2025-09-10T12:00:10-05:00 2024-12-31 994260840 DOEREN MAYHEW 8785 SW 165TH AVENUE SUITE 303 MIAMI FL 33193 990 2024-01-01 940335800 1ST UNITED CREDIT UNION 1STU 9255984837 PO BOX 11746 PLEASANTON CA 94588 STEPHEN M STONE PRESIDENT/CEO 9255984702 2025-09-09 1 0 AUBREY CLEGG P01076395 3052328272 2025-09-08 2024 2025-03-06 01:10:19Z STEPHEN M STONE PO BOX 11746 PLEASANTON CA 94588 60536741 0 1526 X WWW.1STUNITEDCU.ORG X 1932 CA TO PROVIDE A LIFETIME OF SIMPLER, FASTER, FRIENDLIER FINANCIAL SERVICES FOR OUR MEMBERS. 9 9 187 14 148008 0 0 0 42931126 46236910 6218337 10065133 2020655 4234698 51170118 60536741 18915 32324 0 0 19952222 21205007 0 0 0 26398164 31452123 46369301 52689454 4800817 7847287 1224510759 1212275788 1112373663 1088411240 112137096 123864548 X AT 1ST UNITED CREDIT UNION, WE ARE KNOWN IN THE COMMUNITY FOR OUR FINANCIAL EDUCATION PROGRAM. THE CREDIT UNION OFFERS FINANCIAL EDUCATION AND FRAUD PREVENTION SEMINARS ON-SITE AT LOCAL SCHOOLS AND OTHER COMMUNITY MEETING PLACES, AND SELF-STUDY MATERIALS ON OUR WEBSITE AT 1STUNITEDCU.ORG. 0 0 1ST UNITED CREDIT UNION OFFERS A COMPREHENSIVE PORTFOLIO OF SAVINGS AND LOAN PRODUCTS FOR MEMBERS. 1ST UNITED'S 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 CREDIT UNION OFFERS FINANCIAL PLANNING AND INVESTMENT SERVICES FOR OUR MEMBERS. THESE SERVICES ARE AVAILABLE TO ALL MEMBERS OF THE CREDIT UNION AND ARE DELIVERED THROUGH OASIS INVESTMENT, INC., A REGISTERED BROKER-DEALER. AT 1ST UNITED CREDIT UNION, WE ARE KNOWN IN THE COMMUNITY FOR OUR FINANCIAL EDUCATION PROGRAMS. THE CREDIT UNION OFFERS FINANCIAL EDUCATION AND FRAUD PREVENTION SEMINARS ON-SITE AT LOCAL SCHOOLS AND OTHER COMMUNITY MEETING PLACES, 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 1 0 0 0 0 0 0 0 0 0 0 0 0 1 16599 0 1 187 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 KEVIN POWERS BOD MEMBER 1.00 X 0 0 0 DAVE MACDONALD CHAIRPERSON 2.00 X 0 0 0 STEVE MANNING VICE CHAIRPERSON 1.00 X 8098 0 0 HOWARD GARRIGAN BOD MEMBER 1.00 X 0 0 0 PATRICK O'CONNELL BOD MEMBER 1.00 X 7563 0 0 VELETA SAVANNAH BOD MEMBER 1.00 X 10305 0 0 CYRIL BONANNO SECRETARY 1.00 X 13344 0 0 TERESITA LAUIGAN TREASURER 1.00 X 3887 0 0 JOAN JOHNSON BOD MEMBER 1.00 X 6082 0 0 STEPHEN STONE CEO 40.00 X 620594 0 34759 GANGA RADHAKRISHNAN CFO 40.00 X 291571 0 20206 TOSHA EAGLES-WILLIAMS CLO 40.00 X 294897 0 30967 JOANNA UHL CIO 40.00 X 272053 0 45835 LYNELL FRALEY CHRO 40.00 X 136886 0 14421 DERRICK FORTIER CRO 40.00 X 266531 0 51688 VERONICA RODRIGUEZ CHRO 40.00 X 160062 0 8949 CHARLENE A ALMERIA VP FINANCE & ACCOUNTING 40.00 X 193616 0 32620 SARAH CECCHIN SVP MARKETING & COMMUNICATIONS 40.00 X 193983 0 38069 CHRISTOPHER FOX VP ENTERPRISE APPLICATIONS 40.00 X 190298 0 16188 JAMES SANTIAGO VP IT 40.00 X 186040 0 24357 SHERYON HILL-SAVAGE VP ASSET RECOVERY 40.00 X 170409 0 22613 GOLDMAN LEE VP RETAIL SALES & EXPERIENCE 40.00 X 162080 0 42892 JEANNIE SUGAOKA VP COMPLIANCE AND RISK MANAGEMENT 40.00 X 164664 0 19722 LYNN DIGNON DIRECTOR OF PROJECT MANAGEMENT 40.00 X 165061 0 43039 WILFREDO DELA CRUZ VP LENDING 40.00 X 150678 0 30982 STEVEN J SCHIRO DIRECTOR OF DEVELOPMENT 40.00 X 175172 0 22887 BERNADETTE OSORIO VP INDIRECT LENDING 40.00 X 147158 0 41937 MIKIKO HIRUTA VP HUMAN RESOURCES 40.00 X 159068 0 21811 4150100 0 563942 39 0 1 0 JACK HENRY & ASSOCIATES INC PO BOX 609 MONETT MO 65708 CORE PROCESSOR 1279002 GATEWAY SERVICES GROUP LLC 7600 E ORCHAD ROAD SUITE 320N GREENWOOD VILLAGE CO 80111 INVESTMENT SERVICES 614590 INTEGRATED BUILDERS GROUPINC 5137 GOLDEN FOOTHILL PKWY SUITE 14 EL DORADO HILLS CA 95762 DESIGN-BUILD CONTRACTOR 469214 TPX COMMUNICATIONS PO BOX 509013 SAN DIEGO CA 92150 IT SERVICES 330887 BUSINESS DATA INC PO BOX 6081 INGLEWOOD CA 90312 STATEMENT SOLUTIONS 213858 32 INCOME ON LOANS 522100 42288776 42288776 FEES, CHARGES, OTHER 522100 3800126 3800126 FINANCE & INSURANCE 520000 148008 148008 46236910 10065133 10065133 OTHER OPERATING INCOME 522100 4234698 4234698 4234698 60536741 60388733 148008 0 X 32324 3756249 12703362 1034597 2480996 1229803 329540 206251 127560 50510 255598 991298 275773 3437786 1499344 15957 249613 13464736 119214 1104407 288716 PROVISION FOR LOAN LOSS 3253962 VISA DEBIT/CREDIT 1929342 LOAN SERVICING 834866 MAINTENANCE 673151 2344499 52689454 5668282 15055751 76126053 92503068 133580 133314 3258973 5967418 878276275 828969059 2593995 1524911 19469902 14151225 5859552 5318677 223562586 235092539 7501600 6875521 21529863 20835530 1224510759 1212275788 12754860 9998669 13630431 6968245 1085988372 1071444326 1112373663 1088411240 X 0 0 0 0 112137096 123864548 112137096 123864548 1224510759 1212275788 7847287 3880165 0 X X 0 1 X 1 0 10000 10000 10000 1 CALIFORNIA CREDIT UNION LEAGUE POLITICAL ACTION COMMITTEE 2855 E GUASTI ROAD SUITE 202 ONTARIO CA 917611249 940357265 10000 1760872 1760872 8740556 6548505 2192051 2272128 2062690 209438 6696346 5540030 1156316 5318677 REGULAR SHARES 302575746 SHARE DRAFTS 205221863 MONEY MARKET SHARES 184696453 SHARE CERTIFICATES 340100956 IRA/CD SHARES 38849308 1071444326 X 60536741 0 60536741 0 60536741 52689454 0 52689454 0 52689454 PART X, LINE 2: THE CREDIT UNION IS EXEMPT UNDER IRC 501(C)(14), FROM FEDERAL AND STATE INCOME TAXES. THE CREDIT UNION HAS FILED TAX RETURNS IN THE PAST FOR ACTIVITIES IT HAS DEEMED TAXABLE. THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES POTENTIALLY DEEMED TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2024, AND 2023. THE CREDIT UNION'S 2021 THROUGH 2023 TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES. 1 ALAMEDA COUNTY FOOD BANK PO BOX 2599 OAKLAND CA 94614 942960297 501(C)(3) 10208 0 TO ASSIST THE ORGANIZATION IN ITS MISSION TO END HUNGER AND POVERTY. TOYS FOR TOTS 2144 CLEMENT AVE ALAMEDA CA 94501 203021444 501(C)(3) 0 11745 ACTUAL COST TOYS PURCHASED FROM TARGET TO ASSIST THE ORGANIZATION IN ITS MISSION TO PROVIDE TOYS AND BOOKS TO AMERICA'S LESS FORTUNATE CHILDREN. 2 0 PART I, LINE 2: THESE ARE CHARITABLE CONTRIBUTIONS (NOT GRANTS) TO ESTABLISHED AND REPUTABLE 501(C)(3) ORGANIZATIONS. THEREFORE, THERE IS NO SUBSEQUENT MONITORING BY THE CREDIT UNION. X X X X 0 0 0 STEPHEN STONE CEO 567401 0 51000 0 2193 0 24150 0 10609 0 655353 0 0 0 TOSHA EAGLES-WILLIAMS CLO 291704 0 1000 0 2193 0 20524 0 10443 0 325864 0 0 0 DERRICK FORTIER CRO 263652 0 500 0 2379 0 19186 0 32502 0 318219 0 0 0 JOANNA UHL CIO 270230 0 650 0 1173 0 19539 0 26296 0 317888 0 0 0 GANGA RADHAKRISHNAN CFO 288541 0 450 0 2580 0 20206 0 0 0 311777 0 0 0 SARAH CECCHIN SVP MARKETING & COMMUNICATIONS 192786 0 600 0 597 0 13877 0 24192 0 232052 0 0 0 CHARLENE A ALMERIA VP FINANCE & ACCOUNTING 192626 0 400 0 590 0 13779 0 18841 0 226236 0 0 0 JAMES SANTIAGO VP IT 184932 0 600 0 508 0 13103 0 11254 0 210397 0 0 0 LYNN DIGNON DIRECTOR OF PROJECT MANAGEMENT 163838 0 450 0 773 0 12022 0 31017 0 208100 0 0 0 CHRISTOPHER FOX VP ENTERPRISE APPLICATIONS 188776 0 650 0 872 0 13443 0 2745 0 206486 0 0 0 GOLDMAN LEE VP RETAIL SALES & EXPERIENCE 160752 0 1000 0 328 0 10390 0 32502 0 204972 0 0 0 STEVEN J SCHIRO DIRECTOR OF DEVELOPMENT 174509 0 350 0 313 0 12278 0 10609 0 198059 0 0 0 SHERYON HILL-SAVAGE VP ASSET RECOVERY 167207 0 1000 0 2202 0 12004 0 10609 0 193022 0 0 0 BERNADETTE OSORIO VP INDIRECT LENDING 146208 0 650 0 300 0 10920 0 31017 0 189095 0 0 0 JEANNIE SUGAOKA VP COMPLIANCE AND RISK MANAGEMENT 160354 0 500 0 3810 0 9602 0 10120 0 184386 0 0 0 WILFREDO DELA CRUZ VP LENDING 149478 0 900 0 300 0 10891 0 20091 0 181660 0 0 0 MIKIKO HIRUTA VP HUMAN RESOURCES 158150 0 500 0 418 0 11202 0 10609 0 180879 0 0 0 VERONICA RODRIGUEZ CHRO 159330 0 350 0 382 0 7576 0 1373 0 169011 0 0 0 LYNELL FRALEY CHRO 135903 0 0 0 983 0 7472 0 6949 0 151307 0 0 0 SARAH CECCHIN SVP MARKETING & COMMUNICATIONS AUTO NEW X 55350 41165 0 1 1 SARAH CECCHIN SVP MARKETING & COMMUNICATIONS HOME EQUITY LOAN X 125000 108129 0 1 1 SARAH CECCHIN SVP MARKETING & COMMUNICATIONS FIXED FIRST MORTGAGE X 1150000 1074851 0 1 1 JAMES SANTIAGO VP IT AUTO REFINANCE X 12169 1962 0 1 1 JAMES SANTIAGO VP IT HOME EQUITY LINE OF CREDIT X 42900 41674 0 1 1 DERRICK FORTIER CRO FIXED FIRST MORTGAGE X 680000 620858 0 1 1 JEANNIE SUGAOKA VP COMPLIANCE & RISK MANAGEMENT FIXED FIRST MORTGAGE X 180000 116563 0 1 1 GANGA RADHAKRISHNAN CFO AUTO NEW X 47000 22532 0 1 1 WILFREDO DELA CRUZ VP LENDING FIXED FIRST MORTGAGE X 801910 702676 0 1 1 GANGA RADHAKRISHNAN CFO HOME EQUITY LINE OF CREDIT X 400000 347539 0 1 1 JEANNIE SUGAOKA VP COMPLIANCE & RISK MANAGEMENT HOME EQUITY LINE OF CREDIT X 200000 47174 0 1 1 MIKIKO HIRUTA VP HUMAN RESOURCES INDIRECT AUTO NEW X 25399 4150 0 1 1 JILLIAN BULWA VP DEVELOPMENT FIXED FIRST MORTGAGE X 755000 697804 0 1 1 TOSHA EAGLES-WILLIAMS CLO FIXED FIRST MORTGAGE X 1200000 1111484 0 1 1 JOANNA UHL CIO FIXED 7 1 ARM MORTGAGE X 1040000 1012279 0 1 1 SARAH CECCHIN SVP MARKETING & COMMUNICATIONS HOME EQUITY LINE OF CREDIT X 175000 11573 0 1 1 STEPHEN STONE CEO HOME EQUITY LOAN X 182000 5005 0 1 1 5967418 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 CHIEF FINANCIAL OFFICER 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 REMINDED AND 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 SHARE DRAFT 590,568. ATM EXPENSE 484,272. ASSET RECOVERY 353,798. HUMAN RESOURCES 233,665. OTHER OPERATING 183,467. ASI/DFPI ANNUAL ASSESSMENT 153,399. EMPLOYEE/MEMBER GOODWILL 123,776. TRAINING/DEVELOPMENT/EDUCATION 96,343. BOARD/SUPERVISORY COMMITTEE EXPENSE 51,440. SECURITY 47,068. S & D 26,703. 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.