Civic Intelligence

Santa Cruz County Employees Credit Union

EIN 94-6084468 • 501(c)14 • Santa Cruz, CA

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Profile

Santa Cruz County Employees Credit Union is a non-profit financial cooperative that provides financial services for their members including savings and loans. The mission of the credit union is to charge the least interest on their loans and pay the most for deposits to its members.

8030 Soquel Ave Room 201Santa Cruz, CA 95062

www.sccecu.org

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2014

Liabilities / Revenue

35th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • $1M-$5M nonprofits • Source year 2014

Net Margin

40th percentile

-7.8%

Higher net margin than 40% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

76th percentile

$99,280

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 9.8% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2014

Asset Growth

34th percentile

-100%

Faster asset growth than 34% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

27th percentile

-18%

Faster revenue growth than 27% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $26,864,250 (-100%) from 2013

Liabilities

Down

$0

Down $24,977,209 (-100%) from 2013

Net Assets

Down

$0

Down $1,887,041 (-100%) from 2013

Operations
Liabilities / Revenue35th percentileNet Margin40th percentile

Revenue

Down

$1,018,123

Down $220,736 (-18%) from 2013

Expenses

Down

$1,097,735

Down $138,161 (-11%) from 2013

Net Income

Down

-$79,612

Down $82,575 (-2787%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

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

$30M$20M$10M$0Assets 2010: $24,673,140Liabilities 2010: $22,765,212Net Assets 2010: $1,907,9282010Assets 2011: $24,946,348Liabilities 2011: $23,049,272Net Assets 2011: $1,897,0762011Assets 2012: $26,147,946Liabilities 2012: $24,263,868Net Assets 2012: $1,884,0782012Assets 2013: $26,864,250Liabilities 2013: $24,977,209Net Assets 2013: $1,887,0412013Assets 2014: $0Liabilities 2014: $0Net Assets 2014: $02014

Highlighted filing

2014

Assets$0
Liabilities$0
Net Assets$0
Open 2014 Filing

Operations Trend

Revenue Growth27th percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,360,7312010Expenses 2011: $1,171,6772011Expenses 2012: $1,197,5552012Revenue 2013: $1,238,859Expenses 2013: $1,235,896Net Income 2013: $2,9632013Revenue 2014: $1,018,123Expenses 2014: $1,097,735Net Income 2014: -$79,6122014

Highlighted filing

2014

Revenue$1,018,123
Expenses$1,097,735
Net Income-$79,612
Open 2014 Filing

Filings

Most recent year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$1,018,123
Expenses
$1,097,735
Net income
-$79,612
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$1.02$1.10$0.08
2013Detailed filing. Detailed filing data is available for this year.$26.9$25.0$1.89$1.24$1.24$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.1$24.3$1.88$1.20
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.9$23.0$1.90$1.17
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.7$22.8$1.91$1.36
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Oct 31, 2014
Signed
Mar 4, 2015
Return Version
2014v5.0
Gross Receipts
$1,018,123
Mission and Program Overview

Mission

Santa Cruz County Employees Credit Union is a non-profit financial cooperative that provides financial services for their members including savings and loans. The mission of the credit union is to charge the least interest on their loans and pay the most for deposits to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$17,408,910--
Savings and Temporary Cash Investments$7,744,438--
Rtn Earn Endowment Incm Other Fnds$1,887,041--
Cash and Non-Interest-Bearing Accounts$532,143--
Land, Buildings, and Equipment, Net$48,034--
Total Assets$26,864,250$0▼ $26,864,250
Other Assets Total$1,130,725--
Liabilities
Other Liabilities$24,639,394--
Accounts Payable and Accrued Expenses$337,815--
Total Liabilities$24,977,209$0▼ $24,977,209
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,887,041$0▼ $1,887,041
Total Liabilities and Net Assets / Fund Balance$26,864,250$0▼ $26,864,250
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Trey DunbarCEOFT$99,280$99,280

Board Members and Trustees

NameTitle
Jim RapozaChair
Margie BishopVice-Chair
Jim SomervilleDirector
John HerfindahlDirector
Taylor BatemanDirector
Lynn MillerSecretary
Susan YoungTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$811,509
Investment Income
$78,151
Other Revenue
$128,463
Change in Net Assets
$-79,612
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$628,360
Salaries, Compensation, and Employee Benefits$469,375
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$379,111--$379,111
Office Expenses$201,405--$201,405
Occupancy$112,041--$112,041
Other Employee Benefits$90,264--$90,264
All Other Expenses$26,874--$26,874
Depreciation Depletion$17,461--$17,461
Fees for Services Other$12,268--$12,268
Advertising$8,021--$8,021
Other Expenses$6,441--$6,441
Fees for Services Accounting$3,975--$3,975
Travel$3,908--$3,908
Total Functional Expenses$1,097,735$0$0$1,097,735
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Federal income taxes-
Members Shares-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
Management duties delegated
No

Governance Explanations

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

“the prepared annual return is provided to management to review before filing”

Form 990, Part VI, Section C, Line 19

“Required governing documents are displayed in the Credit Union lobby and accessible via the internet.”

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

“members can attend the annual meeting and vote for the volunteers.”

Form 990, Part VI, Section A, Line 6

“Credit Union has members within the field of membership approved by the Credit Union governing documents”

Filing and Contact Details

Filer

Filer Name
Santa Cruz County Employees Credit Union
EIN
94-6084468
Phone
8314797600
Address
8030 Soquel Ave Room 201, Santa Cruz, CA 95062

Signing Officer

Name
Trey Dunbar
Title
CEO
Signed
2015-03-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Trey Dunbar
Formed
1952
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
10

Preparer

Firm
Soler & Topchiy CPAs
Address
910 Florin Rd Suite 111, Sacramento, CA 95831
Preparer
Andrew V Topchiy CPA
Phone
9164246233
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Net assets merged with Bay Federal Credit Union”

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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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0the prepared annual return is provided to management to review before filing
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Required governing documents are displayed in the Credit Union lobby and accessible via the internet.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2members can attend the annual meeting and vote for the volunteers.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Credit Union has members within the field of membership approved by the Credit Union governing documents
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Net assets merged with Bay Federal Credit Union
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section b, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section c, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section a, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section a, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part XI, Line 9
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0true
IRS990/TotalAssetsBOYAmt026864250
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt026864250
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01097735
IRS990/TotalFunctionalExpensesGrp/TotalAmt01097735
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt024977209
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt024977209
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01887041
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalProgramServiceExpensesAmt01097735
IRS990/TotalProgramServiceRevenueAmt0811509
IRS990/TotalReportableCompFromOrgAmt099280
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01018123
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01018123
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt026864250
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TravelGrp/ProgramServicesAmt03908
IRS990/TravelGrp/TotalAmt03908
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt08030 Soquel Ave Suite 201
IRS990/USAddress/CityNm0Santa Cruz
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd095062
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.sccecu.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Trey Dunbar
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-03-04
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Santa Cruz County Employees Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0SANT
ReturnHeader/Filer/EIN0946084468
ReturnHeader/Filer/PhoneNum08314797600
ReturnHeader/Filer/USAddress/AddressLine1Txt08030 Soquel Ave Room 201
ReturnHeader/Filer/USAddress/CityNm0Santa Cruz
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd095062
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Soler & Topchiy CPAs
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0910 Florin Rd Suite 111
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Sacramento
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd095831
ReturnHeader/PreparerPersonGrp/PhoneNum09164246233
ReturnHeader/PreparerPersonGrp/PreparationDt02015-03-04
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Andrew V Topchiy CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02015-03-04T09:17:01-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-10-31
ReturnHeader/TaxYr02014

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