Civic Intelligence

Usc Credit Union

990 • Fiscal year 2016 • EIN 95-4110181

Jul 01, 2015 to Jun 30, 2016 • Filed on Nov 08, 2016

Organization ProfileWWW.USCCREDITUNION.ORG
3720 S Flower St 4th FloorLos Angeles, CA 90089

(213) 821-7128

Siviq Scores

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

Liabilities / Assets

93rd percentile

0.92x

Higher debt load relative to assets than 93% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

89th percentile

24.28x

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

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

21st percentile

7.5%

Higher net margin than 21% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

26th percentile

$309,583

Higher top officer pay than 26% of similar nonprofits.

Top officer pay equals 1.8% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

75th percentile

9.0%

Faster asset growth than 75% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

61st percentile

8.9%

Faster revenue growth than 61% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Up

$447,978,819

Up $37,171,026 (+9.0%) from 2015

Net Assets

Up

$35,475,759

Up $1,289,127 (+3.8%) from 2015

Liabilities

Up

$412,503,060

Up $35,881,899 (+9.5%) from 2015

Revenue And Expenses
Liabilities / Revenue89th percentileNet Margin21st percentile

Revenue

Up

$16,990,886

Up $1,393,602 (+8.9%) from 2015

Expenses

Up

$15,713,774

Up $2,598,999 (+20%) from 2015

Net Income

Down

$1,277,112

Down $1,205,397 (-49%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth75th percentile

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

$800M$600M$400M$200M$0Assets 2010: $324,976,033Liabilities 2010: $300,907,432Net Assets 2010: $24,068,6012010Assets 2011: $329,966,132Liabilities 2011: $304,843,374Net Assets 2011: $25,122,7582011Assets 2012: $358,574,716Liabilities 2012: $331,189,583Net Assets 2012: $27,385,1332012Assets 2013: $370,351,610Liabilities 2013: $340,621,898Net Assets 2013: $29,729,7122013Assets 2014: $391,610,855Liabilities 2014: $359,887,190Net Assets 2014: $31,723,6652014Assets 2015: $410,807,793Liabilities 2015: $376,621,161Net Assets 2015: $34,186,6322015Assets 2016: $447,978,819Liabilities 2016: $412,503,060Net Assets 2016: $35,475,7592016Assets 2017: $494,188,625Liabilities 2017: $455,433,316Net Assets 2017: $38,755,3092017Assets 2018: $521,048,706Liabilities 2018: $477,526,328Net Assets 2018: $43,522,3782018Assets 2019: $570,309,713Liabilities 2019: $521,285,783Net Assets 2019: $49,023,9302019Assets 2020: $658,998,771Liabilities 2020: $606,592,651Net Assets 2020: $52,406,1202020Assets 2021: $740,787,156Liabilities 2021: $686,970,764Net Assets 2021: $53,816,3922021Assets 2022: $754,273,547Liabilities 2022: $710,521,770Net Assets 2022: $43,751,7772022Assets 2023: $741,676,675Liabilities 2023: $699,186,011Net Assets 2023: $42,490,6642023

Highlighted filing

2016

Assets$447,978,819
Liabilities$412,503,060
Net Assets$35,475,759
Open 2016 Filing

Operations Trend

Revenue Growth61st percentile

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

$40M$30M$20M$10M$0Expenses 2010: $15,184,4872010Expenses 2011: $13,980,2122011Expenses 2012: $13,211,9412012Revenue 2013: $14,886,821Expenses 2013: $12,542,236Net Income 2013: $2,344,5852013Revenue 2014: $14,423,450Expenses 2014: $12,429,497Net Income 2014: $1,993,9532014Revenue 2015: $15,597,284Expenses 2015: $13,114,775Net Income 2015: $2,482,5092015Revenue 2016: $16,990,886Expenses 2016: $15,713,774Net Income 2016: $1,277,1122016Revenue 2017: $19,918,533Expenses 2017: $16,518,581Net Income 2017: $3,399,9522017Revenue 2018: $24,131,162Expenses 2018: $19,430,356Net Income 2018: $4,700,8062018Revenue 2019: $25,756,718Expenses 2019: $20,292,680Net Income 2019: $5,464,0382019Revenue 2020: $25,520,330Expenses 2020: $22,753,484Net Income 2020: $2,766,8462020Revenue 2021: $22,826,821Expenses 2021: $20,426,302Net Income 2021: $2,400,5192021Revenue 2022: $21,672,643Expenses 2022: $20,738,848Net Income 2022: $933,7952022Revenue 2023: $30,542,999Expenses 2023: $26,026,442Net Income 2023: $4,516,5572023

Highlighted filing

2016

Revenue$16,990,886
Expenses$15,713,774
Net Income$1,277,112
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2015 to Jun 30, 2016
Signed
Nov 8, 2016
Return Version
2015v2.1
Gross Receipts
$74,760,723
Mission and Program Overview

Mission

To provide financial services to our core membership, that is the faculty, staff, students and alumni of the university of southern california.

To provide financial services to our core membership: faculty, staff, students, and alumni of usc.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$294,932,251$343,630,459▲ $48,698,208
Cash and Non-Interest-Bearing Accounts$48,324,771$36,823,444▼ $11,501,327
Investments Other Securities$38,562,996$35,495,518▼ $3,067,478
Rtn Earn Endowment Incm Other Fnds$34,186,632$35,475,759▲ $1,289,127
Land, Buildings, and Equipment, Net$15,711,012$15,360,942▼ $350,070
Savings and Temporary Cash Investments$500,000$2,739,000▲ $2,239,000
Accounts Receivable$2,719,658$1,635,913▼ $1,083,745
Prepaid Expenses and Deferred Charges$867,021$917,987▲ $50,966
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$410,807,793$447,978,819▲ $37,171,026
Other Assets Total$9,190,084$11,375,556▲ $2,185,472
Liabilities
Other Liabilities$371,968,878$407,454,790▲ $35,485,912
Accounts Payable and Accrued Expenses$4,652,283$5,048,270▲ $395,987
Total Liabilities$376,621,161$412,503,060▲ $35,881,899
Net Assets / Fund Balance
Total Net Assets Fund Balance$34,186,632$35,475,759▲ $1,289,127
Total Liabilities and Net Assets / Fund Balance$410,807,793$447,978,819▲ $37,171,026

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$13,532,151$2,250,964$15,783,115
Equipment$809,936$5,047,689$5,857,625
Leasehold Improvements$227,433$974,254$1,201,687
Land$791,422-$791,422
Other Securities$34,143,918--
Compensation and Service Providers
Top Officer Pay26th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gary PerezCEOFT$262,507$47,076$309,583
Ralph RamirezCLOFT$159,145$22,341$181,486
Ludwig MunevarCFOFT$165,099$3,245$168,344
David Schauer-westCIOFT$134,590$18,378$152,968
Irene RodriguezChief Service OfficerFT$125,970$24,708$150,678
Christine SchwarzVP, Real EstateFT$126,942$23,436$150,378
Tere DenisonChief Marketing OfficerFT$129,574$13,857$143,431
Sandra GonzalezChief Administrative OffieFT$113,300$22,659$135,959

Board Members and Trustees

NameTitle
Jerald JellisonBoard Chair
Julie NyquistBoard Vice Chair
Justin HoMember
Margaret TurnerMember
Peer FissMember
Richard MccormickMember
Samantha Smyth-paxsonMember
Lisa EscobarSecretary
Regina NordahlSupervisory Committee Chai
Kristen YoungSupervisory Committee Memb
Stan HendersonSupervisory Committee Memb
Teri AdamsSupervisory Committee Memb
Ted BudgeSupervisory Committee Member
Gavin GalimiTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & AssociatesSupport Core System And Other Products663 W HWY 60, Monett, MO 65708$354,550
Fox Sports College PropertiesUsc Athletics Sponsorship/radio AdsFILE 55437, Los Angeles, CA 90074$245,818
Helpmates Staffing ServicesTemporary Employees1055 W 7TH ST 3000, Los Angeles, CA 90017$242,034
Advantage Group StaffingTemporary Employees400 CORPORATE POINTE SUITE 300, Culver City, CA 90230$217,590
Cuna Mutual GroupInsurance Services5910 MINERAL POINT ROAD, Madison, WI 53705$195,738
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,440,773
Investment Income
$1,564,662
Other Revenue
$985,451
Change in Net Assets
$1,277,112

Audited Revenue Reconciliation

Revenue per Audited Statements
$16,990,886
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$16,990,886
Total Revenue per Form 990
$16,990,886
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,304,094
Salaries, Compensation, and Employee Benefits$6,409,680
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,197,058
Other Employee Benefits---$1,819,795
Current Officers, Directors, Trustees, and Key Employees---$1,392,827
Interest---$1,129,803
Other Expenses---$873,422
All Other Expenses---$752,107
Depreciation Depletion---$726,445
Advertising---$673,649
Fees for Services Other---$602,234
Occupancy---$454,694
Office Expenses---$346,949
Insurance---$104,980
Fees for Services Legal---$93,701
Travel---$74,623
Fees for Services Accounting---$51,879
Conferences and Meetings---$7,043
Total Functional Expenses$0$0$0$15,713,774

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$15,713,774
Total Expenses per Audited Statements$15,713,774
Total Expenses per Form 990$15,713,774
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$407,454,790
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization is a cooperative financial institution that has members.”

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

“Any member can nominate a member to the governing body. The nominees are voted on at the annual meeting which can be attended by any member.”

Form 990, Part VI, Section B, Line 11

“The ceo, cfo, and the controller review the form 990 and verify that it is comparable to actual results.”

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

“Employees and managers are required to report any violations of the policy to their supervisor and/or hr.”

Form 990, Part VI, Section B, Line 15

“The ceo's compensation is reviewed with the personnel committee (which consists of members of the board). The vp of hr prepares survey data for the committee regarding ceo pay and compensation from three sources and then the committee meets. The meetings are held quarterly. The executive team and management team compensation is approved by the ceo. Compensation for this team is also researched from three different sources and then a decision is made and approved by the ceo. This is done on an annual basis.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the organization's branches. Governing documents and the conflict of interest policy are available upon request.”

Filing and Contact Details

Filer

Filer Name
Usc Credit Union
EIN
95-4110181
Phone
2138217128
Address
3720 S FLOWER ST 4TH FLOOR, LOS ANGELES, CA 90089

Signing Officer

Name
Ludwig Munevar
Title
CFO
Phone
2138217128
Signed
2016-11-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ludwig Munevar
Formed
1973
Legal Domicile
CA
Voting Board Members
14
Independent Board Members
14
Employees
74
Volunteers
14

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 is responsible for the audited financial statements”

Financial Statement Notes

PART X, LINE 2:

“The credit union evaluated its tax positions and determined no uncertain tax positions exist as of june 30, 2016 and 2015.”

Raw XML AppendixShowing 400 of 617 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/PersonNm5RICHARD MCCORMICK
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IRS990/Form990PartVIISectionAGrp/PersonNm17DAVID SCHAUER-WEST
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IRS990/Form990PartVIISectionAGrp/PersonNm19IRENE RODRIGUEZ
IRS990/Form990PartVIISectionAGrp/PersonNm20CHRISTINE SCHWARZ
IRS990/Form990PartVIISectionAGrp/PersonNm21SANDRA GONZALEZ
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IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt8SUPERVISORY COMMITTEE MEMB
IRS990/Form990PartVIISectionAGrp/TitleTxt9SUPERVISORY COMMITTEE CHAI
IRS990/Form990PartVIISectionAGrp/TitleTxt10SUPERVISORY COMMITTEE MEMB
IRS990/Form990PartVIISectionAGrp/TitleTxt11SUPERVISORY COMMITTEE MEMB
IRS990/Form990PartVIISectionAGrp/TitleTxt12MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13SUPERVISORY COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt15CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt16CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt17CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt18CHIEF MARKETING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt19CHIEF SERVICE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP, REAL ESTATE
IRS990/Form990PartVIISectionAGrp/TitleTxt21CHIEF ADMINISTRATIVE OFFIE
IRS990/Form990ProvidedToGvrnBodyInd01
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IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/TotalAmt0104980
IRS990/InterestGrp/TotalAmt01129803
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IRS990/MembersOrStockholdersInd01
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IRS990/MinutesOfCommitteesInd01
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IRS990/MissionDesc0TO PROVIDE FINANCIAL SERVICES TO OUR CORE MEMBERSHIP, THAT IS THE FACULTY, STAFF, STUDENTS AND ALUMNI OF THE UNIVERSITY OF SOUTHERN CALIFORNIA.
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IRS990/OfficeExpensesGrp/TotalAmt0346949
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
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IRS990/OtherEmployeeBenefitsGrp/TotalAmt01819795
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN AND
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IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS EXPENSES
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IRS990/OtherExpensesGrp/TotalAmt11202500
IRS990/OtherExpensesGrp/TotalAmt2948661
IRS990/OtherExpensesGrp/TotalAmt3873422
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IRS990/ReportLandBuildingEquipmentInd01
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IRS990/ReportOtherLiabilitiesInd01
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IRS990/SavingsAndTempCashInvstGrp/BOYAmt0500000
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt02250964
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt015783115
IRS990ScheduleD/EquipmentGrp/BookValueAmt0809936
IRS990ScheduleD/EquipmentGrp/DepreciationAmt05047689
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt05857625
IRS990ScheduleD/ExpensesNotReportedAmt00

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$447,978,819
Liabilities
$412,503,060
Net assets
$35,475,759
Revenue
$16,990,886
Expenses
$15,713,774
Net income
$1,277,112
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$742$699$42.5$30.5$26.0$4.52
2022Summary only. Only limited summary data is available for this year.$754$711$43.8$21.7$20.7$0.93
2021Summary only. Only limited summary data is available for this year.$741$687$53.8$22.8$20.4$2.40
2020Summary only. Only limited summary data is available for this year.$659$607$52.4$25.5$22.8$2.77
2019Summary only. Only limited summary data is available for this year.$570$521$49.0$25.8$20.3$5.46
2018Summary only. Only limited summary data is available for this year.$521$478$43.5$24.1$19.4$4.70
2017Summary only. Only limited summary data is available for this year.$494$455$38.8$19.9$16.5$3.40
2016Detailed filing. Detailed filing data is available for this year.$448$413$35.5$17.0$15.7$1.28
2015Summary only. Only limited summary data is available for this year.$411$377$34.2$15.6$13.1$2.48
2014Summary only. Only limited summary data is available for this year.$392$360$31.7$14.4$12.4$1.99
2013Summary only. Only limited summary data is available for this year.$370$341$29.7$14.9$12.5$2.34
2012Summary only. Only limited summary data is available for this year.$359$331$27.4$13.2
2011Summary only. Only limited summary data is available for this year.$330$305$25.1$14.0
2010Summary only. Only limited summary data is available for this year.$325$301$24.1$15.2
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2016 filings • 501(c)14 • $250M-$1B nonprofits