Civic Intelligence

University & State Employees Credit Union

990 • Fiscal year 2018 • EIN 95-1209332

Jan 01, 2018 to Dec 31, 2018 • Filed on Oct 29, 2019

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

71st percentile

0.90x

Higher debt load relative to assets than 71% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

84th percentile

20.51x

Higher debt load relative to revenue than 84% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

43rd percentile

13%

Higher net margin than 43% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

73rd percentile

$510,069

Higher top officer pay than 73% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Asset Growth

52nd percentile

4.4%

Faster asset growth than 52% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

46th percentile

10%

Faster revenue growth than 46% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets71st percentile

Assets

Up

$974,347,002

Up $41,436,190 (+4.4%) from 2017

Net Assets

Up

$93,664,442

Up $4,214,849 (+4.7%) from 2017

Liabilities

Up

$880,682,560

Up $37,221,341 (+4.4%) from 2017

Revenue And Expenses
Liabilities / Revenue84th percentileNet Margin43rd percentile

Revenue

Up

$42,943,870

Up $3,985,329 (+10%) from 2017

Expenses

Up

$37,280,381

Up $3,960,578 (+12%) from 2017

Net Income

Up

$5,663,489

Up $24,751 (+0.4%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth52nd 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

2018

Assets$974,347,002
Liabilities$880,682,560
Net Assets$93,664,442
Open 2018 Filing

Operations Trend

Revenue Growth46th 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

2018

Revenue$42,943,870
Expenses$37,280,381
Net Income$5,663,489
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Oct 29, 2019
Return Version
2018v3.1
Gross Receipts
$73,417,892
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.

We transform lives by making dreams happen!

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$626,941,229$743,144,866▲ $116,203,637
Investments Other Securities$144,689,138$97,056,368▼ $47,632,770
Rtn Earn Endowment Incm Other Fnds$89,449,593$93,664,442▲ $4,214,849
Cash and Non-Interest-Bearing Accounts$73,508,537$40,562,799▼ $32,945,738
Land, Buildings, and Equipment, Net$26,512,308$25,759,957▼ $752,351
Prepaid Expenses and Deferred Charges$1,371,509$1,532,205▲ $160,696
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$932,910,812$974,347,002▲ $41,436,190
Other Assets Total$59,888,091$66,290,807▲ $6,402,716
Liabilities
Other Liabilities$836,287,849$833,611,647▼ $2,676,202
Mortgage Notes Payable Secured by Investment Property$5,000,000$45,000,000▲ $40,000,000
Escrow Account Liability$2,173,370$2,070,913▼ $102,457
Total Liabilities$843,461,219$880,682,560▲ $37,221,341
Net Assets / Fund Balance
Total Net Assets Fund Balance$89,449,593$93,664,442▲ $4,214,849
Total Liabilities and Net Assets / Fund Balance$932,910,812$974,347,002▲ $41,436,190

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$12,465,177$6,476,470$18,941,647
Equipment$3,151,167$9,339,679$12,490,846
Land$8,257,243-$8,257,243
Leasehold Improvements$1,886,370$3,535,785$5,422,155
Other Assets Org$5,887,488--
Other Securities$49,403,803--
Compensation and Service Providers
Top Officer Pay73rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
James HarrisPresident/CEOFT$390,005$124,865$514,870
Stephen EwersSVP/chief Information OfficerFT$239,626$91,846$331,472
Todd TharpSVP/CFO/secretaryFT$257,214$69,682$326,896
Laura YoungSVP/chief Human Resources OfficerFT$234,409$71,607$306,016
Mathew LyonsSVP/chief Lending OfficerFT$232,209$65,513$297,722
Karen SmithVP LendingFT$183,257$29,640$212,897
Nathaniel FrichtelVP Business TechnologyFT$157,426$36,751$194,177
Donald ColemanVP Real EstateFT$152,589$23,934$176,523
Kathleen Dallas-orrSr Community Mortgage SpecialistFT$135,433$20,267$155,700
Karen StiglerVP Innovation & OptimizationFT$141,760$12,046$153,806

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
Worldpay Holding LLCCardholder Services8500 GOVERNORS HILL DRIVE, Symmes Township, OH 45249$1,262,130
Ncr CorporationOnline Banking / Website Hosting Service858 SPRING STEET NW, Atlanta, GA 30308$681,979
Business Data INCMember Statement Processing321 NORTH OAK STREET, Inglewood, CA 90302$387,826
PscuCall Center Services560 CARILLON PARKWAY, St Petersburg, FL 33716$325,366
Advanced Network INCAtm Services8940 ACTIVITY ROAD SUITE F, San Diego, CA 92126$311,739
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$38,496,463
Investment Income
$4,225,583
Other Revenue
$221,824
Change in Net Assets
$5,663,489
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$19,273,273
Salaries, Compensation, and Employee Benefits$16,182,051
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$11,586,686
Information Technology---$2,149,947
Depreciation Depletion---$1,828,387
Benefits to Members---$1,825,057
Current Officers, Directors, Trustees, and Key Employees---$1,776,976
Office Expenses---$1,743,923
Occupancy---$1,724,488
Other Employee Benefits---$1,303,918
All Other Expenses---$1,117,822
Payroll Taxes---$1,045,337
Other Expenses---$750,504
Advertising---$747,872
Interest---$505,126
Fees for Services Other---$504,194
Pension Plan Contributions---$469,134
Fees for Services Legal---$346,598
Fees for Services Accounting---$295,988
Conferences and Meetings---$242,851
Travel---$219,430
Insurance---$144,115
Total Functional Expenses$0$0$0$37,280,381
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$6,205
Total Exempt Function Spending$6,205
Section 527 Activity Spending$0

Section 527 Organizations

OrganizationLocationAmount
94-2329967Sacramento, CA$6,205
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$826,074,409
Other Liabilities$7,537,238
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
2019-10-29
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
222
Volunteers
14

Preparer

Firm
Rsm US Llp
Address
801 NICOLLET MALL WEST TOWER STE, 1100, MINNEAPOLIS, MN 55402-2526
Preparer
Kacie Mcewen
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 12/31/2018 the escrow balance was $1,798,245 and the value of assets for which the credit union serves as custodian was $272,668.”

PART X, LINE 2:

“For the years ended december 31, 2018 and 2017, management determined that there are no material uncertain tax positions.”

Raw XML AppendixShowing 400 of 727 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/OtherCompensationAmt1229923
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1316940
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1417527
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1516290
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1631729
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1723093
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt186236
IRS990/Form990PartVIISectionAGrp/PersonNm0LES OVERMAN
IRS990/Form990PartVIISectionAGrp/PersonNm1BEVERLY RANDEZ
IRS990/Form990PartVIISectionAGrp/PersonNm2MATT ADAMS
IRS990/Form990PartVIISectionAGrp/PersonNm3TONY CHERIN
IRS990/Form990PartVIISectionAGrp/PersonNm4SCOT EINSENDRATH
IRS990/Form990PartVIISectionAGrp/PersonNm5DAVID ELY
IRS990/Form990PartVIISectionAGrp/PersonNm6JOSHUA LAWRENCE
IRS990/Form990PartVIISectionAGrp/PersonNm7YVONNE L MARSH
IRS990/Form990PartVIISectionAGrp/PersonNm8STEVE ST MARIE
IRS990/Form990PartVIISectionAGrp/PersonNm9JAMES HARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm10TODD THARP
IRS990/Form990PartVIISectionAGrp/PersonNm11STEPHEN EWERS
IRS990/Form990PartVIISectionAGrp/PersonNm12MATHEW LYONS
IRS990/Form990PartVIISectionAGrp/PersonNm13LAURA YOUNG
IRS990/Form990PartVIISectionAGrp/PersonNm14DONALD COLEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm15KATHLEEN DALLAS-ORR
IRS990/Form990PartVIISectionAGrp/PersonNm16NATHANIEL FRICHTEL
IRS990/Form990PartVIISectionAGrp/PersonNm17KAREN SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm18KAREN STIGLER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9479999
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10313208
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11291181
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12267799
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13286126
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14156202
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15138931
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16162447
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17189804
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18147570
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/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/SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt11SVP/CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP/CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP/CHIEF HUMAN RESOURCES OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP REAL ESTATE
IRS990/Form990PartVIISectionAGrp/TitleTxt15SR COMMUNITY MORTGAGE SPECIALIST
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP BUSINESS TECHNOLOGY
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP INNOVATION & OPTIMIZATION
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01936
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IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt061039
IRS990/GainOrLossGrp/SecuritiesAmt0197027
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt04063318
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt025804790
IRS990/GrossReceiptsAmt073417892
IRS990/GrossRentsGrp/RealAmt01085804
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt029
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02149947
IRS990/InsuranceGrp/TotalAmt0144115
IRS990/InterestGrp/TotalAmt0505126
IRS990/InvestmentIncomeGrp/ExclusionAmt03967517
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt03967517
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0144689138
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt097056368
IRS990/IRPDocumentCnt015221
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt019351934
IRS990/LandBldgEquipBasisNetGrp/BOYAmt026512308
IRS990/LandBldgEquipBasisNetGrp/EOYAmt025759957
IRS990/LandBldgEquipCostOrOtherBssAmt045111891
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt04002279
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt025607763
IRS990/LessRentalExpensesGrp/RealAmt0863980
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WE ARE A MEMBER OWNED, NOT-FOR-PROFIT FINANCIAL COOPERATIVE; WE EXIST TO SERVE - TO ENRICH LIVES AND BUILD BETTER FUTURES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt05000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt045000000
IRS990/NetAssetsOrFundBalancesBOYAmt089449593
IRS990/NetAssetsOrFundBalancesEOYAmt093664442
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0258066
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0258066
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0221824
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0221824
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-1448640
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01724488
IRS990/OfficeExpensesGrp/TotalAmt01743923
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt059888091
IRS990/OtherAssetsTotalGrp/EOYAmt066290807
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01303918
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1ATM EXPENSES
IRS990/OtherExpensesGrp/Desc2LOAN PROGRAM/SERVICING
IRS990/OtherExpensesGrp/Desc3CREDIT CARD PROGRAM COS
IRS990/OtherExpensesGrp/TotalAmt03542144
IRS990/OtherExpensesGrp/TotalAmt12153907
IRS990/OtherExpensesGrp/TotalAmt21255977
IRS990/OtherExpensesGrp/TotalAmt3750504
IRS990/OtherLiabilitiesGrp/BOYAmt0836287849
IRS990/OtherLiabilitiesGrp/EOYAmt0833611647
IRS990/OtherSalariesAndWagesGrp/TotalAmt011586686
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0626941229
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0743144866
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01045337
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0469134
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01371509
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01532205
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/RelatedOrExemptFuncIncomeAmt030061946
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt15181141
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt23087558
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt030061946
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt15346959
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23087558
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0165818
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, 2018, USE CREDIT UNION MEMBERS HELD 37,329 MORTGAGE, HOME EQUITY, VEHICLE, CREDIT CARD, AND VARIOUS OTHER PERSONAL LOANS TOTALING OVER $749 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 30,000 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, 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/PYBenefitsPaidToMembersAmt01835971
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt05512132
IRS990/PYOtherExpensesAmt017038042
IRS990/PYOtherRevenueAmt0185446
IRS990/PYProgramServiceRevenueAmt033260963
IRS990/PYRevenuesLessExpensesAmt05638738
IRS990/PYSalariesCompEmpBnftPaidAmt014445790
IRS990/PYTotalExpensesAmt033319803
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt038958541
IRS990/ReconcilationRevenueExpnssAmt05663489
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0221824
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt089449593
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt093664442
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Expended527ActivitiesAmt00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt06205
IRS990ScheduleC/PoliticalExpendituresAmt06205
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0942329967
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CCUL PAC
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt06205
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt01201 K STREET SUITE 1050
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0SACRAMENTO
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0CA
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd095814
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 PERIODICALLY BY EITHER PERSONAL FUNDS OR THROUGH PAC CONTRIBUTIONS.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I-A, LINE 1:
IRS990ScheduleC/TotalExemptFunctionExpendAmt06205
IRS990ScheduleC/VolunteerHoursCnt00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt012465177
IRS990ScheduleD/BuildingsGrp/DepreciationAmt06476470

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$974,347,002
Liabilities
$880,682,560
Net assets
$93,664,442
Revenue
$42,943,870
Expenses
$37,280,381
Net income
$5,663,489
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