2016-11-09T11:55:49-06:00 2015-12-31 410746749 CLIFTONLARSONALLEN LLP 20 E THOMAS RD STE 2300 PHOENIX AZ 85012 990 2015-01-01 951185803 CALIFORNIA COAST CREDIT UNION CALI 8586364251 PO BOX 502080 SAN DIEGO CA 92150 KENNETH HORTON VP FINANCE & RISK MANAGEMENT 8586364251 2016-11-07 1 JANIS ISAACSON P00089104 6022662248 2015 2017-02-10 21:41:12Z KENNETH HORTON 9201 SPECTRUM CENTER BLVD SAN DIEGO CA 92123 86387642 0 X WWW.CALCOASTCU.ORG X CREDIT UNION 1929 CA A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. 9 9 542 15 0 0 0 0 66646095 71042354 5268478 6135790 2257656 5030870 74172229 82209014 14717 74130 0 0 29288392 31417643 0 0 0 27861544 29577731 57164653 61069504 17007576 21139510 1850281127 2015035130 1634841343 1779165593 215439784 235869537 SEE SCHEDULE O. 0 0 ACHIEVEMENT OF SATISFACTORY SERVICES PROVIDED TO MEMBERS IN CONNECTION WITH CONSUMER LOANS, I.E., AUTO LINES, VISA, AND PERSONAL LINES OF CREDIT. ACCOMPLISHMENT OF TARGET GOALS IN CONNECTION WITH PROVISION OF MORTGAGE LOAN PRODUCTS TO EXISTING MEMBERS. MEMBER SATISFACTION IN CONNECTION WITH SERVICES PERTAINING TO CHECKING/SAVINGS ACCOUNTS, ATTRACTIVE CD RATES, IRA AND SIMILAR ACCOUNTS. 0 0 1 0 0 0 0 0 0 1 0 1 0 1 1 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 34537 0 1 542 1 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 0 CA X KENNETH HORTON 8774951600 9201 SPECTRUM CENTER BLVD SAN DIEGO CA 95123 BRUCE HUSSON CHAIR 4.00 X 0 0 0 RICHARD J KNOTT VICE CHAIR 4.00 X 0 0 0 BARBARA K BROOKS SECRETARY 2.00 X 0 0 0 STEVE MCMAHON BOARD MEMBER 2.00 X 0 0 0 GARY ATKINSON BOARD MEMBER 2.00 X 0 0 0 ROBERT T ALTMAN BOARD MEMBER 2.00 X 0 0 0 FRED MEHLICK BOARD MEMBER 2.00 X 0 0 0 FRED WALTERS BOARD MEMBER 2.00 X 0 0 0 ROBERT MICHAELS BOARD MEMBER 2.00 X 0 0 0 MARLA SHEPARD CEO 40.00 X 232180 0 3466 TODD LANE PRESIDENT/CEO 40.00 X 455303 0 23289 CHRISTINA LETHLEAN CFO 40.00 X 256399 0 22066 KATHERINE CADY COO 40.00 X 352826 0 25656 LESLIE JEFFRIES CIO 40.00 X 233229 0 13899 ROBERT G DISOTELL CLO 40.00 X 265301 0 21997 LORI J DURAN SVP, BRANCH NETWORK DEVELOPMENT SOUTH 40.00 X 201870 0 14183 DARLEEN WILKINS SVP, BRANCH NETWORK DEVELOPMENT NORTH 40.00 X 201879 0 18650 SUSAN A WHITELEY VP, INFORMATION TECHNOLOGY 40.00 X 199590 0 21495 MITZI G ZARCONE SVP, LENDING 40.00 X 212391 0 13953 ARTHUR J METRAS VP, REAL ESTATE 40.00 X 193586 0 9904 2804554 0 188558 27 0 1 0 THE MEMBERS GROUP PO BOX 10409 DES MOINES IA 10409 PLASTIC CARD SERVICES 1366523 CU COOPERATIVE SYSTEM INC 9692 HAVEN AVE RANCHO CUCAMONGA CA 91730 PLASTIC CARD NETWORK CONNECTION SERVICE 1237160 MILNER BUTCHER MEDIA GROUP LLC 11150 W OLYMPIC BLVD S - 815 LOS ANGELES CA 90064 MARKETING 1163564 SHI INTERNATIONAL CORP PO BOX 952121 DALLAS TX 75395 COMPUTER EQUIPMENT/SOFTWARE 761939 JACK HENRY & ASSOCIATES INC P O BOX 609 MONETT MO 65708 CORE COMPUTER SUPPORT 726585 53 INTEREST ON LOANS 522100 50340042 50340042 OTHER OPERATING INCOME 522100 10574891 10574891 FEES & CHARGES 522100 10127421 10127421 71042354 4347580 4347580 1553068 0 1553068 1553068 1553068 5966838 4178628 1788210 1788210 1788210 MISC INCOME 522100 3477802 3477802 3477802 82209014 82209014 0 0 74130 2993112 23413528 2948707 2062296 14809 157639 48525 2528340 3148131 698711 865031 4920820 260426 163350 2975999 2973710 553066 BANK AND CREDIT CARD FE 5231900 REPAIRS AND MAINTENANCE 1200111 ALLOWANCE FOR LOAN LOSS 870164 TELEPHONE 847323 2119676 61069504 13584270 7828311 56098846 130193053 0 3378987 1192606133 1457959297 2263206 2550235 63153280 35599789 28350373 27553491 0 536580673 357978011 3167772 3167772 17629854 24425973 1850281127 2015035130 16616982 7974411 1618224361 1771191182 1634841343 1779165593 X 0 0 0 0 215439784 235869537 215439784 235869537 1850281127 2015035130 21139510 -709757 0 X X 0 1 X 1 0 3820 3820 3820 1 DAVID BAUER 2150 RIVER PLAZA DR 150 SACRAMENTO CA 95833 263457749 2820 SAN DIEGO CREDIT UNION'S PAC PO BOX 85833 SAN DIEGO CA 92186 743032876 1000 11593645 11593645 27208179 14725521 12482658 6073665 5159083 914582 18277791 15715185 2562606 27553491 AVAILABLE FOR SALE SECURITIES 271284159 F HELD TO MATURITY SECURITIES 72124223 C FHLB STOCK 10588300 C OTHER INVESTMENTS 3981329 F 357978011 MEMBER SHARE & SAVINGS ACCOUNTS 1771191182 1771191182 X PART X, LINE 2: THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF MARCH 31, 2016 AND 2015. 0 THE CAMPANILE FOUNDATION 5500 CAMPANILE DRIVE SAN DIEGO CA 92182 330868418 501(C)(3) 12000 TO SUPPORT PHILANTHROPIC EVENTS FOR STUDENTS CHILDREN'S MIRACLE NETWORK - CREDIT UNION FOR KIDS 205 W 700 SOUTH SALT LAKE UT 84101 870387205 501(C)(3) 6500 TO GIVE HOPE AND HEAL CHILDREN LLS - LEUKEMIA AND LYMPHOMA SOCIETY 9150 CHESAPEAKE DR STE 100 SAN DIEGO CA 92123 135644916 501(C)(3) 5000 TO SUPPORT RESEARCH FOR A CURE OF LEUKEMIA AND LYMPHOMA SAN DIEGO HUMANE SOCIETY & SPCA 5500 GAINES STREET SAN DIEGO CA 92110 951661688 501(C)(3) 8030 TO SUPPORT LOCAL ANIMAL SHELTER ZOOLOGICAL SOCIETY OF SAN DIEGO 1455 FRAZEE RD STE 200 SAN DIEGO CA 92108 951648219 501(C)(3) 42600 TO SUPPORT CONSERVATION FOR ENDANGERED WILDLIFE AND HABITATS. 5 X 1 1 X X X X X 1 1 0 MARLA SHEPARD CEO 86776 0 121475 0 23929 0 1515 0 1951 0 235646 0 0 0 TODD LANE PRESIDENT/CEO 379764 0 66002 0 9537 0 11008 0 12281 0 478592 0 0 0 CHRISTINA LETHLEAN CFO 235262 0 14520 0 6617 0 7375 0 14691 0 278465 0 0 0 KATHERINE CADY COO 290135 0 55416 0 7275 0 9790 0 15866 0 378482 0 0 0 LESLIE JEFFRIES CIO 220077 0 10750 0 2402 0 5623 0 8276 0 247128 0 0 0 ROBERT G DISOTELL CLO 215522 0 40373 0 9406 0 8258 0 13739 0 287298 0 0 0 LORI J DURAN SVP, BRANCH NETWORK DEVELOPMENT SOUT 172647 0 26061 0 3162 0 6498 0 7685 0 216053 0 0 0 DARLEEN WILKINS SVP, BRANCH NETWORK DEVELOPMENT NORT 168401 0 24382 0 9096 0 6589 0 12061 0 220529 0 0 0 SUSAN A WHITELEY VP, INFORMATION TECHNOLOGY 171229 0 25052 0 3309 0 6931 0 14564 0 221085 0 0 0 MITZI G ZARCONE SVP, LENDING 184600 0 25850 0 1941 0 7147 0 6806 0 226344 0 0 0 ARTHUR J METRAS VP, REAL ESTATE 171271 0 20376 0 1939 0 4488 0 5416 0 203490 0 0 0 PART I, LINES 4A-B THE NONQUALIFIED RETIREMENT PLAN IS A SERP AND IS INTENDED TO SUPPLEMENT THE CEO'S 401(K) RETIREMENT PLAN BENEFITS IN ORDER TO ENSURE THAT THE CEO RECEIVES A CERTAIN AMOUNT OF TARGETED RETIREMENT BENEFITS AS DETERMINED BY THE BOARD OF DIRECTORS. THE CEO IS THE ONLY PARTIPANT IN THE PLAN. ART METRAS: $46,926.70 - SEPARATION AGREEMENT KEVIN DEARING: $34,356.00 - SEPARATION AGREEMENT MARLA SHEPARD: $273,871.50 - CONTRIBUTION TO 457 (F) PLAN FORM 990, PART III, LINE 1, DESCRIPTION OF ORGANIZATION MISSION CALIFORNIA COAST CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION. AS A COOPERATIVE, CALIFORNIA COAST CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. FORM 990, PART VI, SECTION A, LINE 6 CALIFORNIA COAST CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS, AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. CALIFORNIA COAST CREDIT UNION DOES NOT HAVE STOCKHOLDERS. FORM 990, PART VI, SECTION A, LINE 7A THE GOVERNING BOARD OF CALIFORNIA COAST CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY OUR BY-LAWS. FORM 990, PART VI, SECTION A, LINE 7B AT THE END OF EACH TERM OF THE BOARD MEMBERS, ELECTIONS ARE HELD AND BOARD MEMBERS ARE VOTED BY THE MEMBERS OF THE CREDIT UNION PURSUANT TO ITS BY-LAWS. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION. FORM 990, PART VI, SECTION B, LINE 11 THE FORM 990 WAS REVIEWED BY THE ACCOUNTING MANAGER, THE VP OF FINANCE AND THE CFO PRIOR TO FILING. THE FORM 990 IS MADE AVAILABLE TO THE EXECUTIVE COMMITTEE FOR REVIEW AFTER FILING. FORM 990, PART VI, SECTION B, LINE 12C EMPLOYEES REVIEW AND SIGN THE CREDIT UNION'S FRAUD POLICY ANNUALLY; REGULAR EXTERNAL AND INTERNAL AUDITS ARE PERFORMED; AND EMPLOYEE ACCOUNTS ARE MONITORED REGULARLY. FORM 990, PART VI, SECTION B, LINE 15 THE CREDIT UNION USES AN INDEPENDENT CONSULTING FIRM TO REVIEW TITLES AND SALARY LEVELS FOR MANAGER LEVEL AND ABOVE. FOR THE CEO, COMPENSATION IS REVIEWED AND APPORVED BY THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION C, LINE 19 MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE BUILDING LOBBY AND ARE ALSO AVAILABLE UPON REQUEST. FORM 990, PART XII, LINE 2C: THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. CALIFORNIA COAST FINANCIAL SERVICES LLC 9201 SPECTRUM CENTER BLVD SAN DIEGO CA 92123 330986534 INVESTMENTS CA 205378 699373 CALIFORNIA COAST CREDIT UNION