Civic Intelligence

El Monte Community Credit Union

EIN 95-6064840 • 501(c)14 • El Monte, CA

View Organization Page

Profile

El Monte Community Credit Union is a non-profit financial cooperative that provides services for their members including savings and loans. The mission of the Credit Union is to charge the least in their loans and pay the most for deposits to its members.

11718 Ramona BlvdEl Monte, CA 91732

www.emcecu.org

Siviq Scores

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

Liabilities / Assets

72nd percentile

0.91x

Higher debt load relative to assets than 72% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

51st percentile

17.81x

Higher debt load relative to revenue than 51% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

68th percentile

16%

Higher net margin than 68% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

87th percentile

5.9%

Faster asset growth than 87% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

75th percentile

21%

Faster revenue growth than 75% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$32,567,671

Up $1,805,650 (+5.9%) from 2023

Liabilities

Up

$29,504,811

Up $1,543,519 (+5.5%) from 2023

Net Assets

Up

$3,062,860

Up $262,131 (+9.4%) from 2023

Operations
Liabilities / Revenue51st percentileNet Margin68th percentile

Revenue

Up

$1,656,495

Up $285,844 (+21%) from 2023

Expenses

Up

$1,394,364

Up $180,698 (+15%) from 2023

Net Income

Up

$262,131

Up $105,146 (+67%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth87th percentile

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

$40M$30M$20M$10M$0Assets 2010: $20,249,178Liabilities 2010: $18,383,370Net Assets 2010: $1,865,8082010Assets 2011: $19,635,641Liabilities 2011: $17,642,004Net Assets 2011: $1,993,6372011Assets 2012: $19,987,170Liabilities 2012: $17,944,885Net Assets 2012: $2,042,2852012Assets 2013: $21,455,112Liabilities 2013: $19,364,389Net Assets 2013: $2,090,7232013Assets 2014: $23,058,612Liabilities 2014: $20,939,131Net Assets 2014: $2,119,4812014Assets 2015: $23,537,989Liabilities 2015: $21,334,666Net Assets 2015: $2,203,3232015Assets 2016: $26,045,003Liabilities 2016: $23,717,359Net Assets 2016: $2,327,6442016Assets 2017: $27,741,476Liabilities 2017: $25,398,042Net Assets 2017: $2,343,4342017Assets 2018: $28,175,156Liabilities 2018: $25,809,788Net Assets 2018: $2,365,3682018Assets 2019: $29,351,235Liabilities 2019: $26,829,574Net Assets 2019: $2,521,6612019Assets 2020: $33,848,429Liabilities 2020: $31,278,948Net Assets 2020: $2,569,4812020Assets 2021: $35,310,822Liabilities 2021: $32,795,476Net Assets 2021: $2,515,3462021Assets 2022: $32,839,949Liabilities 2022: $30,179,778Net Assets 2022: $2,660,1712022Assets 2023: $30,762,021Liabilities 2023: $27,961,292Net Assets 2023: $2,800,7292023Assets 2024: $32,567,671Liabilities 2024: $29,504,811Net Assets 2024: $3,062,8602024

Highlighted filing

2024

Assets$32,567,671
Liabilities$29,504,811
Net Assets$3,062,860
Open 2024 Filing

Operations Trend

Revenue Growth75th percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,306,6642010Expenses 2011: $1,066,9082011Expenses 2012: $980,9912012Revenue 2013: $939,104Expenses 2013: $884,652Net Income 2013: $54,4522013Revenue 2014: $917,468Expenses 2014: $888,710Net Income 2014: $28,7582014Revenue 2015: $933,629Expenses 2015: $846,655Net Income 2015: $86,9742015Revenue 2016: $994,821Expenses 2016: $870,500Net Income 2016: $124,3212016Revenue 2017: $1,118,728Expenses 2017: $1,103,476Net Income 2017: $15,2522017Revenue 2018: $1,235,455Expenses 2018: $1,213,521Net Income 2018: $21,9342018Revenue 2019: $1,257,770Expenses 2019: $1,101,477Net Income 2019: $156,2932019Revenue 2020: $1,073,786Expenses 2020: $1,025,966Net Income 2020: $47,8202020Revenue 2021: $966,682Expenses 2021: $1,020,817Net Income 2021: -$54,1352021Revenue 2022: $1,224,087Expenses 2022: $1,079,262Net Income 2022: $144,8252022Revenue 2023: $1,370,651Expenses 2023: $1,213,666Net Income 2023: $156,9852023Revenue 2024: $1,656,495Expenses 2024: $1,394,364Net Income 2024: $262,1312024

Highlighted filing

2024

Revenue$1,656,495
Expenses$1,394,364
Net Income$262,131
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$32,567,671
Liabilities
$29,504,811
Net assets
$3,062,860
Revenue
$1,656,495
Expenses
$1,394,364
Net income
$262,131
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.6$29.5$3.06$1.66$1.39$0.26
2023Detailed filing. Detailed filing data is available for this year.$30.8$28.0$2.80$1.37$1.21$0.16
2022Detailed filing. Detailed filing data is available for this year.$32.8$30.2$2.66$1.22$1.08$0.14
2021Detailed filing. Detailed filing data is available for this year.$35.3$32.8$2.52$0.97$1.02$0.05
2020Detailed filing. Detailed filing data is available for this year.$33.8$31.3$2.57$1.07$1.03$0.05
2019Detailed filing. Detailed filing data is available for this year.$29.4$26.8$2.52$1.26$1.10$0.16
2018Detailed filing. Detailed filing data is available for this year.$28.2$25.8$2.37$1.24$1.21$0.02
2017Detailed filing. Detailed filing data is available for this year.$27.7$25.4$2.34$1.12$1.10$0.02
2016Detailed filing. Detailed filing data is available for this year.$26.0$23.7$2.33$0.99$0.87$0.12
2015Detailed filing. Detailed filing data is available for this year.$23.5$21.3$2.20$0.93$0.85$0.09
2014Detailed filing. Detailed filing data is available for this year.$23.1$20.9$2.12$0.92$0.89$0.03
2013Detailed filing. Detailed filing data is available for this year.$21.5$19.4$2.09$0.94$0.88$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.0$17.9$2.04$0.98
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.6$17.6$1.99$1.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.2$18.4$1.87$1.31
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 31, 2025
Return Version
2024v5.2
Gross Receipts
$1,656,495
Mission and Program Overview

Mission

El Monte Community Credit Union is a non-profit financial cooperative that provides services for their members including savings and loans. The mission of the Credit Union is to charge the least in their loans and pay the most for deposits to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$13,604,272$15,935,807▲ $2,331,535
Investments Program Related$14,609,494$12,357,760▼ $2,251,734
Rtn Earn Endowment Incm Other Fnds$2,800,729$3,062,860▲ $262,131
Savings and Temporary Cash Investments$851,484$2,404,830▲ $1,553,346
Cash and Non-Interest-Bearing Accounts$398,662$269,525▼ $129,137
Land, Buildings, and Equipment, Net$118,545$97,553▼ $20,992
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$30,762,021$32,567,671▲ $1,805,650
Other Assets Total$1,179,564$1,502,196▲ $322,632
Liabilities
Other Liabilities$27,672,319$28,960,043▲ $1,287,724
Accounts Payable and Accrued Expenses$288,973$544,768▲ $255,795
Total Liabilities$27,961,292$29,504,811▲ $1,543,519
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,800,729$3,062,860▲ $262,131
Total Liabilities and Net Assets / Fund Balance$30,762,021$32,567,671▲ $1,805,650

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$7,676$226,634$234,310
Buildings$20,199$136,672$156,871
Equipment$3,459$115,927$119,386
Land$66,000-$66,000
Other Land Buildings$219$18,988$19,207
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sandra RosasCEOFT$141,476$9,065$150,541

Board Members and Trustees

NameTitle
Angel R NunezBoard Chair
Robert VelasquezBoard ViceChair
Sheila S Crippen ThomasSC Chair
Carolyn SeitzBoard Member
David ParedesBoard Member
Michael McClureBoard Member
Eric SanchezBoard Secretary
Amparo BecerraSC member
Maria C CaballeroSC Member
Rebecca AguirreTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$953,575
Investment Income
$277,795
Other Revenue
$425,125
Change in Net Assets
$262,131
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$772,625
Salaries, Compensation, and Employee Benefits$492,731
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$496,622
Other Salaries and Wages---$317,261
Current Officers, Directors, Trustees, and Key Employees---$175,470
Benefits to Members---$129,008
Occupancy---$68,020
Advertising---$57,173
Fees for Services Other---$44,947
Other Expenses---$6,783
Travel---$2,269
All Other Expenses---$-678
Total Functional Expenses$0$0$0$1,394,364
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$17,214,695
Share Drafts$7,678,728
Other Deposits$4,066,620
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

“The Credit Union is organized with members, most of whom are employees or former employees of the City of El Monte, businesses (including their employees) belonging to the Chamber of Commerce of El Monte, South El Monte, and Baldwin Park, and their qualifying family members.”

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

“The members elect the board of directors.”

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

“Certain decisions require membership approval as provided in the corporate bylaws.”

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

“The return preparer e-mails a draft of the form 990 to the ceo for review.the auditor and designated individual(s) review the draft and present anyquestions, comments, or corrections to the return preparer. Upon satisfactorycompletion of the form 990, the organization's authorized individual signs theappropriate signature form(s) to authorize the electronic filing of the return. Acopy 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

“Yes, reviewed peer data and reviewed work performance is used to determine compensation.”

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

“Yes, reviewed peer data and reviewed work performance is used to determine compensation.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the lobby.”

Filing and Contact Details

Filer

Filer Name
El Monte Community Credit Union
EIN
95-6064840
Phone
6264440501
Address
11718 Ramona Blvd, El Monte, CA 91732

Signing Officer

Name
Sandra Rosas
Title
President/CEO
Signed
2025-10-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sandra Rosas
Formed
1956
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
8
Volunteers
10

Preparer

Firm
Richards & Associates
Address
21520 YORBA LINDA BLVD G-516, YORBA LINDA, CA 92887
Preparer
Richards Associates CPAs
Phone
7142876713
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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/Form990PartVIISectionAGrp/PersonNm1Rebecca Aguirre
IRS990/Form990PartVIISectionAGrp/PersonNm2David Paredes
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IRS990/Form990PartVIISectionAGrp/TitleTxt4Board ViceChair
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt8SC Member
IRS990/Form990PartVIISectionAGrp/TitleTxt9SC Chair
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IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0277795
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0277795
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt014609494
IRS990/InvestmentsProgramRelatedGrp/EOYAmt012357760
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt0393
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0498221
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0118545
IRS990/LandBldgEquipBasisNetGrp/EOYAmt097553
IRS990/LandBldgEquipCostOrOtherBssAmt0595774
IRS990/LegalDomicileStateCd0CA
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0El Monte Community Credit Union is a non-profit financial cooperative that provides services for their members including savings and loans. The mission of the Credit Union is to charge the least in their loans and pay the most for deposits to its members.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt02800729
IRS990/NetAssetsOrFundBalancesEOYAmt03062860
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt068020
IRS990/OfficeExpensesGrp/TotalAmt0496622
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01179564
IRS990/OtherAssetsTotalGrp/EOYAmt01502196
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Loan servicing expense
IRS990/OtherExpensesGrp/Desc1Miscellaneous Expense
IRS990/OtherExpensesGrp/Desc2Operating Fees
IRS990/OtherExpensesGrp/Desc3Regulatory Supervision
IRS990/OtherExpensesGrp/TotalAmt048379
IRS990/OtherExpensesGrp/TotalAmt137396
IRS990/OtherExpensesGrp/TotalAmt211714
IRS990/OtherExpensesGrp/TotalAmt36783
IRS990/OtherLiabilitiesGrp/BOYAmt027672319
IRS990/OtherLiabilitiesGrp/EOYAmt028960043
IRS990/OtherRevenueMiscGrp/Desc0Fee Income
IRS990/OtherRevenueMiscGrp/Desc1Other Non-Operating Income
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0425125
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0425125
IRS990/OtherRevenueTotalAmt0425125
IRS990/OtherSalariesAndWagesGrp/TotalAmt0317261
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt013604272
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt015935807
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0Sandra Rosas
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0953575
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0953575
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt044503
IRS990/PYInvestmentIncomeAmt0260830
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0720944
IRS990/PYOtherRevenueAmt0372270
IRS990/PYProgramServiceRevenueAmt0737551
IRS990/PYRevenuesLessExpensesAmt0156985
IRS990/PYSalariesCompEmpBnftPaidAmt0448219
IRS990/PYTotalExpensesAmt01213666
IRS990/PYTotalRevenueAmt01370651
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0262131
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02800729
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03062860
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0851484
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02404830
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt020199
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0136672
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0156871
IRS990ScheduleD/EquipmentGrp/BookValueAmt03459
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0115927
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0119386
IRS990ScheduleD/LandGrp/BookValueAmt066000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt066000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt07676
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0226634
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0234310
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0219
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt018988
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt019207
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04066620
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt117214695
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt27678728
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Other Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Regular Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Share Drafts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt097553
IRS990ScheduleD/TotalBookValueProgramRltdAmt012357760
IRS990ScheduleD/TotalLiabilityAmt028960043
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0141476
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount05169
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt03896
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Sandra Rosas
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0150541
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Credit Union is organized with members, most of whom are employees or former employees of the City of El Monte, businesses (including their employees) belonging to the Chamber of Commerce of El Monte, South El Monte, and Baldwin Park, and their qualifying family members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The members elect the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Certain decisions require membership approval as provided in the corporate bylaws.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE RETURN PREPARER E-MAILS A DRAFT OF THE FORM 990 TO THE CEO FOR REVIEW.THE AUDITOR AND DESIGNATED INDIVIDUAL(S) REVIEW THE DRAFT AND PRESENT ANYQUESTIONS, COMMENTS, OR CORRECTIONS TO THE RETURN PREPARER. UPON SATISFACTORYCOMPLETION OF THE FORM 990, THE ORGANIZATION'S AUTHORIZED INDIVIDUAL SIGNS THEAPPROPRIATE SIGNATURE FORM(S) TO AUTHORIZE THE ELECTRONIC FILING OF THE RETURN. ACOPY OF THE FORM 990, AS FILED, IS PROVIDED BY THE RETURN PREPARER TO THEORGANIZATION'S CEO OR OTHER DESIGNATED INDIVIDUAL(S).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Yes, reviewed peer data and reviewed work performance is used to determine compensation.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Yes, reviewed peer data and reviewed work performance is used to determine compensation.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Financial statements are posted in the lobby.
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
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt030762021
IRS990/TotalAssetsEOYAmt032567671
IRS990/TotalAssetsGrp/BOYAmt030762021
IRS990/TotalAssetsGrp/EOYAmt032567671
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01394364
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt027961292
IRS990/TotalLiabilitiesEOYAmt029504811
IRS990/TotalLiabilitiesGrp/BOYAmt027961292
IRS990/TotalLiabilitiesGrp/EOYAmt029504811
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02800729
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03062860
IRS990/TotalOtherCompensationAmt03896
IRS990/TotalProgramServiceRevenueAmt0953575
IRS990/TotalReportableCompFromOrgAmt0146645
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01656495
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01656495
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt030762021
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt032567671
IRS990/TravelGrp/TotalAmt02269
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt011718 Ramona Blvd
IRS990/USAddress/CityNm0El Monte
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd091732
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0http://www.emcecu.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Sandra Rosas
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President/CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-31
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0El Monte Community Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0ELMO
ReturnHeader/Filer/EIN0956064840
ReturnHeader/Filer/PhoneNum06264440501
ReturnHeader/Filer/USAddress/AddressLine1Txt011718 Ramona Blvd

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