Nonprofit · EIN 94-6061277
PACIFIC SERVICE CREDIT UNION
Tax-exempt · CONCORD, CA 94520
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $75,071,745 | $69,156,402 | $5,915,343 | $1,377,851,593 | $1,206,954,754 | $170,896,839 |
| December 31, 2023 | 990 | $63,244,667 | $62,302,016 | $942,651 | $1,457,039,539 | $1,296,660,790 | $160,378,749 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $64,813,141
- Investment income
- $10,144,903
- Net rental income
- $113,701
- Net gain from sales of assets
- $86,807
- Other revenue
- $113,701
Expenses
- Grants and similar amounts paid
- $198,300
- Compensation of officers, directors and key employees
- $5,023,860
- Other salaries and wages
- $13,685,855
- Salaries, compensation and benefits (total)
- $24,388,685
- Professional fundraising fees
- $0
- Legal fees
- $140,603
- Accounting fees
- $263,693
- Occupancy
- $1,161,725
- Travel
- $378,556
- Depreciation
- $1,907,960
Balance sheet and other
- Total assets, start of year
- $1,457,039,539
- Total assets, end of year
- $1,377,851,593
- Total liabilities, end of year
- $1,206,954,754
- Net assets, end of year
- $170,896,839
- Land, buildings and equipment
- $34,201,134
- Publicly traded securities
- $220,423,956
- Gross unrelated business income
- $14,322
- Gross receipts
- $80,615,147
- Employees
- 183
- Volunteers
- 18
- 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 |
|---|---|---|---|---|
| VIRGINIA LAMPSON | PRESIDENT & CEO Officer | 40 | $1,043,537 | $197,937 |
| DAVID KATO | EVP & CFO Officer | 40 | $502,112 | $66,132 |
| KRISTIN DOVE | SVP & CMO Key employee | 40 | $394,702 | $61,249 |
| BARBARA SMITH | SVP & CAO Key employee | 40 | $393,054 | $60,550 |
| JEFFREY BELL | SVP & CSO Key employee | 40 | $396,417 | $21,382 |
| MARIAN MALLORY-WALL | SVP & CRO Key employee | 40 | $350,088 | $47,277 |
| HEMLATA PATEL | SVP & CLO Key employee | 40 | $344,979 | $45,990 |
| MICHELLE SHELOR | SVP & COO Key employee | 40 | $342,017 | $44,306 |
| KEVIN ALSUP | SVP & CTO Key employee | 40 | $336,494 | $24,350 |
| PANSY FONG | VP & CONTROLLER Key employee | 40 | $322,889 | $28,400 |
| MAYRA DOMINGUEZ | VP Highest-paid employee | 40 | $247,938 | $24,806 |
| AARON DYE-INOUYE | AVP Highest-paid employee | 40 | $213,658 | $46,229 |
| ANGELITO CRISTOBAL | VP Highest-paid employee | 40 | $211,369 | $41,507 |
| ROBERT MORAN | AVP Highest-paid employee | 40 | $207,123 | $36,603 |
| TYLER KASTORFF | AVP Highest-paid employee | 40 | $191,038 | $49,754 |
9 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| JOHN CADWALADER | DIRECTOR Trustee or director, Officer | 1 | $0 |
| WILLIAM CHEN | SECRETARY/TREASURER Trustee or director, Officer | 1 | $0 |
| MARIA DE MARTINI | CHAIR Trustee or director | 1 | $0 |
| ARLENE MOTTER | DIRECTOR Trustee or director | 1 | $0 |
| AMAR PANCHAL | VICE CHAIRMAN Trustee or director, Officer | 2 | $0 |
| JIM PETERSON | DIRECTOR Trustee or director | 1 | $0 |
| DAVID SENA | DIRECTOR Trustee or director | 1 | $0 |
| KATHLEEN TAPPERO | DIRECTOR Trustee or director | 1 | $0 |
| BETTY VINEYARD | DIRECTOR Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 25 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| VIRGINIA LAMPSON | PRESIDENT & CEO Officer | 40 | $834,196 | $180,404 |
| DAVID KATO | EVP & CFO Officer | 40 | $502,287 | $65,820 |
| KRISTIN DOVE | SVP & CMO Key employee | 40 | $415,670 | $55,750 |
| BARBARA SMITH | SVP & CAO Key employee | 40 | $386,854 | $57,111 |
| JEFFREY BELL | SVP & CSO Key employee | 40 | $382,843 | $20,640 |
| MICHELLE SHELOR | SVP & COO Key employee | 40 | $333,321 | $42,592 |
| HEMLATA PATEL | SVP & CLO Key employee | 40 | $328,037 | $41,200 |
| PANSY FONG | VP & CONTROLLER Key employee | 40 | $334,302 | $23,777 |
| MAYRA DOMINGUEZ | VP Highest-paid employee | 40 | $246,277 | $22,229 |
| MARIAN MALLORY-WALL | SVP & CRO (STARTED 2/28/23) Key employee | 40 | $244,181 | $16,214 |
| ANGELITO CRISTOBAL | VP Highest-paid employee | 40 | $206,998 | $38,497 |
| ROBERT MORAN | AVP Highest-paid employee | 40 | $199,113 | $38,521 |
| BETINA MARCELO | VP Highest-paid employee | 40 | $200,727 | $23,768 |
| KEVIN ALSUP | SVP & CTO (STARTED 3/27/23) Key employee | 40 | $206,292 | $17,812 |
| STEVEN CRAIGE | VP (RETIRED 4/13/23) Highest-paid employee | 40 | $210,252 | $13,200 |
| JULIA BANNING | FORMER SECRETARY/TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| JOHN CADWALADER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| WILLIAM CHEN | SECRETARY/TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| MARIA DEMARTINI | CHAIR Trustee or director, Officer | 2 | $0 | $0 |
| ARLENE MOTTER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| AMAR PANCHAL | VICE CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| JIM PETERSON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DAVID SENA | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KATHLEEN TAPPERO | DIRECTOR Trustee or director | 1 | $0 | $0 |
| BETTY VINEYARD | DIRECTOR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1355 WILLOW WAY STE 200, CONCORD, CA 94520-5781
- Principal officer (990 for 2024)
- VIRGINIA LAMPSON, 1355 WILLOW WAY 200, CONCORD, CA 94520
- Signed the 990
- PANSY FONG, VP AND CONTROLLER
- Phone
- (925) 609-5000
- Website
- WWW.PACIFICSERVICE.ORG
- Return prepared by
- RSM US LLP
California records
California keeps its own records of charities and corporations. Search them by EIN 94-6061277 or by the name PACIFIC SERVICE CREDIT UNION.
- 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
PACIFIC SERVICE CREDIT UNION IS A FULL SERVICE STATE-CHARTERED CREDIT UNION THAT PROVIDES A BROAD RANGE OF LOAN AND DEPOSIT PRODUCTS AND OTHER FINANCIAL SERVICES TO ITS MEMBERS USING VARIOUS CHANNELS INCLUDING BRANCHES, A CALL CENTER, MOBILE APPLICATIONS, AND THE INTERNET.
Program accomplishments
- PACIFIC SERVICE CREDIT UNION (THE CREDIT UNION) WAS FOUNDED IN 1936 TO SERVE EMPLOYEES OF PG&E IN THE SAN FRANCISCO BAY AREA. THE CREDIT UNION NOW SERVES MORE THAN 69,000 MEMBERS WHO LIVE, WORK, WORSHIP OR ATTEND SCHOOL IN ALAMEDA, CONTRA COSTA, FRESNO, MARIN, NAPA, PLACER, SACRAMENTO, SAN FRANCISCO, SAN MATEO, SANTA CLARA, SOLANO AND SONOMA COUNTIES. MEMBERS CAN TRANSACT IN ANY OF OUR SIX BRANCHES, AT ANY OF OVER 5,000 SHARED BRANCH LOCATIONS AVAILABLE THROUGH CO-OP SHARED BRANCH NETWORK, USING ATMS, ONLINE VIA OUR INTERNET HOME BANKING OR MOBILE SITES, USING POINT OF SALE WITH THEIR VISA DEBIT OR CREDIT CARD OR BY CALLING OUR TELEPHONE SERVICE CENTER OR TOLL-FREE AUTOMATED TELEPHONE BANKING SYSTEM.
- PACIFIC SERVICE CREDIT UNION (THE CREDIT UNION) OFFERS A VARIETY OF DEPOSIT PRODUCTS INCLUDING SAVINGS, CHECKING, MONEY MARKET, CERTIFICATE, IRA, COVERDELL EDUCATION SAVINGS AND YOUTH ACCOUNTS. THE CREDIT UNION'S CHECKING PRODUCT OPTIONS CAN EARN INTEREST, ARE FREE FROM MONTHLY SERVICE CHARGES, ALLOW THE MEMBER TO OBTAIN RATE DISCOUNTS ON AUTO LOANS OR HELP A YOUNG MEMBER OPEN THEIR FIRST CHECKING ACCOUNT. THE CREDIT UNION'S DEPOSIT RATES ARE COMPETITIVE WITH THE MARKET AND ARE TYPICALLY HIGHER THAN BANKS. TOTAL MEMBER SHARE BALANCE AT DECEMBER 31, 2024 WAS $1,130,929,473.
- PACIFIC SERVICE CREDIT UNION (THE CREDIT UNION) OFFERS A VARIETY OF COMPETITIVELY PRICED MORTGAGE LOAN OPTIONS AVAILABLE FOR A PRIMARY RESIDENCE OR SECOND HOME. THE CREDIT UNION'S HOME EQUITY LOAN OPTIONS RANGE FROM 5 TO 30 YEARS, AND MEMBERS MAY ALSO OBTAIN HOME EQUITY LINES OF CREDIT. THE CREDIT UNION OFFERS VEHICLE LOANS FOR NEW AND USED CARS, NEW AND USED BOATS, AS WELL AS NEW AND USED RVS. VISA CREDIT CARD LOANS INCLUDE A NO ANNUAL FEE OPTION AS WELL AS A CARD EARNING REWARDS POINTS. THE CREDIT UNION OFFERS OTHER CONSUMER LOANS FOR MEMBERS SUCH AS PERSONAL SIGNATURE LOANS, AS WELL AS SHARE AND CERTIFICATE SECURED LOANS. FOR OUR MEMBERS WHO ARE STARTING TO BUILD THEIR CREDIT, THE CREDIT UNION OFFERS A STARTER VISA AND A FIRST-TIME AUTO LOAN PROGRAM. TOTAL MEMBER LOAN BALANCE AT DECEMBER 31, 2024 WAS $986,417,136.
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
- 94-6061277
- 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
- Category (NTEE)
- Public and societal benefit (W61)
- Group exemption
- 1526: CREDIT UNIONS IN THE STATE OF CALIFORNIA
- Assets (IRS master file)
- $1,377,851,593
- Income (IRS master file)
- $80,615,147
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $75,071,745 | $69,156,402 | $1,377,851,593 | XML |
| 990 | December 2023 | $63,244,667 | $62,302,016 | $1,457,039,539 | XML |
| 990 | December 2022 | – | – | – | 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 94-6061277).
Questions about PACIFIC SERVICE CREDIT UNION
- What is the EIN of PACIFIC SERVICE CREDIT UNION?
- The employer identification number (EIN) of PACIFIC SERVICE CREDIT UNION is 94-6061277.
- Is PACIFIC SERVICE CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1961.
- Are donations to PACIFIC SERVICE CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does PACIFIC SERVICE CREDIT UNION 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 PACIFIC SERVICE CREDIT UNION 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 PACIFIC SERVICE CREDIT UNION 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 PACIFIC SERVICE CREDIT UNION?
- The 990 for the year ended December 31, 2024 names VIRGINIA LAMPSON.
- Who are the officers and directors of PACIFIC SERVICE CREDIT UNION?
- The 990 for the year ended December 31, 2024 lists 24 people; 15 received compensation from the organization, the highest $1,043,537 (VIRGINIA LAMPSON, PRESIDENT & CEO).
- How much revenue does PACIFIC SERVICE CREDIT UNION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $75,071,745, expenses of $69,156,402 and total assets of $1,377,851,593 at year end.
Other nonprofits in CONCORD
- CONSERVANCY CORP EIN 82-3839049 · last filed 990-N for 2025
- GANAS COMMUNITY ORGANIZATION EIN 87-4011867 · last filed 990-EZ for 2025
- COLLECTIVE STORYTELLING GROUP INC EIN 33-1889468 · last filed 990-EZ for 2025
- BAY AREA PROFESSIONAL FAMILY CARE NETWORK EIN 83-1032409 · last filed 990-EZ for 2025
- CALIFORNIA FAMILY CHILD CARE NETWORK EIN 37-1833427 · last filed 990-EZ for 2024
- VETERANS AFFORDABLE HOMEOWNERSHIP PROGRAM EIN 81-2967340 · last filed 990-EZ for 2025
- THE EDUTRACK FOUNDATION EIN 45-2741337 · last filed 990 for 2025
- PROVIDERS FOR QUALITY CHILD CARE EIN 46-5439256 · last filed 990-N for 2025
All nonprofits in CONCORD · California · Public and societal benefit