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 94-1439553)
Tax period: 2016-01-01 to 2016-12-31
Filed: 2017-10-25
IRS object ID: 201702989349300415
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
Form 990
Schedule C
Schedule D
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2017-10-25T09:06:50-05:00	ReturnTs
Tax Period End	2016-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	420714325	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	RSM US LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	801 NICOLLET MALL SUITE 1100	AddressLine1Txt
City	MINNEAPOLIS	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	55402	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2016-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	941439553	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	VALLEY FIRST CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	VALL	BusinessNameControlTxt
Phone	2095498500	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1005 W ORANGEBURG AVENUE	AddressLine1Txt
City	MODESTO	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	95350	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	DENNIS BARTA	PersonNm
Person Title	VP FINANCE	PersonTitleTxt
Phone	2095498500	PhoneNum
Signature	2017-10-24	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	GERALD B KISSELL	PreparerPersonNm
PTIN	P00092658	PTIN
Phone	6123324300	PhoneNum

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	108.171.131.188	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2017-10-24	IPDt
IP Tm	11:53:36	IPTm
IP Timezone	CD	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	01563F10D6676BDC9B96404AA3206AA292B808E6	AtSubmissionCreationDeviceId
At Submission Filing Device Id	5AB5DFEC54AF030231DDAA57F2AFD57D98013E0B	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2016	TaxYr
Build TS	2021-01-29 14:40:06Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	HANK BARRETT	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1005 W ORANGEBURG AVENUE	AddressLine1Txt
City	MODESTO	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	95350	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$56,133,692	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.VALLEYFIRSTCU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1956	FormationYr
Legal Domicile State	CA	LegalDomicileStateCd
Activity Or Mission	PROVIDE SUPERIOR SERVICE TO OUR MEMBERS AND COMMUNITY.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	205	TotalEmployeeCnt
Total Volunteers	7	TotalVolunteersCnt
Total Gross UBI	$1,539,697	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$731,943	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$24,327,330	PYProgramServiceRevenueAmt
CY Program Service Revenue	$25,537,206	CYProgramServiceRevenueAmt
PY Investment Income	$2,283,701	PYInvestmentIncomeAmt
CY Investment Income	$2,116,090	CYInvestmentIncomeAmt
PY Other Revenue	$60,800	PYOtherRevenueAmt
CY Other Revenue	$45,000	CYOtherRevenueAmt
PY Total Revenue	$26,671,831	PYTotalRevenueAmt
CY Total Revenue	$27,698,296	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$981,368	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$891,826	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$9,856,509	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$9,550,310	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$12,832,350	PYOtherExpensesAmt
CY Other Expenses	$13,663,918	CYOtherExpensesAmt
PY Total Expenses	$23,670,227	PYTotalExpensesAmt
CY Total Expenses	$24,106,054	CYTotalExpensesAmt
PY Revenues Less Expenses	$3,001,604	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$3,592,242	CYRevenuesLessExpensesAmt
Total Assets BOY	$555,484,443	TotalAssetsBOYAmt
Total Assets EOY	$586,820,094	TotalAssetsEOYAmt
Total Liabilities BOY	$498,451,775	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$526,673,116	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$57,032,668	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$60,146,978	NetAssetsOrFundBalancesEOYAmt
Mission	VALLEY FIRST CREDIT UNION IS A STATE CHARTERED CREDIT UNION THAT PROVIDES LOW COST FINANCIAL SERVICES TO ITS COMMUNITIES.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	AS A STATE CHARTERED CREDIT UNION, VALLEY FIRST PROVIDES LOANS TO MEMBERS AT REDUCED INTEREST RATES AS COMPARED TO COMPETITORS. IN GENERAL, THE CREDIT CRITERIA IS LESS STRINGENT, LOAN RATES ARE LOWER, AND A HIGHER LEVEL OF LOAN COVERAGE IS PROVIDED. AT 12/31/2016 THE CREDIT UNION HAD $319,398,619 IN OUTSTANDING LOAN BALANCES AND 67,599 TOTAL MEMBERS.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	VALLEY FIRST PROVIDES SAVINGS ACCOUNT PRODUCTS THAT ARE OF GREATER BENEFIT TO MEMBERS AS COMPARED TO COMPETITORS. VALLEY FIRST PAYS HIGHER DIVIDEND RATES FOR COMPARABLE SAVINGS PRODUCTS. AT 12/31/2016 THE CREDIT UNION HAD 64,960 SAVINGS ACCOUNTS WITH A BALANCE OF $187,286,074.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	VALLEY FIRST PROVIDES CHECKING ACCOUNT PRODUCTS THAT ARE OF GREATER BENEFIT TO MEMBERS, AS COMPARED TO ITS COMPETITORS. SEVERAL TYPES OF CHECKING ACCOUNTS ARE OFFERED, FROM FREE CHECKING TO SPECIALTY CHECKING ACCOUNTS THAT PAY MEMBERS DIVIDENDS FOR BALANCES KEPT IN THEIR ACCOUNT. AGAIN THE FEE FOR A CHECKING ACCOUNT AND THE DIVIDEND RATES FOR COMPARABLE CHECKING PRODUCTS ARE BETTER THAN COMPETITORS. AT 12/31/2016 THE CREDIT UNION HAD 37,102 MEMBERS WITH CHECKING ACCOUNTS WITH A DEPOSIT BALANCE OF $97,498,567.	Desc

Field	Value	IRS element (for citing)
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	Yes (1)	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	0	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	6844	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	205	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	CA	StatesWhereCopyOfReturnIsFldCd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	DENNIS BARTA	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	2095498500	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1005 W ORANGEBURG AVENUE	AddressLine1Txt
City	MODESTO	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	95350	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (14 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Highest Compensated EmployeeHighestCompensatedEmployeeInd
FRED CRUZ
BOARD CHAIR	5.00	Yes (X)	Yes (X)	$0	$0	$0
JUDY JENSEN
VICE CHAIR	2.00	Yes (X)	Yes (X)	$0	$0	$0
CHRIS PETERSON
SECRETARY	2.00	Yes (X)	Yes (X)	$0	$0	$0
GARY HALL
TREASURER	2.00	Yes (X)	Yes (X)	$0	$0	$0
MATT SINCLAIR
DIRECTOR	2.00	Yes (X)		$0	$0	$0
PATTI GILLIHAN
DIRECTOR	2.00	Yes (X)		$0	$0	$0
TOM KANE
DIRECTOR	2.00	Yes (X)		$0	$0	$0
HANK BARRETT
PRESIDENT/CEO	40.00		Yes (X)	$528,801	$0	$43,905
DENNIS BARTA
VP FINANCE	40.00		Yes (X)	$171,206	$0	$58,956
CATHERINE RANDO
VP INFORMATION SERVICES	40.00			$126,563	$0	$22,657	Yes (X)
PAUL EMANUELS
VP LENDING	40.00			$147,005	$0	$28,951	Yes (X)
ANITA MORPHEW
VP MARKETING	40.00			$130,789	$0	$31,566	Yes (X)
JAMES KELLY
VP ADMINISTRATION	40.00			$135,636	$0	$18,173	Yes (X)
ROBERT O'CONNOR
FINANCIAL SERVICES REP	40.00			$160,610	$0	$16,807	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,400,610	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$221,015	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	8	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
JACK HENRY AND ASSOCIATES
PO BOX 609	MONETT	MO	65708	COMPUTER SUPPORT	$312,041
BANCVUE
PO BOX 527	LUBBOCK	TX	79408	DEPOSIT PRODUCT SUPPORT	$227,797
TELCION
3070 COMMERCE WAY	TURLOCK	CA	95380	COMPUTER SUPPORT	$141,216
FIRST LINK INC
2377 GOLD MEADOW WY 8	GOLF RIVER	CA	95670	COMPUTER SUPPORT	$128,236
Q2 SOFTWARE
PO BOX 205970	DALLAS	TX	753205907	COMPUTER SUPPORT	$125,945

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	9	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST FROM LOANS	522100	$15,558,487	$15,558,487
FEES & CHARGES	522100	$5,816,643	$4,276,946	$1,539,697
MISC OPERATING INCOME	522100	$4,162,076	$4,162,076

Field	Value	IRS element (for citing)
Total Program Service Revenue	$25,537,206	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$2,342,382	TotalRevenueColumnAmt
Exclusion	$2,342,382	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$45,000	RealAmt

Less Rental Expenses LessRentalExpensesGrp

Field	Value	IRS element (for citing)
Real	$0	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$45,000	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$45,000	TotalRevenueColumnAmt
Exclusion	$45,000	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$27,602,804	SecuritiesAmt
Other	$606,300	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$27,539,723	SecuritiesAmt
Other	$895,673	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$63,081	SecuritiesAmt
Other	-$289,373	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$226,292	TotalRevenueColumnAmt
Exclusion	-$226,292	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$27,698,296	TotalRevenueColumnAmt
Related Or Exempt Func Income	$23,997,509	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$1,539,697	UnrelatedBusinessRevenueAmt
Exclusion	$2,161,090	ExclusionAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$891,826	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$804,773	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$6,965,486	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$213,000	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$909,114	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$657,937	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$37,556	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$134,046	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$280,134	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$970,825	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$6,536,604	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,676,000	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$130,149	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$192,431	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$706,995	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$110,515	TotalAmt

Other Expenses OtherExpensesGrp (3 entries)

DescDesc	TotalTotalAmt
LOAN SERVICING	$2,138,762
PROVISION FOR LOAN LOSS	$402,765
NET NEGATIVE SHARE CHAR	$203,973

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$143,163	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$24,106,054	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$59,723,563	BOYAmt
EOY	$42,592,324	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$45,340,681	BOYAmt
EOY	$49,743,186	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$9,462,270	BOYAmt
EOY	$14,105,236	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$292,338,393	BOYAmt
EOY	$317,743,463	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$2,169,675	BOYAmt
EOY	$2,574,220	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$30,151,422	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$17,386,890	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$14,205,395	BOYAmt
EOY	$12,764,532	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$113,262,647	BOYAmt
EOY	$127,608,688	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$18,981,819	BOYAmt
EOY	$19,688,445	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$555,484,443	BOYAmt
EOY	$586,820,094	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$5,592,517	BOYAmt
EOY	$13,013,320	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$492,859,258	BOYAmt
EOY	$513,659,796	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$498,451,775	BOYAmt
EOY	$526,673,116	EOYAmt

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

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

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

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

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

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$57,032,668	BOYAmt
EOY	$60,146,978	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$57,032,668	BOYAmt
EOY	$60,146,978	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$555,484,443	BOYAmt
EOY	$586,820,094	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$3,592,242	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$477,932	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	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 (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule C IRS990ScheduleC

Field	Value	IRS element (for citing)
Political Expenditures	$1,500	PoliticalExpendituresAmt
Internal Funds Contributed	$1,500	InternalFundsContributedAmt
Total Exempt Function Expend	$1,500	TotalExemptFunctionExpendAmt
Form1120 POL Filed	Yes (1)	Form1120POLFiledInd

Section527 Political Org Section527PoliticalOrgGrp

Organization Business Name OrganizationBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	HEATH FLORA FOR STATE ASSEMBLY	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	9460 TENGER RD	AddressLine1Txt
City	HILMAR	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	95324	ZIPCd

Field	Value	IRS element (for citing)
EIN	474012574	EIN
Paid Internal Funds	$1,500	PaidInternalFundsAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I-A, LINE 1:	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION MAKES FINANCIAL CONTRIBUTIONS FOR SPECIFIC CANDIDATES AND THEIR CAMPAIGNS TO SUPPORT CREDIT UNION ISSUES.	ExplanationTxt

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,138,382	OtherCostOrOtherBasisAmt
Book Value	$2,138,382	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$9,580,527	OtherCostOrOtherBasisAmt
Depreciation	$2,679,299	DepreciationAmt
Book Value	$6,901,228	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$6,902,458	OtherCostOrOtherBasisAmt
Depreciation	$4,335,476	DepreciationAmt
Book Value	$2,566,982	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$6,727,778	OtherCostOrOtherBasisAmt
Depreciation	$6,338,519	DepreciationAmt
Book Value	$389,259	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,802,277	OtherCostOrOtherBasisAmt
Depreciation	$4,033,596	DepreciationAmt
Book Value	$768,681	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$12,764,532	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARES	Desc
Amt	$513,659,796	Amt

Field	Value	IRS element (for citing)
Total Liability	$513,659,796	TotalLiabilityAmt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Club Dues Or Fees	Yes (X)	ClubDuesOrFeesInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	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	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (7 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
HANK BARRETT
PRESIDENT/CEO	$362,408	$0	$149,903	$0	$16,490	$0	$30,339	$0	$14,597	$0	$573,737	$0	$0	$0
DENNIS BARTA
VP FINANCE	$159,531	$0	$0	$0	$11,675	$0	$23,621	$0	$36,209	$0	$231,036	$0	$0	$0
CATHERINE RANDO
VP INFORMATION SERVICES	$124,932	$0	$0	$0	$1,631	$0	$6,328	$0	$17,123	$0	$150,014	$0	$0	$0
PAUL EMANUELS
VP LENDING	$143,572	$0	$0	$0	$3,433	$0	$16,691	$0	$13,063	$0	$176,759	$0	$0	$0
ANITA MORPHEW
VP MARKETING	$129,822	$0	$0	$0	$967	$0	$18,000	$0	$14,290	$0	$163,079	$0	$0	$0
JAMES KELLY
VP ADMINISTRATION	$134,719	$0	$0	$0	$917	$0	$5,913	$0	$12,944	$0	$154,493	$0	$0	$0
ROBERT O'CONNOR
FINANCIAL SERVICES REP	$34,548	$0	$124,147	$0	$1,915	$0	$7,395	$0	$9,643	$0	$177,648	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART I, LINE 1A	SOCIAL CLUB DUES FOR USE WITH MEMBERS AND PEERS TO DISCUSS BUSINESS ISSUES. THE BENEFIT IS NOT TAXABLE TO THE RECIPIENT AS ITS PRIMARY USE IS FOR THE CREDIT UNION.
PART I, LINE 4B	THE FOLLOWING INDIVIDUALS PARTICIPATED IN A 457F, NON-QUALIFYING RETIREMENT PLAN. FUNDS HAVE BEEN ACCRUED TO EACH EMPLOYEE; HOWEVER THEY ARE NOT PAYABLE UNTIL THEY REACH THE AGE OF 58. AT WHICH TIME THEY RECEIVE A FULL DISBURSEMENT OF THE ACCRUED FUNDS. THERE WERE NO DISBURSEMENTS IN 2016. HANK BARRETT DENNIS BARTA ANITA MORPHEW PAUL EMANUELS JAMES KELLY

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (7 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE CREDIT UNION'S MEMBERS HAVE RIGHTS 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, 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 PERIODICALLY, OR AS VACANCIES ARISE, OR OTHERWISE.
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 COMPLETED FORM 990 IS REVIEWED BY THE CEO AND CFO. A COPY WILL ALSO BE PROVIDED TO THE EXECUTIVE MEMBERS OF THE BOARD OF DIRECTORS PRIOR TO FILING WITH THE IRS.
FORM 990, PART VI, SECTION B, LINE 12C	AN ANNUAL REVIEW PROCESS IS COMPLETED AND EACH EMPLOYEE IS REQUIRED TO DISCLOSE ANY POTENTIAL CONFLICTS OF INTEREST AND SIGN THE FORM.
FORM 990, PART VI, SECTION B, LINE 15	THE HUMAN RESOURCES DEPARTMENT AND THE EXECUTIVE COMMITTEE VIEW INDUSTRY DATA AND APPROVE SALARY ADJUSTMENTS BASED ON THAT DATA.
FORM 990, PART VI, SECTION C, LINE 19	GOVERNING DOCUMENTS, POLICIES, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST FOR THE SAME PERIOD OF DISCLOSURE AS SET FORTH IN SECTION 6104(D). MONTHLY FINANCIAL STATEMENTS ARE ALSO PUBLISHED IN EACH BRANCH LOBBY AS REQUIRED BY THE NCUA.