Civic Intelligence

Matadors Community Credit Union

EIN 95-2276317 • 501(c)14 • Chatsworth, CA

View Organization Page

Profile

Provide low-cost financial services, high yielding deposits and low-rate loans to a member-owned cooperative.

20045 Prairie StreetChatsworth, CA 91311

www.matadors.org

Siviq Scores

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

Liabilities / Assets

36th percentile

0.89x

Higher debt load relative to assets than 36% of similar nonprofits.

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

Liabilities / Revenue

69th percentile

16.17x

Higher debt load relative to revenue than 69% of similar nonprofits.

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

Net Margin

28th percentile

5.0%

Higher net margin than 28% of similar nonprofits.

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

Top Officer Pay

35th percentile

$381,577

Higher top officer pay than 35% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

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

Asset Growth

70th percentile

5.6%

Faster asset growth than 70% of similar nonprofits.

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

Revenue Growth

66th percentile

17%

Faster revenue growth than 66% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets36th percentile

Assets

Up

$360,723,436

Up $19,197,868 (+5.6%) from 2023

Liabilities

Up

$321,008,794

Up $18,210,518 (+6.0%) from 2023

Net Assets

Up

$39,714,642

Up $987,350 (+2.5%) from 2023

Operations
Liabilities / Revenue69th percentileNet Margin28th percentile

Revenue

Up

$19,850,598

Up $2,858,273 (+17%) from 2023

Expenses

Up

$18,863,248

Up $4,090,677 (+28%) from 2023

Net Income

Down

$987,350

Down $1,232,404 (-56%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth70th percentile

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

$400M$300M$200M$100M$0Assets 2011: $129,467,584Liabilities 2011: $115,961,663Net Assets 2011: $13,505,9212011Assets 2012: $138,760,493Liabilities 2012: $125,179,979Net Assets 2012: $13,580,5142012Assets 2013: $148,342,656Liabilities 2013: $134,194,564Net Assets 2013: $14,148,0922013Assets 2014: $157,633,206Liabilities 2014: $141,336,946Net Assets 2014: $16,296,2602014Assets 2015: $178,724,431Liabilities 2015: $159,819,751Net Assets 2015: $18,904,6802015Assets 2016: $201,400,594Liabilities 2016: $180,064,523Net Assets 2016: $21,336,0712016Assets 2017: $224,747,209Liabilities 2017: $199,878,553Net Assets 2017: $24,868,6562017Assets 2018: $249,344,326Liabilities 2018: $222,443,273Net Assets 2018: $26,901,0532018Assets 2019: $261,959,566Liabilities 2019: $232,884,135Net Assets 2019: $29,075,4312019Assets 2020: $302,316,983Liabilities 2020: $271,232,339Net Assets 2020: $31,084,6442020Assets 2021: $328,564,724Liabilities 2021: $294,686,202Net Assets 2021: $33,878,5222021Assets 2022: $341,073,352Liabilities 2022: $304,303,347Net Assets 2022: $36,770,0052022Assets 2023: $341,525,568Liabilities 2023: $302,798,276Net Assets 2023: $38,727,2922023Assets 2024: $360,723,436Liabilities 2024: $321,008,794Net Assets 2024: $39,714,6422024

Highlighted filing

2024

Assets$360,723,436
Liabilities$321,008,794
Net Assets$39,714,642
Open 2024 Filing

Operations Trend

Revenue Growth66th percentile

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

$20M$15M$10M$5.0M$0Revenue 2011: $5,732,859Expenses 2011: $5,349,645Net Income 2011: $383,2142011Expenses 2012: $5,431,3772012Revenue 2013: $5,570,945Expenses 2013: $5,001,808Net Income 2013: $569,1372013Revenue 2014: $7,549,822Expenses 2014: $5,395,671Net Income 2014: $2,154,1512014Revenue 2015: $8,809,696Expenses 2015: $6,201,276Net Income 2015: $2,608,4202015Revenue 2016: $9,387,966Expenses 2016: $6,956,575Net Income 2016: $2,431,3912016Revenue 2017: $11,469,797Expenses 2017: $7,937,212Net Income 2017: $3,532,5852017Revenue 2018: $10,949,606Expenses 2018: $8,917,209Net Income 2018: $2,032,3972018Revenue 2019: $12,397,233Expenses 2019: $10,222,855Net Income 2019: $2,174,3782019Revenue 2020: $13,082,117Expenses 2020: $11,072,904Net Income 2020: $2,009,2132020Revenue 2021: $12,864,015Expenses 2021: $10,070,137Net Income 2021: $2,793,8782021Revenue 2022: $13,819,035Expenses 2022: $10,927,552Net Income 2022: $2,891,4832022Revenue 2023: $16,992,325Expenses 2023: $14,772,571Net Income 2023: $2,219,7542023Revenue 2024: $19,850,598Expenses 2024: $18,863,248Net Income 2024: $987,3502024

Highlighted filing

2024

Revenue$19,850,598
Expenses$18,863,248
Net Income$987,350
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$360,723,436
Liabilities
$321,008,794
Net assets
$39,714,642
Revenue
$19,850,598
Expenses
$18,863,248
Net income
$987,350
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$361$321$39.7$19.9$18.9$0.99
2023Summary only. Only limited summary data is available for this year.$342$303$38.7$17.0$14.8$2.22
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$341$304$36.8$13.8$10.9$2.89
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$329$295$33.9$12.9$10.1$2.79
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$302$271$31.1$13.1$11.1$2.01
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$262$233$29.1$12.4$10.2$2.17
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$249$222$26.9$10.9$8.92$2.03
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$225$200$24.9$11.5$7.94$3.53
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$201$180$21.3$9.39$6.96$2.43
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$179$160$18.9$8.81$6.20$2.61
2014Detailed filing. Detailed filing data is available for this year.$158$141$16.3$7.55$5.40$2.15
2013Detailed filing. Detailed filing data is available for this year.$148$134$14.1$5.57$5.00$0.57
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$139$125$13.6$5.43
2011Summary only. Only limited summary data is available for this year.$129$116$13.5$5.73$5.35$0.38
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.2
Gross Receipts
$19,850,598
Mission and Program Overview

Mission

Provide low-cost financial services, high yielding deposits and low-rate loans to a member-owned cooperative.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$273,684,926$271,979,186▼ $1,705,740
Savings and Temporary Cash Investments$28,511,623$45,112,932▲ $16,601,309
Rtn Earn Endowment Incm Other Fnds$38,727,292$39,714,642▲ $987,350
Prepaid Expenses and Deferred Charges$18,957,685$19,008,583▲ $50,898
Land, Buildings, and Equipment, Net$11,990,105$11,579,467▼ $410,638
Receivables From Officers Etc-$5,577,776-
Investments Program Related$3,680,938$2,940,726▼ $740,212
Cash and Non-Interest-Bearing Accounts$1,246,628$984,829▼ $261,799
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Other Securities-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$341,525,568$360,723,436▲ $19,197,868
Other Assets Total$3,453,663$3,539,937▲ $86,274
Liabilities
Other Liabilities$289,316,966$318,885,912▲ $29,568,946
Accounts Payable and Accrued Expenses$13,481,310$2,122,882▼ $11,358,428
Total Liabilities$302,798,276$321,008,794▲ $18,210,518
Net Assets / Fund Balance
Total Net Assets Fund Balance$38,727,292$39,714,642▲ $987,350
Total Liabilities and Net Assets / Fund Balance$341,525,568$360,723,436▲ $19,197,868

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,486,365$2,894,191$9,380,556
Other Land Buildings$1,123,277$2,345,300$3,468,577
Land$3,224,982-$3,224,982
Leasehold Improvements$744,843$105,505$850,348
Compensation and Service Providers
Top Officer Pay35th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Melissa BroadwellPresident & CEOFT$381,577$381,577
Steve RuehlenSVP Ops & ITFT$347,274$347,274
Jeff BallardCFO/Senior VP FFT$245,756$245,756
Annie KasbarVP HR & AdminFT$216,478$216,478
Hasmik KaragozianSenior Programmer/FT$182,213$182,213
Sandra FonsecaAVP OperationsFT$163,643$163,643
Adriana HuertaCompliance OfficerFT$146,065$146,065
Silvia SeguraLoan managerFT$135,484$135,484
Joseph CortezLending SupervisorFT$119,671$119,671

Board Members and Trustees

NameTitle
John KhoukazBoard Chair
Cheryl StonehamBoard ViceChair
Jacob MathewSC Vice Chair
Chuck AghoianBoard Director
Kevin BreardBoard Director
Stan MalinBoard Director
Steve JohnstonBoard Director
Tracy ClussBoard Director
Robert StonehamBoard Secretary
Phil MinahBoard Treasurer
Greg BedrossianSC member
Jennifer PatricioSC Secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$15,884,663
Investment Income
$2,289,171
Other Revenue
$1,676,764
Change in Net Assets
$987,350
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,708,665
Salaries, Compensation, and Employee Benefits$5,211,712
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$7,942,871
Other Salaries and Wages---$3,273,552
Current Officers, Directors, Trustees, and Key Employees---$1,938,160
Office Expenses---$1,329,669
Fees for Services Other---$1,230,206
Interest---$467,560
Occupancy---$445,149
Advertising---$100,667
Other Expenses---$45,076
Travel---$10,468
All Other Expenses---$8,740
Total Functional Expenses$0$0$0$18,863,248
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-$5,577,776-
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Deposits$204,068,483
Share Savings$64,260,064
Share Drafts$50,557,364
Rounding$1
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
Yes
Other officer compensation reviewed
Yes
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, Part VI, Section A, Line 6

“Majority of the members are students, alumni, athletic boosters, arts council members, faculty, and staff of California State University of Northridge, and those who reside, work, or worship in the Santa Clarita Valley, Simi Valley, and San Fernando Valley.”

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

“The organization's ceo notifies the board of directors that the return preparer has started work on form 990. The return preparer sends a draft of the form 990 to the ceo for review.after reviewing, she presents 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. The ceo then informs the board that form 990 has been officialy filed.”

Form 990, Part VI, Section B, Line 15A

“The CEO's compensation is determined and approved by the Board of Directors based upon compensation surveys and performance evaluations. The CEO approved top management salaries within salary pay ranges approved by the Compensation Committee each year.”

Form 990, Part VI, Section B, Line 15B

“The compensation is determined and approved by upper management based upon compensation surveys and performance evaluations, within salary pay ranges approved by the compensation committee each year.”

Form 990, Part VI, Section C, Line 19

“Financial statements are available to the public through written request. This is noted in the credit union lobby, on the annual report available in the lobby & on the annual report available via the credit union website.”

Filing and Contact Details

Filer

Filer Name
Matadors Community Credit Union
EIN
95-2276317
Phone
8189936328
Address
20045 Prairie Street, Chatsworth, CA 91311

Signing Officer

Name
Melissa Broadwell
Title
President & CEO
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Melissa Broadwell
Formed
1963
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
42
Volunteers
12

Preparer

Firm
Richards & Associates
Address
21520 YORBA LINDA BLVD G-516, YORBA LINDA, CA 92887
Preparer
Richards Associates CPAs
Phone
7142876713
Raw XML AppendixShowing 400 of 775 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/Form990PartVIISectionAGrp/PersonNm1Steve Ruehlen
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IRS990/Form990PartVIISectionAGrp/PersonNm7Silvia Segura
IRS990/Form990PartVIISectionAGrp/PersonNm8Joseph Cortez
IRS990/Form990PartVIISectionAGrp/PersonNm9Stan Malin
IRS990/Form990PartVIISectionAGrp/PersonNm10Kevin Breard
IRS990/Form990PartVIISectionAGrp/PersonNm11Phil Minah
IRS990/Form990PartVIISectionAGrp/PersonNm12Cheryl Stoneham
IRS990/Form990PartVIISectionAGrp/PersonNm13John Khoukaz
IRS990/Form990PartVIISectionAGrp/PersonNm14Chuck Aghoian
IRS990/Form990PartVIISectionAGrp/PersonNm15Steve Johnston
IRS990/Form990PartVIISectionAGrp/PersonNm16Robert Stoneham
IRS990/Form990PartVIISectionAGrp/PersonNm17Jacob Mathew
IRS990/Form990PartVIISectionAGrp/PersonNm18Tracy Cluss
IRS990/Form990PartVIISectionAGrp/PersonNm19Greg Bedrossian
IRS990/Form990PartVIISectionAGrp/PersonNm20Jennifer Patricio
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IRS990/Form990PartVIISectionAGrp/TitleTxt2CFO/Senior VP F
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IRS990/Form990PartVIISectionAGrp/TitleTxt10Board Director
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Other Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Rounding
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Share Drafts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Share Savings

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