Civic Intelligence

University & State Employees Credit Union

990 • Fiscal year 2020 • EIN 95-1209332

Jan 01, 2020 to Dec 31, 2020 • Filed on Oct 11, 2021

Organization ProfileWWW.USECU.ORG

View Organization Page

10120 Pacific Heights Blvd No 100San Diego, CA 92121

(858) 795-6000

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

72nd percentile

0.91x

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

2020 filings • 501(c)14 • $1B+ nonprofits • Source year 2020

Liabilities / Revenue

86th percentile

25.94x

Higher debt load relative to revenue than 86% of similar nonprofits.

2020 filings • 501(c)14 • $1B+ nonprofits • Source year 2020

Net Margin

9th percentile

4.7%

Higher net margin than 9% of similar nonprofits.

2020 filings • 501(c)14 • $1B+ nonprofits • Source year 2020

Top Officer Pay

30th percentile

$726,497

Higher top officer pay than 30% of similar nonprofits.

Top officer pay equals 1.8% of source-year revenue.

2020 filings • 501(c)14 • $1B+ nonprofits • Source year 2020

Asset Growth

25th percentile

15%

Faster asset growth than 25% of similar nonprofits.

2020 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2019 to 2020

Revenue Growth

6th percentile

-13%

Faster revenue growth than 6% of similar nonprofits.

2020 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$1,176,783,982

Up $153,087,931 (+15%) from 2019

Net Assets

Up

$105,664,417

Up $3,203,151 (+3.1%) from 2019

Liabilities

Up

$1,071,119,565

Up $149,884,780 (+16%) from 2019

Revenue And Expenses
Liabilities / Revenue86th percentileNet Margin9th percentile

Revenue

Down

$41,288,386

Down $6,142,697 (-13%) from 2019

Expenses

Down

$39,368,354

Down $390,193 (-1.0%) from 2019

Net Income

Down

$1,920,032

Down $5,752,504 (-75%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth25th 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

2020

Assets$1,176,783,982
Liabilities$1,071,119,565
Net Assets$105,664,417
Open 2020 Filing

Operations Trend

Revenue Growth6th 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

2020

Revenue$41,288,386
Expenses$39,368,354
Net Income$1,920,032
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Oct 11, 2021
Return Version
2020v4.1
Gross Receipts
$74,894,030
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$760,442,356$694,957,446▼ $65,484,910
Cash and Non-Interest-Bearing Accounts$65,571,016$276,105,865▲ $210,534,849
Rtn Earn Endowment Incm Other Fnds$102,461,266$105,664,417▲ $3,203,151
Investments Other Securities$101,368,622$102,809,787▲ $1,441,165
Land, Buildings, and Equipment, Net$24,267,398$24,482,175▲ $214,777
Prepaid Expenses and Deferred Charges$2,083,505$1,712,829▼ $370,676
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,023,696,051$1,176,783,982▲ $153,087,931
Other Assets Total$69,963,154$76,715,880▲ $6,752,726
Liabilities
Other Liabilities$873,259,953$1,031,944,339▲ $158,684,386
Mortgage Notes Payable Secured by Investment Property$45,000,000$37,000,000▼ $8,000,000
Escrow Account Liability$2,974,832$2,175,226▼ $799,606
Total Liabilities$921,234,785$1,071,119,565▲ $149,884,780
Net Assets / Fund Balance
Total Net Assets Fund Balance$102,461,266$105,664,417▲ $3,203,151
Total Liabilities and Net Assets / Fund Balance$1,023,696,051$1,176,783,982▲ $153,087,931

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$10,809,643$8,209,250$19,018,893
Equipment$4,589,992$11,960,607$16,550,599
Land$8,257,243-$8,257,243
Leasehold Improvements$825,297$4,090,012$4,915,309
Other Assets Org$6,014,198--
Other Securities$24,958,648--
Compensation and Service Providers
Top Officer Pay30th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
James HarrisPresident/CEOFT$452,235$201,998$654,233
Todd TharpSVP/CFO/secretaryFT$266,945$108,761$375,706
Shelley DuckartSr Community Mortgage SpecialistFT$102,830$244,560$347,390
Matthew LyonsSVP/chief Lending OfficerFT$256,074$88,206$344,280
Laura YoungSVP/chief Human ResourcesFT$258,171$83,166$341,337
Stephen EwersSVP/chief Information OfficerFT$213,746$118,043$331,789
Paris ChevalierSVP/chief Experience OfficerFT$230,240$96,711$326,951
Kathleen Dallas-orrSr Community Mortgage SpecialistFT$95,361$190,299$285,660
Karen SmithVP LendingFT$195,882$41,063$236,945
Nathaniel FrichtelVP Business TechnologyFT$169,641$42,307$211,948
Charles WilliamsVP Enterprise Risk Mgmt & ComplianceFT$174,509$27,944$202,453

Board Members and Trustees

NameTitle
Beverly RandezChair
Joshua LawrenceVice Chair
David ElyDirector
Les OvermanDirector
Matt AdamsDirector
Scot EinsendrathDirector
Steve St MarieDirector
Tony CherinDirector
Yvonne L MarshDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Ncr CorporationOnline Banking / Website Hosting Service858 SPRING STEET NW, Atlanta, GA 30308$1,121,131
Sf Networx LLCData Warehouse / Consulting Services304 S JONES BOULEVARD SUITE 5512, Las Vegas, NV 89107$792,778
Worldpay Holding LLCCardholder Services8500 GOVERNORS HILL DRIVE, Symmes Township, OH 45249$656,341
Mastercard InternationalCardholder Services2200 MASTERCARD BOULEVARD, Ofallon, MO 63368$656,324
Ism Crm Consultants INCData Warehouse / Consulting Services6900 WISCONSIN AVENUE SUITE 605, Bethesda, MD 20815$441,436
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$36,745,482
Investment Income
$4,305,376
Other Revenue
$237,528
Change in Net Assets
$1,920,032
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$18,327,643
Other Expenses$17,420,523
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$12,921,914
Benefits to Members---$3,620,188
Information Technology---$3,072,160
Current Officers, Directors, Trustees, and Key Employees---$2,578,456
Depreciation Depletion---$1,983,873
Occupancy---$1,931,065
Office Expenses---$1,792,199
Other Employee Benefits---$1,318,474
Payroll Taxes---$1,121,842
Advertising---$1,117,503
Fees for Services Other---$795,369
Other Expenses---$564,564
Interest---$452,820
All Other Expenses---$388,265
Pension Plan Contributions---$386,957
Fees for Services Legal---$280,150
Fees for Services Accounting---$225,809
Insurance---$216,574
Conferences and Meetings---$139,257
Travel---$41,841
Total Functional Expenses$0$0$0$39,368,354
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$6,358
Total Exempt Function Spending$6,358
Section 527 Activity Spending$0

Section 527 Organizations

OrganizationLocationAmount
94-2329967Sacramento, CA$6,358
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$1,021,818,430
Other Liabilities$10,125,909
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
8587956000
Address
10120 PACIFIC HEIGHTS BLVD NO 100, SAN DIEGO, CA 92121
Doing Business As
Use Credit Union

Signing Officer

Name
Todd Tharp
Title
CEO/president & SVP, CFO
Phone
8587956000
Signed
2021-10-11
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
211
Volunteers
16

Preparer

Firm
Rsm US Llp
Address
801 NICOLLET MALL WEST TOWER STE, 1200, MINNEAPOLIS, MN 55402-2526
Preparer
Kacie Mcewen
Phone
6123324300
Supplemental Narrative

Additional Explanations

Form 990, Part I, Item C

“DBA: USE CREDIT UNION”

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 12/31/2020 escrow balances totaled $2,175,226 and the value of assets for which the credit union serves as custodian was $337,644.”

PART X, LINE 2:

“For the years ended december 31, 2020 and 2019, management determined that there are no material uncertain tax positions.”

Raw XML AppendixShowing 400 of 751 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/ActivityOrMissionDesc0WE TRANSFORM LIVES BY MAKING DREAMS HAPPEN!
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IRS990/CreditCounselingInd01
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IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
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IRS990/Desc0MEMBERSHIP IN USE CREDIT UNION PROVIDES ACCESS TO A ROBUST ARRAY OF QUALITY FINANCIAL SERVICES AND PRODUCTS INCLUDING CHECKING AND SAVINGS ACCOUNTS. UNLIKE BANKS, WHICH RETURN THEIR PROFITS TO SHAREHOLDERS, USE CREDIT UNION RETURNS ITS PROFITS TO MEMBERS IN THE FORM OF HIGHER RATES ON DEPOSITS AND A HOST OF FREE AND LOW-COST SERVICES. AS OF DECEMBER 31, 2020, USE CREDIT UNION MEMBERS HELD 73,144 DEPOSIT ACCOUNTS TOTALING OVER $1,022 MILLION. THESE ACCOUNTS INCLUDED FREE CHECKING, LOW-BALANCE SAVINGS, IRA'S, AND HIGH-YIELD MONEY MARKET AND TERM INVESTMENT ACCOUNTS.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt9110981
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1073858
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1167465
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1252526
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1360031
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1434717
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1521996
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1620820
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1725743
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1818531
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1936695
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IRS990/Form990PartVIISectionAGrp/PersonNm1JOSHUA LAWRENCE
IRS990/Form990PartVIISectionAGrp/PersonNm2MATT ADAMS
IRS990/Form990PartVIISectionAGrp/PersonNm3TONY CHERIN
IRS990/Form990PartVIISectionAGrp/PersonNm4SCOT EINSENDRATH
IRS990/Form990PartVIISectionAGrp/PersonNm5DAVID ELY
IRS990/Form990PartVIISectionAGrp/PersonNm6STEVE ST MARIE
IRS990/Form990PartVIISectionAGrp/PersonNm7YVONNE L MARSH
IRS990/Form990PartVIISectionAGrp/PersonNm8LES OVERMAN
IRS990/Form990PartVIISectionAGrp/PersonNm9JAMES HARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm10TODD THARP
IRS990/Form990PartVIISectionAGrp/PersonNm11PARIS CHEVALIER
IRS990/Form990PartVIISectionAGrp/PersonNm12LAURA YOUNG
IRS990/Form990PartVIISectionAGrp/PersonNm13MATTHEW LYONS
IRS990/Form990PartVIISectionAGrp/PersonNm14STEPHEN EWERS
IRS990/Form990PartVIISectionAGrp/PersonNm15SHELLEY DUCKART
IRS990/Form990PartVIISectionAGrp/PersonNm16KATHLEEN DALLAS-ORR
IRS990/Form990PartVIISectionAGrp/PersonNm17KAREN SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm18CHARLES WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm19NATHANIEL FRICHTEL
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/ReportableCompFromOrgAmt9615516
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10330203
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11286353
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12318562
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13315931
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14297072
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15324692
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16264361
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17211000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18181422
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19175253
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
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 EXPERIENCE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP/CHIEF HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP/CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP/CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15SR COMMUNITY MORTGAGE SPECIALIST
IRS990/Form990PartVIISectionAGrp/TitleTxt16SR COMMUNITY MORTGAGE SPECIALIST
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP ENTERPRISE RISK MGMT & COMPLIANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP BUSINESS TECHNOLOGY
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01936
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt01357018
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt034031058
IRS990/GrossReceiptsAmt074894030
IRS990/GrossRentsGrp/RealAmt01169132
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt040
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt03072160
IRS990/InsuranceGrp/TotalAmt0216574
IRS990/InterestGrp/TotalAmt0452820
IRS990/InvestmentIncomeGrp/ExclusionAmt02948358
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02948358
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0101368622
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0102809787
IRS990/IRPDocumentCnt016724
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt024259869
IRS990/LandBldgEquipBasisNetGrp/BOYAmt024267398
IRS990/LandBldgEquipBasisNetGrp/EOYAmt024482175
IRS990/LandBldgEquipCostOrOtherBssAmt048742044
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt032674040
IRS990/LessRentalExpensesGrp/RealAmt0931604
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/EOYAmt037000000
IRS990/NetAssetsOrFundBalancesBOYAmt0102461266
IRS990/NetAssetsOrFundBalancesEOYAmt0105664417
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt01357018
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt01357018
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0237528
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0237528
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt01283119
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01931065
IRS990/OfficeExpensesGrp/TotalAmt01792199
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt069963154
IRS990/OtherAssetsTotalGrp/EOYAmt076715880
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01318474
IRS990/OtherExpensesGrp/Desc0LOAN PROGRAM/SERVICING
IRS990/OtherExpensesGrp/Desc1ATM EXPENSES
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3CREDIT CARD PROGRAM COS
IRS990/OtherExpensesGrp/TotalAmt01848951
IRS990/OtherExpensesGrp/TotalAmt11442617
IRS990/OtherExpensesGrp/TotalAmt21127506
IRS990/OtherExpensesGrp/TotalAmt3564564
IRS990/OtherLiabilitiesGrp/BOYAmt0873259953
IRS990/OtherLiabilitiesGrp/EOYAmt01031944339
IRS990/OtherSalariesAndWagesGrp/TotalAmt012921914
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0760442356
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0694957446
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01121842
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0386957
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02083505
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01712829
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/RelatedOrExemptFuncIncomeAmt031102901
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13135311
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22413150
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt031102901
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13229431
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22413150
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt094120
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, 2020, USE CREDIT UNION MEMBERS HELD 31,024 MORTGAGE, HOME EQUITY, VEHICLE, CREDIT CARD, AND VARIOUS OTHER PERSONAL LOANS TOTALING OVER $702 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 32,000 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/PYBenefitsPaidToMembersAmt03359668
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt06891574
IRS990/PYOtherExpensesAmt018841760
IRS990/PYOtherRevenueAmt0183393
IRS990/PYProgramServiceRevenueAmt040356116
IRS990/PYRevenuesLessExpensesAmt07672536
IRS990/PYSalariesCompEmpBnftPaidAmt017557119
IRS990/PYTotalExpensesAmt039758547
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt047431083
IRS990/ReconcilationRevenueExpnssAmt01920032
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0237528
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0102461266
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0105664417
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Expended527ActivitiesAmt00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt06358
IRS990ScheduleC/PoliticalExpendituresAmt06358
IRS990ScheduleC/Section527PoliticalOrgGrp/ContributionsRcvdDlvrAmt00
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0942329967
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CCUL PAC
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt06358
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.

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,176,783,982
Liabilities
$1,071,119,565
Net assets
$105,664,417
Revenue
$41,288,386
Expenses
$39,368,354
Net income
$1,920,032
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