Nonprofit · EIN 94-6172866
CREDIT UNIONS IN THE STATE OF CALIFORNIA
Also known as BAY CITIES CREDIT UNION
Tax-exempt · HAYWARD, CA 94541
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $4,762,312 | $3,621,938 | $1,140,374 | $78,009,566 | $68,536,393 | $9,473,173 |
| December 31, 2024 | 990 | $4,579,969 | $3,583,905 | $996,064 | $75,508,821 | $67,176,022 | $8,332,799 |
| December 31, 2023 | 990 | $3,848,970 | $3,195,091 | $653,879 | $79,650,436 | $72,313,701 | $7,336,735 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $2,862,357
- Investment income
- $1,899,955
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $172,062
- Other salaries and wages
- $1,081,889
- Salaries, compensation and benefits (total)
- $1,506,029
- Professional fundraising fees
- $0
- Legal fees
- $28,080
- Occupancy
- $105,159
- Travel
- $4,714
Balance sheet and other
- Total assets, start of year
- $75,508,821
- Total assets, end of year
- $78,009,566
- Total liabilities, end of year
- $68,536,393
- Net assets, end of year
- $9,473,173
- Land, buildings and equipment
- $371,363
- Gross unrelated business income
- $129,321
- Gross receipts
- $4,762,312
- Employees
- 21
- Volunteers
- 10
- Year formed
- 1953
- 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, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| GEORGETTE MUNOZ | CEO Officer | 40 | $157,654 | $14,408 |
| NORMAN WEISBROD | Chairman Trustee or director | 1 | $0 | $0 |
| MARK MOSIER | Treasurer Trustee or director | 1 | $0 | $0 |
| EDWARD CARTER | Director Trustee or director | 1 | $0 | $0 |
| GREGORY MAILHO | Director Trustee or director | 1 | $0 | $0 |
| TRACY KELLY | Director Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 6 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| GEORGETTE MUNOZ | CEO Officer | 40 | $155,137 | $19,436 |
| NORMAN WEISBROD | President Trustee or director | 1 | $0 | $0 |
| MARK MOSIER | Treasurer Trustee or director | 1 | $0 | $0 |
| EDWARD CARTER | Secretary Trustee or director | 1 | $0 | $0 |
| GREGORY MAILHO | Vice President Trustee or director | 1 | $0 | $0 |
| TRACY KELLY | Director Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 5 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| GEORGETTE MUNOZ | CEO Officer | 40 | $143,695 | $18,198 |
| NORMAN WEISBROD | Chairman Trustee or director | 1 | $0 | $0 |
| MARK MOSIER | Treasurer Trustee or director | 1 | $0 | $0 |
| EDWARD CARTER | Director Trustee or director | 1 | $0 | $0 |
| GREGORY MAILHO | Director Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 22777 MAIN ST, HAYWARD, CA 94541-5113
- Principal officer (990 for 2025)
- GEORGETTE MUNOZ, 22777 MAIN STREET, HAYWARD, CA 945415113
- Signed the 990
- GLORIA GARCIA, Controller
- Phone
- (510) 690-6138
- Website
- https://www.baycities.org/
- Return prepared by
- FINANCIAL STANDARDS GROUP INC
California records
California keeps its own records of charities and corporations. Search them by EIN 94-6172866 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
SEE SCHEDULE O
Program accomplishments
- THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, AND CERTIFICATES. THE TOTAL NUMBER OF MEMBERS AT 12/31/2025 WAS 6,770.
- THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2025 WAS 3,150.
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 | 990 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
- 94-6172866
- 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)
- $78,009,566
- Income (IRS master file)
- $4,762,312
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $4,762,312 | $3,621,938 | $78,009,566 | XML |
| 990 | December 2024 | $4,579,969 | $3,583,905 | $75,508,821 | IRS |
| 990 | December 2023 | $3,848,970 | $3,195,091 | $79,650,436 | XML |
| 990 | December 2022 | $2,783,364 | $2,941,000 | $85,779,594 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | 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 94-6172866).
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 94-6172866.
- 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 2026 (the year ending December 31, 2026) is due May 17, 2027. 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 2025.
- Who is the principal officer of CREDIT UNIONS IN THE STATE OF CALIFORNIA?
- The 990 for the year ended December 31, 2025 names GEORGETTE MUNOZ.
- Who are the officers and directors of CREDIT UNIONS IN THE STATE OF CALIFORNIA?
- The 990 for the year ended December 31, 2025 lists 6 people; 1 received compensation from the organization, the highest $157,654 (GEORGETTE MUNOZ, CEO).
- How much revenue does CREDIT UNIONS IN THE STATE OF CALIFORNIA have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $4,762,312, expenses of $3,621,938 and total assets of $78,009,566 at year end.
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