Civic Intelligence

Coasthills Credit Union

990 • Fiscal year 2015 • EIN 95-2015359

Jan 01, 2015 to Dec 31, 2015 • Filed on Oct 31, 2016

Organization ProfileWWW.COASTHILLS.COOP

View Organization Page

3880 Constellation RoadLompoc, CA 93436

(805) 733-7625

Siviq Scores

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

Liabilities / Assets

81st percentile

0.91x

Higher debt load relative to assets than 81% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

37th percentile

17.10x

Higher debt load relative to revenue than 37% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

75th percentile

19%

Higher net margin than 75% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

82nd percentile

$569,332

Higher top officer pay than 82% of similar nonprofits.

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

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

93rd percentile

16%

Faster asset growth than 93% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

99th percentile

130%

Faster revenue growth than 99% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets81st percentile

Assets

Up

$914,349,587

Up $124,810,744 (+16%) from 2014

Net Assets

Up

$80,458,660

Up $9,345,324 (+13%) from 2014

Liabilities

Up

$833,890,927

Up $115,465,420 (+16%) from 2014

Revenue And Expenses
Liabilities / Revenue37th percentileNet Margin75th percentile

Revenue

Up

$48,774,369

Up $27,526,160 (+130%) from 2014

Expenses

Up

$39,516,416

Up $22,590,363 (+133%) from 2014

Net Income

Up

$9,257,953

Up $4,935,797 (+114%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth93rd percentile

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

$2.0B$1.5B$1.0B$500M$0Assets 2014: $789,538,843Liabilities 2014: $718,425,507Net Assets 2014: $71,113,3362014Assets 2015: $914,349,587Liabilities 2015: $833,890,927Net Assets 2015: $80,458,6602015Assets 2016: $1,005,294,341Liabilities 2016: $915,150,109Net Assets 2016: $90,144,2322016Assets 2017: $1,083,097,348Liabilities 2017: $984,818,896Net Assets 2017: $98,278,4522017Assets 2018: $1,158,529,417Liabilities 2018: $1,055,022,914Net Assets 2018: $103,506,5032018Assets 2019: $1,201,163,128Liabilities 2019: $1,090,006,490Net Assets 2019: $111,156,6382019Assets 2020: $1,370,734,730Liabilities 2020: $1,251,547,470Net Assets 2020: $119,187,2602020Assets 2021: $1,604,476,418Liabilities 2021: $1,477,601,475Net Assets 2021: $126,874,9432021Assets 2022: $1,828,708,068Liabilities 2022: $1,700,920,334Net Assets 2022: $127,787,7342022Assets 2023: $1,783,506,274Liabilities 2023: $1,652,452,034Net Assets 2023: $131,054,2402023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2015

Assets$914,349,587
Liabilities$833,890,927
Net Assets$80,458,660
Open 2015 Filing

Operations Trend

Revenue Growth99th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$100M$50M$0-$50MRevenue 2014: $21,248,209Expenses 2014: $16,926,053Net Income 2014: $4,322,1562014Revenue 2015: $48,774,369Expenses 2015: $39,516,416Net Income 2015: $9,257,9532015Revenue 2016: $51,590,908Expenses 2016: $42,003,936Net Income 2016: $9,586,9722016Revenue 2017: $55,866,120Expenses 2017: $47,626,891Net Income 2017: $8,239,2292017Revenue 2018: $61,580,785Expenses 2018: $56,386,963Net Income 2018: $5,193,8222018Revenue 2019: $66,242,157Expenses 2019: $58,699,349Net Income 2019: $7,542,8082019Revenue 2020: $65,719,111Expenses 2020: $58,703,237Net Income 2020: $7,015,8742020Revenue 2021: $68,814,131Expenses 2021: $59,373,912Net Income 2021: $9,440,2192021Revenue 2022: $76,854,403Expenses 2022: $70,014,183Net Income 2022: $6,840,2202022Revenue 2023: $95,869,457Expenses 2023: $91,804,133Net Income 2023: $4,065,3242023Revenue 2024: $4,821,474Expenses 2024: $5,045,642Net Income 2024: -$224,1682024

Highlighted filing

2015

Revenue$48,774,369
Expenses$39,516,416
Net Income$9,257,953
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Oct 31, 2016
Return Version
2015v2.1
Gross Receipts
$49,377,286
Mission and Program Overview

Mission

We see each day as an opportunity to serve our communities and make a difference in our neighbors' lives. Yes, that means making affordable car loans and helping people save money, but it's more than that. You'll see us out in the community, sleeves rolled up, getting things done. Lending our time, effort and financial support to the central coast is what we do. And we love it.

It is the mission of coasthills credit union to serve members with financial products and superior customer service to help them achieve their financial goals.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$714,276,976$776,079,918▲ $61,802,942
Savings and Temporary Cash Investments$35,292,734$91,257,003▲ $55,964,269
Rtn Earn Endowment Incm Other Fnds$71,113,336$80,458,660▲ $9,345,324
Land, Buildings, and Equipment, Net$13,672,421$14,314,391▲ $641,970
Receivables From Officers Etc$4,160,307$11,420,594▲ $7,260,287
Investments Other Securities$4,404,681$4,463,069▲ $58,388
Cash and Non-Interest-Bearing Accounts$3,764,428$2,954,577▼ $809,851
Accounts Receivable$3,123,007$1,887,838▼ $1,235,169
Prepaid Expenses and Deferred Charges$1,238,840$1,734,309▲ $495,469
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$789,538,843$914,349,587▲ $124,810,744
Other Assets Total$9,605,449$10,237,888▲ $632,439
Liabilities
Other Liabilities$643,215,490$740,383,650▲ $97,168,160
Accounts Payable and Accrued Expenses$75,210,017$93,507,277▲ $18,297,260
Total Liabilities$718,425,507$833,890,927▲ $115,465,420
Net Assets / Fund Balance
Total Net Assets Fund Balance$71,113,336$80,458,660▲ $9,345,324
Total Liabilities and Net Assets / Fund Balance$789,538,843$914,349,587▲ $124,810,744

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,954,987$7,716,327$14,671,314
Equipment$2,693,388$9,967,621$12,661,009
Land$4,245,400-$4,245,400
Leasehold Improvements$420,616$891,837$1,312,453
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jeffrey C YorkCEO/presidentFT$400,934$168,398$569,332
Bruce a AltheideVP Wealth ManagementFT$33,752$314,665$348,417
David J UphamEvp/COOFT$222,635$43,609$266,244
Marty L ChathamSVP/CFOFT$209,870$53,010$262,880
Robert CovarrubiasVP Business LendingFT$143,397$54,344$197,741
Lisa Nissinen-harlowSVP Human ResourcesFT$157,068$29,613$186,681
Dallas E Widick JrVP LendingFT$134,268$50,702$184,970
Scott D CoeSVP MarketingFT$149,760$28,062$177,822
Sheila PerrotaInternal Mortgage Loan OfficerFT$33,617$126,421$160,038
Kevin JohnsVP Retail SalesFT$125,953$31,850$157,803
Linda Jarret OlivarAvp Internal AuditFT$124,017$29,497$153,514
Jose SevaSVP Information TechnologyFT$121,174$18,941$140,115
Dean P LadasAvp FinanceFT$118,953$13,048$132,001
William H AndersSecretary of the Board-$3,945-$3,945
Arthur C Sheithauer JrTreasurer-$3,202-$3,202
Ricardo Velasco1st Vice Chairman-$2,204-$2,204
Hugh J RaffertyChairman-$1,775-$1,775
Roger C WeltDirector-$1,642-$1,642
Kristopher L Andrews2nd Vice Chairman-$1,448-$1,448
David M RichardsonDirector-$1,007-$1,007

Board Members and Trustees

NameTitle
Bernard E JonesDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry IncorporatedErp And Core Processing System SoftwarePO BOX 609, Monett, MO 65708$972,998
Adapt Telephone ServicesTelephone Switching System Including Sof600 ENTERPRISE DRIVE STE 204, Oak Brook, IL 60523$786,395
Lending Solutions IncorporatedOverflow Call Center Services2200 POINT BLV, Elgin, IL 60123$361,764
Experian Information SolutionsCredit ReportingPO BOX 881971, Los Angeles, CA 90088$339,120
Strategic Resource ManagementContract Re-negotiation Services5100 POPLAR AVENUE SUITE 2500, Memphis, TN 38137$263,006
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$47,418,417
Investment Income
$1,355,952
Other Revenue
$0
Change in Net Assets
$9,257,953
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$23,422,226
Salaries, Compensation, and Employee Benefits$16,049,777
Grants and Similar Amounts Paid$44,413
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$8,675,188
Interest---$5,138,325
Occupancy---$3,609,688
Other Employee Benefits---$2,999,149
Current Officers, Directors, Trustees, and Key Employees---$2,952,781
Office Expenses---$1,555,716
Depreciation Depletion---$1,471,229
All Other Expenses---$1,470,526
Other Expenses---$1,064,409
Advertising---$995,351
Payroll Taxes---$908,424
Pension Plan Contributions---$514,235
Fees for Services Management---$495,783
Travel---$473,903
Fees for Services Accounting---$246,644
Fees for Services Legal---$88,554
Grants to Domestic Orgs---$24,413
Grants to Domestic Individuals---$20,000
Total Functional Expenses$0$0$0$39,516,416
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Arroyo Grande Hospital FoundationArroyo Grande, CA501(c)3Charity$9,000
Elks Recreation IncSanta Maria, CA501(c)4Charity$8,663
Caliornia Credit Union LeagueOntaria, CA-Legal Defense Fund$6,750
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$4,160,307$11,420,594▲ $7,260,287
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Clearing and Member Accts$740,383,650
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
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“As a state chartered credit union, all depositors and borrowers are required to have a $5 basic share.”

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

“All holders of basic shares are allowed to vote in annual election for members of the board of directors and supervisory committee.”

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

“Credit union members voted to approve a conversion from federally chartered status to state chartered status during 2014.”

Form 990, Part VI, Section B, Line 11

“The return is available for members of the board of directors to review.”

Form 990, Part VI, Section B, Line 12C

“Loans to officers, directors, and key employees are reported quarterly to the ncua and aggregated by social security number.”

Form 990, Part VI, Section B, Line 15

“Coasthills credit union uses market data balancecomp along with data from cues to help set ceo compensation. Coasthills board of directors commissioned d. Hilton associates to conduct a separate study of ceo compensation. After discussions with balancecomp and d. Hilton associates, the board of directors makes a decision where to set ceo compensation based upon both performance and market factors. These decisions are recorded in the board executive committee minutes and confirmed by the entire board executive committee. For other officers and key employees, coasthills credit union uses a compensation matrix provided by balancecomp that incorporates market data.”

Form 990, Part VI, Section C, Line 19

“Copies of monthly financial statements are kept in each of our 11 branch locations and are available on request.”

Filing and Contact Details

Filer

Filer Name
Coasthills Credit Union
EIN
95-2015359
Phone
8057337625
Address
3880 CONSTELLATION ROAD, LOMPOC, CA 93436

Signing Officer

Name
Marty Chatham
Title
CFO/SVP
Phone
8057337625
Signed
2016-10-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jeffrey C York
Formed
1958
Legal Domicile
CA
Voting Board Members
8
Independent Board Members
8
Employees
273
Volunteers
17

Preparer

Firm
Cliftonlarsonallen Llp
Address
20 E THOMAS RD STE 2300, PHOENIX, AZ 85012
Preparer
Janis Isaacson
Phone
6022662248
Supplemental Narrative

Additional Explanations

Form 990 Part XII, Line 2C

“The supervisory committee assumes responsibility for the oversight of the audited financial statements. There has been no change in either the oversight process or the selection process.”

Financial Statement Notes

PART X, LINE 2:

“The credit union evaluated its tax positions and determined no uncertain positions exist as of december 31, 2015 and 2014.”

Raw XML AppendixShowing 400 of 1,003 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/BOYAmt075210017
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt093507277
IRS990/AccountsReceivableGrp/BOYAmt03123007
IRS990/AccountsReceivableGrp/EOYAmt01887838
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0IT IS THE MISSION OF COASTHILLS CREDIT UNION TO SERVE MEMBERS WITH FINANCIAL PRODUCTS AND SUPERIOR CUSTOMER SERVICE TO HELP THEM ACHIEVE THEIR FINANCIAL GOALS.
IRS990/AdvertisingGrp/TotalAmt0995351
IRS990/AllOtherExpensesGrp/TotalAmt01470526
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0MARTY CHATHAM
IRS990/BooksInCareOfDetail/PhoneNum08057337625
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03880 CONSTELLATION ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0LOMPOC
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd093436
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt03764428
IRS990/CashNonInterestBearingGrp/EOYAmt02954577
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt034
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt02952781
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd01
IRS990/ContractorCompensationGrp/CompensationAmt0972998
IRS990/ContractorCompensationGrp/CompensationAmt1786395
IRS990/ContractorCompensationGrp/CompensationAmt2361764
IRS990/ContractorCompensationGrp/CompensationAmt3339120
IRS990/ContractorCompensationGrp/CompensationAmt4263006
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0PO BOX 609
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1600 ENTERPRISE DRIVE STE 204
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt22200 POINT BLV
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt3PO BOX 881971
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt45100 POPLAR AVENUE SUITE 2500
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0MONETT
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1OAK BROOK
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2ELGIN
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3LOS ANGELES
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4MEMPHIS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4TN
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd065708
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd160523
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd260123
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd390088
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd438137
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0JACK HENRY INCORPORATED
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1ADAPT TELEPHONE SERVICES
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2LENDING SOLUTIONS INCORPORATED
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3EXPERIAN INFORMATION SOLUTIONS
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4STRATEGIC RESOURCE MANAGEMENT
IRS990/ContractorCompensationGrp/ServicesDesc0ERP AND CORE PROCESSING SYSTEM SOFTWARE
IRS990/ContractorCompensationGrp/ServicesDesc1TELEPHONE SWITCHING SYSTEM INCLUDING SOF
IRS990/ContractorCompensationGrp/ServicesDesc2OVERFLOW CALL CENTER SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc3CREDIT REPORTING
IRS990/ContractorCompensationGrp/ServicesDesc4CONTRACT RE-NEGOTIATION SERVICES
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt044413
IRS990/CYInvestmentIncomeAmt01355952
IRS990/CYOtherExpensesAmt023422226
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt047418417
IRS990/CYRevenuesLessExpensesAmt09257953
IRS990/CYSalariesCompEmpBnftPaidAmt016049777
IRS990/CYTotalExpensesAmt039516416
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt048774369
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt01471229
IRS990/Desc0THE CREDIT UNION PROVIDES DRAFT AND SHARE ACCOUNTS, CONSUMER AND BUSINESS LOANS, SHARE CERTIFICATES, AND OTHER EXEMPT ACTIVITIES TO ITS MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd01
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0273
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0246644
IRS990/FeesForServicesLegalGrp/TotalAmt088554
IRS990/FeesForServicesManagementGrp/TotalAmt0495783
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt72.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
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/AverageHoursPerWeekRt1940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2040.00
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/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
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/OtherCompensationAmt842666
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt934947
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1025314
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1122273
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1215563
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1316168
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1427364
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1521654
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1618941
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1719662
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1820561
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1922893
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2013048
IRS990/Form990PartVIISectionAGrp/PersonNm0HUGH J RAFFERTY
IRS990/Form990PartVIISectionAGrp/PersonNm1RICARDO VELASCO
IRS990/Form990PartVIISectionAGrp/PersonNm2KRISTOPHER L ANDREWS
IRS990/Form990PartVIISectionAGrp/PersonNm3ARTHUR C SHEITHAUER JR
IRS990/Form990PartVIISectionAGrp/PersonNm4WILLIAM H ANDERS
IRS990/Form990PartVIISectionAGrp/PersonNm5DAVID M RICHARDSON
IRS990/Form990PartVIISectionAGrp/PersonNm6ROGER C WELT
IRS990/Form990PartVIISectionAGrp/PersonNm7BERNARD E JONES
IRS990/Form990PartVIISectionAGrp/PersonNm8JEFFREY C YORK
IRS990/Form990PartVIISectionAGrp/PersonNm9MARTY L CHATHAM
IRS990/Form990PartVIISectionAGrp/PersonNm10DAVID J UPHAM
IRS990/Form990PartVIISectionAGrp/PersonNm11DALLAS E WIDICK JR
IRS990/Form990PartVIISectionAGrp/PersonNm12SCOTT D COE
IRS990/Form990PartVIISectionAGrp/PersonNm13LISA NISSINEN-HARLOW
IRS990/Form990PartVIISectionAGrp/PersonNm14BRUCE A ALTHEIDE
IRS990/Form990PartVIISectionAGrp/PersonNm15ROBERT COVARRUBIAS
IRS990/Form990PartVIISectionAGrp/PersonNm16JOSE SEVA
IRS990/Form990PartVIISectionAGrp/PersonNm17LINDA JARRET OLIVAR
IRS990/Form990PartVIISectionAGrp/PersonNm18SHEILA PERROTA
IRS990/Form990PartVIISectionAGrp/PersonNm19KEVIN JOHNS
IRS990/Form990PartVIISectionAGrp/PersonNm20DEAN P LADAS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt01775
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12204
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21448
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt33202
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt43945
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt51007
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt61642
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8526666
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9227933
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10240930
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11162697
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12162259
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13170513
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14321053
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15176087
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16121174
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17133852
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18139477
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19134910
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20118953
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/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt11ST VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt22ND VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8CEO/PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt9SVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt10EVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP WEALTH MANAGEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP BUSINESS LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP INFORMATION TECHNOLOGY
IRS990/Form990PartVIISectionAGrp/TitleTxt17AVP INTERNAL AUDIT
IRS990/Form990PartVIISectionAGrp/TitleTxt18INTERNAL MORTGAGE LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP RETAIL SALES
IRS990/Form990PartVIISectionAGrp/TitleTxt20AVP FINANCE
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01958
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-3825
IRS990/GainOrLossGrp/SecuritiesAmt0519214
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt020000
IRS990/GrantsToDomesticOrgsGrp/TotalAmt024413
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0427663
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0690643
IRS990/GrossReceiptsAmt049377286
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt024
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InterestGrp/TotalAmt05138325
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0840563
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0840563
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt04404681
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt04463069
IRS990/IRPDocumentCnt017195
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt018575785
IRS990/LandBldgEquipBasisNetGrp/BOYAmt013672421
IRS990/LandBldgEquipBasisNetGrp/EOYAmt014314391
IRS990/LandBldgEquipCostOrOtherBssAmt032890176
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0431488
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0171429
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WE SEE EACH DAY AS AN OPPORTUNITY TO SERVE OUR COMMUNITIES AND MAKE A DIFFERENCE IN OUR NEIGHBORS' LIVES. YES, THAT MEANS MAKING AFFORDABLE CAR LOANS AND HELPING PEOPLE SAVE MONEY, BUT IT'S MORE THAN THAT. YOU'LL SEE US OUT IN THE COMMUNITY, SLEEVES ROLLED UP, GETTING THINGS DONE. LENDING OUR TIME, EFFORT AND FINANCIAL SUPPORT TO THE CENTRAL COAST IS WHAT WE DO. AND WE LOVE IT.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt071113336
IRS990/NetAssetsOrFundBalancesEOYAmt080458660
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0515389
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0515389
IRS990/NetUnrelatedBusTxblIncmAmt0-323306
IRS990/NetUnrlzdGainsLossesInvstAmt087371
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt03609688
IRS990/OfficeExpensesGrp/TotalAmt01555716
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt09605449
IRS990/OtherAssetsTotalGrp/EOYAmt010237888
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02999149
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1PROCESSING EXPENSES
IRS990/OtherExpensesGrp/Desc2MISC EXPENSES
IRS990/OtherExpensesGrp/Desc3CREDIT CARD EXPENSES
IRS990/OtherExpensesGrp/TotalAmt02970541
IRS990/OtherExpensesGrp/TotalAmt12389860
IRS990/OtherExpensesGrp/TotalAmt21451697
IRS990/OtherExpensesGrp/TotalAmt31064409
IRS990/OtherLiabilitiesGrp/BOYAmt0643215490
IRS990/OtherLiabilitiesGrp/EOYAmt0740383650
IRS990/OtherSalariesAndWagesGrp/TotalAmt08675188
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0714276976
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0776079918
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0908424
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0514235
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01238840
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01734309
IRS990/PrincipalOfficerNm0JEFFREY C YORK
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3524298
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS TO MEMBERS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER NON-INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES TO MEMBERS
IRS990/ProgramServiceRevenueGrp/Desc3UNRELATED BUSINESS INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt033784141
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt18182932
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt25275671
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt033784141
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt18182932
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt25275671
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3175673
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0175673
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0419167
IRS990/PYOtherExpensesAmt09852190
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt020829042
IRS990/PYRevenuesLessExpensesAmt04322156
IRS990/PYSalariesCompEmpBnftPaidAmt07073863
IRS990/PYTotalExpensesAmt016926053
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt021248209
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt04160307
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt011420594
IRS990/ReconcilationRevenueExpnssAmt09257953
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt071113336
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt080458660
IRS990/SavingsAndTempCashInvstGrp/BOYAmt035292734
IRS990/SavingsAndTempCashInvstGrp/EOYAmt091257003
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt06954987
IRS990ScheduleD/BuildingsGrp/DepreciationAmt07716327
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt014671314
IRS990ScheduleD/EquipmentGrp/BookValueAmt02693388
IRS990ScheduleD/EquipmentGrp/DepreciationAmt09967621
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt012661009
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt04245400
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt04245400

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$914,349,587
Liabilities
$833,890,927
Net assets
$80,458,660
Revenue
$48,774,369
Expenses
$39,516,416
Net income
$9,257,953
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$4.82$5.05$0.22
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,784$1,652$131$95.9$91.8$4.07
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,829$1,701$128$76.9$70.0$6.84
2021Detailed filing. Detailed filing data is available for this year.$1,604$1,478$127$68.8$59.4$9.44
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,371$1,252$119$65.7$58.7$7.02
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,201$1,090$111$66.2$58.7$7.54
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,159$1,055$104$61.6$56.4$5.19
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,083$985$98.3$55.9$47.6$8.24
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,005$915$90.1$51.6$42.0$9.59
2015Detailed filing. Detailed filing data is available for this year.$914$834$80.5$48.8$39.5$9.26
2014Detailed filing. Detailed filing data is available for this year.$790$718$71.1$21.2$16.9$4.32