Civic Intelligence

University & State Employees Credit Union

990 • Fiscal year 2016 • EIN 95-1209332

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 08, 2017

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

66th percentile

0.90x

Higher debt load relative to assets than 66% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

78th percentile

22.00x

Higher debt load relative to revenue than 78% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

52nd percentile

13%

Higher net margin than 52% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

66th percentile

$469,545

Higher top officer pay than 66% of similar nonprofits.

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

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

51st percentile

6.1%

Faster asset growth than 51% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

37th percentile

5.4%

Faster revenue growth than 37% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets66th percentile

Assets

Up

$883,404,811

Up $50,929,750 (+6.1%) from 2015

Net Assets

Up

$84,380,927

Up $4,327,964 (+5.4%) from 2015

Liabilities

Up

$799,023,884

Up $46,601,786 (+6.2%) from 2015

Revenue And Expenses
Liabilities / Revenue78th percentileNet Margin52nd percentile

Revenue

Up

$36,316,881

Up $1,851,167 (+5.4%) from 2015

Expenses

Up

$31,458,039

Up $979,828 (+3.2%) from 2015

Net Income

Up

$4,858,842

Up $871,339 (+22%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth51st 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

2016

Assets$883,404,811
Liabilities$799,023,884
Net Assets$84,380,927
Open 2016 Filing

Operations Trend

Revenue Growth37th 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

2016

Revenue$36,316,881
Expenses$31,458,039
Net Income$4,858,842
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 8, 2017
Return Version
2016v3.0
Gross Receipts
$128,747,721
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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$508,222,672$559,400,101▲ $51,177,429
Investments Other Securities$198,819,841$182,181,649▼ $16,638,192
Rtn Earn Endowment Incm Other Fnds$80,052,963$84,380,927▲ $4,327,964
Cash and Non-Interest-Bearing Accounts$36,402,112$51,004,263▲ $14,602,151
Land, Buildings, and Equipment, Net$29,159,187$26,890,223▼ $2,268,964
Prepaid Expenses and Deferred Charges$1,310,450$1,167,186▼ $143,264
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$832,475,061$883,404,811▲ $50,929,750
Other Assets Total$58,560,799$62,761,389▲ $4,200,590
Liabilities
Other Liabilities$746,602,691$791,964,465▲ $45,361,774
Mortgage Notes Payable Secured by Investment Property$5,000,000$5,000,000→ $0
Escrow Account Liability$819,407$2,059,419▲ $1,240,012
Total Liabilities$752,422,098$799,023,884▲ $46,601,786
Net Assets / Fund Balance
Total Net Assets Fund Balance$80,052,963$84,380,927▲ $4,327,964
Total Liabilities and Net Assets / Fund Balance$832,475,061$883,404,811▲ $50,929,750

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$13,750,755$4,764,211$18,514,966
Equipment$4,204,558$7,046,895$11,251,453
Land$8,257,243-$8,257,243
Leasehold Improvements$677,667$3,065,355$3,743,022
Other Assets Org$8,119,699--
Other Securities$4,410,200--
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
James HarrisPresident/CEOFT$371,000$98,545$469,545
Gary AhlgrenEvp/organizational ImprovementFT$275,986$61,191$337,177
Kenneth KramerSVP/CFO/treasurerFT$193,698$87,686$281,384
Stephen EwersCIOFT$218,890$55,685$274,575
Laura YoungSVP/hr & Organizational DevelopmentFT$205,000$43,809$248,809
Karen SmithVP LendingFT$166,243$34,078$200,321
Nicole HarperVP MarketingFT$157,724$42,525$200,249
Billie Jo CardenasVP Retail DeliveryFT$151,344$36,058$187,402
Nathaniel FrichtelVP Business TechnologyFT$148,117$24,959$173,076
Richard MatthewsAvp Software EngineeringFT$154,213$14,806$169,019

Board Members and Trustees

NameTitle
Joshua LawrenceChair
Les OvermanVice Chair
Beverly RandezDirector
David ElyDirector
Matt AdamsDirector
Scot EinsendrathDirector
Steve St MarieDirector
Tony CherinDirector
Yvonne L MarshDirector
John Richard ChantengcoDirector (retired May 2016)

Highest Paid Contractors

ContractorServicesLocationCompensation
Vantiv Holding LLCCardholder Services8500 GOVERNORS HILL DRIVE, Symmes Township, OH 45249$1,540,835
Digital InsightOnline Banking / Website Hosting Service1300 SEAPORT BOULEVARD SUITE 300, Redwood City, CA 94063$840,132
Jacor Construction INCConstruction Services10612 PROSPECT AVENUE SUITE 100, Santee, CA 92071$440,780
Business Data INCMember Statement Processing321 NORTH OAK STREET, Inglewood, CA 90302$413,487
Advanced Network INCAtm Services8940 ACTIVITY ROAD SUITE F, San Diego, CA 92126$335,734
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$30,961,284
Investment Income
$5,277,754
Other Revenue
$77,843
Change in Net Assets
$4,858,842

Audited Revenue Reconciliation

Revenue per Audited Statements
$36,993,259
Revenue Not Reported on Financial Statements
$-676,378
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-676,378
Total Revenue per Audited Statements
$36,993,259
Total Revenue per Form 990
$36,316,881
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$15,899,349
Salaries, Compensation, and Employee Benefits$13,796,072
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$9,759,769
Information Technology---$1,962,001
Depreciation Depletion---$1,919,281
Benefits to Members---$1,762,618
Occupancy---$1,673,917
Current Officers, Directors, Trustees, and Key Employees---$1,611,490
Office Expenses---$1,579,406
All Other Expenses---$1,247,707
Other Employee Benefits---$1,053,501
Payroll Taxes---$960,838
Other Expenses---$745,902
Advertising---$702,705
Pension Plan Contributions---$410,474
Fees for Services Other---$297,277
Conferences and Meetings---$201,574
Fees for Services Accounting---$160,091
Insurance---$123,267
Travel---$120,355
Interest---$120,135
Fees for Services Legal---$63,165
Total Functional Expenses$0$0$0$31,458,039

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$32,134,417
Total Expenses per Audited Statements$32,134,417
Total Expenses per Form 990$31,458,039
Expenses Not Reported on Form 990$0
Expenses Not Reported on Financial Statements$-676,378
Other Expense Adjustments$-676,378
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$2,000
Total Exempt Function Spending$2,000

Section 527 Organizations

OrganizationLocationAmount
74-3032876San Diego, CA$2,000
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$786,325,257
Other Liabilities$5,639,208
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 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 11B

“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. Conflict of interest policy and governing documents are available to members upon request for the same period of disclosure as set forth in section 6104(d).”

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
Todd Tharp
Title
SVP/CFO
Phone
8587956100
Signed
2017-11-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
James Harris
Formed
1936
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
203
Volunteers
14

Preparer

Firm
Rsm US 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 12/31/2016 the escrow balance was $1,109,820 and the value of assets for which the credit union serves as custodian was $949,599.”

PART X, LINE 2:

“For the years ended december 31, 2016 and 2015, management determined that there are no material uncertain tax positions.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Rental expenses reclassed to revenue -676,378.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Rental expenses reclassed to revenue -676,378.”

Raw XML AppendixShowing 400 of 741 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/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd2X
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IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
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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/OtherCompensationAmt1015332
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1115233
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1217010
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1313342
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1411146
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt156727
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1622028
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1717717
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1821005
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt198314
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/PersonNm9STEVE ST MARIE
IRS990/Form990PartVIISectionAGrp/PersonNm10JAMES HARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm11KENNETH KRAMER
IRS990/Form990PartVIISectionAGrp/PersonNm12GARY AHLGREN
IRS990/Form990PartVIISectionAGrp/PersonNm13STEPHEN EWERS
IRS990/Form990PartVIISectionAGrp/PersonNm14LAURA YOUNG
IRS990/Form990PartVIISectionAGrp/PersonNm15NICOLE HARPER
IRS990/Form990PartVIISectionAGrp/PersonNm16KAREN SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm17BILLIE JO CARDENAS
IRS990/Form990PartVIISectionAGrp/PersonNm18NATHANIEL FRICHTEL
IRS990/Form990PartVIISectionAGrp/PersonNm19RICHARD 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/ReportableCompFromOrgAmt10454213
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11265552
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12320167
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13261232
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14237543
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15192202
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16178097
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17166085
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18152071
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19159856
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 (RETIRED MAY 2016)
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11SVP/CFO/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt12EVP/ORGANIZATIONAL IMPROVEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt13CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP/HR & ORGANIZATIONAL DEVELOPMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP RETAIL DELIVERY
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP BUSINESS TECHNOLOGY
IRS990/Form990PartVIISectionAGrp/TitleTxt19AVP SOFTWARE ENGINEERING
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01936
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt01346836
IRS990/GainOrLossGrp/SecuritiesAmt0-47781
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt086754959
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt06298558
IRS990/GrossReceiptsAmt0128747721
IRS990/GrossRentsGrp/RealAmt0754221
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt028
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01962001
IRS990/InsuranceGrp/TotalAmt0123267
IRS990/InterestGrp/TotalAmt0120135
IRS990/InvestmentIncomeGrp/ExclusionAmt03978699
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt03978699
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0198819841
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0182181649
IRS990/IRPDocumentCnt015201
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt014876461
IRS990/LandBldgEquipBasisNetGrp/BOYAmt029159187
IRS990/LandBldgEquipBasisNetGrp/EOYAmt026890223
IRS990/LandBldgEquipCostOrOtherBssAmt041766684
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt085408123
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt06346339
IRS990/LessRentalExpensesGrp/RealAmt0676378
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WE TRANSFORM LIVES BY MAKING DREAMS HAPPEN!
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt05000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt05000000
IRS990/NetAssetsOrFundBalancesBOYAmt080052963
IRS990/NetAssetsOrFundBalancesEOYAmt084380927
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt01299055
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt01299055
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt077843
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt077843
IRS990/NetUnrelatedBusTxblIncmAmt0-390587
IRS990/NetUnrlzdGainsLossesInvstAmt0-530878
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01673917
IRS990/OfficeExpensesGrp/TotalAmt01579406
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt058560799
IRS990/OtherAssetsTotalGrp/EOYAmt062761389
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01053501
IRS990/OtherExpensesGrp/Desc0ATM EXPENSES
IRS990/OtherExpensesGrp/Desc1LOAN PROGRAM/SERVICING
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3CREDIT CARD PROGRAM COS
IRS990/OtherExpensesGrp/TotalAmt02168360
IRS990/OtherExpensesGrp/TotalAmt11510965
IRS990/OtherExpensesGrp/TotalAmt21303241
IRS990/OtherExpensesGrp/TotalAmt3745902
IRS990/OtherLiabilitiesGrp/BOYAmt0746602691
IRS990/OtherLiabilitiesGrp/EOYAmt0791964465
IRS990/OtherSalariesAndWagesGrp/TotalAmt09759769
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0508222672
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0559400101
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0960838
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0410474
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01310450
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01167186
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/RelatedOrExemptFuncIncomeAmt023066052
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14718975
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22899362
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt023066052
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14995870
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22899362
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0276895
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, 2016, USE CREDIT UNION MEMBERS HELD 36,710 MORTGAGE, HOME EQUITY, VEHICLE, CREDIT CARD, AND VARIOUS OTHER PERSONAL LOANS TOTALING OVER $565 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 25,000 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) TAX PREPARATION SERVICES, 3) MONEY-SAVING AUTO, HOME, HEALTH AND LIFE INSURANCE PROGRAMS, 4) FREE FINANCIAL EDUCATION SEMINARS, AND 5) MERCHANT, RECREATION AND TRAVEL DISCOUNTS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt01760995
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt05898699
IRS990/PYOtherExpensesAmt014964686
IRS990/PYOtherRevenueAmt080080
IRS990/PYProgramServiceRevenueAmt028486935
IRS990/PYRevenuesLessExpensesAmt03987503
IRS990/PYSalariesCompEmpBnftPaidAmt013752530
IRS990/PYTotalExpensesAmt030478211
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt034465714
IRS990/ReconcilationRevenueExpnssAmt04858842
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt077843
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt080052963
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt084380927
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt02000
IRS990ScheduleC/PoliticalExpendituresAmt02000
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0743032876
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0SAN DIEGO CREDIT UNIONS' PAC
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt02000
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt09201 SPECTRUM CENTER BVD
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0SAN DIEGO
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0CA
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd092123
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0USE'S POLITICAL ACTIVITIES ARE PRIMARILY CENTERED AROUND SPECIFIC LEGISLATIVE BILLS OF SPECIFIC INTEREST TO USE AND/OR THE CREDIT UNION INDUSTRY. WE PARTICIPATE WITH THE CALIFORNIA/NEVADA CREDIT UNION LEAGUE AND CUNA BY SENDING LETTERS OF SUPPORT OR OPPOSITION TO PROPOSED LEGISLATION. WE ALSO, ON AN INDIVIDUAL BASIS, ATTEND FUNDRAISERS TO SUPPORT CREDIT UNION FRIENDLY LEGISLATORS. FINANCIAL CONTRIBUTIONS ARE MADE BY EITHER PERSONAL FUNDS OR THROUGH PAC CONTRIBUTIONS.

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$883,404,811
Liabilities
$799,023,884
Net assets
$84,380,927
Revenue
$36,316,881
Expenses
$31,458,039
Net income
$4,858,842
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