Civic Intelligence

San Gabriel Valley Postal Credit Union

EIN 95-1186795 • 501(c)14 • Covina, CA

View Organization Page

Profile

San Gabriel Valley Postal Credit Union is a non profit financial cooperative that provides services for their members including savings and loans. The mission of the credit union is to charge the least in loans and pay the most for deposits to its members.

PO Box 4337Covina, CA 91723

www.sgvpcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

62nd percentile

0.88x

Higher debt load relative to assets than 62% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

53rd percentile

16.09x

Higher debt load relative to revenue than 53% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

70th percentile

15%

Higher net margin than 70% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

83rd percentile

$116,695

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 10.0% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

87th percentile

7.8%

Faster asset growth than 87% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

16th percentile

-3.8%

Faster revenue growth than 16% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Up

$21,488,673

Up $1,560,234 (+7.8%) from 2014

Liabilities

Up

$18,825,240

Up $1,382,234 (+7.9%) from 2014

Net Assets

Up

$2,663,433

Up $178,000 (+7.2%) from 2014

Operations
Liabilities / Revenue53rd percentileNet Margin70th percentile

Revenue

Down

$1,169,765

Down $46,040 (-3.8%) from 2014

Expenses

Up

$991,765

Up $85,663 (+9.5%) from 2014

Net Income

Down

$178,000

Down $131,703 (-43%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth87th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0Assets 2010: $14,931,156Liabilities 2010: $13,489,805Net Assets 2010: $1,441,3512010Assets 2012: $16,855,711Liabilities 2012: $15,140,207Net Assets 2012: $1,715,5042012Assets 2013: $18,104,711Liabilities 2013: $15,928,980Net Assets 2013: $2,175,7292013Assets 2014: $19,928,439Liabilities 2014: $17,443,006Net Assets 2014: $2,485,4332014Assets 2015: $21,488,673Liabilities 2015: $18,825,240Net Assets 2015: $2,663,4332015

Highlighted filing

2015

Assets$21,488,673
Liabilities$18,825,240
Net Assets$2,663,433
Open 2015 Filing

Operations Trend

Revenue Growth16th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0Expenses 2010: $723,2922010Revenue 2012: $976,015Expenses 2012: $718,651Net Income 2012: $257,3642012Revenue 2013: $1,168,819Expenses 2013: $708,594Net Income 2013: $460,2252013Revenue 2014: $1,215,805Expenses 2014: $906,102Net Income 2014: $309,7032014Revenue 2015: $1,169,765Expenses 2015: $991,765Net Income 2015: $178,0002015

Highlighted filing

2015

Revenue$1,169,765
Expenses$991,765
Net Income$178,000
Open 2015 Filing

Filings

Most recent year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$21,488,673
Liabilities
$18,825,240
Net assets
$2,663,433
Revenue
$1,169,765
Expenses
$991,765
Net income
$178,000
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$21.5$18.8$2.66$1.17$0.99$0.18
2014Detailed filing. Detailed filing data is available for this year.$19.9$17.4$2.49$1.22$0.91$0.31
2013Summary only. Only limited summary data is available for this year.$18.1$15.9$2.18$1.17$0.71$0.46
2012Summary only. Only limited summary data is available for this year.$16.9$15.1$1.72$0.98$0.72$0.26
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.9$13.5$1.44$0.72
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jul 5, 2016
Return Version
2015v2.0
Gross Receipts
$1,169,765
Mission and Program Overview

Mission

San Gabriel Valley Postal Credit Union is a non profit financial cooperative that provides services for their members including savings and loans. The mission of the credit union is to charge the least in loans and pay the most for deposits to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$5,930,147$9,113,157▲ $3,183,010
Other Notes and Loans Receivable, Net$10,565,590$8,546,241▼ $2,019,349
Savings and Temporary Cash Investments$2,514,341$2,941,053▲ $426,712
Rtn Earn Endowment Incm Other Fnds$2,485,433$2,663,433▲ $178,000
Land, Buildings, and Equipment, Net$231,469$220,879▼ $10,590
Cash and Non-Interest-Bearing Accounts$193,297$159,659▼ $33,638
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$19,928,439$21,488,673▲ $1,560,234
Other Assets Total$493,595$507,684▲ $14,089
Liabilities
Other Liabilities$17,416,231$18,804,424▲ $1,388,193
Accounts Payable and Accrued Expenses$26,775$20,816▼ $5,959
Total Liabilities$17,443,006$18,825,240▲ $1,382,234
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,485,433$2,663,433▲ $178,000
Total Liabilities and Net Assets / Fund Balance$19,928,439$21,488,673▲ $1,560,234

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$102,077$235,900$337,977
Equipment$5,480$195,989$201,469
Land$113,322-$113,322
Leasehold Improvements-$65,879$65,879
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
John MeeksPresident & CEOFT$116,695$116,695

Board Members and Trustees

NameTitle
Dave MilesChairman
Lani CassidyVice Chair
Bob TooneyDirector
Scott PiersonDirector
Hugh LedfordSupervisory COM
Patricia SullivanSupervisory COM
Michelle GlushTreas/Sec
Katsu DurstVP & Controller
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$953,933
Investment Income
$94,484
Other Revenue
$121,348
Change in Net Assets
$178,000
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$547,254
Salaries, Compensation, and Employee Benefits$407,781
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$291,086
Office Expenses---$205,866
Current Officers, Directors, Trustees, and Key Employees---$116,695
Benefits to Members---$36,730
Occupancy---$27,749
Fees for Services Other---$21,619
Advertising---$9,513
Travel---$6,188
Other Expenses---$479
Total Functional Expenses$0$0$0$991,765
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$14,877,039
Share Drafts$3,295,042
IRA/KEOGH Accounts$632,342
Rounding$1
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“Credit Union has members within the field of membership approved by the Credit Union governing documents.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“The return preparer e-mails a draft of the form 990 to a designated officer and/or ceo of the credit union for review. The designated officer and/or ceo sends a copy to the board of director (s). The designated individual(s) review the draft and present any questions, comments, or corrections to the return preparer. Upon satisfactory completion of the form 990, the organization's authorized individual signs the appropriate signature form(s) to authorize the electronic filing of the return. A copy of the form 990, as filed, is provided by the return preparer to theorganization's ceo or other designated individual(s).”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“Comparable compensation data is somewhat used to determine compensation for the CEO, officers, and key employees.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“All compensation and annual increases for the CEO and key employees of the Credit Union are determined by the Board of Directors.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Governing documents are available upon request. Certain documents are presented at the annual meeting, displayed in the Credit Union and accessible at the NCUA website.”

Filing and Contact Details

Filer

Filer Name
San Gabriel Valley Postal Credit Union
EIN
95-1186795
Phone
6269153841
Address
PO Box 4337, Covina, CA 91723

Signing Officer

Name
Katsu Durst
Title
VP & Controller
Signed
2016-07-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Katsu Durst
Formed
1932
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
7
Volunteers
10

Preparer

Firm
Richards & Associates
Address
21520 YORBA LINDA BLVD G-516, YORBA LINDA, CA 92887
Preparer
Michael Richards
Phone
8775720473
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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0Katsu Durst
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0953933
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0953933
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt034764
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt061414
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0543136
IRS990/PYOtherRevenueAmt0128061
IRS990/PYProgramServiceRevenueAmt01026330
IRS990/PYRevenuesLessExpensesAmt0309703
IRS990/PYSalariesCompEmpBnftPaidAmt0328202
IRS990/PYTotalExpensesAmt0906102
IRS990/PYTotalRevenueAmt01215805
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0178000
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RevenueAmt01169765
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02485433
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02663433
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02514341
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02941053
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0102077
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0235900
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0337977
IRS990ScheduleD/EquipmentGrp/BookValueAmt05480
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0195989
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0201469
IRS990ScheduleD/LandGrp/BookValueAmt0113322
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0113322
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt065879
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt065879
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0632342
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt114877039
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt21
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt33295042
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0IRA/KEOGH Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Regular Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Rounding
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Share Drafts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0220879
IRS990ScheduleD/TotalBookValueProgramRltdAmt09113157
IRS990ScheduleD/TotalLiabilityAmt018804424
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Credit Union has members within the field of membership approved by the Credit Union governing documents.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE RETURN PREPARER E-MAILS A DRAFT OF THE FORM 990 TO A DESIGNATED OFFICER AND/OR CEO OF THE CREDIT UNION FOR REVIEW. THE DESIGNATED OFFICER AND/OR CEO SENDS A COPY TO THE BOARD OF DIRECTOR (S). THE DESIGNATED INDIVIDUAL(S) REVIEW THE DRAFT AND PRESENT ANY QUESTIONS, COMMENTS, OR CORRECTIONS TO THE RETURN PREPARER. UPON SATISFACTORY COMPLETION OF THE FORM 990, THE ORGANIZATION'S AUTHORIZED INDIVIDUAL SIGNS THE APPROPRIATE SIGNATURE FORM(S) TO AUTHORIZE THE ELECTRONIC FILING OF THE RETURN. A COPY OF THE FORM 990, AS FILED, IS PROVIDED BY THE RETURN PREPARER TO THEORGANIZATION'S CEO OR OTHER DESIGNATED INDIVIDUAL(S).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Comparable compensation data is somewhat used to determine compensation for the CEO, officers, and key employees.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3All compensation and annual increases for the CEO and key employees of the Credit Union are determined by the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Governing documents are available upon request. Certain documents are presented at the annual meeting, displayed in the Credit Union and accessible at the NCUA website.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt019928439
IRS990/TotalAssetsEOYAmt021488673
IRS990/TotalAssetsGrp/BOYAmt019928439
IRS990/TotalAssetsGrp/EOYAmt021488673
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0991765
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt017443006
IRS990/TotalLiabilitiesEOYAmt018825240
IRS990/TotalLiabilitiesGrp/BOYAmt017443006
IRS990/TotalLiabilitiesGrp/EOYAmt018825240
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02485433
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02663433
IRS990/TotalProgramServiceExpensesAmt0991765
IRS990/TotalProgramServiceRevenueAmt0953933
IRS990/TotalReportableCompFromOrgAmt0116695
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01169765
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01169765
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt019928439
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt021488673
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt06188
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt08101 E Kaiser Blvd Fl 3
IRS990/USAddress/CityNm0Anaheim
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd092808
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.sgvpcu.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Katsu Durst
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0VP & Controller
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-07-05
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0San Gabriel Valley Postal Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0SANG
ReturnHeader/Filer/EIN0951186795
ReturnHeader/Filer/PhoneNum06269153841
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 4337
ReturnHeader/Filer/USAddress/CityNm0Covina
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd091723
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0RICHARDS & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt021520 YORBA LINDA BLVD G-516
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0YORBA LINDA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd092887
ReturnHeader/PreparerPersonGrp/PhoneNum08775720473
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Michael Richards
ReturnHeader/ReturnTs02016-07-05T12:32:32-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

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