Civic Intelligence

Pacific Service Credit Union

990 • Fiscal year 2019 • EIN 94-6061277

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 02, 2020

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

9th percentile

0.85x

Higher debt load relative to assets than 9% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Liabilities / Revenue

82nd percentile

20.75x

Higher debt load relative to revenue than 82% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Net Margin

35th percentile

15%

Higher net margin than 35% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Top Officer Pay

72nd percentile

$1,223,389

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 2.6% of source-year revenue.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Asset Growth

3rd percentile

1.2%

Faster asset growth than 3% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Revenue Growth

41st percentile

11%

Faster revenue growth than 41% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets9th percentile

Assets

Up

$1,166,911,803

Up $13,367,611 (+1.2%) from 2018

Net Assets

Up

$173,548,766

Up $9,067,507 (+5.5%) from 2018

Liabilities

Up

$993,363,037

Up $4,300,104 (+0.4%) from 2018

Revenue And Expenses
Liabilities / Revenue82nd percentileNet Margin35th percentile

Revenue

Up

$47,870,888

Up $4,651,240 (+11%) from 2018

Expenses

Up

$40,571,079

Up $5,420,715 (+15%) from 2018

Net Income

Down

$7,299,809

Down $769,475 (-9.5%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth3rd 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

2019

Assets$1,166,911,803
Liabilities$993,363,037
Net Assets$173,548,766
Open 2019 Filing

Operations Trend

Revenue Growth41st 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

2019

Revenue$47,870,888
Expenses$40,571,079
Net Income$7,299,809
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 2, 2020
Return Version
2019v5.1
Gross Receipts
$129,235,956
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.

To provide a broad range of loan and deposit products and other financial services to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$720,927,207$771,615,711▲ $50,688,504
Investments in Publicly Traded Securities$300,087,193$279,106,465▼ $20,980,728
Rtn Earn Endowment Incm Other Fnds$164,481,259$173,548,766▲ $9,067,507
Savings and Temporary Cash Investments$99,698,186$65,680,900▼ $34,017,286
Land, Buildings, and Equipment, Net$6,273,554$24,273,769▲ $18,000,215
Investments Other Securities$7,718,000$7,421,600▼ $296,400
Cash and Non-Interest-Bearing Accounts$1,519,287$1,475,178▼ $44,109
Prepaid Expenses and Deferred Charges$1,299,723$1,185,048▼ $114,675
Accounts Receivable$126,848$128,083▲ $1,235
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,153,544,192$1,166,911,803▲ $13,367,611
Other Assets Total$15,894,194$16,025,049▲ $130,855
Liabilities
Other Liabilities$975,552,389$976,883,731▲ $1,331,342
Accounts Payable and Accrued Expenses$13,510,544$16,479,306▲ $2,968,762
Total Liabilities$989,062,933$993,363,037▲ $4,300,104
Net Assets / Fund Balance
Total Net Assets Fund Balance$164,481,259$173,548,766▲ $9,067,507
Total Liabilities and Net Assets / Fund Balance$1,153,544,192$1,166,911,803▲ $13,367,611

Asset Categories

AssetBook ValueDepreciationBasis
Land$12,615,213-$12,615,213
Buildings$9,601,237$2,743,474$12,344,711
Other Land Buildings$1,348,678$8,878,116$10,226,794
Equipment$478,670$4,018,338$4,497,008
Leasehold Improvements$229,971$664,377$894,348
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Stephen PunchPresident & CEO (until 7/31/19)FT$554,314$672,207$1,226,521
Virginia LampsonPresident & CEO (effective 8/1/19)FT$389,342$124,040$513,382
David KatoEvp & CFOFT$310,300$145,862$456,162
Chris OldagSVP & CLOFT$292,490$133,609$426,099
Nannette CutliffSVP & CIOFT$294,818$109,465$404,283
Kristin DoveSVP & CMOFT$243,635$120,408$364,043
Barbara SmithSVP & CAOFT$243,534$118,176$361,710
Pansy FongVP & ControllerFT$218,221$68,004$286,225
Steven CraigeVPFT$188,960$79,344$268,304
Hemlata PatelVPFT$167,155$92,420$259,575
Michelle ShelorSVP/COOFT$173,864$66,662$240,526
Aaron Dye-inouyeAvpFT$141,228$69,100$210,328
Michele SpeerVPFT$137,910$57,817$195,727

Board Members and Trustees

NameTitle
Maria DemartiniChair
Amar PanchalVice Chair
Betty VineyardDirector
David SenaDirector
Jim PetersonDirector
John CadwaladerDirector
Kathleen TapperoDirector
William ChenDirector
Julia BanningSecretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & Associates INCIt/operationsPO BOX 609, Monett, MO 65708$966,631
Insight Direct USA INCIt/operationsPO BOX 731069, Dallas, TX 75373-1069$827,887
Fiserv INCOperationsPO BOX 418410, Boston, MA 02241-8410$563,989
At&tIt/operationsPO BOX 5019, Carol Stream, IL 60197-2019$456,457
Business Data INCHr/marketingPO BOX 6081, Inglewood, CA 90312-6081$438,101
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$38,682,280
Investment Income
$9,188,608
Other Revenue
$0
Change in Net Assets
$7,299,809

Audited Revenue Reconciliation

Revenue per Audited Statements
$47,870,888
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$47,870,888
Total Revenue per Form 990
$47,870,888
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$17,619,468
Other Expenses$16,668,225
Grants and Similar Amounts Paid$150,668
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$9,224,260
Benefits to Members---$6,132,718
Current Officers, Directors, Trustees, and Key Employees---$4,038,427
Other Employee Benefits---$2,989,579
Information Technology---$2,501,024
Office Expenses---$2,258,218
Fees for Services Other---$2,096,781
Other Expenses---$1,760,733
Occupancy---$1,176,335
Advertising---$1,030,032
Depreciation Depletion---$1,023,341
Payroll Taxes---$855,198
Pension Plan Contributions---$512,004
Fees for Services Management---$461,627
Conferences and Meetings---$196,593
Travel---$165,208
Fees for Services Accounting---$164,843
Grants to Domestic Orgs---$150,668
Fees for Services Legal---$127,923
Fees for Service Investment Mgmnt Fees---$1,690
Total Functional Expenses$0$0$0$40,571,079

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$40,571,079
Total Expenses per Audited Statements$40,571,079
Total Expenses per Form 990$40,571,079
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Food Bank Contra Costa and SolanoConcord, CA501(c)(3)General Program Support$30,800
Leukemia & Lymphoma Society IncSan Francisco, CA501(c)(3)Support Fundraising Program$10,000
Loaves and Fishes of Contra CostaConcord, CA501(c)(3)General Program Support$10,000
The Salvation ArmySacramento, CA501(c)(3)Support Holiday Meals and Toys Program$10,000
Bay Area Rescue MissionRichmond, CA501(c)(3)Support Holiday Meal Program$8,000
Alameda County Community Food Bank IncOakland, CA501(c)(3)General Program Support$7,500
Monument Crisis CenterPleasant Hill, CA501(c)(3)General Program Support$7,000
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$6,334
Total Exempt Function Spending$6,334

Section 527 Organizations

OrganizationLocationAmount
94-0329967Sacramteno, CA$6,334
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Money Market Accounts$382,243,069
Member Regular Certificate Accounts$240,897,429
Member Share Accounts$223,439,203
Member Checking Accounts$130,304,030
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
No
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's members have rights to elect the members of the governing body. The credit union's members also receive a share of the organization's profits in the form of cash dividends.”

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 15A

“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
Evp & CFO
Phone
9256095000
Signed
2020-11-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Virginia Lampson
Formed
1936
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
226
Volunteers
15

Preparer

Firm
Rsm US Llp
Address
801 NICOLLET MALL WEST TOWER STE, 1100, MINNEAPOLIS, MN 55402-2526
Preparer
Kacie Mcewen
Phone
6123324300
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Net change in gains on other postretirement employee benefit plans -1,540,735.”

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, 2019 and 2018, management has determined that there are no material uncertain tax positions.”

Raw XML AppendixShowing 400 of 877 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 EIGHTY-THREE YEARS LATER, PSCU NOW SERVES MORE THAN 64,000 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/AverageHoursPerWeekRt141.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt151.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt161.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt171.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt181.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt191.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt201.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt211.00
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
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/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt047114
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt135836
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt258745
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt345072
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt431599
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt555898
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt652928
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt719141
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt837383
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt947244
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1030768
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1142833
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1228072
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt160
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt170
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt180
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt190
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt200
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt210
IRS990/Form990PartVIISectionAGrp/PersonNm0STEPHEN PUNCH
IRS990/Form990PartVIISectionAGrp/PersonNm1VIRGINIA LAMPSON
IRS990/Form990PartVIISectionAGrp/PersonNm2DAVID KATO
IRS990/Form990PartVIISectionAGrp/PersonNm3CHRIS OLDAG
IRS990/Form990PartVIISectionAGrp/PersonNm4NANNETTE CUTLIFF
IRS990/Form990PartVIISectionAGrp/PersonNm5KRISTIN DOVE
IRS990/Form990PartVIISectionAGrp/PersonNm6BARBARA SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm7PANSY FONG
IRS990/Form990PartVIISectionAGrp/PersonNm8STEVEN CRAIGE
IRS990/Form990PartVIISectionAGrp/PersonNm9HEMLATA PATEL
IRS990/Form990PartVIISectionAGrp/PersonNm10MICHELLE SHELOR
IRS990/Form990PartVIISectionAGrp/PersonNm11AARON DYE-INOUYE
IRS990/Form990PartVIISectionAGrp/PersonNm12MICHELE SPEER
IRS990/Form990PartVIISectionAGrp/PersonNm13MARIA DEMARTINI
IRS990/Form990PartVIISectionAGrp/PersonNm14AMAR PANCHAL
IRS990/Form990PartVIISectionAGrp/PersonNm15JULIA BANNING
IRS990/Form990PartVIISectionAGrp/PersonNm16JOHN CADWALADER
IRS990/Form990PartVIISectionAGrp/PersonNm17WILLIAM CHEN
IRS990/Form990PartVIISectionAGrp/PersonNm18JIM PETERSON
IRS990/Form990PartVIISectionAGrp/PersonNm19DAVID SENA
IRS990/Form990PartVIISectionAGrp/PersonNm20KATHLEEN TAPPERO
IRS990/Form990PartVIISectionAGrp/PersonNm21BETTY VINEYARD
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt01176275
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1473424
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2388024
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3379710
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4369894
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5305956
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6305153
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7263200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8229860
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9211043
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10208768
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11164004
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12166883
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt210
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/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT & CEO (UNTIL 7/31/19)
IRS990/Form990PartVIISectionAGrp/TitleTxt1PRESIDENT & CEO (EFFECTIVE 8/1/19)
IRS990/Form990PartVIISectionAGrp/TitleTxt2EVP & CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt3SVP & CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt4SVP & CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt5SVP & CMO
IRS990/Form990PartVIISectionAGrp/TitleTxt6SVP & CAO
IRS990/Form990PartVIISectionAGrp/TitleTxt7VP & CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP
IRS990/Form990PartVIISectionAGrp/TitleTxt10SVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt11AVP
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP
IRS990/Form990PartVIISectionAGrp/TitleTxt13CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt14VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt15SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt21DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01936
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt01181557
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticOrgsGrp/TotalAmt0150668
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt082546625
IRS990/GrossReceiptsAmt0129235956
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt037
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02501024
IRS990/InvestmentIncomeGrp/ExclusionAmt08007051
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt08007051
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt07718000
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt07421600
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0300087193
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0279106465
IRS990/IRPDocumentCnt017278
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt016304305
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06273554
IRS990/LandBldgEquipBasisNetGrp/EOYAmt024273769
IRS990/LandBldgEquipCostOrOtherBssAmt040578074
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt081365068
IRS990/LoanOutstandingInd00
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
IRS990/NetAssetsOrFundBalancesBOYAmt0164481259
IRS990/NetAssetsOrFundBalancesEOYAmt0173548766
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt01181557
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt01181557
IRS990/NetUnrelatedBusTxblIncmAmt0-133065
IRS990/NetUnrlzdGainsLossesInvstAmt03308433
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01176335
IRS990/OfficeExpensesGrp/TotalAmt02258218
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt015894194
IRS990/OtherAssetsTotalGrp/EOYAmt016025049
IRS990/OtherChangesInNetAssetsAmt0-1540735
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02989579
IRS990/OtherExpensesGrp/Desc0MEMBER LOAN SERVICES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt03703877
IRS990/OtherExpensesGrp/TotalAmt11760733
IRS990/OtherLiabilitiesGrp/BOYAmt0975552389
IRS990/OtherLiabilitiesGrp/EOYAmt0976883731
IRS990/OtherSalariesAndWagesGrp/TotalAmt09224260
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0720927207
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0771615711
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0855198
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0512004
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01299723
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01185048
IRS990/PrincipalOfficerNm0VIRGINIA LAMPSON
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2SERVICE CHARGES & FEES
IRS990/ProgramServiceRevenueGrp/Desc3OTHER NON-INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt031619714
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14467282
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22227922
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3338984
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt031619714
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14470300
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22244289
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3347977
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt03018
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt116367
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt28993
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, 2019 WAS $976,883,732.
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, 2019 WAS $773,825,605.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt03648770
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt0152087
IRS990/PYInvestmentIncomeAmt08088054
IRS990/PYOtherExpensesAmt014653556
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt035131594
IRS990/PYRevenuesLessExpensesAmt08069284
IRS990/PYSalariesCompEmpBnftPaidAmt016695951
IRS990/PYTotalExpensesAmt035150364
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt043219648
IRS990/ReconcilationRevenueExpnssAmt07299809
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0164481259
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0173548766
IRS990/SavingsAndTempCashInvstGrp/BOYAmt099698186
IRS990/SavingsAndTempCashInvstGrp/EOYAmt065680900

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,166,911,803
Liabilities
$993,363,037
Net assets
$173,548,766
Revenue
$47,870,888
Expenses
$40,571,079
Net income
$7,299,809
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
2019Detailed filing. Detailed filing data is available for this year.$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
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