Civic Intelligence

Safe 1 Credit Union

990 • Fiscal year 2017 • EIN 95-1812302

Jan 01, 2017 to Dec 31, 2017 • Filed on Jul 27, 2018

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

13th percentile

0.85x

Higher debt load relative to assets than 13% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

13th percentile

13.40x

Higher debt load relative to revenue than 13% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

100th percentile

51%

Higher net margin than 100% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

92nd percentile

$852,647

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Asset Growth

99th percentile

35%

Faster asset growth than 99% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

100th percentile

121%

Faster revenue growth than 100% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets13th percentile

Assets

Up

$605,418,939

Up $156,442,692 (+35%) from 2016

Net Assets

Up

$88,632,567

Up $19,703,090 (+29%) from 2016

Liabilities

Up

$516,786,372

Up $136,739,602 (+36%) from 2016

Revenue And Expenses
Liabilities / Revenue13th percentileNet Margin100th percentile

Revenue

Up

$38,565,784

Up $21,146,397 (+121%) from 2016

Expenses

Up

$18,862,694

Up $5,551,566 (+42%) from 2016

Net Income

Up

$19,703,090

Up $15,594,831 (+380%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth99th 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

2017

Assets$605,418,939
Liabilities$516,786,372
Net Assets$88,632,567
Open 2017 Filing

Operations Trend

Revenue Growth100th 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

2017

Revenue$38,565,784
Expenses$18,862,694
Net Income$19,703,090
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Jul 27, 2018
Return Version
2017v2.0
Gross Receipts
$38,565,784
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$340,085,340$509,742,756▲ $169,657,416
Rtn Earn Endowment Incm Other Fnds$68,929,477$88,632,567▲ $19,703,090
Investments in Publicly Traded Securities$18,436,556$27,989,697▲ $9,553,141
Savings and Temporary Cash Investments$6,586,144$18,267,905▲ $11,681,761
Land, Buildings, and Equipment, Net$6,457,142$10,380,222▲ $3,923,080
Cash and Non-Interest-Bearing Accounts$43,074,828$6,137,739▼ $36,937,089
Investments Other Securities$14,330,662$3,870,622▼ $10,460,040
Accounts Receivable$761,187$1,197,937▲ $436,750
Prepaid Expenses and Deferred Charges$1,788,090$237,671▼ $1,550,419
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
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$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$448,976,247$605,418,939▲ $156,442,692
Other Assets Total$17,456,298$27,594,390▲ $10,138,092
Liabilities
Other Liabilities$375,243,043$507,572,682▲ $132,329,639
Accounts Payable and Accrued Expenses$4,803,727$9,213,690▲ $4,409,963
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$380,046,770$516,786,372▲ $136,739,602
Net Assets / Fund Balance
Total Net Assets Fund Balance$68,929,477$88,632,567▲ $19,703,090
Total Liabilities and Net Assets / Fund Balance$448,976,247$605,418,939▲ $156,442,692

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,249,471$5,107,132$0
Other Land Buildings$0$0$0
Land$3,644,613-$0
Equipment$433,295$3,091,756$0
Leasehold Improvements$52,843$788,346$0
Compensation and Service Providers
Top Officer Pay92nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sue RandallEVP-TechnologyFT$162,714$689,933$852,647
Cindy WonderlyCFOFT$176,939$154,305$331,244
Doug KileenCEOFT$284,381$42,467$326,848
David KingEVP-LendingFT$154,553$118,720$273,273
Lorraine TownsendEVP-OperationsFT$152,221$53,413$205,634
Monica RinesEVP-MarketingFT$132,292$30,632$162,924

Board Members and Trustees

NameTitle
Woody MorrisonChairman
Vernon PowersVice Chairman
Brian DriesenDirector
Diane JonesDirector
Erica ColeDirector
Gary ScroggsDirector
Maureen Buscher DangDirector
Michael BennettDirector
Ray VoigtDirector
Richard RossDirector
Rick RuizDirector
Ronald WolfeDirector
Tracy ChitwoodSecretary
Mike ReedTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$37,119,495
Investment Income
$1,446,289
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$19,703,090

Audited Revenue Reconciliation

Revenue per Audited Statements
$26,035,541
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$26,035,541
Total Revenue per Form 990
$26,035,541
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,703,886
Salaries, Compensation, and Employee Benefits$9,158,808
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$0$4,619,226$0$4,619,226
Office Expenses$0$2,157,823$0$2,157,823
Current Officers, Directors, Trustees, and Key Employees$0$1,723,551$0$1,723,551
Other Employee Benefits$0$1,451,114$0$1,451,114
Information Technology$0$1,344,394$0$1,344,394
Occupancy$0$1,115,516$0$1,115,516
Pension Plan Contributions$0$825,621$0$825,621
Payroll Taxes$0$539,296$0$539,296
Depreciation Depletion$0$425,478$0$425,478
Conferences and Meetings$0$211,517$0$211,517
Advertising$0$101,818$0$101,818
Other Expenses$0$98,612$0$98,612
Insurance$0$85,038$0$85,038
Fees for Services Accounting$0$43,194$0$43,194
Fees for Services Legal$0$27,794$0$27,794
Travel$0$17,536$0$17,536
All Other Expenses$0$5,064$0$5,064
Interest$0$231$0$231
Total Functional Expenses$0$18,862,694$0$18,862,694

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$18,862,694
Total Expenses per Audited Statements$18,862,694
Total Expenses per Form 990$18,862,694
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 Share Deposits$507,572,682
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
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
Yes
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

“Credit union members all are one class and each have one vote, as long as they meet the minimum age requirements (18 years of age). There are no stockholders”

Part VI, Section A, Line 7A

“| Class of the Person:, Nature of their rights:| Member, One vote per member for directors at annual meeting.|”

Part VI, Section A, Line 7B

“| Class of the Person:, Decisions that require their approval:, Nature of their rights:| Member, Changes to bylaws directly related to governance, representation, or voting rights., One vote per member.|”

Part VI, Section B, Line 11B

“CFO and CEO review prior to presentation to the Board of Directors. Form 990 is provided to the Board of Directors for review prior to filing.”

Part VI, Section B, Line 12C

“Staff compliance officer is responsible for reviewing subject transactions”

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, CEO has written employment contract. Compensation is determined by the Board of Directors. Directors use salary survey data to determine reasonable compensation levels., 2017|”

Part VI, Section C, Line 19

“All subject documents are available to the general public. Financial statements are posted at the main office of the credit union”

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
2018-07-27

Organization Details

Principal Officer
Doug Kileen
Formed
1952
Legal Domicile
CA
Voting Board Members
15
Independent Board Members
15
Employees
136
Volunteers
17
Raw XML AppendixShowing 400 of 763 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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IRS990/Form990PartVIISectionAGrp/PersonNm0Doug Kileen
IRS990/Form990PartVIISectionAGrp/PersonNm1Woody Morrison
IRS990/Form990PartVIISectionAGrp/PersonNm2Gary Scroggs
IRS990/Form990PartVIISectionAGrp/PersonNm3Mike Reed
IRS990/Form990PartVIISectionAGrp/PersonNm4Ray Voigt
IRS990/Form990PartVIISectionAGrp/PersonNm5Maureen Buscher Dang
IRS990/Form990PartVIISectionAGrp/PersonNm6Rick Ruiz
IRS990/Form990PartVIISectionAGrp/PersonNm7Brian Driesen
IRS990/Form990PartVIISectionAGrp/PersonNm8Vernon Powers
IRS990/Form990PartVIISectionAGrp/PersonNm9Tracy Chitwood
IRS990/Form990PartVIISectionAGrp/PersonNm10Michael Bennett
IRS990/Form990PartVIISectionAGrp/PersonNm11Erica Cole
IRS990/Form990PartVIISectionAGrp/PersonNm12Diane Jones
IRS990/Form990PartVIISectionAGrp/PersonNm13Richard Ross
IRS990/Form990PartVIISectionAGrp/PersonNm14Ronald Wolfe
IRS990/Form990PartVIISectionAGrp/PersonNm15Cindy Wonderly
IRS990/Form990PartVIISectionAGrp/PersonNm16David King
IRS990/Form990PartVIISectionAGrp/PersonNm17Sue Randall
IRS990/Form990PartVIISectionAGrp/PersonNm18Monica Rines
IRS990/Form990PartVIISectionAGrp/PersonNm19Lorraine Townsend
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IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt9Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
IRS990/Form990PartVIISectionAGrp/TitleTxt13Director
IRS990/Form990PartVIISectionAGrp/TitleTxt14Director
IRS990/Form990PartVIISectionAGrp/TitleTxt15CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt16EVP-Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt17EVP-Technology
IRS990/Form990PartVIISectionAGrp/TitleTxt18EVP-Marketing
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IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$605,418,939
Liabilities
$516,786,372
Net assets
$88,632,567
Revenue
$38,565,784
Expenses
$18,862,694
Net income
$19,703,090
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
2017Detailed filing. Detailed filing data is available for this year.$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