Civic Intelligence

University & State Employees Credit Union

990 • Fiscal year 2015 • EIN 95-1209332

Jan 01, 2015 to Dec 31, 2015 • Filed on Sep 02, 2016

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

67th percentile

0.90x

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

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

77th percentile

21.83x

Higher debt load relative to revenue than 77% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

38th percentile

12%

Higher net margin than 38% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

67th percentile

$475,613

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

39th percentile

4.8%

Faster asset growth than 39% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

8th percentile

-3.0%

Faster revenue growth than 8% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets67th percentile

Assets

Up

$832,475,061

Up $38,143,629 (+4.8%) from 2014

Net Assets

Up

$80,052,963

Up $2,716,667 (+3.5%) from 2014

Liabilities

Up

$752,422,098

Up $35,426,962 (+4.9%) from 2014

Revenue And Expenses
Liabilities / Revenue77th percentileNet Margin38th percentile

Revenue

Down

$34,465,714

Down $1,048,547 (-3.0%) from 2014

Expenses

Up

$30,478,211

Up $2,809,566 (+10%) from 2014

Net Income

Down

$3,987,503

Down $3,858,113 (-49%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth39th 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

2015

Assets$832,475,061
Liabilities$752,422,098
Net Assets$80,052,963
Open 2015 Filing

Operations Trend

Revenue Growth8th 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

2015

Revenue$34,465,714
Expenses$30,478,211
Net Income$3,987,503
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Sep 2, 2016
Return Version
2015v2.1
Gross Receipts
$115,359,808
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$467,523,614$508,222,672▲ $40,699,058
Investments Other Securities$191,014,939$198,819,841▲ $7,804,902
Rtn Earn Endowment Incm Other Fnds$77,336,296$80,052,963▲ $2,716,667
Cash and Non-Interest-Bearing Accounts$50,078,865$36,402,112▼ $13,676,753
Land, Buildings, and Equipment, Net$27,708,391$29,159,187▲ $1,450,796
Prepaid Expenses and Deferred Charges$848,720$1,310,450▲ $461,730
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$794,331,432$832,475,061▲ $38,143,629
Other Assets Total$57,156,903$58,560,799▲ $1,403,896
Liabilities
Other Liabilities$713,090,809$746,602,691▲ $33,511,882
Mortgage Notes Payable Secured by Investment Property$3,000,000$5,000,000▲ $2,000,000
Escrow Account Liability$904,327$819,407▼ $84,920
Total Liabilities$716,995,136$752,422,098▲ $35,426,962
Net Assets / Fund Balance
Total Net Assets Fund Balance$77,336,296$80,052,963▲ $2,716,667
Total Liabilities and Net Assets / Fund Balance$794,331,432$832,475,061▲ $38,143,629

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$13,951,325$3,914,671$17,865,996
Equipment$6,088,603$5,782,616$11,871,219
Land$8,257,243-$8,257,243
Leasehold Improvements$862,016$2,872,765$3,734,781
Other Assets Org$7,579,893--
Other Securities$4,151,900--
Compensation and Service Providers
Top Officer Pay67th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
James HarrisPresident/CEOFT$370,563$105,076$475,639
Kenneth KramerSVP/CFO/treasurerFT$239,622$83,955$323,577
Gary AhlgrenEvp/organizational ImprovementFT$275,986$40,996$316,982
Stephen EwersCIOFT$218,682$88,949$307,631
Laura YoungSVP/hr & Organizational DevelopmentFT$204,819$43,891$248,710
Karen SmithVP LendingFT$159,786$40,731$200,517
Billie Jo CardenasVP Retail DeliveryFT$149,351$46,450$195,801
Nathaniel FrichtelVP Business TechnologyFT$142,428$48,805$191,233
Nicole AndersonVP MarketingFT$166,901$19,100$186,001
Richard MatthewsAvp Software EngineeringFT$141,161$28,386$169,547

Board Members and Trustees

NameTitle
Joshua LawrenceChair
Les OvermanVice Chair
Arun SenDirector
Beverly RandezDirector
David ElyDirector
John Richard ChantengcoDirector
Matt AdamsDirector
Scot EinsendrathDirector
Steve St MarieDirector
Tony CherinDirector
Yvonne L MarshDirector
John StevensonDirector (retired May 2015)

Highest Paid Contractors

ContractorServicesLocationCompensation
Vantiv Holding LLCCardholder Services8500 GOVERNORS HILL DRIVE, Symmes Township, OH 45249$1,328,213
Digital InsightOnline Banking / Website Hosting Service1300 SEAPORT BOULEVARD SUITE 300, Redwood City, CA 94063$1,196,927
Backbase USA INCConsulting/ Technology Services19050 BAY STREET UNIT 97, El Verano, CA 95433$676,261
FiservSoftware Provider255 FISERV DRIVE, Brookfield, WI 53045$478,679
Corelation INCSoftware Provider2878 CAMINO DEL RIO SOUTH SUITE 41, San Diego, CA 92108$394,776
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$28,486,935
Investment Income
$5,898,699
Other Revenue
$80,080
Change in Net Assets
$3,987,503

Audited Revenue Reconciliation

Revenue per Audited Statements
$35,002,544
Revenue Not Reported on Financial Statements
$-536,830
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-536,830
Total Revenue per Audited Statements
$35,002,544
Total Revenue per Form 990
$34,465,714
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$14,964,686
Salaries, Compensation, and Employee Benefits$13,752,530
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$9,780,445
Information Technology---$2,474,786
Benefits to Members---$1,760,995
Depreciation Depletion---$1,755,702
Office Expenses---$1,733,467
Occupancy---$1,682,069
Current Officers, Directors, Trustees, and Key Employees---$1,672,540
All Other Expenses---$1,095,902
Other Employee Benefits---$986,357
Payroll Taxes---$918,340
Advertising---$661,920
Other Expenses---$475,730
Pension Plan Contributions---$394,848
Fees for Services Other---$277,311
Fees for Services Accounting---$201,048
Interest---$189,418
Insurance---$129,700
Conferences and Meetings---$128,731
Travel---$127,086
Fees for Services Legal---$62,799
Total Functional Expenses$0$0$0$30,478,211

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$31,015,040
Total Expenses per Audited Statements$31,015,040
Total Expenses per Form 990$30,478,210
Expenses Not Reported on Form 990$0
Expenses Not Reported on Financial Statements$-536,830
Other Expense Adjustments$-536,830
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$5,500
Total Exempt Function Spending$5,500

Section 527 Organizations

OrganizationLocationAmount
94-2329967Sacramento, CA$4,500
74-3032876San Diego, CA$1,000
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$737,554,469
Other Liabilities$9,048,222
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
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
2016-09-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
James Harris
Formed
1936
Legal Domicile
CA
Voting Board Members
11
Independent Board Members
11
Employees
188
Volunteers
16

Preparer

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

Additional Explanations

FORM 990, PART XI, LINE 9:

“Reclass adjustment for afs investments with u/r gains -46,904. Net change in u/r gains on afs investments -1,223,933.”

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 12/31/2015 the escrow balance was $819,924 and the value of assets for which the credit union serves as custodian was $11,483.”

PART X, LINE 2:

“For the years ended december 31, 2015 and 2014, management determined that there are no material uncertain tax positions.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Rental expenses reclassed to revenue -536,830.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Rental expenses reclassed to revenue -536,830.”

Raw XML AppendixShowing 400 of 755 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
IRS990/AccountantCompileOrReviewInd00
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO LEAD IN SERVICE, QUALITY AND MEMBER-VALUE AS YOUR TRUSTED FINANCIAL PARTNER.
IRS990/AdvertisingGrp/TotalAmt0661920
IRS990/AllOtherExpensesGrp/TotalAmt01095902
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt01760995
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0LISA CHAN VPFINANCE
IRS990/BooksInCareOfDetail/PhoneNum08587956111
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt010120 PACIFIC HEIGHTS BLVD NO 100
IRS990/BooksInCareOfDetail/USAddress/CityNm0SAN DIEGO
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd092121
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt050078865
IRS990/CashNonInterestBearingGrp/EOYAmt036402112
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt019
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01672540
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt0128731
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd01
IRS990/ContractorCompensationGrp/CompensationAmt01328213
IRS990/ContractorCompensationGrp/CompensationAmt11196927
IRS990/ContractorCompensationGrp/CompensationAmt2676261
IRS990/ContractorCompensationGrp/CompensationAmt3478679
IRS990/ContractorCompensationGrp/CompensationAmt4394776
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt08500 GOVERNORS HILL DRIVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt11300 SEAPORT BOULEVARD SUITE 300
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt219050 BAY STREET UNIT 97
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt3255 FISERV DRIVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt42878 CAMINO DEL RIO SOUTH SUITE 41
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0SYMMES TOWNSHIP
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1REDWOOD CITY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2EL VERANO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3BROOKFIELD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4SAN DIEGO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0OH
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3WI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd045249
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd194063
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd295433
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd353045
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd492108
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0VANTIV HOLDING LLC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1DIGITAL INSIGHT
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2BACKBASE USA INC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3FISERV
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4CORELATION INC
IRS990/ContractorCompensationGrp/ServicesDesc0CARDHOLDER SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc1ONLINE BANKING / WEBSITE HOSTING SERVICE
IRS990/ContractorCompensationGrp/ServicesDesc2CONSULTING/ TECHNOLOGY SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc3SOFTWARE PROVIDER
IRS990/ContractorCompensationGrp/ServicesDesc4SOFTWARE PROVIDER
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt01760995
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt05898699
IRS990/CYOtherExpensesAmt014964686
IRS990/CYOtherRevenueAmt080080
IRS990/CYProgramServiceRevenueAmt028486935
IRS990/CYRevenuesLessExpensesAmt03987503
IRS990/CYSalariesCompEmpBnftPaidAmt013752530
IRS990/CYTotalExpensesAmt030478211
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt034465714
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt01755702
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, 2015, USE CREDIT UNION MEMBERS HELD 72,752 DEPOSIT ACCOUNTS TOTALING OVER $737 MILLION. THESE ACCOUNTS INCLUDED FREE CHECKING, LOW-BALANCE SAVINGS, IRA'S, AND HIGH-YIELD MONEY MARKET AND TERM INVESTMENT ACCOUNTS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd01
IRS990/DocumentRetentionPolicyInd01
IRS990/DoingBusinessAsName/BusinessNameLine1Txt0USE CREDIT UNION
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0188
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt0904327
IRS990/EscrowAccountLiabilityGrp/EOYAmt0819407
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0201048
IRS990/FeesForServicesLegalGrp/TotalAmt062799
IRS990/FeesForServicesOtherGrp/TotalAmt0277311
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt03.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt13.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt23.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt33.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt43.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt53.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt63.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt73.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt83.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt93.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt103.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt113.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1540.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1640.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2140.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
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/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1231580
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1337752
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1431176
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1535945
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1620179
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1721467
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt186551
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1915575
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2021451
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2117027
IRS990/Form990PartVIISectionAGrp/PersonNm0JOSHUA LAWRENCE
IRS990/Form990PartVIISectionAGrp/PersonNm1LES OVERMAN
IRS990/Form990PartVIISectionAGrp/PersonNm2MATT ADAMS
IRS990/Form990PartVIISectionAGrp/PersonNm3JOHN RICHARD CHANTENGCO
IRS990/Form990PartVIISectionAGrp/PersonNm4TONY CHERIN
IRS990/Form990PartVIISectionAGrp/PersonNm5SCOT EINSENDRATH
IRS990/Form990PartVIISectionAGrp/PersonNm6DAVID ELY
IRS990/Form990PartVIISectionAGrp/PersonNm7YVONNE L MARSH
IRS990/Form990PartVIISectionAGrp/PersonNm8BEVERLY RANDEZ
IRS990/Form990PartVIISectionAGrp/PersonNm9ARUN SEN
IRS990/Form990PartVIISectionAGrp/PersonNm10STEVE ST MARIE
IRS990/Form990PartVIISectionAGrp/PersonNm11JOHN STEVENSON
IRS990/Form990PartVIISectionAGrp/PersonNm12JAMES HARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm13KENNETH KRAMER
IRS990/Form990PartVIISectionAGrp/PersonNm14GARY AHLGREN
IRS990/Form990PartVIISectionAGrp/PersonNm15STEPHEN EWERS
IRS990/Form990PartVIISectionAGrp/PersonNm16LAURA YOUNG
IRS990/Form990PartVIISectionAGrp/PersonNm17KAREN SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm18NICOLE ANDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm19BILLIE JO CARDENAS
IRS990/Form990PartVIISectionAGrp/PersonNm20NATHANIEL FRICHTEL
IRS990/Form990PartVIISectionAGrp/PersonNm21RICHARD MATTHEWS
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/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12444033
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13285043
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14285780
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15271660
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16228421
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17178828
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18178044
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19176601
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20169756
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21151853
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/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
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
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR (RETIRED MAY 2015)
IRS990/Form990PartVIISectionAGrp/TitleTxt12PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP/CFO/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt14EVP/ORGANIZATIONAL IMPROVEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt15CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP/HR & ORGANIZATIONAL DEVELOPMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP RETAIL DELIVERY
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP BUSINESS TECHNOLOGY
IRS990/Form990PartVIISectionAGrp/TitleTxt21AVP SOFTWARE ENGINEERING
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01936
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt01671086
IRS990/GainOrLossGrp/SecuritiesAmt0-46904
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt074697183
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt07284263
IRS990/GrossReceiptsAmt0115359808
IRS990/GrossRentsGrp/RealAmt0616910
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt029
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02474786
IRS990/InsuranceGrp/TotalAmt0129700
IRS990/InterestGrp/TotalAmt0189418
IRS990/InvestmentIncomeGrp/ExclusionAmt04274517
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04274517
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0191014939
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0198819841
IRS990/IRPDocumentCnt019542
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt012570052
IRS990/LandBldgEquipBasisNetGrp/BOYAmt027708391
IRS990/LandBldgEquipBasisNetGrp/EOYAmt029159187
IRS990/LandBldgEquipCostOrOtherBssAmt041729239
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt073026097
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt07331167
IRS990/LessRentalExpensesGrp/RealAmt0536830
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/EOYAmt05000000
IRS990/NetAssetsOrFundBalancesBOYAmt077336296
IRS990/NetAssetsOrFundBalancesEOYAmt080052963
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt01624182
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt01624182
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt080080
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt080080
IRS990/NetUnrelatedBusTxblIncmAmt0-462219
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01682069
IRS990/OfficeExpensesGrp/TotalAmt01733467
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt057156903
IRS990/OtherAssetsTotalGrp/EOYAmt058560799
IRS990/OtherChangesInNetAssetsAmt0-1270837
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0986357
IRS990/OtherExpensesGrp/Desc0ATM EXPENSES
IRS990/OtherExpensesGrp/Desc1LOAN PROGRAM/SERVICING
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3CREDIT CARD PROGRAM COS
IRS990/OtherExpensesGrp/TotalAmt01896438
IRS990/OtherExpensesGrp/TotalAmt11460178
IRS990/OtherExpensesGrp/TotalAmt2612401
IRS990/OtherExpensesGrp/TotalAmt3475730
IRS990/OtherLiabilitiesGrp/BOYAmt0713090809
IRS990/OtherLiabilitiesGrp/EOYAmt0746602691
IRS990/OtherSalariesAndWagesGrp/TotalAmt09780445
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0467523614
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0508222672
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0918340
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0394848
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0848720
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01310450
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/RelatedOrExemptFuncIncomeAmt021081242
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14311059
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22746371
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt021081242
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14659322
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22746371
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0348263
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, 2015, USE CREDIT UNION MEMBERS HELD 36,471 MORTGAGE, HOME EQUITY, VEHICLE, CREDIT CARD, AND VARIOUS OTHER PERSONAL LOANS TOTALING OVER $515 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 CREDIT UNION OFFERS BILLPAY SERVICES TO MEMBERS WITH QUALIFYING CHECKING ACCOUNTS AT NO COST. EACH MONTH, APPROXIMATELY 23,000 MEMBERS UTILIZE THE E-SERVICES AVAILABLE 24 HOURS PER DAY. 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/PYBenefitsPaidToMembersAmt01881598
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt06634832
IRS990/PYOtherExpensesAmt013231139
IRS990/PYOtherRevenueAmt0132669
IRS990/PYProgramServiceRevenueAmt028746760
IRS990/PYRevenuesLessExpensesAmt07845616
IRS990/PYSalariesCompEmpBnftPaidAmt012555908
IRS990/PYTotalExpensesAmt027668645
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt035514261
IRS990/ReconcilationRevenueExpnssAmt03987503
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt080080
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$832,475,061
Liabilities
$752,422,098
Net assets
$80,052,963
Revenue
$34,465,714
Expenses
$30,478,211
Net income
$3,987,503
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