Civic Intelligence

Cabrillo Credit Union

990 • Fiscal year 2019 • EIN 95-1968774

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 13, 2020

Organization ProfileWWW.CABRILLOCU.COM

View Organization Page

10075 Carroll Canyon Road 200San Diego, CA 92131

(858) 653-3282

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

74th percentile

0.90x

Higher debt load relative to assets than 74% of similar nonprofits.

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

Liabilities / Revenue

58th percentile

16.85x

Higher debt load relative to revenue than 58% of similar nonprofits.

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

Net Margin

30th percentile

10%

Higher net margin than 30% of similar nonprofits.

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

Top Officer Pay

6th percentile

$222,268

Higher top officer pay than 6% of similar nonprofits.

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

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

Asset Growth

83rd percentile

11%

Faster asset growth than 83% of similar nonprofits.

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

Revenue Growth

93rd percentile

21%

Faster revenue growth than 93% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets74th percentile

Assets

Up

$333,188,868

Up $32,779,397 (+11%) from 2018

Net Assets

Up

$32,183,894

Up $1,866,818 (+6.2%) from 2018

Liabilities

Up

$301,004,974

Up $30,912,579 (+11%) from 2018

Revenue And Expenses
Liabilities / Revenue58th percentileNet Margin30th percentile

Revenue

Up

$17,859,291

Up $3,103,456 (+21%) from 2018

Expenses

Up

$15,992,473

Up $3,560,590 (+29%) from 2018

Net Income

Down

$1,866,818

Down $457,134 (-20%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth83rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2019

Assets$333,188,868
Liabilities$301,004,974
Net Assets$32,183,894
Open 2019 Filing

Operations Trend

Revenue Growth93rd percentile

Revenue, expenses, and net income across loaded years, with this 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

2019

Revenue$17,859,291
Expenses$15,992,473
Net Income$1,866,818
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 13, 2020
Return Version
2019v5.0
Gross Receipts
$17,859,291
Mission and Program Overview

Mission

Non-profit, state-chartered, natural person credit union. Providing competitive, low cost financial services to the members of cabrillo credit union.

Non-profit, state-chartered, natural person credit union. Provides competitive, low cost financial services to the members of cabrillo credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$183,232,591$220,076,719▲ $36,844,128
Investments Program Related$95,267,544$79,837,963▼ $15,429,581
Rtn Earn Endowment Incm Other Fnds$30,317,076$32,183,894▲ $1,866,818
Cash and Non-Interest-Bearing Accounts$4,245,298$23,219,053▲ $18,973,755
Receivables From Officers Etc$2,029,671$3,233,977▲ $1,204,306
Land, Buildings, and Equipment, Net$2,033,654$1,982,200▼ $51,454
Savings and Temporary Cash Investments$9,708,131$515,438▼ $9,192,693
Total Assets$300,409,471$333,188,868▲ $32,779,397
Other Assets Total$3,892,582$4,323,518▲ $430,936
Liabilities
Other Liabilities$266,258,608$296,524,859▲ $30,266,251
Accounts Payable and Accrued Expenses$3,833,787$4,480,115▲ $646,328
Total Liabilities$270,092,395$301,004,974▲ $30,912,579
Net Assets / Fund Balance
Total Net Assets Fund Balance$30,317,076$32,183,894▲ $1,866,818
Total Liabilities and Net Assets / Fund Balance$300,409,471$333,188,868▲ $32,779,397

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$385,955$3,107,673$3,493,628
Buildings$462,665$2,570,758$3,033,423
Leasehold Improvements$276,891$718,086$994,977
Land$821,984-$821,984
Other Land Buildings$34,705-$34,705
Investment Program Related Org$79,837,963--
Compensation and Service Providers
Top Officer Pay6th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Frankie P DuenasCTOFT$222,268$222,268
Jonathan ZideCMOFT$184,814$184,814
Anne McclureCEOFT$174,043$174,043
Daniel KitchenCLOFT$168,617$168,617
Michael DeshazoPresident &FT$147,469$147,469
Matthew FiccoCFOFT$142,861$142,861
Peter SainatoCOOFT$102,104$102,104
Robert NolanCFOFT$40,996$40,996

Board Members and Trustees

NameTitle
Richard AmezcuaChairman
Dave C RodriguezVice Chairma
Armand OlveraDirector
Manuel BayonDirector
Paul HamiltonDirector
G Frank MirandaSecretary
Joel LaraSup Committe
Marcella Serrano-gomezSup Committe
Michael BaranicSup Committe
Kristopher WhitworthTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$10,086,105
Investment Income
$2,779,050
Other Revenue
$4,994,136
Change in Net Assets
$1,866,818
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,890,187
Salaries, Compensation, and Employee Benefits$6,916,412
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$4,654,230--$4,654,230
Benefits to Members$1,185,874--$1,185,874
Current Officers, Directors, Trustees, and Key Employees$726,623$456,549-$1,183,172
Occupancy$848,781--$848,781
Office Expenses$573,958$114,724-$688,682
Advertising$668,418--$668,418
Interest$581,767--$581,767
Fees for Services Other$574,534--$574,534
Other Expenses$503,664--$503,664
Other Employee Benefits$422,196--$422,196
Payroll Taxes$416,968--$416,968
Travel$299,143--$299,143
All Other Expenses$285,806--$285,806
Pension Plan Contributions$239,846--$239,846
Total Functional Expenses$15,421,200$571,273$0$15,992,473
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$2,029,671$3,233,977▲ $1,204,306
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deposits$271,524,859
Np Fhlb Loc$25,000,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 7A

“AT THE ANNUAL MEETING.”

Form 990, Page 6, Part VI, Line 11B

“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 individual/s 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 form/s 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 individual/s. 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 website. No other documents are available to the public.”

Form 990, Page 6, Part VI, Line 18

“SEE SCH O”

Form 990, Page 6, Part VI, Line 19

“Records are available at the credit union main offices”

Filing and Contact Details

Filer

Filer Name
Cabrillo Credit Union
EIN
95-1968774
Phone
8586533282
Address
10075 CARROLL CANYON ROAD 200, SAN DIEGO, CA 92131

Signing Officer

Name
Robert Nolan
Title
CFO
Phone
8586533282
Signed
2020-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael Deshazo
Formed
1955
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
107
Volunteers
10

Preparer

Firm
Carey & Raicevic Cpas Inc
Address
9939 HIBERT ST SUITE 206, SAN DIEGO, CA 92131-1031
Preparer
Vladimir Raicevic CPA
Phone
8585668020
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“Provided deposit and loan accounts to 24,922 members. Provided low cost source of credit and low cost financial services to our members. Provided source for member savings and checking account needs.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15VICE CHAIRMA
IRS990/Form990PartVIISectionAGrp/TitleTxt16SUP COMMITTE
IRS990/Form990PartVIISectionAGrp/TitleTxt17TREASURER
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IRS990/PoliticalCampaignActyInd0false
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IRS990/ProgSrvcAccomActyOtherGrp/Desc0PROVIDED DEPOSIT AND LOAN ACCOUNTS TO 24,922 MEMBERS. PROVIDED LOW COST SOURCE OF CREDIT AND LOW COST FINANCIAL SERVICES TO OUR MEMBERS. PROVIDED SOURCE FOR MEMBER SAVINGS AND CHECKING ACCOUNT NEEDS.
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IRS990ScheduleD/EquipmentGrp/BookValueAmt0385955
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03107673
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03493628
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt079837963
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INVESTMENTS - PROGRAM RELATED
IRS990ScheduleD/LandGrp/BookValueAmt0821984
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0821984
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0276891
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0718086
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0994977
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt034705
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt034705
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt125000000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1NP FHLB LOC
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01982200
IRS990ScheduleD/TotalBookValueProgramRltdAmt079837963
IRS990ScheduleD/TotalLiabilityAmt0296524859
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2174043
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3184814
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0FRANKIE P DUENAS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1DANIEL KITCHEN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2ANNE MCCLURE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3JONATHAN ZIDE
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Document Assets

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Filings

Displayed year

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

Open filing
Assets
$333,188,868
Liabilities
$301,004,974
Net assets
$32,183,894
Revenue
$17,859,291
Expenses
$15,992,473
Net income
$1,866,818
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$403$368$35.3$27.4$22.4$4.99
2023Detailed filing. Detailed filing data is available for this year.$398$370$27.7$19.8$18.2$1.50
2022Detailed filing. Detailed filing data is available for this year.$405$383$22.4$17.3$14.9$2.35
2021Detailed filing. Detailed filing data is available for this year.$424$392$31.9$15.5$13.9$1.56
2020Detailed filing. Detailed filing data is available for this year.$417$385$31.9$16.3$16.7$0.43
2019Detailed filing. Detailed filing data is available for this year.$333$301$32.2$17.9$16.0$1.87
2018Detailed filing. Detailed filing data is available for this year.$300$270$30.3$14.8$12.4$2.32
2017Detailed filing. Detailed filing data is available for this year.$275$247$28.0$12.9$11.9$1.05
2013Detailed filing. Detailed filing data is available for this year.$207$183$23.6$11.6$9.42$2.18
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$196$174$21.5$8.45
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$185$167$18.1$9.54
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$173$157$15.7$12.4