Civic Intelligence

Usc Credit Union

990 • Fiscal year 2017 • EIN 95-4110181

Jul 01, 2016 to Jun 30, 2017 • Filed on Nov 10, 2017

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

95th percentile

0.92x

Higher debt load relative to assets than 95% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

89th percentile

22.86x

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

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

71st percentile

17%

Higher net margin than 71% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

28th percentile

$318,744

Higher top officer pay than 28% of similar nonprofits.

Top officer pay equals 1.6% of source-year revenue.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Asset Growth

80th percentile

10%

Faster asset growth than 80% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

93rd percentile

17%

Faster revenue growth than 93% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets95th percentile

Assets

Flat

$494,188,625

Flat from 2017

Net Assets

Flat

$38,755,309

Flat from 2017

Liabilities

Flat

$455,433,316

Flat from 2017

Revenue And Expenses
Liabilities / Revenue89th percentileNet Margin71st percentile

Revenue

Flat

$19,918,533

Flat from 2017

Expenses

Flat

$16,518,581

Flat from 2017

Net Income

Flat

$3,399,952

Flat from 2017

Historical Trend

Balance Sheet Trend

Asset Growth80th 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 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

2017

Assets$494,188,625
Liabilities$455,433,316
Net Assets$38,755,309
Open 2017 Filing

Operations Trend

Revenue Growth93rd 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 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

2017

Revenue$19,918,533
Expenses$16,518,581
Net Income$3,399,952
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2016 to Jun 30, 2017
Signed
Nov 10, 2017
Return Version
2016v3.0
Gross Receipts
$48,984,030
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$343,630,459$406,743,183▲ $63,112,724
Rtn Earn Endowment Incm Other Fnds$35,475,759$38,755,309▲ $3,279,550
Investments Other Securities$35,495,518$29,343,204▼ $6,152,314
Cash and Non-Interest-Bearing Accounts$36,823,444$21,708,770▼ $15,114,674
Land, Buildings, and Equipment, Net$15,360,942$14,742,379▼ $618,563
Savings and Temporary Cash Investments$2,739,000--
Accounts Receivable$1,635,913$2,396,581▲ $760,668
Prepaid Expenses and Deferred Charges$917,987$1,063,607▲ $145,620
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$447,978,819$494,188,625▲ $46,209,806
Other Assets Total$11,375,556$18,190,901▲ $6,815,345
Liabilities
Other Liabilities$407,454,790$450,646,897▲ $43,192,107
Accounts Payable and Accrued Expenses$5,048,270$4,786,419▼ $261,851
Total Liabilities$412,503,060$455,433,316▲ $42,930,256
Net Assets / Fund Balance
Total Net Assets Fund Balance$35,475,759$38,755,309▲ $3,279,550
Total Liabilities and Net Assets / Fund Balance$447,978,819$494,188,625▲ $46,209,806

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$13,278,542$2,504,573$15,783,115
Equipment$514,600$5,441,501$5,956,101
Leasehold Improvements$157,815$1,046,385$1,204,200
Land$791,422-$791,422
Other Securities$27,896,604--
Compensation and Service Providers
Top Officer Pay28th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gary PerezCEOFT$269,070$49,674$318,744
Ludwig MunevarCFOFT$171,703$7,337$179,040
David Schauer-westCIOFT$139,300$37,770$177,070
Christine SchwarzVP, Real EstateFT$126,763$34,315$161,078
Irene RodriguezChief Service OfficerFT$127,230$23,306$150,536
Tere DenisonChief Marketing OfficerFT$135,961$14,528$150,489
Sandra GonzalezChief Administrative OfficerFT$118,632$23,225$141,857

Board Members and Trustees

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

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & AssociatesSupport Core System SoftwarePO BOX 609, Monett, MO 65708$430,596
Fox Sports College PropertiesUsc Athletics Sponsorship/radio AdsFILE 55437, Los Angeles, CA 90074$250,660
Corelogic Valuation SolutionsReal Estate Appraisal ValuationsPO BOX 202863, Dallas, TX 75320$199,085
Business Data INCGeneration And Mailing Of StatementsPO BOX 6081, Inglewood, CA 90312$190,603
Rapid7 LLCExternal Network Penetration TestingPO BOX 347377, Pittsburgh, PA 15251$174,163
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$17,499,455
Investment Income
$1,534,879
Other Revenue
$884,199
Change in Net Assets
$3,399,952

Audited Revenue Reconciliation

Revenue per Audited Statements
$19,918,533
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$263,804
Total Revenue per Audited Statements
$20,182,337
Total Revenue per Form 990
$19,918,533
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,727,307
Salaries, Compensation, and Employee Benefits$6,560,989
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,502,525
Other Employee Benefits---$1,944,805
Benefits to Members---$1,230,285
Current Officers, Directors, Trustees, and Key Employees---$1,113,659
Other Expenses---$948,108
Fees for Services Other---$890,889
Advertising---$721,634
Depreciation Depletion---$719,552
All Other Expenses---$719,321
Occupancy---$491,379
Office Expenses---$337,009
Insurance---$107,206
Fees for Services Legal---$89,127
Fees for Services Accounting---$65,698
Travel---$42,487
Conferences and Meetings---$10,469
Interest---$343
Total Functional Expenses$0$0$0$16,518,581

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$16,782,385
Expenses per Audited Statements$16,518,581
Total Expenses per Form 990$16,518,581
Expenses Not Reported on Form 990$263,804
Expenses Not Reported on Financial Statements$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$450,646,897
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 11B

“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
2017-11-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ludwig Munevar
Formed
1973
Legal Domicile
CA
Voting Board Members
13
Independent Board Members
13
Employees
81
Volunteers
13

Preparer

Firm
Cliftonlarsonallen Llp
Address
20 E THOMAS RD STE 2300, PHOENIX, AZ 85012
Preparer
Anne B Davison
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, 2017 and 2016.”

Raw XML AppendixShowing 400 of 611 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/PersonNm13GARY PEREZ
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IRS990/Form990PartVIISectionAGrp/PersonNm16IRENE RODRIGUEZ
IRS990/Form990PartVIISectionAGrp/PersonNm17CHRISTINE SCHWARZ
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IRS990/Form990PartVIISectionAGrp/PersonNm19SANDRA GONZALEZ
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IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE CHAIR
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IRS990/Form990PartVIISectionAGrp/TitleTxt3MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt7SUPERVISORY COMMITTEE MEMB
IRS990/Form990PartVIISectionAGrp/TitleTxt8MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9SUPERVISORY COMMITTEE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt10SUPERVISORY COMMITTEE MEMB
IRS990/Form990PartVIISectionAGrp/TitleTxt11MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12SUPERVISORY COMMITTEE MEMB
IRS990/Form990PartVIISectionAGrp/TitleTxt13CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt14CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt15CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt16CHIEF SERVICE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP, REAL ESTATE
IRS990/Form990PartVIISectionAGrp/TitleTxt18CHIEF MARKETING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt19CHIEF ADMINISTRATIVE OFFICER
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IRS990/MinutesOfCommitteesInd01
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IRS990/MoreThan5000KToOrgInd00
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IRS990/OfficeExpensesGrp/TotalAmt0337009
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
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IRS990/OtherEmployeeBenefitsGrp/TotalAmt01944805
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN AND
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS EXPENSES
IRS990/OtherExpensesGrp/Desc3BANK AND CREDIT CARD FE
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IRS990ScheduleD/EquipmentGrp/BookValueAmt0514600
IRS990ScheduleD/EquipmentGrp/DepreciationAmt05441501
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IRS990ScheduleD/ExpensesNotReportedAmt0263804
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IRS990ScheduleD/NetUnrealizedGainsInvstAmt0263804
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE ACCOUNTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt01446600
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt127896604
IRS990ScheduleD/OtherSecuritiesGrp/Desc0FEDERAL HOME LOAN BANK STOCK

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$494,188,625
Liabilities
$455,433,316
Net assets
$38,755,309
Revenue
$19,918,533
Expenses
$16,518,581
Net income
$3,399,952
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
2017Detailed filing. Detailed filing data is available for this year.$494$455$38.8$19.9$16.5$3.40
2017Summary only. Only limited summary data is available for this year.$494$455$38.8$19.9$16.5$3.40
2016Summary only. Only limited summary 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. 2017 filings • 501(c)14 • $250M-$1B nonprofits