SAFEAMERICA CREDIT UNION: Form 990, tax year 2023
View the entire original 990 at ProPublica ↗
- Organization
- SAFEAMERICA CREDIT UNION (EIN 94-1664405)
- Tax period
- 2023-01-01 to 2023-12-31
- Filed
- 2024-10-25
- IRS object ID
- 202412999349300631
- Schema version
- 2023v5.1
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2024-10-25T11:13:17-05:00 | ReturnTs |
| Tax Period End | 2023-12-31 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Firm EIN | 382492570 | PreparerFirmEIN |
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | DOEREN MAYHEW | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 8785 SW 165TH AVENUE SUITE 303 | AddressLine1Txt |
| City | MIAMI | CityNm |
| State Abbreviation | FL | StateAbbreviationCd |
| ZIP | 33193 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnTypeCd |
| Tax Period Begin | 2023-01-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 941664405 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | SAFEAMERICA CREDIT UNION | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | SAFE | BusinessNameControlTxt |
| Phone | 9258478316 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 6001 GIBRALTAR DRIVE | AddressLine1Txt |
| City | PLEASANTON | CityNm |
| State Abbreviation | CA | StateAbbreviationCd |
| ZIP | 94588 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | ROGER BALLARD | PersonNm |
| Person Title | PRESIDENT/CEO | PersonTitleTxt |
| Phone | 9258478316 | PhoneNum |
| Signature | 2024-10-11 | SignatureDt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| IRS Responsible Prty Info Curr | 0 | IRSResponsiblePrtyInfoCurrInd |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | JOHN J MURNANE JR | PreparerPersonNm |
| PTIN | P03021572 | PTIN |
| Phone | 3052328272 | PhoneNum |
| Preparation | 2024-10-11 | PreparationDt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2023 | TaxYr |
| Build TS | 2024-10-15 13:58:12Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Principal Officer | ROGER BALLARD | PrincipalOfficerNm |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 6001 GIBRALTAR DRIVE | AddressLine1Txt |
| City | PLEASANTON | CityNm |
| State Abbreviation | CA | StateAbbreviationCd |
| ZIP | 94588 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | $24,473,880 | GrossReceiptsAmt |
| Group Return For Affiliates | 0 | GroupReturnForAffiliatesInd |
| Organization501c | Yes (X) | Organization501cInd |
| Website Address | WWW.SAFEAMERICA.COM | WebsiteAddressTxt |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Formation | 1953 | FormationYr |
| Legal Domicile State | CA | LegalDomicileStateCd |
| Activity Or Mission | PROVIDE SUPERIOR PERSONAL SERVICE AND ATTRACTIVE FINANCIAL PRODUCTS TO MEMBERS. | ActivityOrMissionDesc |
| Voting Members Governing Body | 7 | VotingMembersGoverningBodyCnt |
| Voting Members Independent | 7 | VotingMembersIndependentCnt |
| Total Employee | 82 | TotalEmployeeCnt |
| Total Volunteers | 7 | TotalVolunteersCnt |
| Total Gross UBI | $49,425 | TotalGrossUBIAmt |
| Net Unrelated Bus Txbl Incm | $0 | NetUnrelatedBusTxblIncmAmt |
| PY Contributions Grants | $0 | PYContributionsGrantsAmt |
| CY Contributions Grants | $0 | CYContributionsGrantsAmt |
| PY Program Service Revenue | $20,421,770 | PYProgramServiceRevenueAmt |
| CY Program Service Revenue | $22,288,648 | CYProgramServiceRevenueAmt |
| PY Investment Income | $955,007 | PYInvestmentIncomeAmt |
| CY Investment Income | $2,185,232 | CYInvestmentIncomeAmt |
| PY Other Revenue | $0 | PYOtherRevenueAmt |
| CY Other Revenue | $0 | CYOtherRevenueAmt |
| PY Total Revenue | $21,376,777 | PYTotalRevenueAmt |
| CY Total Revenue | $24,473,880 | CYTotalRevenueAmt |
| PY Grants And Similar Paid | $0 | PYGrantsAndSimilarPaidAmt |
| CY Grants And Similar Paid | $5,000 | CYGrantsAndSimilarPaidAmt |
| PY Benefits Paid To Members | $2,207,287 | PYBenefitsPaidToMembersAmt |
| CY Benefits Paid To Members | $5,782,582 | CYBenefitsPaidToMembersAmt |
| PY Salaries Comp Emp Bnft Paid | $7,689,230 | PYSalariesCompEmpBnftPaidAmt |
| CY Salaries Comp Emp Bnft Paid | $7,017,141 | CYSalariesCompEmpBnftPaidAmt |
| PY Total Prof Fndrsng Expns | $0 | PYTotalProfFndrsngExpnsAmt |
| CY Total Prof Fndrsng Expns | $0 | CYTotalProfFndrsngExpnsAmt |
| CY Total Fundraising Expense | $0 | CYTotalFundraisingExpenseAmt |
| PY Other Expenses | $7,749,050 | PYOtherExpensesAmt |
| CY Other Expenses | $9,610,475 | CYOtherExpensesAmt |
| PY Total Expenses | $17,645,567 | PYTotalExpensesAmt |
| CY Total Expenses | $22,415,198 | CYTotalExpensesAmt |
| PY Revenues Less Expenses | $3,731,210 | PYRevenuesLessExpensesAmt |
| CY Revenues Less Expenses | $2,058,682 | CYRevenuesLessExpensesAmt |
| Total Assets BOY | $532,148,907 | TotalAssetsBOYAmt |
| Total Assets EOY | $527,564,205 | TotalAssetsEOYAmt |
| Total Liabilities BOY | $491,107,033 | TotalLiabilitiesBOYAmt |
| Total Liabilities EOY | $486,904,916 | TotalLiabilitiesEOYAmt |
| Net Assets Or Fund Balances BOY | $41,041,874 | NetAssetsOrFundBalancesBOYAmt |
| Net Assets Or Fund Balances EOY | $40,659,289 | NetAssetsOrFundBalancesEOYAmt |
| Mission | WE ARE DEDICATED TO SERVING THE MEMBERS' BEST INTEREST, TO PROVIDE VALUE RELATIVE TO COST, AND TO EARN THEIR TRUST AND CONFIDENCE BY OPERATING IN AN ETHICAL AND FINANCIALLY SOUND MANNER. | MissionDesc |
| Significant New Program Srvc | 0 | SignificantNewProgramSrvcInd |
| Significant Change | 0 | SignificantChangeInd |
| Desc | SHARE DRAFT, SHARE ACCOUNTS AND SHARE CERTIFICATES | Desc |
Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | CONSUMER LOANS | Desc |
Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | OTHER EXEMPT FUNCTIONS ACTIVITIES FOR MEMBERS | Desc |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Described In Section501c3 | 0 | DescribedInSection501c3Ind |
| Schedule B Required | 0 | ScheduleBRequiredInd |
| Political Campaign Acty | 0 | PoliticalCampaignActyInd |
| Subject To Proxy Tax | 0 | SubjectToProxyTaxInd |
| Donor Advised Fund | 0 | DonorAdvisedFundInd |
| Conservation Easements | 0 | ConservationEasementsInd |
| Collections Of Art | 0 | CollectionsOfArtInd |
| Credit Counseling | 0 | CreditCounselingInd |
| Donor Rstr Or Quasi Endowments | 0 | DonorRstrOrQuasiEndowmentsInd |
| Report Land Building Equipment | Yes (1) | ReportLandBuildingEquipmentInd |
| Report Investments Other Sec | 0 | ReportInvestmentsOtherSecInd |
| Report Program Related Invst | 0 | ReportProgramRelatedInvstInd |
| Report Other Assets | 0 | ReportOtherAssetsInd |
| Report Other Liabilities | Yes (1) | ReportOtherLiabilitiesInd |
| Include FIN48 Footnote | Yes (1) | IncludeFIN48FootnoteInd |
| Independent Audit Fincl Stmt | Yes (1) | IndependentAuditFinclStmtInd |
| Consolidated Audit Fincl Stmt | 0 | ConsolidatedAuditFinclStmtInd |
| School Operating | 0 | SchoolOperatingInd |
| Foreign Office | 0 | ForeignOfficeInd |
| Foreign Activities | 0 | ForeignActivitiesInd |
| More Than5000 K To Org | 0 | MoreThan5000KToOrgInd |
| More Than5000 K To Individuals | 0 | MoreThan5000KToIndividualsInd |
| Professional Fundraising | 0 | ProfessionalFundraisingInd |
| Fundraising Activities | 0 | FundraisingActivitiesInd |
| Gaming Activities | 0 | GamingActivitiesInd |
| Operate Hospital | 0 | OperateHospitalInd |
| Grants To Organizations | 0 | GrantsToOrganizationsInd |
| Grants To Individuals | 0 | GrantsToIndividualsInd |
| Schedule J Required | Yes (1) | ScheduleJRequiredInd |
| Tax Exempt Bonds | 0 | TaxExemptBondsInd |
| Loan Outstanding | 0 | LoanOutstandingInd |
| Grant To Related Person | 0 | GrantToRelatedPersonInd |
| Business Rln With Org Mem | 0 | BusinessRlnWithOrgMemInd |
| Business Rln With Fam Mem | 0 | BusinessRlnWithFamMemInd |
| Business Rln With35 Ctrl Ent | 0 | BusinessRlnWith35CtrlEntInd |
| Deductible Non Cash Contri | 0 | DeductibleNonCashContriInd |
| Deductible Art Contribution | 0 | DeductibleArtContributionInd |
| Terminate Operations | 0 | TerminateOperationsInd |
| Partial Liquidation | 0 | PartialLiquidationInd |
| Disregarded Entity | 0 | DisregardedEntityInd |
| Related Entity | 0 | RelatedEntityInd |
| Related Organization Ctrl Ent | 0 | RelatedOrganizationCtrlEntInd |
| Activities Conducted Prtshp | 0 | ActivitiesConductedPrtshpInd |
| Schedule O Required | Yes (1) | ScheduleORequiredInd |
| IRP Document | 6938 | IRPDocumentCnt |
| IRP Document W2 G | 0 | IRPDocumentW2GCnt |
| Backup Wthld Compliance | Yes (1) | BackupWthldComplianceInd |
| Employee | 82 | EmployeeCnt |
| Employment Tax Returns Filed | Yes (1) | EmploymentTaxReturnsFiledInd |
| Unrelated Bus Incm Over Limit | Yes (1) | UnrelatedBusIncmOverLimitInd |
| Form990 T Filed | Yes (1) | Form990TFiledInd |
| Foreign Financial Account | 0 | ForeignFinancialAccountInd |
| Prohibited Tax Shelter Trans | 0 | ProhibitedTaxShelterTransInd |
| Taxable Party Notification | 0 | TaxablePartyNotificationInd |
| Nondeductible Contributions | 0 | NondeductibleContributionsInd |
| Indoor Tanning Services | 0 | IndoorTanningServicesInd |
| Subj To Tax Rmnrtn Ex Prcht Pymt | 0 | SubjToTaxRmnrtnExPrchtPymtInd |
| Subject To Excs Tax Net Invst Inc | 0 | SubjectToExcsTaxNetInvstIncInd |
| Info In Schedule O Part VI | Yes (X) | InfoInScheduleOPartVIInd |
| Governing Body Voting Members | 7 | GoverningBodyVotingMembersCnt |
| Independent Voting Member | 7 | IndependentVotingMemberCnt |
| Family Or Business Rln | 0 | FamilyOrBusinessRlnInd |
| Delegation Of Mgmt Duties | 0 | DelegationOfMgmtDutiesInd |
| Change To Org Documents | 0 | ChangeToOrgDocumentsInd |
| Material Diversion Or Misuse | 0 | MaterialDiversionOrMisuseInd |
| Members Or Stockholders | Yes (1) | MembersOrStockholdersInd |
| Election Of Board Members | Yes (1) | ElectionOfBoardMembersInd |
| Decisions Subject To Approva | Yes (1) | DecisionsSubjectToApprovaInd |
| Minutes Of Governing Body | Yes (1) | MinutesOfGoverningBodyInd |
| Minutes Of Committees | Yes (1) | MinutesOfCommitteesInd |
| Officer Mailing Address | 0 | OfficerMailingAddressInd |
| Local Chapters | 0 | LocalChaptersInd |
| Form990 Provided To Gvrn Body | 0 | Form990ProvidedToGvrnBodyInd |
| Conflict Of Interest Policy | Yes (1) | ConflictOfInterestPolicyInd |
| Annual Disclosure Covered Prsn | Yes (1) | AnnualDisclosureCoveredPrsnInd |
| Regular Monitoring Enfrc | Yes (1) | RegularMonitoringEnfrcInd |
| Whistleblower Policy | Yes (1) | WhistleblowerPolicyInd |
| Document Retention Policy | Yes (1) | DocumentRetentionPolicyInd |
| Compensation Process CEO | Yes (1) | CompensationProcessCEOInd |
| Compensation Process Other | Yes (1) | CompensationProcessOtherInd |
| Investment In Joint Venture | 0 | InvestmentInJointVentureInd |
| States Where Copy Of Return Is Fld | CA | StatesWhereCopyOfReturnIsFldCd |
| Upon Request | Yes (X) | UponRequestInd |
Books In Care Of Detail BooksInCareOfDetail
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | ROGER BALLARD | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Phone | 9258478317 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 6001 GIBRALTAR DRIVE | AddressLine1Txt |
| City | PLEASANTON | CityNm |
| State Abbreviation | GA | StateAbbreviationCd |
| ZIP | 94588 | ZIPCd |
Form990 Part VII Section A Form990PartVIISectionAGrp (14 entries)
| TitleTitleTxt | Average Hours Per WeekAverageHoursPerWeekRt | Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd | Reportable Comp From OrgReportableCompFromOrgAmt | Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt | Other CompensationOtherCompensationAmt | OfficerOfficerInd | Highest Compensated EmployeeHighestCompensatedEmployeeInd |
|---|---|---|---|---|---|---|---|
| SUSAN WALLS | |||||||
| TREASURER/SECRETARY | 1.00 | Yes (X) | $0 | $0 | $0 | ||
| BRIAN SCHULTZ | |||||||
| EXEUTIVE VICE CHAIRPERSON | 1.00 | Yes (X) | $1,378 | $0 | $0 | ||
| DIANE BAILEY | |||||||
| BOARD MEMBER | 1.00 | Yes (X) | $0 | $0 | $0 | ||
| PATRICIA CARLSON | |||||||
| BOARD MEMBER | 1.00 | Yes (X) | $0 | $0 | $0 | ||
| TRACY THAMES | |||||||
| BOARD MEMBER | 1.00 | Yes (X) | $7,105 | $0 | $0 | ||
| JASON CHANG | |||||||
| 1ST VICE CHAIRPERSON | 1.00 | Yes (X) | $4,310 | $0 | $0 | ||
| FRANCIS ZAMPELLA | |||||||
| PRESIDENT/CEO/CHAIRPERSON | 40.00 | Yes (X) | $281,706 | $0 | $1,847 | Yes (X) | |
| THOMAS GRAVES | |||||||
| PRESIDENT/CEO | 40.00 | $485,781 | $0 | $4,083 | Yes (X) | ||
| LYNN LUU | |||||||
| ACCOUNTING MANAGER | 40.00 | $175,578 | $0 | $38,180 | Yes (X) | ||
| STEFANY CHADBON-HOOKE | |||||||
| VP & CHIEF PEOPLE OFFICER | 40.00 | $594,128 | $0 | $19,358 | Yes (X) | ||
| ERWIN YALUNG | |||||||
| OPERATIONS MANAGER | 40.00 | $131,946 | $0 | $16,572 | Yes (X) | ||
| STEVEN PAGE | |||||||
| VP & CHIEF MARKETNG, DIGIT | 40.00 | $221,918 | $0 | $26,602 | Yes (X) | ||
| AMRITA PRASAD | |||||||
| VP & CHIEF LENDING & COLLE | 40.00 | $221,918 | $0 | $31,267 | Yes (X) | ||
| PABLO CORNEJO | |||||||
| RETAIL BRANCH MANAGER | 40.00 | $221,718 | $0 | $19,901 | Yes (X) | ||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | $2,347,486 | TotalReportableCompFromOrgAmt |
| Tot Reportable Comp Rltd Org | $0 | TotReportableCompRltdOrgAmt |
| Total Other Compensation | $157,810 | TotalOtherCompensationAmt |
| Indiv Rcvd Greater Than100 K | 14 | IndivRcvdGreaterThan100KCnt |
| Former Ofcr Employees Listed | 0 | FormerOfcrEmployeesListedInd |
| Total Comp Greater Than150 K | Yes (1) | TotalCompGreaterThan150KInd |
| Compensation From Other Srcs | 0 | CompensationFromOtherSrcsInd |
Contractor Compensation ContractorCompensationGrp (5 entries)
| Address Line1ContractorAddress/USAddress/AddressLine1Txt | CityContractorAddress/USAddress/CityNm | State AbbreviationContractorAddress/USAddress/StateAbbreviationCd | ZIPContractorAddress/USAddress/ZIPCd | ServicesServicesDesc | CompensationCompensationAmt |
|---|---|---|---|---|---|
| FIS | |||||
| PO BOX 4535 | CAROL STREAM | IL | 60197 | DEBIT/VISA CARD PROCESSING | $589,035 |
| BANKJOY | |||||
| 145 SILVERNOIS RD | POCHESTER HILLS | MI | 48307 | HOME/MOBILE/ONLINE BANKING | $226,945 |
| GILA TECHNOLOGIES INC | |||||
| PO BOX 200885 | PITTSBURGH | PA | 15251 | TELECOMMUNICATIONS | $188,020 |
| DOXIM INC | |||||
| PO BOX 933472 | CLEVELAND | OH | 44193 | STATEMENTS/NOTICES MAILING | $178,112 |
| MARQUIS SOFTWARE SOLUTIONS | |||||
| DEPT 730069 PO BOX 660919 | DALLAS | TX | 75266 | MARKETING ONBOARDING/REBOARDING | $166,395 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Cntrct Rcvd Greater Than100 K | 18 | CntrctRcvdGreaterThan100KCnt |
Program Service Revenue ProgramServiceRevenueGrp (3 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt | Unrelated Business RevenueUnrelatedBusinessRevenueAmt |
|---|---|---|---|---|
| LOAN INCOME | 522100 | $19,938,391 | $19,938,391 | |
| FEES, CHARGES & OTHER | 522100 | $2,300,832 | $2,300,832 | |
| FINANCE & INSURANCE | 520000 | $49,425 | $49,425 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | $22,288,648 | TotalProgramServiceRevenueAmt |
Investment Income InvestmentIncomeGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $2,185,232 | TotalRevenueColumnAmt |
| Exclusion | $2,185,232 | ExclusionAmt |
Total Revenue TotalRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $24,473,880 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $22,239,223 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $49,425 | UnrelatedBusinessRevenueAmt |
| Exclusion | $2,185,232 | ExclusionAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part IX | Yes (X) | InfoInScheduleOPartIXInd |
Grants To Domestic Individuals GrantsToDomesticIndividualsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $5,000 | TotalAmt |
Benefits To Members BenefitsToMembersGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $5,782,582 | TotalAmt |
Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $999,968 | TotalAmt |
Other Salaries And Wages OtherSalariesAndWagesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $4,612,910 | TotalAmt |
Pension Plan Contributions PensionPlanContributionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $200,364 | TotalAmt |
Other Employee Benefits OtherEmployeeBenefitsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $784,074 | TotalAmt |
Payroll Taxes PayrollTaxesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $419,825 | TotalAmt |
Fees For Services Legal FeesForServicesLegalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $146,594 | TotalAmt |
Fees For Services Accounting FeesForServicesAccountingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $15,567 | TotalAmt |
Fees For Services Other FeesForServicesOtherGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $494,331 | TotalAmt |
Advertising AdvertisingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $406,181 | TotalAmt |
Office Expenses OfficeExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $859,946 | TotalAmt |
Information Technology InformationTechnologyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $576,086 | TotalAmt |
Occupancy OccupancyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $833,384 | TotalAmt |
Conferences Meetings ConferencesMeetingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $317,011 | TotalAmt |
Depreciation Depletion DepreciationDepletionGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $426,150 | TotalAmt |
Insurance InsuranceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $235,658 | TotalAmt |
Other Expenses OtherExpensesGrp (4 entries)
| DescDesc | TotalTotalAmt |
|---|---|
| PROVISION FOR LOAN LOSS | $1,938,173 |
| MISCELLANEOUS | $1,070,455 |
| DEBIT AND CREDIT CARD E | $970,484 |
| HOME BANKING AND BILLPA | $325,683 |
All Other Expenses AllOtherExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $994,772 | TotalAmt |
Total Functional Expenses TotalFunctionalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $22,415,198 | TotalAmt |
Cash Non Interest Bearing CashNonInterestBearingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $5,543,363 | BOYAmt |
| EOY | $3,348,903 | EOYAmt |
Savings And Temp Cash Invst SavingsAndTempCashInvstGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $2,559,641 | BOYAmt |
| EOY | $26,306,348 | EOYAmt |
Accounts Receivable AccountsReceivableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $150,964 | BOYAmt |
| EOY | $146,646 | EOYAmt |
Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $445,707,501 | BOYAmt |
| EOY | $421,848,932 | EOYAmt |
Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,168,560 | BOYAmt |
| EOY | $993,680 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Bldg Equip Cost Or Other Bss | $15,529,339 | LandBldgEquipCostOrOtherBssAmt |
| Land Bldg Equip Accum Deprec | $9,793,458 | LandBldgEquipAccumDeprecAmt |
Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $6,146,233 | BOYAmt |
| EOY | $5,735,881 | EOYAmt |
Investments Pub Traded Sec InvestmentsPubTradedSecGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $44,527,236 | BOYAmt |
| EOY | $39,981,643 | EOYAmt |
Investments Other Securities InvestmentsOtherSecuritiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $9,468,400 | BOYAmt |
| EOY | $18,522,700 | EOYAmt |
Other Assets Total OtherAssetsTotalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $16,877,009 | BOYAmt |
| EOY | $10,679,472 | EOYAmt |
Total Assets TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $532,148,907 | BOYAmt |
| EOY | $527,564,205 | EOYAmt |
Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $2,893,837 | BOYAmt |
| EOY | $3,191,734 | EOYAmt |
Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | $30,000,000 | EOYAmt |
Other Liabilities OtherLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $488,213,196 | BOYAmt |
| EOY | $453,713,182 | EOYAmt |
Total Liabilities TotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $491,107,033 | BOYAmt |
| EOY | $486,904,916 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Org Does Not Follow FASB117 | Yes (X) | OrgDoesNotFollowFASB117Ind |
Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $41,041,874 | BOYAmt |
| EOY | $40,659,289 | EOYAmt |
Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $41,041,874 | BOYAmt |
| EOY | $40,659,289 | EOYAmt |
Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $532,148,907 | BOYAmt |
| EOY | $527,564,205 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part XI | Yes (X) | InfoInScheduleOPartXIInd |
| Reconcilation Revenue Expnss | $2,058,682 | ReconcilationRevenueExpnssAmt |
| Net Unrlzd Gains Losses Invst | $54,435 | NetUnrlzdGainsLossesInvstAmt |
| Other Changes In Net Assets | -$2,495,702 | OtherChangesInNetAssetsAmt |
| Info In Schedule O Part XII | Yes (X) | InfoInScheduleOPartXIIInd |
| Method Of Accounting Accrual | Yes (X) | MethodOfAccountingAccrualInd |
| Accountant Compile Or Review | 0 | AccountantCompileOrReviewInd |
| FS Audited | Yes (1) | FSAuditedInd |
FS Audited Basis FSAuditedBasisGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Separate Basis Fincl Stmt | Yes (X) | SeparateBasisFinclStmtInd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Audit Committee | Yes (1) | AuditCommitteeInd |
| Federal Grant Audit Required | 0 | FederalGrantAuditRequiredInd |
Schedule D IRS990ScheduleD
Land LandGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $2,762,915 | OtherCostOrOtherBasisAmt |
| Book Value | $2,762,915 | BookValueAmt |
Buildings BuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $4,562,621 | OtherCostOrOtherBasisAmt |
| Depreciation | $2,453,812 | DepreciationAmt |
| Book Value | $2,108,809 | BookValueAmt |
Leasehold Improvements LeaseholdImprovementsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $3,141,617 | OtherCostOrOtherBasisAmt |
| Depreciation | $2,534,287 | DepreciationAmt |
| Book Value | $607,330 | BookValueAmt |
Equipment EquipmentGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $5,062,186 | OtherCostOrOtherBasisAmt |
| Depreciation | $4,805,359 | DepreciationAmt |
| Book Value | $256,827 | BookValueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Land Buildings | $5,735,881 | TotalBookValueLandBuildingsAmt |
Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)
| DescDesc | AmtAmt |
|---|---|
| DEFERRED COMPENSATION PLAN | $344,056 |
| MEMBER ACCOUNTS | $453,369,126 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Liability | $453,713,182 | TotalLiabilityAmt |
| Footnote Text | Yes (X) | FootnoteTextInd |
| Total Rev Etc Audited Fincl Stmt | $24,473,880 | TotalRevEtcAuditedFinclStmtAmt |
| Revenue Not Reported | $0 | RevenueNotReportedAmt |
| Revenue Subtotal | $24,473,880 | RevenueSubtotalAmt |
| Revenue Not Reported Fincl Stmt | $0 | RevenueNotReportedFinclStmtAmt |
| Total Revenue Per Form990 | $24,473,880 | TotalRevenuePerForm990Amt |
| Tot Expns Etc Audited Fincl Stmt | $22,415,198 | TotExpnsEtcAuditedFinclStmtAmt |
| Expenses Not Reported | $0 | ExpensesNotReportedAmt |
| Expenses Subtotal | $22,415,198 | ExpensesSubtotalAmt |
| Expenses Not Rpt Fincl Stmt | $0 | ExpensesNotRptFinclStmtAmt |
| Total Expenses Per Form990 | $22,415,198 | TotalExpensesPerForm990Amt |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | PART X, LINE 2: | FormAndLineReferenceDesc |
| Explanation | THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL INCOME TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE (IRC) AND STATE TAX LAWS. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME DERIVED BY STATE-CHARTERED CREDIT UNIONS. GENERALLY, THESE TAXES ARE INSIGNIFICANT TO THE CREDIT UNION. | ExplanationTxt |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Travel For Companions | Yes (X) | TravelForCompanionsInd |
| Club Dues Or Fees | Yes (X) | ClubDuesOrFeesInd |
| Written Policy Ref T And E Expnss | Yes (1) | WrittenPolicyRefTAndEExpnssInd |
| Substantiation Required | Yes (1) | SubstantiationRequiredInd |
| Compensation Committee | Yes (X) | CompensationCommitteeInd |
| Compensation Survey | Yes (X) | CompensationSurveyInd |
| Board Or Committee Approval | Yes (X) | BoardOrCommitteeApprovalInd |
| Severance Payment | 0 | SeverancePaymentInd |
| Supplemental Nonqual Rtr Plan | 0 | SupplementalNonqualRtrPlanInd |
| Equity Based Comp Arrngm | 0 | EquityBasedCompArrngmInd |
Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (7 entries)
| TitleTitleTxt | Base Compensation Filing OrgBaseCompensationFilingOrgAmt | Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt | Bonus Filing OrganizationBonusFilingOrganizationAmount | Bonus Related OrganizationsBonusRelatedOrganizationsAmt | Other Compensation Filing OrgOtherCompensationFilingOrgAmt | Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt | Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt | Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt | Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt | Total Compensation Filing OrgTotalCompensationFilingOrgAmt | Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt | Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt | Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| STEFANY CHADBON-HOOKE | ||||||||||||||
| VP & CHIEF PEOPLE OFFICER | $195,024 | $0 | $15,000 | $0 | $384,104 | $0 | $6,344 | $0 | $13,014 | $0 | $613,486 | $0 | $0 | $0 |
| THOMAS GRAVES | ||||||||||||||
| PRESIDENT/CEO | $60,781 | $0 | $0 | $0 | $425,000 | $0 | $1,858 | $0 | $2,225 | $0 | $489,864 | $0 | $0 | $0 |
| FRANCIS ZAMPELLA | ||||||||||||||
| PRESIDENT/CEO/CHAIRPERSON | $281,706 | $0 | $0 | $0 | $0 | $0 | $1,847 | $0 | $0 | $0 | $283,553 | $0 | $0 | $0 |
| AMRITA PRASAD | ||||||||||||||
| VP & CHIEF LENDING & COLLE | $181,418 | $0 | $40,500 | $0 | $0 | $0 | $6,800 | $0 | $24,467 | $0 | $253,185 | $0 | $0 | $0 |
| STEVEN PAGE | ||||||||||||||
| VP & CHIEF MARKETNG, DIGIT | $181,418 | $0 | $40,500 | $0 | $0 | $0 | $6,800 | $0 | $19,802 | $0 | $248,520 | $0 | $0 | $0 |
| PABLO CORNEJO | ||||||||||||||
| RETAIL BRANCH MANAGER | $191,218 | $0 | $30,500 | $0 | $0 | $0 | $6,335 | $0 | $13,566 | $0 | $241,619 | $0 | $0 | $0 |
| LYNN LUU | ||||||||||||||
| ACCOUNTING MANAGER | $165,778 | $0 | $9,800 | $0 | $0 | $0 | $5,368 | $0 | $32,812 | $0 | $213,758 | $0 | $0 | $0 |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (10 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| FORM 990, PART VI, SECTION A, LINE 6 | PARTICIPATION IN THIS CREDIT UNION IS LIMITED TO THOSE WHO QUALIFY FOR MEMBERSHIP AS DEFINED IN THE CREDIT UNION'S CHARTER AND BYLAWS. THIS GENERALLY CONSISTS OF EMPLOYEES WITH THE NORTHERN CALIFORNIA DIVISION AND CORPORATE OFFICES OF SAFEWAY, INC.; EMPLOYEES OF GENENTECH, A SUBSIDIARY OF ROCHE INC.; AND ANYONE WHO LIVES, WORKS, ATTENDS SCHOOL OR WORSHIPS IN THE COUNTIES OF SAN MATEO, ALAMEDA, CONTRA COSTA, AND SANTA CLARA, CALIFORNIA. IN ADDITION TO A REGULARLY QUALIFIED MEMBER, THE SPOUSE OF A MEMBER, THE BLOOD OR ADOPTIVE RELATIVES OF EITHER OF THEM AND THEIR SPOUSES MAY BE MEMBERS. |
| FORM 990, PART VI, SECTION A, LINE 7A | THE BOARD OF DIRECTORS ARE ELECTED BY THE MEMBERSHIP. |
| FORM 990, PART VI, SECTION A, LINE 7B | BYLAWS MAY BE AMENDED ONLY WITH THE CONSENT OF THE MEMBERS IF THE AMENDMENT WOULD (A) MATERIALLY AND ADVERSELY AFFECT THE RIGHTS OF MEMBERS AS TO VOTING, (B) INCREASE OR DECREASE THE NUMBER OF MEMBERS AUTHORIZED IN TOTAL OR FOR ANY CLASS, (C) EFFECT AN EXCHANGE, RECLASSIFICATION CANCELLATION OF ALL OR PART OF THE MEMBERSHIPS, (D) AUTHORIZE A NEW CLASS OF MEMBERSHIP, (E) SPECIFY OR CHANGE A FIXED NUMBER OF DIRECTORS OR CHANGE THE NUMBER OF MEMBERS OF THE BOARD FROM A FIXED TO A VARIABLE NUMBER, (F) EXTEND THE TERM OF A DIRECTOR BEYOND THE TERM FOR WHICH THE DIRECTOR WAS ELECTED, OR (G) REPEAL, RESTRICT, CREATE OR EXPAND PROXY RIGHTS. |
| FORM 990, PART VI, SECTION B, LINE 11B | THE BOARD DOES NOT RECEIVE A COPY OF THE RETURN PRIOR TO FILING. |
| FORM 990, PART VI, SECTION B, LINE 12C | AS SOON AS EMPLOYEE OR VOLUNTEER OFFICIAL BECOMES AWARE OF A CONFLICT OF INTEREST, THE MATTER SHOULD BE REPORTED IN WRITING. EMPLOYEES OTHER THAN THE CHIEF EXECUTIVE OFFICER REPORT TO THEIR IMMEDIATE SUPERVISORS. THE CHIEF EXECUTIVE OFFICER OR VOLUNTEER OFFICIAL REPORTS TO THE BOARD OF DIRECTORS. REPORTS SHOULD BE MADE AS SOON AS THE EMPLOYEE OR VOLUNTEER OFFICIAL BECOME AWARE OF FACTS OR CIRCUMSTANCES THAT CREATE AN ACTUAL OR APPARENT CONFLICT OF INTEREST. IT IS THE EMPLOYEE'S AND VOLUNTEER'S RESPONSIBILITY TO NOTIFY HUMAN RESOURCES OF ANY PERSONAL CIRCUMSTANCES THAT MIGHT PRESENT A CONFLICT OF INTEREST IN TERMS OF THE POLICY. CONFLICTS WITH THE POLICY WILL BE HANDLED ON A CASE-BY-CASE BASIS. IN EACH INSTANCE, HUMAN RESOURCES AND MANAGEMENT WILL DETERMINE WHETHER A TRANSFER OR SOME OTHER ACCOMMODATION CAN BE ARRANGED, OR WHETHER ONE OF THE EMPLOYEES WILL HAVE TO RESIGN OR BE DISMISSED. |
| FORM 990, PART VI, SECTION B, LINE 15 | CEO COMPENSATION IS DECIDED BY THE BOARD OF DIRECTORS WITH HELP FROM THE VP OF HUMAN RESOURCES. KEY EMPLOYEES' COMPENSATION IS DECIDED BY THE CEO AND VP OF HUMAN RESOURCES. COMPARATIVE DATA IS USED IN THIS PROCESS. |
| FORM 990, PART VI, SECTION C, LINE 19 | THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. |
| FORM 990, PART IX, LINE 24E | COLLECTIONS AND CREDIT 285,126. NEW MEMBER MATRIX 162,636. EXCESS SHARE INSURANCE 123,143. SHARED BRANCH FEES 104,517. LOS SYSTEM 97,049. ATM EXPENSES 89,704. CORPORATE AND OTHER BANK FEES 55,162. REAL ESTATE ORIGINATION & FEES 39,417. LOAN SERVICING EXPENSE 25,889. TRAINING/DEVELOPMENT 12,129. |
| FORM 990, PART XI, LINE 9: | NET CHANGE IN DEFINED BEENFIT PLAN 49,325. CUMULATIVE EFFECT FROM CHANGE IN ACCOUNTING PRINCIPLE -2,545,027. |
| FORM 990, PART XII, LINE 2C: | THERE WERE NO CHANGES IN THE PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY OF THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR. |