CREDIT UNIONS IN THE STATE OF CALIFORNIA: Form 990, tax year 2012
View the entire original 990 at ProPublica ↗
- Organization
- CREDIT UNIONS IN THE STATE OF CALIFORNIA (EIN 95-1185803)
- Tax period
- 2012-01-01 to 2012-12-31
- Filed
- 2013-10-29
- IRS object ID
- 201333029349300438
- 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 | 2013-10-29T14:52:48-05:00 | Timestamp |
| Tax Period End Date | 2012-12-31 | TaxPeriodEndDate |
Preparer Firm PreparerFirm
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 954083485 | EIN |
Preparer Firm Business Name PreparerFirmBusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | TURNER WARREN HWANG & CONRAD ACCTCY | BusinessNameLine1 |
Preparer Firm US Address PreparerFirmUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 100 NORTH FIRST ST STE 202 | AddressLine1 |
| City | BURBANK | City |
| State | CA | State |
| ZIP Code | 91502 | 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 | 951185803 | EIN |
Name Name
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | CALIFORNIA COAST CREDIT UNION | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Control | CALI | NameControl |
| Phone | 8774951600 | Phone |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 502080 | AddressLine1 |
| City | SAN DIEGO | City |
| State | CA | State |
| ZIP Code | 921502080 | ZIPCode |
Officer Officer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | KENNETH HORTON | Name |
| Title | VP FINANCE | Title |
| Phone | 8774951600 | Phone |
| Date Signed | 2013-10-16 | DateSigned |
| Authorize Third Party | 1 | AuthorizeThirdParty |
Preparer Preparer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | VALENTINO CREUS CPA | Name |
| PTIN | P01054153 | PTIN |
| Phone | 8189549700 | 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 | MARLA SHEPARD | NameOfPrincipalOfficerPerson |
Address Principal Officer US AddressPrincipalOfficerUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 502080 | AddressLine1 |
| City | SAN DIEGO | City |
| State | CA | State |
| ZIP Code | 921502080 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | 80036252 | GrossReceipts |
| Group Return For Affiliates | 0 | GroupReturnForAffiliates |
| Organization501c | X | Organization501c |
| Web Site | WWW.CALCOASTCU.ORG | WebSite |
| Type Of Organization Other | X | TypeOfOrganizationOther |
| Type Of Org Other Description | CREDIT UNION | TypeOfOrgOtherDescription |
| Year Formation | 1929 | YearFormation |
| State Legal Domicile | CA | StateLegalDomicile |
| Activity Or Mission Description | A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. | ActivityOrMissionDescription |
| Nbr Voting Members Governing Body | 11 | NbrVotingMembersGoverningBody |
| Nbr Independent Voting Members | 11 | NbrIndependentVotingMembers |
| Total Nbr Employees | 513 | TotalNbrEmployees |
| Total Nbr Volunteers | 18 | TotalNbrVolunteers |
| Total Gross UBI | 0 | TotalGrossUBI |
| Net Unrelated Business Txbl Income | 0 | NetUnrelatedBusinessTxblIncome |
| Contributions Grants Prior Year | 0 | ContributionsGrantsPriorYear |
| Contributions Grants Current Year | 0 | ContributionsGrantsCurrentYear |
| Program Service Revenue Prior Year | 76761832 | ProgramServiceRevenuePriorYear |
| Program Service Revenue CY | 69851718 | ProgramServiceRevenueCY |
| Investment Income Prior Year | 5508241 | InvestmentIncomePriorYear |
| Investment Income Current Year | 6157453 | InvestmentIncomeCurrentYear |
| Other Revenue Prior Year | 666388 | OtherRevenuePriorYear |
| Other Revenue Current Year | 1197813 | OtherRevenueCurrentYear |
| Total Revenue Prior Year | 82936461 | TotalRevenuePriorYear |
| Total Revenue Current Year | 77206984 | TotalRevenueCurrentYear |
| Grants And Similar Amnts Prior Year | 0 | GrantsAndSimilarAmntsPriorYear |
| Grants And Similar Amnts CY | 9844 | GrantsAndSimilarAmntsCY |
| Benefits Paid To Members Prior Year | 0 | BenefitsPaidToMembersPriorYear |
| Benefits Paid To Members CY | 0 | BenefitsPaidToMembersCY |
| Salaries Etc Prior Year | 25220736 | SalariesEtcPriorYear |
| Salaries Etc Current Year | 28003570 | 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 | 51931643 | OtherExpensePriorYear |
| Other Expenses Current Year | 33673645 | OtherExpensesCurrentYear |
| Total Expenses Prior Year | 77152379 | TotalExpensesPriorYear |
| Total Expenses Current Year | 61687059 | TotalExpensesCurrentYear |
| Revenues Less Expenses Prior Year | 5784082 | RevenuesLessExpensesPriorYear |
| Revenues Less Expenses CY | 15519925 | RevenuesLessExpensesCY |
| Total Assets BOY | 1633208038 | TotalAssetsBOY |
| Total Assets EOY | 1710049411 | TotalAssetsEOY |
| Total Liabilities BOY | 1471437630 | TotalLiabilitiesBOY |
| Total Liabilities EOY | 1532622291 | TotalLiabilitiesEOY |
| Net Assets Or Fund Balances BOY | 161770408 | NetAssetsOrFundBalancesBOY |
| Net Assets Or Fund Balances EOY | 177427120 | NetAssetsOrFundBalancesEOY |
| Info In Schedule O Part III | X | InfoInScheduleOPartIII |
| Mission Description | CALIFORNIA COAST CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVING AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, CALIFORNIA COAST CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. | MissionDescription |
| Significant New Program Services | 0 | SignificantNewProgramServices |
| Significant Change | 0 | SignificantChange |
| Description | ACHIEVEMENT OF SATISFACTORY SERVICES PROVIDED TO MEMBERS IN CONNECTION WITH CONSUMER LOANS, I.E., AUTO LINES, VISA AND PERSONAL LINES OF CREDIT. | Description |
Activity2 Activity2
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | ACCOMPLISHMENT OF TARGET GOALS IN CONNECTION WITH PROVISION OF MORTGAGE LOAN PRODUCTS TO EXISTING MEMBERS. | Description |
Activity3 Activity3
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | MEMBER SATISFACTION IN CONNECTION WITH SERVICES PERTAINING TO CHECKING/SAVINGS ACCOUNTS, ATTRACTIVE CD RATES, IRA AND SIMILAR ACCOUNTS. | 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 | 0 | 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 | 0 | ReportFin48Footnote |
| Independent Audit Financial Stmt | 0 | 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 | 1 | 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 | 1 | 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 | 33937 | NumberFormsTransmittedWith1096 |
| Number W2 G Included | 0 | NumberW2GIncluded |
| Compliance With Backup Witholding | 1 | ComplianceWithBackupWitholding |
| Number Of Employees | 513 | NumberOfEmployees |
| Employment Tax Returns Filed | 1 | EmploymentTaxReturnsFiled |
| Unrelated Business Income | 0 | UnrelatedBusinessIncome |
| 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 | 11 | NbrVotingGoverningBodyMembers |
| Number Independent Voting Members | 11 | 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 | KENNETH HORTON | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Telephone Number | 8774951600 | TelephoneNumber |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 502080 | AddressLine1 |
| City | SAN DIEGO | City |
| State | CA | State |
| ZIP Code | 921502080 | ZIPCode |
Form990 Part VII Section A Form990PartVIISectionA (32 entries)
| TitleTitle | Average Hours Per WeekAverageHoursPerWeek | Individual Trustee Or DirectorIndividualTrusteeOrDirector | Reportable Comp From OrganizationReportableCompFromOrganization | Reportable Comp From Related OrgsReportableCompFromRelatedOrgs | Other CompensationOtherCompensation | OfficerOfficer | Key EmployeeKeyEmployee | Highest Compensated EmployeeHighestCompensatedEmployee |
|---|---|---|---|---|---|---|---|---|
| FRED MEHLICK | ||||||||
| CHAIR | 4.00 | X | 0 | 0 | 0 | |||
| STEVE MCMAHON | ||||||||
| VICE CHAIR | 4.00 | X | 0 | 0 | 0 | |||
| TOM ERICKSON | ||||||||
| SECRETARY | 4.00 | X | 0 | 0 | 0 | |||
| BARBARA K BROOKS | ||||||||
| BOARD MEMBER | 2.00 | X | 0 | 0 | 0 | |||
| GARY ATKINSON | ||||||||
| BOARD MEMBER | 2.00 | X | 0 | 0 | 0 | |||
| ROBERT T ALTMAN | ||||||||
| BOARD MEMBER | 2.00 | X | 0 | 0 | 0 | |||
| BRUCE HUSSON | ||||||||
| BOARD MEMBER | 2.00 | X | 0 | 0 | 0 | |||
| RICHARD J KNOTT | ||||||||
| BOARD MEMBER | 2.00 | X | 0 | 0 | 0 | |||
| ROBERT J MICHAELS | ||||||||
| BOARD MEMBER | 2.00 | X | 0 | 0 | 0 | |||
| FRED WALTERS | ||||||||
| BOARD MEMBER | 2.00 | X | 0 | 0 | 0 | |||
| KERRY FLANAGAN | ||||||||
| BOARD MEMBER | 2.00 | X | 0 | 0 | 0 | |||
| KATHY MA | ||||||||
| SUPV COMMITTEE MEMBER | 2.00 | X | 0 | 0 | 0 | |||
| ROSS WHITE | ||||||||
| SUPV COMMITTEE MEMBER | 2.00 | X | 0 | 0 | 0 | |||
| MARY JEAN DEL CAMPO | ||||||||
| SUPV COMMITTEE MEMBER | 2.00 | X | 0 | 0 | 0 | |||
| JAY SHEPARD | ||||||||
| SUPV COMMITTEE MEMBER | 2.00 | X | 0 | 0 | 0 | |||
| WARREN RUIS | ||||||||
| SUPV COMMITTEE MEMBER | 2.00 | X | 0 | 0 | 0 | |||
| BEVERLY A LYTTON | ||||||||
| SUPV COMMITTEE MEMBER | 2.00 | X | 0 | 0 | 0 | |||
| DENNIS MCGRATH | ||||||||
| SUPV COMMITTEE MEMBER | 2.00 | X | 0 | 0 | 0 | |||
| MARLA SHEPARD | ||||||||
| CEO | 40.00 | 538049 | 0 | 19147 | X | |||
| KATHERINE CADY | ||||||||
| COO | 40.00 | 269442 | 0 | 20936 | X | |||
| TODD LANE | ||||||||
| CFO | 40.00 | 239898 | 0 | 10615 | X | |||
| ROBERT G DISOTELL | ||||||||
| CLO | 40.00 | 122535 | 0 | 9018 | X | |||
| MITZI ZARCONE | ||||||||
| SVP LENDING | 40.00 | 177796 | 0 | 7111 | X | |||
| ROBERT M MILLER | ||||||||
| SVP OPERATIONS | 40.00 | 172343 | 0 | 9698 | X | |||
| KEVIN LANDEL | ||||||||
| SVP INFORMATION SERVICES | 40.00 | 164856 | 0 | 20794 | X | |||
| DARLEEN WILKINS | ||||||||
| SVP BRANCH NETWORK DEVELOP | 40.00 | 158081 | 0 | 11421 | X | |||
| LORI J DURAN | ||||||||
| SVP BRANCH NETWORK DEVELOP | 40.00 | 156858 | 0 | 7943 | X | |||
| SUSAN A WHITELEY | ||||||||
| VP INFORMATION TECHNOLOGY | 40.00 | 163332 | 0 | 20673 | X | |||
| RENE MCKEE | ||||||||
| VP MARKETING | 40.00 | 151791 | 0 | 10461 | X | |||
| KENNETH HORTON | ||||||||
| VP ACCOUNTING & FINANCE | 40.00 | 144862 | 0 | 22441 | X | |||
| ARTHUR J METRAS | ||||||||
| VP REAL ESTATE | 40.00 | 139847 | 0 | 9202 | X | |||
| NANCY MAPLES | ||||||||
| AVP, HUMAN RESOURCES | 40.00 | 114076 | 0 | 15213 | X | |||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | 2713766 | TotalReportableCompFromOrg |
| Total Reportable Comp Frm Rltd Orgs | 0 | TotalReportableCompFrmRltdOrgs |
| Total Other Compensation | 194673 | TotalOtherCompensation |
| Number Individuals GT100 K | 18 | 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 |
|---|---|---|---|---|---|
| THE MEMBERS GROUP | |||||
| PO BOX 10409 | DES MOINES | IA | 10409 | PLASTIC CARD SERVICES | 1486695 |
| CU COOPERATIVE SYSTEM INC | |||||
| 9692 HAVEN AVE | RANCHO CUCAMONGA | CA | 91730 | PLASTIC CARD NETWORK, CONNECTION SERVICE | 1131980 |
| MILNER BUTCHER MEDIA GROUP LLC | |||||
| 11150 W OLYMPIC BLVD S-185 | LOS ANGELES | CA | 90064 | MARKETING/ADVERTISING | 885994 |
| FISERV SOLUTIONS INC | |||||
| 75 REMITTANCE DRIVE | CHICAGO | IL | 60675 | MEMBER STATEMENT PROCESSING SERVICE | 768177 |
| JACK HENRY & ASSOCIATES INC | |||||
| PO BOX 503328 | ST LOUIS | MO | 63150 | IT SERVICES | 589458 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Number Of Contractors GT100 K | 41 | NumberOfContractorsGT100K |
Program Service Revenue ProgramServiceRevenue (3 entries)
| DescriptionDescription | Business CodeBusinessCode | Total Revenue ColumnTotalRevenueColumn | Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome |
|---|---|---|---|
| INTEREST ON LOANS | 522100 | 48295081 | 48295081 |
| OTHER INCOME | 522100 | 12491346 | 12491346 |
| FEE INCOME | 522100 | 9065291 | 9065291 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | 69851718 | TotalProgramServiceRevenue |
Investment Income InvestmentIncome
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 5931501 | TotalRevenueColumn |
| Related Or Exempt Function Income | 5931501 | RelatedOrExemptFunctionIncome |
Gross Amount Sales Assets GrossAmountSalesAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | 3055220 | Other |
Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | 2829268 | Other |
Gain Or Loss GainOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | 225952 | Other |
Net Gain Or Loss Investments NetGainOrLossInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 225952 | TotalRevenueColumn |
| Related Or Exempt Function Income | 225952 | RelatedOrExemptFunctionIncome |
Other Revenue Misc OtherRevenueMisc
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | OTHER NON-OPERATING INCOME | Description |
| Business Code | 522100 | BusinessCode |
| Total Revenue Column | 1197813 | TotalRevenueColumn |
| Related Or Exempt Function Income | 1197813 | RelatedOrExemptFunctionIncome |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Other Revenue | 1197813 | TotalOtherRevenue |
Total Revenue TotalRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 77206984 | TotalRevenueColumn |
| Related Or Exempt Function Income | 77206984 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 0 | UnrelatedBusinessRevenue |
| Exclusion | $0 | ExclusionAmount |
Grants To Domestic Orgs GrantsToDomesticOrgs
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 9844 | Total |
Comp Current Officers Directors CompCurrentOfficersDirectors
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 2713766 | Total |
Other Salaries And Wages OtherSalariesAndWages
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 21368079 | Total |
Pension Plan Contributions PensionPlanContributions
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 549990 | Total |
Other Employee Benefits OtherEmployeeBenefits
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1550042 | Total |
Payroll Taxes PayrollTaxes
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1821693 | Total |
Fees For Services Legal FeesForServicesLegal
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 223235 | Total |
Fees For Services Accounting FeesForServicesAccounting
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 71568 | Total |
Fees For Services Other FeesForServicesOther
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 5914945 | Total |
Advertising Advertising
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1796617 | Total |
Office Expenses OfficeExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 3706256 | Total |
Information Technology InformationTechnology
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 2567556 | Total |
Occupancy Occupancy
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 3664386 | Total |
Travel Travel
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 312405 | Total |
Interest Interest
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 5488395 | Total |
Depreciation Depletion DepreciationDepletion
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 2827928 | Total |
Insurance Insurance
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1420984 | Total |
Other Expenses OtherExpenses (4 entries)
| DescriptionDescription | TotalTotal |
|---|---|
| LOAN SERVICING EXPENSE | 2009127 |
| PROV. FOR LOAN LOSSES | 1640131 |
| LOSS ON REOS | 1537260 |
| MISC OPERATING EXPENSE | 344879 |
All Other Expenses AllOtherExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 147973 | Total |
Total Functional Expenses TotalFunctionalExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 61687059 | Total |
Cash Non Interest Bearing CashNonInterestBearing
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 13338638 | BOY |
| EOY | 10508690 | EOY |
Savings And Temp Cash Investments SavingsAndTempCashInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 85360558 | BOY |
| EOY | 100384448 | EOY |
Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 2052114 | BOY |
| EOY | 1855848 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Buildings Equipment Basis | 59921607 | LandBuildingsEquipmentBasis |
| Land Bldg Equipment Accum Deprec | 29176786 | LandBldgEquipmentAccumDeprec |
Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 34883608 | BOY |
| EOY | 30744821 | EOY |
Investments Pub Traded Securities InvestmentsPubTradedSecurities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 527066659 | BOY |
| EOY | 617358516 | EOY |
Investments Program Related InvestmentsProgramRelated
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 945488447 | BOY |
| EOY | 925363622 | EOY |
Intangible Assets IntangibleAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 3260319 | BOY |
| EOY | 3167772 | EOY |
Other Assets Total OtherAssetsTotal
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 21757695 | BOY |
| EOY | 20665694 | EOY |
Total Assets TotalAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1633208038 | BOY |
| EOY | 1710049411 | EOY |
Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 13331729 | BOY |
| EOY | 17754540 | EOY |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1458105901 | BOY |
| EOY | 1514867751 | EOY |
Total Liabilities TotalLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1471437630 | BOY |
| EOY | 1532622291 | 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 | 161770408 | BOY |
| EOY | 177427120 | EOY |
Total Net Assets Fund Balances TotalNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 161770408 | BOY |
| EOY | 177427120 | EOY |
Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1633208038 | BOY |
| EOY | 1710049411 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Reconcilation Revenue Expenses | 15519925 | ReconcilationRevenueExpenses |
| Reconciliation Unrealized Invest | 136787 | ReconciliationUnrealizedInvest |
| Reconcilation Other Changes | 0 | ReconcilationOtherChanges |
| Info In Schedule O Part XII | X | InfoInScheduleOPartXII |
| 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 Consolidated | X | FinancialStatementConsolidated |
| 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 | 8515 | PoliticalExpenditures |
| Amt Of Internal Funds Contributed | 8515 | AmtOfInternalFundsContributed |
| Total Exmpt Function Expenditures | 8515 | TotalExmptFunctionExpenditures |
| Form1120 Pol Filed | 1 | Form1120PolFiled |
Sec527 Pol Orgs Sec527PolOrgs (3 entries)
| Address Line1AddressUS/AddressLine1 | CityAddressUS/City | StateAddressUS/State | ZIP CodeAddressUS/ZIPCode | EINEIN | Amt Pd From Internal FundsAmtPdFromInternalFunds |
|---|---|---|---|---|---|
| DAVID BAUER | |||||
| 2150 RIVER PLAZA DR 150 | SACRAMENTO | CA | 95833 | 263457749 | 2000 |
| SAN DIEGO CREDIT UNION'S PAC | |||||
| PO BOX 85833 | SAN DIEGO | CA | 921865833 | 743032876 | 1515 |
| CCUL-PAC | |||||
| 1201 K STREET SUITE 1090 | SACRAMENTO | CA | 95814 | 940357265 | 5000 |
Schedule D IRS990ScheduleD
Land Land
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 12219175 | OtherCostOrOtherBasis |
| Book Value | 12219175 | BookValue |
Buildings Buildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 26436633 | OtherCostOrOtherBasis |
| Depreciation | 12045031 | Depreciation |
| Book Value | 14391602 | BookValue |
Leasehold Improvements LeaseholdImprovements
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 6192001 | OtherCostOrOtherBasis |
| Depreciation | 5005864 | Depreciation |
| Book Value | 1186137 | BookValue |
Equipment Equipment
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 15073798 | OtherCostOrOtherBasis |
| Depreciation | 12125891 | Depreciation |
| Book Value | 2947907 | BookValue |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Land Buildings | 30744821 | TotalOfBookValueLandBuildings |
Investments Program Related InvestmentsProgramRelated (5 entries)
| DescriptionDescription | Book ValueBookValue | Method Of ValuationMethodOfValuation |
|---|---|---|
| DEPOSITS IN COMMERCIAL BANKS | 26227999 | F |
| ALL OTHER INVESTMENTS | 11832876 | F |
| LOANS AND LEASES | 869909291 | F |
| LOANS HELD FOR SALE | 2435729 | F |
| NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT | 14957727 | F |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Program Related | 925363622 | TotalOfBookValueProgramRelated |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | MEMBER SHARE DEPOSITS | Description |
| Amount | $1,514,867,751 | Amount |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Amounts | 1514867751 | TotalOfAmounts |
| Footnote In Part XIII | X | FootnoteInPartXIII |
Form990 Schedule D Part XIII Form990ScheduleDPartXIII
| Field | Value | IRS element (for citing) |
|---|---|---|
| Identifier | DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: | Identifier |
| Return Reference | PART X, LINE 2: | ReturnReference |
| Explanation | ASC 740-10-65, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE CONSOLIDATED 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 DEEMED TO NOT MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. THE CREDIT UNION IS GENERALLY NO LONGER SUBJECT TO EXAMINATION BY FEDERAL TAX AUTHORITIES FOR YEARS BEFORE 2009 AND BY STATE TAX AUTHORITIES BEFORE 2008. FOR THE YEAR ENDED MARCH 31, 2013, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS, AND ACCORDINGLY, THE CREDIT UNION HAS NOT RECORDED A LIABILITY FOR THE PAYMENT OF INTEREST OR PENALTIES. | Explanation |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Travel For Companions | X | TravelForCompanions |
| Written Policy Re T And E Expenses | 1 | WrittenPolicyReTAndEExpenses |
| Substantiation Required | 1 | SubstantiationRequired |
| Independent Consultant | X | IndependentConsultant |
| 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 (11 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MARLA SHEPARD | ||||||||||||||
| CEO | 442767 | 0 | 65401 | 0 | 29881 | 0 | 4125 | 0 | 15022 | 0 | 557196 | 0 | 0 | 0 |
| KATHERINE CADY | ||||||||||||||
| COO | 243888 | 0 | 19185 | 0 | 6369 | 0 | 7523 | 0 | 13413 | 0 | 290378 | 0 | 0 | 0 |
| TODD LANE | ||||||||||||||
| CFO | 221852 | 0 | 17380 | 0 | 666 | 0 | 6480 | 0 | 4135 | 0 | 250513 | 0 | 0 | 0 |
| MITZI ZARCONE | ||||||||||||||
| SVP LENDING | 166467 | 0 | 7343 | 0 | 3986 | 0 | 1344 | 0 | 5767 | 0 | 184907 | 0 | 0 | 0 |
| ROBERT M MILLER | ||||||||||||||
| SVP OPERATIONS | 161355 | 0 | 10536 | 0 | 452 | 0 | 3966 | 0 | 5732 | 0 | 182041 | 0 | 0 | 0 |
| KEVIN LANDEL | ||||||||||||||
| SVP INFORMATION SERVICES | 154247 | 0 | 9874 | 0 | 735 | 0 | 4866 | 0 | 15928 | 0 | 185650 | 0 | 0 | 0 |
| DARLEEN WILKINS | ||||||||||||||
| SVP BRANCH NETWORK DEVELOP | 147105 | 0 | 9051 | 0 | 1925 | 0 | 1343 | 0 | 10078 | 0 | 169502 | 0 | 0 | 0 |
| LORI J DURAN | ||||||||||||||
| SVP BRANCH NETWORK DEVELOP | 147340 | 0 | 8269 | 0 | 1249 | 0 | 0 | 0 | 7943 | 0 | 164801 | 0 | 0 | 0 |
| SUSAN A WHITELEY | ||||||||||||||
| VP INFORMATION TECHNOLOGY | 147769 | 0 | 7449 | 0 | 8114 | 0 | 4604 | 0 | 16069 | 0 | 184005 | 0 | 0 | 0 |
| RENE MCKEE | ||||||||||||||
| VP MARKETING | 140057 | 0 | 8417 | 0 | 3317 | 0 | 4230 | 0 | 6231 | 0 | 162252 | 0 | 0 | 0 |
| KENNETH HORTON | ||||||||||||||
| VP ACCOUNTING & FINANCE | 135451 | 0 | 8814 | 0 | 597 | 0 | 4336 | 0 | 18105 | 0 | 167303 | 0 | 0 | 0 |
Form990 Schedule J Part III Form990ScheduleJPartIII
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Reference | PART I, LINE 4B | ReturnReference |
| Explanation | THE NONQUALIFIED RETIREMENT PLAN IS A SERP AND IS INTENDED TO SUPPLEMENT THE CEO'S 401(K) RETIREMENT PLAN BENEFITS IN ORDER TO ENSURE THAT THE CEO RECEIVES A CERTAIN AMOUNT OF TARGETED RETIREMENT BENEFITS AS DETERMINED BY THE BOARD OF DIRECTORS. THE CEO IS THE ONLY PARTICIPANT IN THE PLAN. | Explanation |
Schedule L IRS990ScheduleL
Form990 Schedule L Part IV Form990ScheduleLPartIV (2 entries)
| RelationshipRelationship | Amount Of TransactionAmountOfTransaction | Description Of TransactionDescriptionOfTransaction | Sharing Of RevenuesSharingOfRevenues |
|---|---|---|---|
| SYMITAR SUBSIDIARY OF JACK HENRY C | |||
| MARLA SHEPARD, CEO OF CCCU, IS ALSO A BOARD MEMBER OF SYMITAR. | 589458 | PROVIDER OF CCCU'S CORE SYSTEM | 0 |
| MOORE BREWER JONES TYLER - LAW FIRM | |||
| HUSBAND OF MARLA SHEPARD, CEO OF CCCU, IS A PRINCIPAL AT THIS LAW FIRM. | 133856 | LEGAL FEES | 0 |
Schedule O IRS990ScheduleO
General Explanation GeneralExplanation (8 entries)
| Return ReferenceReturnReference | ExplanationExplanation |
|---|---|
| FORM 990, PART VI, SECTION A, LINE 6 | CALIFORNIA COAST CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS, AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. CALIFORNIA COAST CREDIT UNION DOES NOT HAVE STOCKHOLDERS. |
| FORM 990, PART VI, SECTION A, LINE 7A | THE GOVERNING BOARD OF CALIFORNIA COAST CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY OUR BY-LAWS. |
| FORM 990, PART VI, SECTION A, LINE 7B | AT THE END OF EACH TERM OF THE BOARD MEMBERS, ELECTIONS ARE HELD AND BOARD MEMBERS ARE VOTED BY THE MEMBERS OF THE CREDIT UNION PURSUANT TO ITS BY-LAWS. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION. |
| FORM 990, PART VI, SECTION B, LINE 11 | THE FORM 990 WAS PROVIDED TO AND REVIEWED BY THE EXECUTIVE COMMITTEE OF THE BOARD OF DIRECTORS PRIOR TO FILING. |
| FORM 990, PART VI, SECTION B, LINE 12C | EMPLOYEES REVIEW AND SIGN THE CREDIT UNION'S FRAUD POLICY ANNUALLY; REGULAR EXTERNAL AND INTERNAL AUDITS ARE PERFORMED; AND EMPLOYEE ACCOUNTS ARE MONITORED REGULARLY. |
| FORM 990, PART VI, SECTION B, LINE 15 | THE CREDIT UNION USES AN INDEPENDENT CONSULTING FIRM TO REVIEW TITLES AND SALARY LEVELS FOR MANAGER LEVEL AND ABOVE. FOR THE CEO, COMPENSATION IS REVIEWED AND APPROVED BY THE BOARD OF DIRECTORS. |
| FORM 990, PART VI, SECTION C, LINE 19 | MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE BUILDING LOBBY AND ARE ALSO AVAILABLE UPON REQUEST. |
| FORM 990, PART XII, LINE 2C: | THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. |
Schedule R IRS990ScheduleR
Form990 Schedule R Part I Form990ScheduleRPartI
Name Of Disregarded Entity NameOfDisregardedEntity
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | CALIFORNIA COAST FINANCIAL SERVICES LLC | BusinessNameLine1 |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 9201 SPECTRUM CENTER BLVD | AddressLine1 |
| City | SAN DIEGO | City |
| State | CA | State |
| ZIP Code | 92123 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 330986534 | EIN |
| Primary Activities | INVESTMENTS | PrimaryActivities |
| Legal Domicile State | CA | LegalDomicileState |
| Total Income | 136623 | TotalIncome |
| EOY Assets | 1155878 | EOYAssets |
Direct Controlling Entity Name DirectControllingEntityName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | CALIFORNIA COAST CREDIT UNION | BusinessNameLine1 |