Civic Intelligence

My Credit Union

990 • Fiscal year 2016 • EIN 94-6092012

Jan 01, 2016 to Dec 31, 2016 • Filed on May 15, 2017

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

90th percentile

0.92x

Higher debt load relative to assets than 90% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

68th percentile

23.32x

Higher debt load relative to revenue than 68% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

14th percentile

0.1%

Higher net margin than 14% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

57th percentile

$100,785

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 7.5% of source-year revenue.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Asset Growth

35th percentile

1.5%

Faster asset growth than 35% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

70th percentile

6.0%

Faster revenue growth than 70% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets90th percentile

Assets

Up

$34,030,919

Up $501,199 (+1.5%) from 2015

Net Assets

Up

$2,794,012

Up $1,417 (+0.1%) from 2015

Liabilities

Up

$31,236,907

Up $499,782 (+1.6%) from 2015

Revenue And Expenses
Liabilities / Revenue68th percentileNet Margin14th percentile

Revenue

Up

$1,339,298

Up $75,828 (+6.0%) from 2015

Expenses

Up

$1,337,881

Up $45,589 (+3.5%) from 2015

Net Income

Up

$1,417

Up $30,239 (+105%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth35th 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

2016

Assets$34,030,919
Liabilities$31,236,907
Net Assets$2,794,012
Open 2016 Filing

Operations Trend

Revenue Growth70th 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

2016

Revenue$1,339,298
Expenses$1,337,881
Net Income$1,417
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 15, 2017
Return Version
2016v3.0
Gross Receipts
$1,339,298
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$20,999,772$20,958,069▼ $41,703
Investments Program Related$9,610,000$10,172,911▲ $562,911
Rtn Earn Endowment Incm Other Fnds$2,792,595$2,794,012▲ $1,417
Savings and Temporary Cash Investments$1,117,637$1,905,592▲ $787,955
Investments Other Securities$802,982$0▼ $802,982
Land, Buildings, and Equipment, Net$241,615$197,519▼ $44,096
Cash and Non-Interest-Bearing Accounts$169,878$181,242▲ $11,364
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$33,529,720$34,030,919▲ $501,199
Other Assets Total$587,836$615,586▲ $27,750
Liabilities
Other Liabilities$30,627,413$31,122,045▲ $494,632
Accounts Payable and Accrued Expenses$109,712$114,862▲ $5,150
Total Liabilities$30,737,125$31,236,907▲ $499,782
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,792,595$2,794,012▲ $1,417
Total Liabilities and Net Assets / Fund Balance$33,529,720$34,030,919▲ $501,199

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$161,642$268,011$429,653
Other Land Buildings$35,877$142,084$177,961
Equipment-$17,360$17,360
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Alex CasillasPresidentFT$100,785$100,785
Fred DiazCEOFT$100,113$100,113

Board Members and Trustees

NameTitle
Dawna HorsleyDirector
Douglas AguileraDirector
Janet HallockDirector
Janice CarterDirector
Kevin CaudillDirector
Martha DominiceDirector
Richard OstillerDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$941,251
Investment Income
$161,660
Other Revenue
$236,387
Change in Net Assets
$1,417
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$772,774
Salaries, Compensation, and Employee Benefits$553,679
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$352,781
Office Expenses---$349,984
Fees for Services Other---$214,866
Current Officers, Directors, Trustees, and Key Employees---$200,898
Occupancy---$166,676
Travel---$12,709
Advertising---$12,378
Benefits to Members---$11,428
Other Expenses---$-2,153
Total Functional Expenses$0$0$0$1,337,881
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$11,539,335
Share Drafts$8,533,715
Money Market Shares$4,855,778
Share Certificates$3,650,707
IRA/KEOGH Accounts$2,542,510
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
2017-05-15
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 442 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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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Regular Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Share Certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Share Drafts
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Fred Diaz
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Fred Diaz
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Alex Casillas
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Alex Casillas
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4E Alvarez
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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
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$34,030,919
Liabilities
$31,236,907
Net assets
$2,794,012
Revenue
$1,339,298
Expenses
$1,337,881
Net income
$1,417
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