Civic Intelligence

Safe 1 Credit Union

990 • Fiscal year 2014 • EIN 95-1812302

Jan 01, 2014 to Dec 31, 2014 • Filed on May 04, 2015

Organization ProfileSAFE1.ORG

View Organization Page

1400 Mill Rock WayBakersfield, CA 93311

(661) 327-3818

Siviq Scores

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

Liabilities / Assets

11th percentile

0.84x

Higher debt load relative to assets than 11% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Liabilities / Revenue

68th percentile

20.25x

Higher debt load relative to revenue than 68% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Net Margin

95th percentile

31%

Higher net margin than 95% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Top Officer Pay

23rd percentile

$285,017

Higher top officer pay than 23% of similar nonprofits.

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

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Asset Growth

65th percentile

6.3%

Faster asset growth than 65% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Revenue Growth

34th percentile

-0.1%

Faster revenue growth than 34% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets11th percentile

Assets

Up

$381,968,430

Up $22,750,406 (+6.3%) from 2013

Net Assets

Up

$60,658,419

Up $4,920,031 (+8.8%) from 2013

Liabilities

Up

$321,310,011

Up $17,830,375 (+5.9%) from 2013

Revenue And Expenses
Liabilities / Revenue68th percentileNet Margin95th percentile

Revenue

Down

$15,865,112

Down $13,401 (-0.1%) from 2013

Expenses

Up

$10,945,081

Up $152,639 (+1.4%) from 2013

Net Income

Down

$4,920,031

Down $166,040 (-3.3%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth65th percentile

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

$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

2014

Assets$381,968,430
Liabilities$321,310,011
Net Assets$60,658,419
Open 2014 Filing

Operations Trend

Revenue Growth34th percentile

Revenue, expenses, and net income across loaded years, with this 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

2014

Revenue$15,865,112
Expenses$10,945,081
Net Income$4,920,031
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 4, 2015
Return Version
2014v5.0
Gross Receipts
$15,865,112
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$235,633,934$260,292,049▲ $24,658,115
Rtn Earn Endowment Incm Other Fnds$55,738,388$60,658,419▲ $4,920,031
Cash and Non-Interest-Bearing Accounts$46,365,469$43,453,223▼ $2,912,246
Investments in Publicly Traded Securities$25,761,106$27,138,827▲ $1,377,721
Investments Other Securities$12,804,813$13,305,935▲ $501,122
Savings and Temporary Cash Investments$12,380,005$12,087,009▼ $292,996
Land, Buildings, and Equipment, Net$7,494,724$7,184,881▼ $309,843
Prepaid Expenses and Deferred Charges$1,010,194$1,163,871▲ $153,677
Accounts Receivable$705,430$709,417▲ $3,987
Total Assets$359,218,024$381,968,430▲ $22,750,406
Other Assets Total$17,062,349$16,633,218▼ $429,131
Liabilities
Other Liabilities$301,281,538$316,744,545▲ $15,463,007
Accounts Payable and Accrued Expenses$2,198,098$4,565,466▲ $2,367,368
Total Liabilities$303,479,636$321,310,011▲ $17,830,375
Net Assets / Fund Balance
Total Net Assets Fund Balance$55,738,388$60,658,419▲ $4,920,031
Total Liabilities and Net Assets / Fund Balance$359,218,024$381,968,430▲ $22,750,406

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,379,919$2,962,335-
Land$1,108,647--
Equipment$516,278$1,988,122-
Leasehold Improvements$180,037$105,130-
Other Assets Org$13,590,470--
Other Securities$12,774,700--
Compensation and Service Providers
Top Officer Pay23rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Doug KileenChief Executive OfficerFT$234,667$50,350$285,017
Doug Kileen--$234,667$50,350$285,017
Cindy WonderlyChief Financial OfficerFT$144,271$106,390$250,661
Cindy Wonderly--$144,271$106,390$250,661
David KingVice PresidentFT$134,268$103,389$237,657
David King--$134,268$103,389$237,657
Sue RandallVice PresidentFT$134,121$73,175$207,296
Sue Randall--$134,121$73,175$207,296
Lorraine TownsendVice PresidentFT$121,571$51,579$173,150
Lorraine Townsend--$121,571$51,579$173,150
Monica RinesVice PresidentFT$115,145$51,547$166,692
Monica Rines--$115,145$51,547$166,692

Board Members and Trustees

NameTitle
Maureen Buscher-dangChairman
Richard RuizVice Chairman
H E MorrisonDirector
Mike ReedDirector
Ray VoightDirector
Bonnie VogtSecretary
Gary ScroggsTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
None---
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,787,088
Investment Income
$1,078,024
Other Revenue
$0
Change in Net Assets
$4,920,031
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$5,966,572
Other Expenses$4,084,265
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,735,941
Information Technology---$1,083,551
Other Employee Benefits---$980,525
Office Expenses---$934,818
Benefits to Members---$894,244
Occupancy---$638,295
Pension Plan Contributions---$530,123
Depreciation Depletion---$473,914
Other Expenses---$394,567
Current Officers, Directors, Trustees, and Key Employees---$378,938
Payroll Taxes---$341,045
Conferences and Meetings---$106,686
Advertising---$98,083
Insurance---$77,361
All Other Expenses---$38,146
Fees for Services Accounting---$30,000
Travel---$13,557
Fees for Services Legal---$8,416
Interest---$142
Total Functional Expenses$0$0$0$10,945,081
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Savings Deposits$316,744,545
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
No
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
Filing and Contact Details

Filer

Filer Name
Safe 1 Credit Union
EIN
95-1812302
Address
1400 MILL ROCK WAY, BAKERSFIELD, CA 93311

Signing Officer

Name
Doug Kileen
Title
CEO
Phone
6613273818
Signed
2015-05-04

Organization Details

Principal Officer
Doug Kileen
Formed
1952
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
97
Volunteers
14
Supplemental Narrative

Additional Explanations

Part V (3a3b)

“Organization did file 990-t but reported 0.00 taxable unrelated business income for the 2014 tax year. Part vi (all) - copies of form 990 are available for review by all directors at regularly scheduled board meeting(s). Part vi (b12c) - conflict of interest statement is required to be executed annually by all directorsofficers. Compliance officer and ceo review statements for compliance. Part vi (b15ab) - chief executive officer has formal employment contract. Compensation is reviewed annually by the board of directors. Independent compensation surveys are used to determine appropriate compensation levels. Part vi (c18) - form 990 is available for review during normal business hours. Copies are provided free of charge upon request. Part vi (c19) - applicable governing documents and conflict of interest policy are available during normal business hours at maincorporate office. Financial statements are posted for public viewing within 15 days of the end of each calendar month and copies are available free of charge upon request. Financial reports are also available to the public online via the national credit union administration website (ncua.gov).”

Raw XML AppendixShowing 400 of 413 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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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$381,968,430
Liabilities
$321,310,011
Net assets
$60,658,419
Revenue
$15,865,112
Expenses
$10,945,081
Net income
$4,920,031
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