Civic Intelligence

Pacific Service Credit Union

990 • Fiscal year 2016 • EIN 94-6061277

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 13, 2017

Organization ProfileWWW.PACIFICSERVICE.ORG

View Organization Page

3000 Clayton RoadConcord, CA 94519

(925) 609-5000

Siviq Scores

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

Liabilities / Assets

8th percentile

0.87x

Higher debt load relative to assets than 8% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Liabilities / Revenue

94th percentile

29.25x

Higher debt load relative to revenue than 94% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Net Margin

36th percentile

15%

Higher net margin than 36% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Top Officer Pay

82nd percentile

$1,255,990

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 3.7% of source-year revenue.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Asset Growth

5th percentile

2.7%

Faster asset growth than 5% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Revenue Growth

14th percentile

4.5%

Faster revenue growth than 14% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets8th percentile

Assets

Up

$1,148,124,123

Up $29,641,886 (+2.7%) from 2015

Net Assets

Up

$152,548,313

Up $6,298,068 (+4.3%) from 2015

Liabilities

Up

$995,575,810

Up $23,343,818 (+2.4%) from 2015

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin36th percentile

Revenue

Up

$34,035,582

Up $1,469,977 (+4.5%) from 2015

Expenses

Up

$29,024,480

Up $2,918,252 (+11%) from 2015

Net Income

Down

$5,011,102

Down $1,448,275 (-22%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth5th 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

2016

Assets$1,148,124,123
Liabilities$995,575,810
Net Assets$152,548,313
Open 2016 Filing

Operations Trend

Revenue Growth14th percentile

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

2016

Revenue$34,035,582
Expenses$29,024,480
Net Income$5,011,102
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 13, 2017
Return Version
2016v3.0
Gross Receipts
$205,423,911
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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$458,723,795$530,545,835▲ $71,822,040
Investments in Publicly Traded Securities$574,339,192$496,666,441▼ $77,672,751
Rtn Earn Endowment Incm Other Fnds$146,250,245$152,548,313▲ $6,298,068
Savings and Temporary Cash Investments$60,951,051$95,887,805▲ $34,936,754
Land, Buildings, and Equipment, Net$6,634,840$6,354,358▼ $280,482
Cash and Non-Interest-Bearing Accounts$1,422,455$1,383,609▼ $38,846
Prepaid Expenses and Deferred Charges$981,054$1,079,378▲ $98,324
Investments Other Securities$850,000$850,000→ $0
Accounts Receivable$290,192$282,282▼ $7,910
Receivables From Officers Etc$8,753$3,595▼ $5,158
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,118,482,237$1,148,124,123▲ $29,641,886
Other Assets Total$14,280,905$15,070,820▲ $789,915
Liabilities
Other Liabilities$957,123,799$978,986,617▲ $21,862,818
Accounts Payable and Accrued Expenses$15,108,193$16,589,193▲ $1,481,000
Total Liabilities$972,231,992$995,575,810▲ $23,343,818
Net Assets / Fund Balance
Total Net Assets Fund Balance$146,250,245$152,548,313▲ $6,298,068
Total Liabilities and Net Assets / Fund Balance$1,118,482,237$1,148,124,123▲ $29,641,886

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$643,716$7,316,845$7,960,561
Buildings$3,393,433$2,027,387$5,420,820
Equipment$429,408$3,544,992$3,974,400
Land$1,837,364-$1,837,364
Leasehold Improvements$50,437$945,782$996,219
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Stephen PunchPresident/CEOFT$539,783$718,816$1,258,599
Chris OldagVPFT$236,199$88,704$324,903
David KatoVP/CFOFT$229,161$92,395$321,556
Nannette CutliffVPFT$238,079$73,860$311,939
Virginia LampsonVPFT$224,806$71,443$296,249
Kristin DoveVPFT$196,746$82,083$278,829
Barbara SmithVPFT$189,101$80,073$269,174
Vicki TuranoAvp/controllerFT$165,000$45,314$210,314
Steven CraigeAvpFT$154,777$53,725$208,502
Hemlata PatelAvpFT$138,279$56,912$195,191
Michelle ShelorAvpFT$131,349$43,763$175,112
Aaron Dye-inouyeRetail Systems and Development Manag-$115,048$51,243$166,291
Aaron Dye-inouyeRetail Systems and Development ManagerFT$130,000$35,784$165,784
Jay StirmSystems AnalystFT$111,169$47,348$158,517

Board Members and Trustees

NameTitle
Maria De MartiniChair
Amar PanchalVice Chair
Carlos DiazDirector
David SenaDirector
Jim PetersonDirector
John CadwaladerDirector
Kathleen TapperoDirector
William ChenDirector
Julia BanningSecrectary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & Associates INCIt/operationsPO BOX 609, Monett, MO 65708$423,077
Business Data INCHr/marketingPO BOX 6081, Inglewood, CA 90312-6081$407,350
Fiserv INCOperationsPO BOX 418410, Boston, MA 02241-8410$397,145
Insight Direct USA INCIt/operationsPO BOX 731069, Dallas, TX 75373-1069$390,049
At&tIt/operationsPO BOX 5019, Carol Stream, IL 60197-2019$336,201
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$26,918,283
Investment Income
$6,894,519
Other Revenue
$222,780
Change in Net Assets
$5,011,102

Audited Revenue Reconciliation

Revenue per Audited Statements
$34,035,582
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$34,035,582
Total Revenue per Form 990
$34,035,582
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$14,337,303
Other Expenses$11,638,026
Grants and Similar Amounts Paid$123,280
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$7,361,116
Current Officers, Directors, Trustees, and Key Employees---$3,271,563
Benefits to Members---$2,925,871
Other Employee Benefits---$2,267,634
Fees for Services Other---$1,896,367
Information Technology---$1,687,873
Office Expenses---$1,460,914
Occupancy---$1,104,154
Depreciation Depletion---$908,423
Advertising---$811,672
Pension Plan Contributions---$787,847
Other Expenses---$775,090
Payroll Taxes---$649,143
Fees for Services Management---$353,717
Travel---$142,658
Conferences and Meetings---$133,212
Grants to Domestic Orgs---$123,280
Fees for Services Accounting---$85,028
Fees for Services Legal---$65,065
Fees for Service Investment Mgmnt Fees---$4,434
Total Functional Expenses$0$0$0$29,024,480

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$29,024,480
Total Expenses per Audited Statements$29,024,480
Total Expenses per Form 990$29,024,480
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Food Bank of Contra Costa CountyConcord, CA501(c)(3)General Program Support$30,000
CHILDREN'S MIRACLE NETWORK HOSPITALSSalt Lake City, UT501(c)(3)General Program Support$10,300
Leukemia & Lymphoma SocietySan Francisco, CA501(c)(3)Support Fundraising Program$10,000
Loaves & Fishes of Contra Costa CountyConcord, CA501(c)(3)General Program Support$10,000
The Salvation ArmySacramento, CA501(c)(3)Support Holiday Meal and Toys Program$10,000
Bay Area Rescue MissionRichmond, CA501(c)(3)Support Holiday Meal Program$8,000
VALLEY CHILDREN'S HOSPITALMadera, CA501(c)(3)General Program Support$6,000
Youth Homes IncPleasant Hill, CA501(c)(3)General Program Support & Christmas Gift for Children$5,000
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$7,000
Total Exempt Function Spending$7,000

Section 527 Organizations

OrganizationLocationAmount
94-2329967Sacramento, CA$5,000
74-3032874Sunnyvale, CA$2,000
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$8,753$3,595▼ $5,158
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Money Market Accounts$408,217,215
Member Regular Certificate Accounts$272,265,086
Member Share Accounts$192,150,111
Member Checking Accounts$106,354,205
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, Section A, Line 6

“The credit union is a member-owned non-profit tax-exempt corporation in which each member owns an equal share.”

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

“The credit union members elect the board of directors.”

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

“Certain decisions of the credit union's governing body are subject to approval by members, e.g., a change in the credit union's charter.”

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

“Form 990 is reviewed in detail by the credit union's controller. The chief financial officer reviews form 990 for completeness and consistency with the credit union policies and procedures. The chief executive officer and board of directors are provided a copy of form 990 before it is filed with the irs.”

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

“The employee conduct section of the credit union's employee handbook cites employee conflicts of interest as reason for disciplinary action. Employees are required to acknowledge the employee handbook on an annual basis. In compliance with the federal credit union act, volunteers are required to disclose actual or potential conflicts of interest upon volunteering.”

Form 990, Part VI, Section B, Line 15

“The board of directors reviews independent third party executive compensation surveys and determines appropriate compensation for the ceo. The board of directors approves the credit union's annual salary budget. Salary ranges for all positions are maintained to reflect market salaries based on participation in industry surveys. Top management and key employees' salaries are initially within the range for that position, based on the employee's experience, and adjusted annually according to performance management and budget constraints.”

Form 990, Part VI, Section C, Line 19

“The credit union makes its by-laws available to members upon request. Policies and procedures are not generally made available to the public. A monthly balance sheet and income statement are posted in the credit union's branches. Annual financial statements are published in the annual report. Audited financial statements are available to members upon request for the same period of disclosure as set forth in section 6104(d).”

Filing and Contact Details

Filer

Filer Name
Pacific Service Credit Union
EIN
94-6061277
Phone
9256095000
Address
3000 CLAYTON ROAD, CONCORD, CA 94519

Signing Officer

Name
David Kato
Title
VP & CFO
Phone
9256095000
Signed
2017-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Stephen Punch
Formed
1936
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
149
Volunteers
16

Preparer

Firm
Rsm US Llp
Address
801 NICOLLET MALL SUITE 1100, MINNEAPOLIS, MN 55402
Preparer
Gerald B Kissell
Phone
6123324300
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Net change in loss on defined benefit postretirement medical plan 728,683. Reclass adjustment for net realized gain on afs investments -67,898.”

Financial Statement Notes

PART IV, LINE 1B:

“The credit union is the administrator of psea, pseva, psfcu, and sjpecu retiree medical benefit trust (the trust). Administrative activities include disbursing payments for medical insurance premiums, collecting participant contributions, managing cash flows, investing net assets, preparing financial statements, and preparing tax returns. Amounts due between the credit union and the trust are reimbursed semiannually.”

PART X, LINE 2:

“Fasb codification topic 740, 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 to be sustained "when challenged or "when examined" by the applicable tax authority. Tax positions not deemed to meet the more-likely-than-not threshold would be recorded as a tax expense and liability in the current year. For the years ended december 31, 2016 and 2015, management has determined that there are no material uncertain tax positions.”

Raw XML AppendixShowing 400 of 909 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/Desc0PACIFIC 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 58,000 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 SIX BRANCHES, AT ANY OF OVER 5,000 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/Form990PartVIISectionAGrp/PersonNm1AMAR PANCHAL
IRS990/Form990PartVIISectionAGrp/PersonNm2JULIA BANNING
IRS990/Form990PartVIISectionAGrp/PersonNm3DAVID SENA
IRS990/Form990PartVIISectionAGrp/PersonNm4CARLOS DIAZ
IRS990/Form990PartVIISectionAGrp/PersonNm5JOHN CADWALADER
IRS990/Form990PartVIISectionAGrp/PersonNm6JIM PETERSON
IRS990/Form990PartVIISectionAGrp/PersonNm7WILLIAM CHEN
IRS990/Form990PartVIISectionAGrp/PersonNm8KATHLEEN TAPPERO
IRS990/Form990PartVIISectionAGrp/PersonNm9STEPHEN PUNCH
IRS990/Form990PartVIISectionAGrp/PersonNm10DAVID KATO
IRS990/Form990PartVIISectionAGrp/PersonNm11VICKI TURANO
IRS990/Form990PartVIISectionAGrp/PersonNm12CHRIS OLDAG
IRS990/Form990PartVIISectionAGrp/PersonNm13NANNETTE CUTLIFF
IRS990/Form990PartVIISectionAGrp/PersonNm14VIRGINIA LAMPSON
IRS990/Form990PartVIISectionAGrp/PersonNm15KRISTIN DOVE
IRS990/Form990PartVIISectionAGrp/PersonNm16BARBARA SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm17STEVEN CRAIGE
IRS990/Form990PartVIISectionAGrp/PersonNm18HEMLATA PATEL
IRS990/Form990PartVIISectionAGrp/PersonNm19MICHELLE SHELOR
IRS990/Form990PartVIISectionAGrp/PersonNm20AARON DYE-INOUYE
IRS990/Form990PartVIISectionAGrp/PersonNm21JAY STIRM
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRECTARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11AVP/CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP
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IRS990/Form990PartVIISectionAGrp/TitleTxt15VP
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP
IRS990/Form990PartVIISectionAGrp/TitleTxt17AVP
IRS990/Form990PartVIISectionAGrp/TitleTxt18AVP
IRS990/Form990PartVIISectionAGrp/TitleTxt19AVP
IRS990/Form990PartVIISectionAGrp/TitleTxt20RETAIL SYSTEMS AND DEVELOPMENT MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt21SYSTEMS ANALYST
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0682441
IRS990/GainOrLossGrp/SecuritiesAmt067898
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticOrgsGrp/TotalAmt0123280
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt043008230
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0129130438
IRS990/GrossReceiptsAmt0205423911
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt026
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01687873
IRS990/InvestmentIncomeGrp/ExclusionAmt06144180
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt06144180
IRS990/InvestmentInJointVentureInd00
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IRS990/IRPDocumentCnt014172
IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt06354358
IRS990/LandBldgEquipCostOrOtherBssAmt020189364
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IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0129062540
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IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THE 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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt0152548313
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IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0750339
IRS990/NetUnrelatedBusTxblIncmAmt0-142644
IRS990/NetUnrlzdGainsLossesInvstAmt0626181
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01104154
IRS990/OfficeExpensesGrp/TotalAmt01460914
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt014280905
IRS990/OtherAssetsTotalGrp/EOYAmt015070820
IRS990/OtherChangesInNetAssetsAmt0660785
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02267634
IRS990/OtherExpensesGrp/Desc0MEMBER LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt02209419
IRS990/OtherExpensesGrp/TotalAmt1775090
IRS990/OtherLiabilitiesGrp/BOYAmt0957123799
IRS990/OtherLiabilitiesGrp/EOYAmt0978986617
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER NON-INTEREST INCOME
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0222780
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0530545835
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IRS990/PensionPlanContributionsGrp/TotalAmt0787847
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0981054
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01079378
IRS990/PrincipalOfficerNm0STEPHEN PUNCH
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IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2SERVICE CHARGES & FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt021339666
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13605441
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21896965
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13650155
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21928462
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt044714
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt131497
IRS990/ProgSrvcAccomActy2Grp/Desc0PSCU OFFERS A VARIETY OF DEPOSIT PRODUCTS INCLUDING SAVINGS, CHECKING, MONEY MARKET, CERTIFICATE, IRS, 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. TOTAL MEMBER SHARE BALANCE AT DECEMBER 31, 2016 WAS $978,986,617.
IRS990/ProgSrvcAccomActy3Grp/Desc0PSCU 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 OTHER CONSUMER LOANS FOR MEMBERS SUCH AS PERSONAL SIGNATURE LOANS, AS WELL AS SHARE AND CERTIFICATE SECURED LOANS. FOR OUR MEMBERS WHO ARE STARTING TO BUILD THEIR CREDIT, PSCU OFFERS A STARTER VISA AND A FIRST-TIME AUTO LOAN PROGRAM. TOTAL MEMBER LOAN BALANCE AT DECEMBER 31, 2016 WAS $531,886,008.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt02980340
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt0133422
IRS990/PYInvestmentIncomeAmt05665945
IRS990/PYOtherExpensesAmt09445622
IRS990/PYOtherRevenueAmt0480813
IRS990/PYProgramServiceRevenueAmt026418847
IRS990/PYRevenuesLessExpensesAmt06459377
IRS990/PYSalariesCompEmpBnftPaidAmt013546844
IRS990/PYTotalExpensesAmt026106228
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt032565605
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt08753
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt03595
IRS990/ReconcilationRevenueExpnssAmt05011102
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,148,124,123
Liabilities
$995,575,810
Net assets
$152,548,313
Revenue
$34,035,582
Expenses
$29,024,480
Net income
$5,011,102
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
2016Detailed filing. Detailed filing data is available for this year.$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