Civic Intelligence

United Health Credit Union

990 • Fiscal year 2019 • EIN 94-6093763

Jan 01, 2019 to Dec 31, 2019 • Filed on Sep 17, 2020

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

64th percentile

0.89x

Higher debt load relative to assets than 64% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Liabilities / Revenue

67th percentile

18.83x

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

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Net Margin

70th percentile

16%

Higher net margin than 70% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Top Officer Pay

89th percentile

$230,930

Higher top officer pay than 89% of similar nonprofits.

Top officer pay equals 6.2% of source-year revenue.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Asset Growth

21st percentile

0.2%

Faster asset growth than 21% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2018 to 2019

Revenue Growth

7th percentile

-3.5%

Faster revenue growth than 7% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$78,999,908

Up $142,862 (+0.2%) from 2018

Net Assets

Up

$8,524,621

Up $614,441 (+7.8%) from 2018

Liabilities

Down

$70,475,287

Down $471,579 (-0.7%) from 2018

Revenue And Expenses
Liabilities / Revenue67th percentileNet Margin70th percentile

Revenue

Down

$3,742,663

Down $136,564 (-3.5%) from 2018

Expenses

Up

$3,128,222

Up $283,248 (+10.0%) from 2018

Net Income

Down

$614,441

Down $419,812 (-41%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth21st 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

2019

Assets$78,999,908
Liabilities$70,475,287
Net Assets$8,524,621
Open 2019 Filing

Operations Trend

Revenue Growth7th 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

2019

Revenue$3,742,663
Expenses$3,128,222
Net Income$614,441
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Sep 17, 2020
Return Version
2019v5.1
Gross Receipts
$3,742,663
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$70,467,366$70,142,172▼ $325,194
Rtn Earn Endowment Incm Other Fnds$7,910,180$8,524,621▲ $614,441
Savings and Temporary Cash Investments$2,187,208$2,645,026▲ $457,818
Investments in Publicly Traded Securities$1,500,000$2,500,000▲ $1,000,000
Receivables From Officers Etc-$1,320,000-
Cash and Non-Interest-Bearing Accounts$313,711$311,254▼ $2,457
Land, Buildings, and Equipment, Net$102,575$267,066▲ $164,491
Prepaid Expenses and Deferred Charges$161,141$66,730▼ $94,411
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$78,857,046$78,999,908▲ $142,862
Other Assets Total$4,125,045$1,747,660▼ $2,377,385
Liabilities
Other Liabilities$70,233,653$70,046,304▼ $187,349
Accounts Payable and Accrued Expenses$713,213$428,983▼ $284,230
Total Liabilities$70,946,866$70,475,287▼ $471,579
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,910,180$8,524,621▲ $614,441
Total Liabilities and Net Assets / Fund Balance$78,857,046$78,999,908▲ $142,862

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$90,132$1,636,138$1,726,270
Leasehold Improvements$176,934$18,013$194,947
Investment Program Related Org$4,481,000--
Compensation and Service Providers
Top Officer Pay89th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Carol Linda WhitePresident & CEOFT$192,553$38,377$230,930

Board Members and Trustees

NameTitle
Annie MillerChairman
Theresa ChaseSupv Cmte Chairperson
Anthony ViolantiVice Chairman
Angela DavisDirector
Joan LatuffDirector
Karen DawkinsDirector
Kaylyn DawkinsDirector
Reed GrahamDirector
Abby VillavicencioSecretary
Ann BrownSupv Cmte Member
Clarence DickersonSupv Cmte Member
Ted CelentinoTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Rossi Builders INCContracting3127-A MISSION ST, San Francisco, CA 94110$187,477
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,024,464
Investment Income
$718,199
Other Revenue
$0
Change in Net Assets
$614,441
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,695,423
Salaries, Compensation, and Employee Benefits$1,432,799
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,164,375
Office Expenses---$602,546
Interest---$203,305
Current Officers, Directors, Trustees, and Key Employees---$192,553
Occupancy---$173,984
Information Technology---$142,551
Advertising---$104,416
Fees for Services Other---$94,774
Pension Plan Contributions---$75,871
Depreciation Depletion---$68,284
Travel---$35,363
Fees for Services Accounting---$27,123
Other Expenses---$12,884
Fees for Services Legal---$11,961
Total Functional Expenses$0$0$0$3,128,222
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$470
Total Exempt Function Spending$470

Section 527 Organizations

OrganizationLocationAmount
94-0357265Ontario, CA$470
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees-$1,320,000-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Shares & Deposits$70,046,304
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
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
2020-09-17
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
16
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, 2019 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.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
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IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt070467366
IRS990/InvestmentsProgramRelatedGrp/EOYAmt070142172
IRS990/InvestmentsPubTradedSecGrp/BOYAmt01500000
IRS990/InvestmentsPubTradedSecGrp/EOYAmt02500000
IRS990/IRPDocumentCnt01003
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01654151
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0102575
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0267066
IRS990/LandBldgEquipCostOrOtherBssAmt01921217
IRS990/LegalDomicileStateCd0CA
IRS990/LoanOutstandingInd01
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/NetAssetsOrFundBalancesBOYAmt07910180
IRS990/NetAssetsOrFundBalancesEOYAmt08524621
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0173984
IRS990/OfficeExpensesGrp/TotalAmt0602546
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04125045
IRS990/OtherAssetsTotalGrp/EOYAmt01747660
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN & LE
IRS990/OtherExpensesGrp/Desc2MISC OPERATING EXPENSE
IRS990/OtherExpensesGrp/Desc3OPERATING FEES
IRS990/OtherExpensesGrp/TotalAmt0100235
IRS990/OtherExpensesGrp/TotalAmt175815
IRS990/OtherExpensesGrp/TotalAmt242182
IRS990/OtherExpensesGrp/TotalAmt312884
IRS990/OtherLiabilitiesGrp/BOYAmt070233653
IRS990/OtherLiabilitiesGrp/EOYAmt070046304
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt01164375
IRS990/OtherWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt075871
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0161141
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt066730
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/RelatedOrExemptFuncIncomeAmt02241362
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1636225
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt299850
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02241362
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1669500
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2113602
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt033275
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt113752
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01008546
IRS990/PYOtherExpensesAmt01609797
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt02870681
IRS990/PYRevenuesLessExpensesAmt01034253
IRS990/PYSalariesCompEmpBnftPaidAmt01235177
IRS990/PYTotalExpensesAmt02844974
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03879227
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01320000
IRS990/ReconcilationRevenueExpnssAmt0614441
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07910180
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt08524621
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02187208
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02645026
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt0470
IRS990ScheduleC/PoliticalExpendituresAmt0470
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0940357265
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CCUL - PAC
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt0470
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/TotalExemptFunctionExpendAmt0470
IRS990ScheduleD/EquipmentGrp/BookValueAmt090132
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01636138
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01726270
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt045898895
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt118999000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2662972
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt3100305
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt44481000
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/LeaseholdImprovementsGrp/BookValueAmt0176934
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt018013
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0194947
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt070046304
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/TotalBookValueLandBuildingsAmt0267066
IRS990ScheduleD/TotalBookValueProgramRltdAmt070142172
IRS990ScheduleD/TotalLiabilityAmt070046304
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0192553
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt038377
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/TotalCompensationFilingOrgAmt0230930
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION ENTERED INTO COLLATERAL SPLIT-DOLLAR LIFE INSURANCE AGREEMENTS FOR A KEY EMPLOYEE IN 2019.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt01320000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0FUND PURCHASE OF CASH VALUE LIFE INSURANCE POLICY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt01320000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0LINDA WHITE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0OFFICER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/TotalBalanceDueAmt01320000
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, 2019 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/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt078857046
IRS990/TotalAssetsEOYAmt078999908
IRS990/TotalAssetsGrp/BOYAmt078857046
IRS990/TotalAssetsGrp/EOYAmt078999908
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt016
IRS990/TotalFunctionalExpensesGrp/TotalAmt03128222
IRS990/TotalGrossUBIAmt047027

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Filings

Displayed year

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

Open filing
Assets
$78,999,908
Liabilities
$70,475,287
Net assets
$8,524,621
Revenue
$3,742,663
Expenses
$3,128,222
Net income
$614,441
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