2013-10-31T13:58:26-05:00 2012-12-31 910189318 MOSS ADAMS LLP 3121 WEST MARCH LANE SUITE 100 STOCKTON CA 952192303 990 2012-01-01 940362029 CENTRAL STATE CREDIT UNION CRED 2094445311 919 NORTH CENTER STREET STOCKTON CA 95202 PATRICIA JACKSON 2094445311 2013-10-30 1 TRACY S PAGLIA P00366884 2099556100 2012 2016-03-07 17:11:31Z PATRICIA JACKSON 919 NORTH CENTER STREET STOCKTON CA 95202 7637346 0 1526 X WWW.CENTRALSTATECU.ORG X 1936 CA TO FOCUS ON OUR MEMBER'S FINANCIAL NEEDS BY OFFERING ACCESSIBLE SOLUTIONS AND EXCELLENT SERVICE WHILE MAINTAINING FISCAL INTEGRITY. 7 7 59 13 123420 -132767 0 0 7890197 7235846 307278 344260 0 -9633 8197475 7570473 0 0 687143 415592 2483861 2426935 0 0 0 5156827 4565910 8327831 7408437 -130356 162036 145680809 146466483 132621624 133228146 13059185 13238337 TO FOCUS ON OUR MEMBER'S FINANCIAL NEEDS BY OFFERING ACCESSIBLE SOLUTIONS AND EXCELLENT SERVICE WHILE MAINTAINING FISCAL INTEGRITY. 0 0 WE ARE IN BUSINESS TO LOAN FUNDS TO OUR MEMBERS AT LOW RATES. WE ARE A COMMUNITY CREDIT UNION SERVING OVER 20,000 MEMBERS. MEMBERS CAN USE OUR ELECTRONIC SERVICES 24/7 THROUGH SEVERAL DELIVERY CHANNELS, INCLUDING HOME BANKING, BILL PAY AND ATM SERVICES. WE HAVE AN ARRAY OF OTHER LOW OR NO COST SERVICES SUCH AS CHECKING, IRAS AND OTHER FINANCIAL SERVICES. 0 0 0 0 0 0 0 0 0 1 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1865 0 1 59 1 1 1 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 0 CA X PATRICIA JACKSON 2094445311 919 NORTH CENTER STREET STOCKTON CA 95202 JAMES KIEFER 1.00 X X 0 0 0 JOSEPHINE GIOMETTI 1.00 X X 0 0 0 ROBERT APPLEGATE 1.00 X 0 0 0 SEAN WHELAN 1.00 X 0 0 0 JOE LODUCA 1.00 X X 0 0 0 THEODORE RICH 1.00 X X 0 0 0 CECILE KAISER 1.00 X 0 0 0 DAVID SILVESTRI 40.00 X 224573 0 34913 PATRICIA JACKSON 40.00 X 146216 0 21671 370789 0 56584 2 0 1 0 DIEBOLD GLOBAL PO BOX 644399 PITTSBURG PA 15264 ATM PROCESSING/SERVICING 569508 JACK HENRY PO BOX 609 MONETT MO 65708 DATA PROCESSING/SOFTWARE 170712 FUNDS XPRESS PO BOX 3366 OMAHA NE 68176 HOME BANKING SOFTWARE/WEBSITE HOSTING 125066 3 LOAN INCOME 900099 5016545 5016545 FEE & CHARGES INCOME 900099 1958145 1922013 36132 OTHER INCOME 900099 261156 173868 87288 7235846 344260 344260 57240 66873 -9633 -9633 -9633 7570473 7112426 123420 334627 415592 427373 1552883 76523 218241 151915 17400 29500 491353 113271 365778 140950 402638 43739 14 527044 221608 LOAN SERVICING 1536447 OFFICE OPERATIONS 644581 STATE ASSESSMENT FEES 15114 16473 7408437 1737346 1849848 3269338 2796027 83686925 80696666 587998 541035 13290806 7950349 5644176 5340457 14017380 17036746 34727593 35723252 2010053 2482452 145680809 146466483 327083 335862 132294541 132892284 132621624 133228146 X 0 0 0 0 13059185 13238337 13059185 13238337 145680809 146466483 162036 17116 0 X 0 1 X 1 0 1061871 1061871 5291434 2404332 2887102 429000 324614 104386 5917149 4789738 1127411 591352 431665 159687 5340457 DEPOSIT IN CORP CREDIT UNION 28541397 C OTHER INVESTMENTS 181855 C LIFE INSURANCE POLICY 7000000 F 35723252 MEMBER SHARE DEPOSITS 132892284 132892284 X 1 1 X X X X 0 0 0 DAVID SILVESTRI 200120 0 24453 0 0 0 15476 0 19437 0 259486 0 0 0 PATRICIA JACKSON 131091 0 15125 0 0 0 10084 0 11587 0 167887 0 0 0 PART I, LINE 1A A FITNESS HEALTH CLUB MONTHLY MEMBERSHIP FEE IS PAID BY THE ORGANIZATION FOR THE CEO. NO AMOUNT IS TREATED AS TAXABLE COMPENSATION. FORM 990, PART VI, SECTION A, LINE 6 MEMBERS ARE OWNERS OF THE CREDIT UNION AND HAVE THE RIGHT TO ELECT MEMBERS OF THE GOVERNING BODY BUT RECEIVE NO SHARE OF THE ORGANIZATIONS PROFITS. FORM 990, PART VI, SECTION A, LINE 7A MEMBERS ARE OWNERS OF THE CREDIT UNION AND HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE GOVERNING BODY, WHETHER PERIODICALLY, OR AS VACANCIES ARISE, OR OTHERWISE. FORM 990, PART VI, SECTION A, LINE 7B MEMBERS ARE OWNERS OF THE CREDIT UNION AND 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 EXECUTIVE MANAGEMENT REVIEWS THE FORM 990 COMPLETED BY EXTERNAL CPA FIRM. THE FORM 990 IS DISTRIBUTED TO THE BOARD OF DIRECTORS AT THE NEXT MEETING FOLLOWING FILING THE FORM WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C THE CREDIT UNION DOES NOT PERMIT ITS STAFF TO MAKE TRANSACTIONS ON THEIR ACCOUNTS OR THE ACCOUNTS OF THEIR FAMILY MEMBERS. THE STAFF IS ALSO REQUIRED TO LET THE CREDIT UNION KNOW IF THEY HAVE A SECOND JOB. EACH YEAR, THE STAFF AND VOLUNTEERS ARE REQUIRED TO READ AND SIGN THE PERSONNEL POLICY WHICH INCLUDES A CONFLICT OF INTEREST CLAUSE. THE VOLUNTEERS ARE REQUIRED TO SIGN A CONFLICT OF INTEREST STATEMENT EACH YEAR. FORM 990, PART VI, SECTION B, LINE 15 CENTRAL STATE CREDIT UNION USES COMPARABLE DATA FROM INDEPENDENT COMPENSATION SURVEYS TO PRESENT TO THE BOARD OF DIRECTORS BENEFITS COMMITTEE FOR RECOMMENDATION TO THE FULL BOARD OF DIRECTORS. FORM 990, PART VI, SECTION C, LINE 19 WE POST OUR FINANCIAL STATEMENT AND BUSINESS LICENSE FOR THE PUBLIC IN OUR LOBBY. FOR ADDITIONAL INFORMATION, THE BRANCH WILL CONTACT THE ACCOUNTING DEPARTMENT AND THEY WILL FAX OVER THE DOCUMENTS UPON REQUEST. THE GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE NOT AVAILABLE TO THE PUBLIC. FORM 990, PART IV, LINE 12 FINANCIAL STATEMENTS WERE AUDITED FOR THE FISCAL YEARS ENDED 6/30/2012 AND 6/30/2013.