Civic Intelligence

University & State Employees Credit Union

990 • Fiscal year 2014 • EIN 95-1209332

Jan 01, 2014 to Dec 31, 2014 • Filed on Aug 13, 2015

Organization ProfileWWW.USECU.ORG

View Organization Page

10120 Pacific Heights Blvd No 100San Diego, CA 92121

(858) 795-6100

Siviq Scores

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

Liabilities / Assets

65th percentile

0.90x

Higher debt load relative to assets than 65% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Liabilities / Revenue

68th percentile

20.19x

Higher debt load relative to revenue than 68% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Net Margin

81st percentile

22%

Higher net margin than 81% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Top Officer Pay

68th percentile

$453,308

Higher top officer pay than 68% of similar nonprofits.

Top officer pay equals 1.3% of source-year revenue.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Asset Growth

50th percentile

4.6%

Faster asset growth than 50% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Revenue Growth

56th percentile

2.8%

Faster revenue growth than 56% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets65th percentile

Assets

Up

$794,331,432

Up $34,779,624 (+4.6%) from 2013

Net Assets

Up

$77,336,296

Up $11,347,595 (+17%) from 2013

Liabilities

Up

$716,995,136

Up $23,432,029 (+3.4%) from 2013

Revenue And Expenses
Liabilities / Revenue68th percentileNet Margin81st percentile

Revenue

Up

$35,514,261

Up $966,325 (+2.8%) from 2013

Expenses

Up

$27,668,645

Up $1,108,840 (+4.2%) from 2013

Net Income

Down

$7,845,616

Down $142,515 (-1.8%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth50th percentile

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

$1.5B$1.0B$500M$0Assets 2010: $704,021,113Liabilities 2010: $660,471,738Net Assets 2010: $43,549,3752010Assets 2011: $729,878,186Liabilities 2011: $673,369,756Net Assets 2011: $56,508,4302011Assets 2012: $751,168,013Liabilities 2012: $687,050,711Net Assets 2012: $64,117,3022012Assets 2013: $759,551,808Liabilities 2013: $693,563,107Net Assets 2013: $65,988,7012013Assets 2014: $794,331,432Liabilities 2014: $716,995,136Net Assets 2014: $77,336,2962014Assets 2015: $832,475,061Liabilities 2015: $752,422,098Net Assets 2015: $80,052,9632015Assets 2016: $883,404,811Liabilities 2016: $799,023,884Net Assets 2016: $84,380,9272016Assets 2017: $932,910,812Liabilities 2017: $843,461,219Net Assets 2017: $89,449,5932017Assets 2018: $974,347,002Liabilities 2018: $880,682,560Net Assets 2018: $93,664,4422018Assets 2019: $1,023,696,051Liabilities 2019: $921,234,785Net Assets 2019: $102,461,2662019Assets 2020: $1,176,783,982Liabilities 2020: $1,071,119,565Net Assets 2020: $105,664,4172020Assets 2021: $1,264,438,336Liabilities 2021: $1,162,077,824Net Assets 2021: $102,360,5122021Assets 2022: $1,240,251,202Liabilities 2022: $1,162,663,505Net Assets 2022: $77,587,6972022Assets 2023: $1,472,619,773Liabilities 2023: $1,389,310,887Net Assets 2023: $83,308,8862023Assets 2024: $1,207,155,502Liabilities 2024: $1,130,756,299Net Assets 2024: $76,399,2032024

Highlighted filing

2014

Assets$794,331,432
Liabilities$716,995,136
Net Assets$77,336,296
Open 2014 Filing

Operations Trend

Revenue Growth56th percentile

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

$80M$60M$40M$20M$0-$20MExpenses 2010: $43,411,1212010Expenses 2011: $30,479,4422011Revenue 2012: $35,506,434Expenses 2012: $28,241,176Net Income 2012: $7,265,2582012Revenue 2013: $34,547,936Expenses 2013: $26,559,805Net Income 2013: $7,988,1312013Revenue 2014: $35,514,261Expenses 2014: $27,668,645Net Income 2014: $7,845,6162014Revenue 2015: $34,465,714Expenses 2015: $30,478,211Net Income 2015: $3,987,5032015Revenue 2016: $36,316,881Expenses 2016: $31,458,039Net Income 2016: $4,858,8422016Revenue 2017: $38,958,541Expenses 2017: $33,319,803Net Income 2017: $5,638,7382017Revenue 2018: $42,943,870Expenses 2018: $37,280,381Net Income 2018: $5,663,4892018Revenue 2019: $47,431,083Expenses 2019: $39,758,547Net Income 2019: $7,672,5362019Revenue 2020: $41,288,386Expenses 2020: $39,368,354Net Income 2020: $1,920,0322020Revenue 2021: $40,598,480Expenses 2021: $40,051,557Net Income 2021: $546,9232021Revenue 2022: $46,015,710Expenses 2022: $42,732,849Net Income 2022: $3,282,8612022Revenue 2023: $62,378,718Expenses 2023: $60,114,609Net Income 2023: $2,264,1092023Revenue 2024: $63,463,155Expenses 2024: $69,940,609Net Income 2024: -$6,477,4542024

Highlighted filing

2014

Revenue$35,514,261
Expenses$27,668,645
Net Income$7,845,616
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Aug 13, 2015
Return Version
2014v5.0
Gross Receipts
$102,167,817
Mission and Program Overview

Mission

We are a member owned, not-for-profit financial cooperative; we exist to serve - to enrich lives and build better futures.

To lead in service, quality and member-value as your trusted financial partner.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$444,520,423$467,523,614▲ $23,003,191
Investments Other Securities$182,086,899$191,014,939▲ $8,928,040
Rtn Earn Endowment Incm Other Fnds$65,988,701$77,336,296▲ $11,347,595
Cash and Non-Interest-Bearing Accounts$55,339,366$50,078,865▼ $5,260,501
Land, Buildings, and Equipment, Net$25,916,297$27,708,391▲ $1,792,094
Prepaid Expenses and Deferred Charges$1,040,016$848,720▼ $191,296
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$759,551,808$794,331,432▲ $34,779,624
Other Assets Total$50,648,807$57,156,903▲ $6,508,096
Liabilities
Other Liabilities$688,348,092$713,090,809▲ $24,742,717
Mortgage Notes Payable Secured by Investment Property$3,000,000$3,000,000→ $0
Escrow Account Liability$2,215,015$904,327▼ $1,310,688
Total Liabilities$693,563,107$716,995,136▲ $23,432,029
Net Assets / Fund Balance
Total Net Assets Fund Balance$65,988,701$77,336,296▲ $11,347,595
Total Liabilities and Net Assets / Fund Balance$759,551,808$794,331,432▲ $34,779,624

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$14,328,101$3,025,740$17,353,841
Equipment$3,942,880$12,455,400$16,398,280
Land$8,257,240-$8,257,240
Leasehold Improvements$1,180,170$2,593,960$3,774,130
Other Assets Org$3,870,134--
Other Securities$186,951,339--
Compensation and Service Providers
Top Officer Pay68th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
James HarrisPresident/CEOFT$360,836$92,498$453,334
Gary AhlgrenEvp/organizational ImprovementFT$276,486$78,753$355,239
Kenneth KramerSVP/CFO/treasurerFT$233,398$76,823$310,221
Stephen EwersCIOFT$212,001$61,489$273,490
Karen SmithVP LendingFT$161,482$22,869$184,351
Nicole AndersonVP MarketingFT$162,165$11,292$173,457
Nathaniel FrichtelVP Business TechnologyFT$143,059$21,526$164,585
Donald ColemanVP Real Estate ExperienceFT$129,254$21,183$150,437
Laura YoungSVP Human Resources/organization DevelopmentFT$133,165$6,380$139,545

Board Members and Trustees

NameTitle
Matt AdamsChair
Joshua LawrenceVice Chair
Arun SenDirector
David ElyDirector
John Richard ChantengcoDirector
John StevensonDirector
Les OvermanDirector
Steve St MarieDirector
Tony CherinDirector
Yvonne L MarshDirector
Lori TrofemukDirector (retired July 2014)

Highest Paid Contractors

ContractorServicesLocationCompensation
Digital InsightOnline Banking / Website Hosting Service1300 SEAPORT BOULEVARD SUITE 300, Redwood City, CA 94063$983,470
Corelation INCSoftware Provider2878 CAMINO DEL RIO SOUTH SUITE 41, San Diego, CA 92108$862,856
Vantiv Holding LLCCardholder Services8500 GOVERNORS HILL DRIVE, Symmes Township, OH 45249$522,856
Harvey INCConstruction Services9455 RIDGEHAVEN COURT SUITE 200, San Diego, CA 92123$501,825
FiservSoftware Provider255 FISERV DRIVE, Brookfield, CA 53045$474,585
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$28,746,760
Investment Income
$6,634,832
Other Revenue
$132,669
Change in Net Assets
$7,845,616

Audited Revenue Reconciliation

Revenue per Audited Statements
$36,319,801
Revenue Not Reported on Financial Statements
$-805,540
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-805,540
Total Revenue per Audited Statements
$36,319,801
Total Revenue per Form 990
$35,514,261
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$13,231,139
Salaries, Compensation, and Employee Benefits$12,555,908
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$9,105,169
Information Technology---$2,511,794
Benefits to Members---$1,881,598
Occupancy---$1,487,561
Current Officers, Directors, Trustees, and Key Employees---$1,392,283
Office Expenses---$1,353,035
Depreciation Depletion---$1,216,649
Other Employee Benefits---$986,581
Fees for Services Other---$927,991
Payroll Taxes---$842,065
All Other Expenses---$654,554
Other Expenses---$477,225
Advertising---$471,484
Fees for Services Accounting---$303,043
Pension Plan Contributions---$229,810
Interest---$156,470
Travel---$149,368
Insurance---$145,005
Fees for Services Legal---$100,070
Conferences and Meetings---$78,315
Total Functional Expenses$0$0$0$27,668,645

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$28,474,185
Total Expenses per Audited Statements$28,474,185
Total Expenses per Form 990$27,668,645
Expenses Not Reported on Form 990$0
Expenses Not Reported on Financial Statements$-805,540
Other Expense Adjustments$-805,540
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$7,300
Total Exempt Function Spending$7,300

Section 527 Organizations

OrganizationLocationAmount
94-2329967Sacramento, CA$3,800
74-3032876San Diego, CA$3,500
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$709,990,666
Other Liabilities$3,100,143
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union's members have rights to elect the members of the governing body. The credit union's members also receive a share of the organization's profits or excess dues in the form of cash dividends.”

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

“Members of the credit union have the right to elect one or more members of the organization's governing body, whether periodically, or as vacancies arise, or otherwise.”

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

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

Form 990, Part VI, Section B, Line 11

“The form 990 is reviewed by the credit union's ceo and cfo prior to filing with the irs.”

Form 990, Part VI, Section B, Line 12C

“Use credit union strives to meet all requirements outlined in the irs 1023 form concerning conflict of interest for non-profit organizations. This includes a written conflict of interest policy, a questionnaire for officers, directors, and key employees to disclose possible interests that may trigger a conflict, and annual training.”

Form 990, Part VI, Section B, Line 15

“The credit union utilizes compease, a software application linked to current salary survey data, to establish compensation levels for each credit union position. Compensation for officers and key employees is based upon compease evaluations, a candidate's salary history, and the salary judged necessary to attract qualified candidates based upon their skills and experience.”

Form 990, Part VI, Section C, Line 19

“Audited financial statements are provided to the membership at each annual meeting. Unaudited financial statements are posted monthly at each branch location for public viewing.”

Filing and Contact Details

Filer

Filer Name
University & State Employees Credit Union
EIN
95-1209332
Phone
8587956100
Address
10120 PACIFIC HEIGHTS BLVD NO 100, SAN DIEGO, CA 92121
Doing Business As
Use Credit Union

Signing Officer

Name
Kenneth Kramer
Title
SVP/CFO
Phone
8587956100
Signed
2015-08-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
James Harris
Formed
1936
Legal Domicile
CA
Voting Board Members
10
Independent Board Members
10
Employees
194
Volunteers
14

Preparer

Firm
Mcgladrey Llp
Address
801 NICOLLET MALL SUITE 1100, MINNEAPOLIS, MN 55402
Preparer
Gerald B Kissell
Phone
6123324300
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“The credit union maintains escrow accounts for mortgage loans held by members. The credit union also holds custodial accounts to facilitate the servicing of loans sold to entities such as fannie mae. At 12/31/2014 the escrow balance was $345,172 and the value of assets for which the credit union serves as custodian was $559,155.”

PART X, LINE 2:

“For the years ended december 31, 2014 and 2013, management determined that there are no material uncertain tax positions.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Rental expenses reclassed to revenue -805,540.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Rental expenses reclassed to revenue -805,540.”

Raw XML AppendixShowing 400 of 704 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.

Path#Value
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IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO LEAD IN SERVICE, QUALITY AND MEMBER-VALUE AS YOUR TRUSTED FINANCIAL PARTNER.
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IRS990/AllOtherExpensesGrp/TotalAmt0654554
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IRS990/Desc0MEMBERSHIP IN USE CREDIT UNION PROVIDES ACCESS TO A ROBUST ARRAY OF QUALITY FINANCIAL SERVICES AND PRODUCTS INCLUDING CHECKING AND SAVINGS ACCOUNTS. UNLIKE BANKS, WHICH RETURN THEIR PROFITS TO SHAREHOLDERS, USE CREDIT UNION RETURNS ITS PROFITS TO MEMBERS IN THE FORM OF HIGHER RATES ON DEPOSITS AND A HOST OF FREE AND LOW-COST SERVICES. AS OF DECEMBER 31, 2014, USE CREDIT UNION MEMBERS HELD 98,022 DEPOSIT ACCOUNTS TOTALING OVER $710 MILLION. THESE ACCOUNTS INCLUDED FREE CHECKING, LOW-BALANCE SAVINGS, IRA'S, AND HIGH-YIELD MONEY MARKET AND TERM INVESTMENT ACCOUNTS.
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IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1128781
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1235008
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1331103
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1433415
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt156568
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1618700
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1718404
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt186380
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1914599
IRS990/Form990PartVIISectionAGrp/PersonNm0MATT ADAMS
IRS990/Form990PartVIISectionAGrp/PersonNm1JOSHUA LAWRENCE
IRS990/Form990PartVIISectionAGrp/PersonNm2JOHN RICHARD CHANTENGCO
IRS990/Form990PartVIISectionAGrp/PersonNm3TONY CHERIN
IRS990/Form990PartVIISectionAGrp/PersonNm4DAVID ELY
IRS990/Form990PartVIISectionAGrp/PersonNm5LES OVERMAN
IRS990/Form990PartVIISectionAGrp/PersonNm6YVONNE L MARSH
IRS990/Form990PartVIISectionAGrp/PersonNm7ARUN SEN
IRS990/Form990PartVIISectionAGrp/PersonNm8STEVE ST MARIE
IRS990/Form990PartVIISectionAGrp/PersonNm9JOHN STEVENSON
IRS990/Form990PartVIISectionAGrp/PersonNm10LORI TROFEMUK
IRS990/Form990PartVIISectionAGrp/PersonNm11JAMES HARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm12KENNETH KRAMER
IRS990/Form990PartVIISectionAGrp/PersonNm13GARY AHLGREN
IRS990/Form990PartVIISectionAGrp/PersonNm14STEPHEN EWERS
IRS990/Form990PartVIISectionAGrp/PersonNm15NICOLE ANDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm16KAREN SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm17NATHANIEL FRICHTEL
IRS990/Form990PartVIISectionAGrp/PersonNm18LAURA YOUNG
IRS990/Form990PartVIISectionAGrp/PersonNm19DONALD COLEMAN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11424527
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12274431
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13324110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14240049
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15165603
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16165496
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17146156
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18133165
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19132515
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR (RETIRED JULY 2014)
IRS990/Form990PartVIISectionAGrp/TitleTxt11PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP/CFO/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt13EVP/ORGANIZATIONAL IMPROVEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt14CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP BUSINESS TECHNOLOGY
IRS990/Form990PartVIISectionAGrp/TitleTxt18SVP HUMAN RESOURCES/ORGANIZATION DEVELOPMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP REAL ESTATE EXPERIENCE
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01936
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt01038768
IRS990/GainOrLossGrp/SecuritiesAmt01012857
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt01218599
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt066681042
IRS990/GrossReceiptsAmt0102167817
IRS990/GrossRentsGrp/RealAmt0938209
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt013
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02511794
IRS990/InsuranceGrp/TotalAmt0145005
IRS990/InterestGrp/TotalAmt0156470
IRS990/InvestmentIncomeGrp/ExclusionAmt04583207
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04583207
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0182086899
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0191014939
IRS990/IRPDocumentCnt015046
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt018075100
IRS990/LandBldgEquipBasisNetGrp/BOYAmt025916297
IRS990/LandBldgEquipBasisNetGrp/EOYAmt027708391
IRS990/LandBldgEquipCostOrOtherBssAmt045783491
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0179831
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt065668185
IRS990/LessRentalExpensesGrp/RealAmt0805540
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE FINANCIAL SERVICES TO ALL WHO ARE ELIGIBLE FOR UNIVERSITY & STATE EMPLOYEES (USE) CREDIT UNION MEMBERSHIP.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt03000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt03000000
IRS990/NetAssetsOrFundBalancesBOYAmt065988701
IRS990/NetAssetsOrFundBalancesEOYAmt077336296
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt02051625
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt02051625
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0132669
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0132669
IRS990/NetUnrelatedBusTxblIncmAmt0-428674
IRS990/NetUnrlzdGainsLossesInvstAmt03501979
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01487561
IRS990/OfficeExpensesGrp/TotalAmt01353035
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt050648807
IRS990/OtherAssetsTotalGrp/EOYAmt057156903
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0986581
IRS990/OtherExpensesGrp/Desc0ATM EXPENSES
IRS990/OtherExpensesGrp/Desc1LOAN PROGRAM/SERVICING
IRS990/OtherExpensesGrp/Desc2CREDIT CARD PROGRAM COS
IRS990/OtherExpensesGrp/TotalAmt01665758
IRS990/OtherExpensesGrp/TotalAmt11532817
IRS990/OtherExpensesGrp/TotalAmt2477225
IRS990/OtherLiabilitiesGrp/BOYAmt0688348092
IRS990/OtherLiabilitiesGrp/EOYAmt0713090809
IRS990/OtherSalariesAndWagesGrp/TotalAmt09105169
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0444520423
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0467523614
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0842065
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0229810
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01040016
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0848720
IRS990/PrincipalOfficerNm0JAMES HARRIS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE CHARGES AND FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt021808519
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13675218
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22899911
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt021808519
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14038330
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22899911
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0363112
IRS990/ProgSrvcAccomActy2Grp/Desc0AS A MEMBER-OWNED, NOT-FOR-PROFIT COOPERATIVE, USE CREDIT UNION IS DEDICATED TO PROVIDING THE FINANCIAL PRODUCTS AND SERVICES MEMBERS NEED AT EVERY STAGE OF LIFE. WHETHER IT'S BUYING A FIRST CAR, FINANCING A NEW HOME, OR SEEKING A HIGHER EDUCATION, USE CREDIT UNION OFFERS MEMBERS LOW-COST HOME, VEHICLE, AND PERSONAL LOANS, AS WELL AS, FREE FINANCIAL SEMINARS TO ASSIST THEM IN MAKING SOUND FINANCIAL CHOICES. AS OF DECEMBER 31, 2014, USE CREDIT UNION MEMBERS HELD 35,533 MORTGAGE, HOME EQUITY, VEHICLE, CREDIT CARD, AND VARIOUS OTHER PERSONAL LOANS TOTALING OVER $476 MILLION.
IRS990/ProgSrvcAccomActy3Grp/Desc0SINCE 1936, USE CREDIT UNION HAS BEEN HELPING PEOPLE ACHIEVE THEIR MOST IMPORTANT FINANCIAL GOALS. AS ONE OF CALIFORNIA'S LARGEST CREDIT UNIONS, USE OFFERS FULL-SERVICE BANKING INCLUDING FREE AND LOW-COST E-SERVICES. MEMBERS CAN MANAGE THEIR PERSONAL FINANCES ANYTIME, ANYWHERE WITH TELEPHONE, ONLINE AND WIRELESS INTERNET BANKING. AS AN ADDITIONAL CONVENIENCE, USE OFFERS BILLPAY SERVICES TO MEMBERS WITH QUALIFYING CHECKING ACCOUNTS AT NO COST. APPROXIMATELY 6,300 MEMBERS UTILIZE THIS SERVICE EACH MONTH. IN ADDITION, USE CREDIT UNION HAS PARTNERED WITH OTHER CREDIT UNIONS TO FORM THE CO-OP ATM NETWORK. THIS NETWORK PROVIDES MEMBERS ACCESS TO APPROXIMATELY 30,000 NO-FEE ATM'S THROUGHOUT THE UNITED STATES AND CANADA, INCLUDING LOCATIONS AT POPULAR RETAILERS.
IRS990/ProgSrvcAccomActyOtherGrp/Desc0ADDITIONAL USE CREDIT UNION MEMBERSHIP BENEFITS INCLUDE: 1) PROFESSIONAL BROKERAGE AND INVESTMENT SERVICES; 2) PROFESSIONAL TAX PREPARATION SERVICES; 3) MONEY-SAVING AUTO, HOME, HEALTH, AND LIFE INSURANCE PROGRAMS; 4) FREE FINANCIAL EDUCATION SEMINARS; 5) MERCHANT, RECREATION, AND TRAVEL DISCOUNTS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt01997829
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt05643935
IRS990/PYOtherExpensesAmt012951146
IRS990/PYOtherRevenueAmt0508983
IRS990/PYProgramServiceRevenueAmt028395018
IRS990/PYRevenuesLessExpensesAmt07988131
IRS990/PYSalariesCompEmpBnftPaidAmt011610830
IRS990/PYTotalExpensesAmt026559805
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt034547936
IRS990/ReconcilationRevenueExpnssAmt07845616
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0132669
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt065988701
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt077336296
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt07300
IRS990ScheduleC/PoliticalExpendituresAmt07300
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0942329967
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN1743032876
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CALIFORNIA CREDIT UNION LEAGUE PAC
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt1SAN DIEGO CREDIT UNIONS' PAC
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt03800
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt13500
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt01201 K STREET SUITE 1050
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt19201 SPECTRUM CENTER BVD
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0SACRAMENTO
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm1SAN DIEGO

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$794,331,432
Liabilities
$716,995,136
Net assets
$77,336,296
Revenue
$35,514,261
Expenses
$27,668,645
Net income
$7,845,616
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,207$1,131$76.4$63.5$69.9$6.48
2023Detailed filing. Detailed filing data is available for this year.$1,473$1,389$83.3$62.4$60.1$2.26
2022Detailed filing. Detailed filing data is available for this year.$1,240$1,163$77.6$46.0$42.7$3.28
2021Detailed filing. Detailed filing data is available for this year.$1,264$1,162$102$40.6$40.1$0.55
2020Detailed filing. Detailed filing data is available for this year.$1,177$1,071$106$41.3$39.4$1.92
2019Detailed filing. Detailed filing data is available for this year.$1,024$921$102$47.4$39.8$7.67
2018Detailed filing. Detailed filing data is available for this year.$974$881$93.7$42.9$37.3$5.66
2017Detailed filing. Detailed filing data is available for this year.$933$843$89.4$39.0$33.3$5.64
2016Detailed filing. Detailed filing data is available for this year.$883$799$84.4$36.3$31.5$4.86
2015Detailed filing. Detailed filing data is available for this year.$832$752$80.1$34.5$30.5$3.99
2014Detailed filing. Detailed filing data is available for this year.$794$717$77.3$35.5$27.7$7.85
2013Detailed filing. Detailed filing data is available for this year.$760$694$66.0$34.5$26.6$7.99
2012Summary only. Only limited summary data is available for this year.$751$687$64.1$35.5$28.2$7.27
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$730$673$56.5$30.5
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$704$660$43.5$43.4