 (+1.0%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$27,714,646

Down $5,036,514 (-15%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth10th percentile

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

$1.5B$1.0B$500M$0Assets 2010: $1,068,788,233Liabilities 2010: $935,070,680Net Assets 2010: $133,717,5532010Assets 2011: $1,062,381,782Liabilities 2011: $927,503,088Net Assets 2011: $134,878,6942011Assets 2012: $1,073,566,949Liabilities 2012: $937,174,601Net Assets 2012: $136,392,3482012Assets 2013: $1,072,706,453Liabilities 2013: $935,688,223Net Assets 2013: $137,018,2302013Assets 2014: $1,084,862,001Liabilities 2014: $944,139,689Net Assets 2014: $140,722,3122014Assets 2015: $1,118,482,237Liabilities 2015: $972,231,992Net Assets 2015: $146,250,2452015Assets 2016: $1,148,124,123Liabilities 2016: $995,575,810Net Assets 2016: $152,548,3132016Assets 2017: $1,162,058,673Liabilities 2017: $1,007,351,524Net Assets 2017: $154,707,1492017Assets 2018: $1,153,544,192Liabilities 2018: $989,062,933Net Assets 2018: $164,481,2592018Assets 2019: $1,166,911,803Liabilities 2019: $993,363,037Net Assets 2019: $173,548,7662019Assets 2020: $1,322,398,530Liabilities 2020: $1,142,081,891Net Assets 2020: $180,316,6392020Assets 2021: $1,408,244,390Liabilities 2021: $1,228,143,758Net Assets 2021: $180,100,6322021Assets 2022: $1,429,006,506Liabilities 2022: $1,274,203,440Net Assets 2022: $154,803,0662022Assets 2024: $1,377,851,593Liabilities 2024: $1,206,954,754Net Assets 2024: $170,896,8392024

Highlighted filing

2012

Assets$1,073,566,949
Liabilities$937,174,601
Net Assets$136,392,348
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$80M$60M$40M$20M$0Expenses 2010: $41,378,2552010Revenue 2011: $33,911,991Expenses 2011: $32,751,160Net Income 2011: $1,160,8312011Expenses 2012: $27,714,6462012Revenue 2013: $27,538,841Expenses 2013: $25,754,619Net Income 2013: $1,784,2222013Revenue 2014: $29,154,489Expenses 2014: $25,223,112Net Income 2014: $3,931,3772014Revenue 2015: $32,565,605Expenses 2015: $26,106,228Net Income 2015: $6,459,3772015Revenue 2016: $34,035,582Expenses 2016: $29,024,480Net Income 2016: $5,011,1022016Revenue 2017: $36,877,855Expenses 2017: $31,299,663Net Income 2017: $5,578,1922017Revenue 2018: $43,219,648Expenses 2018: $35,150,364Net Income 2018: $8,069,2842018Revenue 2019: $47,870,888Expenses 2019: $40,571,079Net Income 2019: $7,299,8092019Revenue 2020: $47,480,452Expenses 2020: $43,026,747Net Income 2020: $4,453,7052020Revenue 2021: $45,146,351Expenses 2021: $40,544,137Net Income 2021: $4,602,2142021Revenue 2022: $55,384,960Expenses 2022: $47,670,222Net Income 2022: $7,714,7382022Revenue 2024: $75,071,745Expenses 2024: $69,156,402Net Income 2024: $5,915,3432024

Highlighted filing

2012

Revenue-
Expenses$27,714,646
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 12, 2013
Return Version
2012v2.1
Gross Receipts
$456,070,893
Mission and Program Overview

Mission

The organization is a full service state-chartered credit union that provides a broad range of loan and deposit products and other financial services to its members using various channels including branches, a call center, mobile applications, and the internet.

Major Activities

Activity 2
Pscu offers a variety of deposit products including savings, checking, money market, certificate, ira, coverdell education savings and youth accounts. Pscu checking product options can earn interest, are free from monthly service charges, allow the member to obtain rate discounts on auto loans or help a young member open their first checking account. Pscu's deposit rates are competitive with the market and are typically higher than banks.
Activity 3
Pscu offers a variety of competitively priced mortgage loan options available for a primary residence or second home. Pscu home equity loan options range from 5 to 15 years, and members may also obtain home equity lines of credit. Pscu offers vehicle loans for new and used cars, new and used boats, as well as new and used rvs. Visa credit card loans include a no annual fee option as well as a card earning rewards points. Pscu offers consumer loans for members such as loans, personal signature loans, as well as share- and certificate-secured loans. For our members just starting to build their credit, pscu also offers a starter visa and a first-time auto loan program.
Filing and Contact Details

Filer

EIN
94-6061277
Raw XML AppendixShowing 400 of 815 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/Activity2/Description0PSCU OFFERS A VARIETY OF DEPOSIT PRODUCTS INCLUDING SAVINGS, CHECKING, MONEY MARKET, CERTIFICATE, IRA, COVERDELL EDUCATION SAVINGS AND YOUTH ACCOUNTS. PSCU CHECKING PRODUCT OPTIONS CAN EARN INTEREST, ARE FREE FROM MONTHLY SERVICE CHARGES, ALLOW THE MEMBER TO OBTAIN RATE DISCOUNTS ON AUTO LOANS OR HELP A YOUNG MEMBER OPEN THEIR FIRST CHECKING ACCOUNT. PSCU'S DEPOSIT RATES ARE COMPETITIVE WITH THE MARKET AND ARE TYPICALLY HIGHER THAN BANKS.
IRS990/Activity3/Description0PSCU OFFERS A VARIETY OF COMPETITIVELY PRICED MORTGAGE LOAN OPTIONS AVAILABLE FOR A PRIMARY RESIDENCE OR SECOND HOME. PSCU HOME EQUITY LOAN OPTIONS RANGE FROM 5 TO 15 YEARS, AND MEMBERS MAY ALSO OBTAIN HOME EQUITY LINES OF CREDIT. PSCU OFFERS VEHICLE LOANS FOR NEW AND USED CARS, NEW AND USED BOATS, AS WELL AS NEW AND USED RVS. VISA CREDIT CARD LOANS INCLUDE A NO ANNUAL FEE OPTION AS WELL AS A CARD EARNING REWARDS POINTS. PSCU OFFERS CONSUMER LOANS FOR MEMBERS SUCH AS LOANS, PERSONAL SIGNATURE LOANS, AS WELL AS SHARE- AND CERTIFICATE-SECURED LOANS. FOR OUR MEMBERS JUST STARTING TO BUILD THEIR CREDIT, PSCU ALSO OFFERS A STARTER VISA AND A FIRST-TIME AUTO LOAN PROGRAM.
IRS990/ActivityOrMissionDescription0THE ORGANIZATION IS A FULL SERVICE STATE-CHARTERED CREDIT UNION THAT PROVIDES A BROAD RANGE OF LOAN AND DEPOSIT PRODUCTS AND OTHER FINANCIAL SERVICES TO ITS MEMBERS USING VARIOUS CHANNELS INCLUDING BRANCHES, A CALL CENTER, AND THE INTERNET.
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IRS990/Description0PACIFIC SERVICE CREDIT UNION (PSCU) WAS FOUNDED IN 1936 TO SERVE EMPLOYEES OF PG&E IN THE SAN FRANCISCO BAY AREA. OVER SEVENTY-FIVE YEARS LATER, PSCU NOW SERVES MORE THAN 57,000 MEMBERS WHO LIVE, WORK, WORSHIP OR ATTEND SCHOOL IN ALAMEDA, CONTRA COSTA, FRESNO, MARIN, NAPA, PLACER, SACRAMENTO, SAN FRANCISCO, SAN MATEO, SANTA CLARA, SOLANO AND SONOMA COUNTIES. MEMBERS CAN TRANSACT IN ANY OF OUR FIVE BRANCHES, AT ANY OF OVER 6,500 SHARED BRANCH LOCATIONS AVAILABLE THROUGH CO-OP SHARED BRANCH NETWORK, USING ATMS, ONLINE VIA OUR INTERNET HOME BANKING OR MOBILE SITES, USING POINT OF SALE WITH THEIR VISA DEBIT OR CREDIT CARD OR BY CALLING OUR TELEPHONE SERVICE CENTER OR TOLL-FREE AUTOMATED TELEPHONE BANKING SYSTEM.
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IRS990/InvestmentsPubTradedSecurities/EOY0673377578
IRS990/LandBldgEquipmentAccumDeprec011417810
IRS990/LandBuildingsEquipmentBasis019278625
IRS990/LandBuildingsEquipmentBasisNet/BOY04346451
IRS990/LandBuildingsEquipmentBasisNet/EOY07860815
IRS990/LessCostOthBasisSalesExpenses/Other03058568
IRS990/LessCostOthBasisSalesExpenses/Securities0423686699
IRS990/LoanToOfficerOrDQP01
IRS990/LocalChapters01
IRS990/MaterialDiversionOrMisuse00
IRS990/MembersOrStockholders01
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees01
IRS990/MinutesOfGoverningBody01
IRS990/MissionDescription0THE ORGANIZATION IS A FULL SERVICE STATE-CHARTERED CREDIT UNION THAT PROVIDES A BROAD RANGE OF LOAN AND DEPOSIT PRODUCTS AND OTHER FINANCIAL SERVICES TO ITS MEMBERS USING VARIOUS CHANNELS INCLUDING BRANCHES, A CALL CENTER, AND THE INTERNET.
IRS990/MoreThan5000KToIndividuals00
IRS990/MoreThan5000KToOrganizations00
IRS990/NameOfPrincipalOfficerPerson0STEPHEN PUNCH
IRS990/NbrIndependentVotingMembers09
IRS990/NbrVotingGoverningBodyMembers09
IRS990/NbrVotingMembersGoverningBody09
IRS990/NetAssetsOrFundBalancesBOY0134878694
IRS990/NetAssetsOrFundBalancesEOY0136392348
IRS990/NetGainOrLossInvestments/ExclusionAmount0388745
IRS990/NetGainOrLossInvestments/TotalRevenueColumn0618729
IRS990/NetGainOrLossInvestments/UnrelatedBusinessRevenue0229984
IRS990/NetUnrelatedBusinessTxblIncome0-65587
IRS990/NonDeductibleContributions00
IRS990/NumberFormsTransmittedWith1096015795
IRS990/NumberIndependentVotingMembers09
IRS990/NumberIndividualsGT100K022
IRS990/NumberOfContractorsGT100K04
IRS990/NumberOfEmployees099
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total01762085
IRS990/OfficeExpenses/Total01327359
IRS990/OfficerEntityWithBsnssRltnshp00
IRS990/OfficerMailingAddress00
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY013586929
IRS990/OtherAssetsTotal/EOY014370278
IRS990/OtherEmployeeBenefits/Total01711107
IRS990/OtherExpensePriorYear014633181
IRS990/OtherExpensesCurrentYear011361490
IRS990/OtherExpenses/Description0PROVISION FOR LOAN LOSS
IRS990/OtherExpenses/Description1MEMBER LOAN SERVICING
IRS990/OtherExpenses/Description2SHARE INSURANCE
IRS990/OtherExpenses/Total01941980
IRS990/OtherExpenses/Total11252720
IRS990/OtherExpenses/Total2870846
IRS990/OtherLiabilities/BOY0915215314
IRS990/OtherLiabilities/EOY0924105260
IRS990/OtherNotesLoansReceivableNet/BOY0368650014
IRS990/OtherNotesLoansReceivableNet/EOY0360238354
IRS990/OtherRevenueCurrentYear044998
IRS990/OtherRevenueMisc/BusinessCode0522100
IRS990/OtherRevenueMisc/Description0OTHER NON-INTEREST INCOME
IRS990/OtherRevenueMisc/RelatedOrExemptFunctionIncome044998
IRS990/OtherRevenueMisc/TotalRevenueColumn044998
IRS990/OtherRevenuePriorYear030430
IRS990/OtherSalariesAndWages/Total05663166
IRS990/PaidInCapSrplsLandBldgEqpFund/BOY00
IRS990/PaidInCapSrplsLandBldgEqpFund/EOY00
IRS990/PartialLiquidation00
IRS990/PayrollTaxes/Total0501076
IRS990/PensionPlanContributions/Total0763809
IRS990/PoliciesReferenceChapters01
IRS990/PoliticalActivities00
IRS990/PrepaidExpensesDeferredCharges/BOY0752732
IRS990/PrepaidExpensesDeferredCharges/EOY0711644
IRS990/ProfessionalFundraising00
IRS990/ProgramServiceRevenue/BusinessCode0522100
IRS990/ProgramServiceRevenue/BusinessCode1522100
IRS990/ProgramServiceRevenue/BusinessCode2522100
IRS990/ProgramServiceRevenueCY025186963
IRS990/ProgramServiceRevenue/Description0INTEREST ON LOANS
IRS990/ProgramServiceRevenue/Description1INTERCHANGE INCOME
IRS990/ProgramServiceRevenue/Description2SERVICE CHARGES & FEES
IRS990/ProgramServiceRevenuePriorYear028093927
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome021174801
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome12727445
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome21263065
IRS990/ProgramServiceRevenue/TotalRevenueColumn021174801
IRS990/ProgramServiceRevenue/TotalRevenueColumn12727445
IRS990/ProgramServiceRevenue/TotalRevenueColumn21284717
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue021652
IRS990/ProhibitedTaxShelterTrans00
IRS990/ReceivablesFromOfficersEtc/BOY028608
IRS990/ReceivablesFromOfficersEtc/EOY023600
IRS990/ReconcilationOtherChanges083874
IRS990/ReconcilationRevenueExpenses01610980
IRS990/ReconciliationUnrealizedInvest0-181200
IRS990/RegularMonitoringEnforcement01
IRS990/RelatedEntity01
IRS990/RelatedOrgControlledEntity00
IRS990/ReportFin48Footnote01
IRS990/ReportInvestOthSecurities00
IRS990/ReportLandBldgEquip01
IRS990/ReportOtherAssets00
IRS990/ReportOtherLiabilities01
IRS990/ReportProgRelInvest00
IRS990/RetainedEarningsEndowmentEtc/BOY0134878694
IRS990/RetainedEarningsEndowmentEtc/EOY0136392348
IRS990/RevenuesLessExpensesCY01610980
IRS990/RevenuesLessExpensesPriorYear01160831
IRS990/SalariesEtcCurrentYear011269403
IRS990/SalariesEtcPriorYear011336844
IRS990/SavingsAndTempCashInvestments/BOY022610465

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$1,073,566,949
Liabilities
$937,174,601
Net assets
$136,392,348
Revenue
-
Expenses
$27,714,646
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,378$1,207$171$75.1$69.2$5.92
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,429$1,274$155$55.4$47.7$7.71
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,408$1,228$180$45.1$40.5$4.60
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,322$1,142$180$47.5$43.0$4.45
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,167$993$174$47.9$40.6$7.30
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,154$989$164$43.2$35.2$8.07
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,162$1,007$155$36.9$31.3$5.58
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,148$996$153$34.0$29.0$5.01
2015Detailed filing. Detailed filing data is available for this year.$1,118$972$146$32.6$26.1$6.46
2014Detailed filing. Detailed filing data is available for this year.$1,085$944$141$29.2$25.2$3.93
2013Detailed filing. Detailed filing data is available for this year.$1,073$936$137$27.5$25.8$1.78
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,074$937$136$27.7
2011Summary only. Only limited summary data is available for this year.$1,062$928$135$33.9$32.8$1.16
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,069$935$134$41.4