CREDIT UNIONS IN THE STATE OF CALIFORNIA: Form 990, tax year 2024
View the entire original 990 at ProPublica ↗
- Organization
- CREDIT UNIONS IN THE STATE OF CALIFORNIA (EIN 95-2030824)
- Tax period
- 2024-01-01 to 2024-12-31
- Filed
- 2025-11-04
- IRS object ID
- 202523089349300927
- Schema version
- 2024v5.2
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2025-11-04T08:32:57-06:00 | ReturnTs |
| Tax Period End | 2024-12-31 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Firm EIN | 410746749 | PreparerFirmEIN |
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | CLIFTONLARSONALLEN LLP | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 2875 MICHELLE DRIVE 300 | AddressLine1Txt |
| City | IRVINE | CityNm |
| State Abbreviation | CA | StateAbbreviationCd |
| ZIP | 92606 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnTypeCd |
| Tax Period Begin | 2024-01-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 952030824 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | AMERICA'S CHRISTIAN CREDIT UNION | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | CRED | BusinessNameControlTxt |
| Phone | 8003436328 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 2100 E ROUTE 66 | AddressLine1Txt |
| City | GLENDORA | CityNm |
| State Abbreviation | CA | StateAbbreviationCd |
| ZIP | 91740 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | CINDY MORGAN | PersonNm |
| Person Title | VP / CHIEF FINANCIAL OFFICER | PersonTitleTxt |
| Phone | 8003436328 | PhoneNum |
| Signature | 2025-11-02 | SignatureDt |
| Discuss With Paid Preparer | Yes (1) | DiscussWithPaidPreparerInd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| IRS Responsible Prty Info Curr | Yes (1) | IRSResponsiblePrtyInfoCurrInd |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | LISA N RYSSEL CPA | PreparerPersonNm |
| PTIN | P00643670 | PTIN |
| Phone | 7149781300 | PhoneNum |
| Preparation | 2025-11-02 | PreparationDt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2024 | TaxYr |
| Build TS | 2025-03-06 01:10:19Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Principal Officer | CINDY MORGAN | PrincipalOfficerNm |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 2100 E ROUTE 66 | AddressLine1Txt |
| City | GLENDORA | CityNm |
| State Abbreviation | CA | StateAbbreviationCd |
| ZIP | 91740 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | $40,276,852 | GrossReceiptsAmt |
| Group Return For Affiliates | 0 | GroupReturnForAffiliatesInd |
| Organization501c | Yes (X) | Organization501cInd |
| Website Address | WWW.AMERICASCHRISTIANCU.COM | WebsiteAddressTxt |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Formation | 1958 | FormationYr |
| Legal Domicile State | CA | LegalDomicileStateCd |
| Activity Or Mission | TO PROVIDE FINANCIAL SERVICES TO THOSE WHO ALIGN THEMSELVES WITH THE WESLEYAN CHRISTIAN DOCTRINE. | ActivityOrMissionDesc |
| Voting Members Governing Body | 7 | VotingMembersGoverningBodyCnt |
| Voting Members Independent | 7 | VotingMembersIndependentCnt |
| Total Employee | 125 | TotalEmployeeCnt |
| Total Volunteers | 12 | TotalVolunteersCnt |
| Total Gross UBI | $25,930 | TotalGrossUBIAmt |
| Net Unrelated Bus Txbl Incm | $0 | NetUnrelatedBusTxblIncmAmt |
| PY Contributions Grants | $0 | PYContributionsGrantsAmt |
| CY Contributions Grants | $0 | CYContributionsGrantsAmt |
| PY Program Service Revenue | $30,201,011 | PYProgramServiceRevenueAmt |
| CY Program Service Revenue | $32,715,945 | CYProgramServiceRevenueAmt |
| PY Investment Income | $3,677,313 | PYInvestmentIncomeAmt |
| CY Investment Income | $6,464,013 | CYInvestmentIncomeAmt |
| PY Other Revenue | $251,948 | PYOtherRevenueAmt |
| CY Other Revenue | $333,369 | CYOtherRevenueAmt |
| PY Total Revenue | $34,130,272 | PYTotalRevenueAmt |
| CY Total Revenue | $39,513,327 | CYTotalRevenueAmt |
| PY Grants And Similar Paid | $142,353 | PYGrantsAndSimilarPaidAmt |
| CY Grants And Similar Paid | $119,125 | CYGrantsAndSimilarPaidAmt |
| PY Benefits Paid To Members | $8,254,757 | PYBenefitsPaidToMembersAmt |
| CY Benefits Paid To Members | $13,218,313 | CYBenefitsPaidToMembersAmt |
| PY Salaries Comp Emp Bnft Paid | $11,311,499 | PYSalariesCompEmpBnftPaidAmt |
| CY Salaries Comp Emp Bnft Paid | $12,638,099 | CYSalariesCompEmpBnftPaidAmt |
| PY Total Prof Fndrsng Expns | $0 | PYTotalProfFndrsngExpnsAmt |
| CY Total Prof Fndrsng Expns | $0 | CYTotalProfFndrsngExpnsAmt |
| CY Total Fundraising Expense | $0 | CYTotalFundraisingExpenseAmt |
| PY Other Expenses | $9,530,327 | PYOtherExpensesAmt |
| CY Other Expenses | $10,108,018 | CYOtherExpensesAmt |
| PY Total Expenses | $29,238,936 | PYTotalExpensesAmt |
| CY Total Expenses | $36,083,555 | CYTotalExpensesAmt |
| PY Revenues Less Expenses | $4,891,336 | PYRevenuesLessExpensesAmt |
| CY Revenues Less Expenses | $3,429,772 | CYRevenuesLessExpensesAmt |
| Total Assets BOY | $643,303,273 | TotalAssetsBOYAmt |
| Total Assets EOY | $688,840,404 | TotalAssetsEOYAmt |
| Total Liabilities BOY | $595,580,950 | TotalLiabilitiesBOYAmt |
| Total Liabilities EOY | $637,259,822 | TotalLiabilitiesEOYAmt |
| Net Assets Or Fund Balances BOY | $47,722,323 | NetAssetsOrFundBalancesBOYAmt |
| Net Assets Or Fund Balances EOY | $51,580,582 | NetAssetsOrFundBalancesEOYAmt |
| Mission | TO PROVIDE FINANCIAL SERVICES TO THE COMMUNITY OF PEOPLE, CHURCHES AND ORGANIZATIONS WHO ALIGN THEMSELVES WITH THE WESLEYAN CHRISTIAN DOCTRINE. | MissionDesc |
| Significant New Program Srvc | 0 | SignificantNewProgramSrvcInd |
| Significant Change | 0 | SignificantChangeInd |
| Desc | TO ENCOURAGE BIBLICAL STEWARDSHIP AND TO REACH, SERVE, AND TEACH OUR MEMBERS. WE DO THIS BY PROVIDING FINANCIAL SERVICES INCLUDING SAVINGS DEPOSITS, CHECKING, AND ALL DEPOSIT RELATED SERVICES, PROVIDING FINANCING THROUGH LOANS TO MEMBERS, AND BY EDUCATING MEMBERS IN RESPONSIBLE STEWARDSHIP PRINCIPLES. | Desc |
| Described In Section501c3 | 0 | DescribedInSection501c3Ind |
| Schedule B Required | 0 | ScheduleBRequiredInd |
| Political Campaign Acty | 0 | 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 |
| Donor Rstr Or Quasi Endowments | 0 | DonorRstrOrQuasiEndowmentsInd |
| 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 | Yes (1) | GrantsToOrganizationsInd |
| Grants To Individuals | 0 | GrantsToIndividualsInd |
| Schedule J Required | Yes (1) | ScheduleJRequiredInd |
| Tax Exempt Bonds | 0 | TaxExemptBondsInd |
| Loan Outstanding | Yes (1) | LoanOutstandingInd |
| Grant To Related Person | 0 | GrantToRelatedPersonInd |
| Business Rln With Org Mem | 0 | BusinessRlnWithOrgMemInd |
| Business Rln With Fam Mem | 0 | BusinessRlnWithFamMemInd |
| Business Rln With35 Ctrl Ent | 0 | BusinessRlnWith35CtrlEntInd |
| Deductible Non Cash Contri | 0 | DeductibleNonCashContriInd |
| Deductible Art Contribution | 0 | DeductibleArtContributionInd |
| Terminate Operations | 0 | TerminateOperationsInd |
| Partial Liquidation | 0 | PartialLiquidationInd |
| Disregarded Entity | Yes (1) | DisregardedEntityInd |
| Related Entity | 0 | RelatedEntityInd |
| Related Organization Ctrl Ent | 0 | RelatedOrganizationCtrlEntInd |
| Activities Conducted Prtshp | 0 | ActivitiesConductedPrtshpInd |
| Schedule O Required | Yes (1) | ScheduleORequiredInd |
| IRP Document | 9601 | IRPDocumentCnt |
| IRP Document W2 G | 0 | IRPDocumentW2GCnt |
| Backup Wthld Compliance | Yes (1) | BackupWthldComplianceInd |
| Employee | 125 | 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 |
| Subj To Tax Rmnrtn Ex Prcht Pymt | 0 | SubjToTaxRmnrtnExPrchtPymtInd |
| Subject To Excs Tax Net Invst Inc | 0 | SubjectToExcsTaxNetInvstIncInd |
| 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 | Yes (1) | 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 | VICKI VANNBERSTEIN | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Phone | 6262085505 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 2100 E ROUTE 66 | AddressLine1Txt |
| City | GLENDORA | CityNm |
| State Abbreviation | CA | StateAbbreviationCd |
| ZIP | 91740 | ZIPCd |
Form990 Part VII Section A Form990PartVIISectionAGrp (15 entries)
| TitleTitleTxt | Average Hours Per WeekAverageHoursPerWeekRt | Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt | OfficerOfficerInd | Reportable Comp From OrgReportableCompFromOrgAmt | Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt | Other CompensationOtherCompensationAmt | Highest Compensated EmployeeHighestCompensatedEmployeeInd | Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd |
|---|---|---|---|---|---|---|---|---|
| VICKI VANNBERSTEIN | ||||||||
| PRESIDENT & CEO | 40.00 | 0.00 | Yes (X) | $581,661 | $0 | $48,099 | ||
| PATRICK LANGILLE | ||||||||
| SVP/COO | 40.00 | 0.00 | Yes (X) | $285,571 | $0 | $1,793 | ||
| CINDY MORGAN | ||||||||
| CHIEF FINANCIAL OFFICER | 40.00 | 0.00 | Yes (X) | $274,316 | $0 | $1,835 | ||
| EVAMARIE PISANI | ||||||||
| CHIEF MEMBER SERVICES OFFICER | 40.00 | 0.00 | $201,782 | $0 | $21,709 | Yes (X) | ||
| SCOTT DEPRAT | ||||||||
| VP DIGITAL PRODUCTS | 40.00 | 0.00 | $198,865 | $0 | $20,202 | Yes (X) | ||
| ANDREW CASANOVA | ||||||||
| CHIEF MEMBER ACQUISITION OFFICER | 40.00 | 0.00 | $199,202 | $0 | $18,547 | Yes (X) | ||
| MARTHA ARCHER | ||||||||
| COMPLIANCE OFFICER (LEFT 03/2024) | 40.00 | 0.00 | $197,255 | $0 | $7,748 | Yes (X) | ||
| JOEL SANTIAGO | ||||||||
| CHIEF CORPORATE BANKING OFFICER | 40.00 | 0.00 | $198,000 | $0 | $1,692 | Yes (X) | ||
| BARBARA DICKERSON | ||||||||
| CHAIR | 2.00 | 0.00 | Yes (X) | $0 | $0 | $0 | Yes (X) | |
| LISA PENBERTHY | ||||||||
| VICE CHAIR | 2.00 | 0.00 | Yes (X) | $0 | $0 | $0 | Yes (X) | |
| DAVID MORSE | ||||||||
| TREASURER | 2.00 | 0.00 | Yes (X) | $0 | $0 | $0 | Yes (X) | |
| JASON TAVAREZ | ||||||||
| SECRETARY | 2.00 | 0.00 | Yes (X) | $0 | $0 | $0 | Yes (X) | |
| GEOFFREY FELLOWS | ||||||||
| DIRECTOR | 2.00 | 0.00 | $0 | $0 | $0 | Yes (X) | ||
| SYLVIA NASH | ||||||||
| DIRECTOR | 2.00 | 0.00 | $0 | $0 | $0 | Yes (X) | ||
| NATHANIEL SHINE | ||||||||
| DIRECTOR | 2.00 | 0.00 | $0 | $0 | $0 | Yes (X) | ||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | $2,136,652 | TotalReportableCompFromOrgAmt |
| Tot Reportable Comp Rltd Org | $0 | TotReportableCompRltdOrgAmt |
| Total Other Compensation | $121,625 | TotalOtherCompensationAmt |
| Indiv Rcvd Greater Than100 K | 41 | 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 |
|---|---|---|---|---|---|
| Q2 | |||||
| PO BOX 678272 | DALLAX | TX | 75267 | EBANKING AND CLOUD SERVICES | $648,272 |
| FISERV | |||||
| PO BOX 80123 | CITY OF INDUSTRY | CA | 91716 | CORE SYSTEM SERVICES | $371,670 |
| THE GENIE HARRISON LAW FIRM APC ATTORNE | |||||
| 523 W 6TH STREET SUITE 707 | LOS ANGELES | CA | 90014 | LEGAL | $285,000 |
| CLEAN SWEEP JANITORIAL & MAINTENANCE | |||||
| 4300 GROOM RD | BAKER | LA | 70704 | JANITORIAL | $265,988 |
| CHRISTIAN FM MEDIA GROUP LLC | |||||
| 9055 AMERICANA ROAD | VERO BEACH | FL | 32966 | MEDIA | $251,090 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Cntrct Rcvd Greater Than100 K | 15 | CntrctRcvdGreaterThan100KCnt |
Program Service Revenue ProgramServiceRevenueGrp (5 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt | Unrelated Business RevenueUnrelatedBusinessRevenueAmt |
|---|---|---|---|---|
| INTEREST FROM MEMBERS | 522100 | $27,536,813 | $27,536,813 | |
| FEES & CHARGES | 522100 | $3,268,295 | $3,267,165 | $1,130 |
| INTERCHANGE INCOME | 522100 | $873,156 | $873,156 | |
| OTHER OPERATING INCOME | 522100 | $788,893 | $764,093 | $24,800 |
| LOAN SERVICING INCOME | 522100 | $248,788 | $248,788 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | $32,715,945 | TotalProgramServiceRevenueAmt |
Investment Income InvestmentIncomeGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $4,705,350 | TotalRevenueColumnAmt |
| Exclusion | $4,705,350 | ExclusionAmt |
Gross Rents GrossRentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $1,092,265 | RealAmt |
Less Rental Expenses LessRentalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $758,896 | RealAmt |
Rental Income Or Loss RentalIncomeOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $333,369 | RealAmt |
Net Rental Income Or Loss NetRentalIncomeOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $333,369 | TotalRevenueColumnAmt |
| Exclusion | $333,369 | ExclusionAmt |
Gross Amount Sales Assets GrossAmountSalesAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | $1,763,292 | SecuritiesAmt |
Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | $0 | SecuritiesAmt |
| Other | $4,629 | OtherAmt |
Gain Or Loss GainOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | $1,763,292 | SecuritiesAmt |
| Other | -$4,629 | OtherAmt |
Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $1,758,663 | TotalRevenueColumnAmt |
| Exclusion | $1,758,663 | ExclusionAmt |
Total Revenue TotalRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $39,513,327 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $32,690,015 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $25,930 | UnrelatedBusinessRevenueAmt |
| Exclusion | $6,797,382 | ExclusionAmt |
Grants To Domestic Orgs GrantsToDomesticOrgsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $119,125 | TotalAmt |
Benefits To Members BenefitsToMembersGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $13,218,313 | TotalAmt |
Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,193,275 | TotalAmt |
Other Salaries And Wages OtherSalariesAndWagesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $9,636,445 | TotalAmt |
Pension Plan Contributions PensionPlanContributionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $161,737 | TotalAmt |
Other Employee Benefits OtherEmployeeBenefitsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $867,057 | TotalAmt |
Payroll Taxes PayrollTaxesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $779,585 | TotalAmt |
Fees For Services Legal FeesForServicesLegalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $201,228 | TotalAmt |
Fees For Services Accounting FeesForServicesAccountingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $226,572 | TotalAmt |
Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $2,406 | TotalAmt |
Fees For Services Other FeesForServicesOtherGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $870,746 | TotalAmt |
Advertising AdvertisingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,019,900 | TotalAmt |
Office Expenses OfficeExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $178,817 | TotalAmt |
Information Technology InformationTechnologyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,026,868 | TotalAmt |
Occupancy OccupancyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $479,320 | TotalAmt |
Travel TravelGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $286,946 | TotalAmt |
Conferences Meetings ConferencesMeetingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $135,614 | TotalAmt |
Interest InterestGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,259,511 | TotalAmt |
Depreciation Depletion DepreciationDepletionGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $551,435 | TotalAmt |
Insurance InsuranceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $164,805 | TotalAmt |
Other Expenses OtherExpensesGrp (4 entries)
| DescDesc | TotalTotalAmt |
|---|---|
| CORE SYSTEM EXPENSE | $1,005,539 |
| VISA AND CHECK EXPENSES | $895,813 |
| PROVISION FOR LOAN LOSS | $467,615 |
| MISCELLANEOUS | $380,705 |
All Other Expenses AllOtherExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $954,178 | TotalAmt |
Total Functional Expenses TotalFunctionalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $36,083,555 | TotalAmt |
Cash Non Interest Bearing CashNonInterestBearingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $486,043 | BOYAmt |
| EOY | $473,512 | EOYAmt |
Savings And Temp Cash Invst SavingsAndTempCashInvstGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $65,596,779 | BOYAmt |
| EOY | $42,783,477 | EOYAmt |
Accounts Receivable AccountsReceivableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,833,169 | BOYAmt |
| EOY | $3,352,127 | EOYAmt |
Receivables From Officers Etc ReceivablesFromOfficersEtcGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $2,402,859 | BOYAmt |
| EOY | $2,445,652 | EOYAmt |
Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $466,581,719 | BOYAmt |
| EOY | $534,943,551 | EOYAmt |
Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,112,166 | BOYAmt |
| EOY | $1,292,833 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Bldg Equip Cost Or Other Bss | $23,441,932 | LandBldgEquipCostOrOtherBssAmt |
| Land Bldg Equip Accum Deprec | $10,898,130 | LandBldgEquipAccumDeprecAmt |
Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $13,194,940 | BOYAmt |
| EOY | $12,543,802 | EOYAmt |
Investments Pub Traded Sec InvestmentsPubTradedSecGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $56,462,584 | BOYAmt |
| EOY | $62,935,350 | EOYAmt |
Investments Other Securities InvestmentsOtherSecuritiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $13,570,585 | BOYAmt |
| EOY | $12,440,155 | EOYAmt |
Other Assets Total OtherAssetsTotalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $22,062,429 | BOYAmt |
| EOY | $15,629,945 | EOYAmt |
Total Assets TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $643,303,273 | BOYAmt |
| EOY | $688,840,404 | EOYAmt |
Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $3,478,185 | BOYAmt |
| EOY | $3,653,530 | EOYAmt |
Deferred Revenue DeferredRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,373,066 | BOYAmt |
| EOY | $1,594,223 | EOYAmt |
Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $27,000,000 | BOYAmt |
| EOY | $38,000,000 | EOYAmt |
Other Liabilities OtherLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $563,729,699 | BOYAmt |
| EOY | $594,012,069 | EOYAmt |
Total Liabilities TotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $595,580,950 | BOYAmt |
| EOY | $637,259,822 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Org Does Not Follow FASB117 | Yes (X) | OrgDoesNotFollowFASB117Ind |
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 | $47,722,323 | BOYAmt |
| EOY | $51,580,582 | EOYAmt |
Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $47,722,323 | BOYAmt |
| EOY | $51,580,582 | EOYAmt |
Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $643,303,273 | BOYAmt |
| EOY | $688,840,404 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Reconcilation Revenue Expnss | $3,429,772 | ReconcilationRevenueExpnssAmt |
| Net Unrlzd Gains Losses Invst | $428,487 | NetUnrlzdGainsLossesInvstAmt |
| Other Changes In Net Assets | $0 | OtherChangesInNetAssetsAmt |
| Method Of Accounting Accrual | Yes (X) | MethodOfAccountingAccrualInd |
| Accountant Compile Or Review | 0 | AccountantCompileOrReviewInd |
| FS Audited | 0 | FSAuditedInd |
| Federal Grant Audit Required | 0 | FederalGrantAuditRequiredInd |
Schedule D IRS990ScheduleD
Land LandGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $3,890,000 | OtherCostOrOtherBasisAmt |
| Book Value | $3,890,000 | BookValueAmt |
Buildings BuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $7,952,717 | OtherCostOrOtherBasisAmt |
| Depreciation | $2,316,229 | DepreciationAmt |
| Book Value | $5,636,488 | BookValueAmt |
Leasehold Improvements LeaseholdImprovementsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $7,928,295 | OtherCostOrOtherBasisAmt |
| Depreciation | $6,035,570 | DepreciationAmt |
| Book Value | $1,892,725 | BookValueAmt |
Equipment EquipmentGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $2,107,900 | OtherCostOrOtherBasisAmt |
| Depreciation | $1,757,670 | DepreciationAmt |
| Book Value | $350,230 | BookValueAmt |
Other Land Buildings OtherLandBuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $1,563,020 | OtherCostOrOtherBasisAmt |
| Depreciation | $788,661 | DepreciationAmt |
| Book Value | $774,359 | BookValueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Land Buildings | $12,543,802 | TotalBookValueLandBuildingsAmt |
Other Liabilities Org OtherLiabilitiesOrgGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | MEMBER ACCOUNTS | Desc |
| Amt | $594,012,069 | Amt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Liability | $594,012,069 | TotalLiabilityAmt |
Schedule I IRS990ScheduleI
| Field | Value | IRS element (for citing) |
|---|---|---|
| Grant Records Maintained | Yes (1) | GrantRecordsMaintainedInd |
Recipient Table RecipientTable (4 entries)
| Address Line1USAddress/AddressLine1Txt | CityUSAddress/CityNm | State AbbreviationUSAddress/StateAbbreviationCd | ZIPUSAddress/ZIPCd | Recipient EINRecipientEIN | IRC SectionIRCSectionDesc | Cash GrantCashGrantAmt | Non Cash AssistanceNonCashAssistanceAmt | Valuation Method UsedValuationMethodUsedDesc | Non Cash AssistanceNonCashAssistanceDesc | Purpose Of GrantPurposeOfGrantTxt |
|---|---|---|---|---|---|---|---|---|---|---|
| POINT LOMA NAZARENE UNIVERSITY | ||||||||||
| 3900 LOMALAND DR | SAN DIEGO | CA | 91206 | 951644035 | 501(C)(3) | $15,000 | $0 | N/A | N/A | GENERAL SUPPORT |
| WESLEYAN HOLINESS CONSORTIUM | ||||||||||
| 2100 E ROUTE 66 | GLENDORA | CA | 91740 | 273780407 | 501(C)(3) | $25,000 | $0 | N/A | N/A | GENERAL SUPPORT |
| CHURCH OF GOD | ||||||||||
| 930 MASON ST MEMPHIS TN 38126 | MEMPHIS | TN | 38126 | 237002419 | 501(C)(3) | $60,000 | $0 | N/A | N/A | GENERAL SUPPORT |
| UNITED PENTECOSTAL INTERNATIONAL | ||||||||||
| 36 RESEARCH PARK CT | WELDON SPRING | MO | 63304 | 430679185 | 501(C)(3) | $16,000 | $0 | N/A | N/A | GENERAL SUPPORT |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total501c3 Org | 4 | Total501c3OrgCnt |
| Total Other Org | 0 | TotalOtherOrgCnt |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | PART I, LINE 2: | FormAndLineReferenceDesc |
| Explanation | THE BOARD OF DIRECTORS DIRECTS THE AMOUNT OF AVAILABLE FUNDS FOR CHARITABLE GRANTS. ORGANIZATIONS ARE EVALUATED FOR MISSION ALIGNMENT AND OVERLAP WITH KEY OUTREACH INITIATIVES. ACCU DOES NOT CONDITION GRANTS ON SPECIFIC ACTIVITIES SO THEREFORE, NO ADDITIONAL MONITORING AFTER GRANTING. | ExplanationTxt |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Travel For Companions | Yes (X) | TravelForCompanionsInd |
| Written Policy Ref T And E Expnss | Yes (1) | WrittenPolicyRefTAndEExpnssInd |
| Substantiation Required | Yes (1) | SubstantiationRequiredInd |
| Independent Consultant | Yes (X) | IndependentConsultantInd |
| 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 (8 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| VICKI VANNBERSTEIN | ||||||||||||||
| PRESIDENT & CEO | $554,716 | $0 | $26,945 | $0 | $0 | $0 | $44,300 | $0 | $3,799 | $0 | $629,760 | $0 | $0 | $0 |
| PATRICK LANGILLE | ||||||||||||||
| SVP/COO | $253,156 | $0 | $32,415 | $0 | $0 | $0 | $0 | $0 | $1,793 | $0 | $287,364 | $0 | $0 | $0 |
| CINDY MORGAN | ||||||||||||||
| CHIEF FINANCIAL OFFICER | $242,662 | $0 | $31,654 | $0 | $0 | $0 | $0 | $0 | $1,835 | $0 | $276,151 | $0 | $0 | $0 |
| EVAMARIE PISANI | ||||||||||||||
| CHIEF MEMBER SERVICES OFFICER | $192,320 | $0 | $9,462 | $0 | $0 | $0 | $21,482 | $0 | $227 | $0 | $223,491 | $0 | $0 | $0 |
| SCOTT DEPRAT | ||||||||||||||
| VP DIGITAL PRODUCTS | $175,274 | $0 | $23,591 | $0 | $0 | $0 | $19,708 | $0 | $494 | $0 | $219,067 | $0 | $0 | $0 |
| ANDREW CASANOVA | ||||||||||||||
| CHIEF MEMBER ACQUISITION OFFICER | $189,891 | $0 | $9,311 | $0 | $0 | $0 | $15,139 | $0 | $3,408 | $0 | $217,749 | $0 | $0 | $0 |
| MARTHA ARCHER | ||||||||||||||
| COMPLIANCE OFFICER (LEFT 03/2024) | $190,191 | $0 | $5,888 | $0 | $1,176 | $0 | $7,505 | $0 | $243 | $0 | $205,003 | $0 | $0 | $0 |
| JOEL SANTIAGO | ||||||||||||||
| CHIEF CORPORATE BANKING OFFICER | $198,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $1,692 | $0 | $199,692 | $0 | $0 | $0 |
Supplemental Information Detail SupplementalInformationDetail (3 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| PART I, LINE 1A | TRAVEL FOR COMPANIONS INCLUDES BOARD SPOUSES WHEN APPLICABLE. |
| PART I, LINE 4B | THE CREDIT UNION ADOPTED A 457(F) EXECUTIVE RETIREMENT PLAN WHICH PROVIDES BENEFITS TO DESIGNATED EXECUTIVES. VICKI VANNBERSTEIN, DID NOT RECEIVE A CONTRIBUTION NOR DISTRIBUTION TO THE PLAN DURING 2024. THE CREDIT UNION ENTERED INTO SPLIT-DOLLAR LIFE INSURANCE ARRANGEMENTS WITH CERTAIN EXECUTIVE EMPLOYEES DURING, WHEREBY THE CREDIT UNION FUNDS THE PREMIUM PAYMENTS ON THE UNDERLYING INSURANCE POLICIES AND THE SENIOR EXECUTIVE OFFICER IN TURN COLLATERALLY ASSIGNS THE POLICY TO THE CREDIT UNION. |
| PART I, LINE 5 | THE CREDIT UNION HAS A SCORECARD TO TRACK ENTERPRISE GOALS AND METRICS. WE ACCRUE THROUGHOUT THE YEAR FOR THE PERCENTAGE OF ALL EMPLOYEE INCENTIVE BONUS PAYOUTS THAT GET PAID OUT EVERY JAN/FEB FOR THE PREVIOUS YEAR'S ACCOMPLISHMENTS OF MEETING THE GOALS. THE PAYOUT PERCENTAGE AMOUNT AND TOTAL ACCRUED IN 2024 AND PAID OUT IN 2025 FOR 2024 BONUS INCENTIVE WAS 3.32% OF ALL EMPLOYEE'S ANNUAL SALARY AMOUNT FOR THE YEAR. THE SCORECARD TRACKS MANY DIFFERENT METRICS TO CALCULATE THE PERCENTAGE PAYOUT TO EMPLOYEES BASED ON RESULTS AND PERFORMANCE. ALL EMPLOYEES GET PAID OUT THE SAME PERCENTAGE CALCULATED ON THE SCORECARD TIMES THEIR ANNUAL SALARY FOR THE YEAR. |
Schedule L IRS990ScheduleL
Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | VICKI VANNBERSTEIN | PersonNm |
| Relationship With Org | PRESIDENT & CEO | RelationshipWithOrgTxt |
| Loan Purpose | SPLIT DOLLAR LOAN | LoanPurposeTxt |
| Loan From Organization | Yes (X) | LoanFromOrganizationInd |
| Original Principal | $2,500,000 | OriginalPrincipalAmt |
| Balance Due | $2,445,652 | BalanceDueAmt |
| Default | 0 | DefaultInd |
| Board Or Committee Approval | Yes (1) | BoardOrCommitteeApprovalInd |
| Written Agreement | Yes (1) | WrittenAgreementInd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Balance Due | $2,445,652 | TotalBalanceDueAmt |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | SCHEDULE L, PART II | FormAndLineReferenceDesc |
| Explanation | THE CREDIT UNION ENTERED INTO SPLIT-DOLLAR LIFE INSURANCE ARRANGEMENTS WITH CERTAIN EXECUTIVE EMPLOYEES DURING 2023, WHEREBY THE CREDIT UNION FUNDS THE PREMIUM PAYMENTS ON THE UNDERLYING INSURANCE POLICIES AND THE SENIOR EXECUTIVE OFFICER IN TURN COLLATERALLY ASSIGNS THE POLICY TO THE CREDIT UNION. | ExplanationTxt |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (9 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| FORM 990, PART VI, SECTION A, LINE 1A | THE BOARD OF DIRECTORS MAY APPOINT AN EXECUTIVE COMMITTEE OF NO FEWER THAN THREE (3) DIRECTORS, AND DELEGATE TO SUCH COMMITTEE THE POWER TO APPROVE MEMBERSHIP APPLICATIONS. WITH THE WRITTEN APPROVAL OF THE COMMISSIONER, THE EXECUTIVE COMMITTEE MAY ACT FOR THE BOARD OF DIRECTORS IN THE PURCHASE AND SALE OF SECURITIES, INVESTMENT AND WITHDRAWAL OF FUNDS, IN BORROWING FUNDS AND IN MAKING LOANS TO OTHER CREDIT UNIONS IN ACCORDANCE WITH APPLICABLE LAW AND REGULATIONS. |
| FORM 990, PART VI, SECTION A, LINE 4 | DURING THE 2024 TAX YEAR, THE ORGANIZATION ADOPTED AMENDED BYLAWS REFLECTING SIGNIFICANT CHANGES TO GOVERNANCE AND OPERATIONS. KEY UPDATES INCLUDED EXPANDED MEMBER ELIGIBILITY, CLARIFIED ADMISSION AND WITHDRAWAL PROCEDURES (INCLUDING INACTIVE STATUS), AND FORMALIZED VOTING RIGHTS AND EXPULSION PROTOCOLS. THE BYLAWS NOW ALLOW ELECTRONIC MEETINGS AND REVISED QUORUM AND VOTING RULES. DIRECTOR AND OFFICER QUALIFICATIONS WERE UPDATED TO INCLUDE BONDABILITY AND BACKGROUND CHECKS, WITH NEW RESTRICTIONS ON FORMER EMPLOYEES. COMMITTEE FORMATION AUTHORITY WAS CLARIFIED, AND OFFICER ROLES WERE ADJUSTED TO PERMIT DELEGATION AND NON-DIRECTOR APPOINTMENTS. THE SUPERVISORY COMMITTEE'S POWERS WERE DEFINED, INCLUDING AUDIT AND VACANCY-FILLING AUTHORITY. |
| FORM 990, PART VI, SECTION A, LINE 6 | THE ORGANIZATION HAS MEMBERS. THE FIELD OF MEMBERSHIP SHALL BE LIMITED TO THOSE HAVING THE FOLLOWING COMMON BOND: CHURCHES, MINISTRIES AND SCHOOLS ALIGNED WITH WESLEYAN CHRISTIAN DOCTRINE; MINISTERS, EMPLOYEES, MEMBERS, OFFICERS, TEACHERS, STUDENTS AND OTHERS IN THESE CHURCHES, SCHOOLS AND ORGANIZATIONS; ORGANIZATIONS OF SUCH PERSONS; EMPLOYEES OF THIS CREDIT UNION; IMMEDIATE FAMILY MEMBERS LIVING IN A MEMBER OF THIS CREDIT UNION'S HOME; AND, OTHER CREDIT UNIONS ORGANIZED UNDER EITHER FEDERAL OR STATE LAWS APPERTAINING TO CREDIT UNIONS. |
| FORM 990, PART VI, SECTION A, LINE 7A | THE BOARD OF DIRECTORS ARE ELECTED BY THE MEMBERSHIP. |
| FORM 990, PART VI, SECTION A, LINE 7B | CERTAIN DECISIONS MUST BE APPROVED BY THE MEMBERSHIP. |
| FORM 990, PART VI, SECTION B, LINE 11B | THE FORM 990 IS PREPARED BY THE ORGANIZATION'S PUBLIC ACCOUNTING FIRM BASED ON INFORMATION PROVIDED BY MANAGEMENT. ONCE THE DRAFT IS AVAILABLE, IT IS REVIEWED BY MANAGEMENT AND ANY CHANGES INCORPORATED INTO THE FILING. ONCE THIS DETAILED REVIEW IS COMPLETE, THE DRAFT OF THE FORM 990 IS PRESENTED TO THE BOARD OF DIRECTORS FOR THEIR REVIEW AND COMMENTS PRIOR TO FILING WITH THE IRS. |
| FORM 990, PART VI, SECTION B, LINE 12C | WHEN HIRED, ALL STAFF ARE REQUIRED TO READ AND SIGN A CODE OF CONDUCT POLICY WHICH OUTLINES IN DETAIL THE BEHAVIOR EXPECTATIONS OF THE STAFF, INCLUDING CONFLICT OF INTEREST. THIS CODE OF CONDUCT INCORPORATED THE CALIFORNIA CREDIT UNION LEAGUE'S CODE OF ETHICS. ALL NEW STAFF ARE ALSO REQUIRED TO DISCLOSE IN WRITING ANY RELATED PARTY ACCOUNTS AT THE CREDIT UNION SO THEY CAN BE CODED AND RESTRICTED FROM ACCESS. PERIODICALLY STAFF ARE ASKED TO UPDATE THIS LIST OF RELATED PARTY ACCOUNTS. STAFF ACCOUNTS AND ACCOUNTS OF RELATED PARTIES OF STAFF ARE CODED AS SUCH IN OUR CORE SYSTEM. VERAFIN SOFTWARE PERFORMS CONSTANT BSA AND FRAUD ANALYTICS TO DETECT TRANSACTIONS THAT WOULD INDICATE SUSPICIOUS ACTIVITY. |
| FORM 990, PART VI, SECTION B, LINE 15 | THE ORGANIZATION USES THE COMPEASE SYSTEM WHICH PROVIDES REGIONAL CREDIT UNION SALARY DATA TO BENCHMARK ALL STAFF WAGES. ANNUAL WAGE INCREASES ARE BASED ON EMPLOYEE PERFORMANCE SCORES AND WHERE THE EMPLOYEE FALLS WITHIN THE WAGE RANGE PROVIDED BY THE COMPEASE SYSTEM FOR COMPARABLE JOB GRADES. THE BOARD OF DIRECTORS DETERMINES AND APPROVES THE COMPENSATION OF THE CEO AND THE INCENTIVE PLAN FOR ALL STAFF. THE CEO MAKES COMPENSATION DECISIONS FOR OTHER OFFICERS AND KEY EMPLOYEES AND USES THE COMPEASE COMPENSATION SYSTEM AS A FRAMEWORK. COMPENSATION DECISIONS ARE DOCUMENTED IN THE EMPLOYEE'S PERSONNEL FILE. |
| FORM 990, PART VI, SECTION C, LINE 19 | GOVERNING DOCUMENTS AND THE CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST. MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE ORGANIZATION'S BRANCH. THE ANNUAL FINANCIAL STATEMENT IS INCLUDED IN THE PUBLISHED ANNUAL REPORT POSTED ON THE ORGANIZATION'S WEBSITE. FINANCIAL STATEMENTS ARE ALSO AVAILABLE UPON REQUEST. |
Schedule R IRS990ScheduleR
Id Disregarded Entities IdDisregardedEntitiesGrp (2 entries)
| Address Line1USAddress/AddressLine1Txt | CityUSAddress/CityNm | State AbbreviationUSAddress/StateAbbreviationCd | ZIPUSAddress/ZIPCd | EINEIN | Primary ActivitiesPrimaryActivitiesTxt | Legal Domicile StateLegalDomicileStateCd | Total IncomeTotalIncomeAmt | End Of Year AssetsEndOfYearAssetsAmt | Business Name Line1DirectControllingEntityName/BusinessNameLine1Txt |
|---|---|---|---|---|---|---|---|---|---|
| ACCU FINANCIAL LLC | |||||||||
| 2100 E ROUTE 66 SUITE 102 | GLENDORA | CA | 91740 | 831239109 | HOLDING COMPANY | CA | $0 | $419,037 | AMERICA'S CHRISTIAN CREDIT UNION |
| SHARETEK LLC | |||||||||
| 2100 E ROUTE 66 SUITE 102 | GLENDORA | CA | 91740 | 831268218 | CUSO ORGANIZATION CREATED TO FACILITATE HEALTH CARE SHARING | CA | $536,919 | $411,279 | ACCU FINANCIAL LLC |