CREDIT UNIONS IN THE STATE OF CALIFORNIA: Form 990, tax year 2017

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS IN THE STATE OF CALIFORNIA (EIN 94-1326959)
Tax period: 2017-01-01 to 2017-12-31
Filed: 2018-04-26
IRS object ID: 201821169349300842
Schema version: 2017v2.2
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
Form 990
Schedule C
Schedule D
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2018-04-26T12:09:42-07:00	ReturnTs
Tax Period End	2017-12-31	TaxPeriodEndDt
Return Type	990	ReturnTypeCd
Tax Period Begin	2017-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	941326959	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CREDIT UNIONS IN THE STATE OF CALIFORNIA	BusinessNameLine1Txt
Business Name Line2	FINANCIAL CENTER CREDIT UNION	BusinessNameLine2Txt

Field	Value	IRS element (for citing)
Business Name Control	CRED	BusinessNameControlTxt
Phone	2099486024	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 208005	AddressLine1Txt
City	STOCKTON	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	95208	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	STEVE LEIGA	PersonNm
Person Title	Vice President	PersonTitleTxt
Signature	2018-04-26	SignatureDt

Field	Value	IRS element (for citing)
Tax	2017	TaxYr
Build TS	2022-09-23 18:48:47Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	MICHAEL DUFFY	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 208005	AddressLine1Txt
City	STOCKTON	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	95208	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$22,689,754	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
All Affiliates Included	false	AllAffiliatesIncludedInd
Group Exemption	1526	GroupExemptionNum
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.FCCUBURT.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1954	FormationYr
Legal Domicile State	CA	LegalDomicileStateCd
Activity Or Mission	TO PROVIDE CREDIT UNION SERVICE TO MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	5	VotingMembersGoverningBodyCnt
Voting Members Independent	4	VotingMembersIndependentCnt
Total Employee	129	TotalEmployeeCnt
Total Volunteers	9	TotalVolunteersCnt
Total Gross UBI	$77,532	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$25,103	NetUnrelatedBusTxblIncmAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$18,497,162	PYProgramServiceRevenueAmt
CY Program Service Revenue	$18,446,195	CYProgramServiceRevenueAmt
PY Investment Income	$3,341,564	PYInvestmentIncomeAmt
CY Investment Income	$4,166,027	CYInvestmentIncomeAmt
PY Other Revenue	$70,106	PYOtherRevenueAmt
CY Other Revenue	$77,532	CYOtherRevenueAmt
PY Total Revenue	$21,908,832	PYTotalRevenueAmt
CY Total Revenue	$22,689,754	CYTotalRevenueAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$3,210,748	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$3,561,448	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$6,928,979	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$6,759,442	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$9,349,236	PYOtherExpensesAmt
CY Other Expenses	$9,268,805	CYOtherExpensesAmt
PY Total Expenses	$19,488,963	PYTotalExpensesAmt
CY Total Expenses	$19,589,695	CYTotalExpensesAmt
PY Revenues Less Expenses	$2,419,869	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$3,100,059	CYRevenuesLessExpensesAmt
Total Assets BOY	$457,113,881	TotalAssetsBOYAmt
Total Assets EOY	$484,030,485	TotalAssetsEOYAmt
Total Liabilities BOY	$367,147,794	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$390,953,429	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$89,966,087	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$93,077,056	NetAssetsOrFundBalancesEOYAmt
Mission	TO PROVIDE CREDIT UNION SERVICE TO MEMBERS.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	FINANCIAL CENTER CREDIT UNION SERVES 32,000 MEMBERS WITH $484 MILLION IN ASSETS, $176 MILLION IN LOANS TO MEMBERS, AND $379 MILLION IN MEMBER DEPOSITS AS OF 12-31-17.	Desc
Described In Section501c3	false	DescribedInSection501c3Ind
Schedule B Required	false	ScheduleBRequiredInd
Political Campaign Acty	Yes (true)	PoliticalCampaignActyInd
Subject To Proxy Tax	false	SubjectToProxyTaxInd
Donor Advised Fund	false	DonorAdvisedFundInd
Conservation Easements	false	ConservationEasementsInd
Collections Of Art	false	CollectionsOfArtInd
Credit Counseling	Yes (true)	CreditCounselingInd
Temp Or Permanent Endowments	false	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (true)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	Yes (true)	ReportInvestmentsOtherSecInd
Report Program Related Invst	false	ReportProgramRelatedInvstInd
Report Other Assets	false	ReportOtherAssetsInd
Report Other Liabilities	Yes (true)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	false	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	false	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	false	ConsolidatedAuditFinclStmtInd
School Operating	false	SchoolOperatingInd
Foreign Office	false	ForeignOfficeInd
Foreign Activities	false	ForeignActivitiesInd
More Than5000 K To Org	false	MoreThan5000KToOrgInd
More Than5000 K To Individuals	false	MoreThan5000KToIndividualsInd
Professional Fundraising	false	ProfessionalFundraisingInd
Fundraising Activities	false	FundraisingActivitiesInd
Gaming Activities	false	GamingActivitiesInd
Operate Hospital	false	OperateHospitalInd
Grants To Organizations	false	GrantsToOrganizationsInd
Grants To Individuals	false	GrantsToIndividualsInd
Schedule J Required	Yes (true)	ScheduleJRequiredInd
Tax Exempt Bonds	false	TaxExemptBondsInd
Invest Tax Exempt Bonds	false	InvestTaxExemptBondsInd
Escrow Account	false	EscrowAccountInd
On Behalf Of Issuer	false	OnBehalfOfIssuerInd
Loan Outstanding	false	LoanOutstandingInd
Grant To Related Person	false	GrantToRelatedPersonInd
Business Rln With Org Mem	false	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	Yes (true)	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	false	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	false	DeductibleNonCashContriInd
Deductible Art Contribution	false	DeductibleArtContributionInd
Terminate Operations	false	TerminateOperationsInd
Partial Liquidation	false	PartialLiquidationInd
Disregarded Entity	false	DisregardedEntityInd
Related Entity	false	RelatedEntityInd
Related Organization Ctrl Ent	false	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
IRP Document	27035	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (true)	BackupWthldComplianceInd
Employee	129	EmployeeCnt
Employment Tax Returns Filed	Yes (true)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (true)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (true)	Form990TFiledInd
Foreign Financial Account	false	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTransInd
Taxable Party Notification	false	TaxablePartyNotificationInd
Nondeductible Contributions	false	NondeductibleContributionsInd
DAF Excess Business Holdings	false	DAFExcessBusinessHoldingsInd
Taxable Distributions	false	TaxableDistributionsInd
Distribution To Donor	false	DistributionToDonorInd
Org Filed In Lieu Of Form1041	false	OrgFiledInLieuOfForm1041Ind
Licensed More Than One State	false	LicensedMoreThanOneStateInd
Indoor Tanning Services	false	IndoorTanningServicesInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	5	GoverningBodyVotingMembersCnt
Independent Voting Member	4	IndependentVotingMemberCnt
Family Or Business Rln	Yes (true)	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	false	DelegationOfMgmtDutiesInd
Change To Org Documents	false	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	false	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (true)	MembersOrStockholdersInd
Election Of Board Members	Yes (true)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (true)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (true)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (true)	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	Yes (true)	LocalChaptersInd
Policies Reference Chapters	Yes (true)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	Yes (true)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (true)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (true)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (true)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (true)	WhistleblowerPolicyInd
Document Retention Policy	Yes (true)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (true)	CompensationProcessCEOInd
Compensation Process Other	Yes (true)	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	CA	StatesWhereCopyOfReturnIsFldCd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	STEVE LEIGA	PersonNm
Phone	2099486024	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	18 S CENTER ST	AddressLine1Txt
City	STOCKTON	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	95202	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (7 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Key EmployeeKeyEmployeeInd
MICHAEL DUFFY
President & CEO	55.00	0.00	Yes (X)	Yes (X)	$618,841	$0	$60,891
ERIN GUY-CASTILLO
Director	1.00	0.00	Yes (X)		$0	$0	$0
MARY WEBB
Chairman	1.00	0.00	Yes (X)	Yes (X)	$0	$0	$0
JOHN VERA
Director	1.00	0.00	Yes (X)		$0	$0	$0
MANUEL LOPEZ
Director	1.00	0.00	Yes (X)		$0	$0	$0
NORA STROH
EXECUTIVE VP/COO	55.00	0.00			$285,078	$0	$101,858	Yes (X)
STEVE LEIGA
VP ACCT & FIN	55.00	0.00			$239,955	$0	$105,119	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,143,874	TotalReportableCompFromOrgAmt
Total Other Compensation	$267,868	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	3	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (true)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
FISERV
PO BOX 80123	CITY OF INDUSTRY	CA	91716	DATA PROCESSING	$467,532
PRESORT
3806 CORONADO AVE	STOCKTON	CA	95204	STMT AND MAIL SVCS	$413,153
FISERV EFT SOLUTION
PO BOX 60000	SAN FRANCISCO	CA	94160	CARD SERVICES	$683,905
HANLEY CONSTRUCTION
PO BOX 808	STOCKTON	CA	95201	CONTRACTOR	$785,483
AT&T
PO BOX 5019	CAROL STREAM	IL	60197	DATA LINE	$339,103

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	5	CntrctRcvdGreaterThan100KCnt
Total Contributions	$0	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
FEES AND CHARGES	524292	$4,982,516	$4,982,516
INCOME FROM LOANS	900099	$13,013,528	$13,013,528
OTHER INCOME	900099	$450,151	$450,151

Field	Value	IRS element (for citing)
Total Program Service Revenue	$18,446,195	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$4,166,027	TotalRevenueColumnAmt
Exclusion	$4,166,027	ExclusionAmt

Incm From Invest Bond Proceeds IncmFromInvestBondProceedsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Royalties Revenue RoyaltiesRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Incm From Fundraising Evt NetIncmFromFundraisingEvtGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Income From Gaming NetIncomeFromGamingGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Field	Value	IRS element (for citing)
Gross Sales Of Inventory	$77,532	GrossSalesOfInventoryAmt

Net Income Or Loss NetIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$77,532	TotalRevenueColumnAmt
Unrelated Business Revenue	$77,532	UnrelatedBusinessRevenueAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$0	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$22,689,754	TotalRevenueColumnAmt
Related Or Exempt Func Income	$18,446,195	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$77,532	UnrelatedBusinessRevenueAmt
Exclusion	$4,166,027	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Foreign Grants ForeignGrantsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$3,561,448	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,411,742	TotalAmt

Comp Disqual Persons CompDisqualPersonsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$3,287,247	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$2,060,453	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Management FeesForServicesManagementGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Lobbying FeesForServicesLobbyingGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Prof Fundraising FeesForServicesProfFundraising

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$561,570	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$854,808	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$1,060,732	TotalAmt

Royalties RoyaltiesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,029,726	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Pymt Travel Entrtnmnt Pub Ofcl PymtTravelEntrtnmntPubOfclGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$486,151	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$82,633	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
ALL OTHER EXPENSE	$1,780,667
PROVISION FOR LOAN LOSS	$1,767,703
VISA	$1,036,384
ATM	$608,431

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$19,589,695	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$25,265,449	BOYAmt
EOY	$34,939,636	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$173,935,495	BOYAmt
EOY	$173,352,850	EOYAmt

Inventories For Sale Or Use InventoriesForSaleOrUseGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$13,531,862	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$5,557,465	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$7,628,737	BOYAmt
EOY	$7,974,397	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$245,374,410	BOYAmt
EOY	$262,293,416	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$4,909,790	BOYAmt
EOY	$5,470,186	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$457,113,881	BOYAmt
EOY	$484,030,485	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$8,957,585	BOYAmt
EOY	$11,553,621	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$12,521,101	BOYAmt
EOY	$11,594,696	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$345,669,108	BOYAmt
EOY	$367,805,112	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$367,147,794	BOYAmt
EOY	$390,953,429	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow SFAS117	Yes (X)	OrgDoesNotFollowSFAS117Ind

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$89,966,087	BOYAmt
EOY	$93,077,056	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$89,966,087	BOYAmt
EOY	$93,077,056	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$457,113,881	BOYAmt
EOY	$484,030,485	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$3,100,059	ReconcilationRevenueExpnssAmt
Other Changes In Net Assets	$10,910	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	Yes (true)	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 (true)	AuditCommitteeInd
Federal Grant Audit Required	false	FederalGrantAuditRequiredInd

Schedule C IRS990ScheduleC

Field	Value	IRS element (for citing)
Political Expenditures	$30,500	PoliticalExpendituresAmt
Internal Funds Contributed	$30,500	InternalFundsContributedAmt
Total Exempt Function Expend	$30,500	TotalExemptFunctionExpendAmt
Form1120 POL Filed	Yes (true)	Form1120POLFiledInd

Section527 Political Org Section527PoliticalOrgGrp (15 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	Paid Internal FundsPaidInternalFundsAmt
JESUS ANDRADE FOR CITY COUNCIL
2170 LYDIA BRADLEY ST	STOCKTON	CA	95206	$500
KATHTY MILLER FOR SUPERVISOR
6507 PACIFIC AVE	STOCTON	CA	95204	$2,500
CHRISTINA FUGAZI FOR CITY COUNCIL
PO BOX 4634	STOCTON	CA	95204	$250
NEWSOM FOR CALIFORNIA GOVERNOR
268 BUSH ST 4600	SAN FRANCISCO	CA	94104	$10,000
MICHAEL TUBBS FOR STOCKTON MAYOR
4921 ALEE LN	STOCKTON	CA	95206	$4,000
ELLIOTT FOR SENATE
3168 HUTTON PLACE	TRACY	CA	95377	$250
GALGIANI FOR STATE BOARD OF EQUAL
10011 FOLSOM BLVD 263	SACRAMENTO	CA	95827	$2,500
JAY WILVERDING FOR AUDITOR-CONTROL
3909 BAY VIEW COURT	STOCKTON	CA	95209	$500
TOM PETTI FOR SUPERVISOR
2229 STEWART STREET	STOCKTON	CA	95206	$500
CHUCK WINN FOR SUPERVISOR
330 ENCINITAS BLVD 101	ENCINITAS	CA	92024	$500
COMMITTEE TO ELECT STEVE MOORE
3520 BROOKSIDE RD STE 141	STOCKTON	CA	95219	$250
SUSAN LOFTHUS FOR CITY COUNCIL
1437 N MADISON STREET	STOCKTON	CA	95202	$2,000
CALIFORNIA CREDIT UNION LEAGUE PAC
1201 K STREET SUITE 1050	SACRAMENTO	CA	95814	$5,000
THE TRUMAN CLUB OF SAN JOAQUIN
PO BOX 693246	STOCKTON	CA	95269	$1,250
SOLDATI FOR JUDGE
PO BOX 690354	STOCKTON	CA	95269	$500

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Part I-A, Line 1 - Direct and Indirect Political Campaign Activities	FormAndLineReferenceDesc
Explanation	PART I-A, LINE 1:THE CREDIT UNION MAKES CONTRIBUTIONS TO POLITICAL CAMPAIGNS, MAY WALK DISTRICTS FOR CANDIDATES, AND MAY OFFER CREDIT UNION FACILITIES FOR USE OR PHONE BANK.	ExplanationTxt

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	false	AgentTrusteeEtcInd
Incl Escrow Custodial Acct Liab	Yes (true)	InclEscrowCustodialAcctLiabInd
Explanation Provided	Yes (X)	ExplanationProvidedInd

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,445,662	OtherCostOrOtherBasisAmt
Book Value	$1,445,662	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$10,462,040	OtherCostOrOtherBasisAmt
Depreciation	$4,836,126	DepreciationAmt
Book Value	$5,625,914	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,624,160	OtherCostOrOtherBasisAmt
Depreciation	$721,339	DepreciationAmt
Book Value	$902,821	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$7,974,397	TotalBookValueLandBuildingsAmt
Total Book Value Securities	$262,293,416	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARES	Desc
Amt	$367,805,112	Amt

Field	Value	IRS element (for citing)
Total Liability	$367,805,112	TotalLiabilityAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Part IV, Line 2b: Explanation of escrow account liability	FormAndLineReferenceDesc
Explanation	PART IV, LINE 2B: THE CREDIT UNION SERVES AS CUSTODIAN FOR IRA ACCOUNTS TOTALING $11,541,612 AND HAS AN ESCROW ACCOUNT LIABILITY OF $53,084 FOR REAL ESTATE ESCROW/IMPOUND ACCOUNTS.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
First Class Or Charter Travel	Yes (X)	FirstClassOrCharterTravelInd
Travel For Companions	Yes (X)	TravelForCompanionsInd
Club Dues Or Fees	Yes (X)	ClubDuesOrFeesInd
Written Policy Ref T And E Expnss	Yes (true)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (true)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	Yes (true)	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (true)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	false	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (3 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt
MICHAEL DUFFY
President & CEO	$425,437	$190,351	$3,053	$21,600	$39,291	$679,732
NORA STROH
EXECUTIVE VP/COO	$191,738	$91,898	$1,442	$75,781	$26,077	$386,936
STEVE LEIGA
VP ACCT & FIN	$163,966	$74,539	$1,450	$65,828	$39,291	$345,074

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc

ExplanationExplanationTxt

Part I, Line 1a: Relevant information in regards to selections on 1a.

PART I, LINE 1A: FIRST-CLASS TRAVEL - TRAVEL FOR BOARD AND EXECUTIVES WHERE FIRST CLASS TRAVEL IS AN OPTION AND WHEN DEEMED APPROPRIATE, HOWEVER, MOST AIR IS ON SOUTHWEST OR EQUIVALENT. TRAVEL FOR COMPANIONS - COMPANION TRAVEL IS PROVIDED WHEN APPROPRIATE.HEALTH/SOCIAL CLUB DUES - CORPORATE SOCIAL CLUB MEMBERSHIP IS PART OF COMMUNITY AND SMALL EMPLOYEE GROUP (SEG) RELATIONS.

Part III, Additional Information

PART I, LINE 4B: PARTICIPATION IN A 457(F) RETIREMENT PLAN - AMOUNTS REPORTED IN PART II, COLUMN C "RETIREMENT AND OTHER DEFERRED COMPENSATION" INCLUDES 457(F) RETIREMENT PLAN FUNDING. AMOUNTS ARE ACCRUED BUT NOT YET PAID OUT. ACCRUED AMOUNTS ARE AT SUBSTANTIAL RISK OF FORFEITURE AND ARE SCHEDULED TO BE PAID OUT IN FUTURE DISTRIBUTIONS. THE FOLLOWING INDIVIDUALS PARTICIPATED IN THE PLAN: NORA STROH, EXECTUTIVE VP/COO AND STEVE LEIGA, VP ACCOUNTING & FINANCE.

Schedule L IRS990ScheduleL

Bus Tr Involve Interested Prsn BusTrInvolveInterestedPrsnGrp (2 entries)

Relationship DescriptionRelationshipDescriptionTxt	TransactionTransactionAmt	TransactionTransactionDesc	Sharing Of RevenuesSharingOfRevenuesInd
MICHAEL DUFFY
SIBLING	$679,732	COMPENSATION	false
NORA STROH
SIBLING	$386,935	COMPENSATION	false

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Schedule L, Part V Supplemental Information	FormAndLineReferenceDesc
Explanation	SCH L, PART IV, BUSINESS TRANSACTIONS INVOLVING INTERESTED PERSONS:(A) NAME OF PERSON: MICHAEL DUFFY(B) RELATIONSHIP BETWEEN INTERESTED PERSON AND ORGANIZATION:BROTHER OF NORA STROH, COO/EXECUTIVE VP(D) DESCRITION OF TRANSACTION: COMPENSATION PAYMENTS BY THE ORGANIZATION TO A FAMILY MEMBER OF AN OFFICER.(A) NAME OF PERSON: NORA STROH(B) RELATIONSHIP BETWEEN INTERESTED PERSON AND ORGANIZATION:SISTER OF MICHAEL DUFFY, PRESIDENT/CEO(D) DESCRIPTION OF TRANSACTION: COMPENSATION PAYMENTS BY THE ORGANIZATION TO A FAMILY MEMEMBER OF AN OFFICER.	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (10 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Client Note 1	Client Note 1 - SCHEDULE D, PART VII:(A) SECURITIES - AFT 1,308,949 - END-OF-YEAR MARKET VALUE(B) SECURITIES - AFS 236,384,467 - END-OF-YEAR MARKET VALUE(C) FED FUNDS 24,000,000 - END-OF-YEAR MARKET VALUE(D) CAPITAL SHARES 600,000 - END-OF-YEAR MARKET VALUE
Form 990, Part VI, Line 2: Description of Business or Family Relationship of Officers, Directors, Et	FORM 990, PART VI, SECTION A LINE 2: THE PRESIDENT/CEO, MICAHEL DUFFY, AND THE EXECUTIVE VP/COO, NORA STROH ARE SIBLINGS.
Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder	FORM 990, PART VI, SECTION A, LINE 6: THE CREDIT UNION'S MEMBER HAVE RIGHT TO ELECT THE MEMBERS OF THE GOVERNING BODY. THE CREDIT UNION'S MEMBERS ALSO RECEIVE A SHARE OF THE ORGANIZATION'S PROFITS IN THE FORM OF CASH DIVIDENDS.
Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body	FORM 990, PART VI, SECTION A, LINE 7A: MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALY, AS VACANCIES ARISE, OR OTHERWISE.
Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders	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, Line 11b: Form 990 Review Process	FORM 990, PART VI, SECTION B, LINE 11: FORM 990 IS REVIEW BY THE CEO AND VP&FIN PRIOR TO FILLING AND A COPY IS PROVIDED TO THE BOARD FOR REVIEW AND DISCUSSION PRIOR TO FILING WITH THE IRS.
Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts	FORM 990, PART VI, SECTION B, LINE 12C: THE CONFLICT OF INTEREST POLICY IS MONITORED THROUGH TRAINING AND POLICY REVIEW. VOLUNTEERS READ AND SIGN A CODE OF CONDUCT FORM ANNUALLY.
Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management	FORM 990, PART VI, SECTION B, LINE 15: COMPENSATION IS PERFORMANCE BASED. COMPENSATION SURVEYS ARE USED TO SET COMPENSATION LEVELS, AS WELL AS AN INDEPENDENT THIRD PARTY REVIEW AND REVIEW AND APPROVAL OF THE EXECUTIVE BENEFITS COMMITTEE.
Form 990, Part VI, Line 19: Other Organization Documents Publicly Available	FORM 990, PART VI, SECTION C, LINE 19: CERTAIN DOCUMENTS ARE AVAILABLE FOR REVIEW UPON REQUEST. A LOBBY NOTICE IS POSTED IN EACH BRANCH.
Other Changes In Net Assets Or Fund Balances - Other Increases	CHANGE IN REGULAR RESERVES = $10910