Civic Intelligence

Unknown Organization

990 • Fiscal year 2013 • EIN 94-6084468

Jan 01, 2013 to Dec 31, 2013 • Filed on Mar 05, 2014

Organization Profilewww.sccecu.org

View Organization Page

8030 Soquel Ave Room 20195062

(831) 479-7600

Siviq Scores

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

Liabilities / Assets

97th percentile

0.93x

Higher debt load relative to assets than 97% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

54th percentile

20.16x

Higher debt load relative to revenue than 54% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

23rd percentile

0.2%

Higher net margin than 23% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

67th percentile

$108,259

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 8.7% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

58th percentile

2.7%

Faster asset growth than 58% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets97th percentile

Assets

Up

$26,864,250

Up $716,304 (+2.7%) from 2012

Net Assets

Up

$1,887,041

Up $2,963 (+0.2%) from 2012

Liabilities

Up

$24,977,209

Up $713,341 (+2.9%) from 2012

Revenue And Expenses
Liabilities / Revenue54th percentileNet Margin23rd percentile

Revenue

$1,238,859

No earlier filing loaded for comparison.

Expenses

Up

$1,235,896

Up $38,341 (+3.2%) from 2012

Net Income

$2,963

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth58th percentile

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

$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

2013

Assets$26,864,250
Liabilities$24,977,209
Net Assets$1,887,041
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2013

Revenue$1,238,859
Expenses$1,235,896
Net Income$2,963
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 5, 2014
Return Version
2013v3.1
Gross Receipts
$1,238,859
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$15,257,115$17,276,036▲ $2,018,921
Savings and Temporary Cash Investments$9,452,600$7,744,438▼ $1,708,162
Rtn Earn Endowment Incm Other Fnds$1,884,078$1,887,041▲ $2,963
Cash and Non-Interest-Bearing Accounts$450,531$532,143▲ $81,612
Receivables From Officers Etc$178,721$132,874▼ $45,847
Land, Buildings, and Equipment, Net$115,945$48,034▼ $67,911
Total Assets$26,147,946$26,864,250▲ $716,304
Other Assets Total$693,034$1,130,725▲ $437,691
Liabilities
Other Liabilities$24,150,597$24,639,394▲ $488,797
Accounts Payable and Accrued Expenses$113,271$337,815▲ $224,544
Total Liabilities$24,263,868$24,977,209▲ $713,341
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,884,078$1,887,041▲ $2,963
Total Liabilities and Net Assets / Fund Balance$26,147,946$26,864,250▲ $716,304

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$48,034$1,618,699$1,666,733
Compensation and Service Providers
Top Officer Pay67th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Trey DunbarCEOFT$108,259$108,259

Board Members and Trustees

NameTitle
Jim RapozaChair
Margie BishopVice-Chair
John HerfindahlDirector
Lynn MillerDirector
Taylor BatemanDirector
Jim SomervilleSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$971,057
Investment Income
$110,327
Other Revenue
$157,475
Change in Net Assets
$2,963

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,238,859
Total Revenue per Audited Statements
$1,238,859
Total Revenue per Form 990
$1,238,859
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$724,490
Salaries, Compensation, and Employee Benefits$511,406
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$409,100
Office Expenses---$191,584
Occupancy---$164,236
Other Employee Benefits---$73,608
Depreciation Depletion---$72,794
Payroll Taxes---$28,698
All Other Expenses---$25,626
Fees for Services Other---$23,121
Insurance---$19,555
Advertising---$12,352
Other Expenses---$-15,415
Total Functional Expenses$0$0$0$1,235,896

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,235,896
Total Expenses per Audited Statements$1,235,896
Total Expenses per Form 990$1,235,896
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$178,721$132,874▼ $45,847
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Federal income taxes$24,639,394
Members Shares-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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 given to CEO to review before filing.”

Form 990, Part VI, Section C, Line 19

“Required documents are displayed in the Credit Union and accesible via the internet at NCUA and DBO”

Form 990, Part VI, Section B, Line 12

“Annual Supervisory Committee Audit is performed by independent CPA firm to make sure Credit Union is in compliance.”

Form 990, Part VI, Section B, Line 15B

“All compensation and annual increases for the CEO and key employees of the Credit Union are determined and approved by the Board of Directors.”

Form 990, Part VI, Section A, Line 6

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

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

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

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

“Credit Union practices self-monitoring for conflict of interest within the organization. A confilict of interest policy reviwed as part of self assessment process.”

Filing and Contact Details

Filer

EIN
94-6084468
Phone
8314797600

Signing Officer

Name
Trey Dunbar
Title
CEO
Signed
2014-03-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Trey Dunbar
Formed
1952
Legal Domicile
CA
Voting Board Members
6
Independent Board Members
6
Employees
10

Preparer

Preparer
Andrew V Topchiy CPA
Phone
9164246233
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Real Estate
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Real Estate
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Auto,Real Estate
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Auto,Real Estate
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Margie Bishop
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Jim Somerville
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Suzanne Rogberg
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Carolyn Rodriguez
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4Cheryl Van Mill
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5Jenny Schmidt
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0BOD memeber
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1BOD member
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Supervisory member
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Employee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Employee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5Employee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/TotalBalanceDueAmt0132874
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The prepared annual return is given to CEO to review before filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Required documents are displayed in the Credit Union and accesible via the internet at NCUA and DBO
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Annual Supervisory Committee Audit is performed by independent CPA firm to make sure Credit Union is in compliance.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3All compensation and annual increases for the CEO and key employees of the Credit Union are determined and approved by the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Credit Union has members within the field of membership approved by the Credit Union governing documents.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Members can attend the annual meeting and vote for volunteers.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Credit Union practices self-monitoring for conflict of interest within the organization. A confilict of interest policy reviwed as part of self assessment process.
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 b, Line 12
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section b, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section a, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section b, Line 12c
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt026147946
IRS990/TotalAssetsEOYAmt026864250
IRS990/TotalAssetsGrp/BOYAmt026147946
IRS990/TotalAssetsGrp/EOYAmt026864250
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/TotalAmt01235896
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt024263868
IRS990/TotalLiabilitiesEOYAmt024977209
IRS990/TotalLiabilitiesGrp/BOYAmt024263868
IRS990/TotalLiabilitiesGrp/EOYAmt024977209
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01884078
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01887041
IRS990/TotalProgramServiceExpensesAmt01235896
IRS990/TotalProgramServiceRevenueAmt0971057
IRS990/TotalReportableCompFromOrgAmt0108259
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01238859
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01238859
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt026147946
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt026864250
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine108030 Soquel Ave Suite 201
IRS990/USAddress/City0Santa Cruz
IRS990/USAddress/State0CA
IRS990/USAddress/ZIPCode095062
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0www.sccecu.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Trey Dunbar
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-03-05
ReturnHeader/Filer/BusinessName/BusinessNameLine10Santa Cruz County Employees Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0SANT
ReturnHeader/Filer/EIN0946084468
ReturnHeader/Filer/PhoneNum08314797600
ReturnHeader/Filer/USAddress/AddressLine108030 Soquel Ave Room 201
ReturnHeader/Filer/USAddress/City0Santa Cruz
ReturnHeader/Filer/USAddress/State0CA
ReturnHeader/Filer/USAddress/ZIPCode095062
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10Soler & Topchiy CPAs
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10910 Florin Rd Suite 111
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Sacramento
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode095831
ReturnHeader/PreparerPersonGrp/PhoneNum09164246233
ReturnHeader/PreparerPersonGrp/PreparationDt02014-03-05
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Andrew V Topchiy CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02014-03-05T03:41:51-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$26,864,250
Liabilities
$24,977,209
Net assets
$1,887,041
Revenue
$1,238,859
Expenses
$1,235,896
Net income
$2,963
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