Liabilities / Assets
88th percentile
Higher debt load relative to assets than 88% of similar nonprofits.
Eagle Community Credit Union
990 • Fiscal year 2016 • EIN 95-1068549
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.92x
Liabilities / Revenue
71st percentile
Higher debt load relative to revenue than 71% of similar nonprofits.
Net Margin
54th percentile
Higher net margin than 54% of similar nonprofits.
Top Officer Pay
54th percentile
Higher top officer pay than 54% of similar nonprofits.
Top officer pay equals 2.0% of source-year revenue.
Asset Growth
60th percentile
Faster asset growth than 60% of similar nonprofits.
Revenue Growth
30th percentile
Faster revenue growth than 30% of similar nonprofits.
Balance Sheet
Assets
Up$234,427,566
Up $12,021,048 (+5.4%) from 2015
Net Assets
Up$18,786,376
Up $951,689 (+5.3%) from 2015
Liabilities
Up$215,641,190
Up $11,069,359 (+5.4%) from 2015
Revenue And Expenses
Revenue
Up$10,431,561
Up $266,597 (+2.6%) from 2015
Expenses
Up$9,261,266
Up $580,396 (+6.7%) from 2015
Net Income
Down$1,170,295
Down $313,799 (-21%) from 2015
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2016 to Dec 31, 2016
- Signed
- Nov 8, 2017
- Return Version
- 2016v3.0
- Gross Receipts
- $22,904,051
Mission and Program Overview
Mission
See schedule oeagle community credit union is a cooperative, organized for the purpose of promoting thrift and savings 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, eagle community credit union conducts its business for the mutual benefit and general welfare of its members 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
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments Program Related | $124,151,892 | $126,666,930 | ▲ $2,515,038 |
| Investments in Publicly Traded Securities | $65,247,519 | $82,341,374 | ▲ $17,093,855 |
| Rtn Earn Endowment Incm Other Fnds | $17,834,687 | $18,786,376 | ▲ $951,689 |
| Savings and Temporary Cash Investments | $25,983,996 | $16,069,230 | ▼ $9,914,766 |
| Land, Buildings, and Equipment, Net | $2,786,094 | $2,790,738 | ▲ $4,644 |
| Cash and Non-Interest-Bearing Accounts | $1,534,355 | $2,681,475 | ▲ $1,147,120 |
| Prepaid Expenses and Deferred Charges | $377,541 | $465,538 | ▲ $87,997 |
| Receivables From Officers Etc | - | $18,763 | - |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $222,406,518 | $234,427,566 | ▲ $12,021,048 |
| Other Assets Total | $2,325,121 | $3,393,518 | ▲ $1,068,397 |
| Liabilities | |||
| Other Liabilities | $201,913,442 | $210,496,879 | ▲ $8,583,437 |
| Accounts Payable and Accrued Expenses | $2,658,389 | $5,144,311 | ▲ $2,485,922 |
| Total Liabilities | $204,571,831 | $215,641,190 | ▲ $11,069,359 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $17,834,687 | $18,786,376 | ▲ $951,689 |
| Total Liabilities and Net Assets / Fund Balance | $222,406,518 | $234,427,566 | ▲ $12,021,048 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $426,826 | $4,535,200 | $4,962,026 |
| Leasehold Improvements | $327,861 | $1,598,100 | $1,925,961 |
| Land | $1,792,400 | - | $1,792,400 |
| Buildings | $243,651 | $1,108,313 | $1,351,964 |
| Investment Program Related Org | $4,572,644 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Andrew Scott Rains | CEO | FT | $186,455 | $21,672 | $208,127 |
| Mary Roberts | CFO | FT | $120,942 | $7,307 | $128,249 |
| Carol Rosas | VP Operations | FT | $106,816 | $12,647 | $119,463 |
Board Members and Trustees
| Name | Title |
|---|---|
| Charles Morris | Board Chairman |
| Justin Romero | Supv Cmte Chairperson |
| Duane Anderson | Board Vice-chairman |
| Diane Leinweber | Board Member |
| Jackie Deter | Board Member |
| Neil Mills-mazer | Board Member |
| Louis Flores | Board Secretary |
| Miles Friedman | Board Treasurer |
| Brenda Anderson | Supv Cmte Member |
| Rob Jeffrey | Supv Cmte Member |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $8,364,931
- Investment Income
- $1,797,353
- Other Revenue
- $269,277
- Change in Net Assets
- $1,170,295
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $4,665,723 |
| Salaries, Compensation, and Employee Benefits | $4,592,628 |
| Grants and Similar Amounts Paid | $2,915 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $3,232,079 |
| Office Expenses | - | - | - | $1,563,196 |
| Other Employee Benefits | - | - | - | $827,365 |
| Interest | - | - | - | $532,045 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $424,928 |
| Occupancy | - | - | - | $380,826 |
| Depreciation Depletion | - | - | - | $301,323 |
| Advertising | - | - | - | $267,295 |
| Information Technology | - | - | - | $211,938 |
| Pension Plan Contributions | - | - | - | $108,256 |
| Travel | - | - | - | $101,861 |
| Fees for Services Other | - | - | - | $68,708 |
| Fees for Services Legal | - | - | - | $44,011 |
| Fees for Services Accounting | - | - | - | $42,480 |
| Other Expenses | - | - | - | $23,520 |
| Grants to Domestic Orgs | - | - | - | $2,915 |
| Total Functional Expenses | $0 | $0 | $0 | $9,261,266 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Insider Transactions and Loans
Interested-Person Transactions
| Interested Party | Relationship | Description | Shared Revenue | Amount |
|---|---|---|---|---|
| Carol Rosas | Hce | Joint Investment in a Cash Value Life Insurance Policy to Provide Reasonable Retirement Income for the Interested Person and Return Investment and Interest to the Organization. | No | $102,415 |
| Andrew Scott Rains | Officer | Joint Investment in a Cash Value Life Insurance Policy to Provide Reasonable Retirement Income for the Interested Person and Return Investment and Interest to the Organization. | No | $80,859 |
Loans and Receivables
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | - | $18,763 | - |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Regular Shares | $65,312,386 |
| Money Market Shares | $52,370,331 |
| Share Drafts | $44,149,248 |
| Share Certificates | $31,752,855 |
| Ira/keogh Accounts | $16,912,059 |
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
- Yes
- 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, Section A, Line 6
“Eagle community 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. Eagle community credit union does not have stockholders.”
Form 990, Part VI, Section A, Line 7A
“The governing board of eagle community 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
“Form 990 review process: the return preparer e-mails a draft of the form 990 to the organization's auditor who then forwards the draft to a designated board member(s) and/or ceo for review. Both the auditor and 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 the organization's ceo or other designated individual(s).”
Form 990, Part VI, Section B, Line 15
“Compensation review & approval process for ceo, exec. Dir., or top mgmt: the organization uses salary surveys and annual reviews. Form 990, part vi, line 15b: compensation review & approval process for officers & key employees: the organization uses salary survey and annual reviews.”
Form 990, Part VI, Section C, Line 19
“Other organization documents publicly available: governing documents are posted in the lobby and copies are available upon request.”
Filing and Contact Details
Filer
- Filer Name
- Eagle Community Credit Union
- EIN
- 95-1068549
- Phone
- 9495889400
- Address
- 23021 LAKE CENTER DRIVE, LAKE FOREST, CA 92630
Signing Officer
- Name
- Mary Roberts
- Title
- CFO
- Phone
- 9496397836
- Signed
- 2017-11-08
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Scott Rains
- Formed
- 1937
- Legal Domicile
- CA
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 89
- Volunteers
- 10
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.”
Financial Statement Notes
PART X, LINE 2:
“Fasb asc topic 740, income taxes, provides guidance for how uncertain tax positions should be recognized, measured, disclosed and presented in the financial statements. This requires the evaluation of tax positions taken or expected to be taken in the course of preparing the credit union's tax returns to determine whether the tax positions are more likely than not of being sustained "when challenged or "when examined" by the applicable tax authority. Tax positions not deemed to meet the more-likely-than-not threshold would be recorded as a tax expense and liability in the current year. For the years ended september 30, 2016 and 2015, management has determined that there are no material uncertain tax positions.”
Raw XML AppendixShowing 400 of 472 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/ActivityOrMissionDesc | 0 | A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 267295 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
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| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 9496397836 |
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| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | LAKE FOREST |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | CA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 92630 |
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| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 1 |
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| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
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| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 2681475 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
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| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
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| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
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| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 2915 |
| IRS990/CYInvestmentIncomeAmt | 0 | 1797353 |
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| IRS990/CYOtherRevenueAmt | 0 | 269277 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 8364931 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 1170295 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 4592628 |
| IRS990/CYTotalExpensesAmt | 0 | 9261266 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 10431561 |
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| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 301323 |
| IRS990/Desc | 0 | PROVIDED DEPOSIT AND LOAN ACCOUNTS TO 18,177 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/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
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| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 89 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
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| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 44011 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 68708 |
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| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
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| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 2.00 |
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| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 40.00 |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | ROB JEFFREY |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | BOARD VICE-CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | BOARD TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | BOARD SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | SUPV CMTE CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | SUPV CMTE MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | SUPV CMTE MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | VP OPERATIONS |
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| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1937 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
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| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 193198 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 2915 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
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| IRS990/GrossReceiptsAmt | 0 | 22904051 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
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| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 3 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 211938 |
| IRS990/InterestGrp/TotalAmt | 0 | 532045 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1604155 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1604155 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 124151892 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 126666930 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 65247519 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 82341374 |
| IRS990/IRPDocumentCnt | 0 | 4851 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
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| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 2786094 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 2790738 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 10032351 |
| IRS990/LegalDomicileStateCd | 0 | CA |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 12472490 |
| IRS990/LoanOutstandingInd | 0 | 1 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | SEE SCHEDULE OEAGLE COMMUNITY CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS 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, EAGLE COMMUNITY CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. |
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| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
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| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 18786376 |
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| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 193198 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -3902 |
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| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 1563196 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
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| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 3393518 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 827365 |
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| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN & LE |
| IRS990/OtherExpensesGrp/Desc | 2 | MISC. OPERATING EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 3 | OPERATING FEES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 465540 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 401000 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 261980 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 23520 |
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| IRS990/PartialLiquidationInd | 0 | 0 |
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| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 108256 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 377541 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 465538 |
| IRS990/PrincipalOfficerNm | 0 | SCOTT RAINS |
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| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OTHER OPERATING INCOME |
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| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 2018319 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 838082 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 24169 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 1625 |
| IRS990/PYInvestmentIncomeAmt | 0 | 1485326 |
| IRS990/PYOtherExpensesAmt | 0 | 4292645 |
| IRS990/PYOtherRevenueAmt | 0 | 181572 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 8498066 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1484094 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 4386600 |
| IRS990/PYTotalExpensesAmt | 0 | 8680870 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 10164964 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 18763 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1170295 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 0 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 1 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 17834687 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 18786376 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 25983996 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 16069230 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 243651 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1108313 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1351964 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 426826 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 4535200 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 4962026 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 120087894 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 2006392 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 2 | 4572644 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | NET LOANS & LEASES |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 2 | ALL OTHER INVESTMENTS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | F |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 2 | F |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 1792400 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 1792400 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 327861 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 1598100 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 1925961 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 16912059 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 52370331 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 65312386 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 31752855 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 44149248 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | IRA/KEOGH ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | MONEY MARKET SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | REGULAR SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | SHARE CERTIFICATES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | SHARE DRAFTS |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | FASB ASC TOPIC 740, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE MORE LIKELY THAN NOT OF BEING SUSTAINED "WHEN CHALLENGED OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS NOT DEEMED TO MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEARS ENDED SEPTEMBER 30, 2016 AND 2015, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 2790738 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 126666930 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 210496879 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 186455 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 9132 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 1825 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 10715 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | ANDREW SCOTT RAINS |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 208127 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION HAS A NON-EQUITY SPLIT-DOLLAR INSURANCE AGREEMENT FOR CERTAIN KEY MANAGEMENT EMPLOYEES. THE PLAN PROVIDES CERTAIN DEATH BENEFITS TO BENEFICIARIES OF EXECUTIVE EMPLOYEES IN AN AMOUNT EQUAL TO FOUR TIMES THE EMPLOYEE'S ANNUAL BASE SALARY AT THE DATE OF DEATH, EXCEPT FOR ONE EXECUTIVE FOR WHICH THE DEATH BENEFIT TO BENEFICIARIES IS AN AMOUNT EQUAL TO THE GREATER OF (A) FOUR TIMES THE EMPLOYEE'S ANNUAL BASE SALARY AT THE DATE OF DEATH OR (B) THE ACCRUED RETIREMENT BENEFIT AS DEFINED IN THE CREDIT UNION'S SERP ARRANGEMENT. IN CONNECTION WITH THIS, THE CREDIT UNION HAS EXISTING CORPORATE-OWNED LIFE INSURANCE POLICIES WITH THE JOHN HANCOCK LIFE INSURANCE COMPANY AND PACIFIC LIFE INSURANCE COMPANY ON THE LIVES OF PARTICIPATING EMPLOYEES, WITH TOTAL CASH SURRENDER VALUE OF APPROXIMATELY $3,054,000 AND $6,828,000 AS OF SEPTEMBER 30, 2016 AND 2015, RESPECTIVELY, WHICH IS INCLUDED IN OTHER ASSETS ON THE STATEMENTS OF FINANCIAL CONDITION. THE FOLLOWING KEY EMPLOYEES ARE COVERED UNDER THE SPLIT-DOLLAR INSURANCE AGREEMENT: ANDREW SCOTT RAINS, ERICA BEACH, CAROL ROSAS, AND ROBIN WIESSNER. |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 8925 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990ScheduleJ/WrittenEmploymentContractInd | 0 | X |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm | 0 | ANDREW SCOTT RAINS |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm | 1 | CAROL ROSAS |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt | 0 | OFFICER |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt | 1 | HCE |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 0 | 0 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 1 | 0 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt | 0 | 80859 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt | 1 | 102415 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc | 0 | JOINT INVESTMENT IN A CASH VALUE LIFE INSURANCE POLICY TO PROVIDE REASONABLE RETIREMENT INCOME FOR THE INTERESTED PERSON AND RETURN INVESTMENT AND INTEREST TO THE ORGANIZATION. |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc | 1 | JOINT INVESTMENT IN A CASH VALUE LIFE INSURANCE POLICY TO PROVIDE REASONABLE RETIREMENT INCOME FOR THE INTERESTED PERSON AND RETURN INVESTMENT AND INTEREST TO THE ORGANIZATION. |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 18763 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | AUTO LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 20490 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | ANDREW SCOTT RAINS |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | OFFICER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | 1 |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 18763 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | EAGLE COMMUNITY 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. EAGLE COMMUNITY CREDIT UNION DOES NOT HAVE STOCKHOLDERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE GOVERNING BOARD OF EAGLE COMMUNITY 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/ExplanationTxt | 2 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | FORM 990 REVIEW PROCESS: THE RETURN PREPARER E-MAILS A DRAFT OF THE FORM 990 TO THE ORGANIZATION'S AUDITOR WHO THEN FORWARDS THE DRAFT TO A DESIGNATED BOARD MEMBER(S) AND/OR CEO FOR REVIEW. BOTH THE AUDITOR AND 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 THE ORGANIZATION'S CEO OR OTHER DESIGNATED INDIVIDUAL(S). |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | COMPENSATION REVIEW & APPROVAL PROCESS FOR CEO, EXEC. DIR., OR TOP MGMT: THE ORGANIZATION USES SALARY SURVEYS AND ANNUAL REVIEWS. FORM 990, PART VI, LINE 15B: COMPENSATION REVIEW & APPROVAL PROCESS FOR OFFICERS & KEY EMPLOYEES: THE ORGANIZATION USES SALARY SURVEY AND ANNUAL REVIEWS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | OTHER ORGANIZATION DOCUMENTS PUBLICLY AVAILABLE: GOVERNING DOCUMENTS ARE POSTED IN THE LOBBY AND COPIES ARE AVAILABLE UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART XII, LINE 2C: |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | CA |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2016 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $234,427,566
- Liabilities
- $215,641,190
- Net assets
- $18,786,376
- Revenue
- $10,431,561
- Expenses
- $9,261,266
- Net income
- $1,170,295