Civic Intelligence

My Credit Union

990 • Fiscal year 2015 • EIN 94-6092012

Jan 01, 2015 to Dec 31, 2015 • Filed on May 12, 2016

Organization Profilewww.mycuonline.org

View Organization Page

PO Box 5824Redwood City, CA 94063

(650) 366-5522

Siviq Scores

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

Liabilities / Assets

89th percentile

0.92x

Higher debt load relative to assets than 89% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

73rd percentile

24.33x

Higher debt load relative to revenue than 73% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

12th percentile

-2.3%

Higher net margin than 12% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

58th percentile

$102,984

Higher top officer pay than 58% of similar nonprofits.

Top officer pay equals 8.2% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

11th percentile

-2.0%

Faster asset growth than 11% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

67th percentile

3.8%

Faster revenue growth than 67% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets89th percentile

Assets

Down

$33,529,720

Down $692,082 (-2.0%) from 2014

Net Assets

Down

$2,792,595

Down $28,822 (-1.0%) from 2014

Liabilities

Down

$30,737,125

Down $663,260 (-2.1%) from 2014

Revenue And Expenses
Liabilities / Revenue73rd percentileNet Margin12th percentile

Revenue

Up

$1,263,470

Up $46,176 (+3.8%) from 2014

Expenses

Up

$1,292,292

Up $32,787 (+2.6%) from 2014

Net Income

Up

-$28,822

Up $13,389 (+32%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth11th percentile

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

$40M$30M$20M$10M$0Assets 2010: $34,516,762Liabilities 2010: $31,285,816Net Assets 2010: $3,230,9462010Assets 2011: $34,950,050Liabilities 2011: $31,798,830Net Assets 2011: $3,151,2202011Assets 2012: $34,465,385Liabilities 2012: $31,378,844Net Assets 2012: $3,086,5412012Assets 2013: $35,137,297Liabilities 2013: $32,273,669Net Assets 2013: $2,863,6282013Assets 2014: $34,221,802Liabilities 2014: $31,400,385Net Assets 2014: $2,821,4172014Assets 2015: $33,529,720Liabilities 2015: $30,737,125Net Assets 2015: $2,792,5952015Assets 2016: $34,030,919Liabilities 2016: $31,236,907Net Assets 2016: $2,794,0122016Assets 2017: $34,301,255Liabilities 2017: $31,555,142Net Assets 2017: $2,746,1132017Assets 2018: $32,158,613Liabilities 2018: $29,380,765Net Assets 2018: $2,777,8482018Assets 2019: $32,017,144Liabilities 2019: $29,267,647Net Assets 2019: $2,749,4972019Assets 2020: $34,108,303Liabilities 2020: $31,552,881Net Assets 2020: $2,555,4222020

Highlighted filing

2015

Assets$33,529,720
Liabilities$30,737,125
Net Assets$2,792,595
Open 2015 Filing

Operations Trend

Revenue Growth67th percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,737,6592010Expenses 2011: $1,629,9832011Expenses 2012: $1,457,8822012Revenue 2013: $1,179,778Expenses 2013: $1,402,646Net Income 2013: -$222,8682013Revenue 2014: $1,217,294Expenses 2014: $1,259,505Net Income 2014: -$42,2112014Revenue 2015: $1,263,470Expenses 2015: $1,292,292Net Income 2015: -$28,8222015Revenue 2016: $1,339,298Expenses 2016: $1,337,881Net Income 2016: $1,4172016Revenue 2017: $1,366,172Expenses 2017: $1,414,071Net Income 2017: -$47,8992017Revenue 2018: $1,414,308Expenses 2018: $1,382,573Net Income 2018: $31,7352018Revenue 2019: $1,376,793Expenses 2019: $1,405,144Net Income 2019: -$28,3512019Revenue 2020: $1,251,369Expenses 2020: $1,445,444Net Income 2020: -$194,0752020

Highlighted filing

2015

Revenue$1,263,470
Expenses$1,292,292
Net Income-$28,822
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 12, 2016
Return Version
2015v2.0
Gross Receipts
$1,263,470
Mission and Program Overview

Mission

Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to 2,231 members of My Credit Union.

Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of My Credit Union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$18,910,510$20,999,772▲ $2,089,262
Investments Program Related$13,224,000$9,610,000▼ $3,614,000
Rtn Earn Endowment Incm Other Fnds$2,821,417$2,792,595▼ $28,822
Savings and Temporary Cash Investments$25,297$1,117,637▲ $1,092,340
Investments Other Securities$1,046,834$802,982▼ $243,852
Land, Buildings, and Equipment, Net$278,211$241,615▼ $36,596
Cash and Non-Interest-Bearing Accounts$143,244$169,878▲ $26,634
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$34,221,802$33,529,720▼ $692,082
Other Assets Total$593,706$587,836▼ $5,870
Liabilities
Other Liabilities$31,300,034$30,627,413▼ $672,621
Accounts Payable and Accrued Expenses$100,351$109,712▲ $9,361
Total Liabilities$31,400,385$30,737,125▼ $663,260
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,821,417$2,792,595▼ $28,822
Total Liabilities and Net Assets / Fund Balance$34,221,802$33,529,720▼ $692,082

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$190,168$239,485$429,653
Other Land Buildings$51,447$122,721$174,168
Equipment-$17,360$17,360
Compensation and Service Providers
Top Officer Pay58th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Alex CasillasPresidentFT$102,984$102,984
Fred DiazCEOFT$102,678$102,678

Board Members and Trustees

NameTitle
Dawna HorsleyDirector
Douglas AguileraDirector
Janet HallockDirector
Janice CarterDirector
Jeff HanlonDirector
Martha DominiceDirector
Richard OstillerDirector
Russell DeutschDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$860,950
Investment Income
$181,781
Other Revenue
$220,739
Change in Net Assets
$-28,822

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,263,470
Total Revenue per Audited Statements
$1,263,470
Total Revenue per Form 990
$1,263,470
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$730,583
Salaries, Compensation, and Employee Benefits$545,391
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$365,475
Other Salaries and Wages---$339,729
Current Officers, Directors, Trustees, and Key Employees---$205,662
Fees for Services Other---$185,490
Occupancy---$160,654
Advertising---$22,446
Benefits to Members---$16,318
Travel---$13,377
Interest---$2,297
Other Expenses---$-35,000
Total Functional Expenses$0$0$0$1,292,292

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,292,292
Total Expenses per Audited Statements$1,292,292
Total Expenses per Form 990$1,292,292
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$9,676,884
Share Drafts$8,137,511
Money Market Shares$5,764,482
Share Certificates$4,369,057
IRA/KEOGH Accounts$2,679,479
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, Line 6: Explanation of Classes of Members or Shareholder

“Members”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“Members are entitled to vote in the annual elections of the Board of Directors and on other corporate matters.”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“Members are entitled to vote in the annual elections of the Board of Directors and on other corporate matters.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“The return preparer e-mails a draft of the form 990 to a designated officer and/or ceo of the credit union for review. The designated officer and/or ceo sends a copy to the board of director (s). The designated individual(s) review the draft and present any questions, comments, or corrections to the return preparer. Upon satisfactory completion of the form 990, the organization's authorized individual signs the appropriate signature form(s) to authorize the electronic filing of the return. A copy of the form 990, as filed, is provided by the return preparer to theorganization's ceo or other designated individual(s).”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The process for determining compensation of the CEO and CFO includes the review and approval by the Board and is determined using comparable compensation data.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“The process for determining compensation of the CEO and CFO includes the review and approval by the Board and is determined using comparable compensation data.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Governing documents and related policies are not generally available to the public. Our financial statements are available on the web.”

Filing and Contact Details

Filer

Filer Name
My Credit Union
EIN
94-6092012
Phone
6503665522
Address
PO Box 5824, Redwood City, CA 94063

Signing Officer

Name
Fred Diaz
Title
CEO
Signed
2016-05-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Fred Diaz
Formed
1963
Legal Domicile
CA
Voting Board Members
8
Independent Board Members
8
Employees
8
Volunteers
8

Preparer

Firm
Richards & Associates
Address
21520 YORBA LINDA BLVD G-516, YORBA LINDA, CA 92887
Preparer
Michael Richards
Phone
8775720473
Raw XML AppendixShowing 400 of 467 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.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0100351
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0109712
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of My Credit Union.
IRS990/AdvertisingGrp/TotalAmt022446
IRS990/AllAffiliatesIncludedInd0false
IRS990/AllOtherExpensesGrp/TotalAmt00
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt016318
IRS990/BooksInCareOfDetail/PersonNm0Fred Diaz
IRS990/BooksInCareOfDetail/PhoneNum06503665522
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO Box 5824
IRS990/BooksInCareOfDetail/USAddress/CityNm0Redwood City
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd094063
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0143244
IRS990/CashNonInterestBearingGrp/EOYAmt0169878
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0205662
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt016318
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0181781
IRS990/CYOtherExpensesAmt0730583
IRS990/CYOtherRevenueAmt0220739
IRS990/CYProgramServiceRevenueAmt0860950
IRS990/CYRevenuesLessExpensesAmt0-28822
IRS990/CYSalariesCompEmpBnftPaidAmt0545391
IRS990/CYTotalExpensesAmt01292292
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01263470
IRS990/DAFExcessBusinessHoldingsInd0false
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0Provided deposit and loan accounts to 3,277 members. Provided low cost source of credit and low cost financial services to our members. Provided source for member savings and checking account needs.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt08
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/EscrowAccountInd0false
IRS990/ExpenseAmt01292290
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt0185490
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
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/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/PersonNm0DOUGLAS AGUILERA
IRS990/Form990PartVIISectionAGrp/PersonNm1JEFF HANLON
IRS990/Form990PartVIISectionAGrp/PersonNm2RICHARD OSTILLER
IRS990/Form990PartVIISectionAGrp/PersonNm3JANICE CARTER
IRS990/Form990PartVIISectionAGrp/PersonNm4RUSSELL DEUTSCH
IRS990/Form990PartVIISectionAGrp/PersonNm5DAWNA HORSLEY
IRS990/Form990PartVIISectionAGrp/PersonNm6MARTHA DOMINICE
IRS990/Form990PartVIISectionAGrp/PersonNm7JANET HALLOCK
IRS990/Form990PartVIISectionAGrp/PersonNm8FRED DIAZ
IRS990/Form990PartVIISectionAGrp/PersonNm9ALEX CASILLAS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8102678
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9102984
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/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9President
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0false
IRS990/FormationYr01963
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01263470
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt02297
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0181781
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0181781
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01046834
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0802982
IRS990/InvestmentsProgramRelatedGrp/BOYAmt013224000
IRS990/InvestmentsProgramRelatedGrp/EOYAmt09610000
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt05
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0379566
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0278211
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0241615
IRS990/LandBldgEquipCostOrOtherBssAmt0621181
IRS990/LegalDomicileStateCd0CA
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0true
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of My Credit Union.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt02821417
IRS990/NetAssetsOrFundBalancesEOYAmt02792595
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0160654
IRS990/OfficeExpensesGrp/TotalAmt0365475
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt0593706
IRS990/OtherAssetsTotalGrp/EOYAmt0587836
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Misc Operating Expense
IRS990/OtherExpensesGrp/Desc1Operating Fees
IRS990/OtherExpensesGrp/Desc2Provision Credit for Loan Loss
IRS990/OtherExpensesGrp/TotalAmt010427
IRS990/OtherExpensesGrp/TotalAmt15417
IRS990/OtherExpensesGrp/TotalAmt2-35000
IRS990/OtherLiabilitiesGrp/BOYAmt031300034
IRS990/OtherLiabilitiesGrp/EOYAmt030627413
IRS990/OtherRevenueMiscGrp/Desc0Fee Income
IRS990/OtherRevenueMiscGrp/Desc1Other Operating Income
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0150505
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt170234
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0150505
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt170234
IRS990/OtherRevenueTotalAmt0220739
IRS990/OtherSalariesAndWagesGrp/TotalAmt0339729
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt018910510
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt020999772
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0FRED DIAZ
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0860950
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0860950
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt025563
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0169693
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0659610
IRS990/PYOtherRevenueAmt0193870
IRS990/PYProgramServiceRevenueAmt0853731
IRS990/PYRevenuesLessExpensesAmt0-42211
IRS990/PYSalariesCompEmpBnftPaidAmt0574332
IRS990/PYTotalExpensesAmt01259505
IRS990/PYTotalRevenueAmt01217294
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-28822
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RevenueAmt01263470
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02821417
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02792595
IRS990/SavingsAndTempCashInvstGrp/BOYAmt025297
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01117637
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/DepreciationAmt017360
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt017360
IRS990ScheduleD/ExpensesSubtotalAmt01292292
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0190168
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0239485
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0429653
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt051447
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0122721
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0174168
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02679479
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt15764482
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt29676884
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt34369057
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt48137511
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0IRA/KEOGH Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Money Market Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Regular Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Share Certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Share Drafts
IRS990ScheduleD/RevenueSubtotalAmt01263470
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0241615
IRS990ScheduleD/TotalBookValueProgramRltdAmt09610000
IRS990ScheduleD/TotalExpensesPerForm990Amt01292292
IRS990ScheduleD/TotalLiabilityAmt030627413
IRS990ScheduleD/TotalRevenuePerForm990Amt01263470
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01263470
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01292292
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0222487
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt11097
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2214217
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt33931
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt415486
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt57914
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
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/LoanPurposeTxt01st Mortgage
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Visa
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt21st Mortgage
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Visa
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Used Aut
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0239740
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1245799
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt218383
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Fred Diaz
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Fred Diaz
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Alex Casillas
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Alex Casillas
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4J Lowe
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5J LOWE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Loan Ofc
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5LOAN OFFICER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/TotalBalanceDueAmt0465132
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members are entitled to vote in the annual elections of the Board of Directors and on other corporate matters.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members are entitled to vote in the annual elections of the Board of Directors and on other corporate matters.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE RETURN PREPARER E-MAILS A DRAFT OF THE FORM 990 TO A DESIGNATED OFFICER AND/OR CEO OF THE CREDIT UNION FOR REVIEW. THE DESIGNATED OFFICER AND/OR CEO SENDS A COPY TO THE BOARD OF DIRECTOR (S). THE DESIGNATED INDIVIDUAL(S) REVIEW THE DRAFT AND PRESENT ANY QUESTIONS, COMMENTS, OR CORRECTIONS TO THE RETURN PREPARER. UPON SATISFACTORY COMPLETION OF THE FORM 990, THE ORGANIZATION'S AUTHORIZED INDIVIDUAL SIGNS THE APPROPRIATE SIGNATURE FORM(S) TO AUTHORIZE THE ELECTRONIC FILING OF THE RETURN. A COPY OF THE FORM 990, AS FILED, IS PROVIDED BY THE RETURN PREPARER TO THEORGANIZATION'S CEO OR OTHER DESIGNATED INDIVIDUAL(S).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The process for determining compensation of the CEO and CFO includes the review and approval by the Board and is determined using comparable compensation data.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The process for determining compensation of the CEO and CFO includes the review and approval by the Board and is determined using comparable compensation data.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Governing documents and related policies are not generally available to the public. Our financial statements are available on the web.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$33,529,720
Liabilities
$30,737,125
Net assets
$2,792,595
Revenue
$1,263,470
Expenses
$1,292,292
Net income
-$28,822
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020Detailed filing. Detailed filing data is available for this year.$34.1$31.6$2.56$1.25$1.45$0.19
2019Detailed filing. Detailed filing data is available for this year.$32.0$29.3$2.75$1.38$1.41$0.03
2018Detailed filing. Detailed filing data is available for this year.$32.2$29.4$2.78$1.41$1.38$0.03
2017Detailed filing. Detailed filing data is available for this year.$34.3$31.6$2.75$1.37$1.41$0.05
2016Detailed filing. Detailed filing data is available for this year.$34.0$31.2$2.79$1.34$1.34$0.00
2015Detailed filing. Detailed filing data is available for this year.$33.5$30.7$2.79$1.26$1.29$0.03
2014Detailed filing. Detailed filing data is available for this year.$34.2$31.4$2.82$1.22$1.26$0.04
2013Detailed filing. Detailed filing data is available for this year.$35.1$32.3$2.86$1.18$1.40$0.22
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.5$31.4$3.09$1.46
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.0$31.8$3.15$1.63
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.5$31.3$3.23$1.74