CREDIT UNIONS IN THE STATE OF CALIFORNIA: Form 990, tax year 2011

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS IN THE STATE OF CALIFORNIA (EIN 95-1981100)
Tax period: 2011-01-01 to 2011-12-31
Filed: 2012-11-15
IRS object ID: 201213209349301601
Schema version: 2011v1.2
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	2012-11-15T08:16:46-06:00	Timestamp
Tax Period End Date	2011-12-31	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	2011-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	951981100	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	CHRISTIAN COMMUNITY CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	CHRI	NameControl
Phone	8003472228	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	255 N LONE HILL AVENUE	AddressLine1
City	SAN DIMAS	City
State	CA	State
ZIP Code	91773	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	JOHN T WALLING	Name
Title	PRESIDENT/CEO	Title
Phone	8003472228	Phone
Date Signed	2012-11-13	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	2011	TaxYear
Build TS	2016-02-24 21:20:13Z	BuildTS

Form 990 IRS990

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

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	255 N LONE HILL AVENUE	AddressLine1
City	SAN DIMAS	City
State	CA	State
ZIP Code	91773	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	32466730	GrossReceipts
Group Return For Affiliates	0	GroupReturnForAffiliates
Organization501c	X	Organization501c
Web Site	WWW.MYCCCU.COM	WebSite
Type Of Organization Corporation	X	TypeOfOrganizationCorporation
Year Formation	1957	YearFormation
State Legal Domicile	CA	StateLegalDomicile
Activity Or Mission Description	THE CREDIT UNION IS OPERATED FOR THE PURPOSE OF PROMOTING THRIFT, PROVIDING CREDIT AT REASONABLE RATES, AND PROVIDING OTHER FINANCIAL SERVICES TO ITS MEMBERS.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	7	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	6	NbrIndependentVotingMembers
Total Nbr Employees	136	TotalNbrEmployees
Total Nbr Volunteers	11	TotalNbrVolunteers
Total Gross UBI	4464	TotalGrossUBI
Net Unrelated Business Txbl Income	-80408	NetUnrelatedBusinessTxblIncome
Contributions Grants Prior Year	0	ContributionsGrantsPriorYear
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	33627684	ProgramServiceRevenuePriorYear
Program Service Revenue CY	32332609	ProgramServiceRevenueCY
Investment Income Prior Year	-421498	InvestmentIncomePriorYear
Investment Income Current Year	-896589	InvestmentIncomeCurrentYear
Other Revenue Prior Year	0	OtherRevenuePriorYear
Other Revenue Current Year	0	OtherRevenueCurrentYear
Total Revenue Prior Year	33206186	TotalRevenuePriorYear
Total Revenue Current Year	31436020	TotalRevenueCurrentYear
Grants And Similar Amnts Prior Year	36500	GrantsAndSimilarAmntsPriorYear
Grants And Similar Amnts CY	11000	GrantsAndSimilarAmntsCY
Benefits Paid To Members Prior Year	6707095	BenefitsPaidToMembersPriorYear
Benefits Paid To Members CY	5633153	BenefitsPaidToMembersCY
Salaries Etc Prior Year	9652431	SalariesEtcPriorYear
Salaries Etc Current Year	9718498	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	14058155	OtherExpensePriorYear
Other Expenses Current Year	12342899	OtherExpensesCurrentYear
Total Expenses Prior Year	30454181	TotalExpensesPriorYear
Total Expenses Current Year	27705550	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	2752005	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	3730470	RevenuesLessExpensesCY
Total Assets BOY	519268246	TotalAssetsBOY
Total Assets EOY	521849240	TotalAssetsEOY
Total Liabilities BOY	470070576	TotalLiabilitiesBOY
Total Liabilities EOY	468921100	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	49197670	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	52928140	NetAssetsOrFundBalancesEOY
Info In Schedule O Part III	X	InfoInScheduleOPartIII
Mission Description	THE MISSION OF CHRISTIAN COMMUNITY CREDIT UNION IS TO PARTNER WITH MEMBERS AND MINISTRIES TO HELP THEM BECOME BETTER STEWARDS AND ACHIEVE THEIR FINANCIAL GOALS.	MissionDescription
Significant New Program Services	0	SignificantNewProgramServices
Significant Change	0	SignificantChange
Description	CREDIT UNION BANKING SERVICE PROGRAMS:THE CREDIT UNION OFFERS A FULL RANGE OF BANKING SERVICES TO THE MEMBERS, BOTH RETAIL AND MINISTRY. AS OF 12/31/11 OUR MEMBERS HAD $441,219,200, ON DEPOSIT IN INSURED ACCOUNTS IN THE CREDIT UNION. THE CREDIT UNION HAS $49,621,307, IN SAVINGS ACCOUNTS, $97,390,428, IN CHECKING ACCOUNTS, $99,903,210, IN MONEY MARKET, AND $180,268,272, IN CERTIFICATES OF DEPOSIT. THE AVERAGE RATE OF RETURN ON THESE ACCOUNTS AT YEAR END WAS 1.19%. IRA CERTIFICATE ACCOUNTS EARNED 2.80%. NON-IRA CERTIFICATES EARNED 2.17% AT YEAR END. DEPOSITS IN THE CREDIT UNION DECREASED $2,307,424 OR 0.50% IN 2011. THE CREDIT UNION BEGAN THE YEAR WITH 26,850 INDIVIDUAL MEMBERS AND ENDED THE YEAR WITH 27,180 FOR AN INCREASE OF 330 INDIVIDUAL MEMBERS OR 1.2%. THE CREDIT UNION HAS 2,350 MINISTRY ACCOUNTS.	Description

Activity2 Activity2

Field	Value	IRS element (for citing)
Description	CREDIT UNION RETAIL REAL ESTATE LENDING:THE CREDIT UNION EXISTS TO PROVIDE LOANS TO ITS MEMBERS AT RATES AND TERMS NOT AVAILABLE TO OUR FIELD OF MEMBERSHIP THROUGH BANKS OR OTHER FINANCIAL INSTITUTIONS. THE LARGEST PORTION OF OUR RETAIL LENDING IS MADE UP OF FIRST TRUST DEED LOANS. THE CREDIT UNION HAD $107,343,643 IN OUTSTANDING RETAIL FIRST TRUST DEED LOANS AS OF 12/31/11. THEY REPRESENT 23.74% OF OUR LOAN PORTFOLIO AND 20.57% OF OUR TOTAL ASSETS. THE AVERAGE RATE ON THESE LOANS WAS 4.429%. THE PORTFOLIO INCREASED $4,476,812 OR 4.35% DURING 2011. THE CREDIT UNION EARNED A NET INTEREST MARGIN OF 3.24% ON THE RETAIL FIRST TRUST DEED PORTFOLIO IN 2011. THE DELINQUENCY RATIO FOR THE PORTFOLIO AT YEAR END WAS 1.3%.	Description

Activity3 Activity3

Field	Value	IRS element (for citing)
Description	CREDIT UNION MINISTRY REAL ESTATE LENDING:THE CREDIT UNION'S FIELD OF MEMBERSHIP INCLUDES MANY CHURCHES AND MINISTRIES. THE CREDIT UNION PROVIDES LOANS TO THESE MEMBERS TO BUY, BUILD, OR RENOVATE REAL PROPERTY AT RATES AND TERMS NOT AVAILABLE TO THEM THROUGH BANKS OR OTHER FINANCIAL INSTITUTIONS. THE LARGEST PORTION OF OUR MINISTRY LOAN PORTFOLIO IS MADE UP OF FIRST TRUST DEED LOANS. THE CREDIT UNION HAD $321,433,239 IN OUTSTANDING FIRST TRUST DEED LOANS TO CHURCHES AND MINISTRIES AS OF 12/31/11. THEY REPRESENT 71% OF OUR LOAN PORTFOLIO AND 62% OF OUR TOTAL ASSETS. THE AVERAGE RATE ON THESE LOANS WAS 6.378%. THE PORTFOLIO DECREASED $10,480,019 DURING 2011 OR 3.16%. THE NET INTEREST MARGIN ON THE PORTFOLIO WAS 5.19%. THE DELINQUENT LOAN RATIO FOR THE PORTFOLIO AT YEAR END WAS 2.33%.	Description

Activity Other ActivityOther

Field	Value	IRS element (for citing)
Description	CREDIT UNION CONSUMER LENDING:THE CREDIT UNION HAS $5,888,631 IN CAR LOANS, $29,002,983 IN RETAIL CREDIT CARD ACCOUNTS, AND $1,245,800 IN STUDENT LOANS.	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	0	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	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
Transaction Related Entity	0	TransactionRelatedEntity
Activities Conducted Partnership	0	ActivitiesConductedPartnership
Schedule O Required	1	ScheduleORequired
Number Forms Transmitted With1096	9478	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	1	ComplianceWithBackupWitholding
Number Of Employees	136	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	6	NumberIndependentVotingMembers
Family Or Business Relationship	0	FamilyOrBusinessRelationship
Delegation Of Management Duties	0	DelegationOfManagementDuties
Changes To Organizing Docs	1	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
Own Website	X	OwnWebsite
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Name Business NameBusiness

Field	Value	IRS element (for citing)
Business Name Line1	STAN WAHL	BusinessNameLine1

Field	Value	IRS element (for citing)
Telephone Number	8003472228	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	255 N LONE HILL AVENUE	AddressLine1
City	SAN DIMAS	City
State	CA	State
ZIP Code	91773	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (20 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
JOHN T WALLING
PRESIDENT/CEO	40.00	X	X	577313	0	149400
ROBERT NEILL
CHAIRMAN	1.00	X	X	1345	0	0
DENNIS ENDERT
VICE CHAIRMAN	1.00	X	X	1559	0	0
CHARLES HUGHES
SECRETARY	1.00	X	X	0	0	0
EDUARDO FONT
DIRECTOR	1.00	X		1090	0	0
MICHAEL PATE
DIRECTOR	1.00	X		1115	0	0
CATHY BARRETT
DIRECTOR	1.00	X		1470	0	0
GARY BISHOP
DIRECTOR	1.00	X		1117	0	0
JOHN PEARSON
DIRECTOR	1.00	X		0	0	0
MARK BARGAEHER
DIRECTOR	1.00	X		1228	0	0
JAMES CARRINGTON
DIRECTOR	1.00	X		1694	0	0
STANLEY WAHL
SVP/CFO	40.00		X	232856	0	178469
DAVID ESTRIDGE
EXECUTIVE VICE PRESIDENT	40.00			356507	0	302297	X
MARJORIE HUGHES
SVP/COO	40.00			266582	0	160794	X
JAMES SCOTT REITSMA
SVP-MINISTRY DEVELOPMENT	40.00			244462	0	181117	X
DAVID SOUTH
SVP-HUMAN RESOURCES	40.00			219137	0	209889	X
SUSAN GONCHARENKO
VP-MINISTRY LENDING DEVELOPMENT	40.00			208875	0	15391		X
JOHN SILVIS
VP-INFORMATION TECHNOLOGY	40.00			112636	0	27276		X
KENNETH MURPHY
VP-MINISTRY DEVELOPMENT GROUP	40.00			102774	0	26983		X
DONNA ESSE
VP-ELECTRONIC SERVICES	40.00			102188	0	25972		X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	2433948	TotalReportableCompFromOrg
Total Reportable Comp Frm Rltd Orgs	0	TotalReportableCompFrmRltdOrgs
Total Other Compensation	1277588	TotalOtherCompensation
Number Individuals GT100 K	10	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
PSCU FINANCIAL SERVICES
560 CARILLON PARKWAY	ST PETERSBURG	FL	33716	CREDIT CARD PROCESSING	2033907
INTUIT FINANCIAL SERVICES
PO BOX 515306	LOS ANGELES	CA	900516606	PC BANKING FEES	283098
BUTTERFLY INFORMATION TECHNOLOGY
710 SW 34TH STREET	RENTON	WA	98057	PREPARE MEMBER STATEMENTS	154125
CU COOPERATIVE SYSTEMS INC
9692 HAVEN AVENUE	RANCHO CUCAMONGA	CA	91730	ATM & VISA CHECK CARD TRANSACTIONS	154003
FINANCIAL SERVICE CENTERS COOPERATIVE I
2855 E GUASTI ROAD SUITE 202	ONTARIO	CA	917611249	SHARE BRANCH TRANSACTIONS	135608

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	5	NumberOfContractorsGT100K

Program Service Revenue ProgramServiceRevenue (4 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	Unrelated Business RevenueUnrelatedBusinessRevenue
INTEREST ON LOANS	522100	27316954	27316954
INTERCHANGE INCOME	522100	2327350	2327350
FEE INCOME	522100	2224639	2220175	4464
OTHER OPERATING INCOME	522100	463666	463666

Field	Value	IRS element (for citing)
Total Program Service Revenue	32332609	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	134121	TotalRevenueColumn
Exclusion	$134,121	ExclusionAmount

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Securities	650757	Securities
Other	379953	Other

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Securities	-650757	Securities
Other	-379953	Other

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	-1030710	TotalRevenueColumn
Exclusion	-$1,030,710	ExclusionAmount

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	31436020	TotalRevenueColumn
Related Or Exempt Function Income	32328145	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	4464	UnrelatedBusinessRevenue
Exclusion	-$896,589	ExclusionAmount

Grants To Domestic Individuals GrantsToDomesticIndividuals

Field	Value	IRS element (for citing)
Total	11000	Total

Benefits To Members BenefitsToMembers

Field	Value	IRS element (for citing)
Total	5633153	Total

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	2471274	Total

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	5719744	Total

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	529742	Total

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	997738	Total

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	189310	Total

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	121675	Total

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	129107	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	1679814	Total

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	2300088	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	659444	Total

Travel Travel

Field	Value	IRS element (for citing)
Total	46479	Total

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	193571	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	358699	Total

Other Expenses OtherExpenses (4 entries)

DescriptionDescription	TotalTotal
PROVISION FOR LOAN LOSS	4600000
LOAN SERVICING EXPENSES	1300585
SHARE DRAFT EXPENSES	618541
MISCELLANEOUS EXPENSES	79433

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	66153	Total

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	27705550	Total

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	2932715	BOY
EOY	355515	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	420164	BOY
EOY	196171	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	458422629	BOY
EOY	443290351	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	320436	BOY
EOY	374196	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	15995062	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	7593650	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	8776125	BOY
EOY	8401412	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	34304149	BOY
EOY	54292460	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	14092028	BOY
EOY	14939135	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	519268246	BOY
EOY	521849240	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	4606350	BOY
EOY	5751950	EOY

Deferred Revenue DeferredRevenue

Field	Value	IRS element (for citing)
BOY	4519	BOY
EOY	16866	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	465459707	BOY
EOY	463152284	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	470070576	BOY
EOY	468921100	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	49197670	BOY
EOY	52928140	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	49197670	BOY
EOY	52928140	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	519268246	BOY
EOY	521849240	EOY

Field	Value	IRS element (for citing)
Reconcilation Revenue Expenses	3730470	ReconcilationRevenueExpenses
Reconcilation Other Changes	0	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	0	AccountantCompileOrReview
FS Audited	1	FSAudited
Audit Committee	1	AuditCommittee
Financial Statement Separate	X	FinancialStatementSeparate
Federal Grant Audit Required	0	FederalGrantAuditRequired

Schedule C IRS990ScheduleC

Field	Value	IRS element (for citing)
Political Expenditures	5000	PoliticalExpenditures
Volunteer Hours	0	VolunteerHours
Amt Of Internal Funds Contributed	5000	AmtOfInternalFundsContributed
Total Exmpt Function Expenditures	5000	TotalExmptFunctionExpenditures
Form1120 Pol Filed	1	Form1120PolFiled

Sec527 Pol Orgs Sec527PolOrgs

Name Of527 Organization NameOf527Organization

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

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	PO BOX 54476	AddressLine1
City	ONTARIO	City
State	CA	State
ZIP Code	917610076	ZIPCode

Field	Value	IRS element (for citing)
EIN	942329967	EIN
Amt Pd From Internal Funds	5000	AmtPdFromInternalFunds

Form990 Schedule C Part IV Form990ScheduleCPartIV

Field	Value	IRS element (for citing)
Identifier	ORGANIZATIONS DIRECT AND INDIRECT POLITICAL CAMPAIGN ACTIVITIES:	Identifier
Return Reference	PART I-A, LINE 1:	ReturnReference
Explanation	THE CREDIT UNION CONTRIBUTES TO THE CALIFORNIA CREDIT UNION LEAGUE PAC TO SUPPORT ISSUES OF CONCERN TO CREDIT UNIONS.	Explanation

Schedule D IRS990ScheduleD

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	1756908	OtherCostOrOtherBasis
Book Value	1756908	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	8903950	OtherCostOrOtherBasis
Depreciation	3462687	Depreciation
Book Value	5441263	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	3761128	OtherCostOrOtherBasis
Depreciation	2738997	Depreciation
Book Value	1022131	BookValue

Other Land Buildings OtherLandBuildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	1573076	OtherCostOrOtherBasis
Depreciation	1391966	Depreciation
Book Value	181110	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	8401412	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
Description	MEMBER SHARE DEPOSITS	Description
Amount	$463,152,284	Amount

Field	Value	IRS element (for citing)
Total Of Amounts	463152284	TotalOfAmounts

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Records Maintained	1	RecordsMaintained

Form990 Schedule I Part III Form990ScheduleIPartIII

Field	Value	IRS element (for citing)
Type Of Grant	SCHOLARSHIPS	TypeOfGrant
Number Of Recipients	11	NumberOfRecipients
Amount Of Cash Grant	11000	AmountOfCashGrant

Form990 Schedule I Part IV Form990ScheduleIPartIV

Field	Value	IRS element (for citing)
Identifier	PROCEDURE FOR MONITORING GRANTS IN THE U.S.:	Identifier
Return Reference	PART I, LINE 2:	ReturnReference
Explanation	SCHEDULE I, PART I, LINE 2: THE CREDIT UNION INFORMS MEMBERS EACH YEAR OF THE AVAILABILITY OF SCHOLARSHIPS. AS MANY AS 100 APPLICATIONS ARE RECEIVED. A SCHOLARSHIP COMMITTEE REVIEWS, DEBATES, AND RATES THE WORTHINESS OF EACH REQUEST. DEPENDING ON HOW WELL THE CREDIT UNION DID THE PREVIOUS YEAR, SCHOLARSHIPS ARE ISSUED.	Explanation

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	X	TravelForCompanions
Discretionary Spending Account	X	DiscretionarySpendingAccount
Written Policy Re T And E Expenses	1	WrittenPolicyReTAndEExpenses
Substantiation Required	0	SubstantiationRequired
Compensation Committee	X	CompensationCommittee
Independent Consultant	X	IndependentConsultant
Compensation Survey	X	CompensationSurvey
Board Or Committee Approval	X	BoardOrCommitteeApproval
Severance Payment	0	SeverancePayment
Supplemental Nonqual Retire Plan	0	SupplementalNonqualRetirePlan
Equity Based Comp Arrangement	0	EquityBasedCompArrangement

Form990 Schedule J Part II Form990ScheduleJPartII (7 entries)

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 T WALLING
468936	0	75000	0	33377	0	126608	0	22792	0	726713	0	0	0
STANLEY WAHL
200354	0	29805	0	2697	0	177528	0	941	0	411325	0	0	0
DAVID ESTRIDGE
304484	0	45570	0	6453	0	292318	0	9979	0	658804	0	0	0
MARJORIE HUGHES
215749	0	36815	0	14018	0	152057	0	8737	0	427376	0	0	0
JAMES SCOTT REITSMA
196823	0	30210	0	17429	0	166753	0	14364	0	425579	0	0	0
DAVID SOUTH
180100	0	30809	0	8228	0	205093	0	4796	0	429026	0	0	0
SUSAN GONCHARENKO
17812	0	0	0	191063	0	11297	0	4094	0	224266	0	0	0

Form990 Schedule J Part III Form990ScheduleJPartIII

Field	Value	IRS element (for citing)
Return Reference	PART I, LINE 1A	ReturnReference
Explanation	ONCE A YEAR THE BOARD TRAINS TOGETHER ON A TRIP. THERE IS A SMALL DISCRETIONARY ACCOUNT, (USUALLY $500) TO COVER EXPENSES (TIPS, CABS, ETC.) INCURRED DURING THE TRAINING TRIP.	Explanation

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (8 entries)

Return ReferenceReturnReference	ExplanationExplanation
FORM 990, PART VI, SECTION A, LINE 4	THE CREDIT UNION AMENDED THE BYLAWS TO REDEFINE MEMBERSHIP QUALIFICATIONS AS FOLLOWS; ARTICLE III MEMBERSHIP SECTION 300. QUALIFICATIONS. THE FIELD OF MEMBERSHIP SHALL BE LIMITED TO THOSE INDIVIDUALS AND ORGANIZATIONS HAVING THE FOLLOWING COMMON BOND; CHURCHES, MINISTRIES AND SCHOOLS ALIGNED WITH PROTESTANT CHRISTIAN DOCTRINE; AFFILIATED INSTITUTIONS AND ORGANIZATIONS; MINISTERS, EMPLOYEES, OFFICERS, MEMBERS, TEACHERS, STUDENTS AND OTHERS IN THESE CHURCHES, SCHOOLS AND ORGANIZATIONS; FAMILY MEMBERS OF CURRENT MEMBERS; EMPLOYEES OF THIS CREDIT UNION; ORGANIZATIONS OF SUCH PERSONS; OTHER CREDIT UNIONS ORGANIZED UNDER EITHER FEDERAL OR STATE LAWS PERTAINING TO CREDIT UNIONS. SUCH PROTESTANT CHRISTIAN CHURCHES, MINISTRIES, SCHOOLS AND ORGANIZATIONS INCLUDED IN THE FIELD OF MEMBERSHIP SHALL BE APPROVED BY THE BOARD OF DIRECTORS OF THIS CREDIT UNION OR BY A MAJORITY OF MEMBERS OF A COMMITTEE OR SENIOR MEMBERSHIP OFFICERS APPOINTED BY THE BOARD. THE COMMITTEE OR OFFICER APPROVALS WILL BE REPORTED TO THE BOARD AT THEIR NEXT SCHEDULED MEETING. A RECORD OF APPROVED GROUPS WILL BE PERMANENTLY APPENDED TO THESE BYLAWS.
FORM 990, PART VI, SECTION A, LINE 6	THE CREDIT UNION'S MEMBERS HAVE RIGHTS TO ELECT THE MEMBERS OF THE GOVERNING BODY. THE CREDIT UNION'S MEMBERS ALSO RECEIVE A SHARE OF THE ORGANIZATION'S PROFITS IN THE FORM OF CASH DIVIDENDS.
FORM 990, PART VI, SECTION A, LINE 7A	MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, 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	FORM 990 IS REVIEWED BY THE CHIEF EXECUTIVE OFFICER, CHIEF FINANCIAL OFFICER, AND THE AVP OF PAYROLL. A COPY OF FORM 990 IS ALSO PROVIDED TO THE BOARD OF DIRECTORS PRIOR TO FILING WITH THE IRS.
FORM 990, PART VI, SECTION B, LINE 12C	ALL STAFF AND OFFICIALS MUST COMPLETE AND SIGN THE CONFLICT OF INTEREST POLICY ALONG WITH A QUESTIONAIRE.
FORM 990, PART VI, SECTION B, LINE 15	THE BOARD UTILIZES A PROFESSIONAL CREDIT UNION PERSONNEL AGENCY AND A CREDIT UNION INDUSTRY SALARY SURVEY. A BOARD COMMITTEE REVIEWS THE COMPLILED RECOMMENDATIONS.
FORM 990, PART VI, SECTION C, LINE 19	A MONTHLY FINANCIAL STATEMENT IS PUBLISHED ON THE CREDIT UNION'S WEBSITE AND PROVIDED IN PRINT IN THE LOBBY OF EACH BRANCH. IT IS ALSO PROVIDED UPON REQUEST IN ANY FORMAT. THE GOVERNING DOCUMENTS ARE PUBLIC RECORD AND AVAILABLE FOR REVIEW OF THE MEMBERS. THE CONFLICT OF INTEREST POLICY IS NOT PUBLISHED.