Civic Intelligence

University Credit Union

990 • Fiscal year 2019 • EIN 95-1715669

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 25, 2020

Organization ProfileUCU.ORG

View Organization Page

1500 S Sepulveda BlvdLos Angeles, CA 90025

(310) 477-6628

Siviq Scores

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

Liabilities / Assets

97th percentile

0.92x

Higher debt load relative to assets than 97% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

97th percentile

23.49x

Higher debt load relative to revenue than 97% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Net Margin

48th percentile

14%

Higher net margin than 48% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

65th percentile

$490,564

Higher top officer pay than 65% of similar nonprofits.

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

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Asset Growth

91st percentile

13%

Faster asset growth than 91% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

87th percentile

17%

Faster revenue growth than 87% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets97th percentile

Assets

Up

$739,871,151

Up $85,294,045 (+13%) from 2018

Net Assets

Up

$59,100,534

Up $6,210,820 (+12%) from 2018

Liabilities

Up

$680,770,617

Up $79,083,225 (+13%) from 2018

Revenue And Expenses
Liabilities / Revenue97th percentileNet Margin48th percentile

Revenue

Up

$28,983,428

Up $4,212,583 (+17%) from 2018

Expenses

Up

$24,967,316

Up $5,262,671 (+27%) from 2018

Net Income

Down

$4,016,112

Down $1,050,088 (-21%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth91st percentile

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

$1.5B$1.0B$500M$0Assets 2010: $423,560,547Liabilities 2010: $388,657,098Net Assets 2010: $34,903,4492010Assets 2011: $440,174,103Liabilities 2011: $406,069,780Net Assets 2011: $34,104,3232011Assets 2012: $471,855,967Liabilities 2012: $437,490,234Net Assets 2012: $34,365,7332012Assets 2013: $475,212,141Liabilities 2013: $439,538,324Net Assets 2013: $35,673,8172013Assets 2014: $494,349,768Liabilities 2014: $455,703,849Net Assets 2014: $38,645,9192014Assets 2015: $542,793,198Liabilities 2015: $501,793,243Net Assets 2015: $40,999,9552015Assets 2016: $597,150,007Liabilities 2016: $552,636,464Net Assets 2016: $44,513,5432016Assets 2017: $634,478,371Liabilities 2017: $585,003,814Net Assets 2017: $49,474,5572017Assets 2018: $654,577,106Liabilities 2018: $601,687,392Net Assets 2018: $52,889,7142018Assets 2019: $739,871,151Liabilities 2019: $680,770,617Net Assets 2019: $59,100,5342019Assets 2020: $872,638,821Liabilities 2020: $810,813,317Net Assets 2020: $61,825,5042020Assets 2021: $1,047,100,792Liabilities 2021: $967,818,688Net Assets 2021: $79,282,1042021Assets 2022: $1,226,015,965Liabilities 2022: $1,142,366,396Net Assets 2022: $83,649,5692022Assets 2023: $1,165,726,881Liabilities 2023: $1,075,971,960Net Assets 2023: $89,754,9212023Assets 2024: $1,135,866,462Liabilities 2024: $1,038,387,018Net Assets 2024: $97,479,4442024

Highlighted filing

2019

Assets$739,871,151
Liabilities$680,770,617
Net Assets$59,100,534
Open 2019 Filing

Operations Trend

Revenue Growth87th percentile

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

$80M$60M$40M$20M$0Expenses 2010: $17,532,7842010Expenses 2011: $15,016,5702011Expenses 2012: $14,093,6262012Revenue 2013: $13,785,372Expenses 2013: $13,498,947Net Income 2013: $286,4252013Revenue 2014: $13,977,308Expenses 2014: $11,439,703Net Income 2014: $2,537,6052014Revenue 2015: $16,533,365Expenses 2015: $11,713,754Net Income 2015: $4,819,6112015Revenue 2016: $18,607,297Expenses 2016: $15,561,553Net Income 2016: $3,045,7442016Revenue 2017: $20,710,825Expenses 2017: $17,632,921Net Income 2017: $3,077,9042017Revenue 2018: $24,770,845Expenses 2018: $19,704,645Net Income 2018: $5,066,2002018Revenue 2019: $28,983,428Expenses 2019: $24,967,316Net Income 2019: $4,016,1122019Revenue 2020: $29,857,360Expenses 2020: $25,954,446Net Income 2020: $3,902,9142020Revenue 2021: $33,672,841Expenses 2021: $28,188,087Net Income 2021: $5,484,7542021Revenue 2022: $44,807,900Expenses 2022: $37,544,143Net Income 2022: $7,263,7572022Revenue 2023: $60,522,723Expenses 2023: $54,474,803Net Income 2023: $6,047,9202023Revenue 2024: $66,929,654Expenses 2024: $61,123,730Net Income 2024: $5,805,9242024

Highlighted filing

2019

Revenue$28,983,428
Expenses$24,967,316
Net Income$4,016,112
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 25, 2020
Return Version
2019v5.0
Gross Receipts
$28,983,428
Mission and Program Overview

Mission

Non-profit, state chartered, natural person credit union, provide competitve financial services to the members of university credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$305,709,854$402,637,299▲ $96,927,445
Investments Program Related$256,661,955$203,020,759▼ $53,641,196
Savings and Temporary Cash Investments$50,187,933$84,664,956▲ $34,477,023
Rtn Earn Endowment Incm Other Fnds$52,889,714$59,100,534▲ $6,210,820
Land, Buildings, and Equipment, Net$9,504,254$9,850,082▲ $345,828
Cash and Non-Interest-Bearing Accounts$5,601,707$6,473,913▲ $872,206
Receivables From Officers Etc$567,735$2,139,438▲ $1,571,703
Intangible Assets-$1,224,813-
Prepaid Expenses and Deferred Charges$1,081,605$1,023,265▼ $58,340
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Other Securities-$0-
Investments in Publicly Traded Securities-$0-
Inventories for Sale or Use-$0-
Total Assets$654,577,106$739,871,151▲ $85,294,045
Other Assets Total$25,262,063$28,836,626▲ $3,574,563
Liabilities
Other Liabilities$597,816,265$673,352,599▲ $75,536,334
Accounts Payable and Accrued Expenses$3,871,127$7,418,018▲ $3,546,891
Total Liabilities$601,687,392$680,770,617▲ $79,083,225
Net Assets / Fund Balance
Total Net Assets Fund Balance$52,889,714$59,100,534▲ $6,210,820
Total Liabilities and Net Assets / Fund Balance$654,577,106$739,871,151▲ $85,294,045

Asset Categories

AssetBook ValueDepreciationBasis
Land$6,328,481-$6,328,481
Buildings$1,767,095$2,663,279$4,430,374
Equipment$854,298$2,102,318$2,956,616
Leasehold Improvements$796,315$177,055$973,370
Other Land Buildings$103,893$9,648$113,541
Compensation and Service Providers
Top Officer Pay65th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tuyo DavidPresident & CEOFT$384,284$106,280$490,564
Sercu Steven PChief TechnologFT$190,956$49,022$239,978
Nagahashi EstelaEVP & Chief LenFT$172,718$29,164$201,882
Ko ScottCFOFT$121,278$32,505$153,783
Vanover SandraChief People OfficFT$141,362$6,679$148,041
Dion Chen TristanChief MarketingFT$134,554$5,971$140,525
Hendricks MildredVP, Finance & AccoFT$133,543$5,876$139,419
Perkins Evany JChief Experience OFT$131,446$5,509$136,955
Aragon PatrickTechnical SolutioFT$129,384$5,272$134,656
Odle Larry DSVP, Chief DevelopFT$123,566$5,263$128,829
Rizk SergeCFOFT$22,777-$22,777

Board Members and Trustees

NameTitle
Ladevaia NormaBOD Chair
Aubin AlbertSc Chair
Permaul JaneBOD Vice Chair
Dennis RayDirector
Howe LeaDirector
Nevarez GloriaDirector
Ray DennisDirector
Yamashita RichardDirector
Young KeithDirector
Yzquierdo ElizabethBOD Treas/Sec
Burrill PamelaSC member
Lowe PatriciaSC Secretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Zag Interactive LLCOnline Marketing148 EASTERN BLVD, Glastonbury, CT 06033$203,512
Mai Construction INCConstruction50 BONAVENTURA DRIVE, San Jose, CA 95134$176,996
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$16,885,975
Investment Income
$6,113,920
Other Revenue
$5,983,533
Change in Net Assets
$4,016,112

Audited Revenue Reconciliation

Revenue per Audited Statements
$28,983,428
Total Revenue per Audited Statements
$28,983,428
Total Revenue per Form 990
$28,983,428
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$12,171,485
Salaries, Compensation, and Employee Benefits$9,384,896
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$6,410,744
Benefits to Members---$3,410,935
Advertising---$2,409,867
Current Officers, Directors, Trustees, and Key Employees---$1,866,838
Fees for Services Other---$1,723,395
Information Technology---$1,470,007
Office Expenses---$1,289,387
Occupancy---$880,698
Payroll Taxes---$555,448
Pension Plan Contributions---$551,866
Conferences and Meetings---$391,977
Fees for Services Legal---$177,043
Fees for Services Accounting---$120,000
Other Expenses---$81,970
Interest---$1,995
Total Functional Expenses$0$0$0$24,967,316

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$24,967,316
Total Expenses per Audited Statements$24,967,316
Total Expenses per Form 990$24,967,316
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
Receivables from Officers, Directors, Trustees, and Key Employees$567,735$2,139,438▲ $1,571,703
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$233,951,865
Money Market Shares$190,870,351
Share Drafts$162,087,866
Share Certificates$69,729,519
Ira/keogh Accounts$16,712,998
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“Most members are students, employees and alumni of any university, college or other higher learning institution in Southern California.”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“All members are eligible to vote at annual meeting for election of board.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“Tax return preparer sends copy of returns to CFO for review and approval. Once approved, tax preparer efiles Forms 990 and CA199. Forms 990T and CA 109 are submitted to appropriate government agencies through postal mail. Tax preparer sends CFO these tax returns.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
University Credit Union
EIN
95-1715669
Phone
3104776628
Address
1500 S SEPULVEDA BLVD, LOS ANGELES, CA 90025

Signing Officer

Name
Serge Rizk
Title
CFO
Signed
2020-11-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Serge Rizk
Formed
1951
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
129
Volunteers
12

Preparer

Firm
Richards & Associates
Address
21520 YORBA LINDA BLVD G-516, YORBA LINDA, CA 92887
Preparer
Richards Associates CPAs
Phone
7142876713
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Net change in other comprehensive income: = -$1283419”

Raw XML AppendixShowing 400 of 750 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/Form990PartVIISectionAGrp/TitleTxt0President & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chief Technolog
IRS990/Form990PartVIISectionAGrp/TitleTxt2EVP & Chief Len
IRS990/Form990PartVIISectionAGrp/TitleTxt3CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHIEF PEOPLE OFFIC
IRS990/Form990PartVIISectionAGrp/TitleTxt5Chief Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt6VP, Finance & Acco
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHIEF EXPERIENCE O
IRS990/Form990PartVIISectionAGrp/TitleTxt8Technical Solutio
IRS990/Form990PartVIISectionAGrp/TitleTxt9SVP, Chief Develop
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11SC CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt12SC Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt13SC member
IRS990/Form990PartVIISectionAGrp/TitleTxt14Director
IRS990/Form990PartVIISectionAGrp/TitleTxt15Director
IRS990/Form990PartVIISectionAGrp/TitleTxt16BOD Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt17Director
IRS990/Form990PartVIISectionAGrp/TitleTxt18BOD Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt19Director
IRS990/Form990PartVIISectionAGrp/TitleTxt20BOD Treas/Sec
IRS990/Form990PartVIISectionAGrp/TitleTxt21Director
IRS990/Form990PartVIISectionAGrp/TitleTxt22Director
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IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/EOYAmt01224813
IRS990/InterestGrp/TotalAmt01995
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt06113920
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt06113920
IRS990/InvestmentInJointVentureInd0true
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IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04952300
IRS990/LandBldgEquipBasisNetGrp/BOYAmt09504254
IRS990/LandBldgEquipBasisNetGrp/EOYAmt09850082
IRS990/LandBldgEquipCostOrOtherBssAmt014802382
IRS990/LegalDomicileStateCd0CA
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0NON-PROFIT, STATE CHARTERED, NATURAL PERSON CREDIT UNION, PROVIDE COMPETITVE FINANCIAL SERVICES TO THE MEMBERS OF UNIVERSITY CREDIT UNION.
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IRS990/MoreThan5000KToOrgInd0false
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IRS990/NetAssetsOrFundBalancesEOYAmt059100534
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IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt03478127
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IRS990/OfficeExpensesGrp/TotalAmt01289387
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
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IRS990/OtherChangesInNetAssetsAmt0-1283419
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IRS990/OtherExpensesGrp/Desc0Provision for Loan Losses
IRS990/OtherExpensesGrp/Desc1Loan servicing
IRS990/OtherExpensesGrp/Desc2Misc Operating Expenses
IRS990/OtherExpensesGrp/Desc3Operating fees
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IRS990/OtherExpensesGrp/TotalAmt11159604
IRS990/OtherExpensesGrp/TotalAmt21000591
IRS990/OtherExpensesGrp/TotalAmt381970
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IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt12500
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt23916450
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt12500
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt24029420
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IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt1112970
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IRS990/OtherWebsiteInd0X
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IRS990/PensionPlanContributionsGrp/TotalAmt0551866
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IRS990/PoliticalCampaignActyInd0false
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01023265
IRS990/PrincipalOfficerNm0SERGE RIZK
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IRS990/PYInvestmentIncomeAmt05700719
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IRS990/PYOtherExpensesAmt08425679
IRS990/PYOtherRevenueAmt06048874
IRS990/PYProgramServiceRevenueAmt013021252
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IRS990/PYSalariesCompEmpBnftPaidAmt09223376
IRS990/PYTotalExpensesAmt019704645
IRS990/PYTotalRevenueAmt024770845
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IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0567735
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt02139438
IRS990/ReconcilationRevenueExpnssAmt04016112
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IRS990/RelatedEntityInd0false
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IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$739,871,151
Liabilities
$680,770,617
Net assets
$59,100,534
Revenue
$28,983,428
Expenses
$24,967,316
Net income
$4,016,112
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,136$1,038$97.5$66.9$61.1$5.81
2023Detailed filing. Detailed filing data is available for this year.$1,166$1,076$89.8$60.5$54.5$6.05
2022Detailed filing. Detailed filing data is available for this year.$1,226$1,142$83.6$44.8$37.5$7.26
2021Detailed filing. Detailed filing data is available for this year.$1,047$968$79.3$33.7$28.2$5.48
2020Detailed filing. Detailed filing data is available for this year.$873$811$61.8$29.9$26.0$3.90
2019Detailed filing. Detailed filing data is available for this year.$740$681$59.1$29.0$25.0$4.02
2018Detailed filing. Detailed filing data is available for this year.$655$602$52.9$24.8$19.7$5.07
2017Detailed filing. Detailed filing data is available for this year.$634$585$49.5$20.7$17.6$3.08
2016Detailed filing. Detailed filing data is available for this year.$597$553$44.5$18.6$15.6$3.05
2015Detailed filing. Detailed filing data is available for this year.$543$502$41.0$16.5$11.7$4.82
2014Detailed filing. Detailed filing data is available for this year.$494$456$38.6$14.0$11.4$2.54
2013Detailed filing. Detailed filing data is available for this year.$475$440$35.7$13.8$13.5$0.29
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$472$437$34.4$14.1
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$440$406$34.1$15.0
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$424$389$34.9$17.5