Civic Intelligence

Cabrillo Credit Union

EIN 95-1968774 • 501(c)14 • San Diego, CA

Profile

See schedule ocabrillo credit union is a cooperative, organized for the purpose of promoting thrift and savings among its members, creating a source of credit for them at rates of interest set by the board of directors, and providing an opportunity for them to use and control their own money on a democratic basis in order to improve their economic and social conditions. As a cooperative, cabrillo credit union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefits, or services of the credit union being distributed to its members as patrons.

3710 Ruffin RoadSan Diego, CA 92123

www.cabrillocu.com

Siviq Scores

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

Liabilities / Assets

68th percentile

0.91x

Higher debt load relative to assets than 68% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

31st percentile

13.45x

Higher debt load relative to revenue than 31% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

84th percentile

18%

Higher net margin than 84% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

39th percentile

$396,165

Higher top officer pay than 39% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

38th percentile

1.4%

Faster asset growth than 38% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

97th percentile

38%

Faster revenue growth than 97% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Assets

Up

$403,210,717

Up $5,471,286 (+1.4%) from 2023

Liabilities

Down

$367,948,483

Down $2,069,025 (-0.6%) from 2023

Net Assets

Up

$35,262,234

Up $7,540,311 (+27%) from 2023

Revenue

Up

$27,350,587

Up $7,600,399 (+38%) from 2023

Expenses

Up

$22,358,878

Up $4,112,126 (+23%) from 2023

Net Income

Up

$4,991,709

Up $3,488,273 (+232%) from 2023

Trend Graphs

Balance Sheet Trend

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

$600M$400M$200M$0Assets 2010: $173,158,410Liabilities 2010: $157,425,222Net Assets 2010: $15,733,1882010Assets 2011: $185,036,599Liabilities 2011: $166,967,201Net Assets 2011: $18,069,3982011Assets 2012: $195,837,100Liabilities 2012: $174,380,243Net Assets 2012: $21,456,8572012Assets 2013: $206,761,140Liabilities 2013: $183,121,537Net Assets 2013: $23,639,6032013Assets 2017: $275,446,717Liabilities 2017: $247,453,593Net Assets 2017: $27,993,1242017Assets 2018: $300,409,471Liabilities 2018: $270,092,395Net Assets 2018: $30,317,0762018Assets 2019: $333,188,868Liabilities 2019: $301,004,974Net Assets 2019: $32,183,8942019Assets 2020: $416,519,546Liabilities 2020: $384,614,239Net Assets 2020: $31,905,3072020Assets 2021: $423,725,270Liabilities 2021: $391,865,303Net Assets 2021: $31,859,9672021Assets 2022: $404,914,151Liabilities 2022: $382,562,374Net Assets 2022: $22,351,7772022Assets 2023: $397,739,431Liabilities 2023: $370,017,508Net Assets 2023: $27,721,9232023Assets 2024: $403,210,717Liabilities 2024: $367,948,483Net Assets 2024: $35,262,2342024

Highlighted filing

2024

Assets$403,210,717
Liabilities$367,948,483
Net Assets$35,262,234

Operations Trend

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

$30M$20M$10M$0-$10MExpenses 2010: $12,379,5702010Expenses 2011: $9,538,2482011Expenses 2012: $8,453,4052012Revenue 2013: $11,597,942Expenses 2013: $9,415,196Net Income 2013: $2,182,7462013Revenue 2017: $12,941,777Expenses 2017: $11,895,451Net Income 2017: $1,046,3262017Revenue 2018: $14,755,835Expenses 2018: $12,431,883Net Income 2018: $2,323,9522018Revenue 2019: $17,859,291Expenses 2019: $15,992,473Net Income 2019: $1,866,8182019Revenue 2020: $16,274,606Expenses 2020: $16,709,190Net Income 2020: -$434,5842020Revenue 2021: $15,486,506Expenses 2021: $13,925,693Net Income 2021: $1,560,8132021Revenue 2022: $17,265,058Expenses 2022: $14,914,266Net Income 2022: $2,350,7922022Revenue 2023: $19,750,188Expenses 2023: $18,246,752Net Income 2023: $1,503,4362023Revenue 2024: $27,350,587Expenses 2024: $22,358,878Net Income 2024: $4,991,7092024

Highlighted filing

2024

Revenue$27,350,587
Expenses$22,358,878
Net Income$4,991,709

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 12, 2025
Return Version
2024v5.2
Gross Receipts
$28,026,723
Mission and Program Overview

Mission

See schedule ocabrillo credit union is a cooperative, organized for the purpose of promoting thrift and savings among its members, creating a source of credit for them at rates of interest set by the board of directors, and providing an opportunity for them to use and control their own money on a democratic basis in order to improve their economic and social conditions. As a cooperative, cabrillo credit union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefits, or services of the credit union being distributed to its members as patrons.

A cooperative, organized for the purpose of promoting thrift and savings among its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$235,655,385$247,104,666▲ $11,449,281
Investments in Publicly Traded Securities$123,171,613$97,978,972▼ $25,192,641
Savings and Temporary Cash Investments$9,448,434$38,763,298▲ $29,314,864
Rtn Earn Endowment Incm Other Fnds$27,721,923$35,262,234▲ $7,540,311
Land, Buildings, and Equipment, Net$11,941,634$11,504,345▼ $437,289
Cash and Non-Interest-Bearing Accounts$4,089,975$4,648,018▲ $558,043
Prepaid Expenses and Deferred Charges$847,243$998,284▲ $151,041
Receivables From Officers Etc$507,080--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$397,739,431$403,210,717▲ $5,471,286
Other Assets Total$12,078,067$2,213,134▼ $9,864,933
Liabilities
Other Liabilities$362,898,217$361,434,704▼ $1,463,513
Accounts Payable and Accrued Expenses$7,119,291$6,513,779▼ $605,512
Total Liabilities$370,017,508$367,948,483▼ $2,069,025
Net Assets / Fund Balance
Total Net Assets Fund Balance$27,721,923$35,262,234▲ $7,540,311
Total Liabilities and Net Assets / Fund Balance$397,739,431$403,210,717▲ $5,471,286

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,915,189$158,888$5,074,077
Land$3,341,658-$3,341,658
Leasehold Improvements$1,192,099$402,768$1,594,867
Equipment$776,540$633,151$1,409,691
Other Land Buildings$1,278,859-$1,278,859
Investment Program Related Org$3,410,341--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kevin PoseyPresident/CEOFT$311,924$84,241$396,165
Frankie DuenasCTOFT$228,681$66,973$295,654
Allen ArvizuCFOFT$174,686$26,607$201,293
Justin BurnsVP, Information TechnologyFT$173,223$13,598$186,821
Jeremy PreimesbergerVP, MarketingFT$136,558$17,654$154,212
Bret HodaCROFT$138,329$11,264$149,593
Michelle GardnerVP, BranchesFT$126,667$12,251$138,918
Kelli DavisAvp, Risk & ComplianceFT$116,831$18,525$135,356
Julia FreitasAvp, Member ExperienceFT$110,836$22,246$133,082
Randi LarssonChair-$1,322-$1,322

Board Members and Trustees

NameTitle
Michael BaranicSupv Cmte Chair
Frank MirandaVice Chair
Manuel BayonBoard Member
Marcella Serrano-gomezBoard Member
Richard AmezcuaBoard Member
Dave C RodriguezSecretary
Joel LaraSupv Cmte Member
Tina PaisleySupv Cmte Member
Kristopher WhitworthTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Gem TeamTechnology3095 PALM VISTA CT, El Cajon, CA 92019$511,048
Cynthia GleasonHuman Resources35610 ASTURIAN WAY, Fallbrook, CA 92028$185,650
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$20,006,019
Investment Income
$7,344,568
Other Revenue
$0
Change in Net Assets
$4,991,709
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$14,352,752
Salaries, Compensation, and Employee Benefits$7,929,359
Grants and Similar Amounts Paid$76,767
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$5,061,451
Interest---$3,750,516
Office Expenses---$2,045,336
Information Technology---$1,941,608
Current Officers, Directors, Trustees, and Key Employees---$1,619,116
Fees for Services Other---$1,063,639
Occupancy---$802,017
Depreciation Depletion---$578,334
Other Employee Benefits---$503,712
Travel---$496,152
Advertising---$487,449
Payroll Taxes---$481,179
Pension Plan Contributions---$263,901
Fees for Services Legal---$258,310
Fees for Services Accounting---$150,657
Grants to Domestic Orgs---$76,767
Other Expenses---$53,096
Total Functional Expenses$0$0$0$22,358,878
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Sharp Healthcare FoundationSan Diego, CA501(c)(3)To Promote Contributions and Coordinate Grant Programs That Assist Sharp Healthcare in Meeting the Health Needs of San Diego Communities.$76,767
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 Officers, Directors, Trustees, and Key Employees$507,080--
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Shares and Deposits$361,418,518
Borrowed Funds$16,186
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 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
No
Other officer compensation reviewed
No
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

Cabrillo credit union is a cooperative financial institution that is owned and controlled by its members, and operated for the purpose of promoting thrift and savings to its members. Cabrillo credit union does not have stockholders.

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

The governing board of cabrillo credit union is comprised of volunteer members who are directly elected by its members. Each member of the governing board serves for a period as prescribed by its by-laws.

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

At the end of each term of the board members, elections are held and board members are voted by the members of the credit union pursuant to its by-laws. Member votes are also required to ratify decisions dealing with reorganizations as in the case of merger or dissolution.

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

Organization's process to review form 990: the return preparer emails a draft of the form 990 to a designated officer and/or the ceo of the credit union for review. The designated individuals review the draft and present any questions, comments or corrections to the return preparer. Upon satisfactory completion of the form 990, the organization's authorized individual signs the appropriate signature forms to authorize the electronic filing of the return. A copy of the form 990, as filed, is provided by the return preparer to the organization's ceo or other designated individuals. Governing documents and financial statements are available upon request. Financials are also posted in the lobby; financials and other information are available on the ncua and candid websites.

Form 990, Part VI, Section C, Line 19

Governing documents disclosure explanation records are available at the credit union main offices.

Filing and Contact Details

Filer

Filer Name
Cabrillo Credit Union
EIN
95-1968774
Phone
8585477400
Address
3710 RUFFIN ROAD, SAN DIEGO, CA 92123

Signing Officer

Name
Allen Arvizu
Title
CFO
Phone
8585477400
Signed
2025-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kevin Posey
Formed
1955
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
91
Volunteers
10

Preparer

Firm
Turner Warren Hwang & Conrad Acctcy
Address
100 NORTH FIRST ST STE 202, BURBANK, CA 91502
Preparer
Natalie Hull CPA
Phone
8189549700
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

The organization has not changed either its oversight process or selection process during the tax year.

Financial Statement Notes

PART X, LINE 2:

Fasb asc 740-10-65, income taxes, provides guidance for how uncertain tax positions should be recognized, measured, disclosed and presented in the financial statements. This requires the evaluation of tax positions taken or expected to be taken in the course of preparing the credit union's tax returns to determine whether the tax positions are "more likely than not" of being sustained "when challenged or "when examined" by the applicable tax authority. Tax positions deemed to not meet the more-likely-than-not threshold should be recorded as a tax expense and liability in the current year. For the years ended september 30, 2024 and 2023, management has determined that there are no material uncertain tax positions, and accordingly, the credit union has not recorded a liability for the payment of interest or penalties.

Raw XML AppendixShowing 400 of 576 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt07119291
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt06513779
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS.
IRS990/AdvertisingGrp/TotalAmt0487449
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0ALLEN ARVIZU CFO
IRS990/BooksInCareOfDetail/PhoneNum08585477400
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03710 RUFFIN ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0SAN DIEGO
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd092123
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt04089975
IRS990/CashNonInterestBearingGrp/EOYAmt04648018
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt02
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01619116
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0511048
IRS990/ContractorCompensationGrp/CompensationAmt1185650
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt03095 PALM VISTA CT
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt135610 ASTURIAN WAY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0EL CAJON
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1FALLBROOK
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd092019
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd192028
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0GEM TEAM
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1CYNTHIA GLEASON
IRS990/ContractorCompensationGrp/ServicesDesc0TECHNOLOGY
IRS990/ContractorCompensationGrp/ServicesDesc1HUMAN RESOURCES
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt076767
IRS990/CYInvestmentIncomeAmt07344568
IRS990/CYOtherExpensesAmt014352752
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt020006019
IRS990/CYRevenuesLessExpensesAmt04991709
IRS990/CYSalariesCompEmpBnftPaidAmt07929359
IRS990/CYTotalExpensesAmt022358878
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt027350587
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0578334
IRS990/Desc0PROVIDED DEPOSIT AND LOAN ACCOUNTS TO 24,719 MEMBERS.PROVIDED LOW COST SOURCE OF CREDIT AND LOW COST FINANCIAL SERVICES TO OUR MEMBERS. PROVIDED SOURCE FOR MEMBER SAVINGS AND CHECKING ACCOUNT NEEDS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt091
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0150657
IRS990/FeesForServicesLegalGrp/TotalAmt0258310
IRS990/FeesForServicesOtherGrp/TotalAmt01063639
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt04.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt14.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt24.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt34.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt44.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt54.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt64.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt74.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt84.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt94.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1540.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1640.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1840.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1033622
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1135281
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1218981
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1311264
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt146873
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1514257
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1612251
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1718525
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1822246
IRS990/Form990PartVIISectionAGrp/PersonNm0RANDI LARSSON
IRS990/Form990PartVIISectionAGrp/PersonNm1FRANK MIRANDA
IRS990/Form990PartVIISectionAGrp/PersonNm2DAVE C RODRIGUEZ
IRS990/Form990PartVIISectionAGrp/PersonNm3KRISTOPHER WHITWORTH
IRS990/Form990PartVIISectionAGrp/PersonNm4RICHARD AMEZCUA
IRS990/Form990PartVIISectionAGrp/PersonNm5MARCELLA SERRANO-GOMEZ
IRS990/Form990PartVIISectionAGrp/PersonNm6MANUEL BAYON
IRS990/Form990PartVIISectionAGrp/PersonNm7MICHAEL BARANIC
IRS990/Form990PartVIISectionAGrp/PersonNm8TINA PAISLEY
IRS990/Form990PartVIISectionAGrp/PersonNm9JOEL LARA
IRS990/Form990PartVIISectionAGrp/PersonNm10KEVIN POSEY
IRS990/Form990PartVIISectionAGrp/PersonNm11FRANKIE DUENAS
IRS990/Form990PartVIISectionAGrp/PersonNm12ALLEN ARVIZU
IRS990/Form990PartVIISectionAGrp/PersonNm13BRET HODA
IRS990/Form990PartVIISectionAGrp/PersonNm14JUSTIN BURNS
IRS990/Form990PartVIISectionAGrp/PersonNm15JEREMY PREIMESBERGER
IRS990/Form990PartVIISectionAGrp/PersonNm16MICHELLE GARDNER
IRS990/Form990PartVIISectionAGrp/PersonNm17KELLI DAVIS
IRS990/Form990PartVIISectionAGrp/PersonNm18JULIA FREITAS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt01322
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10362543
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11260373
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12182312
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13138329
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14179948
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15139955
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16126667
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17116831
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18110836
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7SUPV CMTE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt8SUPV CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9SUPV CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CTO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt13CRO
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP, INFORMATION TECHNOLOGY
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP, MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP, BRANCHES
IRS990/Form990PartVIISectionAGrp/TitleTxt17AVP, RISK & COMPLIANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt18AVP, MEMBER EXPERIENCE
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01955
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt03823864
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticOrgsGrp/TotalAmt076767
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt04500000
IRS990/GrossReceiptsAmt028026723
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt016
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01941608
IRS990/InterestGrp/TotalAmt03750516
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt03520704
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt03520704
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0235655385
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0247104666
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0123171613
IRS990/InvestmentsPubTradedSecGrp/EOYAmt097978972
IRS990/IRPDocumentCnt04015
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01194807
IRS990/LandBldgEquipBasisNetGrp/BOYAmt011941634
IRS990/LandBldgEquipBasisNetGrp/EOYAmt011504345
IRS990/LandBldgEquipCostOrOtherBssAmt012699152
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0676136
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0SEE SCHEDULE OCABRILLO CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, CABRILLO CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt027721923
IRS990/NetAssetsOrFundBalancesEOYAmt035262234
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt03823864
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt03823864
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt02548602
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0802017
IRS990/OfficeExpensesGrp/TotalAmt02045336
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt012078067
IRS990/OtherAssetsTotalGrp/EOYAmt02213134
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0503712
IRS990/OtherExpensesGrp/Desc0CREDIT LOSS EXPENSE-LOA
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc2MISC NON-INTEREST EXPEN
IRS990/OtherExpensesGrp/Desc3OPERATING FEES
IRS990/OtherExpensesGrp/TotalAmt01317363
IRS990/OtherExpensesGrp/TotalAmt1798339
IRS990/OtherExpensesGrp/TotalAmt2609936
IRS990/OtherExpensesGrp/TotalAmt353096
IRS990/OtherInd0X
IRS990/OtherLiabilitiesGrp/BOYAmt0362898217
IRS990/OtherLiabilitiesGrp/EOYAmt0361434704
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt05061451
IRS990/OtherWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0481179
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0263901
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0847243
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0998284
IRS990/PrincipalOfficerNm0KEVIN POSEY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt014613947
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13454870
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21888524
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt014613947
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13454870
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21937202
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt048678
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt071000
IRS990/PYInvestmentIncomeAmt02774286
IRS990/PYOtherExpensesAmt010899770
IRS990/PYOtherRevenueAmt039788
IRS990/PYProgramServiceRevenueAmt016936114
IRS990/PYRevenuesLessExpensesAmt01503436
IRS990/PYSalariesCompEmpBnftPaidAmt07275982
IRS990/PYTotalExpensesAmt018246752
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt019750188
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0507080
IRS990/ReconcilationRevenueExpnssAmt04991709
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt027721923
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt035262234
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09448434
IRS990/SavingsAndTempCashInvstGrp/EOYAmt038763298
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04915189
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0158888
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05074077
IRS990ScheduleD/EquipmentGrp/BookValueAmt0776540
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0633151
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01409691
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0378784
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt13076118
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2240239423
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt33410341
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0PERPETUAL CONTRIBUTED CAPITAL
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1ALL OTHER INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2NET LOANS & LEASES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3NCUA SHARE INSURANCE CAPITALIZATION DEPOSITS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/LandGrp/BookValueAmt03341658
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03341658
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01192099
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0402768
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01594867
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01278859
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01278859
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt016186
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1361418518
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0BORROWED FUNDS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1TOTAL SHARES AND DEPOSITS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0FASB ASC 740-10-65, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE "MORE LIKELY THAN NOT" OF BEING SUSTAINED "WHEN CHALLENGED OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS DEEMED TO NOT MEET THE MORE-LIKELY-THAN-NOT THRESHOLD SHOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEARS ENDED SEPTEMBER 30, 2024 AND 2023, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS, AND ACCORDINGLY, THE CREDIT UNION HAS NOT RECORDED A LIABILITY FOR THE PAYMENT OF INTEREST OR PENALTIES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt011504345
IRS990ScheduleD/TotalBookValueProgramRltdAmt0247104666
IRS990ScheduleD/TotalLiabilityAmt0361434704
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/RecipientTable/CashGrantAmt076767
IRS990ScheduleI/RecipientTable/IRCSectionDesc0501(C)(3)
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt00
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0TO PROMOTE CONTRIBUTIONS AND COORDINATE GRANT PROGRAMS THAT ASSIST SHARP HEALTHCARE IN MEETING THE HEALTH NEEDS OF SAN DIEGO COMMUNITIES.
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0SHARP HEALTHCARE FOUNDATION
IRS990ScheduleI/RecipientTable/RecipientEIN0953492461
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt08695 SPECTRUM CENTER BLVD
IRS990ScheduleI/RecipientTable/USAddress/CityNm0SAN DIEGO
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd0CA
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd092123
IRS990ScheduleI/RecipientTable/ValuationMethodUsedDesc0FMV
IRS990ScheduleI/Total501c3OrgCnt01
IRS990ScheduleI/TotalOtherOrgCnt00
IRS990ScheduleJ/EquityBasedCompArrngmInd00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.