Civic Intelligence

Ilwu Credit Union

EIN 95-1786417 • 501(c)14 • Long Beach, CA

Profile

A cooperative, organized for the purpose of promoting thrift and savings among its members, creating a source of credit for them at rates of interest set by the board of directors, and providing an opportunity for them to use and control their own money on a democratic basis in order to improve their economic and social conditions. As a cooperative, i.l.w.u. 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.

PO Box 7629Long Beach, CA 90807

ilwucu.org

Siviq Scores

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

Liabilities / Assets

30th percentile

0.89x

Higher debt load relative to assets than 30% of similar nonprofits.

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

Liabilities / Revenue

95th percentile

22.23x

Higher debt load relative to revenue than 95% of similar nonprofits.

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

Net Margin

77th percentile

16%

Higher net margin than 77% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

91st percentile

9.6%

Faster asset growth than 91% of similar nonprofits.

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

Revenue Growth

1st percentile

-28%

Faster revenue growth than 1% of similar nonprofits.

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

Assets

Up

$291,502,392

Up $25,421,542 (+9.6%) from 2018

Liabilities

Up

$258,162,521

Up $22,857,530 (+9.7%) from 2018

Net Assets

Up

$33,339,871

Up $2,564,012 (+8.3%) from 2018

Revenue

Down

$11,612,140

Down $4,598,225 (-28%) from 2018

Expenses

Down

$9,716,566

Down $3,313,275 (-25%) from 2018

Net Income

Down

$1,895,574

Down $1,284,950 (-40%) from 2018

Trend Graphs

Balance Sheet Trend

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

$300M$200M$100M$0Assets 2010: $113,416,380Liabilities 2010: $101,786,004Net Assets 2010: $11,630,3762010Assets 2011: $118,665,175Liabilities 2011: $105,215,276Net Assets 2011: $13,449,8992011Assets 2012: $124,782,352Liabilities 2012: $109,323,237Net Assets 2012: $15,459,1152012Assets 2013: $139,464,820Liabilities 2013: $121,586,192Net Assets 2013: $17,878,6282013Assets 2014: $162,243,960Liabilities 2014: $142,074,817Net Assets 2014: $20,169,1432014Assets 2015: $186,397,193Liabilities 2015: $163,988,795Net Assets 2015: $22,408,3982015Assets 2016: $233,729,559Liabilities 2016: $208,235,550Net Assets 2016: $25,494,0092016Assets 2017: $249,282,389Liabilities 2017: $221,493,767Net Assets 2017: $27,788,6222017Assets 2018: $266,080,850Liabilities 2018: $235,304,991Net Assets 2018: $30,775,8592018Assets 2019: $291,502,392Liabilities 2019: $258,162,521Net Assets 2019: $33,339,8712019

Highlighted filing

2019

Assets$291,502,392
Liabilities$258,162,521
Net Assets$33,339,871

Operations Trend

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

$20M$15M$10M$5.0M$0Expenses 2010: $8,871,8942010Expenses 2011: $8,321,6832011Expenses 2012: $8,501,4422012Revenue 2013: $10,774,336Expenses 2013: $8,354,823Net Income 2013: $2,419,5132013Revenue 2014: $11,081,813Expenses 2014: $8,830,757Net Income 2014: $2,251,0562014Revenue 2015: $12,043,873Expenses 2015: $9,631,434Net Income 2015: $2,412,4392015Revenue 2016: $13,885,217Expenses 2016: $12,808,306Net Income 2016: $1,076,9112016Revenue 2017: $14,856,741Expenses 2017: $12,642,773Net Income 2017: $2,213,9682017Revenue 2018: $16,210,365Expenses 2018: $13,029,841Net Income 2018: $3,180,5242018Revenue 2019: $11,612,140Expenses 2019: $9,716,566Net Income 2019: $1,895,5742019

Highlighted filing

2019

Revenue$11,612,140
Expenses$9,716,566
Net Income$1,895,574

Filings

Latest Detailed Filing

The latest 2019 filing currently has summary financial data only. Showing the latest detailed filing from 2018 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 8, 2019
Return Version
2018v3.1
Gross Receipts
$21,571,575
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, i.l.w.u. Credit union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefits, or services of the credit union being distributed to its members as patrons.

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$192,362,162$218,272,151▲ $25,909,989
Rtn Earn Endowment Incm Other Fnds$27,788,622$30,775,859▲ $2,987,237
Investments in Publicly Traded Securities$35,630,195$29,018,196▼ $6,611,999
Land, Buildings, and Equipment, Net$8,939,272$8,729,786▼ $209,486
Cash and Non-Interest-Bearing Accounts$5,569,775$6,191,508▲ $621,733
Savings and Temporary Cash Investments$4,972,637$1,392,350▼ $3,580,287
Prepaid Expenses and Deferred Charges$479,752$494,917▲ $15,165
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$249,282,389$266,080,850▲ $16,798,461
Other Assets Total$1,328,596$1,981,942▲ $653,346
Liabilities
Other Liabilities$220,521,453$233,513,025▲ $12,991,572
Accounts Payable and Accrued Expenses$972,314$1,791,966▲ $819,652
Total Liabilities$221,493,767$235,304,991▲ $13,811,224
Net Assets / Fund Balance
Total Net Assets Fund Balance$27,788,622$30,775,859▲ $2,987,237
Total Liabilities and Net Assets / Fund Balance$249,282,389$266,080,850▲ $16,798,461

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,007,533$886,885$4,894,418
Land$3,701,202-$3,701,202
Leasehold Improvements$436,669$2,041,845$2,478,514
Equipment$584,382$1,623,020$2,207,402
Investment Program Related Org$24,568--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ralph RuizPresident & CEOFT$227,110$82,116$309,226
M Rod JacobsVP of TechnologyFT$132,561$50,797$183,358
Peter KoeppenVP of LendingFT$119,971$49,836$169,807
Robert YorkVP of MarketingFT$118,849$40,635$159,484
Devric ThomasVP of FinanceFT$135,377$12,017$147,394
Kimberly ThomasExecutive Vice PresidentFT$100,714$25,450$126,164
Kimberly MathisVP of OperationsFT$61,923$1,670$63,593
Lewis WrightBoard Member-$5,305-$5,305
Curtis CarterBoard Member-$5,025-$5,025
Robert BrooksVice Chairman-$3,094-$3,094
James HaukeSupv Cmte. Member-$2,810-$2,810
Armando PorrasSupv Cmte. Chairman-$2,656-$2,656

Board Members and Trustees

NameTitle
Peter CiaramitaroChairman
Dan ImbagliazzoBoard Member
Victor GallardoSecretary
Daniel MirandaSupv Cmte. Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,200,343
Investment Income
$792,299
Other Revenue
$1,217,723
Change in Net Assets
$3,180,524

Audited Revenue Reconciliation

Revenue per Audited Statements
$16,399,371
Revenue Not Reported on Financial Statements
$-189,006
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-189,006
Total Revenue per Audited Statements
$16,399,371
Total Revenue per Form 990
$16,210,365
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,187,432
Salaries, Compensation, and Employee Benefits$4,842,409
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,453,373
Interest---$1,287,264
Information Technology---$1,060,856
Other Employee Benefits---$1,007,990
Fees for Services Other---$994,615
Current Officers, Directors, Trustees, and Key Employees---$985,893
Occupancy---$729,954
Office Expenses---$433,623
Depreciation Depletion---$419,473
Advertising---$351,576
Payroll Taxes---$315,666
Travel---$145,704
Insurance---$126,923
Fees for Services Legal---$88,964
Pension Plan Contributions---$79,487
Fees for Services Accounting---$61,569
Other Expenses---$33,069
Total Functional Expenses$0$0$0$13,029,841

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$13,218,850
Total Expenses per Audited Statements$13,218,850
Total Expenses per Form 990$13,029,841
Expenses Not Reported on Form 990$0
Expenses Not Reported on Financial Statements$-189,009
Other Expense Adjustments$-189,009
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$3,931
Total Exempt Function Spending$3,931

Section 527 Organizations

OrganizationLocationAmount
94-0357265Ontario, CA$3,931
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$233,513,013
Accrued Dividends & Interest Payable$12
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
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

I.l.w.u 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. I.l.w.u credit union does not have stockholders.

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

The governing board of i.l.w.u. Credit union is comprised of volunteer members who are directly elected by its members. Each member of the governing board serves for a period as prescribed by our by-laws.

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

At the end of each term of the board members, elections are held and board members are voted by the members of the credit union pursuant to its by-laws. Member votes are also required to ratify decisions dealing with reorganizations as in the case of merger or dissolution.

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

Each board member shall receive a completed draft of the form 990 for review prior to filing each year.

Form 990, Part VI, Section B, Line 15

Ceo - salary information is obtained from cuna, ccul, and cues and reviewed by the board. The board determines the salary and other benefits and sends information to cu attorney.

Form 990, Part VI, Section C, Line 19

Our governing documents are available upon request. Our monthly financial statements are displayed at all of our branch locations as well as corporate headquarters. Our year end audited financial statements are presented in our annual meeting and we file our call reports on a quarterly basis with the ncua and dbo.

Filing and Contact Details

Filer

Filer Name
Ilwu Credit Union
EIN
95-1786417
Phone
3108346411
Address
PO BOX 7629, LONG BEACH, CA 90807

Signing Officer

Name
Ralph Ruiz
Title
President/CEO
Phone
3108346411
Signed
2019-11-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ralph Ruiz
Formed
1972
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
6
Employees
60
Volunteers
9

Preparer

Firm
Turner Warren Hwang & Conrad Acctcy
Address
100 NORTH FIRST ST STE 202, BURBANK, CA 91502
Preparer
Valentino Creus CPA
Phone
8189549700
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C

The organization has not changed either its oversight process of selection process during the tax year.

Financial Statement Notes

PART X, LINE 2:

The credit union is exempt, under internal revenue code (irc) 501(c)(14), from federal and state income taxes. The credit union has filed tax returns in the past for activities it has deemed taxable and has a minimal net operating loss carryforward as of the 2018 calendar year. The taxing authorities have the ability to assess taxes, penalties, and interest for any years for which no tax return has filed. In the opinion of management, any liability resulting from taxing authorities imposing ncome taxes on the net taxable income from activities potentially deemed to be unrelated to the credit union's exempt purposes is not expected to have a material effect on the credit union's financial position or results of operations. The credit union evaluated its tax positions and determined no uncertain tax positions exist as of december 31, 2018.

PART XI, LINE 4B - OTHER ADJUSTMENTS:

Reclassification of loss on disposal of fixed assets b/n revenue and expense rounding

PART XII, LINE 4B - OTHER ADJUSTMENTS:

Reclassification of loss on disposal of fixed assets b/n revenue and expense rounding

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IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt8SUPV CMTE. MEMBER
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-189001
IRS990/GainOrLossGrp/SecuritiesAmt0-2601
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt05169608
IRS990/GrossReceiptsAmt021571575
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt06
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01060856
IRS990/InsuranceGrp/TotalAmt0126923
IRS990/InterestGrp/TotalAmt01287264
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0983901
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0983901
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0192362162
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0218272151
IRS990/InvestmentsPubTradedSecGrp/BOYAmt035630195
IRS990/InvestmentsPubTradedSecGrp/EOYAmt029018196
IRS990/IRPDocumentCnt04486
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04551750
IRS990/LandBldgEquipBasisNetGrp/BOYAmt08939272
IRS990/LandBldgEquipBasisNetGrp/EOYAmt08729786
IRS990/LandBldgEquipCostOrOtherBssAmt013281536
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0189001
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt05172209
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0A 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, I.L.W.U. CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt030775859
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-191602
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-191602
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-193287
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0729954
IRS990/OfficeExpensesGrp/TotalAmt0433623
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01328596
IRS990/OtherAssetsTotalGrp/EOYAmt01981942
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01007990
IRS990/OtherExpensesGrp/Desc0MISC. EXPENSES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN & LE
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc3OPERATING FEES
IRS990/OtherExpensesGrp/TotalAmt01575529
IRS990/OtherExpensesGrp/TotalAmt1577351
IRS990/OtherExpensesGrp/TotalAmt2300962
IRS990/OtherExpensesGrp/TotalAmt333069
IRS990/OtherLiabilitiesGrp/BOYAmt0220521453
IRS990/OtherLiabilitiesGrp/EOYAmt0233513025
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER NON-OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01217723
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01217723
IRS990/OtherRevenueTotalAmt01217723
IRS990/OtherSalariesAndWagesGrp/TotalAmt02453373
IRS990/OtherWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0315666
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt079487
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0479752
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0494917
IRS990/PrincipalOfficerNm0RALPH RUIZ
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt09909621
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12317436
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21755349
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt09909621
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12535373
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21755349
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0217937
IRS990/ProgSrvcAccomActy2Grp/Desc0WE PROVIDED REAL ESTATE LOANS AT COMPETITIVE RATES FOR OUR MEMBERS.
IRS990/ProgSrvcAccomActy3Grp/Desc0WE PROVIDED REVOLVING LINES OF CREDIT AT COMPETITIVE RATES FOR OUR MEMBERS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt041866
IRS990/PYInvestmentIncomeAmt0954841
IRS990/PYOtherExpensesAmt07446816
IRS990/PYOtherRevenueAmt0516902
IRS990/PYProgramServiceRevenueAmt013384998
IRS990/PYRevenuesLessExpensesAmt02213968
IRS990/PYSalariesCompEmpBnftPaidAmt05154091
IRS990/PYTotalExpensesAmt012642773
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt014856741
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt03180524
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt027788622
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt030775859
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04972637
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01392350
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt03931
IRS990ScheduleC/PoliticalExpendituresAmt03931
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0940357265
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CCUL-PAC
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt03931
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt02855 E GUASTI ROAD SUITE 600
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0ONTARIO
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0CA
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd091761
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0CONTRIBUTION TO CALIFORNIA CREDIT UNION LEAGUE POLITICAL ACTION COMMITTEE
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I-A, LINE 1:
IRS990ScheduleC/TotalExemptFunctionExpendAmt03931
IRS990ScheduleD/BuildingsGrp/BookValueAmt04007533
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0886885
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04894418
IRS990ScheduleD/EquipmentGrp/BookValueAmt0584382
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01623020
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02207402
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0-189009
IRS990ScheduleD/ExpensesSubtotalAmt013218850
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt011466490
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1187729649
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt22123444
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt34478000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt412450000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt524568
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0ALL OTHER INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1LOANS AND LEASES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3DEPOSITS IN COMMERCIAL BANKS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4INVESTMENTS IN NATURAL PERSON CU
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5PAID IN CAPITAL AT CORP
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd5C
IRS990ScheduleD/LandGrp/BookValueAmt03701202
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03701202
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0436669
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt02041845
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt02478514
IRS990ScheduleD/OtherExpensesNotIncludedAmt0-189009
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0233513013
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt112
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED DIVIDENDS & INTEREST PAYABLE
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0-189006
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0-189006
IRS990ScheduleD/RevenueSubtotalAmt016399371
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT, UNDER INTERNAL REVENUE CODE (IRC) 501(C)(14), FROM FEDERAL AND STATE INCOME TAXES. THE CREDIT UNION HAS FILED TAX RETURNS IN THE PAST FOR ACTIVITIES IT HAS DEEMED TAXABLE AND HAS A MINIMAL NET OPERATING LOSS CARRYFORWARD AS OF THE 2018 CALENDAR YEAR. THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES, AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN HAS FILED. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING NCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES POTENTIALLY DEEMED TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSES IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2018.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1RECLASSIFICATION OF LOSS ON DISPOSAL OF FIXED ASSETS B/N REVENUE AND EXPENSE ROUNDING
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2RECLASSIFICATION OF LOSS ON DISPOSAL OF FIXED ASSETS B/N REVENUE AND EXPENSE ROUNDING
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XII, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08729786
IRS990ScheduleD/TotalBookValueProgramRltdAmt0218272151
IRS990ScheduleD/TotalExpensesPerForm990Amt013029841
IRS990ScheduleD/TotalLiabilityAmt0233513025
IRS990ScheduleD/TotalRevenuePerForm990Amt016210365
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt016399371
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt013218850
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0ILWU CREDIT UNION DONATES MONEY TO CHARITIES OR FOUNDATIONS. ALL DONATIONS REQUIRE BOARD APPROVAL.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2:
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0227110
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1119971

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