Civic Intelligence

Safe 1 Credit Union

990 • Fiscal year 2019 • EIN 95-1812302

Jan 01, 2019 to Dec 31, 2019 • Filed on Apr 27, 2020

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.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

72nd percentile

18.01x

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

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Net Margin

90th percentile

24%

Higher net margin than 90% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

98th percentile

$1,532,447

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 5.0% of source-year revenue.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Asset Growth

40th percentile

5.3%

Faster asset growth than 40% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

60th percentile

11%

Faster revenue growth than 60% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets11th percentile

Assets

Up

$652,808,295

Up $32,806,109 (+5.3%) from 2018

Net Assets

Up

$103,479,770

Up $7,558,467 (+7.9%) from 2018

Liabilities

Up

$549,328,525

Up $25,247,642 (+4.8%) from 2018

Revenue And Expenses
Liabilities / Revenue72nd percentileNet Margin90th percentile

Revenue

Up

$30,497,624

Up $2,942,345 (+11%) from 2018

Expenses

Up

$23,058,918

Up $2,792,375 (+14%) from 2018

Net Income

Up

$7,438,706

Up $149,970 (+2.1%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth40th 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

2019

Assets$652,808,295
Liabilities$549,328,525
Net Assets$103,479,770
Open 2019 Filing

Operations Trend

Revenue Growth60th 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

2019

Revenue$30,497,624
Expenses$23,058,918
Net Income$7,438,706
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Apr 27, 2020
Return Version
2019v5.0
Gross Receipts
$30,497,624
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$519,471,644$518,414,564▼ $1,057,080
Rtn Earn Endowment Incm Other Fnds$95,921,303$103,479,770▲ $7,558,467
Savings and Temporary Cash Investments$39,297,300$65,903,997▲ $26,606,697
Investments Other Securities$17,520,921$17,860,674▲ $339,753
Land, Buildings, and Equipment, Net$10,380,892$13,158,357▲ $2,777,465
Cash and Non-Interest-Bearing Accounts$6,664,448$8,644,152▲ $1,979,704
Accounts Receivable$1,205,376$1,269,676▲ $64,300
Investments in Publicly Traded Securities$0$1,099,881▲ $1,099,881
Prepaid Expenses and Deferred Charges$368,125$311,343▼ $56,782
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$620,002,186$652,808,295▲ $32,806,109
Other Assets Total$25,093,480$26,145,651▲ $1,052,171
Liabilities
Other Liabilities$514,991,402$541,761,482▲ $26,770,080
Accounts Payable and Accrued Expenses$9,089,481$7,567,043▼ $1,522,438
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$524,080,883$549,328,525▲ $25,247,642
Net Assets / Fund Balance
Total Net Assets Fund Balance$95,921,303$103,479,770▲ $7,558,467
Total Liabilities and Net Assets / Fund Balance$620,002,186$652,808,295▲ $32,806,109

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$8,601,073$5,685,600$0
Other Land Buildings$0$0$0
Land$3,654,482-$0
Equipment$897,342$3,379,646$0
Leasehold Improvements$5,460$835,729$0
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cindy WonderlyCFOFT$189,815$1,342,632$1,532,447
Doug KileenCEOFT$305,500$44,789$350,289
David KingEVP-LendingFT$174,620$128,599$303,219
Lorraine TownsendEVP-OperationsFT$161,902$89,845$251,747
Sue RandallEVP-TechnologyFT$175,553$36,433$211,986
Monica RinesEVP-MarketingFT$137,807$33,414$171,221
Carol DobbsEVP - Risk ManagementFT$113,678$45,226$158,904

Board Members and Trustees

NameTitle
Mike ReedChairman
Tracy ChitwoodVice Chairman
Brian DriesenDirector
Diane JonesDirector
Erica ColeDirector
Gary ScroggsDirector
Maureen Buscher DangDirector
Michael BennettDirector
Richard RossDirector
Rick RuizDirector
Vernon PowersDirector
Woody MorrisonDirector
Ronald WolfeSecretary
Ray VoigtTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$29,112,540
Investment Income
$1,385,084
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$7,438,706

Audited Revenue Reconciliation

Revenue per Audited Statements
$30,497,624
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$119,762
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$30,617,386
Total Revenue per Form 990
$30,497,624
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$12,985,356
Salaries, Compensation, and Employee Benefits$10,073,562
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$4,675,693
Interest$0$0$0$3,083,514
Current Officers, Directors, Trustees, and Key Employees$0$0$0$2,385,332
Office Expenses$0$0$0$2,236,686
Information Technology$0$0$0$2,082,688
Other Employee Benefits$0$0$0$1,614,414
Occupancy$0$0$0$1,614,163
Pension Plan Contributions$0$0$0$839,845
Payroll Taxes$0$0$0$558,278
Conferences and Meetings$0$0$0$218,085
Other Expenses$0$0$0$159,580
Depreciation Depletion$0$0$0$149,582
All Other Expenses$0$0$0$121,456
Advertising$0$0$0$91,087
Insurance$0$0$0$57,543
Fees for Services Accounting$0$0$0$39,600
Travel$0$0$0$13,699
Fees for Services Legal$0$0$0$2,034
Total Functional Expenses$0$0$0$23,058,918

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$23,058,918
Total Expenses per Audited Statements$23,058,918
Total Expenses per Form 990$23,058,918
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$541,761,482
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 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
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, Elect directors. One vote per member.|”

Part VI, Section A, Line 7B

“| Class of the Person:, Decisions that require their approval:, Nature of their rights:| Credit Union Member, Elect Board of Directors. Approve significant Bylaw changes., One vote per member| Credit Union Member, Elect directors. Approve significant bylaw 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, Board of Directors reviewed salary survey data to determine reasonable compensation levels., 2019|”

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
2020-04-27
Discuss with paid preparer
No

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 803 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/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
IRS990/Form990PartVIISectionAGrp/PersonNm20Carol Dobbs
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IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt4Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
IRS990/Form990PartVIISectionAGrp/TitleTxt13Director
IRS990/Form990PartVIISectionAGrp/TitleTxt14Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt15CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt16EVP-Lending
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IRS990/Form990PartVIISectionAGrp/TitleTxt18EVP-Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt19EVP-Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt20EVP - Risk Management
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$652,808,295
Liabilities
$549,328,525
Net assets
$103,479,770
Revenue
$30,497,624
Expenses
$23,058,918
Net income
$7,438,706
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
2019Detailed filing. Detailed filing data is available for this year.$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