Liabilities / Assets
4th percentile
Tied with the lowest-debt nonprofits in its peer group.
Credit Unions in the State of California
EIN 95-1244887 • 501(c)14 • Bakersfield, CA
Profile
A cooperative, organized for the purpose of promoting thrift and savings among its members, creating a source of credit for them at rates of interest set by the board of directors, and providing an opportunity for them to use and control their own money on a democratic basis in order to improve their economic and social conditions. As a cooperative, chevron valley credit union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefits, or services of the credit union being distributed to its members as patrons.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.00x
Liabilities / Revenue
26th percentile
Tied with the lowest-debt nonprofits in its peer group.
Net Margin
22nd percentile
Higher net margin than 22% of similar nonprofits.
Top Officer Pay
Score unavailable
No filing with officer rows is available for this organization yet.
Asset Growth
25th percentile
Faster asset growth than 25% of similar nonprofits.
Revenue Growth
7th percentile
Faster revenue growth than 7% of similar nonprofits.
Balance Sheet
Assets
Down$1
Down $124,667,430 (-100%) from 2016
Liabilities
Down$0
Down $110,963,343 (-100%) from 2016
Net Assets
Down$0
Down $13,704,088 (-100%) from 2016
Revenue
Down$1,107,809
Down $5,933,246 (-84%) from 2016
Expenses
Down$1,374,853
Down $5,644,296 (-80%) from 2016
Net Income
Down-$267,044
Down $288,950 (-1319%) from 2016
Trend Graphs
Filings
Most recent year
2017 • Form 990Summary only. Only limited summary data is available for this year.
- Assets
- $1
- Liabilities
- $0
- Net assets
- $0
- Revenue
- $1,107,809
- Expenses
- $1,374,853
- Net income
- -$267,044
Latest Detailed Filing
The latest 2017 filing currently has summary financial data only. Showing the latest detailed filing from 2015 below.
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2015 to Dec 31, 2015
- Signed
- Oct 21, 2016
- Return Version
- 2015v2.1
- Gross Receipts
- $7,026,294
Mission and Program Overview
Mission
A cooperative, organized for the purpose of promoting thrift and savings among its members, creating a source of credit for them at rates of interest set by the board of directors, and providing an opportunity for them to use and control their own money on a democratic basis in order to improve their economic and social conditions. As a cooperative, chevron valley credit union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefits, or services of the credit union being distributed to its members as patrons.
A cooperative, organized for the purpose of promoting thrift and savings among its members.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments Program Related | $76,803,540 | $73,453,949 | ▼ $3,349,591 |
| Investments in Publicly Traded Securities | $21,421,956 | $30,377,024 | ▲ $8,955,068 |
| Savings and Temporary Cash Investments | $16,015,943 | $14,284,473 | ▼ $1,731,470 |
| Rtn Earn Endowment Incm Other Fnds | $13,602,627 | $13,779,678 | ▲ $177,051 |
| Land, Buildings, and Equipment, Net | $4,640,349 | $4,513,476 | ▼ $126,873 |
| Cash and Non-Interest-Bearing Accounts | $2,449,052 | $2,131,044 | ▼ $318,008 |
| Prepaid Expenses and Deferred Charges | $618,692 | $589,058 | ▼ $29,634 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $122,851,391 | $126,189,674 | ▲ $3,338,283 |
| Other Assets Total | $901,859 | $840,650 | ▼ $61,209 |
| Liabilities | |||
| Other Liabilities | $107,869,500 | $110,360,573 | ▲ $2,491,073 |
| Accounts Payable and Accrued Expenses | $1,379,264 | $2,049,423 | ▲ $670,159 |
| Total Liabilities | $109,248,764 | $112,409,996 | ▲ $3,161,232 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $13,602,627 | $13,779,678 | ▲ $177,051 |
| Total Liabilities and Net Assets / Fund Balance | $122,851,391 | $126,189,674 | ▲ $3,338,283 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,791,439 | $1,128,807 | $2,920,246 |
| Land | $2,410,843 | - | $2,410,843 |
| Equipment | $215,616 | $1,657,446 | $1,873,062 |
| Other Land Buildings | $95,578 | $995,405 | $1,090,983 |
| Leasehold Improvements | $0 | $633,985 | $633,985 |
| Investment Program Related Org | $309,407 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Neil Sawyer | President/CEO | FT | $159,215 | $54,651 | $213,866 |
| Gail May | VP of Lending/it | FT | $84,342 | $41,242 | $125,584 |
| Carol Dobbs | Vice President/CFO | FT | $99,163 | $11,169 | $110,332 |
| Marie Rodriquez | VP of Operations | FT | $91,540 | $15,894 | $107,434 |
| Kathryn Shaffer | VP of Sales & Member Services | FT | $79,871 | $25,807 | $105,678 |
| Brandon Hall | VP of Marketing and Strategic Planning | FT | $83,554 | $9,969 | $93,523 |
| Elizabeth Norris | VP of Training & Business Development | FT | $83,424 | $9,650 | $93,074 |
Board Members and Trustees
| Name | Title |
|---|---|
| Vernon Powers | Chairman |
| Lorraine Dolan | Supv Cmte Chairperson |
| Tracy Chitwood | Vice Chairman |
| Dawn Cole | Director |
| Diane Jones | Director |
| Richard Ross | Director |
| Ronald Wolfe | Director |
| Becky Napier | Secretary/treasurer |
| Janice Dillingham | Supv Cmte Member |
| Sharon Foreman | Supv Cmte Member |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $6,624,094
- Investment Income
- $402,200
- Other Revenue
- $0
- Change in Net Assets
- $272,574
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $3,776,952 |
| Salaries, Compensation, and Employee Benefits | $2,976,768 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,783,349 |
| Office Expenses | - | - | - | $781,387 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $689,547 |
| Occupancy | - | - | - | $452,251 |
| Information Technology | - | - | - | $387,564 |
| Fees for Services Other | - | - | - | $293,378 |
| Depreciation Depletion | - | - | - | $207,036 |
| Payroll Taxes | - | - | - | $196,989 |
| Other Employee Benefits | - | - | - | $184,282 |
| Interest | - | - | - | $141,963 |
| Advertising | - | - | - | $125,182 |
| Pension Plan Contributions | - | - | - | $122,601 |
| Fees for Service Investment Mgmnt Fees | - | - | - | $32,040 |
| Travel | - | - | - | $24,891 |
| Fees for Services Accounting | - | - | - | $24,021 |
| Other Expenses | - | - | - | $13,479 |
| Fees for Services Legal | - | - | - | $12,149 |
| Total Functional Expenses | $0 | $0 | $0 | $6,753,720 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Share Deposits | $110,360,573 |
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
- No
- Key decisions subject to board approval
- Yes
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Section A, Line 6
“Chevron valley credit union is a cooperative financial institution that is owned and controlled by its members, and operated for the purpose of promoting thrift and savings to its members. Chevron valley credit union does not have stockholders.”
Form 990, Part VI, Section A, Line 7A
“The governing board of chevron valley credit union is comprised of volunteer members who are directly elected by its members. Each member of the governing board serves for a period as prescribed by our by-laws.”
Form 990, Part VI, Section A, Line 7B
“At the end of each term of the board members, elections are held and board members are voted by the members of the credit union pursuant to its by-laws. Member votes are also required to ratify decisions dealing with reorganizations as in the case of merger or dissolution.”
Form 990, Part VI, Section B, Line 11
“A review of the 990 will be done by the ceo prior to filing. A copy of the 990 will be provided to the board of directors for review prior to filing.”
Form 990, Part VI, Section B, Line 12C
“All newly hired employees and newly elected board of directors are trained and must sign acknowledgement that they have been trained and understand the conflict of interest policies. Additional training is conducted on an annual basis for all staff and volunteers and acknowledgements are signed. The credit union maintains a log of all training completed to ensure consistency and completeness of training.”
Form 990, Part VI, Section B, Line 15
“A salary range matrix for each executive and staff position is compiled using data from industry salary surveys that are obtained from cues (credit union executive society) and cuna (credit union national association). The board of directors approves all changes made to the salary range matrix. The board of directors sets and approves the ceo's salary based on the salary survey information. The chairman of the board signs a memo authorizing ceo's salary change, and this is given to payroll administrator to process. The last approved change to the salary range matrix was (7/20/2011). The ceo approves all other executive and staff salaries. All salaries must be within the board of directors approved salary range matrix or other guidelines. A memo approving all salary changes is signed by the ceo and given to the payroll adminsitrator to process.”
Form 990, Part VI, Section C, Line 19
“Current financial statements are on display at all branches. Notices are posted that state "our governing document and conflict of interest policy are available for inspection upon request."”
Filing and Contact Details
Filer
- Filer Name
- Chevron Valley Credit Union
- EIN
- 95-1244887
- Phone
- 6615877250
- Address
- 8200 GRANITE FALLS DRIVE, BAKERSFIELD, CA 93312
Signing Officer
- Name
- Neil Sawyer
- Title
- President/CEO
- Phone
- 6615877250
- Signed
- 2016-10-21
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Neil Sawyer
- Formed
- 1935
- Legal Domicile
- CA
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 53
- Volunteers
- 10
Preparer
- Firm
- Turner Warren Hwang & Conrad Acctcy
- Address
- 100 NORTH FIRST ST STE 202, BURBANK, CA 91502
- Preparer
- Valentino Creus CPA
- Phone
- 8189549700
Supplemental Narrative
Additional Explanations
FORM 990, PART XII, LINE 2C:
“The organization has not changed its oversight process or selection process during the tax year.”
Financial Statement Notes
PART X, LINE 2:
“Fasb asc 740-10-65, income taxes, provides guidance for how uncertain tax positions should be recognized, measured, disclosed and presented in the financial statements. This requires the evaluation of tax positions taken or expected to be taken in the course of preparing the credit union's tax returns to determine whether the tax positions are "more likely than not" of being sustained "when challenged or "when examined" by the applicable tax authority. Tax positions deemed to not meet the more-likely-than-not threshold would be recorded as a tax expense and liability in the current year. For the year ended september 30, 2015, management has determined that there are no material uncertain tax positions and, accordingly, has not recorded a liability for the payment of interest or penalties.”
Raw XML AppendixShowing 400 of 469 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/Desc | 0 | THE CREDIT UNION OFFERS CONSUMER LENDING TO ITS MEMBERS, INCLUDING NEW AND USED VEHICLES, PERSONAL LOANS, CREDIT CARDS AND REAL ESTATE LENDING. |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | SECRETARY/TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | SUPV CMTE CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | SUPV CMTE MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | SUPV CMTE MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | PRESIDENT/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | VICE PRESIDENT/CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | VP OF OPERATIONS |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | VP OF LENDING/IT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | VP OF MARKETING AND STRATEGIC PLANNING |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | VP OF TRAINING & BUSINESS DEVELOPMENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | VP OF SALES & MEMBER SERVICES |
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| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1935 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
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| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
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| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
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| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
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| IRS990/InterestGrp/TotalAmt | 0 | 141963 |
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| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 402200 |
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| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 73453949 |
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| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 30377024 |
| IRS990/IRPDocumentCnt | 0 | 1077 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
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| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 4640349 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 4513476 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 8929119 |
| IRS990/LegalDomicileStateCd | 0 | CA |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, CHEVRON VALLEY CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 13602627 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 13779678 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -95523 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 452251 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 781387 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 901859 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 840650 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 184282 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 2 | MISCELLANEOUS OPERATING |
| IRS990/OtherExpensesGrp/Desc | 3 | OPERATING FEES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 731116 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 386790 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 163705 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 13479 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 107869500 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 110360573 |
| IRS990/OtherOrganizationDsc | 0 | CREDIT UNION |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1783349 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 196989 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
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| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 618692 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 589058 |
| IRS990/PrincipalOfficerNm | 0 | NEIL SAWYER |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | MISC OPERATING INCOME |
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| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 1761705 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 791786 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 4046105 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 1761705 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 816284 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 24498 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | THE CREDIT UNION OFFERS CHECKING AND SHARE SAVINGS ACCOUNTS AS WELL AS CERTIFICATES OF DEPOSIT. ACCOUNTS ARE ACCESSIBLE THROUGH BRANCHES, ONLINE BANKING, ATMS AND KIOSKS. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | THE CREDIT UNION OFFERS VISA CHECK CARDS WHICH CAN BE USED AT ALL BRANCHES AND ATMS. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
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| IRS990/PYOtherExpensesAmt | 0 | 3874702 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 6625518 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 115856 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2921433 |
| IRS990/PYTotalExpensesAmt | 0 | 6796135 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 6911991 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 272574 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 1 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 13602627 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 13779678 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 16015943 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 14284473 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1791439 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1128807 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 2920246 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 215616 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1657446 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1873062 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 1467414 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 67555710 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 2 | 1086057 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 3 | 2728000 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 4 | 307361 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 5 | 309407 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | DEPOSITS IN COMMERCIAL BANKS, S&LS, SAVINGS BANK |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | LOANS & LEASES |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 2 | NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 3 | LOANS TO AND INVESTMENTS IN NATURAL PERSONS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 4 | PAID IN CAPITAL AT CORP |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 5 | ALL OTHER INVESTMENTS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 1 | F |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 3 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 4 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 5 | F |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 2410843 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 2410843 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 633985 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 633985 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 95578 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 995405 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1090983 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 110360573 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | SHARE DEPOSITS |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | FASB ASC 740-10-65, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE "MORE LIKELY THAN NOT" OF BEING SUSTAINED "WHEN CHALLENGED OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS DEEMED TO NOT MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEAR ENDED SEPTEMBER 30, 2015, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS AND, ACCORDINGLY, HAS NOT RECORDED A LIABILITY FOR THE PAYMENT OF INTEREST OR PENALTIES. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 4513476 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 73453949 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 110360573 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
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| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 12480 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 33733 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 8438 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | NEIL SAWYER |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT/CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 213866 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | CHEVRON VALLEY CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS, AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. CHEVRON VALLEY CREDIT UNION DOES NOT HAVE STOCKHOLDERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE GOVERNING BOARD OF CHEVRON VALLEY CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY OUR BY-LAWS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | AT THE END OF EACH TERM OF THE BOARD MEMBERS, ELECTIONS ARE HELD AND BOARD MEMBERS ARE VOTED BY THE MEMBERS OF THE CREDIT UNION PURSUANT TO ITS BY-LAWS. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | A REVIEW OF THE 990 WILL BE DONE BY THE CEO PRIOR TO FILING. A COPY OF THE 990 WILL BE PROVIDED TO THE BOARD OF DIRECTORS FOR REVIEW PRIOR TO FILING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | ALL NEWLY HIRED EMPLOYEES AND NEWLY ELECTED BOARD OF DIRECTORS ARE TRAINED AND MUST SIGN ACKNOWLEDGEMENT THAT THEY HAVE BEEN TRAINED AND UNDERSTAND THE CONFLICT OF INTEREST POLICIES. ADDITIONAL TRAINING IS CONDUCTED ON AN ANNUAL BASIS FOR ALL STAFF AND VOLUNTEERS AND ACKNOWLEDGEMENTS ARE SIGNED. THE CREDIT UNION MAINTAINS A LOG OF ALL TRAINING COMPLETED TO ENSURE CONSISTENCY AND COMPLETENESS OF TRAINING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | A SALARY RANGE MATRIX FOR EACH EXECUTIVE AND STAFF POSITION IS COMPILED USING DATA FROM INDUSTRY SALARY SURVEYS THAT ARE OBTAINED FROM CUES (CREDIT UNION EXECUTIVE SOCIETY) AND CUNA (CREDIT UNION NATIONAL ASSOCIATION). THE BOARD OF DIRECTORS APPROVES ALL CHANGES MADE TO THE SALARY RANGE MATRIX. THE BOARD OF DIRECTORS SETS AND APPROVES THE CEO'S SALARY BASED ON THE SALARY SURVEY INFORMATION. THE CHAIRMAN OF THE BOARD SIGNS A MEMO AUTHORIZING CEO'S SALARY CHANGE, AND THIS IS GIVEN TO PAYROLL ADMINISTRATOR TO PROCESS. THE LAST APPROVED CHANGE TO THE SALARY RANGE MATRIX WAS (7/20/2011). THE CEO APPROVES ALL OTHER EXECUTIVE AND STAFF SALARIES. ALL SALARIES MUST BE WITHIN THE BOARD OF DIRECTORS APPROVED SALARY RANGE MATRIX OR OTHER GUIDELINES. A MEMO APPROVING ALL SALARY CHANGES IS SIGNED BY THE CEO AND GIVEN TO THE PAYROLL ADMINSITRATOR TO PROCESS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | CURRENT FINANCIAL STATEMENTS ARE ON DISPLAY AT ALL BRANCHES. NOTICES ARE POSTED THAT STATE "OUR GOVERNING DOCUMENT AND CONFLICT OF INTEREST POLICY ARE AVAILABLE FOR INSPECTION UPON REQUEST." |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE ORGANIZATION HAS NOT CHANGED ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART XII, LINE 2C: |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | CA |
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