Civic Intelligence

Safe 1 Credit Union

EIN 95-1812302 • 501(c)14 • Bakersfield, CA

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Profile

Provided deposit and loan accounts to 81,521 members. Provided low cost source of credit and low cost financial services to our members. Provided source for member savings and checking account needs.

1400 Mill Rock WayBakersfield, CA 93311

safe1.org

Siviq Scores

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

Liabilities / Assets

4th percentile

0.85x

Higher debt load relative to assets than 4% of similar nonprofits.

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

Liabilities / Revenue

32nd percentile

14.41x

Higher debt load relative to revenue than 32% of similar nonprofits.

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

Net Margin

94th percentile

23%

Higher net margin than 94% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

10th percentile

-3.5%

Faster asset growth than 10% of similar nonprofits.

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

Revenue Growth

75th percentile

25%

Faster revenue growth than 75% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets4th percentile

Assets

Down

$1,001,281,015

Down $36,164,201 (-3.5%) from 2023

Liabilities

Down

$849,673,057

Down $52,349,352 (-5.8%) from 2023

Net Assets

Up

$151,607,958

Up $16,185,151 (+12%) from 2023

Operations
Liabilities / Revenue32nd percentileNet Margin94th percentile

Revenue

Up

$58,951,487

Up $11,894,171 (+25%) from 2023

Expenses

Up

$45,235,986

Up $10,980,391 (+32%) from 2023

Net Income

Up

$13,715,501

Up $913,780 (+7.1%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth10th percentile

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

$1.5B$1.0B$500M$0Assets 2010: $322,490,137Liabilities 2010: $282,470,788Net Assets 2010: $40,019,3492010Assets 2011: $331,145,472Liabilities 2011: $285,878,620Net Assets 2011: $45,266,8522011Assets 2012: $346,460,854Liabilities 2012: $295,808,537Net Assets 2012: $50,652,3172012Assets 2013: $359,218,024Liabilities 2013: $303,479,636Net Assets 2013: $55,738,3882013Assets 2014: $381,968,430Liabilities 2014: $321,310,011Net Assets 2014: $60,658,4192014Assets 2015: $404,837,548Liabilities 2015: $340,016,330Net Assets 2015: $64,821,2182015Assets 2016: $448,976,247Liabilities 2016: $380,046,770Net Assets 2016: $68,929,4772016Assets 2017: $605,418,939Liabilities 2017: $516,786,372Net Assets 2017: $88,632,5672017Assets 2018: $620,002,186Liabilities 2018: $524,080,883Net Assets 2018: $95,921,3032018Assets 2019: $652,808,295Liabilities 2019: $549,328,525Net Assets 2019: $103,479,7702019Assets 2020: $789,474,402Liabilities 2020: $682,567,928Net Assets 2020: $106,906,4742020Assets 2021: $882,218,839Liabilities 2021: $767,173,019Net Assets 2021: $115,045,8202021Assets 2022: $893,921,948Liabilities 2022: $776,353,444Net Assets 2022: $117,568,5042022Assets 2023: $1,037,445,216Liabilities 2023: $902,022,409Net Assets 2023: $135,422,8072023Assets 2024: $1,001,281,015Liabilities 2024: $849,673,057Net Assets 2024: $151,607,9582024

Highlighted filing

2024

Assets$1,001,281,015
Liabilities$849,673,057
Net Assets$151,607,958
Open 2024 Filing

Operations Trend

Revenue Growth75th percentile

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

$60M$40M$20M$0Expenses 2010: $15,295,9052010Expenses 2011: $12,091,3172011Expenses 2012: $10,818,8702012Revenue 2013: $15,878,513Expenses 2013: $10,792,442Net Income 2013: $5,086,0712013Revenue 2014: $15,865,112Expenses 2014: $10,945,081Net Income 2014: $4,920,0312014Revenue 2015: $16,190,377Expenses 2015: $12,027,578Net Income 2015: $4,162,7992015Revenue 2016: $17,419,387Expenses 2016: $13,311,128Net Income 2016: $4,108,2592016Revenue 2017: $38,565,784Expenses 2017: $18,862,694Net Income 2017: $19,703,0902017Revenue 2018: $27,555,279Expenses 2018: $20,266,543Net Income 2018: $7,288,7362018Revenue 2019: $30,497,624Expenses 2019: $23,058,918Net Income 2019: $7,438,7062019Revenue 2020: $29,174,406Expenses 2020: $25,833,264Net Income 2020: $3,341,1422020Revenue 2021: $31,709,668Expenses 2021: $21,697,513Net Income 2021: $10,012,1552021Revenue 2022: $36,115,479Expenses 2022: $25,739,563Net Income 2022: $10,375,9162022Revenue 2023: $47,057,316Expenses 2023: $34,255,595Net Income 2023: $12,801,7212023Revenue 2024: $58,951,487Expenses 2024: $45,235,986Net Income 2024: $13,715,5012024

Highlighted filing

2024

Revenue$58,951,487
Expenses$45,235,986
Net Income$13,715,501
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
$1,001,281,015
Liabilities
$849,673,057
Net assets
$151,607,958
Revenue
$58,951,487
Expenses
$45,235,986
Net income
$13,715,501
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,001$850$152$59.0$45.2$13.7
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,037$902$135$47.1$34.3$12.8
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$894$776$118$36.1$25.7$10.4
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$882$767$115$31.7$21.7$10.0
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$789$683$107$29.2$25.8$3.34
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$653$549$103$30.5$23.1$7.44
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$620$524$95.9$27.6$20.3$7.29
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$605$517$88.6$38.6$18.9$19.7
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$449$380$68.9$17.4$13.3$4.11
2015Detailed filing. Detailed filing data is available for this year.$405$340$64.8$16.2$12.0$4.16
2014Detailed filing. Detailed filing data is available for this year.$382$321$60.7$15.9$10.9$4.92
2013Detailed filing. Detailed filing data is available for this year.$359$303$55.7$15.9$10.8$5.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$346$296$50.7$10.8
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$331$286$45.3$12.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$322$282$40.0$15.3
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Dec 17, 2025
Return Version
2024v5.2
Gross Receipts
$58,951,487
Mission and Program Overview

Mission

Provide borrowing source and offer competitive financial products to members of Safe 1 Credit Union

Provided deposit and loan accounts to 81,521 members. Provided low cost source of credit and low cost financial services to our members. Provided source for member savings and checking account needs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$726,257,213$748,301,781▲ $22,044,568
Rtn Earn Endowment Incm Other Fnds$135,422,807$151,607,958▲ $16,185,151
Savings and Temporary Cash Investments$131,361,010$113,096,134▼ $18,264,876
Investments Program Related$110,303,676$63,143,355▼ $47,160,321
Land, Buildings, and Equipment, Net$15,971,216$18,326,761▲ $2,355,545
Cash and Non-Interest-Bearing Accounts$14,641,965$13,441,926▼ $1,200,039
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$1,037,445,216$1,001,281,015▼ $36,164,201
Other Assets Total$38,910,136$44,971,058▲ $6,060,922
Liabilities
Other Liabilities$784,650,335$840,011,932▲ $55,361,597
Accounts Payable and Accrued Expenses$117,372,074$9,661,125▼ $107,710,949
Total Liabilities$902,022,409$849,673,057▼ $52,349,352
Net Assets / Fund Balance
Total Net Assets Fund Balance$135,422,807$151,607,958▲ $16,185,151
Total Liabilities and Net Assets / Fund Balance$1,037,445,216$1,001,281,015▼ $36,164,201

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$11,060,348$7,309,360$18,369,708
Other Land Buildings$2,928,893$8,439,210$11,368,103
Land$3,445,670-$3,445,670
Leasehold Improvements$891,850$1,250,341$2,142,191
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
David KingCEO/PresidentFT$360,892$291,421$649,537
Cindy WonderlyCFO/EVP-FinanceFT$248,250$66,773$314,823
Lorraine TownsendEVP-OperationsFT$236,600$39,498$276,098
Michael GeorgeEVP-MarketingFT$212,350$36,655$275,148
Timothy SpencerEVP-LendingFT$228,260$18,742$266,188
Mary HigginsVP ComplianceFT$142,725$28,227$189,201
Jeff SimpsonVP FinanceFT$136,014$25,564$183,847
Carol DobbsEVP RiskFT$149,375$32,520$181,895
Chris HansonVP ItFT$160,349$58,188$179,222
Micaela VenegasIT SupervisorFT$144,315$56,501$171,748
Marie RodriguezVP Call CenterFT$120,100$44,666$150,278
Richard RuizVice Chair-$2,314-$2,314
Brian DriesenTreasurer-$2,179-$2,179
Tracy ChitwoodBoard Member-$1,743-$1,743
Serene StorslettSC Chair-$1,085-$1,085
Mike ReedBoard Member-$849-$849

Board Members and Trustees

NameTitle
Dawn ColeChairman
Maureen Buscher-DangBoard Member
Ray VoightBoard Member
Ron WolfeBoard Member
Vernon PowersBoard Member
Woody MorrisonBoard Member
Doug KileenSC Member
Robert DicksonSC Member
Michael BennettSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$39,626,507
Investment Income
$7,393,843
Other Revenue
$11,931,137
Change in Net Assets
$13,715,501
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$21,007,297
Salaries, Compensation, and Employee Benefits$13,009,473
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$11,219,216
Other Salaries and Wages---$11,078,493
Office Expenses---$4,603,923
Fees for Services Other---$4,503,833
Interest---$2,281,080
Occupancy---$2,213,477
Current Officers, Directors, Trustees, and Key Employees---$1,930,980
Other Expenses---$288,431
Travel---$185,723
All Other Expenses---$178,498
Advertising---$75,598
Total Functional Expenses$0$0$0$45,235,986
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other deposits$355,998,355
Share Savings$315,712,647
Share Drafts$168,300,930
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

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

“No review was or will be conducted.”

Form 990, Part VI, Section C, Line 19

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
Safe 1 Credit Union
EIN
95-1812302
Phone
6613273818
Address
1400 Mill Rock Way, Bakersfield, CA 93311

Signing Officer

Name
David King
Title
CEO
Signed
2025-12-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David King
Formed
1952
Legal Domicile
CA
Voting Board Members
11
Independent Board Members
11
Employees
152
Volunteers
14

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

Form 990, Part XI, Line 9

“Decrease in accumulated unrealized gains/losses on def comp = -$7199”

Form 990, Part XI, Line 9

“Unrealized gain on available for sale securities = $2476849”

Amended Explanation

“Part VII; Section A did not transfer over in original submisssion. Correction made to Schedule J, Part II, column iii.”

Raw XML AppendixShowing 400 of 579 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
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IRS990/Form990PartVIISectionAGrp/TitleTxt3EVP-Marketing
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IRS990/Form990PartVIISectionAGrp/TitleTxt6VP Finance
IRS990/Form990PartVIISectionAGrp/TitleTxt7EVP Risk
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