Civic Intelligence

University & State Employees Credit Union

990 • Fiscal year 2019 • EIN 95-1209332

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 09, 2020

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

72nd percentile

0.90x

Higher debt load relative to assets than 72% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Liabilities / Revenue

71st percentile

19.42x

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

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Net Margin

40th percentile

16%

Higher net margin than 40% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Top Officer Pay

17th percentile

$596,493

Higher top officer pay than 17% of similar nonprofits.

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

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Asset Growth

24th percentile

5.1%

Faster asset growth than 24% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Revenue Growth

39th percentile

10%

Faster revenue growth than 39% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$1,023,696,051

Up $49,349,049 (+5.1%) from 2018

Net Assets

Up

$102,461,266

Up $8,796,824 (+9.4%) from 2018

Liabilities

Up

$921,234,785

Up $40,552,225 (+4.6%) from 2018

Revenue And Expenses
Liabilities / Revenue71st percentileNet Margin40th percentile

Revenue

Up

$47,431,083

Up $4,487,213 (+10%) from 2018

Expenses

Up

$39,758,547

Up $2,478,166 (+6.6%) from 2018

Net Income

Up

$7,672,536

Up $2,009,047 (+35%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth24th 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

2019

Assets$1,023,696,051
Liabilities$921,234,785
Net Assets$102,461,266
Open 2019 Filing

Operations Trend

Revenue Growth39th 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

2019

Revenue$47,431,083
Expenses$39,758,547
Net Income$7,672,536
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 9, 2020
Return Version
2019v5.1
Gross Receipts
$48,351,899
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$743,144,866$760,442,356▲ $17,297,490
Rtn Earn Endowment Incm Other Fnds$93,664,442$102,461,266▲ $8,796,824
Investments Other Securities$97,056,368$101,368,622▲ $4,312,254
Cash and Non-Interest-Bearing Accounts$40,562,799$65,571,016▲ $25,008,217
Land, Buildings, and Equipment, Net$25,759,957$24,267,398▼ $1,492,559
Prepaid Expenses and Deferred Charges$1,532,205$2,083,505▲ $551,300
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$974,347,002$1,023,696,051▲ $49,349,049
Other Assets Total$66,290,807$69,963,154▲ $3,672,347
Liabilities
Other Liabilities$833,611,647$873,259,953▲ $39,648,306
Mortgage Notes Payable Secured by Investment Property$45,000,000$45,000,000→ $0
Escrow Account Liability$2,070,913$2,974,832▲ $903,919
Total Liabilities$880,682,560$921,234,785▲ $40,552,225
Net Assets / Fund Balance
Total Net Assets Fund Balance$93,664,442$102,461,266▲ $8,796,824
Total Liabilities and Net Assets / Fund Balance$974,347,002$1,023,696,051▲ $49,349,049

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$11,598,769$7,349,858$18,948,627
Equipment$3,344,877$10,639,040$13,983,917
Land$8,257,243-$8,257,243
Leasehold Improvements$1,066,509$3,839,755$4,906,264
Other Assets Org$6,000,730--
Other Securities$34,217,255--
Compensation and Service Providers
Top Officer Pay17th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
James HarrisPresident/CEOFT$435,202$166,091$601,293
Laura YoungSVP/chief Human ResourcesFT$244,038$117,398$361,436
Stephen EwersSVP/chief Information OfficerFT$233,807$111,554$345,361
Todd TharpSVP/CFO/secretaryFT$263,813$73,623$337,436
Mathew LyonsSVP/chief Lending OfficerFT$240,491$79,607$320,098
Paris ChevalierSVP/chief Experience OfficerFT$211,135$52,605$263,740
Karen SmithVP LendingFT$185,703$39,015$224,718
Kathleen Dallas-orrSr Community Mortgage SpecialistFT$185,945$26,347$212,292
Nathaniel FrichtelVP Business TechnologyFT$156,924$53,468$210,392
Shelley DuckartSr Community Mortgage SpecialistFT$175,409$27,721$203,130
Johanna CrainVP Retail NetworkFT$142,409$30,453$172,862

Board Members and Trustees

NameTitle
Les OvermanChair (jan-may)/director
Joshua LawrenceVice Chair (as of May 2019)
Beverly RandezVice Chair (jan-may)/chair (may-dec)
David ElyDirector
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$1,037,394
Ncr CorporationOnline Banking / Website Hosting Service858 SPRING STEET NW, Atlanta, GA 30308$967,690
Advanced Network INCAtm Services8940 ACTIVITY ROAD SUITE F, San Diego, CA 92126$450,952
Cornerstone Advisors INCAdvisory Services7272 E INDIAN SCHOOL ROAD STE 400, Scottsdale, AZ 85251$447,466
LightstreamMarketing Services179 WEST BROAD STREET, Telford, PA 18969$442,547
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$40,356,116
Investment Income
$6,891,574
Other Revenue
$183,393
Change in Net Assets
$7,672,536
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$18,841,760
Salaries, Compensation, and Employee Benefits$17,557,119
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$12,422,018
Benefits to Members---$3,359,668
Information Technology---$2,478,294
Current Officers, Directors, Trustees, and Key Employees---$2,229,362
Depreciation Depletion---$1,960,677
Occupancy---$1,796,855
Office Expenses---$1,721,012
Other Employee Benefits---$1,235,876
Advertising---$1,189,488
Payroll Taxes---$1,134,443
Interest---$1,093,199
Fees for Services Other---$955,721
Other Expenses---$916,432
Pension Plan Contributions---$535,420
All Other Expenses---$356,990
Conferences and Meetings---$284,658
Travel---$191,708
Fees for Services Accounting---$185,727
Fees for Services Legal---$147,260
Insurance---$138,364
Total Functional Expenses$0$0$0$39,758,547
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$6,330
Total Exempt Function Spending$6,330
Section 527 Activity Spending$0

Section 527 Organizations

OrganizationLocationAmount
94-2329967Sacramento, CA$6,330
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$865,251,940
Other Liabilities$8,008,013
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 35% controlled entity
No
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.”

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
2020-11-09
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 12/31/2019 escrow balances totaled $1,954,237 and the value of assets for which the credit union serves as custodian was $1,020,595.”

PART X, LINE 2:

“For the years ended december 31, 2019 and 2018, management determined that there are no material uncertain tax positions.”

Raw XML AppendixShowing 400 of 750 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/OtherCompensationAmt623679
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt717412
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt835073
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt916349
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt108553
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt160
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt170
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt180
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt190
IRS990/Form990PartVIISectionAGrp/PersonNm0JAMES HARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm1LAURA YOUNG
IRS990/Form990PartVIISectionAGrp/PersonNm2STEPHEN EWERS
IRS990/Form990PartVIISectionAGrp/PersonNm3TODD THARP
IRS990/Form990PartVIISectionAGrp/PersonNm4MATHEW LYONS
IRS990/Form990PartVIISectionAGrp/PersonNm5PARIS CHEVALIER
IRS990/Form990PartVIISectionAGrp/PersonNm6KAREN SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm7KATHLEEN DALLAS-ORR
IRS990/Form990PartVIISectionAGrp/PersonNm8NATHANIEL FRICHTEL
IRS990/Form990PartVIISectionAGrp/PersonNm9SHELLEY DUCKART
IRS990/Form990PartVIISectionAGrp/PersonNm10JOHANNA CRAIN
IRS990/Form990PartVIISectionAGrp/PersonNm11LES OVERMAN
IRS990/Form990PartVIISectionAGrp/PersonNm12BEVERLY RANDEZ
IRS990/Form990PartVIISectionAGrp/PersonNm13JOSHUA LAWRENCE
IRS990/Form990PartVIISectionAGrp/PersonNm14MATT ADAMS
IRS990/Form990PartVIISectionAGrp/PersonNm15TONY CHERIN
IRS990/Form990PartVIISectionAGrp/PersonNm16SCOT EINSENDRATH
IRS990/Form990PartVIISectionAGrp/PersonNm17DAVID ELY
IRS990/Form990PartVIISectionAGrp/PersonNm18YVONNE L MARSH
IRS990/Form990PartVIISectionAGrp/PersonNm19STEVE ST MARIE
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0564793
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1342318
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2308152
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3318352
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4291271
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5232281
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6200904
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7194317
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8175318
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9186080
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10160290
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt190
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/TitleTxt0PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1SVP/CHIEF HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt2SVP/CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SVP/CFO/SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4SVP/CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt5SVP/CHIEF EXPERIENCE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt6VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt7SR COMMUNITY MORTGAGE SPECIALIST
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP BUSINESS TECHNOLOGY
IRS990/Form990PartVIISectionAGrp/TitleTxt9SR COMMUNITY MORTGAGE SPECIALIST
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP RETAIL NETWORK
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHAIR (JAN-MAY)/DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12VICE CHAIR (JAN-MAY)/CHAIR (MAY-DEC)
IRS990/Form990PartVIISectionAGrp/TitleTxt13VICE CHAIR (AS OF MAY 2019)
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR
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IRS990/Form990TFiledInd01
IRS990/FormationYr01936
IRS990/FormerOfcrEmployeesListedInd00
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt02705797
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt02705797
IRS990/GrossReceiptsAmt048351899
IRS990/GrossRentsGrp/RealAmt01104209
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt033
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02478294
IRS990/InsuranceGrp/TotalAmt0138364
IRS990/InterestGrp/TotalAmt01093199
IRS990/InvestmentIncomeGrp/ExclusionAmt04185777
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04185777
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt097056368
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0101368622
IRS990/IRPDocumentCnt015905
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt021828653
IRS990/LandBldgEquipBasisNetGrp/BOYAmt025759957
IRS990/LandBldgEquipBasisNetGrp/EOYAmt024267398
IRS990/LandBldgEquipCostOrOtherBssAmt046096051
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LessRentalExpensesGrp/RealAmt0920816
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/BOYAmt045000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt045000000
IRS990/NetAssetsOrFundBalancesBOYAmt093664442
IRS990/NetAssetsOrFundBalancesEOYAmt0102461266
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt02705797
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt02705797
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0183393
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0183393
IRS990/NetUnrelatedBusTxblIncmAmt0-308955
IRS990/NetUnrlzdGainsLossesInvstAmt01124288
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01796855
IRS990/OfficeExpensesGrp/TotalAmt01721012
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt066290807
IRS990/OtherAssetsTotalGrp/EOYAmt069963154
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01235876
IRS990/OtherExpensesGrp/Desc0ATM EXPENSES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN PROGRAM/SERVICING
IRS990/OtherExpensesGrp/Desc3CREDIT CARD PROGRAM COS
IRS990/OtherExpensesGrp/TotalAmt01995904
IRS990/OtherExpensesGrp/TotalAmt11721434
IRS990/OtherExpensesGrp/TotalAmt21708037
IRS990/OtherExpensesGrp/TotalAmt3916432
IRS990/OtherLiabilitiesGrp/BOYAmt0833611647
IRS990/OtherLiabilitiesGrp/EOYAmt0873259953
IRS990/OtherSalariesAndWagesGrp/TotalAmt012422018
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0743144866
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0760442356
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01134443
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0535420
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01532205
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02083505
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/RelatedOrExemptFuncIncomeAmt033502961
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14261174
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22424243
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt033502961
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14428912
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22424243
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0167738
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, 2019, USE CREDIT UNION MEMBERS HELD 33,590 MORTGAGE, HOME EQUITY, VEHICLE, CREDIT CARD, AND VARIOUS OTHER PERSONAL LOANS TOTALING OVER $766 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 31,000 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/PYBenefitsPaidToMembersAmt01825057
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt04225583
IRS990/PYOtherExpensesAmt019273273
IRS990/PYOtherRevenueAmt0221824
IRS990/PYProgramServiceRevenueAmt038496463
IRS990/PYRevenuesLessExpensesAmt05663489
IRS990/PYSalariesCompEmpBnftPaidAmt016182051
IRS990/PYTotalExpensesAmt037280381
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt042943870
IRS990/ReconcilationRevenueExpnssAmt07672536
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0183393
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt093664442
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0102461266
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Expended527ActivitiesAmt00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt06330
IRS990ScheduleC/PoliticalExpendituresAmt06330
IRS990ScheduleC/Section527PoliticalOrgGrp/ContributionsRcvdDlvrAmt00
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0942329967
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CCUL PAC
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt06330
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt01201 K STREET SUITE 1050
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0SACRAMENTO
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0CA
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd095814

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,023,696,051
Liabilities
$921,234,785
Net assets
$102,461,266
Revenue
$47,431,083
Expenses
$39,758,547
Net income
$7,672,536
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