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 94-1484851)
Tax period: 2012-01-01 to 2012-12-31
Filed: 2013-11-15
IRS object ID: 201333199349306013
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
Form 990
Schedule C
Schedule D
Schedule I
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2013-11-15T12:46:33-06:00	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	941484851	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	CREDIT UNIONS IN THE STATE OF CALIFORNIA	BusinessNameLine1
Business Name Line2	SIERRA CENTRAL CREDIT UNION	BusinessNameLine2

Field	Value	IRS element (for citing)
Name Control	CRED	NameControl
Phone	8002227228	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	820 PLAZA WAY	AddressLine1
City	YUBA CITY	City
State	CA	State
ZIP Code	95991	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	JOHN CASSIDY	Name
Title	CEO	Title
Phone	8002227228	Phone
Date Signed	2013-11-15	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	2016-03-07 17:11:31Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Name Of Principal Officer Person	JOHN CASSIDY	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	820 PLAZA WAY	AddressLine1
City	YUBA CITY	City
State	CA	State
ZIP Code	95991	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	30344547	GrossReceipts
Group Return For Affiliates	0	GroupReturnForAffiliates
All Affiliates Included	1	AllAffiliatesIncluded
Organization501c	X	Organization501c
Web Site	WWW.SIERRACENTRAL.COM	WebSite
Type Of Organization Corporation	X	TypeOfOrganizationCorporation
Year Formation	1955	YearFormation
State Legal Domicile	CA	StateLegalDomicile
Activity Or Mission Description	AS YOUR FINANCIAL INSTITUTION: WE PLEDGE TO SERVE YOU AND OUR COMMUNITY FAITHFULLY; WE WILL BE FRIENDLY, HELPFUL AND PROFESSIONAL. WE WILL PROVIDE GREAT PRODUCTS AND COMPETITIVE RATES.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	7	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	7	NbrIndependentVotingMembers
Total Nbr Employees	240	TotalNbrEmployees
Total Nbr Volunteers	7	TotalNbrVolunteers
Total Gross UBI	120833	TotalGrossUBI
Net Unrelated Business Txbl Income	-153297	NetUnrelatedBusinessTxblIncome
Contributions Grants Prior Year	0	ContributionsGrantsPriorYear
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	24087400	ProgramServiceRevenuePriorYear
Program Service Revenue CY	28719239	ProgramServiceRevenueCY
Investment Income Prior Year	915288	InvestmentIncomePriorYear
Investment Income Current Year	1625308	InvestmentIncomeCurrentYear
Other Revenue Prior Year	7912040	OtherRevenuePriorYear
Other Revenue Current Year	0	OtherRevenueCurrentYear
Total Revenue Prior Year	32914728	TotalRevenuePriorYear
Total Revenue Current Year	30344547	TotalRevenueCurrentYear
Grants And Similar Amnts Prior Year	10000	GrantsAndSimilarAmntsPriorYear
Grants And Similar Amnts CY	10000	GrantsAndSimilarAmntsCY
Benefits Paid To Members Prior Year	0	BenefitsPaidToMembersPriorYear
Benefits Paid To Members CY	3663394	BenefitsPaidToMembersCY
Salaries Etc Prior Year	8750004	SalariesEtcPriorYear
Salaries Etc Current Year	9950705	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	16246431	OtherExpensePriorYear
Other Expenses Current Year	8940679	OtherExpensesCurrentYear
Total Expenses Prior Year	25006435	TotalExpensesPriorYear
Total Expenses Current Year	22564778	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	7908293	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	7779769	RevenuesLessExpensesCY
Total Assets BOY	617246257	TotalAssetsBOY
Total Assets EOY	654647686	TotalAssetsEOY
Total Liabilities BOY	558768962	TotalLiabilitiesBOY
Total Liabilities EOY	588390622	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	58477295	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	66257064	NetAssetsOrFundBalancesEOY
Mission Description	AS YOUR FINANCIAL INSTITUTION: WE PLEDGE TO SERVE YOU AND OUR COMMUNITY FAITHFULLY; WE WILL BE FRIENDLY, HELPFUL AND PROFESSIONAL. WE WILL PROVIDE GREAT PRODUCTS AND COMPETITIVE RATES.	MissionDescription
Significant New Program Services	0	SignificantNewProgramServices
Significant Change	0	SignificantChange
Description	PROVIDE FINANCIAL SERVICES TO MEMBEROWNERS AND PROVIDE SAVINGS AND LOAN ACCOUNTS TO 59,199 MEMBERS	Description
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	0	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	1	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	14482	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	1	ComplianceWithBackupWitholding
Number Of Employees	240	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	0	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	0	RegularMonitoringEnforcement
Whistleblower Policy	1	WhistleblowerPolicy
Document Retention Policy	1	DocumentRetentionPolicy
Compensation Process CEO	1	CompensationProcessCEO
Compensation Process Other	0	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	STEPHANIE DICKINSON	BusinessNameLine1

Field	Value	IRS element (for citing)
Telephone Number	6512876406	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	820 PLAZA WAY	AddressLine1
City	YUBA CITY	City
State	CA	State
ZIP Code	95991	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (14 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
DAVID MACKOWIAK
CHAIR	2.00	X	X	0	0	0
THOMAS BELZA
VICE CHAIR	2.00	X	X	0	0	0
DIANE MEYERS
SECRETARY/TREASURER	2.00	X	X	0	0	0
DOUGLAS SLOAN
DIRECTOR	2.00	X		0	0	0
DANIEL OSTRANDER
DIRECTOR	2.00	X		0	0	0
JAMES KENNEDY
DIRECTOR	2.00	X		0	0	0
RON BARTOLI
DIRECTOR	2.00	X		0	0	0
JOHN CASSIDY
CEO	40.00		X	416520	0	60247
RON SWEENEY
COO/EVP	40.00		X	402368	0	73082
STEPHANIE DICKINSON
CFO/SVP FINANCE	40.00		X	148300	0	41954
STEVE HENDERSON
SVP ISIT & FACILITIES	40.00			164051	0	33475	X
DAVID KELSAY
SVP LENDING	40.00			160638	0	20461	X
BOB CARMAN
RE BUSINESS DEVELOPMENT MANAGER	40.00			108720	0	12918		X
DESIREE MANES
REGIONAL VP	40.00			105406	0	78		X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	1506003	TotalReportableCompFromOrg
Total Reportable Comp Frm Rltd Orgs	0	TotalReportableCompFrmRltdOrgs
Total Other Compensation	242215	TotalOtherCompensation
Number Individuals GT100 K	7	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
DIEBOLD
PO BOX 643543	PITTSBURGH	PA	15264	ATM SERVICES	1220489
FISERV INC
75 REMITTANCE DR 1698	CHICAGO	IL	60675	IT SERVICES	771935
QUEST MEDIA
PO BOX 41039	SACRAMENT	CA	95841	IT SERVICES	440063
INFOIMAGE
141 JEFFERSON DR	MENLO PARK	CA	94025	STATEMENT PROCESSING	369528
EXPERIAN
PO BOX 881971	LOS ANGELES	CA	90088	CREDIT SCORING	258286

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	14	NumberOfContractorsGT100K

Program Service Revenue ProgramServiceRevenue (3 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	Unrelated Business RevenueUnrelatedBusinessRevenue
LOAN INTEREST INCOME	522130	21242146	21242146
SERVICE CHARGES & OTHER FEES	522130	6704930	6596862	108068
OTHER NONINTEREST INCOME	522130	772163	759398	12765

Field	Value	IRS element (for citing)
Total Program Service Revenue	28719239	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	999787	TotalRevenueColumn
Exclusion	$999,787	ExclusionAmount

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Securities	625521	Securities

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Securities	0	Securities

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Securities	625521	Securities

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	625521	TotalRevenueColumn
Exclusion	$625,521	ExclusionAmount

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	30344547	TotalRevenueColumn
Related Or Exempt Function Income	28598406	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	120833	UnrelatedBusinessRevenue
Exclusion	$1,625,308	ExclusionAmount

Grants To Domestic Individuals GrantsToDomesticIndividuals

Field	Value	IRS element (for citing)
Total	10000	Total

Benefits To Members BenefitsToMembers

Field	Value	IRS element (for citing)
Total	3663394	Total

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	1521097	Total

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	6527894	Total

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	456927	Total

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	793757	Total

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	651030	Total

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	163696	Total

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	143000	Total

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	26745	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	277311	Total

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	2313453	Total

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	676418	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	1298356	Total

Interest Interest

Field	Value	IRS element (for citing)
Total	1411	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	1022059	Total

Insurance Insurance

Field	Value	IRS element (for citing)
Total	171829	Total

Other Expenses OtherExpenses (4 entries)

DescriptionDescription	TotalTotal
PLASTIC CARD OPERATIONS	1580298
NCUA PREMIUM EXPENSE	549420
LOAN SERVICING	353362
COMMUNITY RELATIONS	102662

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	260659	Total

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	22564778	Total

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	10846784	BOY
EOY	9563261	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	202122528	BOY
EOY	248609858	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	262844	BOY
EOY	0	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	379208234	BOY
EOY	368627467	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	521841	BOY
EOY	504967	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	31690132	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	16359505	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	14231378	BOY
EOY	15330627	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
BOY	1634400	BOY
EOY	1621600	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	8418248	BOY
EOY	10389906	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	617246257	BOY
EOY	654647686	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	4920481	BOY
EOY	7122563	EOY

Escrow Account Liability EscrowAccountLiability

Field	Value	IRS element (for citing)
BOY	234671	BOY
EOY	255617	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	553613810	BOY
EOY	581012442	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	558768962	BOY
EOY	588390622	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	58477295	BOY
EOY	66257064	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	58477295	BOY
EOY	66257064	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	617246257	BOY
EOY	654647686	EOY

Field	Value	IRS element (for citing)
Reconcilation Revenue Expenses	7779769	ReconcilationRevenueExpenses
Reconcilation Other Changes	0	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	4750	PoliticalExpenditures
Amt Of Internal Funds Contributed	4750	AmtOfInternalFundsContributed
Total Exmpt Function Expenditures	4750	TotalExmptFunctionExpenditures
Form1120 Pol Filed	1	Form1120PolFiled

Sec527 Pol Orgs Sec527PolOrgs

Name Of527 Organization NameOf527Organization

Field	Value	IRS element (for citing)
Business Name Line1	CA CREDIT UNION LEAGUE PAC	BusinessNameLine1

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	1201 K ST	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	4750	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	THE CREDIT UNION CONTRIBUTED TO THE CALIFORNIA CREDIT UNION LEAGUE'S POLITICAL ACTION COMMITTEE IN SUPPORT OF CREDIT UNION ISSUES.	Explanation

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	1	AgentTrusteeEtc
Beginning Balance	144101	BeginningBalance
Additions During Year	714430	AdditionsDuringYear
Distributions During Year	559228	DistributionsDuringYear
Ending Balance	299303	EndingBalance
Included On FS	1	IncludedOnFS
Explanation In Part XIII	X	ExplanationInPartXIII

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	6692303	OtherCostOrOtherBasis
Book Value	6692303	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	11136951	OtherCostOrOtherBasis
Depreciation	4820284	Depreciation
Book Value	6316667	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	1492965	OtherCostOrOtherBasis
Depreciation	1216446	Depreciation
Book Value	276519	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	6563197	OtherCostOrOtherBasis
Depreciation	5684533	Depreciation
Book Value	878664	BookValue

Other Land Buildings OtherLandBuildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	5804716	OtherCostOrOtherBasis
Depreciation	4638242	Depreciation
Book Value	1166474	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	15330627	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
Description	MEMBER SHARES	Description
Amount	$581,012,442	Amount

Field	Value	IRS element (for citing)
Total Of Amounts	581012442	TotalOfAmounts
Footnote In Part XIII	X	FootnoteInPartXIII
Tot Revenue Etc Audited Fincl Stmt	30344547	TotRevenueEtcAuditedFinclStmt
Revenue Not Rptd F990	0	RevenueNotRptdF990
Revenue Subtotal	30344547	RevenueSubtotal
Revenue Not Rptd On Fin Stmt	0	RevenueNotRptdOnFinStmt
Total Revenue Per Form990	30344547	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	22564778	TotExpensesEtcAuditedFinclStmt
Expenses Not Rptd F990	0	ExpensesNotRptdF990
Expenses Subtotal	22564778	ExpensesSubtotal
Expenses Not Rptd On Fin Stmt	0	ExpensesNotRptdOnFinStmt
Total Expenses Per Form990	22564778	TotalExpensesPerForm990

Form990 Schedule D Part XIII Form990ScheduleDPartXIII (3 entries)

Return ReferenceReturnReference	ExplanationExplanation	IdentifierIdentifier
PART IV, LINE 1B:	THE CREDIT UNION HOLDS FUNDS IN ESCROW ON BEHALF OF MORTGAGE LOANS THAT ARE NOT OWNED BY THE CREDIT UNION, BUT ARE SERVICED BY THE CREDIT UNION.
PART IV, LINE 2B:	THE CREDIT UNION HOLDS FUNDS IN ESCROW TO PAY TAXES AND INSURANCE ON BEHALF OF ITS MORTGAGE LOAN MEMBERS.
PART X, LINE 2:	FOR THE YEARS ENDED DECEMBER 31, 2012 AND 2011, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS.	DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Records Maintained	0	RecordsMaintained

Form990 Schedule I Part III Form990ScheduleIPartIII

Field	Value	IRS element (for citing)
Type Of Grant	SCHOLARSHIPS FOR STUDENTS ATTENDING COLLEGE	TypeOfGrant
Number Of Recipients	20	NumberOfRecipients
Amount Of Cash Grant	10000	AmountOfCashGrant

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	X	TravelForCompanions
Club Dues Or Fees	X	ClubDuesOrFees
Written Policy Re T And E Expenses	1	WrittenPolicyReTAndEExpenses
Substantiation Required	1	SubstantiationRequired
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 (5 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
JOHN CASSIDY
CEO	365378	0	49350	0	1792	0	16413	0	43834	0	476767	0	0	0
RON SWEENEY
COO/EVP	236898	0	164741	0	729	0	14608	0	58474	0	475450	0	0	0
STEPHANIE DICKINSON
CFO/SVP FINANCE	128017	0	20000	0	283	0	0	0	41954	0	190254	0	0	0
STEVE HENDERSON
SVP ISIT & FACILITIES	143305	0	20000	0	746	0	0	0	33475	0	197526	0	0	0
DAVID KELSAY
SVP LENDING	139319	0	20000	0	1319	0	0	0	20461	0	181099	0	0	0

Form990 Schedule J Part III Form990ScheduleJPartIII (2 entries)

Return ReferenceReturnReference	ExplanationExplanation
PART I, LINE 1A	TRAVEL FOR COMPANIONS - TRAVEL FOR COMPANIONS IS ONLY PROVIDED FOR BOARD AND SUPERVISORY COMMITTEE MEMBERS. EXPENSES ARE TRACKED DURING THE YEAR AND FORM 1099 IS FILED IF THE $600 REPORTING THRESHOLD IS MET. SOCIAL CLUB DUES - GOLF CLUB DUES ARE PROVIDED TO SVPS AND ABOVE TO COVER THE COST OF THEIR DUES AT THE LOCAL GOLF CLUB. THIS AMOUNT IS INCLUDED IN THE W-2.
PART I, LINE 4B	THE FOLLOWING INDIVIDUALS PARTICIPATED IN A NON-QUALIFIED RETIREMENT PLAN. THERE WERE NO DISBURSEMENTS IN 2012. THE FOLLOWING AMOUNTS WERE ACCRUED FOR SERVICES ATTRIBUTED TO 2012: JOHN CASSIDY $16,413 RON SWEENEY $14,608

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (7 entries)

Return ReferenceReturnReference	ExplanationExplanation
FORM 990, PART VI, SECTION A, LINE 6	INDIVIDUALS MAY JOIN THE CREDIT UNION IF THEY QUALIFY FOR MEMBERSHIP UNDER THE FIELD OF MEMBERSHIP REQUIREMENTS AS SET FORTH IN THE ORGANIZATION BYLAWS. THE CREDIT UNION'S MEMBERS OWN SHARE(S) IN THE ORGANIZATION IN THE FORM OF A DEPOSIT TO A SHARE ACCOUNT(S). THE CREDIT UNION'S MEMBERS HAVE RIGHTS TO ELECT THE MEMBERS OF THE GOVERNING BODY.
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, OR 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	A COPY OF FORM 990 WILL BE PROVIDED TO THE BOARD OF DIRECTORS PRIOR TO FILING WITH THE IRS.
FORM 990, PART VI, SECTION B, LINE 12	EMPLOYEES AND BOARD MEMBERS ARE REQUIRED TO DISCLOSE ANY CONFLICTS THAT ARISE; HOWEVER THERE IS NO OFFICIAL MONITORING PROCESS IN PLACE.
FORM 990, PART VI, SECTION B, LINE 15A	THE BOARD OF DIRECTORS CONTRACT WITH AN EXTERNAL CONSULTING COMPANY TO PROVIDE COMPARABLE COMPENSATION DATA FOR LIKE POSITIONS. AFTER DISCUSSION AMONGST BOARD MEMBERS CONDUCTED IN CLOSED SESSION FORMAT THE COMPENSATION PACKAGE IN CONJUNCTION WITH THE EMPLOYEE CONTRACT WERE PRESENTED TO AND ACCEPTED BY THE CEO IN 2007. THE COO'S SALARY IS A PERCENTAGE OF THE CEOS SALARY. THE PERCENTAGE IS DETERMINED BY THE BOARD AND IS UP TO THEIR DISCRETION. ALL OTHER OFFICERS AND KEY EMPLOYEE SALARIES WERE DETERMINED BY GATHERING COMPARABLE DATA FROM MULTIPLE SOURCES AND ANALYZING IT TO DETERMINE A SALARY. THIS INFORMATION WAS THEN PRESENTED TO JOHN CASSIDY, CEO AND RON SWEENEY, COO AND THEY BOTH APPROVED IT.
FORM 990, PART VI, SECTION C, LINE 19	THE FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY OF EACH BRANCH. ALL OTHER DOCUMENTS ARE AVAILABLE UFON REQUEST.