2023-11-13T14:41:08-06:00 2022-12-31 410746749 CLIFTONLARSONALLEN LLP 20 EAST THOMAS ROAD SUITE 2300 PHOENIX AZ 85012 990 2022-01-01 952030824 AMERICA'S CHRISTIAN CREDIT UNION CRED 8003436328 2100 E ROUTE 66 GLENDORA CA 91740 VICKI VANNBERSTEIN PRESIDENT/CEO 8003436328 2023-11-09 1 VICKI VANNBERSTEIN 999009999 1 MELISSA HANGSLEBEN P02087031 6022662248 2023-11-09 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z VICKI VANNBERSTEIN 2100 E ROUTE 66 GLENDORA CA 91740 27634092 0 X WWW.AMERICASCHRISTIANCU.COM X 1958 CA TO PROVIDE FINANCIAL SERVICES TO THOSE WHO ALIGN THEMSELVES WITH THE WESLEYAN CHRISTIAN DOCTRINE. 7 7 109 12 15088 0 0 0 23206398 24809768 1178436 1795720 348454 323883 24733288 26929371 155159 365465 1756387 2741512 9625432 10293186 0 0 0 7976797 7760801 19513775 21160964 5219513 5768407 610952696 621842316 561639985 578634035 49312711 43208281 TO PROVIDE FINANCIAL SERVICES TO THE COMMUNITY OF PEOPLE, CHURCHES AND ORGANIZATIONS WHO ALIGN THEMSELVES WITH THE WESLEYAN CHRISTIAN DOCTRINE. 0 0 TO ENCOURAGE BIBLICAL STEWARDSHIP AND TO REACH, SERVE, AND TEACH OUR MEMBERS. WE DO THIS BY PROVIDING FINANCIAL SERVICES INCLUDING SAVINGS DEPOSITS, CHECKING, AND ALL DEPOSIT RELATED SERVICES, PROVIDING FINANCING THROUGH LOANS TO MEMBERS, AND BY EDUCATING MEMBERS IN RESPONSIBLE STEWARDSHIP PRINCIPLES. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 0 0 0 0 0 0 0 1 0 0 0 1 5813 0 1 109 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 CA X VICKI VANNBERSTEIN 6262085400 2100 E ROUTE 66 GLENDORA CA 91740 VICKI VANNBERSTEIN PRESIDENT & CEO 40.00 X 484371 0 41118 NICOLETTE HARMS SVP/CFO 40.00 X 233467 0 26665 JERRY PHAM VP/CHIEF INFORMATION OFFICER 40.00 X 200486 0 29245 EVAMARIE PISANI VP/CHIEF MEMBER SERVICES OFFICER 40.00 X 184221 0 16944 ANDREW CASANOVA VP/CHIEF MEMBER ACQUISITION OFFICER 40.00 X 161054 0 29451 TIMOTHY TRERISE VP/IT 40.00 X 157186 0 28880 CORY MILLER VP CORPORATE LENDING 40.00 X 154976 0 29859 SCOTT DEPRAT VP DIGITAL PRODUCTS 40.00 X 159818 0 22226 DOUG WARREN INFORMATION SECURITY OFFICER 40.00 X 157496 0 18585 PATRICK LANGILLE SVP/COO 40.00 X 154098 0 11635 TERRI SNYDER SVP/COO (THRU 2/2022) 40.00 X 106968 0 8030 BARBARA DICKERSON CHAIRMAN 2.00 X X 0 0 0 KEVIN MANNOIA CHAIRMAN (THRU 4/22) 2.00 X X 0 0 0 LISA PENBERTHY VICE CHAIR 2.00 X X 0 0 0 DAVID MORSE TREASURER 2.00 X X 0 0 0 JASON TAVAREZ SECRETARY 2.00 X X 0 0 0 SYLVIA NASH DIRECTOR 2.00 X 0 0 0 GEOFFREY FELLOWS DIRECTOR 2.00 X 0 0 0 NATHANIEL SHINE DIRECTOR 2.00 X 0 0 0 2154141 0 262638 27 0 1 0 Q2 PO BOX 678272 DALLAS TX 75267 EBANKING AND CLOUD SERVICES 645681 FISERV PO BOX 80123 CITY OF INDUSTRY CA 91716 CORE SYSTEM SERVICES 290736 CLEAN SWEEP JANITORIAL SERVICES 700 LIDO PARK DRIVE 17 NEWPORT BEACH CA 92663 JANITORIAL AND PROPERTY MANAGEMENT 247815 SALEM MEDIA GROUP INC PO BOX 845581 LOS ANGELES CA 900845581 ADVERTISING SERVICES 167510 RALPH RAMIREZ 888 N MAIN STREET UNIT 220 SANTA ANA CA 92701 CONSULTING SERVICES 131036 6 INTEREST FROM MEMBERS 522100 17434631 17434631 FEES & CHARGES 522100 4017089 4015677 1412 OTHER OPERATING INCOME 522100 2097687 2084011 13676 INTERCHANGE INCOME 522100 917262 917262 LOAN SERVICING INCOME 522100 343099 343099 24809768 1795262 1795262 1028604 704721 323883 323883 323883 458 0 458 458 458 26929371 24794680 15088 2119603 365465 2741512 1486588 7332805 173546 642876 657371 90406 117438 756231 978081 188661 951843 423821 228979 14475 384739 579575 138689 CORE SYSTEM EXPENSE 871635 VISA AND CHECK EXPENSES 691169 MISCELLANEOUS 475879 LOAN SERVICING 427845 441335 21160964 567151 541398 78588118 58085061 1135018 1780855 5027421 5043545 365919388 440550236 1047447 1254859 23403562 9708096 14279727 13695466 88153383 61954926 35035262 17035313 21199781 21900657 610952696 621842316 3342822 4656480 1146969 1219345 17750000 21000000 539400194 551758210 561639985 578634035 X 0 0 0 0 49312711 43208281 49312711 43208281 610952696 621842316 5768407 -11668660 -204177 0 X 0 0 0 3890000 3890000 7952717 2077648 5875069 7733147 5329230 2403917 2264677 1949232 315445 1563021 351986 1211035 13695466 MEMBER ACCOUNTS 551758210 551758210 1 ASSOCIATION OF CHRISTIAN SCHOOLS INTERNATIONAL 731 CHAPEL HILLS DR COLORADO SPRINGS CO 80920 956072567 501(C)(3) 80000 0 UNRESTRICTED NATIONAL CATHOLIC EDUCATIONAL ASSOCIATION 407 BICKSLER SQ SE LEESBURG VA 20175 530196616 501(C)(3) 33000 0 UNRESTRICTED ASSOCIATION OF CLASSICAL AND CHRISTIAN SCHOOLS INC PO BOX 9741 MOSCOW ID 83843 820486702 501(C)(3) 42551 0 UNRESTRICTED HOPE FOR THE HEART 2001 W PLANO PKWY SUITE 1000 PLANO TX 75074 752191528 501(C)(3) 30000 0 UNRESTRICTED CHRISTIAN LEADERSHIP ALLIANCE 101 ROPER CREEK DR GREENVILLE SC 29615 953451239 501(C)(3) 28985 0 UNRESTRICTED THE CHAMPION GROUP 695 SIGNAL VALLEY TRAIL CHELSEA AL 35043 472030694 501(C)(3) 25000 0 UNRESTRICTED LIFE PACIFIC UNIVERSITY 1100 W COVINA BLVD SAN DIMAS CA 91773 951684068 501(C)(3) 20000 0 UNRESTRICTED NATIONAL COUNCIL FOR ADOPTION 431 N LEE STREET ALEXANDRIA VA 22314 751721671 501(C)(3) 15000 0 UNRESTRICTED CHURCH OF THE NAZARENE 17001 PRAIRIE STAR PARKWAY LENEXA KS 66220 436890529 501(C)(3) 13000 0 UNRESTRICTED POINT LOMA NAZARENE UNIVERSITY 3900 LOMALAND DRIVE SAN DIEGO CA 91206 951644035 501(C)(3) 12500 0 UNRESTRICTED AZUSA PACIFIC UNIVERSITY 901 E ALOSTA AVE AZUSA CA 91702 951744369 501(C)(3) 10250 0 UNRESTRICTED CHRISTIAN ALLIANCE FOR ORPHANS 6723 WHITTIER AVENUE STE 202 MCLEAN VA 22101 261492375 501(C)(3) 10000 0 UNRESTRICTED 12 0 PART I, LINE 2: THE BOARD OF DIRECTORS DIRECTS THE AMOUNT OF AVAILABLE FUNDS FOR CHARITABLE GRANTS. ORGANIZATIONS ARE EVALUATED FOR MISSION ALIGNMENT AND OVERLAP WITH KEY OUTREACH INITIATIVES. ACCU DOES NOT CONDITION GRANTS ON SPECIFIC ACTIVITIES SO THEREFORE, NO ADDITIONAL MONITORING AFTER GRANTING. X X X 0 1 0 VICKI VANNBERSTEIN PRESIDENT & CEO 425338 0 28823 0 30210 0 12200 0 28918 0 525489 0 0 0 NICOLETTE HARMS SVP/CFO 212640 0 16409 0 4418 0 8553 0 18112 0 260132 0 0 0 JERRY PHAM VP/CHIEF INFORMATION OFFICER 191916 0 7604 0 966 0 3714 0 25531 0 229731 0 0 0 EVAMARIE PISANI VP/CHIEF MEMBER SERVICES OFFICER 168796 0 11436 0 3989 0 4169 0 12775 0 201165 0 0 0 ANDREW CASANOVA VP/CHIEF MEMBER ACQUISITION OFFICER 150631 0 9773 0 650 0 6340 0 23111 0 190505 0 0 0 TIMOTHY TRERISE VP/IT 145932 0 10416 0 838 0 6124 0 22756 0 186066 0 0 0 CORY MILLER VP CORPORATE LENDING 140917 0 11698 0 2361 0 5828 0 24031 0 184835 0 0 0 SCOTT DEPRAT VP DIGITAL PRODUCTS 139978 0 8942 0 10898 0 5324 0 16902 0 182044 0 0 0 DOUG WARREN INFORMATION SECURITY OFFICER 141431 0 9846 0 6219 0 5464 0 13121 0 176081 0 0 0 PATRICK LANGILLE SVP/COO 152898 0 1200 0 0 0 0 0 11635 0 165733 0 0 0 PART I, LINE 4B THE CREDIT UNION ADOPTED A 457(F) EXECUTIVE RETIREMENT PLAN WHICH PROVIDES BENEFITS TO DESIGNATED EXECUTIVES. THERE WERE NO DISTRIBUTIONS OR CONTRIBUTIONS DURING 2022. THE CREDIT UNION ENTERED INTO SPLIT-DOLLAR LIFE INSURANCE ARRANGEMENTS WITH CERTAIN EXECUTIVE EMPLOYEES DURING 2022, WHEREBY THE CREDIT UNION FUNDS THE PREMIUM PAYMENTS ON THE UNDERLYING INSURANCE POLICIES AND THE SENIOR EXECUTIVE OFFICER IN TURN COLLATERALLY ASSIGNS THE POLICY TO THE CREDIT UNION. VICKI VANNBERSTEIN PRESIDENT & CEO SPLIT DOLLAR LOAN X 2500000 2513108 0 1 1 NICOLETTE HARMS SVP/CFO SPLIT DOLLAR LOAN X 2525000 2530437 0 1 1 5043545 SCHEDULE L, PART II THE CREDIT UNION ENTERED INTO SPLIT-DOLLAR LIFE INSURANCE ARRANGEMENTS WITH CERTAIN EXECUTIVE EMPLOYEES DURING 2022, WHEREBY THE CREDIT UNION FUNDS THE PREMIUM PAYMENTS ON THE UNDERLYING INSURANCE POLICIES AND THE SENIOR EXECUTIVE OFFICER IN TURN COLLATERALLY ASSIGNS THE POLICY TO THE CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 1A THE BOARD OF DIRECTORS MAY APPOINT AN EXECUTIVE COMMITTEE OF NO FEWER THAN THREE (3) DIRECTORS, AND DELEGATE TO SUCH COMMITTEE THE POWER TO APPROVE MEMBERSHIP APPLICATIONS. WITH THE WRITTEN APPROVAL OF THE COMMISSIONER, THE EXECUTIVE COMMITTEE MAY ACT FOR THE BOARD OF DIRECTORS IN THE PURCHASE AND SALE OF SECURITIES, INVESTMENT AND WITHDRAWAL OF FUNDS, IN BORROWING FUNDS AND IN MAKING LOANS TO OTHER CREDIT UNIONS IN ACCORDANCE WITH APPLICABLE LAW AND REGULATIONS. FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION HAS MEMBERS. THE FIELD OF MEMBERSHIP SHALL BE LIMITED TO THOSE HAVING THE FOLLOWING COMMON BOND: CHURCHES, MINISTRIES AND SCHOOLS ALIGNED WITH WESLEYAN CHRISTIAN DOCTRINE; MINISTERS, EMPLOYEES, MEMBERS, OFFICERS, TEACHERS, STUDENTS AND OTHERS IN THESE CHURCHES, SCHOOLS AND ORGANIZATIONS; ORGANIZATIONS OF SUCH PERSONS; EMPLOYEES OF THIS CREDIT UNION; IMMEDIATE FAMILY MEMBERS LIVING IN A MEMBER OF THIS CREDIT UNION'S HOME; AND, OTHER CREDIT UNIONS ORGANIZED UNDER EITHER FEDERAL OR STATE LAWS APPERTAINING TO CREDIT UNIONS. 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 CERTAIN DECISIONS MUST BE APPROVED BY THE MEMBERSHIP. 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 WHEN HIRED, ALL STAFF ARE REQUIRED TO READ AND SIGN A CODE OF CONDUCT POLICY WHICH OUTLINES IN DETAIL THE BEHAVIOR EXPECTATIONS OF THE STAFF, INCLUDING CONFLICT OF INTEREST. THIS CODE OF CONDUCT INCORPORATED THE CALIFORNIA CREDIT UNION LEAGUE'S CODE OF ETHICS. ALL NEW STAFF ARE ALSO REQUIRED TO DISCLOSE IN WRITING ANY RELATED PARTY ACCOUNTS AT THE CREDIT UNION SO THEY CAN BE CODED AND RESTRICTED FROM ACCESS. PERIODICALLY STAFF ARE ASKED TO UPDATE THIS LIST OF RELATED PARTY ACCOUNTS. STAFF ACCOUNTS AND ACCOUNTS OF RELATED PARTIES OF STAFF ARE CODED AS SUCH IN OUR CORE SYSTEM. VERAFIN SOFTWARE PERFORMS CONSTANT BSA AND FRAUD ANALYTICS TO DETECT TRANSACTIONS THAT WOULD INDICATE SUSPICIOUS ACTIVITY. FORM 990, PART VI, SECTION B, LINE 15 THE ORGANIZATION USES THE COMPEASE SYSTEM WHICH PROVIDES REGIONAL CREDIT UNION SALARY DATA TO BENCHMARK ALL STAFF WAGES. ANNUAL WAGE INCREASES ARE BASED ON EMPLOYEE PERFORMANCE SCORES AND WHERE THE EMPLOYEE FALLS WITHIN THE WAGE RANGE PROVIDED BY THE COMPEASE SYSTEM FOR COMPARABLE JOB GRADES. THE BOARD OF DIRECTORS DETERMINES AND APPROVES THE COMPENSATION OF THE CEO AND THE INCENTIVE PLAN FOR ALL STAFF. THE CEO MAKES COMPENSATION DECISIONS FOR OTHER OFFICERS AND KEY EMPLOYEES AND USES THE COMPEASE COMPENSATION SYSTEM AS A FRAMEWORK. COMPENSATION DECISIONS ARE DOCUMENTED IN THE EMPLOYEE'S PERSONNEL FILE. FORM 990, PART VI, SECTION C, LINE 19 GOVERNING DOCUMENTS AND THE CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST. MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE ORGANIZATION'S BRANCH. THE ANNUAL FINANCIAL STATEMENT IS INCLUDED IN THE PUBLISHED ANNUAL REPORT POSTED ON THE ORGANIZATION'S WEBSITE. FINANCIAL STATEMENTS ARE ALSO AVAILABLE UPON REQUEST. ACCU FINANCIAL LLC 2100 E ROUTE 66 SUITE 102 GLENDORA CA 91740 831239109 HOLDING COMPANY CA 0 422959 AMERICA'S CHRISTIAN CREDIT UNION SHARETEK LLC 2100 E ROUTE 66 SUITE 102 GLENDORA CA 91740 831268218 CUSO ORGANIZATION CREATED TO FACILITATE HEALTH CARE SHARING CA 574956 379337 ACCU FINANCIAL LLC