Nonprofit · EIN 94-0362029
CREDIT UNIONS IN THE STATE OF CALIFORNIA
Also known as CENTRAL STATE CREDIT UNION
Tax-exempt · STOCKTON, CA 95202
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $10,274,246 | $10,037,495 | $236,751 | $234,502,923 | $224,610,868 | $9,892,055 |
| December 31, 2023 | 990 | $9,142,859 | $8,178,851 | $964,008 | $228,943,528 | $220,614,208 | $8,329,320 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $645,718
- of which government grants
- $645,718
- Program service revenue
- $5,848,027
- Investment income
- $3,744,501
- Net rental income
- $36,000
- Other revenue
- $36,000
Expenses
- Grants and similar amounts paid
- $0
- Benefits paid to members
- $1,525,999
- Compensation of officers, directors and key employees
- $895,931
- Other salaries and wages
- $2,473,104
- Salaries, compensation and benefits (total)
- $4,034,728
- Professional fundraising fees
- $0
- Legal fees
- $27,000
- Accounting fees
- $96,000
- Occupancy
- $778,076
- Travel
- $130,315
- Depreciation
- $286,456
Balance sheet and other
- Total assets, start of year
- $228,943,528
- Total assets, end of year
- $234,502,923
- Total liabilities, end of year
- $224,610,868
- Net assets, end of year
- $9,892,055
- Land, buildings and equipment
- $3,640,397
- Publicly traded securities
- $129,399,414
- Gross unrelated business income
- $111,379
- Gross receipts
- $10,274,246
- Employees
- 56
- Volunteers
- 14
- Year formed
- 1936
- State of legal domicile
- CA
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ANNA LO | PRESIDENT AND CEO Officer | 40 | $242,059 | $15,619 |
| BAYARDO RAMIREZ | CHIEF OPERATIONS OFFICER Officer | 40 | $206,060 | $31,445 |
| THOMAS BROWN | CHIEF INFORMATION OFFICER Officer | 40 | $165,132 | $40,521 |
| EWA LIPINSKA | CHIEF FINANCIAL OFFICER Officer | 40 | $173,876 | $21,219 |
| JANIE NHIM PHANG | CONTROLLER Highest-paid employee | 40 | $100,670 | $13,967 |
| LINDA FRONTZ | BOARD CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| RICH GARCIA | VICE CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| JAMES KIEFER | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| LORI OLSON | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| EFRAIN AGUILAR | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DOUG LINGO | DIRECTOR Trustee or director | 1 | $0 | $0 |
| STEVEN RUSSELL SR | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JOHN FRANKLIN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| PATRICK SAMSELL | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DEBORAH HALVORSON | DIRECTOR Trustee or director | 1 | $0 | $0 |
4 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| VICTORIA L NEVAREZ | DIRECTOR Trustee or director | 1 | $0 |
| MICHAEL DAVENPORT | DIRECTOR Trustee or director | 1 | $0 |
| RICHARD GOLEN | DIRECTOR Trustee or director | 1 | $0 |
| VIRGINA BERMODES | DIRECTOR Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 13 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| BENGINO MAGDALENO THRU 82523 | VP OF INFORMATION SYSTEMS Highest-paid employee | 40 | $112,483 | $12,861 |
| PATRICIA MURARIK | VP OF OPERATIONS (THRU 8/25/23) Highest-paid employee | 40 | $109,625 | $7,655 |
| ANNA LO | PRESIDENT AND CEO Officer | 40 | $85,185 | $0 |
| SCOTT M WAITE | PRESIDENT AND CEO (THRU 4/4/23) Officer | 40 | $85,073 | $0 |
| BAYARDO RAMIREZ | CHIEF OPERATIONS OFFICER Officer | 40 | $60,717 | $2,697 |
| THOMAS BROWN | CHIEF INFORMATION OFFICER Officer | 40 | $47,570 | $4,931 |
| LINDA FRONTZ | BOARD CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| RICH GARCIA | VICE CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| JAMES KIEFER | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| LORI OLSON | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| EFRAIN AGUILAR | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DOUG LINGO | DIRECTOR Trustee or director | 1 | $0 | $0 |
| STEVEN RUSSELL SR | DIRECTOR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 919 N CENTER ST, STOCKTON, CA 95202-1311
- Principal officer (990 for 2024)
- PAUL KRAMER, 919 NORTH CENTER STREET, STOCKTON, CA 95202
- Signed the 990
- PAUL KRAMER, CEO/PRESIDENT
- Phone
- (209) 444-5311
- Website
- WWW.CENTRALSTATECU.ORG
- Return prepared by
- CLIFTONLARSONALLEN LLP
California records
California keeps its own records of charities and corporations. Search them by EIN 94-0362029 or by the name CREDIT UNIONS IN THE STATE OF CALIFORNIA.
- Attorney General, Registry of Charities and Fundraisers
- Registration status and filed reports (CT-TR-1, RRF-1)
- Secretary of State, bizfile Online
- Corporation status, entity number, agent for service
- Franchise Tax Board
- Entity status letter (state tax exemption, good standing)
Mission
CENTRAL STATE CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVING 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, CENTRAL STATE CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS OWN MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.
Program accomplishments
- WE ARE IN BUSINESS TO LOAN FUNDS TO OUR MEMBERS AT LOW RATES. WE ARE A COMMUNITY-BASED CREDIT UNION SERVING OVER 15,000 MEMBERS.
- MEMBERS CAN USE OUR ELECTRONIC SERVICES 24/7 THROUGH SEVERAL DELIVERY CHANNELS, INCLUDING HOME BANKING, BILL PAY AND ATM SERVICES.
- WE HAVE AN ARRAY OF OTHER LOW COST OR NO COST SERVICES SUCH AS CHECKING ACCOUNTS, IRA ACCOUNTS AND OTHER FINANCIAL SERVICES.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 94-0362029
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1961
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 1526: CREDIT UNIONS IN THE STATE OF CALIFORNIA
- Assets (IRS master file)
- $234,502,923
- Income (IRS master file)
- $10,274,246
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $10,274,246 | $10,037,495 | $234,502,923 | IRS |
| 990 | December 2023 | $9,142,859 | $8,178,851 | $228,943,528 | XML |
| 990 | December 2022 | $8,378,360 | $6,984,054 | $239,083,706 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 94-0362029).
Questions about CREDIT UNIONS IN THE STATE OF CALIFORNIA
- What is the EIN of CREDIT UNIONS IN THE STATE OF CALIFORNIA?
- The employer identification number (EIN) of CREDIT UNIONS IN THE STATE OF CALIFORNIA is 94-0362029.
- Is CREDIT UNIONS IN THE STATE OF CALIFORNIA tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1961.
- Are donations to CREDIT UNIONS IN THE STATE OF CALIFORNIA tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does CREDIT UNIONS IN THE STATE OF CALIFORNIA file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of CREDIT UNIONS IN THE STATE OF CALIFORNIA due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did CREDIT UNIONS IN THE STATE OF CALIFORNIA last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of CREDIT UNIONS IN THE STATE OF CALIFORNIA?
- The 990 for the year ended December 31, 2024 names PAUL KRAMER.
- Who are the officers and directors of CREDIT UNIONS IN THE STATE OF CALIFORNIA?
- The 990 for the year ended December 31, 2024 lists 19 people; 5 received compensation from the organization, the highest $242,059 (ANNA LO, PRESIDENT AND CEO).
- How much revenue does CREDIT UNIONS IN THE STATE OF CALIFORNIA have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $10,274,246, expenses of $10,037,495 and total assets of $234,502,923 at year end.
Other nonprofits in STOCKTON
- UNIVERSITY OF THE PACIFIC EIN 94-1156266 · last filed 990 for 2025
- VALLEY MOUNTAIN REGIONAL CENTER INC EIN 94-2251069 · last filed 990 for 2025
- NORTHERN CALIFORNIA GENERAL TEAMSTERS SECURITY FUND EIN 94-6073033 · last filed 990 for 2025
- COMMUNITY MEDICAL CENTERS INC EIN 94-2437106 · last filed 990 for 2025
- DAMERON HOSPITAL ASSOCIATION EIN 94-1201197 · last filed 990 for 2024
- FAMILY RESOURCE & REFERRAL CENTER OF SAN JOAQUIN EIN 94-1691503 · last filed 990 for 2025
- TEAMSTERS RETIREE TRUST EIN 68-6097704 · last filed 990 for 2025
- MANIFEST MEDEX EIN 27-2367522 · last filed 990 for 2024