Nonprofit · EIN 94-1287157
CREDIT UNIONS IN THE STATE OF CALIFORNIA
Also known as COAST CENTRAL CREDIT UNION
Tax-exempt · EUREKA, CA 95501
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $101,189,826 | $87,077,522 | $14,112,304 | $2,183,365,831 | $2,007,679,607 | $175,686,224 |
| December 31, 2023 | 990 | $85,336,490 | $73,508,824 | $11,827,666 | $2,050,365,109 | $1,894,048,238 | $156,316,871 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $68,120,652
- Investment income
- $33,011,551
- Net rental income
- $57,623
- Net gain from sales of assets
- $1,124,478
- Other revenue
- $57,623
Expenses
- Grants and similar amounts paid
- $350,471
- Compensation of officers, directors and key employees
- $2,012,336
- Other salaries and wages
- $18,162,315
- Salaries, compensation and benefits (total)
- $26,261,360
- Professional fundraising fees
- $0
- Legal fees
- $83,076
- Accounting fees
- $312,326
- Occupancy
- $1,578,369
- Travel
- $89,935
- Depreciation
- $4,175,018
Balance sheet and other
- Total assets, start of year
- $2,050,365,109
- Total assets, end of year
- $2,183,365,831
- Total liabilities, end of year
- $2,007,679,607
- Net assets, end of year
- $175,686,224
- Land, buildings and equipment
- $24,314,545
- Gross unrelated business income
- $224,996
- Gross receipts
- $101,231,064
- Employees
- 338
- Volunteers
- 102
- Year formed
- 1950
- 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 |
|---|---|---|---|---|
| JAMES SESSA | FORMER PRESIDENT/CEO Officer | 40 | $1,046,600 | $74,684 |
| FRED MOORE | PRESIDENT/CEO Officer | 40 | $561,355 | $77,601 |
| ROBERT MOORE | VP/CHIEF CREDIT OFFICER Highest-paid employee | 40 | $369,800 | $58,561 |
| VAUGHN PETERSON | VP/INFORMATION SVCS Highest-paid employee | 40 | $313,004 | $35,038 |
| ANN JADRO-BETTIGA | VP/HUMAN RESOURCES Highest-paid employee | 40 | $274,137 | $63,641 |
| KRISTIN KUXHAUSEN | VP/OPERATIONS Highest-paid employee | 40 | $273,050 | $47,929 |
| JASMIN GAMMEL | VP/MEMBER DIGITAL SERVICES Highest-paid employee | 40 | $236,699 | $45,354 |
| MANDY MARQUEZ | SR. AVP/BUSINESS SERVICES Key employee | 40 | $172,834 | $37,655 |
| DANIELLE GRUBER | CHIEF FINANCIAL OFFICER Officer | 40 | $41,607 | $0 |
| JOHN GLADDING | FORMER TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| REES HUGHES | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DENISE JONES | VICE CHAIRPERSON Trustee or director, Officer | 2 | $0 | $0 |
| BRENDAN MCKENNY | TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| TERRY MEIERDING | DIRECTOR Trustee or director | 1 | $0 | $0 |
| RONALD RUDEBOCK | CHAIRPERSON Trustee or director, Officer | 2 | $0 | $0 |
3 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| DANE VALADAO | DIRECTOR Trustee or director | 1 | $0 |
| MATT WAKEFIELD | DIRECTOR Trustee or director | 1 | $0 |
| KELLY WALSH | SECRETARY Trustee or director, Officer | 2 | $0 |
990 for the year ended December 31, 2023: 20 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JAMES SESSA | PRESIDENT/CEO Officer | 40 | $1,126,292 | $76,487 |
| FRED MOORE | EVP/CFO Officer | 40 | $451,072 | $61,179 |
| ROBERT MOORE | VP/CHIEF CREDIT OFFICER Highest-paid employee | 40 | $350,475 | $57,506 |
| ANN JADRO-BETTIGA | VP/HUMAN RESOURCES Highest-paid employee | 40 | $269,042 | $67,402 |
| VAUGHN PETERSON | VP/INFORMATION SVCS Highest-paid employee | 40 | $295,110 | $16,866 |
| KRISTIN KUXHAUSEN | VP/OPERATIONS Highest-paid employee | 40 | $260,989 | $49,572 |
| JOHN GRACYALNY | VP/MEMBER DIGITAL SERVICES Highest-paid employee | 40 | $208,558 | $48,173 |
| ROBIN BAILIE | FORMER SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| LOUIS BUCHER | FORMER DIRECTOR Trustee or director | 1 | $0 | $0 |
| JOHN GLADDING | TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| REES HUGHES | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DENISE JONES | VICE CHAIRPERSON Trustee or director, Officer | 2 | $0 | $0 |
| BRENDAN MCKENNY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| TERRY MEIERDING | DIRECTOR Trustee or director | 1 | $0 | $0 |
| PETER PENNEKAMP | FORMER DIRECTOR Trustee or director | 1 | $0 | $0 |
| RONALD RUDEBOCK | CHAIRPERSON Trustee or director, Officer | 2 | $0 | $0 |
| KLARK SWAN | FORMER DIRECTOR Trustee or director | 1 | $0 | $0 |
| DANE VALADAO | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MATT WAKEFIELD | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KELLY WALSH | DIRECTOR/SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 2650 HARRISON AVE, EUREKA, CA 95501-3223
- Mailing address (990-N for 2023)
- PO Box 2062, McKinleyville CA 95519
- Principal officer (990 for 2024)
- FRED MOORE, 2650 HARRISON AVENUE, EUREKA, CA 95501
- Signed the 990
- DANIELLE GRUBER, VP/CFO
- Phone
- (707) 445-8801
- Website
- WWW.COASTCCU.ORG
- Return prepared by
- RSM US LLP
California records
California keeps its own records of charities and corporations. Search them by EIN 94-1287157 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
COAST CENTRAL CREDIT UNION'S MISSION IS TO BE THE PRIMARY FINANCIAL INSTITUTION FOR MEMBERS BY PROVIDING HIGH QUALITY FINANCIAL SERVICES AT COMPETITIVELY FAVORABLE RATES CONSISTENT WITH MAINTAINING FINANCIAL STRENGTH.
Program accomplishments
- COAST CENTRAL CREDIT UNION PROVIDES A RANGE OF DEPOSIT SERVICES TO ITS APPROXIMATELY 78,000 MEMBERS. THESE INCLUDE SAVINGS, CHECKING, MONEY MARKET, AND SAVINGS CERTIFICATE ACCOUNTS. SERVICES CAN BE ACCESSED THROUGH OUR 11 MEMBER SERVICES BRANCHES, ONLINE, BY PHONE, OR THROUGH A LARGE NETWORK OF ATMS.
- COAST CENTRAL CREDIT UNION OFFERS MANY DIFFERENT LOAN PRODUCTS. THESE INCLUDE CREDIT CARDS, CONSUMER PERSONAL, AUTO, AND RV LOANS; REAL ESTATE PURCHASE, REFINANCE, AND HOME EQUITY LINES-OF-CREDIT; AND MEMBER BUSINESS LOANS. LOAN DECISIONS ARE MADE LOCALLY WITH KNOWLEDGE OF LOCAL CONDITIONS AND THE CREDIT UNION MEMBERS THEMSELVES.
- COAST CENTRAL CREDIT UNION IS ACTIVE IN SUPPORTING MANY LOCAL EVENTS AND CHARITIES. OVER $300,000 IS DONATED TO LOCAL CHARITABLE ORGANIZATIONS, COLLEGE SCHOLARSHIPS TO LOCAL HIGH SCHOOL GRADUATES, AND COMMUNITY PROJECTS EACH YEAR.
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-N on file |
IRS record
- EIN
- 94-1287157
- 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)
- $2,183,365,831
- Income (IRS master file)
- $101,231,064
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $101,189,826 | $87,077,522 | $2,183,365,831 | IRS |
| 990-N for 2023 | December 31, 2023 | ≤ $50,000 receipts | – | – | e-Postcard |
| 990 | December 2023 | $85,336,490 | $73,508,824 | $2,050,365,109 | XML |
| 990 | December 2022 | $66,591,892 | $46,701,692 | $2,039,204,894 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | 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 94-1287157).
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 94-1287157.
- 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 FRED MOORE.
- Who are the officers and directors of CREDIT UNIONS IN THE STATE OF CALIFORNIA?
- The 990 for the year ended December 31, 2024 lists 18 people; 9 received compensation from the organization, the highest $1,046,600 (JAMES SESSA, FORMER PRESIDENT/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 $101,189,826, expenses of $87,077,522 and total assets of $2,183,365,831 at year end.
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