2024-10-22T19:28:06-05:00 2023-12-31 954083485 TURNER WARREN HWANG & CONRAD ACCTCY 100 NORTH FIRST ST STE 202 BURBANK CA 91502 990 2023-01-01 941651781 TECHNOLOGY CREDIT UNION TECH 4084519111 2010 NORTH FIRST STREET SUITE 301 SAN JOSE CA 95131 RICHARD HANZ EVP/CFO 4084373782 2024-10-18 1 1 VALENTINO CREUS CPA P01054153 8189549700 2023 2024-10-15 13:58:12Z TODD HARRIS 2010 NORTH FIRST STREET SUITE 301 SAN JOSE CA 95131 235250527 0 X WWW.TECHCU.COM X CREDIT UNION 1960 CA A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. 11 10 369 15 3226101 1034519 0 0 163656583 201781629 27917177 32926101 4705930 542797 196279690 235250527 43467 29623 0 0 46920995 53685365 0 0 0 90604418 165066083 137568880 218781071 58710810 16469456 4544569780 4826094258 4154677687 4415404493 389892093 410689765 X TECHNOLOGY CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, TECHNOLOGY CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. 0 0 DURING 2023 TECHNOLOGY CREDIT UNION HAD 169,002 MEMBERS WITH 434 MEMBER COMPANIES. TO ENHANCE MEMBERS' EASY ACCESS ANYWHERE AND ANYTIME AT NO COST TO THE MEMBERS, TECH CU PROVIDES ONLINE BANKING SERVICES. SOME OF THE FEATURES ARE THE ABILITY TO VIEW ACCOUNT BALANCES, VIEW OR DOWNLOAD ACCOUNT HISTORY, VIEW IMAGES OF CLEARED CHECKS AND VIEW PENDING TRANSACTIONS. ALSO, MEMBERS HAVE THE PRIVILEGE TO MAKE OR SCHEDULE PAYMENTS FOR TRANSFER BETWEEN TECH CU ACCOUNTS OR OTHER FINANCIAL INSTITUTIONS. MEMBERS CAN ALSO PAY THEIR BILLS USING THE TECH CU BILL PAY ONLINE. THE ONLINE BANKING SERVICES ENABLE MEMBERS TO MANAGE THEIR ACCOUNT(S) CONVENIENTLY FROM RECEIVING EMAIL ALERTS ON THE ACCOUNT ACTIVITY TO PLACING A STOP PAYMENT ON AN OUTGOING CHECK. MEMBERS CAN UPDATE THEIR PROFILE AND GAIN ACCESS TO A SECURED EMAIL. TECH CU ONLINE BANKING USES THE MOST ADVANCED ENCRYPTION STANDARDS TO PROTECT ACCOUNTS AND TO CONDUCT FINANCIAL BUSINESS. THE INNOVATIVE LOGIN SECURITY SYSTEM ENSURES PERSONAL ACCESS AND SECURITY OF ACCOUNT INFORMATION. TECHNOLOGY CREDIT UNION PROVIDES ATM (AUTOMATED TELLER MACHINE) SERVICES TO MEMBERS. MEMBERS CAN ACCESS THEIR BANK ACCOUNT IN ORDER TO MAKE CASH WITHDRAWALS (OR CREDIT CARD CASH ADVANCES) AND CHECK ACCOUNT BALANCES CONVENIENTLY IN A PUBLIC SPACE WITHOUT THE NEED FOR A HUMAN CLERK OR BANK TELLER. TECHNOLOGY CREDIT UNION PRIVATE BANKING IS A PERSONALIZED SERVICE PROGRAM DESIGNED SPECIFICALLY FOR THEIR MOST FINANCIALLY SUCCESSFUL MEMBERS. PRIVATE BANKING MEMBERS ARE ASSIGNED TO A PRIVATE BANKING MANAGER, AN EXPERIENCED CREDIT UNION PROFESSIONAL, WHO SERVES AS PERSONAL RESOURCE AND POINT OF CONTACT FOR ALL THEIR FINANCIAL SERVICES NEEDS. THE PRIVATE BANKING MANAGERS PROVIDE PERSONAL, RESPONSIVE, PROFESSIONAL, AND FRIENDLY SERVICE WHILE ENSURING THE SECURITY AND CONFIDENTIALITY OF EVERY FINANCIAL TRANSACTION. THEY ALSO ACT AS LIAISONS, CONNECTING THEIR MEMBERS WITH THE BEST FINANCIAL EXPERTS IN INVESTING, REAL ESTATE LENDING AND CONSUMER LENDING. IN ADDITION, PRIVATE BANKING MEMBERS ARE ENTITLED TO A WEALTH OF BENEFITS INCLUDING ESTATE PLANNING AND TRUST SERVICES AT A SPECIALLY DISCOUNTED RATE, TAX PLANNING AND PREPARATION, LOAN RATE DISCOUNTS AND PRIORITY PROCESSING OF ALL LOANS, SPECIAL PRIVATE BANKING SEMINARS AND EVENTS, EXCLUSIVE PRIVATE BANKING NEWSLETTER, AND PREFERRED RATE MEMBERSHIP TO THE SILICON VALLEY CAPITAL CLUB. TECHNOLOGY CREDIT UNION HAS ALSO MOVED FROM CETERA TO LPL FINANCIAL SERVICES TO PROVIDE BETTER INVESTMENT OPTIONS FOR ITS MEMBERS. TECHNOLOGY CREDIT UNION OFFERS BUSINESS MEMBERS A WIDE RANGE OF PRODUCTS (SUCH AS BUSINESS SAVINGS ACCOUNT, BUSINESS MONEY MARKET ACCOUNTS, BUSINESS MONEY MARKET PLUS ACCOUNT, BUSINESS BASIC CHECKING, BUSINESS INTEREST CHECKING, BUSINESS CERTIFICATES, BUSINESS CHECK CARDS, BUSINESS AUTO LOAN, BUSINESS LINE OF CREDIT, BUSINESS CREDIT CARD - FIRST NATIONAL BANK OF OMAHA, AND SBA LOANS) AND TOOLS NEEDED TO MANAGE BUSINESS TRANSACTIONS AND ACHIEVE THEIR BUSINESS FINANCIAL GOALS.IN ADDITION, TECH CU PROVIDES INVESTMENT SERVICES TO MEMBERS WITH PRODUCTS SUCH AS SECURITIES, BONDS, INSURANCE, IRA, 527 PLANS, AND MORE. THERE IS ALSO THE RELATIONSHIP REWARDS PROGRAM THAT REWARDS MEMBERS FOR DOING BUSINESS WITH TECH CU. 0 0 1 0 0 0 0 0 0 1 0 1 0 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 1 0 0 0 1 38564 0 1 369 1 1 1 0 0 0 0 0 0 0 0 0 X 11 10 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 CA X X NATALIA LAU SVP CORPORATE CONTROLLER 4084676928 2010 NORTH FIRST STREET SUITE 301 SAN JOSE CA 95131 MICAL BRENZEL CHAIRMAN 3.00 X 12102 0 0 BARBARA KAMM VICE CHAIRMAN 3.00 1.00 X 12449 0 0 KIRK BLOEDE DIRECTOR 3.00 X 5049 0 0 MADONNA BOLANO DIRECTOR 3.00 X 13145 0 0 KAREN BROCHIER DIRECTOR 3.00 X 17710 0 0 PETER DONAHOWER DIRECTOR 3.00 X 5694 0 0 ROBERT R HERB DIRECTOR 3.00 X 16581 0 0 DEEPTI JAGGI DIRECTOR 3.00 X 0 0 0 SUNIL NAGDEV DIRECTOR 3.00 X 2947 0 0 CAROL MACKINLAY DIRECTOR 3.00 X 0 0 0 JOE SHEPELA FORMER DIRECTOR 3.00 X 9548 0 0 JEFF LEE SUPV CMTE CHAIRMAN 2.00 X 8610 0 0 FIRASAT ALI SUPV CMTE MEMBER 1.50 X 14369 0 0 JESSICA CASSINELLI SUPV CMTE MEMBER 1.50 X 0 0 0 FAISAL JEDDY SUPV CMTE MEMBER 1.50 X 4974 0 0 BOB LUONG SUPV CMTE MEMBER 1.50 X 5723 0 0 TODD HARRIS CEO, SECRETARY/TREASURER 40.00 X X 1014556 0 65099 JEANNINE M JACOBSEN EVP, CHIEF OPERATING OFFICER 40.00 X 506317 0 35001 RICHARD HANZ EVP, CHIEF FINANCIAL OFFICER 40.00 X 471211 0 65315 SUNDER SRINIVASAN EVP, CHIEF INFORMATION OFFICER 40.00 X 459926 0 64419 ROBERT REED EVP, CHIEF RETAIL BANKING OFFICER 40.00 X 454011 0 18092 JOSEPH ANZALONE EVP, CHIEF COMMERCIAL BANKING OFFICER 40.00 X 421947 0 64435 DOUGLAS STOVELAND EVP, CHIEF CREDIT OFFICER 40.00 X 401232 0 65401 FAWZIA SARWAR-SHAYEK SVP, RETAIL BANKING 40.00 X 312633 0 48430 M ANGELES HERNANDEZ SVP, HEAD OF EMERGING RETAIL LENDING 40.00 X 301610 0 31838 FRANCA LOVELACE HEAD OF ENTERPRISE RISK MANAGEMENT 40.00 X 289634 0 39712 NATALIA LAU SVP, CONTROLLER 40.00 X 266338 0 18298 JEANNINE L CREIGHTON-BOETTCHER HEAD OF HUMAN RESOURCES & CORPORATE SERVICES 40.00 X 268792 0 49626 JOSHUA BLUHM SVP, HEAD OF RETAIL CREDIT RISK & OPERATIONS 40.00 X 258845 0 29531 FRED D ABAJELO SR. FINANCIAL ADVISOR 40.00 X 553340 0 33649 NIKI WONG SVP, COMMERCIAL/SBA LENDING & OPERATIONS MANAGER 40.00 X 291518 0 44612 SHOU MEI TERESA WU SVP, COMMERCIAL CREDIT ADMINISTRATION 40.00 X 289663 0 38548 HENRY S NOON IV SVP HEAD OF ASSET-BASED LENDING 40.00 X 273205 0 65892 AZAD RAD SVP WEALTH MANAGEMENT 40.00 X 269918 0 60019 7233597 0 837917 165 0 1 0 SUNLIGHT FINANCIAL LLC 234 W 39TH ST 7TH FLOOR NEW YORK NY 10018 SUNLIGHT MONITORING FEE 2029272 HASSO PLATTNER DBA SAN JOSE SHARKS LLC 525 WEST SANTA CLARA STREET SAN JOSE CA 95113 LICENSE FEE 1248935 CROWE LLP 320 EAST JEFFERSON BOULEVARD SOUTH BEND IN 46624 AUDIT SERVICE 937414 JOSEPH & COHEN PROFESSIONAL SERVICES 1853 MARKET STREET SAN FRANCISCO CA 94103 LEGAL 636370 FINANCIAL NORTHEASTERN SECURITIES INC 100 PASSAIC AVENUE FAIRFIELD NJ 07004 INVESTMENT SERVICES 315611 12 INTEREST ON LOANS 522100 189385210 186780188 2605022 OTHER OPERATING INCOME 522100 8663444 8662978 466 FEE INCOME 522100 3732975 3112362 620613 201781629 32926101 32926101 OTHER NON-OPERATING IN 522100 314579 314579 GAIN ON SALES OF LOANS 522100 228218 228218 542797 235250527 232024426 3226101 0 29623 7233597 34690264 4591724 4365580 2804200 1575201 442750 8837067 4670381 6773541 8412835 3446837 217275 105312735 2893681 91569 PROVISION FOR LOAN & LE 16590238 LOAN SERVICING EXPENSE 4394014 MISCELLANEOUS OPERATING 954140 OPERATING FEES 438122 15697 218781071 14093862 8210298 124967429 590887498 24303856 24509472 513384 556824 57883429 36112377 21043640 21771052 683102818 616064532 3627119857 3521883119 49424934 42211463 4544569780 4826094258 41608275 56604928 4113069412 4358799565 4154677687 4415404493 X 0 0 0 0 389892093 410689765 389892093 410689765 4544569780 4826094258 X 16469456 9771054 -5442838 X X 0 1 X 1 0 15723 15723 15723 1 CCUL 2855 EGUASTI ROAD SUITE 202 ONTARIO CA 91761 940357265 15723 5882284 5882284 12996056 9541249 3454807 12231426 8028759 4202667 23458633 18542369 4916264 3315030 3315030 21771052 ALL OTHER INVESTMENTS 17250000 F NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT 26592772 C LOANS & LEASES 3478040347 F 3521883119 MEMBERS SHARES 3698667368 ACCRUED DIVIDENDS & INTEREST PAYABLE 12967761 BORROWINGS 647164436 4358799565 X PART X, LINE 2: THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL AND STATE INCOME TAXES, EXCEPT FOR TAXES ON UNRELATED BUSINESS INCOME. THE CUSO IS A SINGLE MEMBER LIMITED LIABILITY COMPANY WHOSE PROFITS FLOW THROUGH TO THE MEMBER AND IS SUBJECT TO THE STATE OF CALIFORNIA LIMITED LIABILITY COMPANY ANNUAL FEE AND GROSS RECEIPTS TAX. FASB ASC 740-10-65, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE CONSOLIDATED FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE "MORE LIKELY THAN NOT" OF BEING SUSTAINED "WHEN CHALLENGED OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS DEEMED TO NOT MEET THE MORE-LIKELY-THAN-NOT THRESHOLD SHOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEARS ENDED DECEMBER 31, 2023 AND 2022, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS REQUIRING RECOGNITION IN THE CONSOLIDATED FINANCIAL STATEMENTS. X 1 1 X X X X 0 1 0 TODD HARRIS CEO, SECRETARY/TREASURER 703670 0 274750 0 36136 0 16500 0 48599 0 1079655 0 0 0 JEANNINE M JACOBSEN EVP, CHIEF OPERATING OFFICER 353980 0 131250 0 21087 0 16500 0 18501 0 541318 0 0 0 RICHARD HANZ EVP, CHIEF FINANCIAL OFFICER 343517 0 123500 0 4194 0 16500 0 48815 0 536526 0 0 0 SUNDER SRINIVASAN EVP, CHIEF INFORMATION OFFICER 377345 0 76750 0 5831 0 16500 0 47919 0 524345 0 0 0 ROBERT REED EVP, CHIEF RETAIL BANKING OFFICER 328577 0 115000 0 10434 0 16500 0 1592 0 472103 0 0 0 JOSEPH ANZALONE EVP, CHIEF COMMERCIAL BANKING OFFICE 297159 0 111000 0 13788 0 12635 0 51800 0 486382 0 0 0 DOUGLAS STOVELAND EVP, CHIEF CREDIT OFFICER 286978 0 102500 0 11754 0 16500 0 48901 0 466633 0 0 0 FAWZIA SARWAR-SHAYEK SVP, RETAIL BANKING 241839 0 60000 0 10794 0 15657 0 32773 0 361063 0 0 0 M ANGELES HERNANDEZ SVP, HEAD OF EMERGING RETAIL LENDING 240375 0 55250 0 5985 0 14911 0 16927 0 333448 0 0 0 FRANCA LOVELACE HEAD OF ENTERPRISE RISK MANAGEMENT 220157 0 60750 0 8727 0 14734 0 24978 0 329346 0 0 0 NATALIA LAU SVP, CONTROLLER 206604 0 50000 0 9734 0 13185 0 5113 0 284636 0 0 0 JEANNINE L CREIGHTON-BOETTCHER HEAD OF HUMAN RESOURCES & CORPORATE 211412 0 52250 0 5130 0 13655 0 35971 0 318418 0 0 0 JOSHUA BLUHM SVP, HEAD OF RETAIL CREDIT RISK & OP 228811 0 28750 0 1284 0 12996 0 16535 0 288376 0 0 0 FRED D ABAJELO SR. FINANCIAL ADVISOR 97244 0 448552 0 7544 0 16500 0 17149 0 586989 0 0 0 NIKI WONG SVP, COMMERCIAL/SBA LENDING & OPERAT 225887 0 59700 0 5931 0 14766 0 29846 0 336130 0 0 0 SHOU MEI TERESA WU SVP, COMMERCIAL CREDIT ADMINISTRATIO 228213 0 52750 0 8700 0 14469 0 24079 0 328211 0 0 0 HENRY S NOON IV SVP HEAD OF ASSET-BASED LENDING 213774 0 58500 0 931 0 14263 0 51629 0 339097 0 0 0 AZAD RAD SVP WEALTH MANAGEMENT 211641 0 53400 0 4877 0 13927 0 46092 0 329937 0 0 0 PART I, LINE 4B THE CREDIT UNION PROVIDES A SPLIT-DOLLAR LIFE INSURANCE BENEFIT TO MEMBERS OF THE EXECUTIVE MANAGEMENT TEAM. UNDER THE AGREEMENT, THE CREDIT UNION MAKES LOANS TO THE EXECUTIVES EQUAL TO THE LIFE INSURANCE POLICY PREMIUMS. THE EXECUTIVES ASSIGN THE INSURANCE POLICIES TO THE CREDIT UNION AS COLLATERAL FOR REPAYING THE PREMIUMS AND BORROW FROM THE POLICY TO SUPPLEMENT RETIREMENT INCOME. THE CREDIT UNION IS REPAID FROM THE POLICIES' DEATH PROCEEDS. INTEREST ACCRUES ON THE LOANS AT THE APPLICABLE FEDERAL RATE AT THE TIME OF FUNDING OF THE RESTRICTED PREMIUM FUNDING ACCOUNT, WHICH IS USED TO PAY FUTURE ANNUAL PREMIUMS ON THE LIFE INSURANCE POLICIES. THE CREDIT UNION RECORDS A LOAN RECEIVABLE AT THE LESSER OF THE CASH SURRENDER VALUE OF THE POLICIES OR THE LOAN AMOUNT PLUS ACCRUED INTEREST. AS OF DECEMBER 31, 2023 AND 2022, THE BALANCE OF THE LOAN TO THE EXECUTIVE UNDER THIS ARRANGEMENT, NET OF APPLICABLE ALLOWANCES, WAS APPROXIMATELY $20,556,000 AND $22,815,000, RESPECTIVELY. JOSEPH ANZALONE OFFICER FUND PURCHASE OF CASH VALUE LIFE INSURANCE POLICY X 6037500 6266959 0 1 1 RICHARD HANZ OFFICER 1ST MORTGAGE X 515000 341977 0 1 1 FRANCA LOVELACE KEY EMPLOYEE 1ST MORTGAGE X 550000 288823 0 0 1 TODD HARRIS OFFICER FUND PURCHASE OF CASH VALUE LIFE INSURANCE POLICY X 7297574 7592042 0 1 1 FAWZIA SARWAR-SHAYEK KEY EMPLOYEE USED AUTO INDIRECT X 34770 19697 0 1 1 RICHARD HANZ OFFICER FUND PURCHASE OF CASH VALUE LIFE INSURANCE POLICY X 3726000 3867609 0 1 1 JEANNINE JACOBSEN OFFICER FUND PURCHASE OF CASH VALUE LIFE INSURANCE POLICY X 2469894 2576061 0 1 1 ROBERT REED OFFICER FUND PURCHASE OF CASH VALUE LIFE INSURANCE POLICY X 3411860 3541530 0 1 1 HENRY S NOON HCE USED AUTO INDIRECT X 33207 14774 0 0 1 24509472 FORM 990, PART VI, SECTION A, LINE 6 TECHNOLOGY CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS, AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. TECHNOLOGY CREDIT UNION DOES NOT HAVE STOCKHOLDERS. FORM 990, PART VI, SECTION A, LINE 7A THE GOVERNING BOARD OF TECHNOLOGY CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY OUR BY-LAWS. FORM 990, PART VI, SECTION A, LINE 7B AT THE END OF EACH TERM OF THE BOARD MEMBERS, ELECTIONS ARE HELD AND BOARD MEMBERS ARE VOTED BY THE MEMBERS OF THE CREDIT UNION PURSUANT TO ITS BY-LAWS. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION. FORM 990, PART VI, SECTION B, LINE 11B THE ORGANIZATION HAS THE REVIEW OF THE FORM 990 PERFORMED BY THE SVP, CORPORATE CONTROLLER AND THE CFO. FORM 990, PART VI, SECTION B, LINE 12C ALL EXECUTIVES ARE REQUIRED TO COMPLETE THE NEW BANK BRIBERY ACT FORM THAT COVERS CONFICTS OF INTEREST. IF A CONFLICT OF INTEREST IS DISCLOSED DURING THIS PROCESS FOR A BOARD MEMBER, THE BOARD MEMBER IS ASKED TO ABSTAIN FROM VOTING ON THE ISSUE AT HAND. FORM 990, PART VI, SECTION B, LINE 15 THE BOARD COMPENSATION COMMITTEE RECOMMENDS AND APPROVES COMPENSATION FOR THE CEO ON AN ANNUAL BASIS. DURING THIS PROCESS THEY REVIEW COMPARABILITY DATA BASED ON SIMILAR-SIZED CREDIT UNIONS, USING BENCHMARKED DATA PROVIDED BY A THIRD-PARTY CONSULTING FIRM AND SALARY SURVEYS, AND GEOGRAPHIC PAY DIFFERENTIALS ARE TAKEN INTO CONSIDERATION. FOR OTHER OFFICERS OF THE CREDIT UNION, COMPENSATION IS ALSO DETERMINED NOT JUST BASED ON PERFORMANCE, BUT BASED ON BENCHMARKED DATA PROVIDED BY A THIRD-PARTY CONSULTING FIRM AND SALARY SURVEYS, ADJUSTED FOR GEOGRAPHIC PAY DIFFERENTIALS. FORM 990, PART VI, SECTION C, LINE 19 THE MONTHLY FINANCIAL STATEMENTS ARE POSTED IN ALL BRANCH LOCATIONS. ALL OTHER DOCUMENTS ARE AVAILABLE UPON REQUEST. FORM 990, PART XI, LINE 9: CECL TRANSITIONAL AMOUNT (AS DETERMINED UNDER 702.703(B)) -5,442,838. FORM 990, PART XII, LINE 2C: THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. TECH CAPITAL LLC 2010 NORTH FIRST STREET SUITE 301 SAN JOSE CA 95131 473267903 FINANCIAL SERVICES CA 3455533 26137913 TECHNOLOGY CREDIT UNION TECH SMART FINANCE LLC 2010 NORTH FIRST STREET SUITE 301 SAN JOSE CA 95131 824781548 FINANCIAL SERVICES CA 0 0 TECHNOLOGY CREDIT UNION