2026-05-14T14:59:03+00:00 2025-12-31 350921680 CROWE LLP 575 Market Street Suite 3300 San Francisco CA 941055829 990 2025-01-01 941179501 Safe Credit Union SAFE 9169797233 2295 Iron Point Rd Suite 100 Folsom CA 956308765 Alexis Fitzpatrick EVP/CFO 2026-05-14 true Diane Kirmaci P01578407 4155761100 2026-05-14 2025 2025-03-06 01:10:19Z Faye Nabhani 2295 Iron Point Rd Suite 100 Folsom CA 956308765 243955110 false X www.safecu.org X 1940 CA SAFE CREDIT UNION'S PURPOSE STATEMENT IS BUILDING FINANCIAL FREEDOM. SAFE BELIEVES IN FINANCIAL FREEDOM. THIS BELIEF DRIVES OUR COMMITMENT TO SERVING MEMBERS WITH KNOWLEDGE AND OPPORTUNITIES TO BUILD FINANCIAL FREEDOM. 10 10 796 12 1334458 0 0 0 206478987 206397312 43959377 33059757 4230547 4484637 254668911 243941706 249055 254099 72264408 67118985 83943048 81882868 0 0 73650973 66218498 230107484 215474450 24561427 28467256 4305419610 4389837449 3960352448 3993030400 345067162 396807049 SAFE CREDIT UNION'S PURPOSE STATEMENT IS BUILDING FINANCIAL FREEDOM. SAFE BELIEVES IN FINANCIAL FREEDOM. THIS BELIEF DRIVES OUR COMMITMENT TO SERVING MEMBERS WITH KNOWLEDGE AND OPPORTUNITIES TO BUILD FINANCIAL FREEDOM. false false SAFE HAS SERVED THE SACRAMENTO AREA SINCE 1940, AND NOW HAS MEMBERSHIP SPANNING 13 COUNTIES IN NORTHERN CALIFORNIA. SAFE HAS 19 BRANCHES IN THREE OF THESE COUNTIES: SACRAMENTO, PLACER AND YOLO. SAFE SERVES APPROXIMATELY 374,010 MEMBERS. SAFE OFFERS DEPOSITORY, LENDING AND OTHER FINANCIAL PRODUCTS AND SERVICES TO HELP ITS MEMBERS IMPROVE THEIR FINANCIAL WELL-BEING. AS A NOT FOR PROFIT, SAFE IS ABLE TO DELIVER BENEFITS TO ITS MEMBERSHIP THROUGH LOWER LOAN RATES AND HIGHER DEPOSIT RATES. IN ADDITION, SAFE MEMBERS ENJOY THE FOLLOWING BENEFITS: ACCESS TO OVER 33,000 ATMS NATIONWIDE, ACCESS TO OVER 5,550+ SHARED BRANCH LOCATIONS NATIONWIDE, ABILITY TO PERFORM POINT-OF-SALE (POS) TRANSACTIONS, FREE ONLINE BANKING AND BILL PAY, FINANCIAL MANAGEMENT TOOLS AND EARLY PAYDAY WITH DIRECT DEPOSIT. SAFE OFFERS A VARIETY OF DEPOSIT PRODUCTS INCLUDING SAVINGS, CHECKING, MONEY MARKET, CERTIFICATE, RETIREMENT, BUSINESS, AND YOUTH ACCOUNTS. DEPOSITS ARE FEDERALLY INSURED TO AT LEAST $250,000 AND BACKED BY THE FULL FAITH AND CREDIT OF THE UNITED STATES GOVERNMENT. SAFE'S DEPOSIT RATES ARE VERY COMPETITIVE WITH THE MARKET. SAFE FEATURES BOTH LOW AND NO-COST CHECKING PRODUCTS AS WELL AS THOSE WITH HIGHER DIVIDEND RATES. MEMBERS CAN TRANSFER FUNDS FROM ONE DEPOSIT PRODUCT OR ACCOUNT TO ANOTHER QUICKLY AND SEAMLESSLY THROUGH OUR ONLINE, MOBILE, AND TELEPHONE BANKING SYSTEMS. SAFE OFFERS A VARIETY OF LOW-RATE PRODUCTS TO HELP MEMBERS WITH THEIR FINANCING NEEDS. AVAILABLE LOAN PRODUCTS INCLUDE AUTO LOANS, REAL ESTATE MORTGAGE LOANS, HOME EQUITY LINES OF CREDIT, HOME IMPROVEMENT LOANS, VISA CREDIT CARDS, SMALL BUSINESS LOANS, COMMERCIAL REAL ESTATE, AND OTHER SECURED AND UNSECURED LOANS. 0 false false true false false false false false true false true true false true true true true false false false false false false false false false false true true true false false false false false true false false false false false false false false false false false false false false true 157047 0 true 796 true true true false false false false false true false X 10 10 false false false false true true true true false false true true true true true true true true true true false false CA X Alexis Fitzpatrick 9169797233 2295 Iron Point Rd Suite 100 Folsom CA 95630 Bernadette Austin 2nd Vice Chairperson 7.0 X X 937 0 0 Donald Ball Treasurer, 1st Asst. Secretary 9.0 X X 921 0 0 Jody Porter 2nd Vice Chairperson (Retired 4/24/2025) 0.0 X X 0 0 0 Martha Lofgren 1st Vice Chairperson 6.0 X X 1211 0 0 Rick Blumenfeld Chairperson 10.0 X X 943 0 0 Ryan Larkin Secretary 5.0 X X 361 0 0 Robert Logue Director 4.0 X 360 0 0 Sonbol Aliabadi Director 3.0 X 0 0 0 Sonia Lewis Director 6.0 X 221 0 0 Terrrance Tremelling Director 6.0 X 0 0 0 Trish Rodriguez Director 6.0 X 275 0 0 Alexis Fitzpatrick EVP/CFO 40.0 X 634973 0 25252 Faye Nabhani President/CEO 40.0 X 1237729 0 66804 Colleen Nerius EVP/CHRO 40.0 X 667634 0 26463 Michael McCarthy SVP/CTO 40.0 X 722554 0 46678 Tiffani Vargas EVP/CLO 40.0 X 751003 0 47540 Damian Azimi Sr Mortgage Officer 40.0 X 1035696 0 62093 Gina Olson SVP/Member Services and Operations 40.0 X 370853 0 63003 Marleaux Flournoy SVP/Data & Analytics 40.0 X 335105 0 51045 Michelle Bradshaw SVP/Information Technology 40.0 X 356703 0 43954 Sun Park SVP/Internal Auditor Executive 40.0 X 370655 0 47096 Chris Harris FORMER KEY EMPLOYEE (TERMED 10/10/2024) 40.0 X 1020998 0 0 7509132 0 479928 207 true true false DRAGON BUYER INC PO BOX 660367 DALLAS TX 752660367 ATM & Online Banking Services 2975111 COOK SOLUTIONS GROUP INC 9225 NE CASCADES PARKWAY PORTLAND OR 97220 ATM servicing and security 2045822 INFOIMAGE 175 SOUTH HILL DRIVE BRISBANE CA 94005 Mailing of statements/letters 1491687 UNCOMMON PO BOX 162566 SACRAMENTO CA 958162566 Advertising-Digital & Media 1181946 FISERV INC PO BOX 208457 DALLAS TX 753208457 Core system software provider 1091587 74 0 Interest on loans to members 522100 150427849 150427849 0 0 ATM and debit card fees 522100 25897502 25534751 362751 0 Account service fees 522100 17300596 17300596 0 0 Loan fees 522100 8000279 8000279 0 0 Net gain on sale of loans 522100 21195 21195 0 0 4749891 4703109 46782 0 206397312 33073161 33073161 18870 18870 0 18870 18870 0 13404 0 -13404 -13404 -13404 0 Other non-interest income 522100 3540842 1917427 1623415 Shared branch fees 522100 924925 924925 0 0 0 0 4465767 243941706 207905206 1334458 34702042 242099 12000 67118985 5254259 59484060 4072476 8110685 4961388 2063243 345469 4166856 3438431 5598264 18274558 5571560 250495 356497 261665 4127077 330991 Provision for Loan Losses 11658836 Loan Servicing Expense 7417320 Fraud and Card Losses 907333 DFPI Assessment 449146 1000757 215474450 21419992 152155263 202452240 202452240 0 0 0 0 2173604 2062897 0 0 3110938104 3119538033 0 0 111805198 60293926 52004603 51511272 0 668000230 595027404 0 13294414 13282009 235136423 253808331 4305419610 4389837449 44978016 46430536 0 0 0 0 0 0 4365507 4262018 0 0 0 0 0 0 3911008925 3942337846 3960352448 3993030400 0 0 0 0 X 0 0 0 0 345067162 396807049 345067162 396807049 4305419610 4389837449 28467256 23272631 0 X false true true false 53500 0 53500 0 53500 true The Sacramento Metropolitan Chamber PAC 1017 L St 557 Sacramento CA 95814 912066212 30000 Folsom Chamber of Commerce Jobs PAC 200 Wool Street Folsom CA 95630 463565162 500 California Credit Union League 2855 E Guasti Road Ste 202 Ontario CA 91761 940357265 20000 Schedule C, Part I-A, Line 1 Description of Political Activities SAFE IS A COMMUNITY-BASED CREDIT UNION THAT HAS SIGNIFICANT INTERFACE WITH THE LOCAL, STATE, AND FEDERAL GOVERNMENT OFFICIALS AND ENTITIES. SAFE PARTICIPATES IN THE POLITICAL PROCESS IN ORDER TO HAVE AN OPPORTUNITY TO PROVIDE INPUT ON LEGISLATION THAT AFFECTS CREDIT UNIONS. true 770616816 61407631 76085008 755939439 true X 10022969 10022969 50274032 21221872 29052160 3512550 2448301 1064249 47995647 36623753 11371894 51511272 Closely-held equity interests Financial derivatives AVAILABLE FOR SALE SECURITIES 579970225 F OTHER INVESTMENTS 15057179 F 595027404 Loans held for sale 21281031 Accrued interest receivable 11040548 Share insurance deposits 39294764 Other assets 182191988 253808331 Federal Income Taxes Member share accounts 3911239014 Public unit shares 31098832 3942337846 X 267214337 23272631 0 23272631 243941706 0 0 243941706 215474450 0 0 215474450 0 0 215474450 Schedule D, Part IV, Line 1b Agent, trustee, custodian, or other intermediary arrangement THE CREDIT UNION SERVES AS CUSTODIAN FOR ASSETS WHICH ARE NOT INCLUDED ON THE BALANCE SHEET. Schedule D, Part IV, Line 2b Explanation of escrow agreement THE CREDIT UNION HOLDS FUNDS IN ESCROW TO PAY REAL ESTATE TAXES AND INSURANCE ON BEHALF OF ITS MORTGAGE LOAN MEMBERS. Schedule D, Part X, Line 2 FIN 48 (ASC 740) footnote The Credit Union is exempt, by statute, from federal income taxes. The Credit Union is a state-chartered credit union described in Internal Revenue Code (IRC) Section 501(c)(14). As such, the Credit Union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. However, the Credit Union is subject to taxes related to unrelated business income, certain excise expenses and political donations. 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 "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, 2025 and 2024, management has determined that there are no material uncertain tax positions. true Aerospace Museum of California 3200 Freedom Park Dr McClellan CA 95662 942831253 501(c)(3) 25000 Sponsorship and support of community-related programs and fundraisers Improve Your Tomorrow 1901 Royal Oaks Drive Sacramento CA 95815 462981774 501(c)(3) 22500 2025 Q1 Grant Recipient - Improve Your Tomorrow and Sneaker ball gala donation City of Refuge 3216 MLK Jr Blvd Sacramento CA 95817 462676243 501(c)(3) 20000 2025 Q2 Grant Recipient - City of Refuge California Asian Pacific Chamber of Commerce Foundation 2125 19Th St Sacramento CA 95818 680423644 501(c)(3) 20000 2025 Q4 Grant Recipient - NextGen Empower U Program Zion Girls Leadership and Collegiate Preparatory Academy 5473 Ventana Place Citrus Heights CA 95610 882795418 501(c)(3) 20000 Q3 Grant Winner, voted on by public Folsom Economic Development Corp 200 Wool Street Folsom CA 95630 680377492 501(c)(3) 10000 Support for the economic development within the City of Folsom United Way CA Capital Region 10389 Old Placerville Rd Sacramento CA 95827 941225382 501(c)(3) 8013 United in Purpose Gala Habitat for Humanity Greater Sacramento 819 North 10th St Sacramento CA 95811 680085804 501(c)(3) 8000 Habitat Playhouse program and Hard Hats/High Heels Gala-40th anniversary The University Foundation at Sac State 6000 J Street Sacramento CA 95819 943001359 501(c)(3) 5500 Basic needs center donation and CSUS Alumni BOD contribution 9 0 STUDENT SCHOLARSHIPS 3 12000 Schedule I, Part I, Line 2 Procedures for monitoring use of grant funds COMMUNITY DONATIONS AND CONTRIBUTIONS ARE REVIEWED AND APPROVED BY SAFE'S EXECUTIVE MANAGEMENT PRIOR TO DISBURSEMENT. ALL DONATIONS AND CONTRIBUTIONS ARE REPORTED TO SAFE'S BOARD OF DIRECTORS ON A QUARTERLY BASIS FOR THEIR REVIEW. X X true true X X X X true true false Faye Nabhani President/CEO 717192 0 468553 0 51984 0 48000 0 18804 0 1304533 0 0 0 Alexis Fitzpatrick EVP/CFO 394492 0 189618 0 50863 0 22770 0 2482 0 660225 0 0 0 Chris Harris FORMER KEY EMPLOYEE (TERMED 10/10/2024) 1020998 0 0 0 0 0 0 0 0 0 1020998 0 0 0 Tiffani Vargas EVP/CLO 452634 0 244660 0 53709 0 22982 0 24558 0 798543 0 0 0 Michael McCarthy SVP/CTO 391421 0 198672 0 132461 0 24500 0 22178 0 769232 0 0 0 Colleen Nerius EVP/CHRO 359776 0 170544 0 137314 0 22279 0 4184 0 694097 0 0 0 Damian Azimi Sr Mortgage Officer 1034609 0 1000 0 87 0 24500 0 37593 0 1097789 0 0 0 Gina Olson SVP/Member Services and Operations 299928 0 69083 0 1842 0 24500 0 38503 0 433856 0 0 0 Sun Park SVP/Internal Auditor Executive 302276 0 66608 0 1771 0 24500 0 22596 0 417751 0 0 0 Michelle Bradshaw SVP/Information Technology 289804 0 65760 0 1139 0 21339 0 22615 0 400657 0 0 0 Marleaux Flournoy SVP/Data & Analytics 276991 0 56412 0 1702 0 24500 0 26545 0 386150 0 0 0 Schedule J, Part I, Line 1a Travel for companions BENEFITS TO INTERESTED PERSONS INCLUDE TRAVEL-RELATED EXPENSES FOR A PARTNER OR CHILDREN OF THE BOARD DIRECTORS OR SENIOR MANAGEMENT WHO ARE ATTENDING CREDIT UNION AND FINANCIAL SERVICES INDUSTRY CONFERENCES OR EVENTS. THE FOLLOWING INDIVIDUALS RECEIVED THIS BENEFIT AND WERE ISSUED A 1099-NEC OR W-2: 1. BERNADETTE AUSTIN 2. RYAN LARKIN 3. ROBERT LOGUE 4. RICK BLUMENFELD 5. TRISH RODRIGUEZ 6. SONIA LEWIS 7. DONALD BALL 8. MARTHA LOFGREN THESE BENEFITS ARE GROSSED UP FOR TAX REPORTING PURPOSES. Schedule J, Part I, Line 1a Tax indemnification and gross-up payments THE CREDIT UNION COVERS THE ESTIMATED TAX ON REIMBURSEMENT OF TRAVEL-RELATED EXPENSES FOR A PARTNER OR CHILD OF A BOARD DIRECTOR INCURRED WHILE ATTENDING CREDIT UNION AND FINANCIAL SERVICES INDUSTRY CONFERENCES OR EVENTS. THESE BENEFITS ARE GROSSED UP FOR TAX REPORTING PURPOSES. Schedule J, Part I, Line 4a Severance or change-of-control payment INTERESTED PERSON: CHRIS HARRIS AMOUNT: $1,020,998 TERMS: COMPENSATION PAID AS A RESULT OF A SEVERANCE Schedule J, Part I, Line 4b Supplemental nonqualified retirement plan 1. The credit union's EVP/CHRO, Colleen Nerius, has a SERP in which the credit union pays a retirement benefit to the executive if certain requirements are met. The retirement benefit is treated as annual compensation, grossed up for income taxes, subject to income tax and included in Other Reportable Compensation in Schedule J, Part II. The annual amount paid in 2025 is $86,020. 2. The credit union's EVP/CTO, Michael McCarthy, has a SERP in which the credit union pays a retirement benefit to the executive if certain requirements are met. The retirement benefit is treated as annual compensation, grossed up for income taxes, subject to income tax and included in Other Reportable Compensation in Schedule J, Part II. The annual amount paid in 2025 is $81,598. 3. The credit union's EVP/CFO, Alexis Fitzpatrick, has a SERP in which the credit union pays a retirement benefit to the executive if certain requirements are met. The retirement benefit contains imputed income or economic benefit that may be subject to FICA tax withholding. If applicable, this would be included in Other Reportable Compensation in Schedule J, Part II. 4. The credit union's EVP/CLO, Tiffani Vargas, has a SERP in which the credit union pays a retirement benefit to the executive if certain requirements are met. The retirement benefit contains imputed income or economic benefit that may be subject to FICA tax withholding. If applicable, this would be included in Other Reportable Compensation in Schedule J, Part II. NA Director Cash Back Credit Card X 1350 1350 false true true NA Director Cash Back Credit Card X 70 70 false true true NA Director New Indirect Vehicle X 28792 12309 false true true NA Key Employee DMI First Mortgage X 650000 429176 false false true NA Key Employee DMI First Mortgage X 1150000 702576 false true true NA Key Employee DMI First Mortgage X 935000 623853 false false true NA Key Employee HELOC - Amortized Payment X 1264256 59337 false false true NA Director Platinum Rewards Credit Card X 7049 7049 false true true NA Director Essential Credit Card X 125 0 false true true NA Key Employee DMI First Mortgage X 295000 186330 false true true NA Key Employee New Indirect Vehicle X 71539 40847 false true true 2062897 Form 990, Part III, Line 4d OTHER PROGRAM SERVICES FINANCIAL PLANNING SERVICES, INSURANCE PRODUCTS AND THE PARTICIPATION IN MANY COMMUNITY-RELATED EVENTS AND SUPPORT OF NON-PROFIT ORGANIZATIONS. Form 990, Part VI, Line 6 Classes of members or stockholders 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 ON DEPOSITS. Form 990, Part VI, Line 7a Members or stockholders electing members of governing body 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 AS NEEDED. Form 990, Part VI, Line 7b Decisions requiring approval by members or stockholders 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 AND AS OUTLINED IN THE BYLAWS. Form 990, Part VI, Line 8b Documentation of meetings held by committees of governing body PER SAFE'S BYLAWS, THE BOARD OF DIRECTORS MAY APPOINT AN EXECUTIVE COMMITTEE OF THE BOARD OF NO FEWER THAN THREE DIRECTORS AND DELEGATE TO SUCH COMMITTEE THE POWER TO APPROVE MEMBERSHIP APPLICATIONS. WITH THE WRITTEN APPROVAL OF THE COMMISSIONER, IF DELEGATED, THE EXECUTIVE COMMITTEE MAY ACT FOR THE BOARD OF DIRECTORS IN THE PURCHASE AND SALE OF SECURITIES, INVESTMENT AND WITHDRAWAL OF FUNDS, IN BORROWING FUNDS AND IN MAKING LOANS TO OTHER CREDIT UNIONS IN ACCORDANCE WITH APPLICABLE LAW AND REGULATIONS. ALSO PER THE BYLAWS, THE ORGANIZATION HAS AN AUDIT COMMITTEE WHICH IS CHARGED WITH CERTAIN POWERS AND AUTHORITIES TO PROVIDE OVERSIGHT OF THE CREDIT UNION'S OPERATIONAL & FINANCIAL CONTROLS AND COMPLIANCE WITH REGULATIONS AND POLICIES. THE BOARD MAY DELEGATE CERTAIN AUTHORITIES TO BOARD COMMITTEES OR MANAGEMENT, IN ACCORDANCE WITH THE BYLAWS, BOARD POLICIES, AND REGULATIONS. DISCUSSIONS, DECISIONS, AND ACTIONS TAKEN BY COMMITTEES ARE DOCUMENTED IN MINUTES, IN ACCORDANCE WITH EACH COMMITTEE'S CHARTER OR POLICY. Form 990, Part VI, Line 11b Review of form 990 by governing body PREPARATION OF THE FORM 990 IS COORDINATED THROUGH THE COMPANY'S FINANCE DEPARTMENT AND THIRD-PARTY TAX PREPARER. INFORMATION IS REQUESTED FROM AND GATHERED BY SEVERAL FUNCTIONAL AREAS AND EXECUTIVE MANAGEMENT TO ASSIST IN THE COMPLETION OF THE FORM. THROUGHOUT THE PROCESS, QUESTIONS ARE DISCUSSED WITH THE TAX PREPARER AND RESOLUTIONS ARE INCORPORATED INTO THE RETURN AS APPROPRIATE. ONCE COMPLETED, EXECUTIVE MANAGEMENT REVIEWS THE FORM FOR ACCURACY AND REASONABLENESS. THE COMPLETED FORM IS THEN PRESENTED TO THE BOARD OF DIRECTORS FOR THEIR REVIEW PRIOR TO FILING. ANY QUESTIONS OR ISSUES RAISED BY THE BOARD ARE ADDRESSED AND APPROVED PRIOR TO SUBMISSION TO THE IRS. Form 990, Part VI, Line 12c Conflict of interest policy ANY INSTANCES OF A CONFLICT OF INTEREST THAT MANAGEMENT BECOMES AWARE OF IS ESCALATED TO THE EVP/CHIEF HUMAN RESOURCES OFFICER AND THE PRESIDENT/CEO. AN INVESTIGATION WOULD BE CONDUCTED TO GATHER ALL THE FACTS. THOSE FACTS WOULD BE USED TO DETERMINE THE APPROPRIATE ACTIONS THAT ARE WARRANTED. SAFE ALSO HAS A FORMAL PROCESS THAT PROVIDES EMPLOYEES A MEANS OF REPORTING ANY COMPLAINT OR INAPPROPRIATE ACTIVITIES DIRECTLY TO THE AUDIT COMMITTEE OR DIRECTLY TO OUR REGULATOR, THE CALIFORNIA DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION. LASTLY, SAFE'S INTERNAL CONTROL STRUCTURE IS DOCUMENTED, REVIEWED AND UPDATED ANNUALLY BY MANAGEMENT AND AUDITED BY ITS EXTERNAL AND INTERNAL AUDITORS. INTERNAL CONTROLS ARE A VITAL PART OF HELPING TO DETECT CONFLICTS OR INAPPROPRIATE ACTIVITY WITHIN THE ORGANIZATION. Form 990, Part VI, Line 15a Process to establish compensation of top management official ANNUALLY, SAFE REVIEWS CURRENT EXTERNAL MARKET DATA. ADJUSTMENTS MAY BE MADE AS NEEDED BASED ON THE MARKET-BASED SALARY AND THE INDIVIDUAL'S PERFORMANCE, EXPERIENCE, SKILLS, AND TIME IN THE ROLE. THIS PROCESS AFFECTS ALL LEVELS AND POSITIONS WITHIN THE ORGANIZATION. FURTHER, EXECUTIVE COMPENSATION SURVEYS ARE REVIEWED BY THE EVP/CHIEF HUMAN RESOURCES OFFICER AND ARE USED FOR COMPARISON PURPOSES TO ENSURE THAT COMPETITIVE, MARKET BASED RANGES ARE IN PLACE. FOR THE CEO, COMPENSATION IS REVIEWED AND APPROVED BY THE EXECUTIVE COMMITTEE OF THE BOARD AND A CEO COMPENSATION SALARY SURVEY IS OBTAINED AND RESEARCH IS PERFORMED TO ENSURE COMPENSATION LEVELS ARE COMPETITIVE. Form 990, Part VI, Line 15b Process to establish compensation of other employees ANNUALLY, SAFE REVIEWS CURRENT EXTERNAL MARKET DATA. ADJUSTMENTS MAY BE MADE AS NEEDED BASED ON THE MARKET-BASED SALARY AND THE INDIVIDUAL'S PERFORMANCE, EXPERIENCE, SKILLS, AND TIME IN THE ROLE. THIS PROCESS AFFECTS ALL LEVELS AND POSITIONS WITHIN THE ORGANIZATION. FURTHER, EXECUTIVE COMPENSATION SURVEYS ARE REVIEWED BY THE CHIEF HUMAN RESOURCES OFFICER AND ARE USED FOR COMPARISON PURPOSES TO ENSURE THAT COMPETITIVE, MARKET BASED RANGES ARE IN PLACE. FOR THE CEO, COMPENSATION IS REVIEWED AND APPROVED BY THE EXECUTIVE COMMITTEE OF THE BOARD AND A CEO COMPENSATION SALARY SURVEY IS OBTAINED AND RESEARCH IS PERFORMED TO ENSURE COMPENSATION LEVELS ARE COMPETITIVE. Form 990, Part VI, Line 19 Required documents available to the public GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICIES ARE NOT MADE AVAILABLE TO THE PUBLIC. ANNUAL REPORTS CONTAINING FINANCIAL RESULTS FOR THE LAST TWO FISCAL YEARS ARE PROVIDED ON SAFE'S WEBSITE. COMPLETE AUDITED FINANCIAL STATEMENTS ARE ALSO PROVIDED ON THE COMPANY'S WEBSITE ANNUALLY. LASTLY, SAFE'S REGULATORY 5300 CALL REPORTS ARE FILED QUARTERLY AND ARE AVAILABLE TO THE PUBLIC VIA NCUA'S WEBSITE Form 990, Part VIII, Line 2f Other Program Service Revenue Securities and insurance fees - Total Revenue: 4749891, Related or Exempt Function Revenue: 4703109, Unrelated Business Revenue: 46782, Revenue Excluded from Tax Under Sections 512, 513, or 514: 0;