Civic Intelligence

Alta Vista Credit Union

EIN 95-1442266 • 501(c)14 • Redlands, CA

View Organization Page

Profile

Non-profit, state chartered, natural person credit union that provides low cost financial services to our communities.

1425 West Lugonia AveRedlands, CA 92374

www.altavistacu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

79th percentile

0.92x

Higher debt load relative to assets than 79% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

60th percentile

16.08x

Higher debt load relative to revenue than 60% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

9th percentile

0.4%

Higher net margin than 9% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

81st percentile

$337,422

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 2.8% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

10th percentile

-3.2%

Faster asset growth than 10% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

10th percentile

1.7%

Faster revenue growth than 10% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets79th percentile

Assets

Down

$209,027,617

Down $7,001,487 (-3.2%) from 2023

Liabilities

Down

$191,267,698

Down $7,097,060 (-3.6%) from 2023

Net Assets

Up

$17,759,919

Up $95,573 (+0.5%) from 2023

Operations
Liabilities / Revenue60th percentileNet Margin9th percentile

Revenue

Up

$11,891,211

Up $195,965 (+1.7%) from 2023

Expenses

Up

$11,840,249

Up $813,352 (+7.4%) from 2023

Net Income

Down

$50,962

Down $617,387 (-92%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth10th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$300M$200M$100M$0Assets 2011: $142,099,377Liabilities 2011: $131,314,956Net Assets 2011: $10,784,4212011Assets 2012: $136,963,849Liabilities 2012: $126,064,310Net Assets 2012: $10,899,5392012Assets 2013: $132,217,939Liabilities 2013: $120,441,138Net Assets 2013: $11,776,8012013Assets 2014: $136,083,858Liabilities 2014: $124,747,541Net Assets 2014: $11,336,3172014Assets 2015: $143,156,370Liabilities 2015: $131,567,565Net Assets 2015: $11,588,8052015Assets 2016: $151,216,052Liabilities 2016: $139,236,074Net Assets 2016: $11,979,9782016Assets 2017: $164,136,161Liabilities 2017: $151,387,168Net Assets 2017: $12,748,9932017Assets 2018: $164,961,223Liabilities 2018: $151,309,837Net Assets 2018: $13,651,3862018Assets 2019: $178,287,439Liabilities 2019: $164,174,914Net Assets 2019: $14,112,5252019Assets 2020: $212,292,003Liabilities 2020: $197,135,756Net Assets 2020: $15,156,2472020Assets 2021: $221,889,084Liabilities 2021: $205,825,443Net Assets 2021: $16,063,6412021Assets 2022: $232,172,374Liabilities 2022: $214,845,068Net Assets 2022: $17,327,3062022Assets 2023: $216,029,104Liabilities 2023: $198,364,758Net Assets 2023: $17,664,3462023Assets 2024: $209,027,617Liabilities 2024: $191,267,698Net Assets 2024: $17,759,9192024

Highlighted filing

2024

Assets$209,027,617
Liabilities$191,267,698
Net Assets$17,759,919
Open 2024 Filing

Operations Trend

Revenue Growth10th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$15M$10M$5.0M$0-$5.0MRevenue 2011: $7,122,699Expenses 2011: $7,124,026Net Income 2011: -$1,3272011Expenses 2012: $6,183,3772012Revenue 2013: $6,560,067Expenses 2013: $5,366,284Net Income 2013: $1,193,7832013Revenue 2014: $5,098,996Expenses 2014: $5,778,372Net Income 2014: -$679,3762014Revenue 2015: $6,050,263Expenses 2015: $5,782,225Net Income 2015: $268,0382015Revenue 2016: $7,411,142Expenses 2016: $7,056,872Net Income 2016: $354,2702016Revenue 2017: $9,002,592Expenses 2017: $8,233,287Net Income 2017: $769,3052017Revenue 2018: $9,340,065Expenses 2018: $8,437,210Net Income 2018: $902,8552018Revenue 2019: $9,928,352Expenses 2019: $9,466,955Net Income 2019: $461,3972019Revenue 2020: $8,906,187Expenses 2020: $7,862,381Net Income 2020: $1,043,8062020Revenue 2021: $8,216,863Expenses 2021: $7,309,216Net Income 2021: $907,6472021Revenue 2022: $9,891,431Expenses 2022: $8,627,321Net Income 2022: $1,264,1102022Revenue 2023: $11,695,246Expenses 2023: $11,026,897Net Income 2023: $668,3492023Revenue 2024: $11,891,211Expenses 2024: $11,840,249Net Income 2024: $50,9622024

Highlighted filing

2024

Revenue$11,891,211
Expenses$11,840,249
Net Income$50,962
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$209,027,617
Liabilities
$191,267,698
Net assets
$17,759,919
Revenue
$11,891,211
Expenses
$11,840,249
Net income
$50,962
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$209$191$17.8$11.9$11.8$0.05
2023Summary only. Only limited summary data is available for this year.$216$198$17.7$11.7$11.0$0.67
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$232$215$17.3$9.89$8.63$1.26
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$222$206$16.1$8.22$7.31$0.91
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$212$197$15.2$8.91$7.86$1.04
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$178$164$14.1$9.93$9.47$0.46
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$165$151$13.7$9.34$8.44$0.90
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$164$151$12.7$9.00$8.23$0.77
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$151$139$12.0$7.41$7.06$0.35
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$143$132$11.6$6.05$5.78$0.27
2014Summary only. Only limited summary data is available for this year.$136$125$11.3$5.10$5.78$0.68
2013Summary only. Only limited summary data is available for this year.$132$120$11.8$6.56$5.37$1.19
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$137$126$10.9$6.18
2011Summary only. Only limited summary data is available for this year.$142$131$10.8$7.12$7.12$0.00
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2020 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Nov 1, 2021
Return Version
2020v4.0
Gross Receipts
$8,906,187
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, alta vista 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.

Non-profit, state chartered, natural person credit union that provides low cost financial services to our communities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$134,217,999$0▼ $134,217,999
Investments Program Related$0$127,339,414▲ $127,339,414
Savings and Temporary Cash Investments$7,701,058$58,675,199▲ $50,974,141
Land, Buildings, and Equipment, Net$10,705,367$10,475,692▼ $229,675
Pd in Cap Srpls Land Bldg Eqp Fund$10,705,367$10,475,692▼ $229,675
Investments in Publicly Traded Securities$1,814,225$7,160,398▲ $5,346,173
Rtn Earn Endowment Incm Other Fnds$3,407,158$4,680,555▲ $1,273,397
Cash and Non-Interest-Bearing Accounts$18,852,172$2,085,831▼ $16,766,341
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$178,287,439$212,292,003▲ $34,004,564
Other Assets Total$4,996,618$6,555,469▲ $1,558,851
Liabilities
Other Liabilities$163,478,167$195,123,780▲ $31,645,613
Accounts Payable and Accrued Expenses$696,747$2,011,976▲ $1,315,229
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$164,174,914$197,135,756▲ $32,960,842
Net Assets / Fund Balance
Total Net Assets Fund Balance$14,112,525$15,156,247▲ $1,043,722
Total Liabilities and Net Assets / Fund Balance$178,287,439$212,292,003▲ $34,004,564

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$104,690,921--
Buildings$6,465,076$2,612,498$0
Other Land Buildings$0$0$0
Land$3,257,760-$0
Equipment$752,856$1,475,054$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseTotal
D JusticeCEOFT$205,133$205,133
K SarkerCFOFT$131,194$131,194
J RussellVP Information TechnologyFT$119,816$119,816
M HernandezConsumer Loan ManagerFT$101,880$101,880
L GonzalesCOOFT$70,241$70,241

Board Members and Trustees

NameTitle
G ToneDirector
G UnderwoodDirector
J SpoorDirector
L KenneyDirector
M McivorDirector
R GeeDirector
S OrnelasDirector
V LasterDirector
W AndersonDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
C GleasonHuman Resources Consulting225 PICCOLO, Irvine, CA 92620$110,400
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,388,859
Investment Income
$344,335
Other Revenue
$2,172,993
Change in Net Assets
$1,043,806
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,944,193
Salaries, Compensation, and Employee Benefits$2,918,188
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$1,734,256$0$0$1,734,256
Other Salaries and Wages$1,724,921$0$0$1,724,921
Interest$773,935$0$0$773,935
Current Officers, Directors, Trustees, and Key Employees$628,264$0$0$628,264
Depreciation Depletion$564,940$0$0$564,940
Other Employee Benefits$332,383$0$0$332,383
All Other Expenses$252,372$0$0$252,372
Occupancy$210,748$0$0$210,748
Payroll Taxes$202,277$0$0$202,277
Other Expenses$41,742$0$0$41,742
Pension Plan Contributions$30,343$0$0$30,343
Travel$24,040$0$0$24,040
Total Functional Expenses$7,862,381$0$0$7,862,381
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$84,384,413
Share Certificates$42,631,714
Money Market Shares$40,384,100
Share Drafts$24,484,372
Ira/keough$3,239,181
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
No
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
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Credit unions in the state of california alta vista credit union form 990, part vi, section a, line 6 - yes, credit unions are member owned. When a person joins our credit union, they become a member.”

Form 990, Part VI, Section A, Line 7A

“Form 990, part vi, section a, line 7a - yes, all members vote for the volunteer board of directors. If a position becomes vacant during the year, the board may appoint a person to fill the spot until the next annual meeting of the members.”

Form 990, Part VI, Section A, Line 7B

“Form 990, part vi, section a, line 7b - only members may approve a manager. Our regulator and federal insurance provider may impose rules that we must follow.”

Form 990, Part VI, Section B, Line 11B

“Form 990, part vi, section b, line 11b - the return preparer emails a draft of the form 990 to the organization's ceo/cfo for their review. The ceo/cfo reviews the draft and presents any questions, comments, or corrections to the return preparer. Upon satisfactory completion of the form 990, the organization's ceo/cfo signs the return and submits it to the board of directors prior to filing.”

Form 990, Part VI, Section B, Line 15

“FORM 990, PART VI, SECTION B, LINE 15 - COMPENSATION DATA IS RECEIVED FROM AN Form 990, P INDEPENDENT COMPANY THAT SUMMARIZES WAGE DATA BY INDUSTRY, LOCATION, SIZE, COMPLEXITY, JOB CLASSIFICATION, LEVEL OF RESPONSIBILITY, ETC. TO DETERMINE WAGE BANDS. AN INDIVIDUAL WHO EARNS MORE THAN 120 PERCENT OF MEDIAN WAGES FOR A JOB WILL NOT RECEIVE MERIT OR OTHER ANNUAL INCREASE IN PAY.”

Form 990, Part VI, Section C, Line 19

“Form 990, part vi, section c, line 19 - governing documents are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Credit Unions in the State of California
EIN
95-1442266
Phone
9098093838
Address
1425 WEST LUGONIA AVE, REDLANDS, CA 92374

Signing Officer

Name
Kanti Sarker
Title
CFO
Phone
9098093603
Signed
2021-11-01

Organization Details

Principal Officer
Kanti Sarker
Formed
1943
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
43
Volunteers
9
Raw XML AppendixShowing 400 of 651 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
IRS990/AccountantCompileOrReviewInd01
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0696747
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02011976
IRS990/AccountsReceivableGrp/BOYAmt00
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/AcctCompileOrReviewBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0NON-PROFIT, STATE CHARTERED, NATURAL PERSON CREDIT UNION THAT PROVIDES LOW COST FINANCIAL SERVICES TO OUR COMMUNITIES.
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/AllOtherExpensesGrp/ProgramServicesAmt0252372
IRS990/AllOtherExpensesGrp/TotalAmt0252372
IRS990/AnnualDisclosureCoveredPrsnInd00
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
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IRS990/BooksInCareOfDetail/PhoneNum09098093838
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IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
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IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0628264
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0628264
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
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IRS990/CreditCounselingInd00
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IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0344335
IRS990/CYOtherExpensesAmt04944193
IRS990/CYOtherRevenueAmt02172993
IRS990/CYProgramServiceRevenueAmt06388859
IRS990/CYRevenuesLessExpensesAmt01043806
IRS990/CYSalariesCompEmpBnftPaidAmt02918188
IRS990/CYTotalExpensesAmt07862381
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IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt08906187
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt0564940
IRS990/DepreciationDepletionGrp/TotalAmt0564940
IRS990/Desc0LOAN PRODUCTS OFFERED TO OUR MEMBERS
IRS990/DescribedInSection501c3Ind00
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IRS990/Form990PartVIISectionAGrp/PersonNm0D JUSTICE
IRS990/Form990PartVIISectionAGrp/PersonNm1K SARKER
IRS990/Form990PartVIISectionAGrp/PersonNm2J RUSSELL
IRS990/Form990PartVIISectionAGrp/PersonNm3M HERNANDEZ
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