Civic Intelligence

North County Credit Union

EIN 95-3597368 • 501(c)14 • San Diego, CA

View Organization Page

Profile

Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of North County Credit Union.

PO Box 289014San Diego, CA 92198

www.northcountycu.org

Siviq Scores

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

Liabilities / Assets

87th percentile

0.92x

Higher debt load relative to assets than 87% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

89th percentile

24.32x

Higher debt load relative to revenue than 89% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

21st percentile

3.1%

Higher net margin than 21% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

37th percentile

$135,442

Higher top officer pay than 37% of similar nonprofits.

Top officer pay equals 5.6% of source-year revenue.

$50M-$100M nonprofits • Source year 2016

Asset Growth

91st percentile

9.8%

Faster asset growth than 91% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

51st percentile

13%

Faster revenue growth than 51% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets87th percentile

Assets

Up

$71,407,607

Up $6,367,500 (+9.8%) from 2023

Liabilities

Up

$65,476,767

Up $5,368,459 (+8.9%) from 2023

Net Assets

Up

$5,930,840

Up $999,041 (+20%) from 2023

Operations
Liabilities / Revenue89th percentileNet Margin21st percentile

Revenue

Up

$2,692,308

Up $304,818 (+13%) from 2023

Expenses

Up

$2,610,156

Up $260,514 (+11%) from 2023

Net Income

Up

$82,152

Up $44,304 (+117%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth91st percentile

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

$80M$60M$40M$20M$0Assets 2010: $53,025,000Liabilities 2010: $49,078,781Net Assets 2010: $3,946,2192010Assets 2011: $56,500,415Liabilities 2011: $52,297,148Net Assets 2011: $4,203,2672011Assets 2012: $58,383,093Liabilities 2012: $53,747,104Net Assets 2012: $4,635,9892012Assets 2013: $58,121,452Liabilities 2013: $53,430,049Net Assets 2013: $4,691,4032013Assets 2014: $59,272,110Liabilities 2014: $54,260,688Net Assets 2014: $5,011,4222014Assets 2015: $66,629,004Liabilities 2015: $61,158,122Net Assets 2015: $5,470,8822015Assets 2016: $67,332,239Liabilities 2016: $61,900,989Net Assets 2016: $5,431,2502016Assets 2017: $65,301,460Liabilities 2017: $60,027,143Net Assets 2017: $5,274,3172017Assets 2018: $65,365,552Liabilities 2018: $60,359,314Net Assets 2018: $5,006,2382018Assets 2019: $66,776,007Liabilities 2019: $61,569,722Net Assets 2019: $5,206,2852019Assets 2020: $67,451,228Liabilities 2020: $62,248,980Net Assets 2020: $5,202,2482020Assets 2021: $77,861,263Liabilities 2021: $72,269,039Net Assets 2021: $5,592,2242021Assets 2022: $72,994,364Liabilities 2022: $68,819,217Net Assets 2022: $4,175,1472022Assets 2023: $65,040,107Liabilities 2023: $60,108,308Net Assets 2023: $4,931,7992023Assets 2024: $71,407,607Liabilities 2024: $65,476,767Net Assets 2024: $5,930,8402024

Highlighted filing

2024

Assets$71,407,607
Liabilities$65,476,767
Net Assets$5,930,840
Open 2024 Filing

Operations Trend

Revenue Growth51st percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,656,2832010Expenses 2011: $2,318,4862011Expenses 2012: $1,905,7442012Revenue 2013: $2,345,219Expenses 2013: $1,986,224Net Income 2013: $358,9952013Revenue 2014: $2,295,319Expenses 2014: $2,005,396Net Income 2014: $289,9232014Revenue 2015: $2,241,064Expenses 2015: $2,123,716Net Income 2015: $117,3482015Revenue 2016: $2,401,967Expenses 2016: $2,383,156Net Income 2016: $18,8112016Revenue 2017: $2,483,744Expenses 2017: $2,479,877Net Income 2017: $3,8672017Revenue 2018: $2,604,583Expenses 2018: $2,665,123Net Income 2018: -$60,5402018Revenue 2019: $2,637,919Expenses 2019: $2,642,983Net Income 2019: -$5,0642019Revenue 2020: $2,568,799Expenses 2020: $2,506,557Net Income 2020: $62,2422020Revenue 2021: $2,120,894Expenses 2021: $2,073,758Net Income 2021: $47,1362021Revenue 2022: $2,506,815Expenses 2022: $2,189,659Net Income 2022: $317,1562022Revenue 2023: $2,387,490Expenses 2023: $2,349,642Net Income 2023: $37,8482023Revenue 2024: $2,692,308Expenses 2024: $2,610,156Net Income 2024: $82,1522024

Highlighted filing

2024

Revenue$2,692,308
Expenses$2,610,156
Net Income$82,152
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$71,407,607
Liabilities
$65,476,767
Net assets
$5,930,840
Revenue
$2,692,308
Expenses
$2,610,156
Net income
$82,152
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$71.4$65.5$5.93$2.69$2.61$0.08
2023Detailed filing. Detailed filing data is available for this year.$65.0$60.1$4.93$2.39$2.35$0.04
2022Detailed filing. Detailed filing data is available for this year.$73.0$68.8$4.18$2.51$2.19$0.32
2021Detailed filing. Detailed filing data is available for this year.$77.9$72.3$5.59$2.12$2.07$0.05
2020Detailed filing. Detailed filing data is available for this year.$67.5$62.2$5.20$2.57$2.51$0.06
2019Detailed filing. Detailed filing data is available for this year.$66.8$61.6$5.21$2.64$2.64$0.01
2018Detailed filing. Detailed filing data is available for this year.$65.4$60.4$5.01$2.60$2.67$0.06
2017Detailed filing. Detailed filing data is available for this year.$65.3$60.0$5.27$2.48$2.48$0.00
2016Detailed filing. Detailed filing data is available for this year.$67.3$61.9$5.43$2.40$2.38$0.02
2015Detailed filing. Detailed filing data is available for this year.$66.6$61.2$5.47$2.24$2.12$0.12
2014Detailed filing. Detailed filing data is available for this year.$59.3$54.3$5.01$2.30$2.01$0.29
2013Detailed filing. Detailed filing data is available for this year.$58.1$53.4$4.69$2.35$1.99$0.36
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.4$53.7$4.64$1.91
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.5$52.3$4.20$2.32
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.0$49.1$3.95$2.66
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
$2,692,308
Mission and Program Overview

Mission

Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of North County Credit Union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$32,251,596$35,176,038▲ $2,924,442
Other Notes and Loans Receivable, Net$25,488,724$23,724,098▼ $1,764,626
Savings and Temporary Cash Investments$1,615,109$5,996,200▲ $4,381,091
Rtn Earn Endowment Incm Other Fnds$4,931,799$5,930,840▲ $999,041
Land, Buildings, and Equipment, Net$631,126$582,427▼ $48,699
Cash and Non-Interest-Bearing Accounts$347,497$279,416▼ $68,081
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$65,040,107$71,407,607▲ $6,367,500
Other Assets Total$4,706,055$5,649,428▲ $943,373
Liabilities
Other Liabilities$59,639,502$64,815,835▲ $5,176,333
Accounts Payable and Accrued Expenses$468,806$660,932▲ $192,126
Total Liabilities$60,108,308$65,476,767▲ $5,368,459
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,931,799$5,930,840▲ $999,041
Total Liabilities and Net Assets / Fund Balance$65,040,107$71,407,607▲ $6,367,500

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$266,622$674,327$940,949
Leasehold Improvements$61,932$193,830$255,762
Land$220,000-$220,000
Equipment$7,565$115,162$122,727
Other Land Buildings$26,308$92,296$118,604
Other Assets Org$5,067,433--
Compensation and Service Providers
Top Officer Pay37th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Gary SiskCEOFT$160,640$160,640
Allen ArvizuCFOFT$135,339$135,339
Gary WilliamsCIOFT$108,028$108,028

Board Members and Trustees

NameTitle
Chris RussoBoard Chairman
Gerald MikasDirector
Glenn HachadorianDirector
Mike DanileskiDirector
Torrin JamesDirector
Judy BoylesSecretary
Louann SchlossTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,245,913
Investment Income
$997,984
Other Revenue
$448,411
Change in Net Assets
$82,152
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,032,425
Salaries, Compensation, and Employee Benefits$802,002
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$775,729
Fees for Services Other---$534,437
Current Officers, Directors, Trustees, and Key Employees---$404,007
Other Salaries and Wages---$397,995
Office Expenses---$217,513
Occupancy---$117,888
Advertising---$29,828
Other Expenses---$11,326
Travel---$6,729
All Other Expenses---$5,138
Interest---$2,772
Total Functional Expenses$0$0$0$2,610,156
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$21,672,694
Share Certificates$17,977,967
Share Drafts$15,216,983
IRA/KEOGH Accounts$5,080,337
Money Market Shares$4,867,854
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Members consists mainly of individuals who live, work, study, or worship in Inland North County in San Diego County, California and their qualifying family members”

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

“Members can elect one or more members of the Board.”

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

“Decisions of the governing body are not subject to approval by members but members have the power to vote in a different board at each annual meeting.”

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

“The return preparer e-mails a draft of the form 990 to a designated officer and/or ceo of the credit union for review. The designated officer and/or ceo sends a copy to the board of director (s). 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 theorganization's ceo or other designated individual(s).”

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

“Review by the Board”

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

“Annual Review”

Form 990, Part VI, Section C, Line 19

“Governing documents are provided upon request.”

Filing and Contact Details

Filer

Filer Name
North County Credit Union
EIN
95-3597368
Phone
8584871880
Address
PO Box 289014, San Diego, CA 92198

Signing Officer

Name
Gary Sisk
Title
CEO
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gary Sisk
Formed
1953
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
8
Volunteers
12

Preparer

Firm
Richards & Associates
Address
21520 YORBA LINDA BLVD G-516, YORBA LINDA, CA 92887
Preparer
Richards Associates CPAs
Phone
7142876713
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Accumulated Unrealized Gains on Available for Sale Debt Secu = $415322”

Form 990, Part XI, Line 9

“Increase in other comprehensive income = $501567”

Raw XML AppendixShowing 400 of 433 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0468806
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0660932
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of North County Credit Union.
IRS990/AdvertisingGrp/TotalAmt029828
IRS990/AllOtherExpensesGrp/TotalAmt05138
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt0775729
IRS990/BooksInCareOfDetail/PersonNm0Gary Sisk
IRS990/BooksInCareOfDetail/PhoneNum08584871880
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO Box 289014
IRS990/BooksInCareOfDetail/USAddress/CityNm0San Diego
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0921989014
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0347497
IRS990/CashNonInterestBearingGrp/EOYAmt0279416
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0404007
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt0775729
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0997984
IRS990/CYOtherExpensesAmt01032425
IRS990/CYOtherRevenueAmt0448411
IRS990/CYProgramServiceRevenueAmt01245913
IRS990/CYRevenuesLessExpensesAmt082152
IRS990/CYSalariesCompEmpBnftPaidAmt0802002
IRS990/CYTotalExpensesAmt02610156
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02692308
IRS990/DAFExcessBusinessHoldingsInd0false
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0Provided deposit and loan accounts to 2,663 members. Provided low cost source of credit and low cost financial services to our members. Provided source of member savings and checking account needs.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt08
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt0534437
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt90.50
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
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/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/PersonNm0Gary Sisk
IRS990/Form990PartVIISectionAGrp/PersonNm1Allen Arvizu
IRS990/Form990PartVIISectionAGrp/PersonNm2Gary Williams
IRS990/Form990PartVIISectionAGrp/PersonNm3Gerald Mikas
IRS990/Form990PartVIISectionAGrp/PersonNm4Mike Danileski
IRS990/Form990PartVIISectionAGrp/PersonNm5Torrin James
IRS990/Form990PartVIISectionAGrp/PersonNm6Glenn Hachadorian
IRS990/Form990PartVIISectionAGrp/PersonNm7Judy Boyles
IRS990/Form990PartVIISectionAGrp/PersonNm8Chris Russo
IRS990/Form990PartVIISectionAGrp/PersonNm9Louann Schloss
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0160640
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1135339
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2108028
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
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/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt2CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt9Treasurer
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0true
IRS990/FormationYr01953
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt02692308
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt02772
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0997984
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0997984
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt032251596
IRS990/InvestmentsProgramRelatedGrp/EOYAmt035176038
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt01
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01075615
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0631126
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0582427
IRS990/LandBldgEquipCostOrOtherBssAmt01658042
IRS990/LegalDomicileStateCd0CA
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt05812
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt05812
IRS990/MissionDesc0Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of North County Credit Union.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt04931799
IRS990/NetAssetsOrFundBalancesEOYAmt05930840
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0117888
IRS990/OfficeExpensesGrp/TotalAmt0217513
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04706055
IRS990/OtherAssetsTotalGrp/EOYAmt05649428
IRS990/OtherChangesInNetAssetsAmt0916889
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Misc Operating Expense
IRS990/OtherExpensesGrp/Desc1Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc2Loan servicing
IRS990/OtherExpensesGrp/Desc3Operating fees
IRS990/OtherExpensesGrp/TotalAmt041234
IRS990/OtherExpensesGrp/TotalAmt134000
IRS990/OtherExpensesGrp/TotalAmt231560
IRS990/OtherExpensesGrp/TotalAmt311326
IRS990/OtherLiabilitiesGrp/BOYAmt059639502
IRS990/OtherLiabilitiesGrp/EOYAmt064815835
IRS990/OtherRevenueMiscGrp/Desc0FEE INCOME
IRS990/OtherRevenueMiscGrp/Desc1Other non-interest income
IRS990/OtherRevenueMiscGrp/Desc2Other Operating Income
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt085068
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1241193
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2108889
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt085068
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1248642
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2108889
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt07449
IRS990/OtherRevenueTotalAmt0448411
IRS990/OtherSalariesAndWagesGrp/TotalAmt0397995
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt025488724
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt023724098
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0Gary Sisk
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01245913
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01245913
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0423458
IRS990/PYInvestmentIncomeAmt0740329
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0964090
IRS990/PYOtherRevenueAmt0416409
IRS990/PYProgramServiceRevenueAmt01230752
IRS990/PYRevenuesLessExpensesAmt037848
IRS990/PYSalariesCompEmpBnftPaidAmt0962094
IRS990/PYTotalExpensesAmt02349642
IRS990/PYTotalRevenueAmt02387490
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt082152
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04931799
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05930840
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01615109
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05996200
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0266622
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0674327
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0940949
IRS990ScheduleD/EquipmentGrp/BookValueAmt07565
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0115162
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0122727
IRS990ScheduleD/LandGrp/BookValueAmt0220000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0220000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt061932
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0193830
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0255762
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0-3001
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1584996
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt25067433
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0Adjustment
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUA Share Insurance Capitalization Depo
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2other assets
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt026308
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt092296
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0118604
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt05080337
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt14867854
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt221672694
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt317977967
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt415216983
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0IRA/KEOGH Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Money Market Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Regular Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Share Certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Share Drafts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0582427
IRS990ScheduleD/TotalBookValueOtherAssetsAmt05649428
IRS990ScheduleD/TotalBookValueProgramRltdAmt035176038
IRS990ScheduleD/TotalLiabilityAmt064815835
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0160640
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Gary Sisk
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0160640
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Members consists mainly of individuals who live, work, study, or worship in Inland North County in San Diego County, California and their qualifying family members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members can elect one or more members of the Board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Decisions of the governing body are not subject to approval by members but members have the power to vote in a different board at each annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE RETURN PREPARER E-MAILS A DRAFT OF THE FORM 990 TO A DESIGNATED OFFICER AND/OR CEO OF THE CREDIT UNION FOR REVIEW. THE DESIGNATED OFFICER AND/OR CEO SENDS A COPY TO THE BOARD OF DIRECTOR (S). 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 THEORGANIZATION'S CEO OR OTHER DESIGNATED INDIVIDUAL(S).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Review by the Board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Annual Review
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Governing documents are provided upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Accumulated Unrealized Gains on Available for Sale Debt Secu = $415322
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Increase in other comprehensive income = $501567
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part XI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt065040107
IRS990/TotalAssetsEOYAmt071407607
IRS990/TotalAssetsGrp/BOYAmt065040107
IRS990/TotalAssetsGrp/EOYAmt071407607
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02610156
IRS990/TotalGrossUBIAmt07449
IRS990/TotalLiabilitiesBOYAmt060108308
IRS990/TotalLiabilitiesEOYAmt065476767
IRS990/TotalLiabilitiesGrp/BOYAmt060108308
IRS990/TotalLiabilitiesGrp/EOYAmt065476767
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04931799
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05930840
IRS990/TotalProgramServiceRevenueAmt01245913
IRS990/TotalReportableCompFromOrgAmt0404007
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02684859
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02692308
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt07449
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt065040107
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt071407607
IRS990/TravelGrp/TotalAmt06729
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO Box 289014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.