Liabilities / Assets
19th percentile
Higher debt load relative to assets than 19% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.83x
Liabilities / Revenue
97th percentile
Higher debt load relative to revenue than 97% of similar nonprofits.
Net Margin
64th percentile
Higher net margin than 64% of similar nonprofits.
Top Officer Pay
58th percentile
Higher top officer pay than 58% of similar nonprofits.
Top officer pay equals 12.9% of source-year revenue.
Asset Growth
23rd percentile
Faster asset growth than 23% of similar nonprofits.
Revenue Growth
22nd percentile
Faster revenue growth than 22% of similar nonprofits.
Balance Sheet
Assets
Down$33,648,296
Down $603,761 (-1.8%) from 2013
Net Assets
Up$5,563,761
Up $87,238 (+1.6%) from 2013
Liabilities
Down$28,084,535
Down $690,999 (-2.4%) from 2013
Revenue And Expenses
Revenue
Down$794,538
Down $41,487 (-5.0%) from 2013
Expenses
Down$711,366
Down $42,418 (-5.6%) from 2013
Net Income
Up$83,172
Up $931 (+1.1%) from 2013
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2014 to Dec 31, 2014
- Signed
- May 8, 2015
- Return Version
- 2014v5.0
- Gross Receipts
- $794,538
Mission and Program Overview
Mission
Non-profit, State-Chartered, Natural Person Credit Union. Provide competitive financial services to the members of SLO Credit Union.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments in Publicly Traded Securities | $26,840,338 | $27,866,782 | ▲ $1,026,444 |
| Rtn Earn Endowment Incm Other Fnds | $5,476,523 | $5,563,761 | ▲ $87,238 |
| Other Notes and Loans Receivable, Net | $3,387,942 | $3,116,714 | ▼ $271,228 |
| Savings and Temporary Cash Investments | $3,090,841 | $1,743,161 | ▼ $1,347,680 |
| Land, Buildings, and Equipment, Net | $433,655 | $400,079 | ▼ $33,576 |
| Cash and Non-Interest-Bearing Accounts | $83,243 | $100,757 | ▲ $17,514 |
| Accounts Receivable | - | $0 | - |
| Pledges and Grants Receivable | - | $0 | - |
| Receivable From Disqualified Prsn | - | $0 | - |
| Receivables From Officers Etc | - | $0 | - |
| Investments Other Securities | - | $0 | - |
| Investments Program Related | - | $0 | - |
| Intangible Assets | - | $0 | - |
| Inventories for Sale or Use | - | $0 | - |
| Prepaid Expenses and Deferred Charges | - | $0 | - |
| Total Assets | $34,252,057 | $33,648,296 | ▼ $603,761 |
| Other Assets Total | $416,038 | $420,803 | ▲ $4,765 |
| Liabilities | |||
| Other Liabilities | $28,727,130 | $28,033,093 | ▼ $694,037 |
| Accounts Payable and Accrued Expenses | $48,404 | $51,442 | ▲ $3,038 |
| Total Liabilities | $28,775,534 | $28,084,535 | ▼ $690,999 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $5,476,523 | $5,563,761 | ▲ $87,238 |
| Total Liabilities and Net Assets / Fund Balance | $34,252,057 | $33,648,296 | ▼ $603,761 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $176,779 | $341,971 | $518,750 |
| Land | $215,000 | - | $215,000 |
| Other Land Buildings | $8,300 | $91,950 | $100,250 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Suzanne Leedale | CEO | FT | $102,471 | $102,471 |
Board Members and Trustees
| Name | Title |
|---|---|
| John Maddux | Board Chairman |
| Fran Edwards | Vice Chairman |
| Carl Nelson | Board Member |
| David Romero | Board Member |
| Edward Laski | Board Member |
| Steve Senet | Board Member |
| Russell Haynes | Board Secretary |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $200,273
- Investment Income
- $562,989
- Other Revenue
- $31,276
- Change in Net Assets
- $83,172
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $794,538
- Total Revenue per Audited Statements
- $794,538
- Total Revenue per Form 990
- $794,538
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $328,586 |
| Salaries, Compensation, and Employee Benefits | $314,952 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $212,481 |
| Office Expenses | - | - | - | $142,522 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $102,471 |
| Fees for Services Other | - | - | - | $71,853 |
| Benefits to Members | - | - | - | $67,828 |
| Occupancy | - | - | - | $46,400 |
| Advertising | - | - | - | $37,701 |
| Travel | - | - | - | $6,703 |
| Other Expenses | - | - | - | $5,600 |
| Total Functional Expenses | $0 | $0 | $0 | $711,366 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $711,366 |
| Total Expenses per Audited Statements | $711,366 |
| Total Expenses per Form 990 | $711,366 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Lobbying activity
- No
- Subject to proxy tax
- No
Insider Transactions and Loans
Loans and Receivables
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Disqualified Persons | - | $0 | - |
| Receivables from Officers, Directors, Trustees, and Key Employees | - | $0 | - |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Regular Shares | $15,207,881 |
| Share Certificates | $9,713,253 |
| IRA/KEOGH Accounts | $1,982,272 |
| Share Drafts | $1,125,567 |
| All Other Shares and Deposits | $4,120 |
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 are entitled to vote in the annual elections of the Board of Directors and on other corporate matters.”
Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders
“Members are entitled to vote in the annual elections of the Board of Directors and on other corporate matters.”
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
“The salary for the ceo compensation for the first four years is set within the ceo contract. The following was taken into consideration by the human resource committee in developing the ceo compensation: industry salary survey, asset size of the credit union, experience level of the employee, cost of living for the geographic area, and the credit union's ability to pay the salary. Any succeeding salary increases are at the discretion of the board of directors based on performance as documented in the annual performance evaluation.”
Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees
“The following was taken into consideration by the human resource committee in developing each employee compensation: industry salary survey, asset size of the credit union, experience level of the employee, cost of living for the geographic area, and the credit union's ability to pay the salary. Any succeeding salary increases are at the discretion of the board of directors based on performance as documented in the annual performance evaluation.”
Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
“Governing documents and conflict of interest are available upon request. Financial statements are accessible online via www.ncua.gov and upon request.”
Filing and Contact Details
Filer
- Filer Name
- SLO Credit Union
- EIN
- 95-6062634
- Phone
- 8055435839
- Address
- 1220 Osos Street, San Luis Obispo, CA 93401
Signing Officer
- Name
- Suzanne Leedale
- Title
- CEO
- Signed
- 2015-05-08
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Suzanne Leedale
- Formed
- 1953
- Legal Domicile
- CA
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 5
- Volunteers
- 10
Preparer
- Firm
- Richards and Associates Cpas
- Address
- 21520 YORBA LINDA BLVD G-516, YORBA LINDA, CA 92887-3762
- Preparer
- Michael Richards
- Phone
- 8775720473
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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/OfficerMailingAddressInd | 0 | false |
| IRS990/OnBehalfOfIssuerInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OrgFiledInLieuOfForm1041Ind | 0 | false |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 416038 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 420803 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/Desc | 0 | Misc. Operating Expense |
| IRS990/OtherExpensesGrp/Desc | 1 | Operating Fees |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 17807 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 5600 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 28727130 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 28033093 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | Fee Income |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | Gain on Investment |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | Other Operating Income |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 27271 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 3381 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 2 | 624 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 27271 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 3381 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | 624 |
| IRS990/OtherRevenueTotalAmt | 0 | 31276 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 212481 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 3387942 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 3116714 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | false |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 0 |
| IRS990/PrincipalOfficerNm | 0 | Suzanne Leedale |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest on Loans |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 200273 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 200273 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 89038 |
| IRS990/PYExcessBenefitTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 570095 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 362014 |
| IRS990/PYOtherRevenueAmt | 0 | 57809 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 208121 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 82241 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 302732 |
| IRS990/PYTotalExpensesAmt | 0 | 753784 |
| IRS990/PYTotalRevenueAmt | 0 | 836025 |
| IRS990/QuidProQuoContributionsInd | 0 | false |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | false |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 83172 |
| IRS990/RegularMonitoringEnfrcInd | 0 | false |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RevenueAmt | 0 | 794538 |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 5476523 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 5563761 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 3090841 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 1743161 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 176779 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 341971 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 518750 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 711366 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 215000 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 215000 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 8300 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 91950 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 100250 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 4120 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 1982272 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 15207881 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 9713253 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 1125567 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | All Other Shares and Deposits |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | IRA/KEOGH Accounts |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | Regular Shares |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | Share Certificates |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | Share Drafts |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 794538 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 400079 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 711366 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 28033093 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 794538 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 794538 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 711366 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 9065 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 1 | 649 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 1 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 1 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 1 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | Auto |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 1 | Salary |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 6843 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 1 | 2500 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | John Maddux |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 1 | John Maddux |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | BD Chair |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 1 | BD Chair |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 1 | true |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 9714 |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Members |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Members are entitled to vote in the annual elections of the Board of Directors and on other corporate matters. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Members are entitled to vote in the annual elections of the Board of Directors and on other corporate matters. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | 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). |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE SALARY FOR THE CEO COMPENSATION FOR THE FIRST FOUR YEARS IS SET WITHIN THE CEO CONTRACT. THE FOLLOWING WAS TAKEN INTO CONSIDERATION BY THE HUMAN RESOURCE COMMITTEE IN DEVELOPING THE CEO COMPENSATION: INDUSTRY SALARY SURVEY, ASSET SIZE OF THE CREDIT UNION, EXPERIENCE LEVEL OF THE EMPLOYEE, COST OF LIVING FOR THE GEOGRAPHIC AREA, AND THE CREDIT UNION'S ABILITY TO PAY THE SALARY. ANY SUCCEEDING SALARY INCREASES ARE AT THE DISCRETION OF THE BOARD OF DIRECTORS BASED ON PERFORMANCE AS DOCUMENTED IN THE ANNUAL PERFORMANCE EVALUATION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE FOLLOWING WAS TAKEN INTO CONSIDERATION BY THE HUMAN RESOURCE COMMITTEE IN DEVELOPING EACH EMPLOYEE COMPENSATION: INDUSTRY SALARY SURVEY, ASSET SIZE OF THE CREDIT UNION, EXPERIENCE LEVEL OF THE EMPLOYEE, COST OF LIVING FOR THE GEOGRAPHIC AREA, AND THE CREDIT UNION'S ABILITY TO PAY THE SALARY. ANY SUCCEEDING SALARY INCREASES ARE AT THE DISCRETION OF THE BOARD OF DIRECTORS BASED ON PERFORMANCE AS DOCUMENTED IN THE ANNUAL PERFORMANCE EVALUATION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | GOVERNING DOCUMENTS AND CONFLICT OF INTEREST ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE ACCESSIBLE ONLINE VIA WWW.NCUA.GOV AND UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Line 11b: Form 990 Review Process |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Line 19: Other Organization Documents Publicly Available |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxableDistributionsInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 34252057 |
| IRS990/TotalAssetsEOYAmt | 0 | 33648296 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 34252057 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 33648296 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 5 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 711366 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 28775534 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 28084535 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 28775534 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 28084535 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 5476523 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 5563761 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 711366 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 200273 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 102471 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 794538 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 794538 |
| IRS990/TotalVolunteersCnt | 0 | 10 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 34252057 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 33648296 |
| IRS990/TransactionWithControlEntInd | 0 | false |
| IRS990/TravelGrp/TotalAmt | 0 | 6703 |
| IRS990/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 1202 Osos Street |
| IRS990/USAddress/CityNm | 0 | San Luis Obispo |
| IRS990/USAddress/StateAbbreviationCd | 0 | CA |
| IRS990/USAddress/ZIPCd | 0 | 93401 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | www.slocu.com |
| IRS990/WhistleblowerPolicyInd | 0 | true |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2014 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $33,648,296
- Liabilities
- $28,084,535
- Net assets
- $5,563,761
- Revenue
- $794,538
- Expenses
- $711,366
- Net income
- $83,172
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