2021-10-07T18:52:56-05:00 2020-12-31 382492570 DOEREN MAYHEW 12060 S W 129TH COURT STE 201 MIAMI FL 331864582 990 2020-01-01 940335800 1ST UNITED CREDIT UNION 1STU 9255984837 PO BOX 11746 PLEASANTON CA 94588 STEPHEN M STONE PRESIDENT/CEO 9255984702 2021-10-07 1 STEPHEN STONE 999009999 DOUGLAS J ORTH P01076394 3052328272 2 AAL1 IAL1 2020 2022-09-23 18:48:47Z X STEPHEN M STONE PO BOX 11746 PLEASANTON CA 94588 43404232 0 1526 X WWW.1STUNITEDCU.ORG X 1932 CA TO PROVIDE A LIFETIME OF SIMPLER, FASTER, FRIENDLIER FINANCIAL SERVICES FOR OUR MEMBERS. 9 9 173 14 146677 0 0 0 40360693 37218316 3897791 2775103 4075295 3410813 48333779 43404232 32574 16192 0 0 15564699 16822036 0 0 0 27188088 25375529 42785361 42213757 5548418 1190475 1121694517 1262958555 1008206922 1145398714 113487595 117559841 AT 1ST UNITED CREDIT UNION, WE ARE KNOWN IN THE COMMUNITY FOR OUR FINANCIAL EDUCATION PROGRAM. THE CREDIT UNION OFFERS FINANCIAL EDUCATION SEMINARS IN OUR BRANCHES, ON-SITE PROGRAMS AT LOCAL SCHOOLS AND SELF-STUDY MATERIALS ON OUR WEBSITE AT 1STUNITEDUC.ORG. 0 0 1ST UNITED SERVICES CREDIT UNION OFFERS A COMPREHENSIVE PORTFOLIO OF SAVINGS AND LOAN PRODUCTS FOR MEMBERS. 1ST UNITED SERVICES' PRODUCTS ARE AN EXCELLENT VALUE, COMPETITIVELY PRICED AND EASY TO PURCHASE. ALL OF OUR PRODUCTS ARE AVAILABLE TO MEMBERS THROUGH OUR EXTENSIVE BRANCH NETWORK, VIA OUR MEMBER SERVICES CALL CENTER OR ONLINE AT 1STUNITEDCU.ORG. 1ST UNITED SERVICES OFFERS FINANCIAL PLANNING AND INVESTMENT SERVICES FOR OUR MEMBERS. THESE SERVICES ARE AVAILABLE TO ALL MEMBERS OF THE CREDIT UNION AND ARE DELIVERED THROUGH CUSO FINANCIAL SERVICES, A REGISTERED BROKER-DEALER. AT 1ST UNITED SERVICES, WE ARE KNOWN IN THE COMMUNITY FOR OUR FINANCIAL EDUCATION PROGRAM. THE CREDIT UNION OFFERS FINANCIAL EDUCATION SEMINARS IN OUR BRANCHES, ON-SITE PROGRAMS AT LOCAL SCHOOLS AND SELF-STUDY MATERIALS ON OUR WEBSITE AT 1STUNITEDCU.ORG. 0 0 1 0 0 0 0 0 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 17954 0 1 173 1 1 1 0 0 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 1 0 CA X 1ST UNITED CREDIT UNION 9255984702 PO BOX 11746 PLEASANTON CA 94588 HOWARD T GARRIGAN CHAIRPERSON 4.00 X 8400 0 0 STEVE MANNING BOD MEMBER 2.00 X 9055 0 0 TERESITA LAUIGAN BOD MEMBER 2.00 X 8847 0 0 DAVE MACDONALD BOD MEMBER 2.00 X 8847 0 0 VELETA ALLEN BOD MEMBER 1.00 X 8400 0 0 RON THOMSEN BOD MEMBER 1.00 X 7409 0 0 PATRICK O'CONNELL BOD MEMBER 1.00 X 8400 0 0 SUSAN MURANISHI BOD MEMBER 1.00 X 8400 0 0 JOAN JOHNSON BOD MEMBER 1.00 X 1400 0 0 STEPHEN M STONE CEO 50.00 X 458926 0 27942 SCOTT BOLSTER CFO 45.00 X 221796 0 26497 GREGORY PULLIAM CAO 40.00 X 265934 0 22277 EDWARD RENTERIA COO 40.00 X 266325 0 26687 TOSHA EAGLES-WILLIAMS CLO 45.00 X 226570 0 15309 JOANNA UHL CIO 45.00 X 240941 0 22918 SARAH CECCHIN SVP MARKETING 45.00 X 173359 0 23787 KATE LAWRENCE VP OF FINANCE 40.00 X 165042 0 19537 LYNELL FRALEY CHRO 45.00 X 165692 0 24527 DERRICK FORTIER CRO 45.00 X 176823 0 32211 LYNN DIGNON DIRECTOR OF PROJECT MANAGEMENT 40.00 X 144273 0 17138 JAMES SANTIAGO VP IT 40.00 X 142098 0 17672 SHERYON HILL-SAVAGE VP ASSET RECOVERY 40.00 X 139492 0 17860 GOLDMAN LEE VP RETAIL OPERATIONS 40.00 X 133195 0 28017 DOLORES TREVINO VP STAFF DEVELOPMENT 40.00 X 130437 0 17118 3120061 0 339497 26 0 1 0 Q2 SOFTWARE INC PO BOX 205970 DALLAS TX 75320 ONLINE BANKING PROVIDER 1210248 INTEGRATED BUILDERS GROUP INC 5137 GOLDEN FOOTHILL EL DORADO HILLS CA 95762 GENERAL CONTRACTING 645809 FISERV INC PO BOX 208457 DALLAS TX 75320 CORE PROCESSOR 427016 BUSINESS DATA INC PO BOX 6081 INGLEWOOD CA 90312 STATEMENT PREP 270838 JACK HENRY & ASSOCIATES INC PO BOX 609 MONETT MO 65708 CORE PROCESSOR 270485 33 INCOME ON LOANS 522100 33564152 33564152 FEES, CHARGES, OTHER 522100 3507487 3507487 FINANCE & INSURANCE 520000 146677 146677 37218316 2775103 2775103 OTHER OPERATING INCOME 522100 3410813 3410813 3410813 43404232 43257555 146677 0 X 16192 2672258 10722024 847335 1681987 898432 112610 264767 106071 42500 352154 877098 407539 3903540 1493033 54796 30220 10592614 95002 1200671 304568 VISA DEBIT/CREDIT 1398677 PROVISION FOR LOAN LOSS 1104108 LOAN SERVICING 674076 MAINTENANCE 577363 1784122 42213757 5566811 5134526 136701391 170778451 165178 151735 849880946 806987463 1938666 1508450 19863489 10568916 8948860 9294573 100303031 250707308 3964100 4010800 14225534 14385249 1121694517 1262958555 3739489 4717651 1004467433 1140681063 1008206922 1145398714 X 0 0 0 0 113487595 117559841 113487595 117559841 1121694517 1262958555 1190475 2881771 0 X X 0 1 X 1 0 6336 6336 6336 1 CALIFORNIA CREDIT UNION LEAGUE POLITICAL ACTION COMMITTEE 2855 EAST GUASTI RD SUITE 202 ONTARIO CA 91761 6336 1760872 1760872 8437332 5360853 3076479 2451981 1361588 1090393 7213304 3846475 3366829 9294573 REGULAR SHARES 285446717 SHARE DRAFTS 184167062 MONEY MARKET SHARES 239761620 SHARE CERTIFICATES 381116193 IRA/CD SHARES 50189471 1140681063 X 43404232 0 43404232 0 43404232 42213757 0 42213757 0 42213757 PART X, LINE 2: THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE AND STATE TAX LAWS. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE "MORE LIKELY THAN NOT" STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN INTERNAL REVENUE CODE (IRC) SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (UBI) DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNING IN MARCH 2008, THE INTERNAL REVENUE SERVICE (IRS) RELEASED TECHNICAL ADVICE MEMORANDUMS (TAMS) TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UNRELATED BUSINESS INCOME TAX (UBIT). UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNION'S ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2018, 2017, AND 2016 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS. 1 ALAMEDA COUNTY FOOD BANK 7900 EDGEWATER DRIVE OAKLAND CA 94621 942960294 501(C)(3) 12926 FOOD BANK SERVICES 1 PART I, LINE 2: THIS DONATION WAS NOT A GRANT, BUT RATHER A CHARITABLE CONTRIBUTION. AS SUCH, THERE WAS NO MONITORING OF FUNDS CONTRIBUTED. X X X 0 0 0 STEPHEN M STONE CEO 431049 0 25600 0 2277 0 19950 0 7992 0 486868 0 0 0 EDWARD RENTERIA COO 262820 0 600 0 2905 0 15313 0 11374 0 293012 0 0 0 GREGORY PULLIAM CAO 259876 0 500 0 5558 0 15229 0 7048 0 288211 0 0 0 JOANNA UHL CIO 224495 0 15300 0 1146 0 5151 0 17767 0 263859 0 0 0 SCOTT BOLSTER CFO 219604 0 150 0 2042 0 15646 0 10851 0 248293 0 0 0 TOSHA EAGLES-WILLIAMS CLO 224854 0 600 0 1116 0 15309 0 0 0 241879 0 0 0 DERRICK FORTIER CRO 175799 0 150 0 874 0 12838 0 19373 0 209034 0 0 0 SARAH CECCHIN SVP MARKETING 172744 0 250 0 365 0 11959 0 11828 0 197146 0 0 0 LYNELL FRALEY CHRO 163908 0 300 0 1484 0 11292 0 13235 0 190219 0 0 0 KATE LAWRENCE VP OF FINANCE 163925 0 350 0 767 0 11545 0 7992 0 184579 0 0 0 LYNN DIGNON DIRECTOR OF PROJECT MANAGEMENT 143483 0 100 0 690 0 10068 0 7070 0 161411 0 0 0 GOLDMAN LEE VP RETAIL OPERATIONS 132400 0 550 0 245 0 8644 0 19373 0 161212 0 0 0 JAMES SANTIAGO VP IT 141564 0 250 0 284 0 9680 0 7992 0 159770 0 0 0 SHERYON HILL-SAVAGE VP ASSET RECOVERY 137708 0 600 0 1184 0 9868 0 7992 0 157352 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION HAS MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE CREDIT UNION MEMBERSHIP MAY PARTICIPATE IN ELECTION OF OFFICIALS. FORM 990, PART VI, SECTION A, LINE 7B MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR. FORM 990, PART VI, SECTION B, LINE 11B THE CHIEF HUMAN RESOURCES OFFICER AND VICE PRESIDENT CONTROLLER GATHER THE INFORMATION. THE CFO AND CEO REVIEW FORM 990. UPON COMPLETION, A COPY OF THE FORM IS MADE AVAILABLE TO EACH VOTING MEMBER OF THE BOARD PRIOR TO FILING. FORM 990, PART VI, SECTION B, LINE 12C THE CREDIT UNION'S CONFLICT OF INTEREST POLICY IS PROVIDED TO EMPLOYEES IN THE EMPLOYEE HANDBOOK. ANNUALLY, EMPLOYEES ARE REMINDEDAND ARE REQUIRED TO ACKNOWLEDGE IN WRITING THAT THEY HAVE READ THE POLICY, AS WELL AS THE OTHER SECTIONS IN THE HANDBOOK. MANAGERS ARE HELD ACCOUNTABLE TO MONITOR ADHERENCE TO THE POLICY AND TO ENSURE THEIR EMPLOYEES UNDERSTAND IT. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION AT THE CREDIT UNION IS GOVERNED BY A BOARD OF DIRECTORS APPROVED SALARY ADMINISTRATION POLICY. THE CREDIT UNION SETS COMPENSATION RANGES FOR ALL EMPLOYEES, INCLUDING OFFICERS AND KEY EMPLOYEES, USING A THIRD PARTY COMPENSATION CONSULTING FIRM. THIS THIRD PARTY ORGANIZATION PROVIDES COMPENSATION INFORMATION AND SALARY RANGES FOR COMPANIES NATIONWIDE. SALARY RANGES ARE DEVELOPED THROUGH NATIONWIDE, INDUSTRY-SPECIFIC COMPENSATION SURVEYS AND COMPENSATION BENCHMARKING FOR KEY POSITIONS. THE BOARD OF DIRECTORS APPROVE THE SALARY RANGES AND EVALUATE ANY ANNUAL CHANGES RECOMMENDED BY THE THIRD PARTY FIRM. SALARY LEVELS AND JOB GRADES FOR INDIVIDUAL POSITIONS ARE DETERMINED USING A JOB EVALUATION PROCESS PROVIDED BY THE THIRD PARTY FIRM. FORM 990, PART VI, SECTION C, LINE 19 GENERALLY, GOVERNING DOCUMENTS/POLICIES ARE NOT MADE AVAILABLE TO THE GENERAL PUBLIC OR TO MEMBERS. MONTHLY FINANCIAL RESULTS ARE PUBLICLY POSTED. FORM 990, PART IX, LINE 24E ATM EXPENSE 430,913. SHARE DRAFT 365,124. ASSET RECOVERY 288,616. OTHER OPERATING 195,899. ASI/DFPI ANNUAL ASSESSMENT 145,061. HUMAN RESOURCES 133,031. BOARD/SUPERVISORY COMMITTEE EXPENSE 81,120. TRAINING/DEVELOPMENT/EDUCATION 62,830. GOODWILL 48,311. SECURITY 31,502. S & D 1,715. 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.