2023-04-19T15:00:06-05:00 2022-12-31 410746749 CLIFTONLARSONALLEN LLP 20 EAST THOMAS ROAD SUITE 2300 PHOENIX AZ 85012 990 2022-01-01 941175509 1ST NORTHERN CALIFORNIA CREDIT UNION 1STN 9252287550 1111 PINE STREET MARTINEZ CA 94553 DAVID M GREEN PRESIDENT/CEO 9252287550 2023-04-18 1 DAVID GREEN XXX-XX-XXXX 0 MELISSA HANGSLEBEN P02087031 6022662248 2023-04-17 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z DAVID M GREEN 1111 PINE STREET MARTINEZ CA 94553 16635726 0 X WWW.1STNORCALCU.ORG X 1949 CA CREDIT UNION IN THE STATE OF CALIFORNIA. PROVIDES FINANCIAL PRODUCTS AND SERVICES TO MEMBERS. 5 5 111 6 24927 0 0 0 10547807 10644485 6420998 5991241 0 0 16968805 16635726 0 0 1789612 1467804 7114207 7344133 0 0 0 6506239 6770793 15410058 15582730 1558747 1052996 896049369 878372297 813215293 794485225 82834076 83887072 X THIS CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSES OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, THIS CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THIS CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. 0 0 1ST NORTHERN CREDIT UNION PROVIDES LOANS TO ITS MEMBERS AT LOW RATES. 1ST NORTHERN CREDIT UNION PROVIDES ITS MEMBERS WITH SAVINGS ACCOUNTS THAT EARN INTEREST AT HIGHER RATES. 1ST NORTHERN CREDIT UNION PROVIDES ITS MEMBERS WITH NO-COST OR LOW-COST FINANCIAL SERVICES. 0 0 0 0 0 0 0 0 0 1 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 8461 0 111 1 1 1 0 0 0 0 0 0 0 X 5 5 0 0 0 0 1 1 1 1 0 0 1 1 1 1 1 1 1 1 1 1 0 CA X DAVID GREEN 9252287550 1111 PINE STREET MARTINEZ CA 94553 DAVID GREEN PRESIDENT/CEO 40.00 X 364985 0 67162 TASHA KOSTICK SR. VICE PRESIDENT/CFO 40.00 X 201534 0 36904 DIANA MALICOAT SR. VICE PRESIDENT/COO 40.00 X 184628 0 40817 BRUCE MURAOKA VP OF IT 40.00 X 162792 0 22816 LISA HOMES SR. VICE PRESIDENT/CLO 40.00 X 168772 0 29125 GREGG HOFFMAN SR. VICE PRESIDENT/CMO 40.00 X 152784 0 23206 REGINALD CAMPBELL VP/BRANCH MANAGER 40.00 X 132023 0 20936 KRISTINA BRYAN VP OF OPERATIONS 40.00 X 118906 0 39364 CHRIS PEREZ VP OF MORTGAGE LENDING 40.00 X 119118 0 30076 STACEY SMOR AVP/CONTROLLER 40.00 X 100160 0 20419 STEPHEN YBARRA CHAIRMAN 2.00 X X 0 0 0 MARY ANN MASON 1ST VICE CHAIRMAN 2.00 X X 0 0 0 ROBERT CAMPBELL 2ND VICE CHAIRMAN 2.00 X X 0 0 0 JULIE ENEA TREASURER 2.00 X X 0 0 0 CHRISTINA DUNN SECRETARY 2.00 X X 0 0 0 DEAN LUCAS DIRECTOR (UNTIL 4/22) 2.00 X 0 0 0 1705702 0 330825 10 0 1 0 JACK HENRY & ASSOCIATES PO BOX 609 MONETT MO 657088215 DATA PROCESSING SERVICES 1543417 GLOBAL SECURE 3 LLC 201 SPEAR ST SUITE 1100 SAN FRANCISCO CA 94105 OFFICE SECURITY 563287 PSCU 560 CARILLON PARKWAY ST PETERSBURG FL 33716 CALL CENTER SERVICES 456612 INFOIMAGE 141 JEFFERSON DRIVE MENLO PARK CA 94025 STATEMENT AND TAX FORM PRODUCTION 296435 CONNECT FINANCIAL SOFTWARE SOLUTIONS LL PO BOX 923 SANDY UT 84091 HOME BANKING AND MOBILE SERVICES 201477 11 INTEREST ON LOANS 522100 8953791 8953791 INTERCHANGE INCOME 522100 1435950 1435950 FEES AND CHARGES 522100 365408 365408 NONMEMBER ATM FEES 522100 24927 24927 OTHER NON INTEREST INCOME 522100 -135591 -135591 10644485 5991241 5991241 16635726 10619558 24927 5991241 1467804 1279534 4691416 191412 745386 436385 51000 220507 531233 450000 760031 149639 679357 21666 3000 377254 168605 MAINTENANCE 1230488 DEBIT AND CREDIT CARD E 981890 CALL CENTER EXPENSES 449000 HOME BANKING EXPENSES 229758 467365 15582730 3154952 2026198 167839440 174149764 15327042 18208315 292756956 327144219 572072 618019 12186749 6930799 3182229 5255950 224011283 195609821 177388526 143415138 11816869 11944873 896049369 878372297 6125816 6855498 807089477 787629727 813215293 794485225 X 0 0 0 0 82834076 83887072 82834076 83887072 896049369 878372297 1052996 0 X 0 0 0 341195 341195 3654061 2153277 1500784 2166563 1380963 785600 6024930 3396559 2628371 5255950 CORPORATE CREDIT UNION 20790739 C CERTIFICATES OF DEPOSIT 122624399 C 143415138 MEMBER SHARES 785297748 LEASE LIABILITY 2331979 787629727 X X 0 0 0 DAVID GREEN PRESIDENT/CEO 364985 0 0 0 0 0 52064 0 15098 0 432147 0 0 0 TASHA KOSTICK SR. VICE PRESIDENT/CFO 201534 0 0 0 0 0 27365 0 9539 0 238438 0 0 0 DIANA MALICOAT SR. VICE PRESIDENT/COO 184628 0 0 0 0 0 28143 0 12674 0 225445 0 0 0 BRUCE MURAOKA VP OF IT 162792 0 0 0 0 0 21293 0 1523 0 185608 0 0 0 LISA HOMES SR. VICE PRESIDENT/CLO 168772 0 0 0 0 0 17775 0 11350 0 197897 0 0 0 GREGG HOFFMAN SR. VICE PRESIDENT/CMO 152784 0 0 0 0 0 20171 0 3035 0 175990 0 0 0 REGINALD CAMPBELL VP/BRANCH MANAGER 132023 0 0 0 0 0 19056 0 1880 0 152959 0 0 0 KRISTINA BRYAN VP OF OPERATIONS 118906 0 0 0 0 0 17724 0 21640 0 158270 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION HAS MEMBERS WHO BECOME MEMBERS UPON THE ESTABLISHMENT OF A VALID SHARE ACCOUNT WITH THE CREDIT UNION. MEMBERSHIP TO THE CREDIT UNION IS FOR ANY AND ALL PERSONS WHO LIVE, REGULARLY WORK, CURRENTLY ATTEND SCHOOL, OR CURRENTLY WORSHIP AS WELL AS ANY AND ALL BUSINESSES, CORPORATIONS, AND OTHER LEGAL ENTITIES IN CONTRA COSTA, ALAMEDA, AND SOLANO COUNTIES, 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 EACH MEMBER HAS ONE VOTE IN THE ELECTION OF THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION A, LINE 7B THE MEMBERS HAVE THE RIGHT TO AMEND THE BYLAWS OF THE CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 8B THERE ARE NO COMMITTEES WHO HAVE AUTHORITY TO ACT ON THE BEHALF OF THE GOVERNING BODY. THE SUPERVISORY COMMITTEE, HOWEVER, IS MADE UP OF FIVE (5) FELLOW CREDIT UNION MEMBERS AND IS ELECTED BY THE MEMBERSHIP. THE FUNCTION OF THE COMMITTEE IS TO CONDUCT AUDITS OF THE CREDIT UNION'S FINANCIAL RECORDS AT LEAST ONCE A YEAR. THE COMMITTEE MAY ALSO PERIODICALLY APPRAISE THE POLICIES, PROCEDURES AND OPERATIONS OF THE CREDIT UNION, AND MAKE RECOMMENDATIONS TO THE BOARD OF DIRECTORS FOR ANY IMPROVEMENTS OR CHANGE. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PREPARED BY THE ORGANIZATION'S PUBLIC ACCOUNTING FIRM BASED ON INFORMATION PROVIDED BY MANAGEMENT. ONCE THE DRAFT IS AVAILABLE, IT IS REVIEWED BY MANAGEMENT AND ANY CHANGES INCORPORATED INTO THE FILING. ONCE THIS DETAILED REVIEW IS COMPLETE, THE DRAFT OF THE FORM 990 IS PRESENTED TO THE BOARD OF DIRECTORS FOR THEIR REVIEW AND COMMENTS PRIOR TO FILING WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C THERE IS AN ANNUAL REVIEW OF THE CONFLICT OF INTEREST POLICY AND A SIGNED ACKNOWLEDGEMENT EACH YEAR. THE SUPERVISORY COMMITTEE ROUTINELY MONITORS VARIOUS CREDIT UNION RECORDS AS WELL AS VOLUNTEER AND EMPLOYEE ACCOUNTS FOR CONFLICT-OF-INTEREST RELATED ACTIVITY WITH THE MONITORING TASK ROTATED AMONGST THE COMMITTEE MEMBERS. THE CREDIT UNION'S COMPLIANCE OFFICER ALSO MONITORS FOR CONFLICT OF INTEREST. ANY CONFLICT OF INTEREST INCIDENCES ARE TO BE NOTED IN THE SUPERVISORY COMMITTEE MINUTES ALONG WITH ACTIONS TAKEN AS A RESULT. FORM 990, PART VI, SECTION B, LINE 15 THE BOARD OF DIRECTORS DETERMINES THE CEO'S COMPENSATION BASED UPON MERIT AND COMPARABLE DATA FOR SIMILAR CREDIT UNIONS FROM SEVERAL SOURCES. THIS PROCESS IS DOCUMENTED IN THE BOARD EXECUTIVE MEETING MINUTES. THE BOARD SETS THE MAXIMUM LEVEL FOR ALL EMPLOYEES AND THE CEO IS DELEGATED THE AUTHORITY ON DETERMINING EVERYBODY ELSE'S ANNUAL INCREASES. EXCEPTIONS WOULD BE FOR EMPLOYEES WHO ARE BEING PROMOTED AND FALL INTO A NEW SALARY RANGE. THE CEO CONDUCTS AN ANNUAL MEETING WITH THE HR MANAGER AND THE SVPS IN WHICH THE SALARY FOR EACH EMPLOYEE (EXCEPT THE CEO) IS REVIEWED BASED UPON THEIR EVALUATIONS AND ADJUSTED WITHIN THE GUIDELINES SET BY THE BOARD. THE MEETING IS DOCUMENTED BY HR. THIS PROCESS WAS LAST COMPLETED IN 2022. FORM 990, PART VI, SECTION C, LINE 19 FINANCIAL STATEMENTS ARE POSTED IN EACH BRANCH OFFICE ON A MONTHLY BASIS. GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY WOULD BE MADE AVAILABLE TO THE REQUESTOR UPON REQUEST.