Civic Intelligence

University & State Employees Credit Union

990 • Fiscal year 2017 • EIN 95-1209332

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 07, 2018

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.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

83rd percentile

21.65x

Higher debt load relative to revenue than 83% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

57th percentile

14%

Higher net margin than 57% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

68th percentile

$506,759

Higher top officer pay than 68% of similar nonprofits.

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

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Asset Growth

55th percentile

5.6%

Faster asset growth than 55% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

41st percentile

7.3%

Faster revenue growth than 41% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets66th percentile

Assets

Up

$932,910,812

Up $49,506,001 (+5.6%) from 2016

Net Assets

Up

$89,449,593

Up $5,068,666 (+6.0%) from 2016

Liabilities

Up

$843,461,219

Up $44,437,335 (+5.6%) from 2016

Revenue And Expenses
Liabilities / Revenue83rd percentileNet Margin57th percentile

Revenue

Up

$38,958,541

Up $2,641,660 (+7.3%) from 2016

Expenses

Up

$33,319,803

Up $1,861,764 (+5.9%) from 2016

Net Income

Up

$5,638,738

Up $779,896 (+16%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth55th 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

2017

Assets$932,910,812
Liabilities$843,461,219
Net Assets$89,449,593
Open 2017 Filing

Operations Trend

Revenue Growth41st 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

2017

Revenue$38,958,541
Expenses$33,319,803
Net Income$5,638,738
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 7, 2018
Return Version
2017v2.3
Gross Receipts
$110,333,135
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$559,400,101$626,941,229▲ $67,541,128
Investments Other Securities$182,181,649$144,689,138▼ $37,492,511
Rtn Earn Endowment Incm Other Fnds$84,380,927$89,449,593▲ $5,068,666
Cash and Non-Interest-Bearing Accounts$51,004,263$73,508,537▲ $22,504,274
Land, Buildings, and Equipment, Net$26,890,223$26,512,308▼ $377,915
Prepaid Expenses and Deferred Charges$1,167,186$1,371,509▲ $204,323
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$883,404,811$932,910,812▲ $49,506,001
Other Assets Total$62,761,389$59,888,091▼ $2,873,298
Liabilities
Other Liabilities$791,964,465$836,287,849▲ $44,323,384
Mortgage Notes Payable Secured by Investment Property$5,000,000$5,000,000→ $0
Escrow Account Liability$2,059,419$2,173,370▲ $113,951
Total Liabilities$799,023,884$843,461,219▲ $44,437,335
Net Assets / Fund Balance
Total Net Assets Fund Balance$84,380,927$89,449,593▲ $5,068,666
Total Liabilities and Net Assets / Fund Balance$883,404,811$932,910,812▲ $49,506,001

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$13,225,674$5,611,123$18,836,797
Equipment$3,380,887$8,259,892$11,640,779
Land$8,257,243-$8,257,243
Leasehold Improvements$1,648,504$3,252,660$4,901,164
Other Assets Org$7,271,615--
Other Securities$56,770,228--
Compensation and Service Providers
Top Officer Pay68th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
James HarrisPresident/CEOFT$373,859$132,900$506,759
Stephen EwersCIOFT$211,019$109,208$320,227
Laura YoungSVP/hr & Organizational DevelopmentFT$216,340$66,706$283,046
Todd TharpSVP/CFO/treasurerFT$250,000$29,582$279,582
Billie Jo CardenasVP Retail Delivery & MarketingFT$164,387$51,304$215,691
Karen SmithVP LendingFT$173,587$28,369$201,956
Nathaniel FrichtelVP Business TechnologyFT$154,003$31,947$185,950
Donald ColemanVP Real EstateFT$142,054$42,103$184,157
Karen StiglerVP Innovation & OptimizationFT$141,851$7,055$148,906

Board Members and Trustees

NameTitle
Les OvermanChair
Beverly RandezVice Chair
David ElyDirector
Joshua LawrenceDirector
Matt AdamsDirector
Scot EinsendrathDirector
Steve St MarieDirector
Tony CherinDirector
Yvonne L MarshDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Level5 LLCConstruction Services2018 POWERS FERRY ROAD SUITE 750, Atlanta, GA 30338$1,191,800
Vantiv Holding LLCCardholder Services8500 GOVERNORS HILL DRIVE, Symmes Township, OH 45249$1,165,305
Digital InsightOnline Banking / Website Hosting Service1300 SEAPORT BOULEVARD SUITE 300, Redwood City, CA 94063$564,052
Business Data INCMember Statement Processing321 NORTH OAK STREET, Inglewood, CA 90302$442,092
PscuCall Center Services560 CARILLION PARKWAY, St Petersburg, FL 33716$274,210
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$33,260,963
Investment Income
$5,512,132
Other Revenue
$185,446
Change in Net Assets
$5,638,738

Audited Revenue Reconciliation

Revenue per Audited Statements
$39,814,774
Revenue Not Reported on Financial Statements
$-856,233
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-856,233
Total Revenue per Audited Statements
$39,814,774
Total Revenue per Form 990
$38,958,541
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$17,038,042
Salaries, Compensation, and Employee Benefits$14,445,790
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$10,257,628
Information Technology---$2,041,266
Benefits to Members---$1,835,971
Depreciation Depletion---$1,805,744
Office Expenses---$1,762,510
Occupancy---$1,718,675
Current Officers, Directors, Trustees, and Key Employees---$1,700,881
Other Employee Benefits---$1,081,751
All Other Expenses---$988,127
Payroll Taxes---$979,751
Other Expenses---$736,582
Advertising---$646,707
Pension Plan Contributions---$425,779
Fees for Services Other---$407,317
Fees for Services Legal---$254,797
Conferences and Meetings---$233,169
Fees for Services Accounting---$208,276
Travel---$162,581
Insurance---$148,055
Interest---$120,000
Total Functional Expenses$0$0$0$33,319,803

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$34,176,036
Total Expenses per Audited Statements$34,176,036
Total Expenses per Form 990$33,319,803
Expenses Not Reported on Form 990$0
Expenses Not Reported on Financial Statements$-856,233
Other Expense Adjustments$-856,233
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$828,951,770
Other Liabilities$7,336,079
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. Governing documents are provided upon request.”

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
2018-11-07
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
209
Volunteers
15

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 12/31/2017 the escrow balance was $1,678,723 and the value of assets for which the credit union serves as custodian was $494,647.”

PART X, LINE 2:

“For the years ended december 31, 2017 and 2016, management determined that there are no material uncertain tax positions.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Rental expenses reclassed to revenue -856,233.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Rental expenses reclassed to revenue -856,233.”

Raw XML AppendixShowing 400 of 683 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/OtherCompensationAmt40
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt932302
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt106646
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1138348
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1216246
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1322347
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1423088
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1521950
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1618525
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt177055
IRS990/Form990PartVIISectionAGrp/PersonNm0LES OVERMAN
IRS990/Form990PartVIISectionAGrp/PersonNm1BEVERLY RANDEZ
IRS990/Form990PartVIISectionAGrp/PersonNm2MATT ADAMS
IRS990/Form990PartVIISectionAGrp/PersonNm3JOSHUA LAWRENCE
IRS990/Form990PartVIISectionAGrp/PersonNm4TONY CHERIN
IRS990/Form990PartVIISectionAGrp/PersonNm5SCOT EINSENDRATH
IRS990/Form990PartVIISectionAGrp/PersonNm6DAVID ELY
IRS990/Form990PartVIISectionAGrp/PersonNm7YVONNE L MARSH
IRS990/Form990PartVIISectionAGrp/PersonNm8STEVE ST MARIE
IRS990/Form990PartVIISectionAGrp/PersonNm9JAMES HARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm10TODD THARP
IRS990/Form990PartVIISectionAGrp/PersonNm11STEPHEN EWERS
IRS990/Form990PartVIISectionAGrp/PersonNm12LAURA YOUNG
IRS990/Form990PartVIISectionAGrp/PersonNm13KAREN SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm14BILLIE JO CARDENAS
IRS990/Form990PartVIISectionAGrp/PersonNm15NATHANIEL FRICHTEL
IRS990/Form990PartVIISectionAGrp/PersonNm16DONALD COLEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm17KAREN STIGLER
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/ReportableCompFromOrgAmt9474457
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10272936
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11281879
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12263399
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13179609
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14192253
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15164000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16163438
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17141851
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/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/TitleTxt9PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10SVP/CFO/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt11CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP/HR & ORGANIZATIONAL DEVELOPMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP RETAIL DELIVERY & MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP BUSINESS TECHNOLOGY
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP REAL ESTATE
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP INNOVATION & OPTIMIZATION
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01936
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt01270655
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt071789016
IRS990/GrossReceiptsAmt0110333135
IRS990/GrossRentsGrp/RealAmt01041679
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt028
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02041266
IRS990/InsuranceGrp/TotalAmt0148055
IRS990/InterestGrp/TotalAmt0120000
IRS990/InvestmentIncomeGrp/ExclusionAmt04241477
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04241477
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0182181649
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0144689138
IRS990/IRPDocumentCnt016414
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt017123675
IRS990/LandBldgEquipBasisNetGrp/BOYAmt026890223
IRS990/LandBldgEquipBasisNetGrp/EOYAmt026512308
IRS990/LandBldgEquipCostOrOtherBssAmt043635983
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt070518361
IRS990/LessRentalExpensesGrp/RealAmt0856233
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/NetAssetsOrFundBalancesBOYAmt084380927
IRS990/NetAssetsOrFundBalancesEOYAmt089449593
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt01270655
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt01270655
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0185446
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0185446
IRS990/NetUnrelatedBusTxblIncmAmt0-363330
IRS990/NetUnrlzdGainsLossesInvstAmt0-570072
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01718675
IRS990/OfficeExpensesGrp/TotalAmt01762510
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt062761389
IRS990/OtherAssetsTotalGrp/EOYAmt059888091
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01081751
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1ATM EXPENSES
IRS990/OtherExpensesGrp/Desc2LOAN PROGRAM/SERVICING
IRS990/OtherExpensesGrp/Desc3CREDIT CARD PROGRAM COS
IRS990/OtherExpensesGrp/TotalAmt02570715
IRS990/OtherExpensesGrp/TotalAmt12027829
IRS990/OtherExpensesGrp/TotalAmt21205692
IRS990/OtherExpensesGrp/TotalAmt3736582
IRS990/OtherLiabilitiesGrp/BOYAmt0791964465
IRS990/OtherLiabilitiesGrp/EOYAmt0836287849
IRS990/OtherSalariesAndWagesGrp/TotalAmt010257628
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0559400101
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0626941229
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0979751
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0425779
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01167186
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01371509
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/RelatedOrExemptFuncIncomeAmt025240339
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14798145
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt23028145
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt025240339
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14992479
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23028145
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0194334
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, 2017, USE CREDIT UNION MEMBERS HELD 37,080 MORTGAGE, HOME EQUITY, VEHICLE, CREDIT CARD, AND VARIOUS OTHER PERSONAL LOANS TOTALING OVER $633 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 27,000 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/PYBenefitsPaidToMembersAmt01762618
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt05277754
IRS990/PYOtherExpensesAmt015899349
IRS990/PYOtherRevenueAmt077843
IRS990/PYProgramServiceRevenueAmt030961284
IRS990/PYRevenuesLessExpensesAmt04858842
IRS990/PYSalariesCompEmpBnftPaidAmt013796072
IRS990/PYTotalExpensesAmt031458039
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt036316881
IRS990/ReconcilationRevenueExpnssAmt05638738
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0185446
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt084380927
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt089449593
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt013225674
IRS990ScheduleD/BuildingsGrp/DepreciationAmt05611123
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt018836797
IRS990ScheduleD/EquipmentGrp/BookValueAmt03380887
IRS990ScheduleD/EquipmentGrp/DepreciationAmt08259892
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt011640779
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0-856233
IRS990ScheduleD/ExpensesSubtotalAmt034176036
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt08257243
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt08257243
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01648504
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt03252660
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt04901164
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt02777879
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt17620913
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt229266289
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt311006695
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt41944700
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt57271615
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUA SHARE INSURANCE DEPOSITS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2ACH SETTLEMENT CLEARING
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3INSURANCE CONTRACTS

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$932,910,812
Liabilities
$843,461,219
Net assets
$89,449,593
Revenue
$38,958,541
Expenses
$33,319,803
Net income
$5,638,738
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