Liabilities / Assets
17th percentile
Higher debt load relative to assets than 17% of similar nonprofits.
Pacific Community Credit Union
990 • Fiscal year 2016 • EIN 95-1878302
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.85x
Liabilities / Revenue
51st percentile
Higher debt load relative to revenue than 51% of similar nonprofits.
Net Margin
56th percentile
Higher net margin than 56% of similar nonprofits.
Top Officer Pay
84th percentile
Higher top officer pay than 84% of similar nonprofits.
Top officer pay equals 3.5% of source-year revenue.
Asset Growth
21st percentile
Faster asset growth than 21% of similar nonprofits.
Revenue Growth
51st percentile
Faster revenue growth than 51% of similar nonprofits.
Balance Sheet
Assets
Up$188,442,021
Up $2,067,939 (+1.1%) from 2015
Net Assets
Up$27,410,259
Up $766,388 (+2.9%) from 2015
Liabilities
Up$161,031,762
Up $1,301,551 (+0.8%) from 2015
Revenue And Expenses
Revenue
Up$8,621,474
Up $467,165 (+5.7%) from 2015
Expenses
Up$7,623,367
Up $582,161 (+8.3%) from 2015
Net Income
Down$998,107
Down $114,996 (-10%) from 2015
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2016 to Dec 31, 2016
- Signed
- Nov 4, 2017
- Return Version
- 2016v3.0
- Gross Receipts
- $8,621,474
Mission and Program Overview
Mission
Pacific community operations are related to deposits and loans to employees and former employees of beckman, aerojet, smithkline, allergan, gte and gtel who live or work in cities in california, who attend school, or worship in the oc as well as any and all businesses, organizations, assoc., or other entities in such county, persons who reside, or are employed in cities located in eastern la and other members defined in bylaws.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $92,349,331 | $93,411,011 | ▲ $1,061,680 |
| Savings and Temporary Cash Investments | $43,178,229 | $52,646,582 | ▲ $9,468,353 |
| Investments Program Related | $43,266,532 | $35,472,584 | ▼ $7,793,948 |
| Rtn Earn Endowment Incm Other Fnds | $26,643,871 | $27,410,259 | ▲ $766,388 |
| Land, Buildings, and Equipment, Net | $2,054,763 | $2,048,940 | ▼ $5,823 |
| Cash and Non-Interest-Bearing Accounts | $1,022,574 | $1,202,399 | ▲ $179,825 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $186,374,082 | $188,442,021 | ▲ $2,067,939 |
| Other Assets Total | $4,502,653 | $3,660,505 | ▼ $842,148 |
| Liabilities | |||
| Other Liabilities | $157,053,192 | $157,420,908 | ▲ $367,716 |
| Accounts Payable and Accrued Expenses | $2,677,019 | $3,610,854 | ▲ $933,835 |
| Total Liabilities | $159,730,211 | $161,031,762 | ▲ $1,301,551 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $26,643,871 | $27,410,259 | ▲ $766,388 |
| Total Liabilities and Net Assets / Fund Balance | $186,374,082 | $188,442,021 | ▲ $2,067,939 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $648,011 | $1,358,963 | $2,006,974 |
| Buildings | $718,320 | $1,218,272 | $1,936,592 |
| Leasehold Improvements | $682,609 | $923,697 | $1,606,306 |
| Investment Program Related Org | $2,017,124 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Kevin Pendergraft | President & CEO | FT | $293,265 | $4,200 | $297,465 |
| Timothy Mcadam | VP Sales | FT | $142,258 | - | $142,258 |
| Jeannette Bartus | COO | FT | $125,635 | - | $125,635 |
| James Davis | VP of It | FT | $120,772 | - | $120,772 |
| Guillerma Ronquillo | Controller | FT | $105,361 | - | $105,361 |
| Theresa Stubbs | VP Operations | FT | $92,376 | - | $92,376 |
Board Members and Trustees
| Name | Title |
|---|---|
| Dona Moseley | Board Chairman |
| John Smith | Vice Chairman |
| Aleta Reeser | Director |
| Bert Reitz | Director |
| Carole Bartholomew | Director |
| Don Jack | Director |
| Kathy Crum | Director |
| Shirley Thiele | Secretary |
| Sherry Draxler | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $7,465,245
- Investment Income
- $1,156,229
- Other Revenue
- $0
- Change in Net Assets
- $998,107
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $4,431,668 |
| Salaries, Compensation, and Employee Benefits | $3,191,699 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $2,674,514 | - | - | $2,674,514 |
| Information Technology | $627,899 | - | - | $627,899 |
| All Other Expenses | $459,036 | - | - | $459,036 |
| Occupancy | $364,462 | - | - | $364,462 |
| Fees for Services Other | $360,959 | - | - | $360,959 |
| Interest | $349,405 | - | - | $349,405 |
| Other Employee Benefits | $316,694 | - | - | $316,694 |
| Advertising | $293,866 | - | - | $293,866 |
| Depreciation Depletion | $241,754 | - | - | $241,754 |
| Payroll Taxes | $200,491 | - | - | $200,491 |
| Office Expenses | $141,062 | - | - | $141,062 |
| Other Expenses | $99,183 | - | - | $99,183 |
| Conferences and Meetings | $80,798 | - | - | $80,798 |
| Insurance | $61,214 | - | - | $61,214 |
| Fees for Services Accounting | $25,000 | - | - | $25,000 |
| Fees for Services Legal | $9,665 | - | - | $9,665 |
| Total Functional Expenses | $7,623,367 | $0 | $0 | $7,623,367 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Insider Transactions and Loans
Interested-Person Transactions
| Interested Party | Relationship | Description | Shared Revenue | Amount |
|---|---|---|---|---|
| Emma Ronquillo | Controller | Auto Loans | No | $30,944 |
| Dona Moseley | Vice Chariman | Real Estate Loan | No | $28,550 |
| Carole Bartholomew | Director | Auto and Real Estate Loans | No | $4,663 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Total Shares & Deposits | $157,368,083 |
| Accrued Dividends | $52,825 |
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
- Yes
- 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
Form 990, Part VI, Section A, Line 6
“Line 6 explanation - the credit union is a cooperative financial institution that is owned and controlled by its members. The credit union does not have stockholders.”
Form 990, Part VI, Section A, Line 7A
“Line 7a explanation - the governing board of the credit union is comprised of volunteer members who are elected by its members. They serve for a period of time in accordance with the by-laws.”
Form 990, Part VI, Section A, Line 7B
“Line 7b explanation - at the end of each term of the board members, elections are held and board members are voted on by the members of the credit union.”
Form 990, Part VI, Section B, Line 11B
“Line 11a explanation - each board member shall receive a completed draft of the form 990 for review prior to filing each year.”
Form 990, Part VI, Section B, Line 12C
“The organization monitors compliance with our conflict of interest policy which is in both our manual and employee handbook.”
Form 990, Part VI, Section B, Line 15
“The ceo annually reviews salaries in conjuction with the external audit by cpas. The board of directors annually reviews salary compensation for ceo comparison data provided through cuna mutual group insurance underwriters.”
Form 990, Part VI, Section C, Line 19
“Documents available on premises upon request.”
Filing and Contact Details
Filer
- Filer Name
- Credit Unions in the State of California
- EIN
- 95-1878302
- Phone
- 7145262328
- Address
- 401 E IMPERIAL HIGHWAY, FULLERTON, CA 92835-1199
Signing Officer
- Name
- Kevin Pendergraft
- Title
- CPA
- Phone
- 7145262328
- Signed
- 2017-11-04
- Discuss with paid preparer
- Yes
Organization Details
- Formed
- 1955
- Legal Domicile
- CA
- Voting Board Members
- 9
- Independent Board Members
- 9
- Employees
- 51
- Volunteers
- 12
Preparer
- Firm
- Slbiggs a Division of Singerlewak Llp
- Address
- 10960 WILSHIRE BLVD STE 700, LOS ANGELES, CA 90024-3783
- Preparer
- Brian Landau
- Phone
- 3104773924
Supplemental Narrative
Additional Explanations
Form 990, Part IX, Line 24E
“Imperial association dues: program service expenses 82,500. Management and general expenses 0. Fundraising expenses 0. Total expenses 82,500. Misc. Expenses: program service expenses 71,952. Management and general expenses 0. Fundraising expenses 0. Total expenses 71,952. Debit card expenses: program service expenses 56,912. Management and general expenses 0. Fundraising expenses 0. Total expenses 56,912. Utilities: program service expenses 53,949. Management and general expenses 0. Fundraising expenses 0. Total expenses 53,949. Lending solution consulting: program service expenses 37,221. Management and general expenses 0. Fundraising expenses 0. Total expenses 37,221. Building maintenance: program service expenses 32,159. Management and general expenses 0. Fundraising expenses 0. Total expenses 32,159. Bank charges: program service expenses 29,665. Management and general expenses 0. Fundraising expenses 0. Total expenses 29,665. Property taxes: program service expenses 27,518. Management and general expenses 0. Fundraising expenses 0. Total expenses 27,518. Bsa expenses: program service expenses 27,407. Management and general expenses 0. Fundraising expenses 0. Total expenses 27,407. Dfi operating fees: program service expenses 20,711. Management and general expenses 0. Fundraising expenses 0. Total expenses 20,711. Auto expense: program service expenses 8,847. Management and general expenses 0. Fundraising expenses 0. Total expenses 8,847. Leased/rented equipment: program service expenses 8,389. Management and general expenses 0. Fundraising expenses 0. Total expenses 8,389. Taxes and licenses: program service expenses 1,806. Management and general expenses 0. Fundraising expenses 0. Total expenses 1,806.”
FORM 990, PART XII, LINE 2:
“The organization has not changed either its oversight process or selection process during the year.”
Financial Statement Notes
PART X, LINE 2:
“In accordance with financial accounting standards board ("fasb") accounting standards codification ("asc") topic no. 740, "uncertainty in income taxes" ("asc 740"), the credit union recognizes the impact of tax positions in the financial statements if that position is more likely than not to be sustained on audit, based on the technical merits of the position. To date, the credit union has not recorded any uncertain tax positions. The credit union recognizes potential accrued interest and penalties related to uncertain tax positions in income tax expense. The credit union evaluated tax positions and did not note any matters that would require recognition in the financial statements or which might have an adverse effect on its tax-exempt status. The us federal, state or local income returns of the credit union still open and subject to examinations by tax authorities are summarized as follows: jurisdiction open tax years federal 2014 - 2016 state 2013 - 2016”
Raw XML AppendixShowing 400 of 488 raw XML fields
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| IRS990/Desc | 0 | PACIFIC COMMUNITY OPERATIONS ARE RELATED TO DEPOSITS AND LOANS TO EMPLOYEES AND FORMER EMPLOYEES OF BECKMAN, AEROJET, SMITHKLINE, ALLERGAN, GTE AND GTEL WHO LIVE OR WORK IN CITIES IN CALIFORNIA, WHO ATTEND SCHOOL, OR WORSHIP IN THE OC AS WELL AS ANY AND ALL BUSINESSES, ORGANIZATIONS, ASSOC., OR OTHER ENTITIES IN SUCH COUNTY, PERSONS WHO RESIDE, OR ARE EMPLOYED IN CITIES LOCATED IN EASTERN LA AND OTHER MEMBERS DEFINED IN BYLAWS. |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | BOARD CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | VICE CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | VP OF IT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | PRESIDENT & CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | COO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | VP SALES |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | CONTROLLER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | VP OPERATIONS |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1955 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 8621474 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 5 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 627899 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 627899 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 61214 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 61214 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 349405 |
| IRS990/InterestGrp/TotalAmt | 0 | 349405 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1156229 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1156229 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 43266532 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 35472584 |
| IRS990/IRPDocumentCnt | 0 | 2272 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 3500932 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 2054763 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 2048940 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 5549872 |
| IRS990/LegalDomicileStateCd | 0 | CA |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | PACIFIC COMMUNITY OPERATIONS ARE RELATED TO DEPOSITS AND LOANS TO EMPLOYEES AND FORMER EMPLOYEES OF BECKMAN, AEROJET, SMITHKLINE, ALLERGAN, GTE AND GTEL WHO LIVE OR WORK IN CITIES IN CALIFORNIA, WHO ATTEND SCHOOL, OR WORSHIP IN THE OC AS WELL AS ANY AND ALL BUSINESSES, ORGANIZATIONS, ASSOC., OR OTHER ENTITIES IN SUCH COUNTY, PERSONS WHO RESIDE, OR ARE EMPLOYED IN CITIES LOCATED IN EASTERN LA AND OTHER MEMBERS DEFINED IN BYLAWS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 26643871 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 27410259 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 6518 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -231719 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 364462 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 364462 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 141062 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 141062 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 4502653 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 3660505 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 316694 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 316694 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 2 | STATEMENT MAIL & E-STAT |
| IRS990/OtherExpensesGrp/Desc | 3 | TELEPHONE |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 903270 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 293489 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 120606 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 99183 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 903270 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 293489 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 120606 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 99183 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 157053192 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 157420908 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 2674514 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 2674514 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 92349331 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 93411011 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 200491 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 200491 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | MISCELLANEOUS |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 5099779 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 2244083 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 106564 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 5099779 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 2244083 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 121383 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 14819 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 1062231 |
| IRS990/PYOtherExpensesAmt | 0 | 3844970 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 7092078 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1113103 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 3196236 |
| IRS990/PYTotalExpensesAmt | 0 | 7041206 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 8154309 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 998107 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 1 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 26643871 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 27410259 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 43178229 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 52646582 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 718320 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1218272 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1936592 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 648011 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1358963 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 2006974 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 33445534 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 9926 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 2 | 2017124 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | MORTGAGE BACKED SECURITIES |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | HELD-TO-MATURITY SECURITIES |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 2 | FHLB & OTHER STOCKS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | F |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 1 | F |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 2 | F |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 682609 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 923697 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 1606306 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 157368083 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 52825 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | TOTAL SHARES & DEPOSITS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | ACCRUED DIVIDENDS |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | IN ACCORDANCE WITH FINANCIAL ACCOUNTING STANDARDS BOARD ("FASB") ACCOUNTING STANDARDS CODIFICATION ("ASC") TOPIC NO. 740, "UNCERTAINTY IN INCOME TAXES" ("ASC 740"), THE CREDIT UNION RECOGNIZES THE IMPACT OF TAX POSITIONS IN THE FINANCIAL STATEMENTS IF THAT POSITION IS MORE LIKELY THAN NOT TO BE SUSTAINED ON AUDIT, BASED ON THE TECHNICAL MERITS OF THE POSITION. TO DATE, THE CREDIT UNION HAS NOT RECORDED ANY UNCERTAIN TAX POSITIONS. THE CREDIT UNION RECOGNIZES POTENTIAL ACCRUED INTEREST AND PENALTIES RELATED TO UNCERTAIN TAX POSITIONS IN INCOME TAX EXPENSE. THE CREDIT UNION EVALUATED TAX POSITIONS AND DID NOT NOTE ANY MATTERS THAT WOULD REQUIRE RECOGNITION IN THE FINANCIAL STATEMENTS OR WHICH MIGHT HAVE AN ADVERSE EFFECT ON ITS TAX-EXEMPT STATUS. THE US FEDERAL, STATE OR LOCAL INCOME RETURNS OF THE CREDIT UNION STILL OPEN AND SUBJECT TO EXAMINATIONS BY TAX AUTHORITIES ARE SUMMARIZED AS FOLLOWS: JURISDICTION OPEN TAX YEARS FEDERAL 2014 - 2016 STATE 2013 - 2016 |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 2048940 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 35472584 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 157420908 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 293265 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 4200 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | KEVIN PENDERGRAFT |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT & CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 297465 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990ScheduleJ/WrittenEmploymentContractInd | 0 | X |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm | 0 | EMMA RONQUILLO |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm | 1 | DONA MOSELEY |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm | 2 | CAROLE BARTHOLOMEW |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt | 0 | CONTROLLER |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt | 1 | VICE CHARIMAN |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt | 2 | DIRECTOR |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 0 | 0 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 1 | 0 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 2 | 0 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt | 0 | 30944 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt | 1 | 28550 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt | 2 | 4663 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc | 0 | AUTO LOANS |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc | 1 | REAL ESTATE LOAN |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc | 2 | AUTO AND REAL ESTATE LOANS |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | LINE 6 EXPLANATION - THE CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS. THE CREDIT UNION DOES NOT HAVE STOCKHOLDERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | LINE 7A EXPLANATION - THE GOVERNING BOARD OF THE CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE ELECTED BY ITS MEMBERS. THEY SERVE FOR A PERIOD OF TIME IN ACCORDANCE WITH THE BY-LAWS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | LINE 7B EXPLANATION - AT THE END OF EACH TERM OF THE BOARD MEMBERS, ELECTIONS ARE HELD AND BOARD MEMBERS ARE VOTED ON BY THE MEMBERS OF THE CREDIT UNION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | LINE 11A EXPLANATION - EACH BOARD MEMBER SHALL RECEIVE A COMPLETED DRAFT OF THE FORM 990 FOR REVIEW PRIOR TO FILING EACH YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE ORGANIZATION MONITORS COMPLIANCE WITH OUR CONFLICT OF INTEREST POLICY WHICH IS IN BOTH OUR MANUAL AND EMPLOYEE HANDBOOK. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE CEO ANNUALLY REVIEWS SALARIES IN CONJUCTION WITH THE EXTERNAL AUDIT BY CPAS. THE BOARD OF DIRECTORS ANNUALLY REVIEWS SALARY COMPENSATION FOR CEO COMPARISON DATA PROVIDED THROUGH CUNA MUTUAL GROUP INSURANCE UNDERWRITERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | DOCUMENTS AVAILABLE ON PREMISES UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | IMPERIAL ASSOCIATION DUES: PROGRAM SERVICE EXPENSES 82,500. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 82,500. MISC. EXPENSES: PROGRAM SERVICE EXPENSES 71,952. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 71,952. DEBIT CARD EXPENSES: PROGRAM SERVICE EXPENSES 56,912. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 56,912. UTILITIES: PROGRAM SERVICE EXPENSES 53,949. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 53,949. LENDING SOLUTION CONSULTING: PROGRAM SERVICE EXPENSES 37,221. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 37,221. BUILDING MAINTENANCE: PROGRAM SERVICE EXPENSES 32,159. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 32,159. BANK CHARGES: PROGRAM SERVICE EXPENSES 29,665. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 29,665. PROPERTY TAXES: PROGRAM SERVICE EXPENSES 27,518. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 27,518. BSA EXPENSES: PROGRAM SERVICE EXPENSES 27,407. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 27,407. DFI OPERATING FEES: PROGRAM SERVICE EXPENSES 20,711. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 20,711. AUTO EXPENSE: PROGRAM SERVICE EXPENSES 8,847. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 8,847. LEASED/RENTED EQUIPMENT: PROGRAM SERVICE EXPENSES 8,389. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 8,389. TAXES AND LICENSES: PROGRAM SERVICE EXPENSES 1,806. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 1,806. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 15 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2016 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $188,442,021
- Liabilities
- $161,031,762
- Net assets
- $27,410,259
- Revenue
- $8,621,474
- Expenses
- $7,623,367
- Net income
- $998,107