SAN DIEGO COUNTY CREDIT UNION: Form 990, tax year 2012
View the entire original 990 at ProPublica ↗
- Organization
- SAN DIEGO COUNTY CREDIT UNION (EIN 95-1184903)
- Tax period
- 2012-01-01 to 2012-12-31
- Filed
- 2013-11-15
- IRS object ID
- 201333199349310023
- 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 | 2013-11-15T16:27:26-06:00 | 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 | 515 S FLOWER STREET 41ST FLOOR | AddressLine1 |
| City | LOS ANGELES | City |
| State | CA | State |
| ZIP Code | 90071 | 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 | 951184903 | EIN |
Name Name
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | SAN DIEGO COUNTY CREDIT UNION | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Control | SAND | NameControl |
| Phone | 8777322848 | Phone |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 6545 SEQUENCE DRIVE | AddressLine1 |
| City | SAN DIEGO | City |
| State | CA | State |
| ZIP Code | 92121 | ZIPCode |
Officer Officer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | ASHLEE MICALE | Name |
| Title | CFO | Title |
| Phone | 8777322848 | Phone |
| Date Signed | 2013-11-15 | DateSigned |
| Authorize Third Party | 1 | AuthorizeThirdParty |
Preparer Preparer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | CHRISTOPHER M PEKULA | Name |
| PTIN | P00734965 | PTIN |
| Phone | 2133304800 | 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 | TERESA HALLECK | NameOfPrincipalOfficerPerson |
Address Principal Officer US AddressPrincipalOfficerUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 6545 SEQUENCE DRIVE | AddressLine1 |
| City | SAN DIEGO | City |
| State | CA | State |
| ZIP Code | 92121 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | 222815843 | GrossReceipts |
| Group Return For Affiliates | 0 | GroupReturnForAffiliates |
| Organization501c | X | Organization501c |
| Web Site | WWW.SDCCU.COM | WebSite |
| Type Of Organization Corporation | X | TypeOfOrganizationCorporation |
| Year Formation | 1938 | YearFormation |
| State Legal Domicile | CA | StateLegalDomicile |
| Activity Or Mission Description | STATE CHARTERED CREDIT UNION PROVIDING FINANCIAL SERVICES TO MEMBERS | ActivityOrMissionDescription |
| Nbr Voting Members Governing Body | 9 | NbrVotingMembersGoverningBody |
| Nbr Independent Voting Members | 7 | NbrIndependentVotingMembers |
| Total Nbr Employees | 830 | TotalNbrEmployees |
| Total Nbr Volunteers | 10 | TotalNbrVolunteers |
| Total Gross UBI | 3022705 | TotalGrossUBI |
| Net Unrelated Business Txbl Income | -1395306 | NetUnrelatedBusinessTxblIncome |
| Contributions Grants Prior Year | 0 | ContributionsGrantsPriorYear |
| Contributions Grants Current Year | 0 | ContributionsGrantsCurrentYear |
| Program Service Revenue Prior Year | 204011900 | ProgramServiceRevenuePriorYear |
| Program Service Revenue CY | 196314566 | ProgramServiceRevenueCY |
| Investment Income Prior Year | 16402498 | InvestmentIncomePriorYear |
| Investment Income Current Year | 24126158 | InvestmentIncomeCurrentYear |
| Other Revenue Prior Year | 2763486 | OtherRevenuePriorYear |
| Other Revenue Current Year | 2374224 | OtherRevenueCurrentYear |
| Total Revenue Prior Year | 223177884 | TotalRevenuePriorYear |
| Total Revenue Current Year | 222814948 | TotalRevenueCurrentYear |
| Grants And Similar Amnts Prior Year | 0 | GrantsAndSimilarAmntsPriorYear |
| Grants And Similar Amnts CY | 0 | GrantsAndSimilarAmntsCY |
| Benefits Paid To Members Prior Year | 0 | BenefitsPaidToMembersPriorYear |
| Benefits Paid To Members CY | 0 | BenefitsPaidToMembersCY |
| Salaries Etc Prior Year | 36457655 | SalariesEtcPriorYear |
| Salaries Etc Current Year | 40042588 | 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 | 120529715 | OtherExpensePriorYear |
| Other Expenses Current Year | 99897231 | OtherExpensesCurrentYear |
| Total Expenses Prior Year | 156987370 | TotalExpensesPriorYear |
| Total Expenses Current Year | 139939819 | TotalExpensesCurrentYear |
| Revenues Less Expenses Prior Year | 66190514 | RevenuesLessExpensesPriorYear |
| Revenues Less Expenses CY | 82875129 | RevenuesLessExpensesCY |
| Total Assets BOY | 5459615811 | TotalAssetsBOY |
| Total Assets EOY | 5836542937 | TotalAssetsEOY |
| Total Liabilities BOY | 4822305036 | TotalLiabilitiesBOY |
| Total Liabilities EOY | 5116355226 | TotalLiabilitiesEOY |
| Net Assets Or Fund Balances BOY | 637310775 | NetAssetsOrFundBalancesBOY |
| Net Assets Or Fund Balances EOY | 720187711 | NetAssetsOrFundBalancesEOY |
| Mission Description | A NOT-FOR-PROFIT CREDIT UNION WHOLLY OWNED BY ITS MEMBERS | MissionDescription |
| Significant New Program Services | 0 | SignificantNewProgramServices |
| Significant Change | 0 | SignificantChange |
| Description | PROVIDE LOAN PRODUCTS AND SERVICES TO MEMBERSHIP | Description |
Activity2 Activity2
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | PROVIDE DEPOSIT PRODUCTS AND SERVICES TO MEMBERSHIP | Description |
Activity3 Activity3
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | PROVIDE OTHER FINANCIAL SERVICES TO MEMBERSHIP | 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 | 1 | ReportFin48Footnote |
| Independent Audit Financial Stmt | 0 | IndependentAuditFinancialStmt |
| Consolidated Audit Financial Stmt | 1 | 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 | 1 | 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 | 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 | 98140 | NumberFormsTransmittedWith1096 |
| Number W2 G Included | 0 | NumberW2GIncluded |
| Compliance With Backup Witholding | 1 | ComplianceWithBackupWitholding |
| Number Of Employees | 830 | 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 | 9 | 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 | 0 | Form990ProvidedToGoverningBody |
| Conflict Of Interest Policy | 1 | ConflictOfInterestPolicy |
| Annual Disclosure Covered Persons | 1 | AnnualDisclosureCoveredPersons |
| Regular Monitoring Enforcement | 1 | RegularMonitoringEnforcement |
| Whistleblower Policy | 0 | 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 | MS ASHLEE MICALE CFO | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Telephone Number | 8777322848 | TelephoneNumber |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 6545 SEQUENCE DRIVE | AddressLine1 |
| City | SAN DIEGO | City |
| State | CA | State |
| ZIP Code | 92121 | ZIPCode |
Form990 Part VII Section A Form990PartVIISectionA (24 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 | FormerFormer |
|---|---|---|---|---|---|---|---|---|---|
| TERESA HALLECK | |||||||||
| CEO & PRESIDENT & DIRECTOR | 40.00 | X | X | 1196184 | 0 | 378074 | |||
| ROD CALVAO | |||||||||
| DIRECTOR & FORMER CEO | 1.00 | X | 427439 | 0 | 228333 | ||||
| ALLAN SHAW | |||||||||
| DIRECTOR | 1.00 | X | 65 | 0 | 0 | ||||
| CHARLES WHITE | |||||||||
| DIRECTOR | 1.00 | X | 1173 | 0 | 0 | ||||
| ILAN AWERBUCH | |||||||||
| DIRECTOR | 1.00 | X | 2051 | 0 | 0 | ||||
| PATRICIA HONEYCUTT | |||||||||
| DIRECTOR | 1.00 | X | 65 | 0 | 0 | ||||
| RICH COLLINS | |||||||||
| DIRECTOR | 1.00 | X | 334 | 0 | 0 | ||||
| STEVE REUEL | |||||||||
| DIRECTOR | 1.00 | X | 900 | 0 | 0 | ||||
| SHIRLEY JACKSON | |||||||||
| DIRECTOR | 1.00 | X | 0 | 0 | 0 | ||||
| CHITRAPHOL T VONGSAWAD | |||||||||
| COO | 40.00 | X | 368942 | 0 | 206161 | ||||
| ASHLEE N MICALE | |||||||||
| CFO | 40.00 | X | 292818 | 0 | 47973 | ||||
| HEATHER E MOSHIER | |||||||||
| EVP - IT | 40.00 | 309622 | 0 | 356638 | X | ||||
| NATHAN S SCHMIDT | |||||||||
| EVP - MARKETING & BUSINESS DEVELOPMENT | 40.00 | 262452 | 0 | 17639 | X | ||||
| SCOTT A NORRIS | |||||||||
| EVP - REAL ESTATE | 40.00 | 274719 | 0 | 90259 | X | ||||
| PATRICK COSGROVE | |||||||||
| EVP - CONSUMER LENDING | 40.00 | 242098 | 0 | 50308 | X | ||||
| MICHELLE PAGNI | |||||||||
| EVP - HUMAN RESOURCES | 40.00 | 218359 | 0 | 33061 | X | ||||
| SASSAN AZHADI | |||||||||
| SR TECHNICAL ARCHITECT | 40.00 | 195396 | 0 | 79545 | X | ||||
| MARC A MATHEWS | |||||||||
| 1ST SVP | 40.00 | 197456 | 0 | 75126 | X | ||||
| TODD L STORKERSEN | |||||||||
| SVP - REGIONAL BRANCH MANAGER | 40.00 | 189147 | 0 | 78515 | X | ||||
| KENTON HALL | |||||||||
| SVP - CONTROLLER | 40.00 | 196407 | 0 | -172515 | X | ||||
| CAROLYN S FLOYD | |||||||||
| SVP - IT | 40.00 | 193299 | 0 | 4791 | X | ||||
| IRENE OBERBAUER | |||||||||
| FORMER CEO | 0.00 | 0 | 0 | 393956 | X | ||||
| PHILIP J WILSON | |||||||||
| FORMER EVP | 0.00 | 0 | 0 | 186894 | X | ||||
| ROBERT MARCHAND | |||||||||
| FORMER CFO | 0.00 | 0 | 0 | 218910 | X | ||||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | 4568926 | TotalReportableCompFromOrg |
| Total Reportable Comp Frm Rltd Orgs | 0 | TotalReportableCompFrmRltdOrgs |
| Total Other Compensation | 2273668 | TotalOtherCompensation |
| Number Individuals GT100 K | 45 | NumberIndividualsGT100K |
| Formers Listed | 1 | FormersListed |
| Total Comp GT150 K | 1 | TotalCompGT150K |
| Compensation From Other Sources | 1 | CompensationFromOtherSources |
Contractor Compensation ContractorCompensation (5 entries)
| Address Line1AddressOfContractor/AddressUS/AddressLine1 | CityAddressOfContractor/AddressUS/City | StateAddressOfContractor/AddressUS/State | ZIP CodeAddressOfContractor/AddressUS/ZIPCode | Description Of ServicesDescriptionOfServices | CompensationCompensation |
|---|---|---|---|---|---|
| NYCA INC | |||||
| 444 S CEDROS AVE SUITE 101 | SOLANA BEACH | CA | 92075 | ADVERTISING SERVICES | 2670359 |
| SHEPPARD MULLIN RICHTER & HAMPTON LLP | |||||
| 333 SOUTH HOPE ST 43RD FL | LA | CA | 90071 | LEGAL SERVICES | 859823 |
| ROI NETWORKS INC | |||||
| 31351 RANCHO VIEJO ROAD | SAN JUAN CAPISTRANO | CA | 92675 | NETWORK CONSULTLING | 596215 |
| RED DOOR INTERACTIVE INC | |||||
| 560 CARLSBAD VILLAGE DRIVE | CARLSBAD | CA | 92008 | ADVERTISING SERVICES | 537504 |
| NETWORK VIGILANCE | |||||
| 10731 TREENA STREET STE 200 | SAN DIEGO | CA | 92131 | NETWORK SECURITY | 532731 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Number Of Contractors GT100 K | 46 | NumberOfContractorsGT100K |
Program Service Revenue ProgramServiceRevenue (2 entries)
| DescriptionDescription | Business CodeBusinessCode | Total Revenue ColumnTotalRevenueColumn | Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome | Unrelated Business RevenueUnrelatedBusinessRevenue |
|---|---|---|---|---|
| INTEREST INCOME | 522100 | 151933853 | 151933853 | |
| FEE INCOME | 522200 | 44380713 | 41358008 | 3022705 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | 196314566 | TotalProgramServiceRevenue |
Investment Income InvestmentIncome
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 13553720 | TotalRevenueColumn |
| Exclusion | $13,553,720 | ExclusionAmount |
Gross Rents GrossRents
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | 72782 | Real |
Less Rental Expenses LessRentalExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | 895 | Real |
Rental Income Or Loss RentalIncomeOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | 71887 | Real |
Net Rental Income Or Loss NetRentalIncomeOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 71887 | TotalRevenueColumn |
| Exclusion | $71,887 | ExclusionAmount |
Gross Amount Sales Assets GrossAmountSalesAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | 10572438 | Other |
Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | 0 | Other |
Gain Or Loss GainOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | 10572438 | Other |
Net Gain Or Loss Investments NetGainOrLossInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 10572438 | TotalRevenueColumn |
| Exclusion | $10,572,438 | ExclusionAmount |
Other Revenue Misc OtherRevenueMisc
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | OTHER INCOME | Description |
| Business Code | 522100 | BusinessCode |
| Total Revenue Column | 2302337 | TotalRevenueColumn |
| Related Or Exempt Function Income | 2302337 | RelatedOrExemptFunctionIncome |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Other Revenue | 2302337 | TotalOtherRevenue |
Total Revenue TotalRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 222814948 | TotalRevenueColumn |
| Related Or Exempt Function Income | 195594198 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 3022705 | UnrelatedBusinessRevenue |
| Exclusion | $24,198,045 | ExclusionAmount |
Comp Current Officers Directors CompCurrentOfficersDirectors
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 3150512 | Total |
Other Salaries And Wages OtherSalariesAndWages
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 29969880 | Total |
Pension Plan Contributions PensionPlanContributions
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 247636 | Total |
Other Employee Benefits OtherEmployeeBenefits
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 4041674 | Total |
Payroll Taxes PayrollTaxes
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 2632886 | Total |
Fees For Services Legal FeesForServicesLegal
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1623335 | Total |
Fees For Services Accounting FeesForServicesAccounting
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 847538 | Total |
Fees For Services Lobbying FeesForServicesLobbying
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 32000 | Total |
Fees For Services Other FeesForServicesOther
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 11360413 | Total |
Advertising Advertising
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 6418252 | Total |
Office Expenses OfficeExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 4205563 | Total |
Occupancy Occupancy
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 7171961 | Total |
Travel Travel
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 315195 | Total |
Interest Interest
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 32188115 | Total |
Depreciation Depletion DepreciationDepletion
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 5223750 | Total |
Insurance Insurance
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 528400 | Total |
Other Expenses OtherExpenses (4 entries)
| DescriptionDescription | TotalTotal |
|---|---|
| PROVISION FOR LOAN LOSS | 12012524 |
| LOAN PROCESSING EXPENSE | 6657567 |
| NCUSIF PREMIUM ASSESSME | 4450096 |
| OTHER OPERATING EXPENSE | 2892854 |
All Other Expenses AllOtherExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 3969668 | Total |
Total Functional Expenses TotalFunctionalExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 139939819 | Total |
Cash Non Interest Bearing CashNonInterestBearing
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1137322127 | BOY |
| EOY | 606800170 | EOY |
Receivables From Officers Etc ReceivablesFromOfficersEtc
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1966473 | BOY |
| EOY | 1907078 | EOY |
Other Notes Loans Receivable Net OtherNotesLoansReceivableNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 3105646565 | BOY |
| EOY | 3116733006 | EOY |
Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 2181425 | BOY |
| EOY | 2586396 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Buildings Equipment Basis | 108881599 | LandBuildingsEquipmentBasis |
| Land Bldg Equipment Accum Deprec | 59627924 | LandBldgEquipmentAccumDeprec |
Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 49679343 | BOY |
| EOY | 49253675 | EOY |
Investments Program Related InvestmentsProgramRelated
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1058873559 | BOY |
| EOY | 1953678554 | EOY |
Other Assets Total OtherAssetsTotal
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 103946319 | BOY |
| EOY | 105584058 | EOY |
Total Assets TotalAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 5459615811 | BOY |
| EOY | 5836542937 | EOY |
Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 38704052 | BOY |
| EOY | 41523567 | EOY |
Mort Notes Pybl Secured Invest Prop MortNotesPyblSecuredInvestProp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 125000000 | BOY |
| EOY | 125000000 | EOY |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 4658600984 | BOY |
| EOY | 4949831659 | EOY |
Total Liabilities TotalLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 4822305036 | BOY |
| EOY | 5116355226 | 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 | 637310775 | BOY |
| EOY | 720187711 | EOY |
Total Net Assets Fund Balances TotalNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 637310775 | BOY |
| EOY | 720187711 | EOY |
Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 5459615811 | BOY |
| EOY | 5836542937 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Reconcilation Revenue Expenses | 82875129 | ReconcilationRevenueExpenses |
| Reconciliation Unrealized Invest | 1807 | ReconciliationUnrealizedInvest |
| 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 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 | 32000 | PoliticalExpenditures |
| Amt Expended For527 Activities | 32000 | AmtExpendedFor527Activities |
| Total Exmpt Function Expenditures | 32000 | 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 PAC | BusinessNameLine1 |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 2855 E GUASTI ROAD SUITE 600 | AddressLine1 |
| City | ONTARIO | City |
| State | CA | State |
| ZIP Code | 91761 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 942329967 | EIN |
| Amt Pd From Internal Funds | 32000 | AmtPdFromInternalFunds |
| Amt Of Contribs Recd Delivered | 32000 | AmtOfContribsRecdDelivered |
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 | SAN DIEGO COUNTY CREDIT UNION MADE A CONTRIBUTION TO THE CALIFORNIA CREDIT UNION LEAGUE POLITICAL ACTION COMMITTEE WHICH IS INVOLVED IN PROMOTING LEGISLATIVE AND REGULATORY MATTERS OF IMPORTANCE TO THE CREDIT UNION INDUSTRY. | Explanation |
Schedule D IRS990ScheduleD
Land Land
| Field | Value | IRS element (for citing) |
|---|---|---|
| Investment Cost Or Other Basis | 13208100 | InvestmentCostOrOtherBasis |
| Book Value | 13208100 | BookValue |
Buildings Buildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Investment Cost Or Other Basis | 36976966 | InvestmentCostOrOtherBasis |
| Depreciation | 15629414 | Depreciation |
| Book Value | 21347552 | BookValue |
Leasehold Improvements LeaseholdImprovements
| Field | Value | IRS element (for citing) |
|---|---|---|
| Investment Cost Or Other Basis | 10281340 | InvestmentCostOrOtherBasis |
| Depreciation | 5999068 | Depreciation |
| Book Value | 4282272 | BookValue |
Equipment Equipment
| Field | Value | IRS element (for citing) |
|---|---|---|
| Investment Cost Or Other Basis | 48404676 | InvestmentCostOrOtherBasis |
| Depreciation | 37999442 | Depreciation |
| Book Value | 10405234 | BookValue |
Other Land Buildings OtherLandBuildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Investment Cost Or Other Basis | 10517 | InvestmentCostOrOtherBasis |
| Book Value | 10517 | BookValue |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Land Buildings | 49253675 | TotalOfBookValueLandBuildings |
Investments Program Related InvestmentsProgramRelated (3 entries)
| DescriptionDescription | Book ValueBookValue | Method Of ValuationMethodOfValuation |
|---|---|---|
| GOVERNMENT INVESTMENTS | 301164 | F |
| GOVERNMENT INVESTMENTS | 1928377390 | C |
| FHLB OF SAN FRANCISCO | 25000000 | F |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Program Related | 1953678554 | TotalOfBookValueProgramRelated |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | MEMBERS' SHARES | Description |
| Amount | $4,949,831,659 | Amount |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Amounts | 4949831659 | TotalOfAmounts |
| Footnote In Part XIII | X | FootnoteInPartXIII |
| Tot Revenue Etc Audited Fincl Stmt | 222814948 | TotRevenueEtcAuditedFinclStmt |
| Revenue Not Rptd F990 | 0 | RevenueNotRptdF990 |
| Revenue Subtotal | 222814948 | RevenueSubtotal |
| Revenue Not Rptd On Fin Stmt | 0 | RevenueNotRptdOnFinStmt |
| Total Revenue Per Form990 | 222814948 | TotalRevenuePerForm990 |
| Tot Expenses Etc Audited Fincl Stmt | 139939819 | TotExpensesEtcAuditedFinclStmt |
| Expenses Not Rptd F990 | 0 | ExpensesNotRptdF990 |
| Expenses Subtotal | 139939819 | ExpensesSubtotal |
| Expenses Not Rptd On Fin Stmt | 0 | ExpensesNotRptdOnFinStmt |
| Total Expenses Per Form990 | 139939819 | TotalExpensesPerForm990 |
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 | FASB CODIFICATION TOPIC 740, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE 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 TO BE SUSTAINED "WHEN CHALLENGED" OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS NOT DEEMED TO MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEARS ENDED DECEMBER 31, 2012 AND 2011, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. | Explanation |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Idemnification Gross Up Payments | X | IdemnificationGrossUpPayments |
| Housing Allowance Or Residence | X | HousingAllowanceOrResidence |
| Written Policy Re T And E Expenses | 1 | WrittenPolicyReTAndEExpenses |
| Substantiation Required | 1 | SubstantiationRequired |
| Compensation Committee | X | CompensationCommittee |
| Independent Consultant | X | IndependentConsultant |
| Compensation Survey | X | CompensationSurvey |
| Board Or Committee Approval | X | BoardOrCommitteeApproval |
| Severance Payment | 1 | SeverancePayment |
| Supplemental Nonqual Retire Plan | 1 | SupplementalNonqualRetirePlan |
| Equity Based Comp Arrangement | 0 | EquityBasedCompArrangement |
Form990 Schedule J Part II Form990ScheduleJPartII (16 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| TERESA HALLECK | ||||||||||||||
| CEO & PRESIDENT & DIRECTOR | 896184 | 0 | 300000 | 0 | 0 | 0 | 369371 | 0 | 8703 | 0 | 1574258 | 0 | 0 | 0 |
| ROD CALVAO | ||||||||||||||
| DIRECTOR & FORMER CEO | 0 | 0 | 0 | 0 | 427439 | 0 | -96667 | 0 | 325000 | 0 | 655772 | 0 | 0 | 0 |
| CHITRAPHOL T VONGSAWAD | ||||||||||||||
| COO | 333942 | 0 | 35000 | 0 | 0 | 0 | 187066 | 0 | 19095 | 0 | 575103 | 0 | 0 | 0 |
| ASHLEE N MICALE | ||||||||||||||
| CFO | 252818 | 0 | 40000 | 0 | 0 | 0 | 10098 | 0 | 37875 | 0 | 340791 | 0 | 0 | 0 |
| HEATHER E MOSHIER | ||||||||||||||
| EVP - IT | 274622 | 0 | 35000 | 0 | 0 | 0 | 338536 | 0 | 18102 | 0 | 666260 | 0 | 0 | 0 |
| NATHAN S SCHMIDT | ||||||||||||||
| EVP - MARKETING & BUSINESS DEVELOPME | 232452 | 0 | 30000 | 0 | 0 | 0 | 14313 | 0 | 3326 | 0 | 280091 | 0 | 0 | 0 |
| SCOTT A NORRIS | ||||||||||||||
| EVP - REAL ESTATE | 249719 | 0 | 25000 | 0 | 0 | 0 | 76870 | 0 | 13389 | 0 | 364978 | 0 | 0 | 0 |
| PATRICK COSGROVE | ||||||||||||||
| EVP - CONSUMER LENDING | 217098 | 0 | 25000 | 0 | 0 | 0 | 18230 | 0 | 32078 | 0 | 292406 | 0 | 0 | 0 |
| MICHELLE PAGNI | ||||||||||||||
| EVP - HUMAN RESOURCES | 193359 | 0 | 25000 | 0 | 0 | 0 | 30562 | 0 | 2499 | 0 | 251420 | 0 | 0 | 0 |
| SASSAN AZHADI | ||||||||||||||
| SR TECHNICAL ARCHITECT | 194396 | 0 | 1000 | 0 | 0 | 0 | 75600 | 0 | 3945 | 0 | 274941 | 0 | 0 | 0 |
| MARC A MATHEWS | ||||||||||||||
| 1ST SVP | 192456 | 0 | 5000 | 0 | 0 | 0 | 74365 | 0 | 761 | 0 | 272582 | 0 | 0 | 0 |
| TODD L STORKERSEN | ||||||||||||||
| SVP - REGIONAL BRANCH MANAGER | 181147 | 0 | 8000 | 0 | 0 | 0 | 68026 | 0 | 10489 | 0 | 267662 | 0 | 0 | 0 |
| CAROLYN S FLOYD | ||||||||||||||
| SVP - IT | 182799 | 0 | 10500 | 0 | 0 | 0 | 3408 | 0 | 1383 | 0 | 198090 | 0 | 0 | 0 |
| IRENE OBERBAUER | ||||||||||||||
| FORMER CEO | 0 | 0 | 0 | 0 | 0 | 0 | 393956 | 0 | 0 | 0 | 393956 | 0 | 0 | 0 |
| PHILIP J WILSON | ||||||||||||||
| FORMER EVP | 0 | 0 | 0 | 0 | 0 | 0 | 186894 | 0 | 0 | 0 | 186894 | 0 | 0 | 0 |
| ROBERT MARCHAND | ||||||||||||||
| FORMER CFO | 0 | 0 | 0 | 0 | 0 | 0 | 218910 | 0 | 0 | 0 | 218910 | 0 | 0 | 0 |
Form990 Schedule J Part III Form990ScheduleJPartIII (2 entries)
| Return ReferenceReturnReference | ExplanationExplanation |
|---|---|
| PART I, LINE 1A | PART I, LINE 1A: THE FOLLOWING EMPLOYEES WERE PROVIDED BENEFITS AND REIMBURSEMENTS RELATING TO A CAR ALLOWANCE: CHITRAPHOL T. VONGSAWAD - $7,200 HEATHER E. MOSHIER - $5,400 SCOTT A. NORRIS - $5,400 NATHAN S. SCHMIDT - $2,700 THE FOLLOWING EMPLOYEES WERE PROVIDED BENEFITS AND REIMBURSEMENTS RELATING TO MOVING AND RELOCATION COSTS: ASHLEE N. MICALE - $28,751 PATRICK M. COSGROVE - $21,111 THE FOLLOWING EMPLOYEES RECEIVED REIMBURSEMENTS RELATING TO INTERVIEW EXPENSES: ASHLEE N. MICALE - $1,331 PATRICK M. COSGROVE - $1,088 |
| PART I, LINES 4A-B | SCHEDULE J, PART I, LINE 4A: THE FOLLOWING INDIVIDUALS RECEIVED SEVERANCE PAYMENTS FROM SDCCU DURING THE YEAR IN ACCORDANCE WITH ESTABLISHED AGREEMENTS. KENTON HALL - $58,064 SCHEDULE J, PART I, LINE 4B: SDCCU PROVIDES CERTAIN OFFICERS, DIRECTORS, KEY EMPLOYEES AND HIGHLY COMPENSATED EXECUTIVES WITH A SPLIT-DOLLAR SUPPLEMEMTAL EXECUTIVE RETIREMENT PLAN (SERP) TO AUGMENT RETIREMENT INCOME FOR THESE EMPLOYEES. AMOUNTS CREDITED TO PARTICIPANTS ARE EARNED ON AN ANNUAL BASIS AND BASED ON CERTAIN ACTUARIAL FACTORS. THE AMOUNTS ARE ALSO SUBJECT TO FORFEITURE IF CERTAIN EMPLOYMENT CONDITIONS AND VESTING PERIODS ARE NOT MET. FOR THE YEAR ENDING DECEMBER 31, 2012, THE INDIVIDUALS LISTED IN SCHEDULE J, PART II HAD AN AMOUNT RELATING TO THE SERP BENEFITS LISTED AS DEFERRED COMPENSATION LISTED IN COLUMN C: TERESA HALLECK - $358,294 CHITRAPHOL T. VONGSAWAD - $176,116 HEATHER E. MOSHIER - $327,075 ASHLEE N. MICALE - $7,667 SCOTT A. NORRIS - $67,998 NATHAN S. SCHMIDT - $9,408 PATRICK M. COSGROVE - $14,260 KENTON HALL - $(178,501) SASSAN AZHADI - $67,705 MICHELLE PAGNI - $23,439 MARC A. MATHEWS - $66,673 TODD L. STORKERSEN - $61,003 ROD CALVAO - $(96,667) IRENE OBERBAUER - $181,456 ROBERT MARCHAND - $100,830 PHILIP WILSON - $100,373 THE FOLLOWING INDIVIDUALS RECEIVED THE FOLLOWING SERP PAYMENTS REPORTABLE AS NON-TAXABLE BENEFITS: ROD CALVAO - $325,000 IRENE OBERBAUER - $212,500 ROBERT MARCHAND - $118,080 PHILIP WILSON - $86,521 THE FOLLOWING INDIVIDUALS RECEIVED THE FOLLOWING SERP PAYMENTS REPORTABLE AS COMPENSATION: ROD CALVAO - $425,000 |
Schedule L IRS990ScheduleL
Loan Table LoanTable (21 entries)
| Relationship With OrganizationRelationshipWithOrganization | Purpose Of LoanPurposeOfLoan | Loan From OrganizationLoanFromOrganization | Original PrincipalOriginalPrincipalAmount | Balance DueBalanceDue | DefaultDefault | Approved By BoardApprovedByBoard | Written AgreementWrittenAgreement |
|---|---|---|---|---|---|---|---|
| SASSAN AZHADI | |||||||
| HIGHLY COMPENSATED EMPLOYEE | MORTGAGE | X | $484,000 | 421282 | 0 | 0 | 1 |
| SASSAN AZHADI | |||||||
| HIGHLY COMPENSATED EMPLOYEE | EQUITYLINE | X | $13,516 | 0 | 0 | 0 | 1 |
| SASSAN AZHADI | |||||||
| HIGHLY COMPENSATED EMPLOYEE | CREDIT CARD | X | $7,718 | 174 | 0 | 0 | 1 |
| PATRICK COSGROVE | |||||||
| KEY EMPLOYEE | CREDIT CARD | X | $10,000 | 1667 | 0 | 0 | 1 |
| CAROLYN S FLOYD | |||||||
| HIGHLY COMPENSATED EMPLOYEE | CREDIT CARD | X | $6,000 | 4669 | 0 | 0 | 1 |
| MARC MATTHEWS | |||||||
| HIGHLY COMPENSATED EMPLOYEE | AUTO | X | $22,000 | 6322 | 0 | 0 | 1 |
| MARC MATTHEWS | |||||||
| HIGHLY COMPENSATED EMPLOYEE | CREDIT CARD | X | $10,081 | 9646 | 0 | 0 | 1 |
| SCOTT A NORRIS | |||||||
| KEY EMPLOYEE | CREDIT CARD | X | $9,796 | 534 | 0 | 1 | 1 |
| SCOTT A NORRIS | |||||||
| KEY EMPLOYEE | AUTO | X | $47,625 | 41860 | 0 | 1 | 1 |
| SCOTT A NORRIS | |||||||
| KEY EMPLOYEE | MORTGAGE | X | $417,000 | 382856 | 0 | 1 | 1 |
| SCOTT A NORRIS | |||||||
| KEY EMPLOYEE | CREDIT CARD | X | $20,798 | 0 | 0 | 1 | 1 |
| SCOTT A NORRIS | |||||||
| KEY EMPLOYEE | EQUITYLINE | X | $87,000 | 86828 | 0 | 1 | 1 |
| TODD L STORKERSEN | |||||||
| HIGHLY COMPENSATED EMPLOYEE | CREDIT CARD | X | $1,000 | 40 | 0 | 0 | 1 |
| TODD L STORKERSEN | |||||||
| HIGHLY COMPENSATED EMPLOYEE | CREDIT CARD | X | $755 | 411 | 0 | 0 | 1 |
| TODD L STORKERSEN | |||||||
| HIGHLY COMPENSATED EMPLOYEE | MORTGAGE | X | $352,000 | 341121 | 0 | 0 | 1 |
| TODD L STORKERSEN | |||||||
| HIGHLY COMPENSATED EMPLOYEE | MORTGAGE | X | $112,000 | 110275 | 0 | 0 | 1 |
| TODD L STORKERSEN | |||||||
| HIGHLY COMPENSATED EMPLOYEE | AUTO | X | $26,843 | 23046 | 0 | 0 | 1 |
| TODD L STORKERSEN | |||||||
| HIGHLY COMPENSATED EMPLOYEE | MORTGAGE | X | $365,400 | 349516 | 0 | 0 | 1 |
| TODD L STORKERSEN | |||||||
| HIGHLY COMPENSATED EMPLOYEE | CREDIT CARD | X | $15,434 | 7472 | 0 | 0 | 1 |
| TODD L STORKERSEN | |||||||
| HIGHLY COMPENSATED EMPLOYEE | EQUITYLINE | X | $133,114 | 111380 | 0 | 0 | 1 |
| TODD L STORKERSEN | |||||||
| HIGHLY COMPENSATED EMPLOYEE | EQUITYLINE | X | $8,253 | 7979 | 0 | 0 | 1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Balance Due | 1907078 | TotalBalanceDue |
Schedule O IRS990ScheduleO
General Explanation GeneralExplanation (7 entries)
| Return ReferenceReturnReference | ExplanationExplanation |
|---|---|
| FORM 990, PART VI, SECTION A, LINE 6 | THE CREDIT UNION IS A NOT-FOR-PROFIT ORGANIZATION MADE UP OF MEMBERS. |
| FORM 990, PART VI, SECTION A, LINE 7A | MEMBERS MAY ELECT ALL MEMBERS OF THE BOARD OF DIRECTORS AND THE SUPERVISORY COMMITTEE. MEMBERS MAY NOMINATE CANDIDATES FOR THE BOARD THROUGH A PETITION PROCESS SET FORTH IN THE BYLAWS. A NOMINATION COMMITTEE ALSO NOMINATES CANDIDATES. IF MEMBERS FAIL TO NOMINATE A CANDIDATE FOR AN OPEN BOARD POSITION, THEN THE NOMINATION COMMITTEE'S CANDIDATE MAY BE APPOINTED TO THE BOARD WITHOUT AN ELECTION. |
| FORM 990, PART VI, SECTION A, LINE 7B | CERTAIN DECISIONS MADE BY THE CREDIT UNION'S BOARD OF DIRECTORS ARE SUBJECT TO REGULATORY OR MEMBERSHIP APPROVAL. |
| FORM 990, PART VI, SECTION B, LINE 11 | THE FORM 990 IS REVIEWED BY THE CHIEF EXECUTIVE OFFICER ("CEO") AND CHIEF FINANCIAL OFFICER ("CFO"), WHO CONSULT WITH LEGAL COUNSEL TO INSURE THE ACCURACY AND SUFFICIENCY OF ALL RESPONSES. |
| FORM 990, PART VI, SECTION B, LINE 12C | THERE ARE REGULAR COMPLIANCE REVIEWS BY THE CREDIT UNION'S COMPLIANCE OFFICER AND A THIRD (3RD) PARTY VENDOR WHICH ADDRESSES COMPLIANCE WITH ALL CREDIT UNION POLICIES. IN ADDITION, REGULATORS AND CPA'S MONITOR COMPLIANCE DURING THEIR PERIODIC AND ANNUAL AUDITS. |
| FORM 990, PART VI, SECTION B, LINE 15 | HUMAN RESOURCES PARTICIPATES IN SURVEYS AND PROVIDES COMPARABILITY DATA ON COMPENSATION FOR KEY OFFICERS TO THE CEO. OUTSIDE PROFESSIONALS ALSO VALIDATE THE COMPENSATION DATA ON A PERIODIC BASIS. |
| FORM 990, PART VI, SECTION C, LINE 19 | THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC BY COMPLYING WITH THE PUBLIC DISCLOSURE REQUIREMENTS SET FORTH IN THE REGULATIONS FOR IRC SECTION 6104 AT 26 C.F.R. SECTION 301.604 |
Schedule R IRS990ScheduleR
Form990 Schedule R Part I Form990ScheduleRPartI (2 entries)
| Address Line1AddressUS/AddressLine1 | CityAddressUS/City | StateAddressUS/State | ZIP CodeAddressUS/ZIPCode | EINEIN | Primary ActivitiesPrimaryActivities | Legal Domicile StateLegalDomicileState | Total IncomeTotalIncome | EOY AssetsEOYAssets | Business Name Line1DirectControllingEntityName/BusinessNameLine1 |
|---|---|---|---|---|---|---|---|---|---|
| FRESH START REAL ESTATE LLC | |||||||||
| 6545 SEQUENCE DRIVE | SAN DIEGO | CA | 92121 | 452981200 | REAL ESTATE | CA | 194680 | 7970357 | SAN DIEGO COUNTY CREDIT UNION |
| SD FINANCIAL GROUP LLC | |||||||||
| 6545 SEQUENCE DRIVE | SAN DIEGO | CA | 92121 | 452980994 | E-COMMERCE | CA | 4317670 | 3150451 | SAN DIEGO COUNTY CREDIT UNION |