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CREDIT UNIONS IN THE STATE OF CALIFORNIA: Form 990, tax year 2016

View the entire original 990 at ProPublica ↗

Organization
CREDIT UNIONS IN THE STATE OF CALIFORNIA (EIN 94-1244186)
Tax period
2016-01-01 to 2016-12-31
Filed
2017-11-15
IRS object ID
201713199349309121
Schema version
2016v3.0
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 ReturnHeader

FieldValueIRS element (for citing)
Return2017-11-15T12:55:56-06:00ReturnTs
Tax Period End2016-12-31TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

FieldValueIRS element (for citing)
Preparer Firm EIN410746749PreparerFirmEIN

Preparer Firm Name PreparerFirmName

FieldValueIRS element (for citing)
Business Name Line1CLIFTONLARSONALLEN LLPBusinessNameLine1Txt

Preparer US Address PreparerUSAddress

FieldValueIRS element (for citing)
Address Line120 E THOMAS RD STE 2300AddressLine1Txt
CityPHOENIXCityNm
State AbbreviationAZStateAbbreviationCd
ZIP85012ZIPCd
FieldValueIRS element (for citing)
Return Type990ReturnTypeCd
Tax Period Begin2016-01-01TaxPeriodBeginDt

Filer Filer

FieldValueIRS element (for citing)
EIN941244186EIN

Business Name BusinessName

FieldValueIRS element (for citing)
Business Name Line1REDWOOD CREDIT UNIONBusinessNameLine1Txt
FieldValueIRS element (for citing)
Business Name ControlREDWBusinessNameControlTxt
Phone8004797928PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line13033 CLEVELAND AVE SUITE 100AddressLine1Txt
CitySANTA ROSACityNm
State AbbreviationCAStateAbbreviationCd
ZIP95403ZIPCd

Business Officer BusinessOfficerGrp

FieldValueIRS element (for citing)
PersonALISA HEATHPersonNm
Person TitleCHIEF FINANCIAL & RISK OFFICERPersonTitleTxt
Phone8005454000PhoneNum
Signature2017-11-14SignatureDt
Discuss With Paid PreparerYes (1)DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

FieldValueIRS element (for citing)
Preparer PersonANNE B DAVISONPreparerPersonNm
PTINP00944246PTIN
Phone6022662248PhoneNum

Filing Security Information FilingSecurityInformation

IP Address IPAddress

FieldValueIRS element (for citing)
I Pv4 Address67.137.57.251IPv4AddressTxt
FieldValueIRS element (for citing)
IP2017-11-14IPDt
IP Tm17:14:35IPTm
IP TimezoneUSIPTimezoneCd
Filing License TypePFilingLicenseTypeCd
At Submission Creation Device IdE9F310E552A983DEE0D16D26B85D24D51800DFDAAtSubmissionCreationDeviceId
At Submission Filing Device Id4A3BE0F8FC7006E23FDCF21200B9E516042F541FAtSubmissionFilingDeviceId
FieldValueIRS element (for citing)
Tax2016TaxYr
Build TS2017-02-10 21:41:12ZBuildTS

Form 990 IRS990

FieldValueIRS element (for citing)
Principal OfficerALISA HEATHPrincipalOfficerNm

US Address USAddress

FieldValueIRS element (for citing)
Address Line13033 CLEVELAND AVE SUITE 100AddressLine1Txt
CitySANTA ROSACityNm
State AbbreviationCAStateAbbreviationCd
ZIP95403ZIPCd
FieldValueIRS element (for citing)
Gross Receipts$149,071,786GrossReceiptsAmt
Group Return For Affiliates0GroupReturnForAffiliatesInd
Organization501cYes (X)Organization501cInd
Website AddressWWW.REDWOODCU.ORGWebsiteAddressTxt
Type Of Organization CorpYes (X)TypeOfOrganizationCorpInd
Formation1950FormationYr
Legal Domicile StateCALegalDomicileStateCd
Activity Or MissionPASSIONATELY SERVING THE BEST INTERESTS OF OUR MEMBERS, EMPLOYEES, AND COMMUNITIES. SERVING ALL OF OUR MEMBERS FINANCIAL SERVICE NEEDS.ActivityOrMissionDesc
Voting Members Governing Body9VotingMembersGoverningBodyCnt
Voting Members Independent9VotingMembersIndependentCnt
Total Employee593TotalEmployeeCnt
Total Volunteers15TotalVolunteersCnt
Total Gross UBI$283,496TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm-$129,754NetUnrelatedBusTxblIncmAmt
PY Contributions Grants$0PYContributionsGrantsAmt
CY Contributions Grants$0CYContributionsGrantsAmt
PY Program Service Revenue$127,068,012PYProgramServiceRevenueAmt
CY Program Service Revenue$147,938,259CYProgramServiceRevenueAmt
PY Investment Income$266,549PYInvestmentIncomeAmt
CY Investment Income-$19,140CYInvestmentIncomeAmt
PY Other Revenue$0PYOtherRevenueAmt
CY Other Revenue$0CYOtherRevenueAmt
PY Total Revenue$127,334,561PYTotalRevenueAmt
CY Total Revenue$147,919,119CYTotalRevenueAmt
PY Grants And Similar Paid$0PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid$0CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members$0PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members$5,459,738CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid$35,603,748PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid$39,075,079CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns$0PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns$0CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense$0CYTotalFundraisingExpenseAmt
PY Other Expenses$43,475,750PYOtherExpensesAmt
CY Other Expenses$46,164,692CYOtherExpensesAmt
PY Total Expenses$79,079,498PYTotalExpensesAmt
CY Total Expenses$90,699,509CYTotalExpensesAmt
PY Revenues Less Expenses$48,255,063PYRevenuesLessExpensesAmt
CY Revenues Less Expenses$57,219,610CYRevenuesLessExpensesAmt
Total Assets BOY$2,822,001,517TotalAssetsBOYAmt
Total Assets EOY$3,276,496,038TotalAssetsEOYAmt
Total Liabilities BOY$2,492,973,591TotalLiabilitiesBOYAmt
Total Liabilities EOY$2,890,284,774TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY$329,027,926NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY$386,211,264NetAssetsOrFundBalancesEOYAmt
MissionPASSIONATELY SERVING THE BEST INTERESTS OF OUR MEMBERS, EMPLOYEES, AND COMMUNITIES. SERVING ALL OF OUR MEMBERS FINANCIAL SERVICE NEEDS.MissionDesc
Significant New Program Srvc0SignificantNewProgramSrvcInd
Significant Change0SignificantChangeInd
DescREDWOOD CREDIT UNION IS ENGAGED IN PROVIDING LOW COST FINANCIAL SERVICES TO OUR MEMBER-OWNERS AS A COOPERATIVE ORGANIZATION.Desc
Described In Section501c30DescribedInSection501c3Ind
Schedule B Required0ScheduleBRequiredInd
Political Campaign ActyYes (1)PoliticalCampaignActyInd
Subject To Proxy Tax0SubjectToProxyTaxInd
Donor Advised Fund0DonorAdvisedFundInd
Conservation Easements0ConservationEasementsInd
Collections Of Art0CollectionsOfArtInd
Credit Counseling0CreditCounselingInd
Temp Or Permanent Endowments0TempOrPermanentEndowmentsInd
Report Land Building EquipmentYes (1)ReportLandBuildingEquipmentInd
Report Investments Other Sec0ReportInvestmentsOtherSecInd
Report Program Related Invst0ReportProgramRelatedInvstInd
Report Other Assets0ReportOtherAssetsInd
Report Other LiabilitiesYes (1)ReportOtherLiabilitiesInd
Include FIN48 FootnoteYes (1)IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt0IndependentAuditFinclStmtInd
Consolidated Audit Fincl StmtYes (1)ConsolidatedAuditFinclStmtInd
School Operating0SchoolOperatingInd
Foreign Office0ForeignOfficeInd
Foreign Activities0ForeignActivitiesInd
More Than5000 K To Org0MoreThan5000KToOrgInd
More Than5000 K To Individuals0MoreThan5000KToIndividualsInd
Professional Fundraising0ProfessionalFundraisingInd
Fundraising Activities0FundraisingActivitiesInd
Gaming Activities0GamingActivitiesInd
Operate Hospital0OperateHospitalInd
Grants To Organizations0GrantsToOrganizationsInd
Grants To Individuals0GrantsToIndividualsInd
Schedule J RequiredYes (1)ScheduleJRequiredInd
Tax Exempt Bonds0TaxExemptBondsInd
Loan OutstandingYes (1)LoanOutstandingInd
Grant To Related Person0GrantToRelatedPersonInd
Business Rln With Org Mem0BusinessRlnWithOrgMemInd
Business Rln With Fam Mem0BusinessRlnWithFamMemInd
Business Rln With Officer Ent0BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri0DeductibleNonCashContriInd
Deductible Art Contribution0DeductibleArtContributionInd
Terminate Operations0TerminateOperationsInd
Partial Liquidation0PartialLiquidationInd
Disregarded Entity0DisregardedEntityInd
Related EntityYes (1)RelatedEntityInd
Related Organization Ctrl EntYes (1)RelatedOrganizationCtrlEntInd
Transaction With Control EntYes (1)TransactionWithControlEntInd
Activities Conducted Prtshp0ActivitiesConductedPrtshpInd
Schedule O RequiredYes (1)ScheduleORequiredInd
IRP Document39712IRPDocumentCnt
IRP Document W2 G0IRPDocumentW2GCnt
Backup Wthld ComplianceYes (1)BackupWthldComplianceInd
Employee593EmployeeCnt
Employment Tax Returns FiledYes (1)EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over LimitYes (1)UnrelatedBusIncmOverLimitInd
Form990 T FiledYes (1)Form990TFiledInd
Foreign Financial Account0ForeignFinancialAccountInd
Prohibited Tax Shelter Trans0ProhibitedTaxShelterTransInd
Taxable Party Notification0TaxablePartyNotificationInd
Nondeductible Contributions0NondeductibleContributionsInd
Indoor Tanning Services0IndoorTanningServicesInd
Info In Schedule O Part VIYes (X)InfoInScheduleOPartVIInd
Governing Body Voting Members9GoverningBodyVotingMembersCnt
Independent Voting Member9IndependentVotingMemberCnt
Family Or Business Rln0FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties0DelegationOfMgmtDutiesInd
Change To Org Documents0ChangeToOrgDocumentsInd
Material Diversion Or Misuse0MaterialDiversionOrMisuseInd
Members Or StockholdersYes (1)MembersOrStockholdersInd
Election Of Board MembersYes (1)ElectionOfBoardMembersInd
Decisions Subject To Approva0DecisionsSubjectToApprovaInd
Minutes Of Governing BodyYes (1)MinutesOfGoverningBodyInd
Minutes Of CommitteesYes (1)MinutesOfCommitteesInd
Officer Mailing Address0OfficerMailingAddressInd
Local ChaptersYes (1)LocalChaptersInd
Policies Reference ChaptersYes (1)PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body0Form990ProvidedToGvrnBodyInd
Conflict Of Interest PolicyYes (1)ConflictOfInterestPolicyInd
Annual Disclosure Covered PrsnYes (1)AnnualDisclosureCoveredPrsnInd
Regular Monitoring EnfrcYes (1)RegularMonitoringEnfrcInd
Whistleblower PolicyYes (1)WhistleblowerPolicyInd
Document Retention PolicyYes (1)DocumentRetentionPolicyInd
Compensation Process CEOYes (1)CompensationProcessCEOInd
Compensation Process Other0CompensationProcessOtherInd
Investment In Joint VentureYes (1)InvestmentInJointVentureInd
Written Policy Or ProcedureYes (1)WrittenPolicyOrProcedureInd
Upon RequestYes (X)UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

FieldValueIRS element (for citing)
Business Name Line1MICHAEL GAY CONTROLLERBusinessNameLine1Txt
FieldValueIRS element (for citing)
Phone8005454000PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line13033 CLEVELAND AVE SUITE 100AddressLine1Txt
CitySANTA ROSACityNm
State AbbreviationCAStateAbbreviationCd
ZIP95403ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (28 entries)

TitleTitleTxtAverage Hours Per WeekAverageHoursPerWeekRtIndividual Trustee Or DirectorIndividualTrusteeOrDirectorIndReportable Comp From OrgReportableCompFromOrgAmtReportable Comp From Rltd OrgReportableCompFromRltdOrgAmtOther CompensationOtherCompensationAmtOfficerOfficerIndKey EmployeeKeyEmployeeIndHighest Compensated EmployeeHighestCompensatedEmployeeIndFormer Ofcr Director TrusteeFormerOfcrDirectorTrusteeInd
BOB STEELE
BOARD MEMBER1.00Yes (X)$0$0$0
JIM OLMSTED
BOARD MEMBER1.00Yes (X)$0$0$0
DEBBIE WATTS
BOARD MEMBER1.00Yes (X)$0$0$0
DAVE IMOTO
BOARD MEMBER1.00Yes (X)$0$0$0
LISA WITTKE SCHAFFNER
BOARD MEMBER1.00Yes (X)$0$0$0
ROD DOLE
BOARD MEMBER1.00Yes (X)$0$0$0
GREG MCGUIRK
BOARD MEMBER1.00Yes (X)$0$0$0
BOB WIECK
BOARD MEMBER1.00Yes (X)$0$0$0
ROBERT EYLER
BOARD MEMBER1.00Yes (X)$0$0$0
BRETT MARTINEZ
PRESIDENT/CEO40.00$1,671,107$0$229,609Yes (X)
CHRISTINA COOK
CHIEF FINANCIAL & RISK OFFICER40.00$305,385$0$13,770Yes (X)
ALISA HEATH
CHIEF FINANCIAL & RISK OFFICER40.00$15,000$0$0Yes (X)
ROBIN MCKENZIE
SVP MARKETING & COMMUNICATIONS40.00$272,216$0$67,322Yes (X)
ANTHONY E HILDESHEIM
SVP CIO40.00$246,581$0$74,655Yes (X)
CYNTHIA NEGRI
EVP COO40.00$393,108$0$133,101Yes (X)
KRISTINA DERKOS
SVP ADMINISTRATIVE SERVICE40.00$271,420$0$97,772Yes (X)
ANDY RAMOS
SVP MEMBER EXPERIENCE40.00$238,966$0$89,498Yes (X)
MISHEL KAUFMAN
SVP RISK MANAGEMENT40.00$208,588$0$55,383Yes (X)
TODD N LINDEMANN
SVP PAYMENTS40.00$202,418$0$45,896Yes (X)
RONALD FELDER
EVP CLO40.00$336,490$0$70,258Yes (X)
THOMAS HUBERT
SVP AUTO, INSURANCE & WEALTH SERVICES40.00$249,970$0$24,695Yes (X)
DIANNA BERTHINIER
SVP LENDING40.00$194,796$0$8,155Yes (X)
MICHAEL DEFAZIO
FINANCIAL ADVISOR40.00$407,562$0$9,579Yes (X)
CHRISTINE FOSTER
FINANCIAL ADVISOR40.00$232,255$0$12,992Yes (X)
CLARK MATHIESSEN
FINANCIAL ADVISOR40.00$272,368$0$17,477Yes (X)
JASON EHN
SBA COMMERCIAL LENDING MANAGER40.00$232,985$0$18,289Yes (X)
SCOTT DYKSTRA
SENIOR SBA COMMERCIAL LOAN OFFICER40.00$258,941$0$13,776Yes (X)
BOBBI BEEHLER
FORMER RCUSG EXECUTIVE DIRECTOR40.00$133,004$0$0Yes (X)
FieldValueIRS element (for citing)
Total Reportable Comp From Org$6,143,160TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org$0TotReportableCompRltdOrgAmt
Total Other Compensation$982,227TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K75IndivRcvdGreaterThan100KCnt
Former Ofcr Employees ListedYes (1)FormerOfcrEmployeesListedInd
Total Comp Greater Than150 KYes (1)TotalCompGreaterThan150KInd
Compensation From Other Srcs0CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1TxtCityContractorAddress/USAddress/CityNmState AbbreviationContractorAddress/USAddress/StateAbbreviationCdZIPContractorAddress/USAddress/ZIPCdServicesServicesDescCompensationCompensationAmt
WESTERN BUILDERS
1400 N DUTTON AVE SUITE 7SANTA ROSACA95401GENERAL CONTRACTORS$2,886,761
PSCU
560 CARILLON PKWYST PETERSBURGFL33716CREDIT CARD PROCESSOR$2,422,704
INFOIMAGE INC
141 JEFFERSON DRMENLO PARKCA94025STATEMENTS PROVIDER$1,528,731
CLICKAPPRAISER
3189 DANVILLE BLVD 120ALAMOCA94507REAL ESTATE APPRAISALS$834,775
TROPE GROUP
2305 CIRCADIAN WAYSANTA ROSACA95407WORK SPACE SOLUTIONS AND FURNITURE$737,992
FieldValueIRS element (for citing)
Cntrct Rcvd Greater Than100 K64CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (2 entries)

DescDescBusinessBusinessCdTotal Revenue ColumnTotalRevenueColumnAmtRelated Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmtUnrelated Business RevenueUnrelatedBusinessRevenueAmt
PROGRAM SERVICE REVENUE522100$147,654,763$147,654,763
UNRELATED BUSINESS INCOME900099$283,496$283,496
FieldValueIRS element (for citing)
Total Program Service Revenue$147,938,259TotalProgramServiceRevenueAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

FieldValueIRS element (for citing)
Securities$718,611SecuritiesAmt
Other$414,916OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

FieldValueIRS element (for citing)
Securities$718,611SecuritiesAmt
Other$434,056OtherAmt

Gain Or Loss GainOrLossGrp

FieldValueIRS element (for citing)
Securities$0SecuritiesAmt
Other-$19,140OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

FieldValueIRS element (for citing)
Total Revenue Column-$19,140TotalRevenueColumnAmt
Exclusion-$19,140ExclusionAmt

Total Revenue TotalRevenueGrp

FieldValueIRS element (for citing)
Total Revenue Column$147,919,119TotalRevenueColumnAmt
Related Or Exempt Func Income$147,654,763RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue$283,496UnrelatedBusinessRevenueAmt
Exclusion-$19,140ExclusionAmt

Benefits To Members BenefitsToMembersGrp

FieldValueIRS element (for citing)
Total$5,459,738TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

FieldValueIRS element (for citing)
Total$7,125,387TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

FieldValueIRS element (for citing)
Total$31,949,692TotalAmt

Fees For Services Other FeesForServicesOtherGrp

FieldValueIRS element (for citing)
Total$7,866,614TotalAmt

Occupancy OccupancyGrp

FieldValueIRS element (for citing)
Total$4,993,393TotalAmt

Interest InterestGrp

FieldValueIRS element (for citing)
Total$1,204,508TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDescTotalTotalAmt
LOAN SERVICING$11,797,856
OPERATIONS$7,348,225
OTHER EXPENSES$4,579,257
CREDIT FOR LOAN LOSSES$4,288,380

All Other Expenses AllOtherExpensesGrp

FieldValueIRS element (for citing)
Total$4,086,459TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

FieldValueIRS element (for citing)
Total$90,699,509TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

FieldValueIRS element (for citing)
BOY$616,310,726BOYAmt
EOY$638,258,547EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

FieldValueIRS element (for citing)
EOY$14,815,080EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

FieldValueIRS element (for citing)
BOY$2,064,156,431BOYAmt
EOY$2,469,732,939EOYAmt
FieldValueIRS element (for citing)
Land Bldg Equip Cost Or Other Bss$70,277,934LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec$33,237,078LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

FieldValueIRS element (for citing)
BOY$33,186,692BOYAmt
EOY$37,040,856EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

FieldValueIRS element (for citing)
BOY$24,687,831BOYAmt
EOY$25,930,254EOYAmt

Other Assets Total OtherAssetsTotalGrp

FieldValueIRS element (for citing)
BOY$83,659,837BOYAmt
EOY$90,718,362EOYAmt

Total Assets TotalAssetsGrp

FieldValueIRS element (for citing)
BOY$2,822,001,517BOYAmt
EOY$3,276,496,038EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

FieldValueIRS element (for citing)
BOY$22,297,345BOYAmt
EOY$22,837,562EOYAmt

Other Liabilities OtherLiabilitiesGrp

FieldValueIRS element (for citing)
BOY$2,470,676,246BOYAmt
EOY$2,867,447,212EOYAmt

Total Liabilities TotalLiabilitiesGrp

FieldValueIRS element (for citing)
BOY$2,492,973,591BOYAmt
EOY$2,890,284,774EOYAmt
FieldValueIRS element (for citing)
Org Does Not Follow SFAS117Yes (X)OrgDoesNotFollowSFAS117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

FieldValueIRS element (for citing)
BOY$0BOYAmt
EOY$0EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

FieldValueIRS element (for citing)
BOY$0BOYAmt
EOY$0EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

FieldValueIRS element (for citing)
BOY$329,027,926BOYAmt
EOY$386,211,264EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$329,027,926BOYAmt
EOY$386,211,264EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$2,822,001,517BOYAmt
EOY$3,276,496,038EOYAmt
FieldValueIRS element (for citing)
Reconcilation Revenue Expnss$57,219,610ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst-$36,272NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets$0OtherChangesInNetAssetsAmt
Info In Schedule O Part XIIYes (X)InfoInScheduleOPartXIIInd
Method Of Accounting AccrualYes (X)MethodOfAccountingAccrualInd
Accountant Compile Or Review0AccountantCompileOrReviewInd
FS AuditedYes (1)FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

FieldValueIRS element (for citing)
Consolidated Basis Fincl StmtYes (X)ConsolidatedBasisFinclStmtInd
FieldValueIRS element (for citing)
Audit CommitteeYes (1)AuditCommitteeInd
Federal Grant Audit Required0FederalGrantAuditRequiredInd

Schedule C IRS990ScheduleC

FieldValueIRS element (for citing)
Political Expenditures$24,500PoliticalExpendituresAmt
Internal Funds Contributed$24,500InternalFundsContributedAmt
Total Exempt Function Expend$24,500TotalExemptFunctionExpendAmt
Form1120 POL FiledYes (1)Form1120POLFiledInd

Section527 Political Org Section527PoliticalOrgGrp (5 entries)

Address Line1USAddress/AddressLine1TxtCityUSAddress/CityNmState AbbreviationUSAddress/StateAbbreviationCdZIPUSAddress/ZIPCdEINEINPaid Internal FundsPaidInternalFundsAmt
MIKE MCGUIRE FOR STATE SENATE 2018
396B THIRD ST SUITE 652SAN RAFAELCA94901463842849$2,500
CA CREDIT UNION LEAGUE PAC
1201 K ST SUITE 1050SACRAMENTOCA95814942329967$7,000
CA CREDIT UNION LEAGUE INDEPENDENT EXP ACCT
1201 K ST SUITE 1050SACRAMENTOCA95814942329967$10,000
NORTH BAY LEADERSHIP COUNCIL C-PAC
775 BAYWOOD DRIVE SUITE 101PETALUMACA94954680234040$2,500
NORTH BAY LEADERSHIP COUNCIL I-PAC
775 BAYWOOD DRIVE SUITE 101PETALUMACA94954680234040$2,500

Supplemental Information Detail SupplementalInformationDetail

FieldValueIRS element (for citing)
Form And Line ReferencePART I-A, LINE 1:FormAndLineReferenceDesc
ExplanationCONTRIBUTIONS TO POLITICAL ORGANIZATIONSExplanationTxt

Schedule D IRS990ScheduleD

Land LandGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$8,885,377OtherCostOrOtherBasisAmt
Book Value$8,885,377BookValueAmt

Buildings BuildingsGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$26,786,945OtherCostOrOtherBasisAmt
Depreciation$7,358,818DepreciationAmt
Book Value$19,428,127BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$7,179,072OtherCostOrOtherBasisAmt
Depreciation$4,084,649DepreciationAmt
Book Value$3,094,423BookValueAmt

Equipment EquipmentGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$27,271,509OtherCostOrOtherBasisAmt
Depreciation$21,793,611DepreciationAmt
Book Value$5,477,898BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$155,031OtherCostOrOtherBasisAmt
Book Value$155,031BookValueAmt
FieldValueIRS element (for citing)
Total Book Value Land Buildings$37,040,856TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

FieldValueIRS element (for citing)
DescMEMBERS' SHARE AND SAVINGS ACCOUNTSDesc
Amt$2,867,447,212Amt
FieldValueIRS element (for citing)
Total Liability$2,867,447,212TotalLiabilityAmt
Footnote TextYes (X)FootnoteTextInd

Supplemental Information Detail SupplementalInformationDetail

FieldValueIRS element (for citing)
Form And Line ReferencePART X, LINE 2:FormAndLineReferenceDesc
ExplanationTHE CREDIT UNION AND ITS SUBSIDIARY EVALUATED THEIR TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2016 AND 2015.ExplanationTxt

Schedule J IRS990ScheduleJ

FieldValueIRS element (for citing)
Travel For CompanionsYes (X)TravelForCompanionsInd
Written Policy Ref T And E ExpnssYes (1)WrittenPolicyRefTAndEExpnssInd
Substantiation RequiredYes (1)SubstantiationRequiredInd
Compensation CommitteeYes (X)CompensationCommitteeInd
Independent ConsultantYes (X)IndependentConsultantInd
Form990 Of Other OrganizationsYes (X)Form990OfOtherOrganizationsInd
Written Employment ContractYes (X)WrittenEmploymentContractInd
Compensation SurveyYes (X)CompensationSurveyInd
Board Or Committee ApprovalYes (X)BoardOrCommitteeApprovalInd
Severance PaymentYes (1)SeverancePaymentInd
Supplemental Nonqual Rtr PlanYes (1)SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm0EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (18 entries)

TitleTitleTxtBase Compensation Filing OrgBaseCompensationFilingOrgAmtCompensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmtBonus Filing OrganizationBonusFilingOrganizationAmountBonus Related OrganizationsBonusRelatedOrganizationsAmtOther Compensation Filing OrgOtherCompensationFilingOrgAmtOther Compensation Rltd OrgsOtherCompensationRltdOrgsAmtDeferred Compensation Flng OrgDeferredCompensationFlngOrgAmtDeferred Comp Rltd OrgsDeferredCompRltdOrgsAmtNontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmtNontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmtTotal Compensation Filing OrgTotalCompensationFilingOrgAmtTotal Compensation Rltd OrgsTotalCompensationRltdOrgsAmtComp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmtComp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
BRETT MARTINEZ
PRESIDENT/CEO$625,628$0$235,492$0$809,987$0$208,306$0$21,303$0$1,900,716$0$0$789,122
CHRISTINA COOK
CHIEF FINANCIAL & RISK OFFICER$289,293$0$15,749$0$343$0$5,859$0$7,911$0$319,155$0$0$0
ROBIN MCKENZIE
SVP MARKETING & COMMUNICATIONS$228,770$0$33,583$0$9,863$0$58,994$0$8,328$0$339,538$0$0$0
ANTHONY E HILDESHEIM
SVP CIO$212,286$0$34,295$0$0$0$69,116$0$5,539$0$321,236$0$0$0
CYNTHIA NEGRI
EVP COO$307,206$0$65,002$0$20,900$0$120,916$0$12,185$0$526,209$0$0$0
KRISTINA DERKOS
SVP ADMINISTRATIVE SERVICE$223,994$0$37,470$0$9,956$0$80,602$0$17,170$0$369,192$0$0$0
ANDY RAMOS
SVP MEMBER EXPERIENCE$192,796$0$30,322$0$15,848$0$71,501$0$17,997$0$328,464$0$0$0
MISHEL KAUFMAN
SVP RISK MANAGEMENT$170,943$0$37,645$0$0$0$40,722$0$14,661$0$263,971$0$0$0
TODD N LINDEMANN
SVP PAYMENTS$174,314$0$28,104$0$0$0$31,235$0$14,661$0$248,314$0$0$0
RONALD FELDER
EVP CLO$261,934$0$73,968$0$588$0$52,261$0$17,997$0$406,748$0$0$0
THOMAS HUBERT
SVP AUTO, INSURANCE & WEALTH SERVICE$196,480$0$53,490$0$0$0$7,525$0$17,170$0$274,665$0$0$0
DIANNA BERTHINIER
SVP LENDING$175,796$0$19,000$0$0$0$3,923$0$4,232$0$202,951$0$0$0
MICHAEL DEFAZIO
FINANCIAL ADVISOR$41,456$0$363,814$0$2,292$0$9,579$0$0$0$417,141$0$0$0
CHRISTINE FOSTER
FINANCIAL ADVISOR$40,601$0$191,654$0$0$0$6,993$0$5,999$0$245,247$0$0$0
CLARK MATHIESSEN
FINANCIAL ADVISOR$33,328$0$235,817$0$3,223$0$5,479$0$11,998$0$289,845$0$0$0
JASON EHN
SBA COMMERCIAL LENDING MANAGER$125,008$0$106,177$0$1,800$0$18,289$0$0$0$251,274$0$0$0
SCOTT DYKSTRA
SENIOR SBA COMMERCIAL LOAN OFFICER$99,706$0$159,235$0$0$0$7,777$0$5,999$0$272,717$0$0$0
BOBBI BEEHLER
FORMER RCUSG EXECUTIVE DIRECTOR$133,004$0$0$0$0$0$0$0$0$0$133,004$0$0$0

Supplemental Information Detail SupplementalInformationDetail

FieldValueIRS element (for citing)
Form And Line ReferencePART I, LINES 4A-BFormAndLineReferenceDesc
ExplanationBRETT MARTINEZ - $175,234 CONTRIBUTION TO 457(F) KRISTINA DERKOS - $42,886 CONTRIBUTION TO 457(F) RONALD FELDER - $44,311 CONTRIBUTION TO 457(F) ANTHONY HILDESHEIM - $22,790 CONTRIBUTION TO 457(F) MISHEL KAUFMAN - $15,975 CONTRIBUTION TO 457(F) TODD NOLL LINDEMANN - $25,313 CONTRIBUTION TO 457(F) ROBIN MCKENZIE - $20,557 CONTRIBUTION TO 457(F) CYNTHIA NEGRI - $68,695 CONTRIBUTION TO 457(F) ANDY RAMOS - $36,126 CONTRIBUTION TO 457(F) BOBBI BEEHLER - SEVERENCE PAID - $133,004 CHRISTINA COOK - SEVERENCE PAID - $113,750 BRETT MARTINEZ - SERP DISTRIBUTION - $789,122ExplanationTxt

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp

FieldValueIRS element (for citing)
PersonBRETT MARTINEZPersonNm
Relationship With OrgPRESIDENT/ CEORelationshipWithOrgTxt
Loan PurposeTO FUND SPLIT DOLLAR PLAN INSURANCE POLICYLoanPurposeTxt
Loan From OrganizationYes (X)LoanFromOrganizationInd
Original Principal$15,706,866OriginalPrincipalAmt
Balance Due$15,709,751BalanceDueAmt
Default0DefaultInd
Board Or Committee ApprovalYes (1)BoardOrCommitteeApprovalInd
Written AgreementYes (1)WrittenAgreementInd
FieldValueIRS element (for citing)
Total Balance Due$15,709,751TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (7 entries)

Form And Line ReferenceFormAndLineReferenceDescExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6ORGANIZATION IS A CREDIT UNION AND AS SUCH HAS MEMBERS THAT UTILIZE THE CREDIT UNION FOR THEIR FINANCIAL NEEDS.
FORM 990, PART VI, SECTION A, LINE 7AORGANIZATION IS A CREDIT UNION AND THE MEMBERSHIP ELECTS THE BOARD OF DIRECTORS.
FORM 990, PART VI, SECTION B, LINE 11BFORM WILL BE COMPLETED AND REVIEWED BY THE MANAGER/FINANCE, CONTROLLER, EVP/CHIEF FINANCIAL & RISK OFFICER AND PRESIDENT/CEO BEFORE IT IS FILED.
FORM 990, PART VI, SECTION B, LINE 12CVOLUNTEERS MUST DISCLOSE TO THE BOARD OF DIRECTORS ANNUALLY ANY INVOLVEMENT WITH ORGANIZATIONS WHICH DO BUSINESS WITH THE CREDIT UNION. CREDIT UNION SENIOR MANAGEMENT SIGNS A DISCLOSURE ANNUALLY PER POLICY.
FORM 990, PART VI, SECTION B, LINE 15ACOMPENSATION OF THE CEO IS APPROVED BY THE BOARD OF DIRECTORS AFTER THE COMPENSATION COMMITTEE GATHERS DATA FROM OUTSIDE SOURCES AND REVIEWS SURVEY AND OTHER DATA.
FORM 990, PART VI, SECTION C, LINE 19QUARTERLY INCOME STATEMENTS ARE POSTED AT EACH BRANCH. ANNUAL FINANCIALS AND ANNUAL REPORT ARE AVAILABLE ON THE COMPANY'S WEBSITE.
FORM 990, PART XII, LINE 2C:THE SUPERVISORY COMMITTEE OVERSEES THE AUDITED FINANCIAL STATEMENTS.

Schedule R IRS990ScheduleR

Id Related Tax Exempt Org IdRelatedTaxExemptOrgGrp

Disregarded Entity Name DisregardedEntityName

FieldValueIRS element (for citing)
Business Name Line1REDWOOD CREDIT UNION COMMUNITY FUND INCBusinessNameLine1Txt

US Address USAddress

FieldValueIRS element (for citing)
Address Line13033 CLEVELAND AVENUEAddressLine1Txt
CitySANTA ROSACityNm
State AbbreviationCAStateAbbreviationCd
ZIP95403ZIPCd
FieldValueIRS element (for citing)
EIN475084832EIN
Primary ActivitiesADVANCING WELL-BEING OF THE COMMUNITYPrimaryActivitiesTxt
Legal Domicile StateCALegalDomicileStateCd
Exempt Code Section501(C)(3)ExemptCodeSectionTxt
Public Charity Status7PublicCharityStatusTxt

Direct Controlling Entity Name DirectControllingEntityName

FieldValueIRS element (for citing)
Business Name Line1REDWOOD CREDIT UNIONBusinessNameLine1Txt
FieldValueIRS element (for citing)
Controlled OrganizationYes (1)ControlledOrganizationInd

Id Related Org Txbl Corp Tr IdRelatedOrgTxblCorpTrGrp

Related Organization Name RelatedOrganizationName

FieldValueIRS element (for citing)
Business Name Line1RCU SERVICES GROUP INCBusinessNameLine1Txt

US Address USAddress

FieldValueIRS element (for citing)
Address Line13303 CLEVELAND AVE SUITE 100AddressLine1Txt
CitySANTA ROSACityNm
State AbbreviationCAStateAbbreviationCd
ZIP95403ZIPCd
FieldValueIRS element (for citing)
EIN680465274EIN
Primary ActivitiesINSURANCE AND AUTO SERVICESPrimaryActivitiesTxt
Legal Domicile StateCALegalDomicileStateCd

Direct Controlling Entity Name DirectControllingEntityName

FieldValueIRS element (for citing)
Business Name Line1REDWOOD CREDIT UNIONBusinessNameLine1Txt
FieldValueIRS element (for citing)
Entity TypeCEntityTypeTxt
Share Of Total Income$207,846ShareOfTotalIncomeAmt
Share Of EOY Assets$6,744,684ShareOfEOYAssetsAmt
Ownership1.00000OwnershipPct
Controlled OrganizationYes (1)ControlledOrganizationInd
FieldValueIRS element (for citing)
Receipt Of Int Annts Rnts RyltsYes (1)ReceiptOfIntAnntsRntsRyltsInd
Gift Grnt Or Cap Contri To Oth OrgYes (1)GiftGrntOrCapContriToOthOrgInd
Gift Grnt Cap Contri From Oth Org0GiftGrntCapContriFromOthOrgInd
Loans Or Guarantees To Other Org0LoansOrGuaranteesToOtherOrgInd
Loans Or Guarantees From Oth Org0LoansOrGuaranteesFromOthOrgInd
Div Related Organization0DivRelatedOrganizationInd
Asset Sale To Other Org0AssetSaleToOtherOrgInd
Asset Purchase From Other Org0AssetPurchaseFromOtherOrgInd
Asset Exchange0AssetExchangeInd
Rental Of Facilities To Oth Org0RentalOfFacilitiesToOthOrgInd
Rental Of Fclts From Oth Org0RentalOfFcltsFromOthOrgInd
Perform Of Services For Oth OrgYes (1)PerformOfServicesForOthOrgInd
Perform Of Services By Other Org0PerformOfServicesByOtherOrgInd
Sharing Of Facilities0SharingOfFacilitiesInd
Paid Employees Sharing0PaidEmployeesSharingInd
Reimbursement Paid To Other Org0ReimbursementPaidToOtherOrgInd
Reimbursement Paid By Other Org0ReimbursementPaidByOtherOrgInd
Transfer To Other Org0TransferToOtherOrgInd
Transfer From Other Org0TransferFromOtherOrgInd

Transactions Related Org TransactionsRelatedOrgGrp (3 entries)

Transaction TypeTransactionTypeTxtInvolvedInvolvedAmtMethod Of Amount DeterminationMethodOfAmountDeterminationTxt
RCU SERVICES GROUP INC
A$26,400CASH
RCU SERVICES GROUP INC
L$83,580CASH
RCU COMMUNITY FUND INC
B$1,107,636CASH