2025-11-17T16:30:10-08:00 2024-12-31 RICHARDS & ASSOCIATES 21520 YORBA LINDA BLVD G-516 YORBA LINDA CA 92887 990 2024-01-01 953597368 North County Credit Union NORT 8584871880 PO Box 289014 San Diego CA 92198 Gary Sisk CEO 2025-11-17 true true Richards Associates CPAs P01070543 7142876713 2024 2025-03-06 01:10:19Z Gary Sisk PO Box 289014 San Diego CA 921989014 2692308 false X www.northcountycu.org X 1953 CA Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of North County Credit Union. 7 7 8 12 7449 0 1230752 1245913 740329 997984 416409 448411 2387490 2692308 0 423458 775729 962094 802002 0 0 964090 1032425 2349642 2610156 37848 82152 65040107 71407607 60108308 65476767 4931799 5930840 Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of North County Credit Union. false false Provided deposit and loan accounts to 2,663 members. Provided low cost source of credit and low cost financial services to our members. Provided source of member savings and checking account needs. false false false false false false false false false true false true true true false false false false false false false false false false false false false false true false false false false false false false false false false false false false false true 1 0 true 8 true true true false false false false false false false false false false X 7 7 false false false false true true true true true false false true true true false true true true true false X X Gary Sisk 8584871880 PO Box 289014 San Diego CA 921989014 Gary Sisk CEO 40.00 0.00 X 160640 0 0 Allen Arvizu CFO 40.00 0.00 X 135339 0 0 Gary Williams CIO 40.00 0.00 X 108028 0 0 Gerald Mikas Director 0.50 0.00 X 0 0 0 Mike Danileski Director 0.50 0.00 X 0 0 0 Torrin James Director 0.50 0.00 X 0 0 0 Glenn Hachadorian Director 0.50 0.00 X 0 0 0 Judy Boyles Secretary 0.50 0.00 X 0 0 0 Chris Russo BOARD CHAIRMAN 0.50 0.00 X 0 0 0 Louann Schloss Treasurer 0.50 0.00 X 0 0 0 404007 3 false true false 0 0 Interest on Loans 1245913 1245913 1245913 997984 997984 0 0 0 0 0 0 0 FEE INCOME 85068 85068 Other non-interest income 248642 241193 7449 Other Operating Income 108889 108889 5812 5812 448411 2692308 2684859 7449 X 0 0 0 775729 404007 0 397995 0 0 0 0 0 0 0 0 0 534437 29828 217513 0 0 117888 6729 0 0 2772 0 0 0 Misc Operating Expense 41234 Provision for Loan Loss 34000 Loan servicing 31560 Operating fees 11326 5138 2610156 0 0 0 347497 279416 1615109 5996200 0 0 0 0 25488724 23724098 0 0 1658042 1075615 631126 582427 0 0 32251596 35176038 0 4706055 5649428 65040107 71407607 468806 660932 59639502 64815835 60108308 65476767 X 4931799 5930840 4931799 5930840 65040107 71407607 X 82152 916889 X false true X true false 220000 220000 940949 674327 266622 255762 193830 61932 122727 115162 7565 118604 92296 26308 582427 35176038 Adjustment -3001 NCUA Share Insurance Capitalization Depo 584996 other assets 5067433 5649428 IRA/KEOGH Accounts 5080337 Money Market Shares 4867854 Regular Shares 21672694 Share Certificates 17977967 Share Drafts 15216983 64815835 false false false Gary Sisk CEO 160640 160640 Form 990, Part VI, Section A, Line 6 Members consists mainly of individuals who live, work, study, or worship in Inland North County in San Diego County, California and their qualifying family members Form 990, Part VI, Section A, Line 7a Members can elect one or more members of the Board. Form 990, Part VI, Section A, Line 7b Decisions of the governing body are not subject to approval by members but members have the power to vote in a different board at each annual meeting. Form 990, Part VI, Section B, Line 11b THE RETURN PREPARER E-MAILS A DRAFT OF THE FORM 990 TO A DESIGNATED OFFICER AND/OR CEO OF THE CREDIT UNION FOR REVIEW. THE DESIGNATED OFFICER AND/OR CEO SENDS A COPY TO THE BOARD OF DIRECTOR (S). THE DESIGNATED INDIVIDUAL(S) REVIEW THE DRAFT AND PRESENT ANY QUESTIONS, COMMENTS, OR CORRECTIONS TO THE RETURN PREPARER. UPON SATISFACTORY COMPLETION OF THE FORM 990, THE ORGANIZATION'S AUTHORIZED INDIVIDUAL SIGNS THE APPROPRIATE SIGNATURE FORM(S) TO AUTHORIZE THE ELECTRONIC FILING OF THE RETURN. A COPY OF THE FORM 990, AS FILED, IS PROVIDED BY THE RETURN PREPARER TO THEORGANIZATION'S CEO OR OTHER DESIGNATED INDIVIDUAL(S). Form 990, Part VI, Section B, Line 15a Review by the Board Form 990, Part VI, Section B, Line 15b Annual Review Form 990, Part VI, Section C, Line 19 Governing documents are provided upon request. Form 990, Part XI, Line 9 Accumulated Unrealized Gains on Available for Sale Debt Secu = $415322 Form 990, Part XI, Line 9 Increase in other comprehensive income = $501567