Civic Intelligence

Safe 1 Credit Union

990 • Fiscal year 2015 • EIN 95-1812302

Jan 01, 2015 to Dec 31, 2015 • Filed on May 31, 2016

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.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

72nd percentile

21.00x

Higher debt load relative to revenue than 72% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

91st percentile

26%

Higher net margin than 91% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

93rd percentile

$831,982

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 5.1% of source-year revenue.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

49th percentile

6.0%

Faster asset growth than 49% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

25th percentile

2.1%

Faster revenue growth than 25% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets11th percentile

Assets

Up

$404,837,548

Up $22,869,118 (+6.0%) from 2014

Net Assets

Up

$64,821,218

Up $4,162,799 (+6.9%) from 2014

Liabilities

Up

$340,016,330

Up $18,706,319 (+5.8%) from 2014

Revenue And Expenses
Liabilities / Revenue72nd percentileNet Margin91st percentile

Revenue

Up

$16,190,377

Up $325,265 (+2.1%) from 2014

Expenses

Up

$12,027,578

Up $1,082,497 (+9.9%) from 2014

Net Income

Down

$4,162,799

Down $757,232 (-15%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth49th 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

2015

Assets$404,837,548
Liabilities$340,016,330
Net Assets$64,821,218
Open 2015 Filing

Operations Trend

Revenue Growth25th 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

2015

Revenue$16,190,377
Expenses$12,027,578
Net Income$4,162,799
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 31, 2016
Return Version
2015v2.1
Gross Receipts
$16,190,377
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$260,292,049$295,579,876▲ $35,287,827
Investments in Publicly Traded Securities$27,138,827$36,266,457▲ $9,127,630
Savings and Temporary Cash Investments$12,087,009$18,436,009▲ $6,349,000
Cash and Non-Interest-Bearing Accounts$43,453,223$18,027,271▼ $25,425,952
Investments Other Securities$13,305,935$13,802,515▲ $496,580
Land, Buildings, and Equipment, Net$7,184,881$6,858,643▼ $326,238
Prepaid Expenses and Deferred Charges$1,163,871$1,439,333▲ $275,462
Accounts Receivable$709,417$744,610▲ $35,193
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$381,968,430$404,837,548▲ $22,869,118
Other Assets Total$16,633,218$13,682,834▼ $2,950,384
Liabilities
Other Liabilities$317,041,527$334,622,617▲ $17,581,090
Accounts Payable and Accrued Expenses$4,268,484$5,393,713▲ $1,125,229
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$321,310,011$340,016,330▲ $18,706,319
Net Assets / Fund Balance
Unrestricted Net Assets$60,658,419$64,821,218▲ $4,162,799
Permanently Rstr Net Assets$0$0→ $0
Temporarily Rstr Net Assets$0$0→ $0
Total Net Assets Fund Balance$60,658,419$64,821,218▲ $4,162,799
Total Liabilities and Net Assets / Fund Balance$381,968,430$404,837,548▲ $22,869,118

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,130,694$3,211,560$0
Other Land Buildings$0$0$0
Land$1,108,647-$0
Equipment$481,663$2,176,939$0
Leasehold Improvements$137,639$147,528$0
Compensation and Service Providers
Top Officer Pay93rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Doug KileenCEOFT$247,794$587,028$834,822
Cindy WonderlyCFOFT$152,409$105,718$258,127
David KingVice PresidentFT$137,179$94,878$232,057
Sue RandallVice PresidentFT$142,055$86,380$228,435
Monica RinesVice PresidentFT$120,187$61,807$181,994
Lorraine TownsendVice PresidentFT$128,949$50,519$179,468

Board Members and Trustees

NameTitle
Richard RuizChairman
Gary ScroggsVice Chairman
Maureen Buscher DangDirector
Mike ReedDirector
Ray VoightDirector
H E MorrisonSecretary
Bonnie VogtTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$15,021,511
Investment Income
$1,168,866
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$4,162,799

Audited Revenue Reconciliation

Revenue per Audited Statements
$16,190,377
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$16,190,377
Total Revenue per Form 990
$16,190,377
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$6,399,792
Other Expenses$5,627,786
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$0$0$0$3,516,322
Office Expenses$0$0$0$1,046,777
Other Employee Benefits$0$0$0$1,030,541
Information Technology$0$0$0$990,532
Current Officers, Directors, Trustees, and Key Employees$0$0$0$871,572
Occupancy$0$0$0$669,724
Pension Plan Contributions$0$0$0$613,444
Depreciation Depletion$0$0$0$480,439
Payroll Taxes$0$0$0$367,913
Advertising$0$0$0$134,312
Conferences and Meetings$0$0$0$130,258
Other Expenses$0$0$0$75,874
Insurance$0$0$0$69,376
Fees for Services Accounting$0$0$0$30,000
Travel$0$0$0$14,249
All Other Expenses$0$0$0$4,912
Fees for Services Legal$0$0$0$1,448
Total Functional Expenses$0$0$0$12,027,578

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$12,027,578
Total Expenses per Audited Statements$12,027,578
Total Expenses per Form 990$12,027,578
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member's Share Deposits$334,622,617
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 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

Part VI, Section A, Line 6

“Shareholders/Members of Safe 1 Credit Union”

Part VI, Section A, Line 7A

“| Class of the Person:, Nature of their rights:| Members of Safe 1 Credit Union in good standing, Elect Board of Directors|”

Part VI, Section A, Line 7B

“| Class of the Person:, Decisions that require their approval:, Nature of their rights:| Member in good standing, Bylaw changes, election of directors. Ratification of changes in organizational structure, merger, dissolution., One member, one vote.|”

Part VI, Section B, Line 11B

“Reviewed by CEO prior to filing Provided to Board of Directors before filing for review”

Part VI, Section B, Line 12C

“Conflict of interest statement is required to be executed annually by all Directors and Officers. Compliance officer review statements and activities for compliance.”

Part VI, Section B, Line 15

“| Name of the Person:, The process used to establish compensation of the person who served in:|, The year in which this process was last undertaken:| Doug Kileen, Survey data from an independent third party. Vote of Directors., 2015|”

Part VI, Section C, Line 19

“Applicable governing documents and conflict of interest policy are available during normal business hours at the corporate offices. Financial statements are posted monthly for public viewing within 15 days of the end of each calendar month and are available free of charge, upon request. Financial reports are available to the public online via the NCUA.gov website.”

Filing and Contact Details

Filer

Filer Name
Safe 1 Credit Union
EIN
95-1812302
In Care Of
% Doug Kileen
Phone
6613273818
Address
1400 Mill Rock Way, Bakersfield, CA 93311

Signing Officer

Name
Doug Kileen
Title
CEO
Phone
6613273818
Signed
2016-05-31

Organization Details

Principal Officer
Doug Kileen
Formed
1952
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
101
Volunteers
14
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IRS990/Form990PartVIISectionAGrp/PersonNm1Gary Scroggs
IRS990/Form990PartVIISectionAGrp/PersonNm2Bonnie Vogt
IRS990/Form990PartVIISectionAGrp/PersonNm3H E Morrison
IRS990/Form990PartVIISectionAGrp/PersonNm4Mike Reed
IRS990/Form990PartVIISectionAGrp/PersonNm5Ray Voight
IRS990/Form990PartVIISectionAGrp/PersonNm6Maureen Buscher Dang
IRS990/Form990PartVIISectionAGrp/PersonNm7Doug Kileen
IRS990/Form990PartVIISectionAGrp/PersonNm8Cindy Wonderly
IRS990/Form990PartVIISectionAGrp/PersonNm9David King
IRS990/Form990PartVIISectionAGrp/PersonNm10Sue Randall
IRS990/Form990PartVIISectionAGrp/PersonNm11Monica Rines
IRS990/Form990PartVIISectionAGrp/PersonNm12Lorraine Townsend
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IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
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IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt9Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt10Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt11Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt12Vice President
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IRS990/OtherExpensesGrp/TotalAmt2454399
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01439333
IRS990/PrincipalOfficerNm0Doug Kileen
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Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$404,837,548
Liabilities
$340,016,330
Net assets
$64,821,218
Revenue
$16,190,377
Expenses
$12,027,578
Net income
$4,162,799
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
Peer Organizations

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