Civic Intelligence

North County Credit Union

990 • Fiscal year 2017 • EIN 95-3597368

Jan 01, 2017 to Dec 31, 2017 • Filed on May 14, 2018

Organization Profilewww.northcountycu.org

View Organization Page

PO Box 289014San Diego, CA 92198

(858) 487-1880

Siviq Scores

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

Liabilities / Assets

90th percentile

0.92x

Higher debt load relative to assets than 90% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Liabilities / Revenue

85th percentile

24.17x

Higher debt load relative to revenue than 85% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Net Margin

14th percentile

0.2%

Higher net margin than 14% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Top Officer Pay

55th percentile

$143,495

Higher top officer pay than 55% of similar nonprofits.

Top officer pay equals 5.8% of source-year revenue.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Asset Growth

7th percentile

-3.0%

Faster asset growth than 7% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Revenue Growth

34th percentile

3.4%

Faster revenue growth than 34% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets90th percentile

Assets

Down

$65,301,460

Down $2,030,779 (-3.0%) from 2016

Net Assets

Down

$5,274,317

Down $156,933 (-2.9%) from 2016

Liabilities

Down

$60,027,143

Down $1,873,846 (-3.0%) from 2016

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin14th percentile

Revenue

Up

$2,483,744

Up $81,777 (+3.4%) from 2016

Expenses

Up

$2,479,877

Up $96,721 (+4.1%) from 2016

Net Income

Down

$3,867

Down $14,944 (-79%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth7th percentile

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

$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

2017

Assets$65,301,460
Liabilities$60,027,143
Net Assets$5,274,317
Open 2017 Filing

Operations Trend

Revenue Growth34th percentile

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

2017

Revenue$2,483,744
Expenses$2,479,877
Net Income$3,867
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 14, 2018
Return Version
2017v2.2
Gross Receipts
$2,483,744
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
Other Notes and Loans Receivable, Net$40,635,716$46,370,614▲ $5,734,898
Investments Program Related$20,496,585$13,949,899▼ $6,546,686
Rtn Earn Endowment Incm Other Fnds$5,431,250$5,274,317▼ $156,933
Savings and Temporary Cash Investments$3,390,568$1,729,748▼ $1,660,820
Land, Buildings, and Equipment, Net$1,009,419$951,834▼ $57,585
Cash and Non-Interest-Bearing Accounts$590,556$633,013▲ $42,457
Intangible Assets$23,735$11,868▼ $11,867
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-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$67,332,239$65,301,460▼ $2,030,779
Other Assets Total$1,185,660$1,654,484▲ $468,824
Liabilities
Other Liabilities$61,483,173$59,018,282▼ $2,464,891
Accounts Payable and Accrued Expenses$417,816$1,008,861▲ $591,045
Total Liabilities$61,900,989$60,027,143▼ $1,873,846
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,431,250$5,274,317▼ $156,933
Total Liabilities and Net Assets / Fund Balance$67,332,239$65,301,460▼ $2,030,779

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$421,204$478,668$899,872
Equipment$120,052$222,548$342,600
Leasehold Improvements$190,578$65,184$255,762
Land$220,000-$220,000
Compensation and Service Providers
Top Officer Pay55th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gary SiskCEOFT$125,945$17,550$143,495
Allen ArvizuCFOFT$100,987$9,200$110,187
Garry WilliamsVice PresidentFT$84,607$1,300$85,907

Board Members and Trustees

NameTitle
Gerald MikasChairman
Eugene KanalyVice Chairman
Glen HachadorianDirector
John McgoughDirector
Keith RussoDirector
Eileen SparksSC member
Steve MoralesSC member
Torrin JonesSC member
Virginia ClarkSC member
Judith HillermanSecretary
Louann SchlossTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Rebecca Cardwell-175 Langford PL, Charlottesville, VA 22903$36,470
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,835,853
Investment Income
$306,415
Other Revenue
$341,476
Change in Net Assets
$3,867
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,218,572
Salaries, Compensation, and Employee Benefits$1,031,625
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$692,036
Fees for Services Other---$506,403
Current Officers, Directors, Trustees, and Key Employees---$339,589
Benefits to Members---$229,680
Office Expenses---$215,187
Occupancy---$116,127
Advertising---$71,824
Travel---$17,613
Other Expenses---$17,488
All Other Expenses---$4,132
Interest---$3,579
Total Functional Expenses$0$0$0$2,479,877
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$20,704,042
Share Drafts$12,002,874
Money Market Shares$10,450,131
Share Certificates$9,936,549
IRA/KEOGH Accounts$5,924,685
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 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, Line 6: Explanation of Classes of Members or Shareholder

“Members”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

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

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“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, Line 11B: Form 990 Review Process

“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, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“Review by the Board”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Annual Review”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“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
2018-05-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gary Sisk
Formed
1953
Legal Domicile
CA
Voting Board Members
10
Independent Board Members
10
Employees
14
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

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Unrealized loss on defined benefit retirement plan = -$37898”

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IRS990/MissionDesc0Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of North County Credit Union.
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IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt17433
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IRS990/PrincipalOfficerNm0Gary Sisk
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Regular Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Rounding
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Share Certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5Share Drafts
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Auto Equity
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Gary W Williams
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Members
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/ExplanationTxt7Unrealized loss on defined benefit retirement plan = -$37898
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Other Changes In Net Assets Or Fund Balances - Other Decreases
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IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$65,301,460
Liabilities
$60,027,143
Net assets
$5,274,317
Revenue
$2,483,744
Expenses
$2,479,877
Net income
$3,867
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