Liabilities / Assets
51st percentile
Higher debt load relative to assets than 51% of similar nonprofits.
Credit Unions in the State of California
990 • Fiscal year 2012 • EIN 95-1244887
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.90x
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on this filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on this filing.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
64th percentile
Faster asset growth than 64% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Balance Sheet
Assets
Up$126,255,748
Up $8,070,276 (+6.8%) from 2011
Net Assets
Up$13,145,491
Up $493,056 (+3.9%) from 2011
Liabilities
Up$113,110,257
Up $7,577,220 (+7.2%) from 2011
Revenue And Expenses
Revenue
-
No earlier filing loaded for comparison.
Expenses
Up$6,708,198
Up $15,808 (+0.2%) from 2011
Net Income
-
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2012 to Dec 31, 2012
- Signed
- Oct 18, 2013
- Return Version
- 2012v2.1
- Gross Receipts
- $7,186,422
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.
Major Activities
- Activity 2
- 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.
- Activity 3
- The credit union offers visa check cards which can be used at all branches and atms.
Filing and Contact Details
Filer
- EIN
- 95-1244887
Raw XML AppendixShowing 400 of 453 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/AccountsPayableAccruedExpenses/BOY | 0 | 1735748 |
| IRS990/AccountsPayableAccruedExpenses/EOY | 0 | 2125871 |
| IRS990/ActivitiesConductedPartnership | 0 | 0 |
| IRS990/Activity2/Description | 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/Activity3/Description | 0 | THE CREDIT UNION OFFERS VISA CHECK CARDS WHICH CAN BE USED AT ALL BRANCHES AND ATMS. |
| IRS990/ActivityOrMissionDescription | 0 | A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. |
| IRS990/AddressPrincipalOfficerUS/AddressLine1 | 0 | 8200 GRANITE FALLS DRIVE |
| IRS990/AddressPrincipalOfficerUS/City | 0 | BAKERSFIELD |
| IRS990/AddressPrincipalOfficerUS/State | 0 | CA |
| IRS990/AddressPrincipalOfficerUS/ZIPCode | 0 | 93312 |
| IRS990/Advertising/Total | 0 | 135923 |
| IRS990/AnnualDisclosureCoveredPersons | 0 | 1 |
| IRS990/AuditCommittee | 0 | 1 |
| IRS990/BenefitsPaidToMembersCY | 0 | 0 |
| IRS990/BenefitsPaidToMembersPriorYear | 0 | 0 |
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| IRS990/BsnssRltnshpWithOrganization | 0 | 0 |
| IRS990/CapStckTrstPrinCurrentFunds/BOY | 0 | 0 |
| IRS990/CapStckTrstPrinCurrentFunds/EOY | 0 | 0 |
| IRS990/CashNonInterestBearing/BOY | 0 | 2373989 |
| IRS990/CashNonInterestBearing/EOY | 0 | 2100131 |
| IRS990/ChangesToOrganizingDocs | 0 | 0 |
| IRS990/CollectionsOfArt | 0 | 0 |
| IRS990/CompCurrentOfficersDirectors/Total | 0 | 444058 |
| IRS990/CompensationFromOtherSources | 0 | 0 |
| IRS990/CompensationProcessCEO | 0 | 1 |
| IRS990/CompensationProcessOther | 0 | 1 |
| IRS990/ComplianceWithBackupWitholding | 0 | 1 |
| IRS990/ConflictOfInterestPolicy | 0 | 1 |
| IRS990/ConservationEasements | 0 | 0 |
| IRS990/ConsolidatedAuditFinancialStmt | 0 | 0 |
| IRS990/ContributionsGrantsCurrentYear | 0 | 0 |
| IRS990/ContributionsGrantsPriorYear | 0 | 0 |
| IRS990/CreditCounseling | 0 | 0 |
| IRS990/DecisionsSubjectToApproval | 0 | 1 |
| IRS990/DeductibleContributionsOfArt | 0 | 0 |
| IRS990/DeductibleNonCashContributions | 0 | 0 |
| IRS990/DelegationOfManagementDuties | 0 | 0 |
| IRS990/DepreciationDepletion/Total | 0 | 204744 |
| IRS990/DescribedIn501C3 | 0 | 0 |
| IRS990/Description | 0 | THE CREDIT UNION OFFERS CONSUMER LENDING TO ITS MEMBERS, INCLUDING NEW AND USED VEHICLE, PERSONAL LOANS, CREDIT CARDS AND REAL ESTATE LENDING. |
| IRS990/DisregardedEntity | 0 | 0 |
| IRS990/DocumentRetentionPolicy | 0 | 1 |
| IRS990/DonorAdvisedFunds | 0 | 0 |
| IRS990/DoNotFollowSFAS117 | 0 | X |
| IRS990/ElectionOfBoardMembers | 0 | 1 |
| IRS990/EmploymentTaxReturnsFiled | 0 | 1 |
| IRS990/FamilyOrBusinessRelationship | 0 | 0 |
| IRS990/FederalGrantAuditRequired | 0 | 0 |
| IRS990/FeesForServicesAccounting/Total | 0 | 55000 |
| IRS990/FeesForServicesInvstMgmntFees/Total | 0 | 35280 |
| IRS990/FeesForServicesLegal/Total | 0 | 16848 |
| IRS990/FeesForServicesOther/Total | 0 | 361626 |
| IRS990/ForeignActivities | 0 | 0 |
| IRS990/ForeignFinancialAccount | 0 | 0 |
| IRS990/ForeignOffice | 0 | 0 |
| IRS990/Form8282PropertyDisposedOf | 0 | 0 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 0 | 3.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 1 | 1.30 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 2 | 1.30 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 3 | 1.30 |
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| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 6 | 1.30 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 7 | 1.30 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 8 | 1.30 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 9 | 1.30 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 10 | 40.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 11 | 40.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 12 | 40.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 13 | 40.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 14 | 40.00 |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 0 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 1 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 2 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 3 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 4 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 5 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 6 | X |
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| IRS990/Form990PartVIISectionA/NamePerson | 4 | DAWN COLE |
| IRS990/Form990PartVIISectionA/NamePerson | 5 | RICHARD ROSS |
| IRS990/Form990PartVIISectionA/NamePerson | 6 | RONALD WOLFE |
| IRS990/Form990PartVIISectionA/NamePerson | 7 | LORRAINE DOLAN |
| IRS990/Form990PartVIISectionA/NamePerson | 8 | SHARON FOREMAN |
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| IRS990/Form990PartVIISectionA/NamePerson | 12 | GAIL MAY |
| IRS990/Form990PartVIISectionA/NamePerson | 13 | KATHRYN SHAFFER |
| IRS990/Form990PartVIISectionA/NamePerson | 14 | MARIE RODRIQUEZ |
| IRS990/Form990PartVIISectionA/Officer | 0 | X |
| IRS990/Form990PartVIISectionA/Officer | 1 | X |
| IRS990/Form990PartVIISectionA/Officer | 2 | X |
| IRS990/Form990PartVIISectionA/Officer | 3 | X |
| IRS990/Form990PartVIISectionA/Officer | 4 | X |
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| IRS990/Form990PartVIISectionA/Title | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 7 | SUPV CMTE CHAIRPERSON |
| IRS990/Form990PartVIISectionA/Title | 8 | SUPV CMTE MEMBER |
| IRS990/Form990PartVIISectionA/Title | 9 | SUPV CMTE MEMBER |
| IRS990/Form990PartVIISectionA/Title | 10 | PRESIDENT/CEO |
| IRS990/Form990PartVIISectionA/Title | 11 | VICE PRESIDENT/CFO |
| IRS990/Form990PartVIISectionA/Title | 12 | VP OF LENDING |
| IRS990/Form990PartVIISectionA/Title | 13 | VP OF MARKETING |
| IRS990/Form990PartVIISectionA/Title | 14 | VP OF OPERATIONS |
| IRS990/Form990ProvidedToGoverningBody | 0 | 1 |
| IRS990/Form990-TFiled | 0 | 1 |
| IRS990/FormersListed | 0 | 0 |
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| IRS990/FSAuditedBasis/FinancialStatementSeparate | 0 | X |
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| IRS990/GroupReturnForAffiliates | 0 | 0 |
| IRS990/Hospital | 0 | 0 |
| IRS990/IndependentAuditFinancialStmt | 0 | 0 |
| IRS990/IndoorTanningServices | 0 | 0 |
| IRS990/InfoInScheduleOPartIII | 0 | X |
| IRS990/InfoInScheduleOPartVI | 0 | X |
| IRS990/InfoInScheduleOPartXII | 0 | X |
| IRS990/InformationTechnology/Total | 0 | 373909 |
| IRS990/Insurance/Total | 0 | 103075 |
| IRS990/Interest/Total | 0 | 454644 |
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| IRS990/InvestmentIncome/TotalRevenueColumn | 0 | 408408 |
| IRS990/InvestmentInJointVenture | 0 | 0 |
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| IRS990/InvestmentsProgramRelated/EOY | 0 | 69058131 |
| IRS990/InvestmentsPubTradedSecurities/BOY | 0 | 28957643 |
| IRS990/InvestmentsPubTradedSecurities/EOY | 0 | 28472632 |
| IRS990/LandBldgEquipmentAccumDeprec | 0 | 3828612 |
| IRS990/LandBuildingsEquipmentBasis | 0 | 8716829 |
| IRS990/LandBuildingsEquipmentBasisNet/BOY | 0 | 5089779 |
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| IRS990/LoanToOfficerOrDQP | 0 | 0 |
| IRS990/LocalChapters | 0 | 1 |
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| IRS990/MethodOfAccountingAccrual | 0 | X |
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| IRS990/MinutesOfGoverningBody | 0 | 1 |
| IRS990/MissionDescription | 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. |
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| IRS990/MoreThan5000KToOrganizations | 0 | 0 |
| IRS990/NameOfPrincipalOfficerPerson | 0 | NEIL SAWYER |
| IRS990/NbrIndependentVotingMembers | 0 | 7 |
| IRS990/NbrVotingGoverningBodyMembers | 0 | 7 |
| IRS990/NbrVotingMembersGoverningBody | 0 | 7 |
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| IRS990/NonDeductibleContributions | 0 | 0 |
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| IRS990/OtherEmployeeBenefits/Total | 0 | 144898 |
| IRS990/OtherExpensePriorYear | 0 | 4088521 |
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| IRS990/OtherExpenses/Description | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpenses/Description | 1 | LOAN SERVICING EXPENSE |
| IRS990/OtherExpenses/Description | 2 | MISCELLANEOUS OPERATING |
| IRS990/OtherExpenses/Description | 3 | OPERATING FEES |
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| IRS990/OtherExpenses/Total | 1 | 442990 |
| IRS990/OtherExpenses/Total | 2 | 170955 |
| IRS990/OtherExpenses/Total | 3 | 13188 |
| IRS990/OtherLiabilities/BOY | 0 | 103797289 |
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| IRS990/PartialLiquidation | 0 | 0 |
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| IRS990/PoliciesReferenceChapters | 0 | 1 |
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| IRS990/SavingsAndTempCashInvestments/EOY | 0 | 20468540 |
| IRS990/ScheduleBRequired | 0 | 0 |
| IRS990ScheduleD/Buildings/BookValue | 0 | 2026599 |
| IRS990ScheduleD/Buildings/Depreciation | 0 | 919122 |
| IRS990ScheduleD/Buildings/OtherCostOrOtherBasis | 0 | 2945721 |
| IRS990ScheduleD/Equipment/BookValue | 0 | 412290 |
| IRS990ScheduleD/Equipment/Depreciation | 0 | 1302138 |
| IRS990ScheduleD/Equipment/OtherCostOrOtherBasis | 0 | 1714428 |
| IRS990ScheduleD/FootnoteInPartXIII | 0 | X |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation | 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 NOT DEEMED TO 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, 2012, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. THE CREDIT UNION IS NOT SUBJECT TO EXAMINATION BY U.S. FEDERAL AND STATE TAX AUTHORITIES FOR TAX YEARS BEFORE 2006. FOR THE YEAR ENDED SEPTEMBER 30, 2012, THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS AND, ACCORDINGLY, HAS NOT RECORDED A LIABILITY FOR THE PAYMENT OF INTEREST OR PENALTIES. |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier | 0 | DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: |
| IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference | 0 | PART X, LINE 2: |
| IRS990ScheduleD/InvestmentsProgramRelated/BookValue | 0 | 3697603 |
| IRS990ScheduleD/InvestmentsProgramRelated/BookValue | 1 | 63472166 |
| IRS990ScheduleD/InvestmentsProgramRelated/BookValue | 2 | 1085001 |
| IRS990ScheduleD/InvestmentsProgramRelated/BookValue | 3 | 496000 |
| IRS990ScheduleD/InvestmentsProgramRelated/BookValue | 4 | 307361 |
| IRS990ScheduleD/InvestmentsProgramRelated/Description | 0 | DEPOSITS IN COMMERCIAL BANKS, S&LS, SAVINGS BANK |
| IRS990ScheduleD/InvestmentsProgramRelated/Description | 1 | LOANS & LEASES |
| IRS990ScheduleD/InvestmentsProgramRelated/Description | 2 | NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT |
| IRS990ScheduleD/InvestmentsProgramRelated/Description | 3 | LOANS TO AND INVESTMENTS IN NATURAL PERSONS |
| IRS990ScheduleD/InvestmentsProgramRelated/Description | 4 | PAID IN CAPITAL AT CORP |
| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 0 | F |
| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 1 | F |
| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 2 | F |
| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 3 | F |
| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 4 | F |
| IRS990ScheduleD/Land/BookValue | 0 | 2410843 |
| IRS990ScheduleD/Land/OtherCostOrOtherBasis | 0 | 2410843 |
| IRS990ScheduleD/LeaseholdImprovements/BookValue | 0 | 1440 |
| IRS990ScheduleD/LeaseholdImprovements/Depreciation | 0 | 632545 |
| IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis | 0 | 633985 |
| IRS990ScheduleD/OtherLandBuildings/BookValue | 0 | 37045 |
| IRS990ScheduleD/OtherLandBuildings/Depreciation | 0 | 974807 |
| IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis | 0 | 1011852 |
| IRS990ScheduleD/OtherLiabilities/Amount | 0 | 110984386 |
| IRS990ScheduleD/OtherLiabilities/Description | 0 | SHARE DEPOSITS |
| IRS990ScheduleD/TotalOfAmounts | 0 | 110984386 |
| IRS990ScheduleD/TotalOfBookValueLandBuildings | 0 | 4888217 |
| IRS990ScheduleD/TotalOfBookValueProgramRelated | 0 | 69058131 |
| IRS990ScheduleJ/BoardOrCommitteeApproval | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrangement | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg | 0 | 130748 |
| IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990FilingOrg | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990RelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg | 0 | 10807 |
| IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson | 0 | NEIL SAWYER |
| IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg | 0 | 61862 |
| IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg | 0 | 7019 |
| IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/Title | 0 | PRESIDENT/CEO |
| IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg | 0 | 210436 |
| IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs | 0 | 0 |
| IRS990/ScheduleJRequired | 0 | 1 |
| IRS990ScheduleJ/SeverancePayment | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRetirePlan | 0 | 0 |
| IRS990ScheduleO/GeneralExplanation/Explanation | 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/GeneralExplanation/Explanation | 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/GeneralExplanation/Explanation | 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/GeneralExplanation/Explanation | 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/GeneralExplanation/Explanation | 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/GeneralExplanation/Explanation | 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/GeneralExplanation/Explanation | 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/GeneralExplanation/Explanation | 7 | THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 3 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 5 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 7 | FORM 990, PART XII, LINE 2C: |
| IRS990/ScheduleORequired | 0 | 1 |
| IRS990/School | 0 | 0 |
| IRS990/SignificantChange | 0 | 0 |
| IRS990/SignificantNewProgramServices | 0 | 0 |
| IRS990/StateLegalDomicile | 0 | CA |
| IRS990/StatesWhereCopyOfReturnIsFiled | 0 | CA |
| IRS990/SubjectToProxyTax | 0 | 0 |
| IRS990/TaxablePartyNotification | 0 | 0 |
| IRS990/TaxExemptBonds | 0 | 0 |
| IRS990/Terminated | 0 | 0 |
| IRS990/TermOrPermanentEndowments | 0 | 0 |
| IRS990/TheBooksAreInCareOf/AddressUS/AddressLine1 | 0 | 8200 GRANITE FALLS DRIVE |
| IRS990/TheBooksAreInCareOf/AddressUS/City | 0 | BAKERSFIELD |
| IRS990/TheBooksAreInCareOf/AddressUS/State | 0 | CA |
| IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode | 0 | 93312 |
| IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine1 | 0 | CAROL DOBBS VPCFO |
| IRS990/TheBooksAreInCareOf/TelephoneNumber | 0 | 6615877250 |
| IRS990/TotalAssets/BOY | 0 | 118185472 |
| IRS990/TotalAssetsBOY | 0 | 118185472 |
| IRS990/TotalAssets/EOY | 0 | 126255748 |
| IRS990/TotalAssetsEOY | 0 | 126255748 |
| IRS990/TotalCompGT150K | 0 | 1 |
| IRS990/TotalExpensesCurrentYear | 0 | 6708198 |
| IRS990/TotalExpensesPriorYear | 0 | 6692390 |
| IRS990/TotalFunctionalExpenses/Total | 0 | 6708198 |
| IRS990/TotalFundrsngExpCurrentYear | 0 | 0 |
| IRS990/TotalGrossUBI | 0 | 31445 |
| IRS990/TotalLiabilities/BOY | 0 | 105533037 |
| IRS990/TotalLiabilitiesBOY | 0 | 105533037 |
| IRS990/TotalLiabilities/EOY | 0 | 113110257 |
| IRS990/TotalLiabilitiesEOY | 0 | 113110257 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
- Assets
- $126,255,748
- Liabilities
- $113,110,257
- Net assets
- $13,145,491
- Revenue
- -
- Expenses
- $6,708,198
- Net income
- -