ORANGE COUNTY'S CREDIT UNION: Form 990, tax year 2012
View the entire original 990 at ProPublica ↗
- Organization
- ORANGE COUNTY'S CREDIT UNION (EIN 95-1797779)
- Tax period
- 2012-01-01 to 2012-12-31
- Filed
- 2013-11-12
- IRS object ID
- 201313169349304781
- Schema version
- 2012v2.1
- 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) |
|---|---|---|
| Timestamp | 2013-11-12T15:05:24-06:00 | Timestamp |
| Tax Period End Date | 2012-12-31 | TaxPeriodEndDate |
Preparer Firm PreparerFirm
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 420714325 | EIN |
Preparer Firm Business Name PreparerFirmBusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | MCGLADREY LLP | BusinessNameLine1 |
Preparer Firm US Address PreparerFirmUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 801 NICOLLET MALL SUITE 1100 | AddressLine1 |
| City | MINNEAPOLIS | City |
| State | MN | State |
| ZIP Code | 55402 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnType |
| Tax Period Begin Date | 2012-01-01 | TaxPeriodBeginDate |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 951797779 | EIN |
Name Name
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | ORANGE COUNTY'S CREDIT UNION | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Control | ORAN | NameControl |
| Phone | 7147555900 | Phone |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 11777 | AddressLine1 |
| City | SANTA ANA | City |
| State | CA | State |
| ZIP Code | 92711 | ZIPCode |
Officer Officer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | GREG KRAUSE | Name |
| Title | SVP/CFO | Title |
| Phone | 7147555900 | Phone |
| Date Signed | 2013-11-07 | DateSigned |
| Authorize Third Party | 1 | AuthorizeThirdParty |
Preparer Preparer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | GERALD B KISSELL | Name |
| PTIN | P00092658 | PTIN |
| Phone | 6123324300 | Phone |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax Year | 2012 | TaxYear |
| Build TS | 2016-02-25 16:41:14Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Of Principal Officer Person | SHRUTI MIYASHIRO | NameOfPrincipalOfficerPerson |
Address Principal Officer US AddressPrincipalOfficerUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 11777 | AddressLine1 |
| City | SANTA ANA | City |
| State | CA | State |
| ZIP Code | 92711 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | 50110479 | GrossReceipts |
| Group Return For Affiliates | 0 | GroupReturnForAffiliates |
| Group Exemption Number | 1526 | GroupExemptionNumber |
| Organization501c | X | Organization501c |
| Web Site | WWW.ORANGECOUNTYSCU.ORG | WebSite |
| Type Of Organization Corporation | X | TypeOfOrganizationCorporation |
| Year Formation | 1938 | YearFormation |
| State Legal Domicile | CA | StateLegalDomicile |
| Activity Or Mission Description | OUR MISSION IS TO MAINTAIN FINANCIAL STRENGTH IN ORDER TO PROVIDE CONVENIENT ACCESS, EXCEPTIONAL SERVICE, AND FINANCIAL SOLUTIONS TO MEET THE UNIQUE NEEDS OF OUR DIVERSE MEMBERSHIP AND COMMUNITIES. | ActivityOrMissionDescription |
| Nbr Voting Members Governing Body | 7 | NbrVotingMembersGoverningBody |
| Nbr Independent Voting Members | 7 | NbrIndependentVotingMembers |
| Total Nbr Employees | 354 | TotalNbrEmployees |
| Total Nbr Volunteers | 6 | TotalNbrVolunteers |
| Total Gross UBI | 3388576 | TotalGrossUBI |
| Net Unrelated Business Txbl Income | -1191287 | NetUnrelatedBusinessTxblIncome |
| Contributions Grants Prior Year | 0 | ContributionsGrantsPriorYear |
| Contributions Grants Current Year | 0 | ContributionsGrantsCurrentYear |
| Program Service Revenue Prior Year | 42993836 | ProgramServiceRevenuePriorYear |
| Program Service Revenue CY | 42387342 | ProgramServiceRevenueCY |
| Investment Income Prior Year | 5076696 | InvestmentIncomePriorYear |
| Investment Income Current Year | 7550250 | InvestmentIncomeCurrentYear |
| Other Revenue Prior Year | 0 | OtherRevenuePriorYear |
| Other Revenue Current Year | 0 | OtherRevenueCurrentYear |
| Total Revenue Prior Year | 48070532 | TotalRevenuePriorYear |
| Total Revenue Current Year | 49937592 | TotalRevenueCurrentYear |
| Grants And Similar Amnts Prior Year | 4000 | GrantsAndSimilarAmntsPriorYear |
| Grants And Similar Amnts CY | 2000 | GrantsAndSimilarAmntsCY |
| Benefits Paid To Members Prior Year | 5586996 | BenefitsPaidToMembersPriorYear |
| Benefits Paid To Members CY | 4077663 | BenefitsPaidToMembersCY |
| Salaries Etc Prior Year | 16922383 | SalariesEtcPriorYear |
| Salaries Etc Current Year | 18754271 | SalariesEtcCurrentYear |
| Total Prof Fundrsng Exp Prior Year | 0 | TotalProfFundrsngExpPriorYear |
| Total Prof Fundrsng Exp CY | 0 | TotalProfFundrsngExpCY |
| Total Fundrsng Exp Current Year | 0 | TotalFundrsngExpCurrentYear |
| Other Expense Prior Year | 20555873 | OtherExpensePriorYear |
| Other Expenses Current Year | 19637618 | OtherExpensesCurrentYear |
| Total Expenses Prior Year | 43069252 | TotalExpensesPriorYear |
| Total Expenses Current Year | 42471552 | TotalExpensesCurrentYear |
| Revenues Less Expenses Prior Year | 5001280 | RevenuesLessExpensesPriorYear |
| Revenues Less Expenses CY | 7466040 | RevenuesLessExpensesCY |
| Total Assets BOY | 988421132 | TotalAssetsBOY |
| Total Assets EOY | 1059130104 | TotalAssetsEOY |
| Total Liabilities BOY | 897955279 | TotalLiabilitiesBOY |
| Total Liabilities EOY | 960090644 | TotalLiabilitiesEOY |
| Net Assets Or Fund Balances BOY | 90465853 | NetAssetsOrFundBalancesBOY |
| Net Assets Or Fund Balances EOY | 99039460 | NetAssetsOrFundBalancesEOY |
| Mission Description | WE ARE A CALIFORNIA STATE CHARTERED CREDIT UNION THAT IS EXEMPT FROM CALIFORNIA FRANCHISE OR INCOME TAX UNDER REVENUE AND TAXATION CODE (R&TC) SECTION 23701Y. | MissionDescription |
| Significant New Program Services | 0 | SignificantNewProgramServices |
| Significant Change | 0 | SignificantChange |
| Description | ORANGE COUNTY'S CREDIT UNION OFFERS THE FOLLOWING LOAN PRODUCTS TO OUR MEMBERS: AUTOMOBILE, MORTGAGE, OTHER SECURED, UNSECURED, AND COMMERCIAL. AS OF DECEMBER 31, 2012 OUR LOAN PORTFOLIO HAD 21,470 LOANS OUTSTANDING TOTALLING $510.9 MILLION. | Description |
Activity2 Activity2
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | ORANGE COUNTY'S CREDIT UNION OFFERS THE FOLLOWING SHARES ACCOUNTS TO OUR RETAIL AND COMMERICAL MEMBERSHIP: SAVINGS, CHECKING, MONEY MARKET, IRA, CERTIFICATE OF DEPOSIT, AND INVESTMENT SERVICES. AS OF DECEMBER 31, 2012 WE HAD 164,867 ACCOUNTS TOTALLING $939.5 MILLION. | Description |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Described In501 C3 | 0 | DescribedIn501C3 |
| Schedule B Required | 0 | ScheduleBRequired |
| Political Activities | 1 | PoliticalActivities |
| Subject To Proxy Tax | 0 | SubjectToProxyTax |
| Donor Advised Funds | 0 | DonorAdvisedFunds |
| Conservation Easements | 0 | ConservationEasements |
| Collections Of Art | 0 | CollectionsOfArt |
| Credit Counseling | 1 | CreditCounseling |
| Term Or Permanent Endowments | 0 | TermOrPermanentEndowments |
| Report Land Bldg Equip | 1 | ReportLandBldgEquip |
| Report Invest Oth Securities | 0 | ReportInvestOthSecurities |
| Report Prog Rel Invest | 1 | ReportProgRelInvest |
| Report Other Assets | 0 | ReportOtherAssets |
| Report Other Liabilities | 1 | ReportOtherLiabilities |
| Report Fin48 Footnote | 1 | ReportFin48Footnote |
| Independent Audit Financial Stmt | 1 | IndependentAuditFinancialStmt |
| Consolidated Audit Financial Stmt | 0 | ConsolidatedAuditFinancialStmt |
| School | 0 | School |
| Foreign Office | 0 | ForeignOffice |
| Foreign Activities | 0 | ForeignActivities |
| More Than5000 K To Organizations | 0 | MoreThan5000KToOrganizations |
| More Than5000 K To Individuals | 0 | MoreThan5000KToIndividuals |
| Professional Fundraising | 0 | ProfessionalFundraising |
| Fundraising Activities | 0 | FundraisingActivities |
| Gaming | 0 | Gaming |
| Hospital | 0 | Hospital |
| Grants To Organizations | 0 | GrantsToOrganizations |
| Grants To Individuals | 0 | GrantsToIndividuals |
| Schedule J Required | 1 | ScheduleJRequired |
| Tax Exempt Bonds | 0 | TaxExemptBonds |
| Loan To Officer Or DQP | 0 | LoanToOfficerOrDQP |
| Grant To Related Person | 0 | GrantToRelatedPerson |
| Bsnss Rltnshp With Organization | 0 | BsnssRltnshpWithOrganization |
| Bsnss Rltnshp Thru Family Member | 0 | BsnssRltnshpThruFamilyMember |
| Officer Entity With Bsnss Rltnshp | 0 | OfficerEntityWithBsnssRltnshp |
| Deductible Non Cash Contributions | 0 | DeductibleNonCashContributions |
| Deductible Contributions Of Art | 0 | DeductibleContributionsOfArt |
| Terminated | 0 | Terminated |
| Partial Liquidation | 0 | PartialLiquidation |
| Disregarded Entity | 0 | DisregardedEntity |
| Related Entity | 0 | RelatedEntity |
| Related Org Controlled Entity | 0 | RelatedOrgControlledEntity |
| Activities Conducted Partnership | 0 | ActivitiesConductedPartnership |
| Schedule O Required | 1 | ScheduleORequired |
| Number Forms Transmitted With1096 | 21928 | NumberFormsTransmittedWith1096 |
| Number W2 G Included | 0 | NumberW2GIncluded |
| Compliance With Backup Witholding | 1 | ComplianceWithBackupWitholding |
| Number Of Employees | 354 | NumberOfEmployees |
| Employment Tax Returns Filed | 1 | EmploymentTaxReturnsFiled |
| Unrelated Business Income | 1 | UnrelatedBusinessIncome |
| Form990-T Filed | 1 | Form990-TFiled |
| Foreign Financial Account | 0 | ForeignFinancialAccount |
| Prohibited Tax Shelter Trans | 0 | ProhibitedTaxShelterTrans |
| Taxable Party Notification | 0 | TaxablePartyNotification |
| Non Deductible Contributions | 0 | NonDeductibleContributions |
| Indoor Tanning Services | 0 | IndoorTanningServices |
| Info In Schedule O Part VI | X | InfoInScheduleOPartVI |
| Nbr Voting Governing Body Members | 7 | NbrVotingGoverningBodyMembers |
| Number Independent Voting Members | 7 | NumberIndependentVotingMembers |
| Family Or Business Relationship | 0 | FamilyOrBusinessRelationship |
| Delegation Of Management Duties | 0 | DelegationOfManagementDuties |
| Changes To Organizing Docs | 0 | ChangesToOrganizingDocs |
| Material Diversion Or Misuse | 0 | MaterialDiversionOrMisuse |
| Members Or Stockholders | 1 | MembersOrStockholders |
| Election Of Board Members | 1 | ElectionOfBoardMembers |
| Decisions Subject To Approval | 1 | DecisionsSubjectToApproval |
| Minutes Of Governing Body | 1 | MinutesOfGoverningBody |
| Minutes Of Committees | 1 | MinutesOfCommittees |
| Officer Mailing Address | 0 | OfficerMailingAddress |
| Local Chapters | 1 | LocalChapters |
| Policies Reference Chapters | 1 | PoliciesReferenceChapters |
| Form990 Provided To Governing Body | 1 | Form990ProvidedToGoverningBody |
| Conflict Of Interest Policy | 1 | ConflictOfInterestPolicy |
| Annual Disclosure Covered Persons | 1 | AnnualDisclosureCoveredPersons |
| Regular Monitoring Enforcement | 1 | RegularMonitoringEnforcement |
| Whistleblower Policy | 1 | WhistleblowerPolicy |
| Document Retention Policy | 1 | DocumentRetentionPolicy |
| Compensation Process CEO | 1 | CompensationProcessCEO |
| Compensation Process Other | 1 | CompensationProcessOther |
| Investment In Joint Venture | 0 | InvestmentInJointVenture |
| States Where Copy Of Return Is Filed | CA | StatesWhereCopyOfReturnIsFiled |
| Upon Request | X | UponRequest |
The Books Are In Care Of TheBooksAreInCareOf
Name Business NameBusiness
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | GREG KRAUSE CFO | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Telephone Number | 7147555900 | TelephoneNumber |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 11777 | AddressLine1 |
| City | SANTA ANA | City |
| State | CA | State |
| ZIP Code | 92711 | ZIPCode |
Form990 Part VII Section A Form990PartVIISectionA (17 entries)
| TitleTitle | Average Hours Per WeekAverageHoursPerWeek | Individual Trustee Or DirectorIndividualTrusteeOrDirector | OfficerOfficer | Reportable Comp From OrganizationReportableCompFromOrganization | Reportable Comp From Related OrgsReportableCompFromRelatedOrgs | Other CompensationOtherCompensation | Key EmployeeKeyEmployee | Highest Compensated EmployeeHighestCompensatedEmployee |
|---|---|---|---|---|---|---|---|---|
| DAN DILLON | ||||||||
| CHAIRMAN | 1.00 | X | X | 0 | 0 | 0 | ||
| WALT KRAUSE | ||||||||
| VICE CHAIR | 1.00 | X | X | 0 | 0 | 0 | ||
| GARY BURTON | ||||||||
| TREASURER | 1.00 | X | X | 0 | 0 | 0 | ||
| FRANK KIM | ||||||||
| SECRETARY | 1.00 | X | X | 0 | 0 | 0 | ||
| CHRIS CHASE | ||||||||
| DIRECTOR | 1.00 | X | 0 | 0 | 0 | |||
| MIKE JENSEN | ||||||||
| DIRECTOR | 1.00 | X | 0 | 0 | 0 | |||
| VIKKI BEATLEY | ||||||||
| DIRECTOR | 1.00 | X | 0 | 0 | 0 | |||
| SHRUTI MIYASHIRO | ||||||||
| PRESIDENT/CEO | 40.00 | X | 396404 | 0 | 349271 | |||
| ROBERT GREGORY KRAUSE | ||||||||
| VP/SENIOR CFO | 40.00 | X | 213440 | 0 | 129924 | |||
| LYNDA LEE SAVOIT | ||||||||
| VP/SENIOR COO | 40.00 | X | 168128 | 0 | 104458 | |||
| LAURA THOMPSON | ||||||||
| SENIOR VP/CIO | 40.00 | X | 159009 | 0 | 48193 | |||
| GARY DUANE REBENSDORF | ||||||||
| VP INVESTMENT SERVICES | 40.00 | 180807 | 0 | 29034 | X | |||
| MONICA CHANDRA | ||||||||
| FINANCIAL CONSULTANT | 40.00 | 339154 | 0 | 20705 | X | |||
| CATHERINE BARAJAS | ||||||||
| MORTAGE SALES MANAGER | 40.00 | 184251 | 0 | 16186 | X | |||
| VALENTINA GERSHUNOFF | ||||||||
| MORTGAGE LOAN CONSULTANT | 40.00 | 145704 | 0 | 17583 | X | |||
| WARREN JEFFREY HARPER | ||||||||
| VP LENDING SERVICES | 40.00 | 135541 | 0 | 26824 | X | |||
| DAHL ANN ROBINSON | ||||||||
| VP ORGANIZATIONAL DEVELOPMENT | 40.00 | 130014 | 0 | 19169 | X | |||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | 2052452 | TotalReportableCompFromOrg |
| Total Reportable Comp Frm Rltd Orgs | 0 | TotalReportableCompFrmRltdOrgs |
| Total Other Compensation | 761347 | TotalOtherCompensation |
| Number Individuals GT100 K | 17 | NumberIndividualsGT100K |
| Formers Listed | 0 | FormersListed |
| Total Comp GT150 K | 1 | TotalCompGT150K |
| Compensation From Other Sources | 0 | CompensationFromOtherSources |
Contractor Compensation ContractorCompensation (5 entries)
| Address Line1AddressOfContractor/AddressUS/AddressLine1 | CityAddressOfContractor/AddressUS/City | StateAddressOfContractor/AddressUS/State | ZIP CodeAddressOfContractor/AddressUS/ZIPCode | Description Of ServicesDescriptionOfServices | CompensationCompensation |
|---|---|---|---|---|---|
| JACK HENRY & ASSOCIATES INC | |||||
| 663 W HIGHWAY 60 | MONETT | MO | 657088215 | CORE SOFTWARE SYSTEMS | 1149379 |
| INTUIT FINANCIAL SERVICES | |||||
| 21215 BURBANK BOULEVARD SUITE 100 | WOODLAND HILLS | CA | 91367 | ONLINE FINANCIAL MANAGEMENT | 607352 |
| BUSINESS DATA INCORPORATED | |||||
| 321 NORTH OAK STREET | INGLEWOOD | CA | 90302 | MAILING SERVICES FOR MEMBERS STATEMENTS | 437280 |
| O'LEARY AND PARTNERS | |||||
| 5000 BIRCH STREET | NEWPORT BEACH | CA | 92660 | ADVERTISING | 391983 |
| SETTLEMENTONE VALUATION CORP | |||||
| 2605 CAMINO DEL RIO SOUTH | SAN DIEGO | CA | 92108 | MORTGAGE SETTLEMENT SERVICES | 358696 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Number Of Contractors GT100 K | 25 | NumberOfContractorsGT100K |
Program Service Revenue ProgramServiceRevenue (3 entries)
| DescriptionDescription | Business CodeBusinessCode | Total Revenue ColumnTotalRevenueColumn | Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome | Unrelated Business RevenueUnrelatedBusinessRevenue |
|---|---|---|---|---|
| LOAN SERVICES | 522100 | 27802045 | 27802045 | |
| OTHER | 522100 | 8897277 | 5508701 | 3388576 |
| FEES AND CHARGES | 522100 | 5688020 | 5688020 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | 42387342 | TotalProgramServiceRevenue |
Investment Income InvestmentIncome
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 5075994 | TotalRevenueColumn |
| Exclusion | $5,075,994 | ExclusionAmount |
Gross Amount Sales Assets GrossAmountSalesAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | 2647143 | Securities |
Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | 0 | Securities |
| Other | 172887 | Other |
Gain Or Loss GainOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | 2647143 | Securities |
| Other | -172887 | Other |
Net Gain Or Loss Investments NetGainOrLossInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 2474256 | TotalRevenueColumn |
| Exclusion | $2,474,256 | ExclusionAmount |
Total Revenue TotalRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 49937592 | TotalRevenueColumn |
| Related Or Exempt Function Income | 38998766 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 3388576 | UnrelatedBusinessRevenue |
| Exclusion | $7,550,250 | ExclusionAmount |
Grants To Domestic Individuals GrantsToDomesticIndividuals
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 2000 | Total |
Benefits To Members BenefitsToMembers
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 4077663 | Total |
Comp Current Officers Directors CompCurrentOfficersDirectors
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1757367 | Total |
Other Salaries And Wages OtherSalariesAndWages
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 13732854 | Total |
Pension Plan Contributions PensionPlanContributions
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 398061 | Total |
Other Employee Benefits OtherEmployeeBenefits
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1722853 | Total |
Payroll Taxes PayrollTaxes
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1143136 | Total |
Fees For Services Management FeesForServicesManagement
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 295550 | Total |
Fees For Services Legal FeesForServicesLegal
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 57068 | Total |
Fees For Services Accounting FeesForServicesAccounting
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 131996 | Total |
Fees For Services Invst Mgmnt Fees FeesForServicesInvstMgmntFees
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 12423 | Total |
Fees For Services Other FeesForServicesOther
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 122229 | Total |
Advertising Advertising
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1052277 | Total |
Office Expenses OfficeExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1624078 | Total |
Information Technology InformationTechnology
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1610871 | Total |
Occupancy Occupancy
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1797940 | Total |
Travel Travel
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 98359 | Total |
Conferences Meetings ConferencesMeetings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 48190 | Total |
Interest Interest
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 550988 | Total |
Payments To Affiliates PaymentsToAffiliates
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 67395 | Total |
Depreciation Depletion DepreciationDepletion
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1058645 | Total |
Insurance Insurance
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1042065 | Total |
Other Expenses OtherExpenses (4 entries)
| DescriptionDescription | TotalTotal |
|---|---|
| OPERATIONS | 4767718 |
| PROVISION FOR LOAN LOSS | 2889780 |
| LOAN SERVICING | 2194523 |
| MISCELLANEOUS | 132979 |
All Other Expenses AllOtherExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 82544 | Total |
Total Functional Expenses TotalFunctionalExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 42471552 | Total |
Cash Non Interest Bearing CashNonInterestBearing
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 135438915 | BOY |
| EOY | 80865174 | EOY |
Accounts Receivable AccountsReceivable
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 2622657 | BOY |
| EOY | 2527624 | EOY |
Other Notes Loans Receivable Net OtherNotesLoansReceivableNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 493050590 | BOY |
| EOY | 491746310 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Buildings Equipment Basis | 36876701 | LandBuildingsEquipmentBasis |
| Land Bldg Equipment Accum Deprec | 14408864 | LandBldgEquipmentAccumDeprec |
Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 22850906 | BOY |
| EOY | 22467837 | EOY |
Investments Program Related InvestmentsProgramRelated
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 307627657 | BOY |
| EOY | 416837332 | EOY |
Other Assets Total OtherAssetsTotal
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 26830407 | BOY |
| EOY | 44685827 | EOY |
Total Assets TotalAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 988421132 | BOY |
| EOY | 1059130104 | EOY |
Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 2668180 | BOY |
| EOY | 4229860 | EOY |
Escrow Account Liability EscrowAccountLiability
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 434308 | BOY |
| EOY | 561346 | EOY |
Unsecured Notes Loans Payable UnsecuredNotesLoansPayable
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 17250000 | BOY |
| EOY | 15750000 | EOY |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 877602791 | BOY |
| EOY | 939549438 | EOY |
Total Liabilities TotalLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 897955279 | BOY |
| EOY | 960090644 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Do Not Follow SFAS117 | X | DoNotFollowSFAS117 |
Cap Stck Trst Prin Current Funds CapStckTrstPrinCurrentFunds
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
| EOY | 0 | EOY |
Paid In Cap Srpls Land Bldg Eqp Fund PaidInCapSrplsLandBldgEqpFund
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
| EOY | 0 | EOY |
Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 90465853 | BOY |
| EOY | 99039460 | EOY |
Total Net Assets Fund Balances TotalNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 90465853 | BOY |
| EOY | 99039460 | EOY |
Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 988421132 | BOY |
| EOY | 1059130104 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part XI | X | InfoInScheduleOPartXI |
| Reconcilation Revenue Expenses | 7466040 | ReconcilationRevenueExpenses |
| Reconcilation Other Changes | 1107567 | ReconcilationOtherChanges |
| Method Of Accounting Accrual | X | MethodOfAccountingAccrual |
| Accountant Compile Or Review | 0 | AccountantCompileOrReview |
| FS Audited | 1 | FSAudited |
FS Audited Basis FSAuditedBasis
| Field | Value | IRS element (for citing) |
|---|---|---|
| Financial Statement Separate | X | FinancialStatementSeparate |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Audit Committee | 1 | AuditCommittee |
| Federal Grant Audit Required | 0 | FederalGrantAuditRequired |
Schedule C IRS990ScheduleC
| Field | Value | IRS element (for citing) |
|---|---|---|
| Political Expenditures | 5000 | PoliticalExpenditures |
| Volunteer Hours | 0 | VolunteerHours |
| Amt Of Internal Funds Contributed | 5000 | AmtOfInternalFundsContributed |
| Total Exmpt Function Expenditures | 5000 | TotalExmptFunctionExpenditures |
| Form1120 Pol Filed | 1 | Form1120PolFiled |
Sec527 Pol Orgs Sec527PolOrgs
Name Of527 Organization NameOf527Organization
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | CALIFORNIA CREDIT UNION LEAGUE POLITICAL ACTION COMMITTEE | BusinessNameLine1 |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1201 K STREET SUITE 150 | AddressLine1 |
| City | SACRAMENTO | City |
| State | CA | State |
| ZIP Code | 95814 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 942329967 | EIN |
| Amt Pd From Internal Funds | 5000 | AmtPdFromInternalFunds |
Form990 Schedule C Part IV Form990ScheduleCPartIV
| Field | Value | IRS element (for citing) |
|---|---|---|
| Identifier | ORGANIZATIONS DIRECT AND INDIRECT POLITICAL CAMPAIGN ACTIVITIES: | Identifier |
| Return Reference | PART I-A, LINE 1: | ReturnReference |
| Explanation | OCCU MADE A CONTRIBUTION TO THE CALIFORNIA AND NEVADA CREDIT UNION LEAGUE POLITICAL ACTION COMMITTEE (PAC). THEIR PURPOSE IS TO SUPPORT CANDIDATES WHO SUPPORT CREDIT UNIONS. | Explanation |
Schedule D IRS990ScheduleD
| Field | Value | IRS element (for citing) |
|---|---|---|
| Agent Trustee Etc | 0 | AgentTrusteeEtc |
| Included On FS | 1 | IncludedOnFS |
| Explanation In Part XIII | X | ExplanationInPartXIII |
Land Land
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 4853741 | OtherCostOrOtherBasis |
| Book Value | 4853741 | BookValue |
Buildings Buildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 17955825 | OtherCostOrOtherBasis |
| Depreciation | 4413155 | Depreciation |
| Book Value | 13542670 | BookValue |
Leasehold Improvements LeaseholdImprovements
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 3401961 | OtherCostOrOtherBasis |
| Depreciation | 2951156 | Depreciation |
| Book Value | 450805 | BookValue |
Equipment Equipment
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 7655170 | OtherCostOrOtherBasis |
| Depreciation | 6090530 | Depreciation |
| Book Value | 1564640 | BookValue |
Other Land Buildings OtherLandBuildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 3010004 | OtherCostOrOtherBasis |
| Depreciation | 954023 | Depreciation |
| Book Value | 2055981 | BookValue |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Land Buildings | 22467837 | TotalOfBookValueLandBuildings |
Investments Program Related InvestmentsProgramRelated
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | INVESTMENT SECURITIES | Description |
| Book Value | 416837332 | BookValue |
| Method Of Valuation | F | MethodOfValuation |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Program Related | 416837332 | TotalOfBookValueProgramRelated |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | MEMBER SHARE AND SAVINGS ACCOUNTS | Description |
| Amount | $939,549,438 | Amount |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Amounts | 939549438 | TotalOfAmounts |
| Footnote In Part XIII | X | FootnoteInPartXIII |
| Tot Revenue Etc Audited Fincl Stmt | 50110479 | TotRevenueEtcAuditedFinclStmt |
| Revenue Not Rptd F990 | 0 | RevenueNotRptdF990 |
| Revenue Subtotal | 50110479 | RevenueSubtotal |
| Other Revenues Not Included | -172887 | OtherRevenuesNotIncluded |
| Revenue Not Rptd On Fin Stmt | -172887 | RevenueNotRptdOnFinStmt |
| Total Revenue Per Form990 | 49937592 | TotalRevenuePerForm990 |
| Tot Expenses Etc Audited Fincl Stmt | 42644439 | TotExpensesEtcAuditedFinclStmt |
| Expenses Not Rptd F990 | 0 | ExpensesNotRptdF990 |
| Expenses Subtotal | 42644439 | ExpensesSubtotal |
| Other Expenses Not Included | -172887 | OtherExpensesNotIncluded |
| Expenses Not Rptd On Fin Stmt | -172887 | ExpensesNotRptdOnFinStmt |
| Total Expenses Per Form990 | 42471552 | TotalExpensesPerForm990 |
Form990 Schedule D Part XIII Form990ScheduleDPartXIII (4 entries)
| Return ReferenceReturnReference | ExplanationExplanation | IdentifierIdentifier |
|---|---|---|
| PART IV, LINE 2B: | THE CREDIT UNION HOLDS FUNDS IN ESCROW RELATED TO THE MORTGAGE LOANS OUTSTANDING. | |
| PART X, LINE 2: | THE CREDIT UNION HAS FILED UBIT RETURNS (990-T) IN THE PAST, WHICH RESULTED IN NO INCOME TAXES PAID FOR THE YEARS ENDED DECEMBER 31, 2012 AND 2011. IN ADDITION, THERE WERE NO MATERIAL UNCERTAIN TAX POSITIONS AT DECEMBER 31, 2012 AND 2011. | DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: |
| LOSS ON SALE OF ASSETS RECLASSED FROM EXPENSES -172,887. | PART XI, LINE 4B - OTHER ADJUSTMENTS: | |
| LOSS ON SALE OF ASSETS RECLASSED FROM EXPENSES -172,887. | PART XII, LINE 4B - OTHER ADJUSTMENTS: |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Compensation Committee | X | CompensationCommittee |
| Form990 Of Other Organizations | X | Form990OfOtherOrganizations |
| Written Employment Contract | X | WrittenEmploymentContract |
| Compensation Survey | X | CompensationSurvey |
| Board Or Committee Approval | X | BoardOrCommitteeApproval |
| Severance Payment | 0 | SeverancePayment |
| Supplemental Nonqual Retire Plan | 1 | SupplementalNonqualRetirePlan |
| Equity Based Comp Arrangement | 0 | EquityBasedCompArrangement |
Form990 Schedule J Part II Form990ScheduleJPartII (9 entries)
| TitleTitle | Base Compensation Filing OrgBaseCompensationFilingOrg | Comp Based On Related OrgsCompBasedOnRelatedOrgs | Bonus Filing OrgBonusFilingOrg | Bonus Related OrgsBonusRelatedOrgs | Other Compensation Filing OrgOtherCompensationFilingOrg | Other Compensation Related OrgsOtherCompensationRelatedOrgs | Deferred Comp Filing OrgDeferredCompFilingOrg | Deferred Comp Related OrgsDeferredCompRelatedOrgs | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrg | Nontaxable Benefits Related OrgsNontaxableBenefitsRelatedOrgs | Total Compensation Filing OrgTotalCompensationFilingOrg | Total Compensation Related OrgsTotalCompensationRelatedOrgs | Comp Report Prior990 Filing OrgCompReportPrior990FilingOrg | Comp Report Prior990 Related OrgsCompReportPrior990RelatedOrgs |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SHRUTI MIYASHIRO | ||||||||||||||
| PRESIDENT/CEO | 374319 | 0 | 20000 | 0 | 2085 | 0 | 313021 | 0 | 36250 | 0 | 745675 | 0 | 0 | 0 |
| ROBERT GREGORY KRAUSE | ||||||||||||||
| VP/SENIOR CFO | 204374 | 0 | 0 | 0 | 9066 | 0 | 123645 | 0 | 6279 | 0 | 343364 | 0 | 0 | 0 |
| LYNDA LEE SAVOIT | ||||||||||||||
| VP/SENIOR COO | 164613 | 0 | 0 | 0 | 3515 | 0 | 95271 | 0 | 9187 | 0 | 272586 | 0 | 0 | 0 |
| LAURA THOMPSON | ||||||||||||||
| SENIOR VP/CIO | 154094 | 0 | 0 | 0 | 4915 | 0 | 38985 | 0 | 9208 | 0 | 207202 | 0 | 0 | 0 |
| GARY DUANE REBENSDORF | ||||||||||||||
| VP INVESTMENT SERVICES | 141725 | 0 | 39082 | 0 | 0 | 0 | 17019 | 0 | 12015 | 0 | 209841 | 0 | 0 | 0 |
| MONICA CHANDRA | ||||||||||||||
| FINANCIAL CONSULTANT | 36000 | 0 | 301714 | 0 | 1440 | 0 | 20000 | 0 | 705 | 0 | 359859 | 0 | 0 | 0 |
| CATHERINE BARAJAS | ||||||||||||||
| MORTAGE SALES MANAGER | 69423 | 0 | 114828 | 0 | 0 | 0 | 15026 | 0 | 1160 | 0 | 200437 | 0 | 0 | 0 |
| VALENTINA GERSHUNOFF | ||||||||||||||
| MORTGAGE LOAN CONSULTANT | 31436 | 0 | 101763 | 0 | 12505 | 0 | 11690 | 0 | 5893 | 0 | 163287 | 0 | 0 | 0 |
| WARREN JEFFREY HARPER | ||||||||||||||
| VP LENDING SERVICES | 135541 | 0 | 0 | 0 | 0 | 0 | 11407 | 0 | 15417 | 0 | 162365 | 0 | 0 | 0 |
Form990 Schedule J Part III Form990ScheduleJPartIII
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Reference | PART I, LINE 4B | ReturnReference |
| Explanation | THE FOLLOWING INDIVIDUALS PARTICIPATED IN A 457F, NON-QUALIFIED RETIREMENT PLAN: SHRUTI MIYASHIRO LYNDA SAVOIT GREG KRAUSE LAURA THOMPSON THERE WERE NO DISTRIBUTIONS IN 2012. | Explanation |
Schedule O IRS990ScheduleO
General Explanation GeneralExplanation (8 entries)
| Return ReferenceReturnReference | ExplanationExplanation | IdentifierIdentifier |
|---|---|---|
| FORM 990, PART VI, SECTION A, LINE 6 | THE CREDIT UNION'S MEMBERS HAVE RIGHTS TO ELECT THE MEMBERS OF THE GOVERNING BODY. THE CREDIT UNION'S MEMBERS ALSO RECEIVE A SHARE OF THE ORGANIZATION'S PROFITS IN THE FORM OF CASH DIVIDENDS. | |
| FORM 990, PART VI, SECTION A, LINE 7A | MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, AS VACANCIES ARISE, OR OTHERWISE. | |
| FORM 990, PART VI, SECTION A, LINE 7B | MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR. | |
| FORM 990, PART VI, SECTION B, LINE 11 | INFORMATION TO COMPLETE FORM 990 IS PREPARED BY THE CONTROLLER, REVIEWED BY THE CFO, AND SUBMITTED TO CPA FOR COMPLETION. THE BOARD OF DIRECTORS REVIEWS FORM 990 PRIOR TO FILING WITH THE IRS. | |
| FORM 990, PART VI, SECTION B, LINE 12C | OUR CONFLICT OF INTEREST POLICIES ARE POSTED ON THE CREDIT UNION'S INTRANET, AND ARE SIGNED BY EACH EMPLOYEE UPON EMPLOYMENT. IF WE HEAR OF A SITUATION WE TAKE ACTION. | |
| FORM 990, PART VI, SECTION B, LINE 15 | OUR HR TEAM PARTICIPATES IN AT LEAST 3 SALARY SURVEYS AND ANALYZES THE DATA. PERSONNEL COMMITTEE APPROVES THE CEO SALARY. THE CEO AND VP OF HR APPROVE THE ANNUAL SALARY RANGES AND ADJUSTMENTS FOR OTHER OFFICES AND KEY EMPLOYEES. | |
| FORM 990, PART VI, SECTION C, LINE 19 | AUDITED ANNUAL FINANCIAL STATEMENTS ARE PUBLISHED ON OUR WEB-SITE, AND INTERNAL MONTHLY STATEMENTS ARE POSTED AT OUR BRANCH LOCATIONS. BYLAWS AND THE ARTICLES OF INCORPORATION ARE AVAILABLE UPON REQUEST. CONFLICTS OF INTEREST POLICIES ARE NOT MADE AVAILABLE TO THE PUBLIC. | |
| FORM 990, PART XI, LINE 9: | CHANGE IN UNREALIZED GAIN ON AFS 1,107,567. | CHANGES IN NET ASSETS OR FUND BALANCES: |