Civic Intelligence

Printing Office Employees Credit Union

EIN 95-1922868 • 501(c)14 • Covina, CA

View Organization Page

Profile

To provide prudent loans and promote thrift through saving.

301 E Rowland StreetCovina, CA 91723

www.poecreditunion.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

10th percentile

0.00x

Higher debt load relative to assets than 10% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

39th percentile

0.10x

Higher debt load relative to revenue than 39% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2015

Net Margin

18th percentile

-43%

Higher net margin than 18% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

52nd percentile

$48,240

Higher top officer pay than 52% of similar nonprofits.

Top officer pay equals 34.5% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2015

Asset Growth

58th percentile

-6.6%

Faster asset growth than 58% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

48th percentile

-3.5%

Faster revenue growth than 48% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets10th percentile

Assets

Down

$4,150,216

Down $293,077 (-6.6%) from 2014

Liabilities

Up

$14,481

Up $7,624 (+111%) from 2014

Net Assets

Down

$4,135,735

Down $300,701 (-6.8%) from 2014

Operations
Liabilities / Revenue39th percentileNet Margin18th percentile

Revenue

Down

$139,961

Down $5,002 (-3.5%) from 2014

Expenses

Down

$199,831

Down $3,904 (-1.9%) from 2014

Net Income

Down

-$59,870

Down $1,098 (-1.9%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth58th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$6.0M$4.0M$2.0M$0Assets 2010: $4,585,798Liabilities 2010: $8,230Net Assets 2010: $4,577,5682010Assets 2011: $4,590,909Liabilities 2011: $7,510Net Assets 2011: $4,583,3992011Assets 2012: $4,393,904Liabilities 2012: $7,433Net Assets 2012: $4,386,4712012Assets 2013: $4,569,017Liabilities 2013: $7,646Net Assets 2013: $4,561,3712013Assets 2014: $4,443,293Liabilities 2014: $6,857Net Assets 2014: $4,436,4362014Assets 2015: $4,150,216Liabilities 2015: $14,481Net Assets 2015: $4,135,7352015

Highlighted filing

2015

Assets$4,150,216
Liabilities$14,481
Net Assets$4,135,735
Open 2015 Filing

Operations Trend

Revenue Growth48th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$300K$200K$100K$0-$100KExpenses 2010: $221,3032010Expenses 2011: $202,8022011Expenses 2012: $216,5772012Revenue 2013: $148,042Expenses 2013: $225,372Net Income 2013: -$77,3302013Revenue 2014: $144,963Expenses 2014: $203,735Net Income 2014: -$58,7722014Revenue 2015: $139,961Expenses 2015: $199,831Net Income 2015: -$59,8702015

Highlighted filing

2015

Revenue$139,961
Expenses$199,831
Net Income-$59,870
Open 2015 Filing

Filings

Most recent year

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

Open filing
Assets
$4,150,216
Liabilities
$14,481
Net assets
$4,135,735
Revenue
$139,961
Expenses
$199,831
Net income
-$59,870
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$4.15$0.01$4.14$0.14$0.20$0.06
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.44$0.01$4.44$0.14$0.20$0.06
2013Detailed filing. Detailed filing data is available for this year.$4.57$0.01$4.56$0.15$0.23$0.08
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.39$0.01$4.39$0.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.59$0.01$4.58$0.20
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.59$0.01$4.58$0.22
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 24, 2016
Return Version
2015v2.1
Gross Receipts
$139,961
Mission and Program Overview

Mission

To provide prudent loans and promote thrift through saving.

Printing Office Employees Credit Union exists to provide its members with quality loans, interest earning savings accounts, I.R.A. accounts and Share Certificates. We are a member owned and managed, not-for-profit cooperative. We are committed to returning our profits to the membership in the form of enhanced services, high dividends and low loan rates while maintaining the safety and soundness of the credit union's assets.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$3,619,089$3,378,258▼ $240,831
Savings and Temporary Cash Investments$3,440,099$2,997,769▼ $442,330
Rtn Earn Endowment Incm Other Fnds$817,347$757,477▼ $59,870
Other Notes and Loans Receivable, Net$845,024$753,575▼ $91,449
Cash and Non-Interest-Bearing Accounts$125,396$369,165▲ $243,769
Accounts Receivable$13,582$13,792▲ $210
Prepaid Expenses and Deferred Charges$11,151$9,871▼ $1,280
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Inventories for Sale or Use-$0-
Total Assets$4,443,293$4,150,216▼ $293,077
Other Assets Total$8,041$6,044▼ $1,997
Liabilities
Accounts Payable and Accrued Expenses$6,857$14,481▲ $7,624
Total Liabilities$6,857$14,481▲ $7,624
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,436,436$4,135,735▼ $300,701
Total Liabilities and Net Assets / Fund Balance$4,443,293$4,150,216▼ $293,077
Compensation and Service Providers
Top Officer Pay52nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Tom FarrarTreasurer-Board of DirectorsFT$48,240$48,240

Board Members and Trustees

NameTitle
Frank BigelowChairman-Supervisory Committee
Robert PalmquistPresident-Board of Directors
Henry OsbornVice President-Board of Directors
Denise VarnadoDirector
Enrique GarciaDirector
Kimberly CaceresDirector
Cliff SeimearsSecretary-Board of Directors
Ariel SantanaMember-Credit Committee
Tom FarrarMember-Credit Committee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$81,716
Investment Income
$58,245
Other Revenue
$0
Change in Net Assets
$-59,870
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$112,701
Other Expenses$80,145
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$102,705
Occupancy---$23,096
Office Expenses---$14,682
Fees for Services Accounting---$13,285
Payroll Taxes---$8,067
Benefits to Members---$6,985
Insurance---$5,828
Information Technology---$5,557
Depreciation Depletion---$2,596
Fees for Services Management---$2,268
Other Employee Benefits---$1,929
Conferences and Meetings---$1,764
Fees for Services Other---$1,754
Advertising---$1,018
Other Expenses---$621
Fees for Service Investment Mgmnt Fees---$429
Travel---$373
Total Functional Expenses$0$0$0$199,831
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
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
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“We are a credit union. Our members are our stockholder/owners.”

Form 990, Part VI, Section A, Line 7A

“The board of directors is elected by the membership at its annual meeting.”

Form 990, Part VI, Section B, Line 11B

“No review was or will be conducted unless ordered by the board of directors.”

Form 990, Part VI, Section B, Line 15

“The manager's salary is determined by the board of directors annually. There has been no salary increase since 2009 due to economic conditions.”

Form 990, Part VI, Section C, Line 19

“Our financial statements are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Printing Office Employees Credit Union
EIN
95-1922868
Phone
6268588466
Address
301 E Rowland Street, Covina, CA 91723

Signing Officer

Name
Thomas Farrar
Title
Treasurer
Phone
6268588466
Signed
2016-05-24

Organization Details

Principal Officer
Thomas F Farrar
Formed
1954
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
3
Volunteers
10
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“The decrease in net assets is a result of members' withdrawals from savings, I.R.A.'s and certificate accounts/”

Raw XML Appendix389 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/ActivitiesConductedPrtshpInd00
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0LOANS: We offer various loan options including; New and used car, new and used RV, unsecured signature loans and share loans.
IRS990/ProgSrvcAccomActy3Grp/Desc0INVESTMENTS: Our excess funds are invested to generate additional income.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt07301
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt056506
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt094069
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt088457
IRS990/PYRevenuesLessExpensesAmt0-58772
IRS990/PYSalariesCompEmpBnftPaidAmt0102365
IRS990/PYTotalExpensesAmt0203735
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0144963
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-59870
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0817347
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0757477
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03440099
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02997769
IRS990/ScheduleBRequiredInd00
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0We are a credit union. Our members are our stockholder/owners.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The board of directors is elected by the membership at its annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2No review was or will be conducted unless ordered by the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The manager's salary is determined by the board of directors annually. There has been no salary increase since 2009 due to economic conditions.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Our financial statements are available to the public upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The decrease in net assets is a result of members' withdrawals from savings, I.R.A.'s and certificate accounts/
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt04443293
IRS990/TotalAssetsEOYAmt04150216
IRS990/TotalAssetsGrp/BOYAmt04443293
IRS990/TotalAssetsGrp/EOYAmt04150216
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0199831
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06857
IRS990/TotalLiabilitiesEOYAmt014481
IRS990/TotalLiabilitiesGrp/BOYAmt06857
IRS990/TotalLiabilitiesGrp/EOYAmt014481
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04436436
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04135735
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt081716
IRS990/TotalReportableCompFromOrgAmt048240
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0139961
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0139961
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04443293
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04150216
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0373
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0301 E Rowland St
IRS990/USAddress/CityNm0Covina
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd091723
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.poecreditunion.com
IRS990/WhistleblowerPolicyInd00
ReasonableCauseExplanation/ExplanationTxt0This credit union is in the process of merging into another credit union. I have been involved in that process and wasn't able to address this filing until now.
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Thomas Farrar
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum06268588466
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-24
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PRINTING OFFICE EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PRIN
ReturnHeader/Filer/EIN0951922868
ReturnHeader/Filer/PhoneNum06268588466
ReturnHeader/Filer/USAddress/AddressLine1Txt0301 E Rowland Street
ReturnHeader/Filer/USAddress/CityNm0Covina
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd091723
ReturnHeader/ReturnTs02016-05-24T18:10:43-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

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