Civic Intelligence

United Health Credit Union

990 • Fiscal year 2017 • EIN 94-6093763

Jan 01, 2017 to Dec 31, 2017 • Filed on Aug 29, 2018

Organization ProfileWWW.UPWARDCU.ORG

View Organization Page

1860 El Camino Real Suite 100Burlingame, CA 94010-3106

(650) 231-1300

Siviq Scores

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

Liabilities / Assets

76th percentile

0.91x

Higher debt load relative to assets than 76% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Liabilities / Revenue

67th percentile

21.14x

Higher debt load relative to revenue than 67% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Net Margin

56th percentile

11%

Higher net margin than 56% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Top Officer Pay

72nd percentile

$169,304

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 5.4% of source-year revenue.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Asset Growth

80th percentile

6.4%

Faster asset growth than 80% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Revenue Growth

73rd percentile

10.0%

Faster revenue growth than 73% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$73,307,813

Up $4,440,048 (+6.4%) from 2016

Net Assets

Up

$6,875,927

Up $348,139 (+5.3%) from 2016

Liabilities

Up

$66,431,886

Up $4,091,909 (+6.6%) from 2016

Revenue And Expenses
Liabilities / Revenue67th percentileNet Margin56th percentile

Revenue

Up

$3,141,905

Up $284,939 (+10.0%) from 2016

Expenses

Up

$2,793,766

Up $111,182 (+4.1%) from 2016

Net Income

Up

$348,139

Up $173,757 (+100%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth80th percentile

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

$150M$100M$50M$0Assets 2011: $48,387,304Liabilities 2011: $44,900,402Net Assets 2011: $3,486,9022011Assets 2012: $50,209,793Liabilities 2012: $46,608,996Net Assets 2012: $3,600,7972012Assets 2013: $52,759,397Liabilities 2013: $48,960,530Net Assets 2013: $3,798,8672013Assets 2014: $64,834,695Liabilities 2014: $58,624,988Net Assets 2014: $6,209,7072014Assets 2015: $66,399,109Liabilities 2015: $60,045,703Net Assets 2015: $6,353,4062015Assets 2016: $68,867,765Liabilities 2016: $62,339,977Net Assets 2016: $6,527,7882016Assets 2017: $73,307,813Liabilities 2017: $66,431,886Net Assets 2017: $6,875,9272017Assets 2018: $78,857,046Liabilities 2018: $70,946,866Net Assets 2018: $7,910,1802018Assets 2019: $78,999,908Liabilities 2019: $70,475,287Net Assets 2019: $8,524,6212019Assets 2020: $91,742,051Liabilities 2020: $83,001,370Net Assets 2020: $8,740,6812020Assets 2021: $102,007,793Liabilities 2021: $93,458,520Net Assets 2021: $8,549,2732021Assets 2022: $93,358,986Liabilities 2022: $86,867,198Net Assets 2022: $6,491,7882022Assets 2023: $94,183,458Liabilities 2023: $86,716,109Net Assets 2023: $7,467,3492023Assets 2024: $94,012,475Liabilities 2024: $85,146,776Net Assets 2024: $8,865,6992024

Highlighted filing

2017

Assets$73,307,813
Liabilities$66,431,886
Net Assets$6,875,927
Open 2017 Filing

Operations Trend

Revenue Growth73rd percentile

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

$6.0M$4.0M$2.0M$0Expenses 2011: $2,120,5192011Expenses 2012: $2,354,9942012Revenue 2013: $2,297,207Expenses 2013: $2,099,137Net Income 2013: $198,0702013Revenue 2014: $2,848,064Expenses 2014: $2,401,624Net Income 2014: $446,4402014Revenue 2015: $2,672,527Expenses 2015: $2,528,828Net Income 2015: $143,6992015Revenue 2016: $2,856,966Expenses 2016: $2,682,584Net Income 2016: $174,3822016Revenue 2017: $3,141,905Expenses 2017: $2,793,766Net Income 2017: $348,1392017Revenue 2018: $3,879,227Expenses 2018: $2,844,974Net Income 2018: $1,034,2532018Revenue 2019: $3,742,663Expenses 2019: $3,128,222Net Income 2019: $614,4412019Revenue 2020: $3,345,251Expenses 2020: $3,129,191Net Income 2020: $216,0602020Revenue 2021: $3,082,501Expenses 2021: $2,994,704Net Income 2021: $87,7972021Revenue 2022: $3,232,601Expenses 2022: $3,071,754Net Income 2022: $160,8472022Revenue 2023: $3,887,245Expenses 2023: $3,624,049Net Income 2023: $263,1962023Revenue 2024: $4,688,101Expenses 2024: $4,304,148Net Income 2024: $383,9532024

Highlighted filing

2017

Revenue$3,141,905
Expenses$2,793,766
Net Income$348,139
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Aug 29, 2018
Return Version
2017v2.3
Gross Receipts
$3,141,905
Mission and Program Overview

Mission

A cooperative, organized for the purpose of promoting thrift andsavings among its members, creating a source of credit for them at rates of interest set by the board of directors, and providing an opportunity for them to use and control their own money on a democratic basis in order to improve their economic and social conditions. As a cooperative, united health credit union conductsits business for the mutual benefit and general welfare of itsmembers with the earnings, savings, benefits, or services of the credit union being distributed to its members as patrons.

A cooperative organized for the purpose of promoting thrift and savings among its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$60,869,586$66,162,048▲ $5,292,462
Rtn Earn Endowment Incm Other Fnds$6,527,788$6,875,927▲ $348,139
Investments in Publicly Traded Securities$1,000,000$1,500,000▲ $500,000
Savings and Temporary Cash Investments$2,503,047$1,088,253▼ $1,414,794
Cash and Non-Interest-Bearing Accounts$235,619$311,714▲ $76,095
Prepaid Expenses and Deferred Charges$166,259$188,983▲ $22,724
Land, Buildings, and Equipment, Net$113,860$83,479▼ $30,381
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$68,867,765$73,307,813▲ $4,440,048
Other Assets Total$3,979,394$3,973,336▼ $6,058
Liabilities
Other Liabilities$61,661,220$65,461,668▲ $3,800,448
Accounts Payable and Accrued Expenses$678,757$970,218▲ $291,461
Total Liabilities$62,339,977$66,431,886▲ $4,091,909
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,527,788$6,875,927▲ $348,139
Total Liabilities and Net Assets / Fund Balance$68,867,765$73,307,813▲ $4,440,048

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$83,479$1,546,306$1,629,785
Investment Program Related Org$3,639,000--
Other Assets Org$3,792,163--
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Carol Linda WhitePresident & CEOFT$162,700$6,604$169,304
Paul Lindsley FormerCFOFT$116,803$4,680$121,483
Cyndee LemonCOOFT$89,972$2,700$92,672

Board Members and Trustees

NameTitle
Annie OlivetoChairman
Theresa ChaseSupv Cmte Chairman
Anthony ViolantiVice Chairman
Angie DavisDirector
Joan LatuffDirector
Karen DawkinsDirector
Lauretta DavisDirector
Reed GrahamDirector
Abby LegosSecretary
Ann BrownSupv Cmte Member
Gary ChuSupv Cmte Member
Ted CelentinoTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,626,621
Investment Income
$515,284
Other Revenue
$0
Change in Net Assets
$348,139
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,492,085
Salaries, Compensation, and Employee Benefits$1,301,681
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$886,504
Office Expenses---$620,348
Current Officers, Directors, Trustees, and Key Employees---$369,475
Occupancy---$164,721
Information Technology---$125,853
Advertising---$81,674
Interest---$66,738
Depreciation Depletion---$48,789
Fees for Services Other---$48,714
Pension Plan Contributions---$45,702
Travel---$43,551
Fees for Services Accounting---$19,200
Other Expenses---$10,529
Total Functional Expenses$0$0$0$2,793,766
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$501
Total Exempt Function Spending$501

Section 527 Organizations

OrganizationLocationAmount
94-0357265Ontario, CA$501
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Shares & Deposits$65,461,668
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Upward credit union is a cooperative financial institution that is owned and controlled by its members and operated for the purpose of promoting thrift and savings to its members. Upward credit union does not have stockholders.”

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

“The governing board of upward credit union is comprised of volunteer members who are directly elected by its members. Each member of the governing board serves for a period as prescribed by our by-laws.”

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

“At the end of each term of the board members, elections are held and board members are voted by the members of the credit union pursuant to its by-laws. Member votes are also required to ratify decisions dealing with reorganizations as in the case of merger or dissolution.”

Form 990, Part VI, Section B, Line 11B

“A copy of form 990 and schedules are presented to the board at the board meeting for review and discussion. Changes and modifications are then taken into account for final completion and approval.”

Form 990, Part VI, Section B, Line 15

“The board appoints a committee that performs the review for the ceo and reviews salary surveys for credit unions to determine the salary range. The ceo does the performance evaluation for senior management and reviews salary surveys for credit unions to determine the salary range.”

Form 990, Part VI, Section C, Line 19

“UPON REQUEST”

Filing and Contact Details

Filer

Filer Name
Upward Credit Union
EIN
94-6093763
Phone
6502311300
Address
1860 EL CAMINO REAL SUITE 100, BURLINGAME, CA 94010-3106

Signing Officer

Name
Linda White
Title
CEO
Phone
6502311300
Signed
2018-08-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Linda White
Formed
1956
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
15
Volunteers
12

Preparer

Firm
Turner Warren Hwang & Conrad Acctcy
Address
100 NORTH FIRST ST STE 202, BURBANK, CA 91502
Preparer
Valentino Creus CPA
Phone
8189549700
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The organization has not changed either its oversight process or selection process during the tax year. Form 990, section 1.263(a)-1(f) de minimis safe harbor election upward credit union 1860 el camino real, #100 burlingame, ca 94010-3106 taxpayer identification number: 94-6093763 for the year ending december 31, 2017 upward credit union is making the de minimis safe harbor election under reg. Sec. 1.263(a)-1(f).”

Financial Statement Notes

PART X, LINE 2:

“The credit union is a state-chartered credit union described in the internal revenue code (irc) section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (as defined in section 512) derived by state-chartered credit unions. Many states have similar laws. The specific application of section 512 to the various activities conducted by state-chartered credit unions has been at issue for many years. During 2007, the internal revenue service (irs) issued a series of technical advice memoranda (tam) to a number of state-chartered credit unions located throughout the country. In these tams the irs ruled certain products and services to be subject to taxation as unrelated business income. In light of the tams, the credit union has assessed its activities and any potential federal or state income tax liability. In the opinion of management, any liability arising from federal or state taxation of activities deemed to be unrelated to its exempt purposes is not expected to have a material effect on the credit union's financial position or results of operation.”

Raw XML AppendixShowing 400 of 463 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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IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
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IRS990/InterestGrp/TotalAmt066738
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0515284
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0515284
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt060869586
IRS990/InvestmentsProgramRelatedGrp/EOYAmt066162048
IRS990/InvestmentsPubTradedSecGrp/BOYAmt01000000
IRS990/InvestmentsPubTradedSecGrp/EOYAmt01500000
IRS990/IRPDocumentCnt0974
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01546306
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0113860
IRS990/LandBldgEquipBasisNetGrp/EOYAmt083479
IRS990/LandBldgEquipCostOrOtherBssAmt01629785
IRS990/LegalDomicileStateCd0CA
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT ANDSAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, UPWARD CREDIT UNION CONDUCTSITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITSMEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt06527788
IRS990/NetAssetsOrFundBalancesEOYAmt06875927
IRS990/NetUnrelatedBusTxblIncmAmt0-44286
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0164721
IRS990/OfficeExpensesGrp/TotalAmt0620348
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03979394
IRS990/OtherAssetsTotalGrp/EOYAmt03973336
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN & LE
IRS990/OtherExpensesGrp/Desc2MISC OPERATING EXPENSE
IRS990/OtherExpensesGrp/Desc3OPERATING FEES
IRS990/OtherExpensesGrp/TotalAmt0116413
IRS990/OtherExpensesGrp/TotalAmt187900
IRS990/OtherExpensesGrp/TotalAmt257655
IRS990/OtherExpensesGrp/TotalAmt310529
IRS990/OtherLiabilitiesGrp/BOYAmt061661220
IRS990/OtherLiabilitiesGrp/EOYAmt065461668
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt0886504
IRS990/OtherWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt045702
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0166259
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0188983
IRS990/PrincipalOfficerNm0LINDA WHITE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01937118
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1610801
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt248211
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01937118
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1640170
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt249333
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt029369
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt11122
IRS990/ProgSrvcAccomActy2Grp/Desc0ACHIEVEMENT OF SUCCESSFUL PROVISION OF ATM MACHINES ACCESSIBLE AT MAJOR OUTLETS FOR MEMBER USE.
IRS990/ProgSrvcAccomActy3Grp/Desc0ACHIEVEMENT OF GOAL OF AFFORDABLE AND REASONABLE CREDIT CARD PRODUCTS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0456755
IRS990/PYOtherExpensesAmt01454429
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt02400211
IRS990/PYRevenuesLessExpensesAmt0174382
IRS990/PYSalariesCompEmpBnftPaidAmt01228155
IRS990/PYTotalExpensesAmt02682584
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02856966
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0348139
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06527788
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06875927
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02503047
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01088253
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt0501
IRS990ScheduleC/PoliticalExpendituresAmt0501
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0940357265
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CCUL - PAC
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt0501
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt02855 E GUASTI ROAD SUITE 600
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0ONTARIO
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0CA
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd091761
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0CONTRIBUTION TO CALIFORNIA CREDIT UNION LEAGUE POLITICAL ACTION COMMITTEE
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I-A, LINE 1:
IRS990ScheduleC/TotalExemptFunctionExpendAmt0501
IRS990ScheduleD/EquipmentGrp/BookValueAmt083479
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01546306
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01629785
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt041351955
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt120447000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2623788
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt3100305
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt43639000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NET LOANS & LEASES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1DEPOSITS IN COMMERCIAL BANKS, ETC
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3MEMBERSHIP CAPITAL AT CORP
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4LOANS TO AND INVESTMENTS IN NATURAL CU
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0135931
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt145242
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt23792163
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST ON LOANS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1ACCRUED INTEREST ON INVESTMENTS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2ALL OTHER ASSETS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt065461668
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0TOTAL SHARES & DEPOSITS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION DESCRIBED IN THE INTERNAL REVENUE CODE (IRC) SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (AS DEFINED IN SECTION 512) DERIVED BY STATE-CHARTERED CREDIT UNIONS. MANY STATES HAVE SIMILAR LAWS. THE SPECIFIC APPLICATION OF SECTION 512 TO THE VARIOUS ACTIVITIES CONDUCTED BY STATE-CHARTERED CREDIT UNIONS HAS BEEN AT ISSUE FOR MANY YEARS. DURING 2007, THE INTERNAL REVENUE SERVICE (IRS) ISSUED A SERIES OF TECHNICAL ADVICE MEMORANDA (TAM) TO A NUMBER OF STATE-CHARTERED CREDIT UNIONS LOCATED THROUGHOUT THE COUNTRY. IN THESE TAMS THE IRS RULED CERTAIN PRODUCTS AND SERVICES TO BE SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. IN LIGHT OF THE TAMS, THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY. IN THE OPINION OF MANAGEMENT, ANY LIABILITY ARISING FROM FEDERAL OR STATE TAXATION OF ACTIVITIES DEEMED TO BE UNRELATED TO ITS EXEMPT PURPOSES IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt083479
IRS990ScheduleD/TotalBookValueOtherAssetsAmt03973336
IRS990ScheduleD/TotalBookValueProgramRltdAmt066162048
IRS990ScheduleD/TotalLiabilityAmt065461668
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0162700
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt06604
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0CAROL LINDA WHITE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0169304
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION OFFERS A 457(F) PLAN WHICH IS A DEFERRED COMPENSATION PLAN FOR THE BENEFIT OF THE CEO. THE CREDIT UNION MAKES ANNUAL ACCRUALS TO THE PLAN ON BEHALF OF THE CEO, AND THE CEO BECOMES ELIGIBLE TO RECEIVE THE FUNDS AFTER COMPLETION OF A CONTRACTED PERIOD OF TIME.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0UPWARD CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. UPWARD CREDIT UNION DOES NOT HAVE STOCKHOLDERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE GOVERNING BOARD OF UPWARD CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY OUR BY-LAWS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2AT THE END OF EACH TERM OF THE BOARD MEMBERS, ELECTIONS ARE HELD AND BOARD MEMBERS ARE VOTED BY THE MEMBERS OF THE CREDIT UNION PURSUANT TO ITS BY-LAWS. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A COPY OF FORM 990 AND SCHEDULES ARE PRESENTED TO THE BOARD AT THE BOARD MEETING FOR REVIEW AND DISCUSSION. CHANGES AND MODIFICATIONS ARE THEN TAKEN INTO ACCOUNT FOR FINAL COMPLETION AND APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD APPOINTS A COMMITTEE THAT PERFORMS THE REVIEW FOR THE CEO AND REVIEWS SALARY SURVEYS FOR CREDIT UNIONS TO DETERMINE THE SALARY RANGE. THE CEO DOES THE PERFORMANCE EVALUATION FOR SENIOR MANAGEMENT AND REVIEWS SALARY SURVEYS FOR CREDIT UNIONS TO DETERMINE THE SALARY RANGE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. FORM 990, SECTION 1.263(A)-1(F) DE MINIMIS SAFE HARBOR ELECTION UPWARD CREDIT UNION 1860 EL CAMINO REAL, #100 BURLINGAME, CA 94010-3106 TAXPAYER IDENTIFICATION NUMBER: 94-6093763 FOR THE YEAR ENDING DECEMBER 31, 2017 UPWARD CREDIT UNION IS MAKING THE DE MINIMIS SAFE HARBOR ELECTION UNDER REG. SEC. 1.263(A)-1(F).
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt068867765
IRS990/TotalAssetsEOYAmt073307813
IRS990/TotalAssetsGrp/BOYAmt068867765
IRS990/TotalAssetsGrp/EOYAmt073307813
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt015
IRS990/TotalFunctionalExpensesGrp/TotalAmt02793766
IRS990/TotalGrossUBIAmt030491
IRS990/TotalLiabilitiesBOYAmt062339977

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$73,307,813
Liabilities
$66,431,886
Net assets
$6,875,927
Revenue
$3,141,905
Expenses
$2,793,766
Net income
$348,139
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$94.0$85.1$8.87$4.69$4.30$0.38
2023Detailed filing. Detailed filing data is available for this year.$94.2$86.7$7.47$3.89$3.62$0.26
2022Detailed filing. Detailed filing data is available for this year.$93.4$86.9$6.49$3.23$3.07$0.16
2021Detailed filing. Detailed filing data is available for this year.$102$93.5$8.55$3.08$2.99$0.09
2020Detailed filing. Detailed filing data is available for this year.$91.7$83.0$8.74$3.35$3.13$0.22
2019Detailed filing. Detailed filing data is available for this year.$79.0$70.5$8.52$3.74$3.13$0.61
2018Detailed filing. Detailed filing data is available for this year.$78.9$70.9$7.91$3.88$2.84$1.03
2017Detailed filing. Detailed filing data is available for this year.$73.3$66.4$6.88$3.14$2.79$0.35
2016Summary only. Only limited summary data is available for this year.$68.9$62.3$6.53$2.86$2.68$0.17
2015Detailed filing. Detailed filing data is available for this year.$66.4$60.0$6.35$2.67$2.53$0.14
2014Detailed filing. Detailed filing data is available for this year.$64.8$58.6$6.21$2.85$2.40$0.45
2013Detailed filing. Detailed filing data is available for this year.$52.8$49.0$3.80$2.30$2.10$0.20
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.2$46.6$3.60$2.35
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.4$44.9$3.49$2.12