Civic Intelligence

Lbs Financial Credit Union

990 • Fiscal year 2016 • EIN 95-1644568

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 09, 2017

Organization ProfileWWW.LBSFCU.ORG

View Organization Page

5505 Garden Grove BlvdWestminster, CA 92683

(714) 893-5111

Siviq Scores

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

Liabilities / Assets

13th percentile

0.87x

Higher debt load relative to assets than 13% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Liabilities / Revenue

83rd percentile

23.91x

Higher debt load relative to revenue than 83% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Net Margin

42nd percentile

17%

Higher net margin than 42% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Top Officer Pay

50th percentile

$830,614

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Asset Growth

49th percentile

8.5%

Faster asset growth than 49% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Revenue Growth

17th percentile

5.2%

Faster revenue growth than 17% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets13th percentile

Assets

Up

$1,322,308,462

Up $103,692,075 (+8.5%) from 2015

Net Assets

Up

$165,661,608

Up $2,400,795 (+1.5%) from 2015

Liabilities

Up

$1,156,646,854

Up $101,291,280 (+9.6%) from 2015

Revenue And Expenses
Liabilities / Revenue83rd percentileNet Margin42nd percentile

Revenue

Up

$48,373,063

Up $2,392,491 (+5.2%) from 2015

Expenses

Up

$40,363,141

Up $4,637,280 (+13%) from 2015

Net Income

Down

$8,009,922

Down $2,244,789 (-22%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth49th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$3.0B$2.0B$1.0B$0Assets 2010: $988,244,857Liabilities 2010: $879,536,971Net Assets 2010: $108,707,8862010Assets 2011: $1,023,883,117Liabilities 2011: $899,493,804Net Assets 2011: $124,389,3132011Assets 2012: $1,061,350,877Liabilities 2012: $929,969,647Net Assets 2012: $131,381,2302012Assets 2013: $1,099,209,909Liabilities 2013: $955,929,295Net Assets 2013: $143,280,6142013Assets 2014: $1,139,713,424Liabilities 2014: $987,098,522Net Assets 2014: $152,614,9022014Assets 2015: $1,218,616,387Liabilities 2015: $1,055,355,574Net Assets 2015: $163,260,8132015Assets 2016: $1,322,308,462Liabilities 2016: $1,156,646,854Net Assets 2016: $165,661,6082016Assets 2017: $1,380,674,459Liabilities 2017: $1,201,464,251Net Assets 2017: $179,210,2082017Assets 2018: $1,433,506,717Liabilities 2018: $1,238,556,420Net Assets 2018: $194,950,2972018Assets 2019: $1,534,622,789Liabilities 2019: $1,333,273,130Net Assets 2019: $201,349,6592019Assets 2020: $1,782,896,401Liabilities 2020: $1,579,351,613Net Assets 2020: $203,544,7882020Assets 2021: $1,978,868,694Liabilities 2021: $1,755,037,394Net Assets 2021: $223,831,3002021Assets 2022: $2,012,780,174Liabilities 2022: $1,765,225,101Net Assets 2022: $247,555,0732022Assets 2023: $1,969,993,549Liabilities 2023: $1,708,052,192Net Assets 2023: $261,941,3572023Assets 2024: $2,043,255,241Liabilities 2024: $1,770,916,556Net Assets 2024: $272,338,6852024

Highlighted filing

2016

Assets$1,322,308,462
Liabilities$1,156,646,854
Net Assets$165,661,608
Open 2016 Filing

Operations Trend

Revenue Growth17th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$100M$50M$0Expenses 2010: $44,658,6822010Expenses 2011: $36,281,1142011Expenses 2012: $34,919,4572012Revenue 2013: $46,150,401Expenses 2013: $36,612,367Net Income 2013: $9,538,0342013Revenue 2014: $46,534,498Expenses 2014: $35,385,650Net Income 2014: $11,148,8482014Revenue 2015: $45,980,572Expenses 2015: $35,725,861Net Income 2015: $10,254,7112015Revenue 2016: $48,373,063Expenses 2016: $40,363,141Net Income 2016: $8,009,9222016Revenue 2017: $51,334,390Expenses 2017: $41,503,382Net Income 2017: $9,831,0082017Revenue 2018: $57,230,819Expenses 2018: $44,885,230Net Income 2018: $12,345,5892018Revenue 2019: $61,359,719Expenses 2019: $50,627,836Net Income 2019: $10,731,8832019Revenue 2020: $59,537,252Expenses 2020: $50,028,799Net Income 2020: $9,508,4532020Revenue 2021: $57,183,235Expenses 2021: $44,657,416Net Income 2021: $12,525,8192021Revenue 2022: $64,266,960Expenses 2022: $46,656,926Net Income 2022: $17,610,0342022Revenue 2023: $79,427,970Expenses 2023: $65,021,225Net Income 2023: $14,406,7452023Revenue 2024: $91,952,473Expenses 2024: $83,243,687Net Income 2024: $8,708,7862024

Highlighted filing

2016

Revenue$48,373,063
Expenses$40,363,141
Net Income$8,009,922
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 9, 2017
Return Version
2016v3.0
Gross Receipts
$48,373,063
Mission and Program Overview

Mission

Lbs financial credit union is 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, lbs financial credit union conducts its business for the mutual benefit and general welfare of its members with the earning, savings, benefits, or services of the credit being distributed to its members as patrons.

A cooperative, organized for the purpose of promoting thrift and savings among its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$1,032,796,686$1,104,512,711▲ $71,716,025
Savings and Temporary Cash Investments$165,816,123$191,330,610▲ $25,514,487
Rtn Earn Endowment Incm Other Fnds$163,260,813$165,661,608▲ $2,400,795
Cash and Non-Interest-Bearing Accounts$6,809,654$7,810,875▲ $1,001,221
Receivables From Officers Etc$8,470$6,512,396▲ $6,503,926
Land, Buildings, and Equipment, Net$5,630,637$4,721,040▼ $909,597
Prepaid Expenses and Deferred Charges$715,333$913,138▲ $197,805
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,218,616,387$1,322,308,462▲ $103,692,075
Other Assets Total$6,839,484$6,507,692▼ $331,792
Liabilities
Other Liabilities$1,051,227,315$1,145,021,225▲ $93,793,910
Accounts Payable and Accrued Expenses$4,128,259$11,625,629▲ $7,497,370
Total Liabilities$1,055,355,574$1,156,646,854▲ $101,291,280
Net Assets / Fund Balance
Total Net Assets Fund Balance$163,260,813$165,661,608▲ $2,400,795
Total Liabilities and Net Assets / Fund Balance$1,218,616,387$1,322,308,462▲ $103,692,075

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,146,254$15,837,831$16,984,085
Buildings$1,527,219$10,313,651$11,840,870
Land$2,000,508-$2,000,508
Leasehold Improvements$47,059$1,306,408$1,353,467
Investment Program Related Org$139,984,471--
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jeffrey NapperPresident/CEOFT$528,475$302,139$830,614
Sean HardemanE.v.p/CLOFT$257,471$74,058$331,529
Susan WightS.v.p/CFOFT$188,274$48,353$236,627
Kevin ReedS.v.p./information SystemsFT$178,639$54,785$233,424
Diane JareckiS.v.p/human ResourcesFT$180,372$40,209$220,581
Heather SummersS.v.p./marketingFT$166,462$39,242$205,704
Alfred Parent JrV.p/collectionsFT$148,723$29,087$177,810
Jeffrey William NiedenthalS.v.p./ Member ServicesFT$141,572$14,245$155,817
Elizabeth ConradoV.p/residential LendingFT$142,165$7,673$149,838
Zung-shang LiangV.p./internal AuditFT$125,274$23,957$149,231
Elizabeth PetersSenior Financial AnalystFT$127,042$14,299$141,341
John FylpaaSecretary/treasurer-$2,000-$2,000
Gene AllenBoard Member-$1,995-$1,995
Luther WilliamsVice Chairman-$1,156-$1,156
Russell YoungSupervisory Committee-$1,083-$1,083
Lionel GatleyBoard Member-$709-$709

Board Members and Trustees

NameTitle
Eric DavidBoard Chairman
Douglas WoodBoard Member
Jean DavisBoard Member
Pamela FellmanBoard Member
Satinder HawkinsBoard Member
Joseph ApfelSupervisory Committee
David ConradSupervisory Committee Chai

Highest Paid Contractors

ContractorServicesLocationCompensation
Prenovost Normandin Bergh & DaweLegal Services2122 N BROADWAY SUITE 200, Santa Ana, CA 92706-2614$584,685
-Repossession Services8132 FIRESTONE BLVD SUITE 41, Downey, CA 90241-4272$109,269
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$45,149,290
Investment Income
$2,735,677
Other Revenue
$488,096
Change in Net Assets
$8,009,922
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$24,305,295
Salaries, Compensation, and Employee Benefits$15,997,375
Grants and Similar Amounts Paid$60,471
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$10,599,700
Interest---$5,968,560
Office Expenses---$3,013,338
Current Officers, Directors, Trustees, and Key Employees---$2,647,642
Fees for Services Other---$2,260,866
Other Employee Benefits---$1,736,318
Depreciation Depletion---$1,551,269
Occupancy---$1,217,588
Information Technology---$1,030,002
Payroll Taxes---$1,013,715
Other Expenses---$957,225
Fees for Services Legal---$609,577
All Other Expenses---$606,076
Advertising---$279,459
Travel---$154,438
Fees for Services Accounting---$112,810
Fees for Services Management---$88,024
Insurance---$45,974
Grants to Domestic Orgs---$42,879
Grants to Domestic Individuals---$17,592
Total Functional Expenses$0$0$0$40,363,141
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$6,000
Total Exempt Function Spending$6,000

Section 527 Organizations

OrganizationLocationAmount
94-0357265Sacramento, CA$6,000
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$8,470$6,512,396▲ $6,503,926
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Shares and Deposits$1,145,021,225
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

“Lbs financial 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. Lbs financial credit union does not have stockholders.”

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

“The governing board of lbs financial 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 a board member, elections are held and board members are elected 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 the merger or dissolution.”

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

“The board reviews the form 990 during the board meeting and provides comments and modifications where necessary.”

Form 990, Part VI, Section B, Line 12C

“It is the policy of the credit union that all employees must disclose any situation that could or does involve a potential or actual conflict between their personal interests and the interests of the credit union. Failure to disclose may result in disciplinary action, up to and including termination.”

Form 990, Part VI, Section B, Line 15

“Lbs financial will maintain a competitive salary range structure for all positions. The following will occur: the human resources department will participate in selected salary surveys as appropriate for our industry, positions, asset size, employee size, and geographical locations. Salary ranges will be reviewed, at a minimum, on an annual basis. Due to competitive market conditions for certain positions, adjustments may be reviewed and approved on a case-by-case basis to remain competitive. Published salary surveys will be utilized to determine salary ranges and total compensation. Each position will be assigned a corresponding salary range with a minimum, midpoint and maximum. The human resources department will present, annually, salary ranges and recommendations to the human resources committee (consisting of three board members) and the president/ceo for all positions except the president/ceo. The human resources committee will make the final recommendation to the board of directors and it is so noted in the minutes. Once board approved, the human resources department will publish the approved salary ranges for the given year. The human resources department will present to the human resources committee (consisting of three board members) specific salary surveys to evaluate compensation for the president/ceo. The human resources committee meets with all members of the board in an executive session to discuss and evaluate compensation as well as review performance. Final compensation and/or adjustments are approved by the board of directors and are signed off by the chairperson of the board.”

Form 990, Part VI, Section C, Line 19

“Governing documents, conflict of interest policy, and financial statements are available upon request. In addition, monthly financial statements are posted in the lobby of each of our branch locations and copies are available upon request.”

Filing and Contact Details

Filer

Filer Name
Lbs Financial Credit Union
EIN
95-1644568
Phone
7148935111
Address
5505 GARDEN GROVE BLVD, WESTMINSTER, CA 92683

Signing Officer

Name
Susan M Wight
Title
SVP/CFO
Phone
7148935111
Signed
2017-11-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jeffrey a Napper
Formed
1935
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
300
Volunteers
12

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 XI, LINE 9:

“Change in other comprehensive income -5,609,127.”

FORM 990, PART XI, LINE 2C:

“The organization did not change either its selection process or oversight process during the tax year. Form 990, section 1.263(a)-1(f) de minimis safe harbor election lbs financial credit union 5505 garden grove blvd. Westminster, ca 92683 taxpayer identification number: 95-1644568 for the year ending december 31, 2016. Lbs financial credit union is making the de minimis safe harbor election under reg. Sec. 1.263(a)-1(f).”

Financial Statement Notes

PART X, LINE 2:

“Asc 740-10-65 (fasb interpretation no. 48, accounting for uncertainty in income taxes, an interpretation of sfas no. 109) was issued to create a single model to address accounting uncertainty in tax positions. This standard clarifies the accounting for income taxes by prescribing a minimum recognition threshold a tax position is required to meet before being recognized in the financial statements. This standard also provides guidance on measurement, derecognition, classification, interest and penalties, disclosure and transition. The credit union adopted this standard on january 1, 2009. As a result of the implementation of this standard, the credit union did not recognize any liability for unrecognized tax benefits.”

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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1219015
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1325578
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1417791
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1512593
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1625469
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1714465
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1817025
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt197673
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2013952
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2114299
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2223957
IRS990/Form990PartVIISectionAGrp/PersonNm0ERIC DAVID
IRS990/Form990PartVIISectionAGrp/PersonNm1LUTHER WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm2JOHN FYLPAA
IRS990/Form990PartVIISectionAGrp/PersonNm3GENE ALLEN
IRS990/Form990PartVIISectionAGrp/PersonNm4PAMELA FELLMAN
IRS990/Form990PartVIISectionAGrp/PersonNm5LIONEL GATLEY
IRS990/Form990PartVIISectionAGrp/PersonNm6DOUGLAS WOOD
IRS990/Form990PartVIISectionAGrp/PersonNm7JEAN DAVIS
IRS990/Form990PartVIISectionAGrp/PersonNm8SATINDER HAWKINS
IRS990/Form990PartVIISectionAGrp/PersonNm9DAVID CONRAD
IRS990/Form990PartVIISectionAGrp/PersonNm10JOSEPH APFEL
IRS990/Form990PartVIISectionAGrp/PersonNm11RUSSELL YOUNG
IRS990/Form990PartVIISectionAGrp/PersonNm12JEFFREY NAPPER
IRS990/Form990PartVIISectionAGrp/PersonNm13SEAN HARDEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm14SUSAN WIGHT
IRS990/Form990PartVIISectionAGrp/PersonNm15DIANE JARECKI
IRS990/Form990PartVIISectionAGrp/PersonNm16KEVIN REED
IRS990/Form990PartVIISectionAGrp/PersonNm17HEATHER SUMMERS
IRS990/Form990PartVIISectionAGrp/PersonNm18ALFRED PARENT JR
IRS990/Form990PartVIISectionAGrp/PersonNm19ELIZABETH CONRADO
IRS990/Form990PartVIISectionAGrp/PersonNm20JEFFREY WILLIAM NIEDENTHAL
IRS990/Form990PartVIISectionAGrp/PersonNm21ELIZABETH PETERS
IRS990/Form990PartVIISectionAGrp/PersonNm22ZUNG-SHANG LIANG
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt31995
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5709
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt111083
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12811599
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13305951
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14218836
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15207988
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16207955
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17191239
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18160785
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19142165
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20141865
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21127042
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22125274
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
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt220
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9SUPERVISORY COMMITTEE CHAI
IRS990/Form990PartVIISectionAGrp/TitleTxt10SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt11SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt12PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt13E.V.P/CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt14S.V.P/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt15S.V.P/HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt16S.V.P./INFORMATION SYSTEMS
IRS990/Form990PartVIISectionAGrp/TitleTxt17S.V.P./MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt18V.P/COLLECTIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt19V.P/RESIDENTIAL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt20S.V.P./ MEMBER SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt21SENIOR FINANCIAL ANALYST
IRS990/Form990PartVIISectionAGrp/TitleTxt22V.P./INTERNAL AUDIT
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IRS990/Form990TFiledInd01
IRS990/FormationYr01935
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt017592
IRS990/GrantsToDomesticOrgsGrp/TotalAmt042879
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt048373063
IRS990/GrossRentsGrp/RealAmt0125465
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt015
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01030002
IRS990/InsuranceGrp/TotalAmt045974
IRS990/InterestGrp/TotalAmt05968560
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02735677
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02735677
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt01032796686
IRS990/InvestmentsProgramRelatedGrp/EOYAmt01104512711
IRS990/IRPDocumentCnt025003
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt027457890
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05630637
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04721040
IRS990/LandBldgEquipCostOrOtherBssAmt032178930
IRS990/LegalDomicileStateCd0CA
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0LBS FINANCIAL CREDIT UNION IS 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, LBS FINANCIAL CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNING, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0163260813
IRS990/NetAssetsOrFundBalancesEOYAmt0165661608
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt0125465
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0125465
IRS990/NetUnrelatedBusTxblIncmAmt0-570104
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01217588
IRS990/OfficeExpensesGrp/TotalAmt03013338
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06839484
IRS990/OtherAssetsTotalGrp/EOYAmt06507692
IRS990/OtherChangesInNetAssetsAmt0-5609127
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01736318
IRS990/OtherExpensesGrp/Desc0PROV. FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc1NET PERIODIC PENSION CO
IRS990/OtherExpensesGrp/Desc2NETWORK CHARGES & FEES
IRS990/OtherExpensesGrp/Desc3MISC OPERATING EXPENSE
IRS990/OtherExpensesGrp/TotalAmt03216469
IRS990/OtherExpensesGrp/TotalAmt11609765
IRS990/OtherExpensesGrp/TotalAmt21583855
IRS990/OtherExpensesGrp/TotalAmt3957225
IRS990/OtherLiabilitiesGrp/BOYAmt01051227315
IRS990/OtherLiabilitiesGrp/EOYAmt01145021225
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0NON-OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0362631
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0362631
IRS990/OtherRevenueTotalAmt0362631
IRS990/OtherSalariesAndWagesGrp/TotalAmt010599700
IRS990/OtherWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01013715
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0715333
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0913138
IRS990/PrincipalOfficerNm0JEFFREY A NAPPER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt036757234
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt15749673
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21894252
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt036757234
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt16007367
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22384689
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0257694
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1490437
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDING DEPOSIT SERVICES FOR OUR MEMBER-OWNERS WITH LOWER FEES AND ATTRACTIVE RATES. THE DEPOSIT SERVICES INCLUDE: CHECKING ACCOUNTS, SHARE SAVINGS, MONEY MARKET ACCOUNTS, SHARE CERTIFICATES OF DEPOSIT, IRAS, SPECIAL OCCASION CLUB ACCOUNTS, AND SUMMER SAVINGS PLANS.
IRS990/ProgSrvcAccomActy3Grp/Desc0IMPLEMENTED REMOTE DEPOSIT CAPTURE ALLOWING MEMBERS TO SEND IMAGES OF CHECK DEPOSITS USING THEIR MOBILE DEVICES. ALSO IMPLEMENTED MOBILE BANKING GIVING MEMBERS MORE CONVENIENT ACCESS TO THEIR ACCOUNTS, EMV CHIP CARDS, NEW REAL ESTATE 2ND TD PROGRAMS, AUTO PAY PROGRAM FOR MEMBERS TO SELF-MANAGE CONSUMER LOAN PAYMENTS, AND SAME DAY ACH PROCESSING.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt052619
IRS990/PYInvestmentIncomeAmt01671979
IRS990/PYOtherExpensesAmt020299420
IRS990/PYOtherRevenueAmt0310646
IRS990/PYProgramServiceRevenueAmt043997947
IRS990/PYRevenuesLessExpensesAmt010254711
IRS990/PYSalariesCompEmpBnftPaidAmt015373822
IRS990/PYTotalExpensesAmt035725861
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt045980572
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt08470
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt06512396
IRS990/ReconcilationRevenueExpnssAmt08009922
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0125465
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0163260813
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0165661608
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0165816123
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0191330610
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt06000
IRS990ScheduleC/PoliticalExpendituresAmt06000
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0940357265
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CCUL-PAC
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt06000
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt01201 K STREET 1050
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0SACRAMENTO
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0CA
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd095814
IRS990ScheduleC/TotalExemptFunctionExpendAmt06000
IRS990ScheduleD/BuildingsGrp/BookValueAmt01527219

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,322,308,462
Liabilities
$1,156,646,854
Net assets
$165,661,608
Revenue
$48,373,063
Expenses
$40,363,141
Net income
$8,009,922
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2,043$1,771$272$92.0$83.2$8.71
2023Detailed filing. Detailed filing data is available for this year.$1,970$1,708$262$79.4$65.0$14.4
2022Detailed filing. Detailed filing data is available for this year.$2,013$1,765$248$64.3$46.7$17.6
2021Detailed filing. Detailed filing data is available for this year.$1,979$1,755$224$57.2$44.7$12.5
2020Detailed filing. Detailed filing data is available for this year.$1,783$1,579$204$59.5$50.0$9.51
2019Detailed filing. Detailed filing data is available for this year.$1,535$1,333$201$61.4$50.6$10.7
2018Detailed filing. Detailed filing data is available for this year.$1,434$1,239$195$57.2$44.9$12.3
2017Detailed filing. Detailed filing data is available for this year.$1,381$1,201$179$51.3$41.5$9.83
2016Detailed filing. Detailed filing data is available for this year.$1,322$1,157$166$48.4$40.4$8.01
2015Detailed filing. Detailed filing data is available for this year.$1,219$1,055$163$46.0$35.7$10.3
2014Detailed filing. Detailed filing data is available for this year.$1,140$987$153$46.5$35.4$11.1
2013Detailed filing. Detailed filing data is available for this year.$1,099$956$143$46.2$36.6$9.54
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,061$930$131$34.9
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,024$899$124$36.3
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$988$880$109$44.7