Civic Intelligence

My Credit Union

990 • Fiscal year 2018 • EIN 94-6092012

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 15, 2019

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

0.91x

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

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Liabilities / Revenue

69th percentile

20.77x

Higher debt load relative to revenue than 69% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Net Margin

13th percentile

2.2%

Higher net margin than 13% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Top Officer Pay

75th percentile

$126,977

Higher top officer pay than 75% of similar nonprofits.

Top officer pay equals 9.0% of source-year revenue.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Asset Growth

4th percentile

-6.2%

Faster asset growth than 4% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2017 to 2018

Revenue Growth

13th percentile

3.5%

Faster revenue growth than 13% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets90th percentile

Assets

Down

$32,158,613

Down $2,142,642 (-6.2%) from 2017

Net Assets

Up

$2,777,848

Up $31,735 (+1.2%) from 2017

Liabilities

Down

$29,380,765

Down $2,174,377 (-6.9%) from 2017

Revenue And Expenses
Liabilities / Revenue69th percentileNet Margin13th percentile

Revenue

Up

$1,414,308

Up $48,136 (+3.5%) from 2017

Expenses

Down

$1,382,573

Down $31,498 (-2.2%) from 2017

Net Income

Up

$31,735

Up $79,634 (+166%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth4th 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

2018

Assets$32,158,613
Liabilities$29,380,765
Net Assets$2,777,848
Open 2018 Filing

Operations Trend

Revenue Growth13th 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

2018

Revenue$1,414,308
Expenses$1,382,573
Net Income$31,735
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 15, 2019
Return Version
2018v3.1
Gross Receipts
$1,414,308
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$22,134,975$21,779,457▼ $355,518
Investments Program Related$9,307,807$8,468,071▼ $839,736
Rtn Earn Endowment Incm Other Fnds$2,746,113$2,777,848▲ $31,735
Savings and Temporary Cash Investments$1,874,346$857,090▼ $1,017,256
Cash and Non-Interest-Bearing Accounts$185,251$191,112▲ $5,861
Land, Buildings, and Equipment, Net$161,697$157,692▼ $4,005
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$34,301,255$32,158,613▼ $2,142,642
Other Assets Total$637,179$705,191▲ $68,012
Liabilities
Other Liabilities$31,384,310$29,092,301▼ $2,292,009
Accounts Payable and Accrued Expenses$170,832$288,464▲ $117,632
Total Liabilities$31,555,142$29,380,765▼ $2,174,377
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,746,113$2,777,848▲ $31,735
Total Liabilities and Net Assets / Fund Balance$34,301,255$32,158,613▼ $2,142,642

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$141,161$288,492$429,653
Other Land Buildings$16,531$168,599$185,130
Equipment-$17,360$17,360
Compensation and Service Providers
Top Officer Pay75th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Alex CasillasPresident & CEOFT$126,977$126,977
Fred DiazCEO (former)FT$12,788$12,788

Board Members and Trustees

NameTitle
Richard OstillerBoard Chair
Dawna HorsleySC Chair
Chris MirovBoard Member
Douglas AguileraBoard Member
Jon MosbyBoard Member
Kevin CaudillBoard Member
Charles StimmlerSC Member
Michael LopezSc Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$936,440
Investment Income
$244,127
Other Revenue
$233,741
Change in Net Assets
$31,735
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$851,290
Salaries, Compensation, and Employee Benefits$523,690
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$396,713
Office Expenses---$359,808
Occupancy---$179,326
Fees for Services Other---$144,224
Current Officers, Directors, Trustees, and Key Employees---$126,977
Travel---$13,812
Advertising---$13,142
Benefits to Members---$7,593
Other Expenses---$5,900
Interest---$509
Total Functional Expenses$0$0$0$1,382,573
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$10,506,403
Share Drafts$9,792,082
Money Market Shares$4,123,672
Share Certificates$2,853,835
IRA/KEOGH Accounts$1,816,309
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 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 available upon request; financials and other information are available at NCUA website.”

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
Alex Casillas
Title
President/ECO
Signed
2019-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Alex Casillas
Formed
1963
Legal Domicile
CA
Voting Board Members
5
Independent Board Members
5
Employees
13
Volunteers
8

Preparer

Firm
Richards & Associates
Address
21520 YORBA LINDA BLVD G-516, YORBA LINDA, CA 92887
Preparer
Richards Associates CPAs
Phone
7142876713
Raw XML AppendixShowing 400 of 464 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/BOYAmt0170832
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0288464
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/TotalAmt013142
IRS990/AllAffiliatesIncludedInd0false
IRS990/AllOtherExpensesGrp/TotalAmt00
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt07593
IRS990/BooksInCareOfDetail/PersonNm0Alex Casillas
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/BOYAmt0185251
IRS990/CashNonInterestBearingGrp/EOYAmt0191112
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0126977
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt07593
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0244127
IRS990/CYOtherExpensesAmt0851290
IRS990/CYOtherRevenueAmt0233741
IRS990/CYProgramServiceRevenueAmt0936440
IRS990/CYRevenuesLessExpensesAmt031735
IRS990/CYSalariesCompEmpBnftPaidAmt0523690
IRS990/CYTotalExpensesAmt01382573
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01414308
IRS990/DAFExcessBusinessHoldingsInd0false
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0Provided deposit and loan accounts to its 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/EmployeeCnt013
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EscrowAccountInd0false
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt0144224
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/AverageHoursPerWeekRt10.00
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/FormerOfcrDirectorTrusteeInd0X
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/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/PersonNm1MICHAEL LOPEZ
IRS990/Form990PartVIISectionAGrp/PersonNm2RICHARD OSTILLER
IRS990/Form990PartVIISectionAGrp/PersonNm3CHARLES STIMMLER
IRS990/Form990PartVIISectionAGrp/PersonNm4KEVIN CAUDILL
IRS990/Form990PartVIISectionAGrp/PersonNm5DAWNA HORSLEY
IRS990/Form990PartVIISectionAGrp/PersonNm6CHRIS MIROV
IRS990/Form990PartVIISectionAGrp/PersonNm7JON MOSBY
IRS990/Form990PartVIISectionAGrp/PersonNm8ALEX CASILLAS
IRS990/Form990PartVIISectionAGrp/PersonNm9Fred Diaz
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/ReportableCompFromOrgAmt8126977
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt912788
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/TitleTxt0Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt1SC MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt3SC Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5SC Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt8President & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO (former)
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0false
IRS990/FormationYr01963
IRS990/FormerOfcrEmployeesListedInd0true
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01414308
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0509
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0244127
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0244127
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt09307807
IRS990/InvestmentsProgramRelatedGrp/EOYAmt08468071
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt01000
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0474451
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0161697
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0157692
IRS990/LandBldgEquipCostOrOtherBssAmt0632143
IRS990/LegalDomicileStateCd0CA
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0true
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/NetAssetsOrFundBalancesBOYAmt02746113
IRS990/NetAssetsOrFundBalancesEOYAmt02777848
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0179326
IRS990/OfficeExpensesGrp/TotalAmt0359808
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt0637179
IRS990/OtherAssetsTotalGrp/EOYAmt0705191
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Loan servicing expense
IRS990/OtherExpensesGrp/Desc1Provision Credit for Loan Loss
IRS990/OtherExpensesGrp/Desc2Misc Operating Expense
IRS990/OtherExpensesGrp/Desc3Operating Fees
IRS990/OtherExpensesGrp/TotalAmt077922
IRS990/OtherExpensesGrp/TotalAmt142000
IRS990/OtherExpensesGrp/TotalAmt214647
IRS990/OtherExpensesGrp/TotalAmt35900
IRS990/OtherLiabilitiesGrp/BOYAmt031384310
IRS990/OtherLiabilitiesGrp/EOYAmt029092301
IRS990/OtherRevenueMiscGrp/Desc0Fee Income
IRS990/OtherRevenueMiscGrp/Desc1Other Operating Income
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0159380
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt174361
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0159380
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt174361
IRS990/OtherRevenueTotalAmt0233741
IRS990/OtherSalariesAndWagesGrp/TotalAmt0396713
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt022134975
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt021779457
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0ALEX CASILLAS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0936440
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0936440
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt08420
IRS990/PYInvestmentIncomeAmt0188870
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0875569
IRS990/PYOtherRevenueAmt0214307
IRS990/PYProgramServiceRevenueAmt0962995
IRS990/PYRevenuesLessExpensesAmt0-47899
IRS990/PYSalariesCompEmpBnftPaidAmt0530082
IRS990/PYTotalExpensesAmt01414071
IRS990/PYTotalRevenueAmt01366172
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt031735
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02746113
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02777848
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01874346
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0857090
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/DepreciationAmt017360
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt017360
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0141161
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0288492
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0429653
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt016531
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0168599
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0185130
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01816309
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt14123672
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt210506403
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt32853835
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt49792082
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0IRA/KEOGH Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Money Market Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Regular Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Share Certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Share Drafts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0157692
IRS990ScheduleD/TotalBookValueProgramRltdAmt08468071
IRS990ScheduleD/TotalLiabilityAmt029092301
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt012788
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Fred Diaz
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO (former)
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt012788
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0187268
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1195091
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2284
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3163
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt440000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3false
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/LoanPurposeTxt01st Mortgage
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Visa
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt21st Mortgag
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Visa
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Visa
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0290000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt17500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt2200000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt3990
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt4500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Alex Casillas
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Alex Casillas
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Rick Ostiller
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Dawna Horsley
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4Douglas Aguilera
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5Rick Ostiller
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Board Chair
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3SC Chair
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Board membe
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5Board Chair
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/TotalBalanceDueAmt0422806
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Members are entitled to vote in the annual elections of the Board of Directors and on other corporate matters.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members are entitled to vote in the annual elections of the Board of Directors and on other corporate matters.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE 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/ExplanationTxt3The 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/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/ExplanationTxt5Governing documents and related policies are available upon request; financials and other information are available at NCUA website.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$32,158,613
Liabilities
$29,380,765
Net assets
$2,777,848
Revenue
$1,414,308
Expenses
$1,382,573
Net income
$31,735
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