Civic Intelligence

My Credit Union

990 • Fiscal year 2019 • EIN 94-6092012

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 15, 2020

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

93rd percentile

0.91x

Higher debt load relative to assets than 93% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Liabilities / Revenue

77th percentile

21.26x

Higher debt load relative to revenue than 77% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Net Margin

5th percentile

-2.1%

Higher net margin than 5% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Top Officer Pay

54th percentile

$109,582

Higher top officer pay than 54% of similar nonprofits.

Top officer pay equals 8.0% of source-year revenue.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Asset Growth

26th percentile

-0.4%

Faster asset growth than 26% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Revenue Growth

8th percentile

-2.7%

Faster revenue growth than 8% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Down

$32,017,144

Down $141,469 (-0.4%) from 2018

Net Assets

Down

$2,749,497

Down $28,351 (-1.0%) from 2018

Liabilities

Down

$29,267,647

Down $113,118 (-0.4%) from 2018

Revenue And Expenses
Liabilities / Revenue77th percentileNet Margin5th percentile

Revenue

Down

$1,376,793

Down $37,515 (-2.7%) from 2018

Expenses

Up

$1,405,144

Up $22,571 (+1.6%) from 2018

Net Income

Down

-$28,351

Down $60,086 (-189%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth26th 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

2019

Assets$32,017,144
Liabilities$29,267,647
Net Assets$2,749,497
Open 2019 Filing

Operations Trend

Revenue Growth8th 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

2019

Revenue$1,376,793
Expenses$1,405,144
Net Income-$28,351
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 15, 2020
Return Version
2019v5.0
Gross Receipts
$1,376,793
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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$21,356,651$19,926,636▼ $1,430,015
Investments Program Related$8,468,071$8,861,570▲ $393,499
Rtn Earn Endowment Incm Other Fnds$2,777,848$2,749,497▼ $28,351
Savings and Temporary Cash Investments$857,090$1,808,879▲ $951,789
Receivables From Officers Etc$422,806$434,488▲ $11,682
Cash and Non-Interest-Bearing Accounts$191,112$171,015▼ $20,097
Land, Buildings, and Equipment, Net$157,692$120,985▼ $36,707
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$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$32,158,613$32,017,144▼ $141,469
Other Assets Total$705,191$693,571▼ $11,620
Liabilities
Other Liabilities$29,092,301$29,116,836▲ $24,535
Accounts Payable and Accrued Expenses$288,464$150,811▼ $137,653
Total Liabilities$29,380,765$29,267,647▼ $113,118
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,777,848$2,749,497▼ $28,351
Total Liabilities and Net Assets / Fund Balance$32,158,613$32,017,144▼ $141,469

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$76,065$353,588$429,653
Other Land Buildings$15,449$181,970$197,419
Equipment$29,471$36,190$65,661
Compensation and Service Providers
Top Officer Pay54th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Alex CasillasPresident & CEOFT$107,370$2,212$109,582

Board Members and Trustees

NameTitle
Richard OstillerBoard Chairman
Douglas AguileraBoard ViceChair
Dawna HorsleySC Chair
Charles StimlerBoard Member
Kevin CaudillBoard Member
Chris MirovBoard Sec/Treas
Fred DiazCEO (former)
Jon MosbySC Member
Michael LopezSc Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$895,487
Investment Income
$268,416
Other Revenue
$212,890
Change in Net Assets
$-28,351
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$902,244
Salaries, Compensation, and Employee Benefits$496,341
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$393,946
Other Salaries and Wages---$386,759
Occupancy---$178,448
Fees for Services Other---$154,571
Current Officers, Directors, Trustees, and Key Employees---$109,582
Travel---$11,359
Benefits to Members---$6,559
Other Expenses---$5,879
Advertising---$4,145
Interest---$1,829
All Other Expenses---$2
Total Functional Expenses$0$0$0$1,405,144
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$422,806$434,488▲ $11,682
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$10,852,777
Share Drafts$10,341,993
Money market$4,118,712
Share Certificates$2,215,446
IRA/KEOGH Accounts$1,587,908
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 35% controlled entity
No
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

“Most members reside, work, or worship in San Mateo County in Northern California oremployees of qualified Selected Employee Groups and their qualifying family 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 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
2020-11-15
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
7
Volunteers
8

Preparer

Firm
Richards & Associates
Address
21520 YORBA LINDA BLVD G-516, YORBA LINDA, CA 92887
Preparer
Richards Associates CPAs
Phone
7142876713
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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0434488
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IRS990ScheduleD/EquipmentGrp/BookValueAmt029471
IRS990ScheduleD/EquipmentGrp/DepreciationAmt036190
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt065661
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt076065
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0353588
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0429653
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt015449
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0181970
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0197419
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01587908
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt14118712
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt210852777
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt32215446
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt410341993
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0IRA/KEOGH Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Money market
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Regular Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Share Certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Share Drafts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0120985
IRS990ScheduleD/TotalBookValueProgramRltdAmt08861570
IRS990ScheduleD/TotalLiabilityAmt029116836
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt071919
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1184084
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2178325
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt310
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt4150
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt11st Mortgag
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt21ST MORTGAG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0200000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1200000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt2290000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt310000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt4500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Rick Ostiller
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Rick Ostiller
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2ALEX CASILLAS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Dawna Horsley
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4DOUGLAS AGUILERA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Board Chair
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Board Chair
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2PRES/CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3SC CHAIR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4BOARD VICE
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IRS990ScheduleL/TotalBalanceDueAmt0434488
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Most members reside, work, or worship in San Mateo County in Northern California oremployees of qualified Selected Employee Groups and their qualifying family members.
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 available upon request; financials and other information are available at NCUA website.
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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IRS990/SubjectToProxyTaxInd0false
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IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
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IRS990/TerminateOperationsInd0false
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IRS990/TotalFunctionalExpensesGrp/TotalAmt01405144
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt029380765
IRS990/TotalLiabilitiesEOYAmt029267647

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$32,017,144
Liabilities
$29,267,647
Net assets
$2,749,497
Revenue
$1,376,793
Expenses
$1,405,144
Net income
-$28,351
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