Civic Intelligence

Ventura County Credit Union

EIN 95-1790568 • 501(c)14 • Ventura, CA

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Profile

Ventura county 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, ventura county credit union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefit, or service of the credit union being distributed to its members as patrons.

2575 Vista Del Mar Drive Suite 100Ventura, CA 93001

www.vccuonline.net

Siviq Scores

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

Liabilities / Assets

70th percentile

0.92x

Higher debt load relative to assets than 70% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Liabilities / Revenue

73rd percentile

16.70x

Higher debt load relative to revenue than 73% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Net Margin

78th percentile

15%

Higher net margin than 78% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Top Officer Pay

74th percentile

$1,415,723

Higher top officer pay than 74% of similar nonprofits.

Top officer pay equals 1.8% of source-year revenue.

501(c)14 • $1B+ nonprofits • Source year 2024

Asset Growth

63rd percentile

4.7%

Faster asset growth than 63% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Revenue Growth

52nd percentile

17%

Faster revenue growth than 52% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets70th percentile

Assets

Up

$1,418,680,359

Up $63,844,521 (+4.7%) from 2023

Liabilities

Up

$1,299,734,361

Up $49,039,009 (+3.9%) from 2023

Net Assets

Up

$118,945,998

Up $14,805,512 (+14%) from 2023

Operations
Liabilities / Revenue73rd percentileNet Margin78th percentile

Revenue

Up

$77,851,564

Up $11,189,504 (+17%) from 2023

Expenses

Up

$66,075,489

Up $12,810,325 (+24%) from 2023

Net Income

Down

$11,776,075

Down $1,620,821 (-12%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth63rd percentile

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

$1.5B$1.0B$500M$0Assets 2010: $509,461,923Liabilities 2010: $468,369,343Net Assets 2010: $41,092,5802010Assets 2011: $566,918,161Liabilities 2011: $520,261,041Net Assets 2011: $46,657,1202011Assets 2012: $627,947,577Liabilities 2012: $574,855,707Net Assets 2012: $53,091,8702012Assets 2013: $654,328,438Liabilities 2013: $596,326,295Net Assets 2013: $58,002,1432013Assets 2014: $693,515,945Liabilities 2014: $629,885,809Net Assets 2014: $63,630,1362014Assets 2015: $732,979,368Liabilities 2015: $666,101,992Net Assets 2015: $66,877,3762015Assets 2016: $809,485,815Liabilities 2016: $742,288,589Net Assets 2016: $67,197,2262016Assets 2017: $836,490,079Liabilities 2017: $765,307,612Net Assets 2017: $71,182,4672017Assets 2018: $862,256,443Liabilities 2018: $783,290,637Net Assets 2018: $78,965,8062018Assets 2019: $904,609,226Liabilities 2019: $815,203,049Net Assets 2019: $89,406,1772019Assets 2020: $1,114,149,062Liabilities 2020: $1,019,043,975Net Assets 2020: $95,105,0872020Assets 2021: $1,276,134,577Liabilities 2021: $1,176,845,485Net Assets 2021: $99,289,0922021Assets 2022: $1,285,662,841Liabilities 2022: $1,192,007,456Net Assets 2022: $93,655,3852022Assets 2023: $1,354,835,838Liabilities 2023: $1,250,695,352Net Assets 2023: $104,140,4862023Assets 2024: $1,418,680,359Liabilities 2024: $1,299,734,361Net Assets 2024: $118,945,9982024

Highlighted filing

2024

Assets$1,418,680,359
Liabilities$1,299,734,361
Net Assets$118,945,998
Open 2024 Filing

Operations Trend

Revenue Growth52nd percentile

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

$80M$60M$40M$20M$0Expenses 2010: $22,867,1812010Expenses 2011: $23,304,3032011Revenue 2012: $28,938,775Expenses 2012: $23,579,557Net Income 2012: $5,359,2182012Revenue 2013: $28,791,556Expenses 2013: $23,678,526Net Income 2013: $5,113,0302013Revenue 2014: $32,578,239Expenses 2014: $27,186,083Net Income 2014: $5,392,1562014Revenue 2015: $37,510,353Expenses 2015: $33,942,964Net Income 2015: $3,567,3892015Revenue 2016: $40,287,152Expenses 2016: $39,676,299Net Income 2016: $610,8532016Revenue 2017: $44,154,388Expenses 2017: $39,493,676Net Income 2017: $4,660,7122017Revenue 2018: $47,412,183Expenses 2018: $39,463,738Net Income 2018: $7,948,4452018Revenue 2019: $49,954,417Expenses 2019: $40,610,832Net Income 2019: $9,343,5852019Revenue 2020: $44,564,146Expenses 2020: $40,216,537Net Income 2020: $4,347,6092020Revenue 2021: $41,276,672Expenses 2021: $34,663,413Net Income 2021: $6,613,2592021Revenue 2022: $50,312,368Expenses 2022: $38,747,720Net Income 2022: $11,564,6482022Revenue 2023: $66,662,060Expenses 2023: $53,265,164Net Income 2023: $13,396,8962023Revenue 2024: $77,851,564Expenses 2024: $66,075,489Net Income 2024: $11,776,0752024

Highlighted filing

2024

Revenue$77,851,564
Expenses$66,075,489
Net Income$11,776,075
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$1,418,680,359
Liabilities
$1,299,734,361
Net assets
$118,945,998
Revenue
$77,851,564
Expenses
$66,075,489
Net income
$11,776,075
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,419$1,300$119$77.9$66.1$11.8
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,355$1,251$104$66.7$53.3$13.4
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,286$1,192$93.7$50.3$38.7$11.6
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,276$1,177$99.3$41.3$34.7$6.61
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,114$1,019$95.1$44.6$40.2$4.35
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$905$815$89.4$50.0$40.6$9.34
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$862$783$79.0$47.4$39.5$7.95
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$836$765$71.2$44.2$39.5$4.66
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$809$742$67.2$40.3$39.7$0.61
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$733$666$66.9$37.5$33.9$3.57
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$694$630$63.6$32.6$27.2$5.39
2013Detailed filing. Detailed filing data is available for this year.$654$596$58.0$28.8$23.7$5.11
2012Summary only. Only limited summary data is available for this year.$628$575$53.1$28.9$23.6$5.36
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$567$520$46.7$23.3
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$509$468$41.1$22.9
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 31, 2025
Return Version
2024v5.2
Gross Receipts
$77,851,564
Mission and Program Overview

Mission

Ventura county 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, ventura county credit union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefit, or service 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$978,613,091$1,042,807,255▲ $64,194,164
Investments in Publicly Traded Securities$253,450,869$222,236,473▼ $31,214,396
Rtn Earn Endowment Incm Other Fnds$104,140,486$118,945,998▲ $14,805,512
Savings and Temporary Cash Investments$48,901,513$59,403,456▲ $10,501,943
Land, Buildings, and Equipment, Net$26,545,784$29,499,181▲ $2,953,397
Cash and Non-Interest-Bearing Accounts$7,561,304$10,187,018▲ $2,625,714
Receivables From Officers Etc$8,618,791$8,786,458▲ $167,667
Prepaid Expenses and Deferred Charges$1,802,040$1,965,550▲ $163,510
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,354,835,838$1,418,680,359▲ $63,844,521
Other Assets Total$29,342,446$43,794,968▲ $14,452,522
Liabilities
Other Liabilities$1,228,033,351$1,277,121,601▲ $49,088,250
Accounts Payable and Accrued Expenses$22,662,001$22,612,760▼ $49,241
Total Liabilities$1,250,695,352$1,299,734,361▲ $49,039,009
Net Assets / Fund Balance
Total Net Assets Fund Balance$104,140,486$118,945,998▲ $14,805,512
Total Liabilities and Net Assets / Fund Balance$1,354,835,838$1,418,680,359▲ $63,844,521

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$15,279,659$15,340,566$30,620,225
Equipment$2,839,357$10,009,192$12,848,549
Land$9,698,188-$9,698,188
Leasehold Improvements$1,020,613$3,892,482$4,913,095
Other Land Buildings$661,364$2,498,956$3,160,320
Investment Program Related Org$108,261,493--
Compensation and Service Providers
Top Officer Pay74th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Linda RossiPresident/CEOFT$600,270$815,453$1,415,723
David KanongataaFinancial AdvisorFT$67,308$561,606$628,914
Linda SimCFOFT$392,905$156,249$549,154
Gavin BradleyCOOFT$391,946$154,936$546,882
Chad RitchieCIOFT$344,639$105,786$450,425
GINA O'CALLAGHANFinancial AdvisorFT$75,000$335,396$410,396
Beverly ArmendarizVP, Human ResourcesFT$267,111$76,975$344,086
Edmond SahakianCLOFT$239,999$94,338$334,337
April RemnantVP, Delivery SystemsFT$221,443$71,919$293,362
Christina EstesVP, MarketingFT$219,463$67,597$287,060
Anson MarAvp Business ServicesFT$66,387$212,614$279,001
Sean MccullochAvp Commercial LendingFT$194,608$50,272$244,880
Rodolfo Guevara TorresAvp Mortgage OperationsFT$193,528$50,344$243,872

Board Members and Trustees

NameTitle
Margo ByrneChairperson
Chung CamSupv Cmte Chair
Roxanne OstremVice Chairperson
Eric BulterBoard Member
Heather SumagaysayBoard Member
Jim SalasBoard Member
Mark TribbittBoard Member
Sue TatangeloBoard Member
Selfa SaucedoSecretary
Brenda AllisonSupv Cmte Member
John TroxelSupv Cmte Member
Kenneth KaganSupv Cmte Member
Scott KopaldSupv Cmte Member
Cory MaddenTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Co-opFinancial Services4950 AMON CARTER BLVD, Fort Worth, TX 76155$2,172,546
La Macchia Group INCFinancial Design157 N MILWAUKEE ST, Milwaukee, WI 53202$1,585,950
FtsiIt Services And It Consulting406 E HUNTINGTON DR STE 100, Monrovia, CA 91016$1,525,032
Horsetail Technologies LLCInformation Services1300 THAMES ST G20, Baltimore, MD 21231$1,043,571
Jack Henry & Associates INCFinancial ServicesPO BOX 609, Monett, MO 65708$756,843
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$62,097,996
Investment Income
$15,753,568
Other Revenue
$0
Change in Net Assets
$11,776,075
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$45,678,830
Salaries, Compensation, and Employee Benefits$20,127,412
Grants and Similar Amounts Paid$269,247
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$21,198,437
Other Salaries and Wages---$10,882,450
Office Expenses---$5,029,322
Current Officers, Directors, Trustees, and Key Employees---$4,915,042
Information Technology---$3,117,796
Depreciation Depletion---$2,221,802
Occupancy---$2,020,703
Other Employee Benefits---$1,921,570
Fees for Services Other---$1,583,883
Advertising---$1,390,577
Pension Plan Contributions---$1,295,451
Payroll Taxes---$1,112,899
Fees for Services Accounting---$353,474
Grants to Domestic Orgs---$263,247
Travel---$255,088
Fees for Services Legal---$184,494
Other Expenses---$162,430
Insurance---$161,607
Grants to Domestic Individuals---$6,000
Total Functional Expenses$0$0$0$66,075,489
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Food Share IncOxnard, CA501(c)(3)To Fight Against Hunger in Ventura County.$111,505
The Foundation of VccuVentura, CA501(c)(3)To Provide Financial Assistance and Education to Local Community Partners.$48,592
Boys and Girls Club of Santa Clara ValleySanta Paula, CA501(c)(3)TO PROVIDE PROGRAMS DESIGNED TO ENRICH CHILDREN'S LIVES.$12,600
Worldwide Foundation for Credit UnionsMadison, WI501(c)(3)TO SUPPORT THE GLOBAL WOMEN'S LEADERSHIP NETWORK.$10,000
InclusivNew York, NY501(c)(3)To Help Low- and Moderate-income People and Communities Achieve Financial Independence.$7,500
Interface Children & Family Services IncCamarillo, CA501(c)(3)To Provide Mental Health and Trauma Treatment Programs.$6,500
Vc Family Justice Center FoundationVentura, CA501(c)(3)To Provide Funding and Resources for Victims and Survivors of Domestic Violence and Other Violent Crimes in Ventura County.$6,103
Make a Wish Tri-countiesCamarillo, CA501(c)(3)To Grant Wishes of Children With Life-threatening Medical Conditions.$5,100
Museum of Ventura CountyVentura, CA501(c)(3)To Support the Museum of Ventura County and Its Educational, Cultural, and Community Programs.$5,100
WOMEN'S ECONOMIC VENTURESSanta Barbara, CA501(c)(3)To Empower Women to Realize Their Dreams and Achieve Financial Independence and Success.$5,013
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$8,173
Section 527 Activity Spending$8,173
Total Exempt Function Spending$8,173

Section 527 Organizations

OrganizationLocationAmount
94-0357265Sacramento, CA$8,173
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$8,618,791$8,786,458▲ $167,667
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Shares and Deposits$1,264,986,897
Borrowings$10,000,000
Allowance for Credit Loss$1,125,502
Dividends Payable$1,009,202
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, Section A, Line 6

“Ventura county 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. Ventura county credit union does not have stockholders.”

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

“The governing body of ventura county 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

“Advanced monthly board packages, including financial statements and other relevant information are distributed to the board monthly, in advance of the board meeting.”

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

“The board reviews any exception on a periodic basis pursuant to the organization's conflict of interest policy and provides any resolution where necessary.”

Form 990, Part VI, Section B, Line 15

“The human resource dept. Gathers relevant salary information comparable within industry and market standards. Thereafter, appropriate recommendations are provided to the ceo for review and approval.”

Form 990, Part VI, Section C, Line 19

“The organization makes available its financial statements in every branch location on a monthly basis and provides any governing documents and conflict of interest policy upon request.”

FORM 990, PART VI, LINES 1A AND 1B:

“During 2024, the number of voting members of the governing body and the number of independent voting members increased from 7 to 9.”

Filing and Contact Details

Filer

Filer Name
Ventura County Credit Union
EIN
95-1790568
Phone
8054774024
Address
2575 VISTA DEL MAR DRIVE SUITE 100, VENTURA, CA 93001

Signing Officer

Name
Linda Sim
Title
CFO
Phone
8054774028
Signed
2025-10-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Linda Rossi
Formed
1950
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
245
Volunteers
14

Preparer

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

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The organization has not changed either its oversight process or selection process during the tax year.”

Financial Statement Notes

PART X, LINE 2:

“Fasb asc 740-10-65, income taxes, provides guidance for how uncertain tax positions should be recognized, measured, disclosed and presented in the financial statements. This requires the evaluation of tax positions taken or expected to be taken in the course of preparing the credit union's tax returns to determine whether the tax positions are "more likely than not" of being sustained "when challenged or "when examined" by the applicable tax authority. Tax positions deemed to not meet the more-likely-than-not threshold should be recorded as a tax expense and liability in the current year. For the years ended june 30, 2024 and 2023, management has determined that there are no material uncertain tax positions.”

Raw XML AppendixShowing 400 of 950 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt022662001
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt022612760
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS.
IRS990/AdvertisingGrp/TotalAmt01390577
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0LINDA SIM CFO
IRS990/BooksInCareOfDetail/PhoneNum08054774024
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02575 VISTA DEL MAR DRIVE SUITE 100
IRS990/BooksInCareOfDetail/USAddress/CityNm0VENTURA
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd093001
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt07561304
IRS990/CashNonInterestBearingGrp/EOYAmt010187018
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt042
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt04915042
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt02172546
IRS990/ContractorCompensationGrp/CompensationAmt11585950
IRS990/ContractorCompensationGrp/CompensationAmt21525032
IRS990/ContractorCompensationGrp/CompensationAmt31043571
IRS990/ContractorCompensationGrp/CompensationAmt4756843
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt04950 AMON CARTER BLVD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1157 N MILWAUKEE ST
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2406 E HUNTINGTON DR STE 100
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt31300 THAMES ST G20
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt4PO BOX 609
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0FORT WORTH
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1MILWAUKEE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2MONROVIA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3BALTIMORE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4MONETT
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0TX
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1WI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3MD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4MO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd076155
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd153202
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd291016
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd321231
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd465708
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0CO-OP
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1LA MACCHIA GROUP INC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2FTSI
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3HORSETAIL TECHNOLOGIES LLC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4JACK HENRY & ASSOCIATES INC
IRS990/ContractorCompensationGrp/ServicesDesc0FINANCIAL SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc1FINANCIAL DESIGN
IRS990/ContractorCompensationGrp/ServicesDesc2IT SERVICES AND IT CONSULTING
IRS990/ContractorCompensationGrp/ServicesDesc3INFORMATION SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc4FINANCIAL SERVICES
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt0269247
IRS990/CYInvestmentIncomeAmt015753568
IRS990/CYOtherExpensesAmt045678830
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt062097996
IRS990/CYRevenuesLessExpensesAmt011776075
IRS990/CYSalariesCompEmpBnftPaidAmt020127412
IRS990/CYTotalExpensesAmt066075489
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
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IRS990/Desc0DURING 2024, VENTURA COUNTY CREDIT UNION WAS RECOGNIZED BY THE VC REPORTERS BEST OF READERS' POLL AS THE BEST FINANCIAL INSTITUTION IN VENTURA COUNTY FOR THE FIFTEENTH YEAR IN A ROW. VCCU WAS ALSO SELECTED AS THE RUNNER UP FOR BEST CREDIT UNION BY THE VC STAR.
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IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt11SUPV CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12SUPV CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13SUPV CMTE MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt18CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP, HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP, DELIVERY SYSTEMS
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP, MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt22FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt23FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt24AVP BUSINESS SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt25AVP MORTGAGE OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt26AVP COMMERCIAL LENDING
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IRS990/MissionDesc0VENTURA COUNTY 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, VENTURA COUNTY CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFIT, OR SERVICE OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0103631
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt160671
IRS990/ProgSrvcAccomActy2Grp/Desc0VENTURA COUNTY CREDIT UNION CONTINUED ITS EXCEPTIONAL MEMBER EXPERIENCE BY LAUNCHING A NEW ONLINE BANKING PLATFORM, INTRODUCING CREDIT SCORES FOR MEMBERS, LAUNCHING FAST FUNDS (MICRO LOANS FOR MEMBERS) AND REMODELING OUR OXNARD BRANCH.
IRS990/ProgSrvcAccomActy3Grp/Desc0VENTURA COUNTY CREDIT UNION WAS AWARDED THE CALIFORNIA CREDIT UNION LEAGUE SOCIAL IMPACT AWARD IN 2024.
IRS990/ProhibitedTaxShelterTransInd00
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