Civic Intelligence

Safe 1 Credit Union

990 • Fiscal year 2018 • EIN 95-1812302

Jan 01, 2018 to Dec 31, 2018 • Filed on May 27, 2019

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

12th percentile

0.85x

Higher debt load relative to assets than 12% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

73rd percentile

19.02x

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

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

92nd percentile

26%

Higher net margin than 92% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

31st percentile

$333,806

Higher top officer pay than 31% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Asset Growth

34th percentile

2.4%

Faster asset growth than 34% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

1st percentile

-29%

Faster revenue growth than 1% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets12th percentile

Assets

Up

$620,002,186

Up $14,583,247 (+2.4%) from 2017

Net Assets

Up

$95,921,303

Up $7,288,736 (+8.2%) from 2017

Liabilities

Up

$524,080,883

Up $7,294,511 (+1.4%) from 2017

Revenue And Expenses
Liabilities / Revenue73rd percentileNet Margin92nd percentile

Revenue

Down

$27,555,279

Down $11,010,505 (-29%) from 2017

Expenses

Up

$20,266,543

Up $1,403,849 (+7.4%) from 2017

Net Income

Down

$7,288,736

Down $12,414,354 (-63%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth34th 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

2018

Assets$620,002,186
Liabilities$524,080,883
Net Assets$95,921,303
Open 2018 Filing

Operations Trend

Revenue Growth1st 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

2018

Revenue$27,555,279
Expenses$20,266,543
Net Income$7,288,736
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 27, 2019
Return Version
2018v3.1
Gross Receipts
$27,555,279
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$509,742,756$519,471,644▲ $9,728,888
Rtn Earn Endowment Incm Other Fnds$88,632,567$95,921,303▲ $7,288,736
Savings and Temporary Cash Investments$18,267,905$39,297,300▲ $21,029,395
Investments in Publicly Traded Securities$27,989,697$0▼ $27,989,697
Investments Other Securities$3,870,622$17,520,921▲ $13,650,299
Land, Buildings, and Equipment, Net$10,380,222$10,380,892▲ $670
Cash and Non-Interest-Bearing Accounts$6,137,739$6,664,448▲ $526,709
Accounts Receivable$1,197,937$1,205,376▲ $7,439
Prepaid Expenses and Deferred Charges$237,671$368,125▲ $130,454
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$605,418,939$620,002,186▲ $14,583,247
Other Assets Total$27,594,390$25,093,480▼ $2,500,910
Liabilities
Other Liabilities$507,572,682$514,991,402▲ $7,418,720
Accounts Payable and Accrued Expenses$9,213,690$9,089,481▼ $124,209
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$516,786,372$524,080,883▲ $7,294,511
Net Assets / Fund Balance
Total Net Assets Fund Balance$88,632,567$95,921,303▲ $7,288,736
Total Liabilities and Net Assets / Fund Balance$605,418,939$620,002,186▲ $14,583,247

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,338,879$5,399,829$0
Other Land Buildings$0$0$0
Land$3,644,613-$0
Equipment$384,077$3,230,063$0
Leasehold Improvements$13,323$827,866$0
Compensation and Service Providers
Top Officer Pay31st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Doug KileenCEOFT$312,500$21,306$333,806
Cindy WonderlyCFOFT$193,014$126,524$319,538
David KingEVP-LendingFT$184,766$108,015$292,781
Lorraine TownsendEVP-OperationsFT$163,962$79,709$243,671
Sue RandallEVP-TechnologyFT$186,237$21,306$207,543
Monica RinesEVP-MarketingFT$140,397$21,306$161,703
Carol DobbsEVP - Risk ManagementFT$114,407$699$115,106

Board Members and Trustees

NameTitle
Vernon PowersChairman
Mike ReedVice Chairman
Brian DriesenDirector
Diane JonesDirector
Erica ColeDirector
Gary ScroggsDirector
Maureen Buscher DangDirector
Michael BennettDirector
Richard RossDirector
Rick RuizDirector
Ronald WolfeDirector
Woody MorrisonDirector
Ray VoigtSecretary
Tracy ChitwoodTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$26,428,816
Investment Income
$1,126,463
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$7,288,736

Audited Revenue Reconciliation

Revenue per Audited Statements
$27,555,279
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$27,555,279
Total Revenue per Form 990
$27,555,279
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,683,480
Salaries, Compensation, and Employee Benefits$9,583,063
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$5,573,605
Office Expenses$0$0$0$2,184,987
Information Technology$0$0$0$2,001,404
Other Employee Benefits$0$0$0$1,528,486
Occupancy$0$0$0$1,248,869
Current Officers, Directors, Trustees, and Key Employees$0$0$0$1,200,485
Pension Plan Contributions$0$0$0$729,261
Payroll Taxes$0$0$0$551,226
Depreciation Depletion$0$0$0$458,680
Conferences and Meetings$0$0$0$180,131
Other Expenses$0$0$0$111,101
Advertising$0$0$0$107,528
Insurance$0$0$0$81,978
Fees for Services Accounting$0$0$0$42,000
Travel$0$0$0$13,728
Fees for Services Legal$0$0$0$9,154
All Other Expenses$0$0$0$1,532
Interest$0$0$0$262
Total Functional Expenses$0$0$0$20,266,543

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$20,266,543
Total Expenses per Audited Statements$20,266,543
Total Expenses per Form 990$20,266,543
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$514,991,402
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
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

“Credit Union members are one class each with one vote, subject to 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:| Credit Union member, One vote per member at annual meeting to elect Directors.|”

Part VI, Section A, Line 7B

“| Class of the Person:, Decisions that require their approval:, Nature of their rights:| Credit Union member, Election of Directors. Bylaw Changes. Governance Changes, 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 contract. Compensation is determined by the Board of Directors. Directors utilize salary survey data to determine reasonable compensation levels., 2018|”

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
2019-05-27

Organization Details

Principal Officer
Doug Kileen
Formed
1952
Legal Domicile
CA
Voting Board Members
15
Independent Board Members
15
Employees
146
Volunteers
17
Raw XML AppendixShowing 400 of 772 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/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/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt4Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt9Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
IRS990/Form990PartVIISectionAGrp/TitleTxt13Director
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IRS990/Form990PartVIISectionAGrp/TitleTxt20EVP - Risk Management
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$620,002,186
Liabilities
$524,080,883
Net assets
$95,921,303
Revenue
$27,555,279
Expenses
$20,266,543
Net income
$7,288,736
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
2018Detailed filing. Detailed filing data is available for this year.$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