PATELCO CREDIT UNION: Form 990, tax year 2014
View the entire original 990 at ProPublica ↗
- Organization
- PATELCO CREDIT UNION (EIN 94-0755684)
- Tax period
- 2014-01-01 to 2014-12-31
- Filed
- 2015-11-16
- IRS object ID
- 201523209349307427
- Schema version
- 2014v5.0
- 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
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2015-11-16T12:23:42-06:00 | ReturnTs |
| Tax Period End | 2014-12-31 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | WOLF & COMPANY PC | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 99 HIGH STREET 21ST FLOOR | AddressLine1Txt |
| City | BOSTON | CityNm |
| State Abbreviation | MA | StateAbbreviationCd |
| ZIP | 02110 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnTypeCd |
| Tax Period Begin | 2014-01-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 940755684 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | Patelco Credit Union | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| In Care Of | % SUSAN GRUBER | InCareOfNm |
| Business Name Control | PATE | BusinessNameControlTxt |
| Phone | 8003588228 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 5050 Hopyard Road | AddressLine1Txt |
| City | Pleasanton | CityNm |
| State Abbreviation | CA | StateAbbreviationCd |
| ZIP | 94588 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | SUSAN GRUBER | PersonNm |
| Person Title | CFO | PersonTitleTxt |
| Phone | 9254604613 | PhoneNum |
| Signature | 2015-11-04 | SignatureDt |
| Discuss With Paid Preparer | Yes (true) | DiscussWithPaidPreparerInd |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | Michael J Rowe CPA | PreparerPersonNm |
| PTIN | P00535831 | PTIN |
| Phone | 6174399700 | PhoneNum |
| Preparation | 2015-11-04 | PreparationDt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2014 | TaxYr |
| Build TS | 2016-03-07 17:11:31Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Principal Officer | Erin Mendez | PrincipalOfficerNm |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 5050 Hopyard Road | AddressLine1Txt |
| City | Pleasanton | CityNm |
| State Abbreviation | CA | StateAbbreviationCd |
| ZIP | 94588 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | $503,368,362 | GrossReceiptsAmt |
| Group Return For Affiliates | false | GroupReturnForAffiliatesInd |
| Organization501c | Yes (X) | Organization501cInd |
| Website Address | www.patelco.org | WebsiteAddressTxt |
| Type Of Organization Other | Yes (X) | TypeOfOrganizationOtherInd |
| Other Organization Dsc | credit union | OtherOrganizationDsc |
| Formation | 1936 | FormationYr |
| Legal Domicile State | CA | LegalDomicileStateCd |
| Activity Or Mission | provides a broad range of loan & deposit products and other financial services to its members located in Northern California and illinois | ActivityOrMissionDesc |
| Voting Members Governing Body | 11 | VotingMembersGoverningBodyCnt |
| Voting Members Independent | 11 | VotingMembersIndependentCnt |
| Total Employee | 759 | TotalEmployeeCnt |
| Total Volunteers | 16 | TotalVolunteersCnt |
| Total Gross UBI | $322,566 | TotalGrossUBIAmt |
| Net Unrelated Bus Txbl Incm | -$1,464,141 | NetUnrelatedBusTxblIncmAmt |
| PY Contributions Grants | $0 | PYContributionsGrantsAmt |
| CY Contributions Grants | $0 | CYContributionsGrantsAmt |
| PY Program Service Revenue | $134,658,980 | PYProgramServiceRevenueAmt |
| CY Program Service Revenue | $130,666,345 | CYProgramServiceRevenueAmt |
| PY Investment Income | $17,730,169 | PYInvestmentIncomeAmt |
| CY Investment Income | $20,853,599 | CYInvestmentIncomeAmt |
| PY Other Revenue | $5,786,321 | PYOtherRevenueAmt |
| CY Other Revenue | $8,163,798 | CYOtherRevenueAmt |
| PY Total Revenue | $158,175,470 | PYTotalRevenueAmt |
| CY Total Revenue | $159,683,742 | CYTotalRevenueAmt |
| PY Grants And Similar Paid | $0 | PYGrantsAndSimilarPaidAmt |
| CY Grants And Similar Paid | $0 | CYGrantsAndSimilarPaidAmt |
| PY Benefits Paid To Members | $0 | PYBenefitsPaidToMembersAmt |
| CY Benefits Paid To Members | $0 | CYBenefitsPaidToMembersAmt |
| PY Salaries Comp Emp Bnft Paid | $50,337,495 | PYSalariesCompEmpBnftPaidAmt |
| CY Salaries Comp Emp Bnft Paid | $53,246,545 | CYSalariesCompEmpBnftPaidAmt |
| PY Total Prof Fndrsng Expns | $0 | PYTotalProfFndrsngExpnsAmt |
| CY Total Prof Fndrsng Expns | $0 | CYTotalProfFndrsngExpnsAmt |
| CY Total Fundraising Expense | $0 | CYTotalFundraisingExpenseAmt |
| PY Other Expenses | $55,833,150 | PYOtherExpensesAmt |
| CY Other Expenses | $63,738,898 | CYOtherExpensesAmt |
| PY Total Expenses | $106,170,645 | PYTotalExpensesAmt |
| CY Total Expenses | $116,985,443 | CYTotalExpensesAmt |
| PY Revenues Less Expenses | $52,004,825 | PYRevenuesLessExpensesAmt |
| CY Revenues Less Expenses | $42,698,299 | CYRevenuesLessExpensesAmt |
| Total Assets BOY | $4,011,238,511 | TotalAssetsBOYAmt |
| Total Assets EOY | $4,195,707,329 | TotalAssetsEOYAmt |
| Total Liabilities BOY | $3,538,521,098 | TotalLiabilitiesBOYAmt |
| Total Liabilities EOY | $3,689,118,858 | TotalLiabilitiesEOYAmt |
| Net Assets Or Fund Balances BOY | $472,717,413 | NetAssetsOrFundBalancesBOYAmt |
| Net Assets Or Fund Balances EOY | $506,588,471 | NetAssetsOrFundBalancesEOYAmt |
| Mission | The organization is a full service state-chartered credit union that provides a broad range of loan and deposit products and other financial services to its members located in Northern California and illinois using various channels including branches, a call center and the internet. | MissionDesc |
| Significant New Program Srvc | false | SignificantNewProgramSrvcInd |
| Significant Change | false | SignificantChangeInd |
| Desc | Patelco Credit Union is a state-chartered credit union that committed to provide its members with superior financial services. Its primary function is to provide loans to its members as well as accept deposits from them. In 2014, The Credit Union provided members with 3,552 new real estate loans totaling $772,088,007, 65,266 new consumer loans totaling $790,128,031, and 611,435 deposit accounts totaling $3,183,367,009. | 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 | false | ReportInvestmentsOtherSecInd |
| Report Program Related Invst | false | ReportProgramRelatedInvstInd |
| Report Other Assets | false | ReportOtherAssetsInd |
| Report Other Liabilities | Yes (true) | ReportOtherLiabilitiesInd |
| Include FIN48 Footnote | Yes (true) | IncludeFIN48FootnoteInd |
| Independent Audit Fincl Stmt | false | IndependentAuditFinclStmtInd |
| Consolidated Audit Fincl Stmt | Yes (true) | 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 |
| Loan Outstanding | Yes (true) | LoanOutstandingInd |
| Grant To Related Person | false | GrantToRelatedPersonInd |
| Business Rln With Org Mem | false | BusinessRlnWithOrgMemInd |
| Business Rln With Fam Mem | false | 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 | Yes (true) | RelatedEntityInd |
| Related Organization Ctrl Ent | Yes (true) | RelatedOrganizationCtrlEntInd |
| Transaction With Control Ent | false | TransactionWithControlEntInd |
| Activities Conducted Prtshp | false | ActivitiesConductedPrtshpInd |
| Schedule O Required | Yes (true) | ScheduleORequiredInd |
| IRP Document | 159688 | IRPDocumentCnt |
| IRP Document W2 G | 0 | IRPDocumentW2GCnt |
| Backup Wthld Compliance | Yes (true) | BackupWthldComplianceInd |
| Employee | 759 | 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 |
| Indoor Tanning Services | false | IndoorTanningServicesInd |
| Info In Schedule O Part VI | Yes (X) | InfoInScheduleOPartVIInd |
| Governing Body Voting Members | 11 | GoverningBodyVotingMembersCnt |
| Independent Voting Member | 11 | IndependentVotingMemberCnt |
| Family Or Business Rln | false | 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 |
| Own Website | Yes (X) | OwnWebsiteInd |
| Upon Request | Yes (X) | UponRequestInd |
Books In Care Of Detail BooksInCareOfDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | SUSAN GRUBER | PersonNm |
| Phone | 9254604613 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 5050 HOPYARD ROAD | AddressLine1Txt |
| City | Pleasanton | CityNm |
| State Abbreviation | CA | StateAbbreviationCd |
| ZIP | 94588 | ZIPCd |
Form990 Part VII Section A Form990PartVIISectionAGrp (41 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 | Highest Compensated EmployeeHighestCompensatedEmployeeInd |
|---|---|---|---|---|---|---|---|---|---|
| Peter Hanelt | |||||||||
| Chairman | 5.0 | 0.0 | Yes (X) | Yes (X) | $6,128 | $0 | $0 | ||
| Garrick Zillgitt | |||||||||
| Director | 5.0 | 0.0 | Yes (X) | $3,366 | $0 | $0 | |||
| Jesse Rivera | |||||||||
| 2nd Vice Chair | 5.0 | 0.0 | Yes (X) | Yes (X) | $729 | $0 | $0 | ||
| Tracey Scott | |||||||||
| secretary | 5.0 | 0.0 | Yes (X) | Yes (X) | $1,076 | $0 | $0 | ||
| Jeffrey Parks | |||||||||
| Director | 5.0 | 0.0 | Yes (X) | $3,529 | $0 | $0 | |||
| Vickie Rath | |||||||||
| Director | 5.0 | 0.0 | Yes (X) | $2,936 | $0 | $0 | |||
| John Rubino | |||||||||
| 1st vice chair | 5.0 | 0.0 | Yes (X) | $5,733 | $0 | $0 | |||
| Colleen Cabey | |||||||||
| Treasurer | 5.0 | 0.0 | Yes (X) | Yes (X) | $6,729 | $0 | $0 | ||
| Gerald Upson | |||||||||
| Director | 5.0 | 0.0 | Yes (X) | $6,923 | $0 | $0 | |||
| Gene Bell | |||||||||
| Director | 5.0 | 0.0 | Yes (X) | $4,388 | $0 | $0 | |||
| Race Chen | |||||||||
| Director | 5.0 | 0.0 | Yes (X) | $3,203 | $0 | $0 | |||
| Debra Chaw | |||||||||
| Supervisory Committee Chair | 5.0 | 0.0 | Yes (X) | $0 | $0 | $0 | |||
| Erin Mendez | |||||||||
| President/CEO | 40.0 | 0.0 | Yes (X) | $773,005 | $0 | $224,699 | |||
| Ryan Misasi ended 52314 | |||||||||
| Chief Retail Officer | 40.0 | 0.0 | Yes (X) | $178,123 | $0 | $21,746 | |||
| Susan Gruber eff 91514 | |||||||||
| CFO | 40.0 | 0.0 | Yes (X) | $120,408 | $0 | $7,689 | |||
| Kenneth Darling | |||||||||
| Chief Credit Officer | 40.0 | 0.0 | Yes (X) | $343,682 | $0 | $29,127 | |||
| Kevin Landel | |||||||||
| Chief Information Officer | 40.0 | 0.0 | Yes (X) | $262,620 | $0 | $38,737 | |||
| Susan Makris eff 4114 | |||||||||
| Chief Human Resource Officer | 40.0 | 0.0 | Yes (X) | $186,433 | $0 | $17,352 | |||
| Melissa Morgan eff 9514 | |||||||||
| Chief Retail Officer | 40.0 | 0.0 | Yes (X) | $75,369 | $0 | $5,436 | |||
| Christopher Allen eff21014 | |||||||||
| Chief audit executive | 40.0 | 0.0 | Yes (X) | $225,509 | $0 | $34,675 | |||
| Jose Jimenez | |||||||||
| Chief Risk Officer | 40.0 | 0.0 | Yes (X) | $252,141 | $0 | $39,207 | |||
| Scott Waite ended 123114 | |||||||||
| CFO | 40.0 | 0.0 | Yes (X) | $335,139 | $0 | $47,563 | |||
| Mark Hoaglin ended 101714 | |||||||||
| VP Investments & Ins services | 40.0 | 0.0 | $273,751 | $0 | $37,737 | Yes (X) | |||
| Pansy Fong | |||||||||
| VP Finance | 40.0 | 0.0 | $215,455 | $0 | $22,425 | Yes (X) | |||
| Cory Schwab ended 51514 | |||||||||
| VP Member Business Loans | 40.0 | 0.0 | $167,332 | $0 | $12,020 | Yes (X) | |||
| Alison Jones | |||||||||
| VP Marketing | 40.0 | 0.0 | $261,179 | $0 | $45,545 | Yes (X) | |||
| Rebecca Arcia-Nicolay | |||||||||
| VP Consumer Underwriting | 40.0 | 0.0 | $220,995 | $0 | $34,189 | Yes (X) | |||
| Vincent Salinas | |||||||||
| VP of Home Loans | 40.0 | 0.0 | $184,737 | $0 | $28,171 | Yes (X) | |||
| Leilani Apolonio | |||||||||
| VP Operations | 40.0 | 0.0 | $168,566 | $0 | $13,765 | Yes (X) | |||
| Flora Nafei | |||||||||
| VP Sales & Member Service | 40.0 | 0.0 | $204,885 | $0 | $31,640 | Yes (X) | |||
| Sandra Scott | |||||||||
| VP Card Services | 40.0 | 0.0 | $157,087 | $0 | $21,122 | Yes (X) | |||
| Arturo Vazquez | |||||||||
| Fin analysis & Statistics Dir | 40.0 | 0.0 | $166,451 | $0 | $6,668 | Yes (X) | |||
| Mark Peters | |||||||||
| VP Project Management | 40.0 | 0.0 | $168,211 | $0 | $35,487 | Yes (X) | |||
| Martin Doyle | |||||||||
| VP of Technology | 40.0 | 0.0 | $169,533 | $0 | $19,791 | Yes (X) | |||
| Erik Welch | |||||||||
| VP Retail Operations | 40.0 | 0.0 | $193,385 | $0 | $12,570 | Yes (X) | |||
| Scott George | |||||||||
| VP Information Systems | 40.0 | 0.0 | $195,876 | $0 | $29,202 | Yes (X) | |||
| James Marasco | |||||||||
| Home Loan Consultant | 40.0 | 0.0 | $381,116 | $0 | $58,830 | Yes (X) | |||
| Emmanuel Pablo | |||||||||
| financial Consultant | 40.0 | 0.0 | $604,773 | $0 | $56,478 | Yes (X) | |||
| Patricia Vallejo | |||||||||
| Home Loan Consultant | 40.0 | 0.0 | $268,788 | $0 | $42,176 | Yes (X) | |||
| Joseph Long | |||||||||
| Financial Consultant | 40.0 | 0.0 | $279,459 | $0 | $49,475 | Yes (X) | |||
| Darryl Hall | |||||||||
| Financial Consultant | 40.0 | 0.0 | $307,930 | $0 | $42,986 | Yes (X) | |||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | $7,386,678 | TotalReportableCompFromOrgAmt |
| Tot Reportable Comp Rltd Org | $0 | TotReportableCompRltdOrgAmt |
| Total Other Compensation | $1,066,508 | TotalOtherCompensationAmt |
| Indiv Rcvd Greater Than100 K | 68 | 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 Inc | |||||
| po box 80123 | CITY OF INDUSTRY | CA | 917168123 | online procssing | $2,519,293 |
| diamond marketing solutions group | |||||
| 1318 momentum place | CHICAGO | IL | 606895313 | statement processing | $968,625 |
| experian | |||||
| po box 881971 | LOS ANGELES | CA | 90088 | credit reports | $959,555 |
| diebold incorporated | |||||
| po box 643543 | PITTSBURGH | PA | 152643543 | maintenance | $899,687 |
| ATT | |||||
| PO Box 5019 | CAROL STREAM | IL | 60197 | communication | $1,238,757 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Cntrct Rcvd Greater Than100 K | 59 | CntrctRcvdGreaterThan100KCnt |
| Total Contributions | $0 | TotalContributionsAmt |
Program Service Revenue ProgramServiceRevenueGrp (4 entries)
| DescDesc | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt | BusinessBusinessCd | Unrelated Business RevenueUnrelatedBusinessRevenueAmt |
|---|---|---|---|---|
| INTEREST ON LOANS TO MEMBERS | $100,988,056 | $100,988,056 | ||
| SERVICE CHARGES | $10,384,724 | $10,384,724 | ||
| ATM FEES | $6,474,913 | $6,152,347 | 524298 | $322,566 |
| INTERCHANGE INCOME | $12,818,652 | $12,818,652 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | $130,666,345 | TotalProgramServiceRevenueAmt |
Investment Income InvestmentIncomeGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $15,852,001 | TotalRevenueColumnAmt |
| Exclusion | $15,852,001 | 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 |
Rental Income Or Loss RentalIncomeOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $0 | RealAmt |
| Personal | $0 | PersonalAmt |
Net Rental Income Or Loss NetRentalIncomeOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $0 | TotalRevenueColumnAmt |
Gross Amount Sales Assets GrossAmountSalesAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | $345,235,516 | SecuritiesAmt |
| Other | $3,450,702 | OtherAmt |
Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | $343,684,620 | SecuritiesAmt |
Gain Or Loss GainOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | $1,550,896 | SecuritiesAmt |
| Other | $3,450,702 | OtherAmt |
Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $5,001,598 | TotalRevenueColumnAmt |
| Exclusion | $5,001,598 | ExclusionAmt |
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 |
Net Income Or Loss NetIncomeOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $0 | TotalRevenueColumnAmt |
Other Revenue Misc OtherRevenueMiscGrp (3 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt |
|---|---|---|---|
| MISC INCOME | 900099 | $3,022,277 | $3,022,277 |
| CREDIT INSURANCE REVENUE | 900099 | $1,365,519 | $1,365,519 |
| INVESTMENT ADVISORY INCOME | 900099 | $3,776,002 | $3,776,002 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Revenue Total | $8,163,798 | OtherRevenueTotalAmt |
Total Revenue TotalRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $159,683,742 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $138,507,577 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $322,566 | UnrelatedBusinessRevenueAmt |
| Exclusion | $20,853,599 | 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 | $0 | TotalAmt |
Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $5,544,612 | 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 | $36,161,979 | TotalAmt |
Pension Plan Contributions PensionPlanContributionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,829,555 | TotalAmt |
Other Employee Benefits OtherEmployeeBenefitsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $6,523,295 | TotalAmt |
Payroll Taxes PayrollTaxesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $3,187,104 | TotalAmt |
Fees For Services Management FeesForServicesManagementGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $218,411 | TotalAmt |
Fees For Services Legal FeesForServicesLegalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $245,130 | TotalAmt |
Fees For Services Accounting FeesForServicesAccountingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $286,308 | 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 | $307,280 | TotalAmt |
Advertising AdvertisingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $2,581,897 | TotalAmt |
Office Expenses OfficeExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $4,111,111 | TotalAmt |
Information Technology InformationTechnologyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $3,764,660 | TotalAmt |
Royalties RoyaltiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Occupancy OccupancyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $8,557,355 | TotalAmt |
Travel TravelGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,397,786 | 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 | $14,347,891 | TotalAmt |
Payments To Affiliates PaymentsToAffiliatesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Depreciation Depletion DepreciationDepletionGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,837,128 | TotalAmt |
Insurance InsuranceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,052,266 | TotalAmt |
Other Expenses OtherExpensesGrp (4 entries)
| DescDesc | TotalTotalAmt |
|---|---|
| PROVISION FOR LOAN LOSSES | $3,361,000 |
| LOAN SERVICING EXPENSES | $11,325,506 |
| ATM & OTHER PROCESSING EXPENSE | $4,921,881 |
| EQUIPMENT/MAINTENANCE | $1,622,362 |
All Other Expenses AllOtherExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $3,800,926 | TotalAmt |
Total Functional Expenses TotalFunctionalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $116,985,443 | TotalAmt |
Cash Non Interest Bearing CashNonInterestBearingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $28,102,104 | BOYAmt |
| EOY | $45,802,903 | EOYAmt |
Savings And Temp Cash Invst SavingsAndTempCashInvstGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $420,478,149 | BOYAmt |
| EOY | $139,670,250 | EOYAmt |
Pledges And Grants Receivable PledgesAndGrantsReceivableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Accounts Receivable AccountsReceivableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $28,369,724 | BOYAmt |
| EOY | $31,911,490 | EOYAmt |
Receivables From Officers Etc ReceivablesFromOfficersEtcGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $2,287,614,556 | BOYAmt |
| EOY | $2,819,045,824 | EOYAmt |
Inventories For Sale Or Use InventoriesForSaleOrUseGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,706,957 | BOYAmt |
| EOY | $2,228,946 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Bldg Equip Cost Or Other Bss | $29,727,326 | LandBldgEquipCostOrOtherBssAmt |
| Land Bldg Equip Accum Deprec | $24,634,953 | LandBldgEquipAccumDeprecAmt |
Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $5,853,794 | BOYAmt |
| EOY | $5,092,373 | EOYAmt |
Investments Pub Traded Sec InvestmentsPubTradedSecGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,157,206,707 | BOYAmt |
| EOY | $1,041,438,848 | EOYAmt |
Investments Other Securities InvestmentsOtherSecuritiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $4,384,360 | BOYAmt |
| EOY | $30,889,515 | EOYAmt |
Investments Program Related InvestmentsProgramRelatedGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Intangible Assets IntangibleAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $24,724,277 | BOYAmt |
| EOY | $24,438,513 | EOYAmt |
Other Assets Total OtherAssetsTotalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $52,797,883 | BOYAmt |
| EOY | $55,188,667 | EOYAmt |
Total Assets TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $4,011,238,511 | BOYAmt |
| EOY | $4,195,707,329 | EOYAmt |
Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $33,227,702 | BOYAmt |
| EOY | $49,939,203 | EOYAmt |
Grants Payable GrantsPayableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Deferred Revenue DeferredRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Tax Exempt Bond Liabilities TaxExemptBondLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Escrow Account Liability EscrowAccountLiabilityGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $5,414,918 | BOYAmt |
| EOY | $5,254,745 | EOYAmt |
Loans From Officers Directors LoansFromOfficersDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Unsecured Notes Loans Payable UnsecuredNotesLoansPayableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Other Liabilities OtherLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $3,499,878,478 | BOYAmt |
| EOY | $3,633,924,910 | EOYAmt |
Total Liabilities TotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $3,538,521,098 | BOYAmt |
| EOY | $3,689,118,858 | 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 | $472,717,413 | BOYAmt |
| EOY | $506,588,471 | EOYAmt |
Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $472,717,413 | BOYAmt |
| EOY | $506,588,471 | EOYAmt |
Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $4,011,238,511 | BOYAmt |
| EOY | $4,195,707,329 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part XI | Yes (X) | InfoInScheduleOPartXIInd |
| Reconcilation Revenue Expnss | $42,698,299 | ReconcilationRevenueExpnssAmt |
| Net Unrlzd Gains Losses Invst | $8,385,000 | NetUnrlzdGainsLossesInvstAmt |
| Other Changes In Net Assets | -$17,212,241 | 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) |
|---|---|---|
| Consolidated Basis Fincl Stmt | Yes (X) | ConsolidatedBasisFinclStmtInd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Audit Committee | Yes (true) | AuditCommitteeInd |
Schedule C IRS990ScheduleC
| Field | Value | IRS element (for citing) |
|---|---|---|
| Political Expenditures | $18,000 | PoliticalExpendituresAmt |
| Form1120 POL Filed | Yes (true) | Form1120POLFiledInd |
Section527 Political Org Section527PoliticalOrgGrp (2 entries)
| Address Line1USAddress/AddressLine1Txt | CityUSAddress/CityNm | State AbbreviationUSAddress/StateAbbreviationCd | ZIPUSAddress/ZIPCd | EINEIN | Paid Internal FundsPaidInternalFundsAmt | Contributions Rcvd DlvrContributionsRcvdDlvrAmt | Business Name Line2OrganizationBusinessName/BusinessNameLine2Txt |
|---|---|---|---|---|---|---|---|
| CCUL-PAC | |||||||
| PO Box 51476 | Ontario | CA | 917610076 | 942329967 | $17,000 | $0 | |
| Roger Dickinson for | |||||||
| 510 Bercut Drive Suite S | Sacramento | CA | 95811 | $1,000 | $0 | Senate 2014 | |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Grassroots Lobbying | TotalGrassrootsLobbyingGrp | |
| Total Direct Lobbying | TotalDirectLobbyingGrp | |
| Total Lobbying Expend | TotalLobbyingExpendGrp | |
| Other Exempt Purpose Expend | OtherExemptPurposeExpendGrp | |
| Total Exempt Purpose Expend | TotalExemptPurposeExpendGrp | |
| Lobbying Nontaxable Amount | LobbyingNontaxableAmountGrp | |
| Grassroots Nontaxable | GrassrootsNontaxableGrp | |
| Tot Lbbyng Grassroot Mns Non Tx | TotLbbyngGrassrootMnsNonTxGrp | |
| Tot Lbby Expend Mns Lbbyng Non Tx | TotLbbyExpendMnsLbbyngNonTxGrp |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | Schedule C, Part I-A, Line 1 - Description of Political Activities | FormAndLineReferenceDesc |
| Explanation | The Credit Union's activites include donations to campaigns and PACs related to those that support credit unions and specific legislation that is important and beneficial to credit unions. | ExplanationTxt |
Schedule D IRS990ScheduleD
| Field | Value | IRS element (for citing) |
|---|---|---|
| Art Public Exhibition Amounts | ArtPublicExhibitionAmountsGrp | |
| Held Works Art | HeldWorksArtGrp | |
| Agent Trustee Etc | false | AgentTrusteeEtcInd |
| Incl Escrow Custodial Acct Liab | Yes (true) | InclEscrowCustodialAcctLiabInd |
| Explanation Provided | Yes (X) | ExplanationProvidedInd |
| CY Minus3 Yr Endwmt Fund | CYMinus3YrEndwmtFundGrp | |
| CY Minus4 Yr Endwmt Fund | CYMinus4YrEndwmtFundGrp |
Land LandGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $480,734 | OtherCostOrOtherBasisAmt |
| Book Value | $480,734 | BookValueAmt |
Buildings BuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $2,175,597 | OtherCostOrOtherBasisAmt |
| Depreciation | $1,569,094 | DepreciationAmt |
| Book Value | $606,503 | BookValueAmt |
Leasehold Improvements LeaseholdImprovementsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $6,720,472 | OtherCostOrOtherBasisAmt |
| Depreciation | $5,375,770 | DepreciationAmt |
| Book Value | $1,344,702 | BookValueAmt |
Equipment EquipmentGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $10,324,073 | OtherCostOrOtherBasisAmt |
| Depreciation | $8,875,665 | DepreciationAmt |
| Book Value | $1,448,408 | BookValueAmt |
Other Land Buildings OtherLandBuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $10,026,450 | OtherCostOrOtherBasisAmt |
| Depreciation | $8,814,424 | DepreciationAmt |
| Book Value | $1,212,026 | BookValueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Land Buildings | $5,092,373 | TotalBookValueLandBuildingsAmt |
| Federal Income Tax Liability | $0 | FederalIncomeTaxLiabilityAmt |
Other Liabilities Org OtherLiabilitiesOrgGrp (6 entries)
| DescDesc | AmtAmt |
|---|---|
| REGULAR SHARES | $940,786,813 |
| SHARE DRAFTS | $856,319,739 |
| MONEY MARKET ACCOUNTS | $766,677,740 |
| SHARE CERTIFICATES | $831,790,387 |
| IRA/KEOGH ACCOUNTS | $118,105,825 |
| TREASURY PLUS ACCOUNTS | $120,244,406 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Liability | $3,633,924,910 | TotalLiabilityAmt |
| Footnote Text | Yes (X) | FootnoteTextInd |
Supplemental Information Detail SupplementalInformationDetail (2 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| Schedule D, Part IV - Escrow Account | The Credit Union holds funds in escrow account in connection with the mortgage loans. THE CREDIT UNION COMPLIES WITH ALL FEDERAL & STATE LAWS REGARDING DISCLOSURES AND OPERATION OF THESE ACCOUNTS. |
| Schedule D, Part X, Line 2 - Uncertain Tax Positions | The Credit Union is a state-chartered credit union, as described in Internal Revenue Code Section 501(c)(14). As such, the Credit Union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. However, IRS SEction 511 imposes a tax on the unrelated business income (as defined in section 512) derived by state-chartered credit unions. Many states have similar laws. The specific application of section 512 to the various activities conducted by state-chartered credit unions has been at issue for many years. During 2007, the IRS issued a series of technical advice memoranda (TAM) to a number of state-chartered credit unions located throughout the country. In light of the TAMs, the Credit Union has assessed its activities and any potential federal or state income tax liability. In the opinion of management, any liability arising from federal or state taxation of activities deemed to be unrelated to its exempt purposes is not expected to have a material effect on the Credit Union's financial position or results of operations. Financial Accounting Standards Board ("FASB") Accounting Standard Codification ("ASC") 740-10-65, Income Taxes, provides guidance for how uncertain tax positions should be recognized, measured, disclosed and presented in the financial statements. This requires the evaluation of tax positions taken or expected to be taken in the course of preparing the Credit Union's tax returns to determine whether the tax positions are "more likely than not" of being sustained "when challenged" or "when examined" by the applicable tax authority. Tax positions not deemed to meet the more likely than not threshold would be recorded as a tax expense and liability in the current year. For the years ended December 31, 2014 and 2013, management has determined that there are no material uncertain tax positions and, accordingly, has not recorded a liability for the payment of interest or penalties. the credit union is not subject to examinattion by U.S. federal and state tax authorities for the tax year before 2008. |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Travel For Companions | Yes (X) | TravelForCompanionsInd |
| Written Policy Ref T And E Expnss | Yes (true) | WrittenPolicyRefTAndEExpnssInd |
| Substantiation Required | Yes (true) | SubstantiationRequiredInd |
| 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 (27 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Erin Mendez | ||||||||||||||
| President/CEO | $500,000 | $0 | $265,001 | $0 | $8,004 | $0 | $199,445 | $0 | $25,254 | $0 | $997,704 | $0 | $0 | $0 |
| Ryan Misasi ended 52314 | ||||||||||||||
| Chief Retail Officer | $125,860 | $0 | $50,750 | $0 | $1,513 | $0 | $10,069 | $0 | $11,677 | $0 | $199,869 | $0 | $0 | $0 |
| Kenneth Darling | ||||||||||||||
| Chief Credit Officer | $260,000 | $0 | $80,600 | $0 | $3,082 | $0 | $20,800 | $0 | $8,327 | $0 | $372,809 | $0 | $0 | $0 |
| Kevin Landel | ||||||||||||||
| Chief Information Officer | $224,285 | $0 | $28,100 | $0 | $10,235 | $0 | $11,438 | $0 | $27,299 | $0 | $301,357 | $0 | $0 | $0 |
| Susan Makris eff 4114 | ||||||||||||||
| Chief Human Resource Officer | $155,833 | $0 | $30,600 | $0 | $0 | $0 | $12,467 | $0 | $4,885 | $0 | $203,785 | $0 | $0 | $0 |
| Christopher Allen eff21014 | ||||||||||||||
| Chief audit executive | $191,827 | $0 | $30,600 | $0 | $3,082 | $0 | $13,724 | $0 | $20,951 | $0 | $260,184 | $0 | $0 | $0 |
| Jose Jimenez | ||||||||||||||
| Chief Risk Officer | $220,000 | $0 | $30,600 | $0 | $1,541 | $0 | $15,767 | $0 | $23,440 | $0 | $291,348 | $0 | $0 | $0 |
| Mark Hoaglin ended 101714 | ||||||||||||||
| VP Investments & Ins services | $106,260 | $0 | $167,491 | $0 | $0 | $0 | $21,418 | $0 | $16,319 | $0 | $311,488 | $0 | $0 | $0 |
| Pansy Fong | ||||||||||||||
| VP Finance | $176,959 | $0 | $17,861 | $0 | $20,635 | $0 | $14,159 | $0 | $8,266 | $0 | $237,880 | $0 | $0 | $0 |
| Cory Schwab ended 51514 | ||||||||||||||
| VP Member Business Loans | $147,967 | $0 | $19,365 | $0 | $0 | $0 | $7,775 | $0 | $4,245 | $0 | $179,352 | $0 | $0 | $0 |
| Alison Jones | ||||||||||||||
| VP Marketing | $220,521 | $0 | $27,088 | $0 | $13,570 | $0 | $17,644 | $0 | $27,901 | $0 | $306,724 | $0 | $0 | $0 |
| Rebecca Arcia-Nicolay | ||||||||||||||
| VP Consumer Underwriting | $181,528 | $0 | $30,860 | $0 | $8,607 | $0 | $32,024 | $0 | $2,165 | $0 | $255,184 | $0 | $0 | $0 |
| Vincent Salinas | ||||||||||||||
| VP of Home Loans | $167,627 | $0 | $17,110 | $0 | $0 | $0 | $20,663 | $0 | $7,508 | $0 | $212,908 | $0 | $0 | $0 |
| James Marasco | ||||||||||||||
| Home Loan Consultant | $36,000 | $0 | $342,524 | $0 | $2,592 | $0 | $33,024 | $0 | $25,806 | $0 | $439,946 | $0 | $0 | $0 |
| Leilani Apolonio | ||||||||||||||
| VP Operations | $144,976 | $0 | $17,978 | $0 | $5,612 | $0 | $11,600 | $0 | $2,165 | $0 | $182,331 | $0 | $0 | $0 |
| Flora Nafei | ||||||||||||||
| VP Sales & Member Service | $173,314 | $0 | $31,571 | $0 | $0 | $0 | $13,867 | $0 | $17,773 | $0 | $236,525 | $0 | $0 | $0 |
| Sandra Scott | ||||||||||||||
| VP Card Services | $143,018 | $0 | $14,069 | $0 | $0 | $0 | $11,444 | $0 | $9,678 | $0 | $178,209 | $0 | $0 | $0 |
| Emmanuel Pablo | ||||||||||||||
| financial Consultant | $33,600 | $0 | $569,881 | $0 | $1,292 | $0 | $45,144 | $0 | $11,334 | $0 | $661,251 | $0 | $0 | $0 |
| Scott Waite ended 123114 | ||||||||||||||
| CFO | $322,431 | $0 | $1,500 | $0 | $11,208 | $0 | $21,624 | $0 | $25,939 | $0 | $382,702 | $0 | $0 | $0 |
| Arturo Vazquez | ||||||||||||||
| Fin analysis & Statistics Dir | $150,261 | $0 | $11,597 | $0 | $4,593 | $0 | $4,510 | $0 | $2,158 | $0 | $173,119 | $0 | $0 | $0 |
| Mark Peters | ||||||||||||||
| VP Project Management | $152,922 | $0 | $9,361 | $0 | $5,928 | $0 | $12,236 | $0 | $23,251 | $0 | $203,698 | $0 | $0 | $0 |
| Martin Doyle | ||||||||||||||
| VP of Technology | $168,693 | $0 | $840 | $0 | $0 | $0 | $11,373 | $0 | $8,418 | $0 | $189,324 | $0 | $0 | $0 |
| Erik Welch | ||||||||||||||
| VP Retail Operations | $168,214 | $0 | $25,171 | $0 | $0 | $0 | $5,049 | $0 | $7,521 | $0 | $205,955 | $0 | $0 | $0 |
| Scott George | ||||||||||||||
| VP Information Systems | $171,703 | $0 | $17,517 | $0 | $6,656 | $0 | $13,739 | $0 | $15,463 | $0 | $225,078 | $0 | $0 | $0 |
| Patricia Vallejo | ||||||||||||||
| Home Loan Consultant | $36,000 | $0 | $231,403 | $0 | $1,385 | $0 | $17,888 | $0 | $24,288 | $0 | $310,964 | $0 | $0 | $0 |
| Joseph Long | ||||||||||||||
| Financial Consultant | $33,600 | $0 | $244,567 | $0 | $1,292 | $0 | $26,071 | $0 | $23,404 | $0 | $328,934 | $0 | $0 | $0 |
| Darryl Hall | ||||||||||||||
| Financial Consultant | $33,600 | $0 | $274,330 | $0 | $0 | $0 | $17,832 | $0 | $25,154 | $0 | $350,916 | $0 | $0 | $0 |
Supplemental Information Detail SupplementalInformationDetail (3 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| Schedule J, Part I, Line 1a - Travel for Companions | The Credit Union provides travel for companions benefits to the board members and reports applicable amounts as taxable benefits. |
| Schedule J, Part I, Line 4a - Severance Payments | Cory Schwab received $50,785 of servance payment in 2014 |
| Schedule J, Part I, Line 4b - 457(f) nonqualified plan | The credit union entered into a 457(f) plan with Erin Mendez, CEO in 2014. $150,904 was included in Erin Mendez's deferred compensation on Schedule J, Part II, Column (c). |
Schedule L IRS990ScheduleL
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | SCHEDULE L, PART II - LOANS TO AND/OR FROM INTEREST PERSONS | FormAndLineReferenceDesc |
| Explanation | SOME OF THE OFFICERS, DIRECTORS and key employees HAVE LOANS OUTSTANDING FROM THE CREDIT UNION. THESE LOANS WERE OBTAINED IN THE ORDINARY COURSE OF BUSINESS OF THE CREDIT UNION ON THE SAME TERMS AVAILABLE TO ALL MEMBERS. BASED ON THE SCHEDULE L INSTRUCTIONS, THESE LOANS ARE NOT DISCLOSED. | ExplanationTxt |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (6 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| 990, Part VI, Section A, Lines 6, 7a & 7b - Members | Line 6 - Patelco Credit Union is a state-chartered credit union organized under the provisions of the california credit union act. Membership in the credit union is limited to those individuals taht qualify for membership, including employees of AT&T, Walgreens and other specific employer sponsors, and individuals who live, work, or worship in one of a specific froup of cities in Northern California. The field of membership is defined by the credit union bylaws. Lines 7a & 7b - the credit union members elect board of directors with varied terms at an annual meeting held each year. |
| 990, Part VI, section B, Line 11b - Review of 990 | Form 990 is reviewed by the CFO and the chairperson of the finance committee. It is also available to all board members for review prior filing with the IRS. |
| 990, Part VI, Section B, Line 12c - Conflict of Interest Policy | All employees and officials are subjects to credit union conflict of interest policies. Violations could be subject to discriplinary action. All in-house accounts held with the credit union are subject to internal review. |
| 990, Part VI, Section B, Line 15 - Compensation determination process | All management positions have compensation set by the policies and guidelines approved by board of Directors or CEO. |
| 990, Part VI, Section C, Line 19 - Governing Documents | The Credit Union makes its financial statements available to the public by posing them in each of its retail branches. Its annual reports and financial statements are posted on the Patelco Credit Union's website at www.patelco.org. Governing documents and conflict of interest policies are available to the members upon reques in writing. |
| 990, Part XI, Line 9 - Other Change in Net Assets | Net Change in FAS 158 Pension Liability ($17,212,241) |
Schedule R IRS990ScheduleR
Id Related Org Txbl Corp Tr IdRelatedOrgTxblCorpTrGrp (2 entries)
| Address Line1USAddress/AddressLine1Txt | CityUSAddress/CityNm | State AbbreviationUSAddress/StateAbbreviationCd | ZIPUSAddress/ZIPCd | EINEIN | Primary ActivitiesPrimaryActivitiesTxt | Legal Domicile StateLegalDomicileStateCd | Business Name Line1DirectControllingEntityName/BusinessNameLine1Txt | Entity TypeEntityTypeTxt | Share Of Total IncomeShareOfTotalIncomeAmt | Share Of EOY AssetsShareOfEOYAssetsAmt | OwnershipOwnershipPct | Controlled OrganizationControlledOrganizationInd |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Patelcorp Service Organization | ||||||||||||
| 5050 Hopyard Rd | Pleasanton | CA | 94588 | 943068709 | Ins & investments | CA | Patelco CU | C Corp | $554,003 | $2,083,846 | 1.00000 | Yes (true) |
| Members Advantage Plus | ||||||||||||
| 5050 hopyard rd | pleasanton | CA | 94588 | 943233988 | auto byuing svcs | CA | Patelco CU | C Corp | $294,476 | $236,387 | 1.00000 | Yes (true) |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Receipt Of Int Annts Rnts Rylts | false | ReceiptOfIntAnntsRntsRyltsInd |
| Gift Grnt Or Cap Contri To Oth Org | false | GiftGrntOrCapContriToOthOrgInd |
| Gift Grnt Cap Contri From Oth Org | false | GiftGrntCapContriFromOthOrgInd |
| Loans Or Guarantees To Other Org | false | LoansOrGuaranteesToOtherOrgInd |
| Loans Or Guarantees From Oth Org | false | LoansOrGuaranteesFromOthOrgInd |
| Div Related Organization | false | DivRelatedOrganizationInd |
| Asset Sale To Other Org | false | AssetSaleToOtherOrgInd |
| Asset Purchase From Other Org | false | AssetPurchaseFromOtherOrgInd |
| Asset Exchange | false | AssetExchangeInd |
| Rental Of Facilities To Oth Org | false | RentalOfFacilitiesToOthOrgInd |
| Rental Of Fclts From Oth Org | false | RentalOfFcltsFromOthOrgInd |
| Perform Of Services For Oth Org | false | PerformOfServicesForOthOrgInd |
| Perform Of Services By Other Org | Yes (true) | PerformOfServicesByOtherOrgInd |
| Sharing Of Facilities | Yes (true) | SharingOfFacilitiesInd |
| Paid Employees Sharing | Yes (true) | PaidEmployeesSharingInd |
| Reimbursement Paid To Other Org | false | ReimbursementPaidToOtherOrgInd |
| Reimbursement Paid By Other Org | Yes (true) | ReimbursementPaidByOtherOrgInd |
| Transfer To Other Org | false | TransferToOtherOrgInd |
| Transfer From Other Org | false | TransferFromOtherOrgInd |
Transactions Related Org TransactionsRelatedOrgGrp (7 entries)
| Transaction TypeTransactionTypeTxt | InvolvedInvolvedAmt | Method Of Amount DeterminationMethodOfAmountDeterminationTxt |
|---|---|---|
| MEMBERS ADVANTAGE PLUS | ||
| m | $294,476 | FMV |
| MEMBERS ADVANTAGE PLUS | ||
| q | $45,821 | fmv |
| Patelcorp service organization | ||
| m | $554,003 | fmv |
| Patelcorp service organization | ||
| q | $247,132 | fmv |
| Patelcorp service organization | ||
| o | $59,236 | fmv |
| MEMBERS ADVANTAGE PLUS | ||
| n | $15,177 | fmv |
| MEMBERS ADVANTAGE PLUS | ||
| o | $200,515 | fmv |