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Nonprofit · EIN 95-1185803

CREDIT UNIONS IN THE STATE OF CALIFORNIA

Also known as CALIFORNIA COAST CREDIT UNION

Tax-exempt · SAN DIEGO, CA 92123

Financials

$152.5M$124.1M2023$167.6M$145.8M2024
Revenue Expenses · by fiscal year end
Financials of CREDIT UNIONS IN THE STATE OF CALIFORNIA by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2024990$167,593,351$145,762,099$21,831,252$3,359,400,333$3,038,027,774$321,372,559
December 31, 2023990$152,463,185$124,104,578$28,358,607$3,287,677,887$2,991,871,736$295,806,151
Financial details: 990 for the year ended December 31, 2024

Revenue

Contributions, gifts and grants
$0
Program service revenue
$135,710,597
Investment income
$31,396,025
Net rental income
$486,729
Net gain from sales of assets
-$147,597
Other revenue
$486,729

Expenses

Grants and similar amounts paid
$87,500
Compensation of officers, directors and key employees
$4,727,160
Other salaries and wages
$47,739,583
Salaries, compensation and benefits (total)
$61,230,635
Professional fundraising fees
$0
Legal fees
$1,334,327
Accounting fees
$99,226
Occupancy
$6,519,741
Travel
$1,025,943
Depreciation
$6,197,897

Balance sheet and other

Total assets, start of year
$3,287,677,887
Total assets, end of year
$3,359,400,333
Total liabilities, end of year
$3,038,027,774
Net assets, end of year
$321,372,559
Land, buildings and equipment
$48,373,985
Publicly traded securities
$700,851,734
Gross unrelated business income
$149,101
Gross receipts
$167,740,948
Employees
662
Volunteers
19
Year formed
1929
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.

NameTitleHours / weekCompensationOther / benefits
TODD LANECEO
Officer
40$1,221,808$575,545
KATHERINE CADYCOO
Key employee
40$1,135,561$33,724
VASUDEVAN SAMBASIVAMCIO
Key employee
40$482,680$13,471
MATTHEW FICCOCFO
Officer
40$427,706$23,829
MITZI ZARCONECLO
Key employee
40$418,683$20,478
KELLEN GILLCARO
Key employee
40$325,366$34,989
ANTONIA LUNAEVP, MEMBER DELIVERY
Highest-paid employee
40$330,423$23,911
STEVE VOLLESVP, REAL ESTATE LENDING
Highest-paid employee
40$288,049$30,884
HEATHER TOUDLESVP, COMMERCIAL LENDING
Highest-paid employee
40$272,594$27,578
TIM MULLIGANCHRO
Highest-paid employee
40$277,395$21,196
GREGORY CORNELLFORMER EVP - MEMBER EXPERIENCE
Highest-paid employee
40$269,079$3,190
MEISHA SHERMANDIRECTOR
Trustee or director
2$2,794$0
RON VILLADIRECTOR
Trustee or director
2$2,290$0
YEN TUSECRETARY
Trustee or director, Officer
4$2,213$0
MONTE JONESDIRECTOR
Trustee or director
2$1,841$0
7 more people on this return
NameTitleHours / weekCompensation
WARREN RUISDIRECTOR
Trustee or director
2$1,822
RICHARD J KNOTTDIRECTOR
Trustee or director
2$1,651
DR BARBARA K BROOKSDIRECTOR
Trustee or director
2$708
STEVE MCMAHONCHAIR
Trustee or director, Officer
4$0
RACHEL MILLERDIRECTOR
Trustee or director
2$0
LAN NGUYENVICE CHAIR
Trustee or director, Officer
4$0
JAY SHEPARDDIRECTOR
Trustee or director
2$0
990 for the year ended December 31, 2023: 20 people
NameTitleHours / weekCompensationOther / benefits
TODD LANECEO
Officer
40$1,053,314$1,680,449
KATHERINE CADYCOO
Key employee
40$538,271$148,818
VASUDEVAN SAMBASIVAMCIO
Key employee
40$437,047$25,846
MATTHEW FICCOCFO
Officer
40$388,497$18,875
MITZI ZARCONECLO
Key employee
40$362,870$19,128
ANTONIA LUNASVP, OPERATIONS
Highest-paid employee
40$292,907$26,924
GREGORY CORNELLSVP, MARKETING
Highest-paid employee
40$287,773$11,464
STEVE VOLLESVP, REAL ESTATE
Highest-paid employee
40$261,946$33,273
RENE MCKEESVP, COMM & PUB RELATIONS
Highest-paid employee
40$263,432$20,285
HEATHER TOUDLESVP, COMMERCIAL LENDING
Highest-paid employee
40$246,474$28,549
MILA PASCUACARO
Key employee
40$210,182$10,930
GARY ATKINSONFORMER DIRECTOR
Trustee or director
2$3,218$0
MEISHA SHERMANDIRECTOR
Trustee or director
2$3,218$0
RON VILLAFORMER CHAIR
Trustee or director, Officer
4$2,605$0
DR BARBARA K BROOKSFORMER SECRETARY
Trustee or director, Officer
4$1,608$0
RICHARD J KNOTTCHAIR
Trustee or director, Officer
4$0$0
STEVE MCMAHONVICE CHAIR
Trustee or director, Officer
4$0$0
LAN NGUYENDIRECTOR
Trustee or director
2$0$0
WARREN RUISSECRETARY
Trustee or director, Officer
4$0$0
JAY SHEPARDDIRECTOR
Trustee or director
2$0$0

Address and contacts

Address (IRS master file)
9201 SPECTRUM CENTER BLV, SAN DIEGO, CA 92123-1407
Principal officer (990 for 2024)
TODD LANE CEO, PO BOX 502080, SAN DIEGO, CA 92150
Signed the 990
MATTHEW FICCO, CFO
Phone
(858) 636-4204
Return prepared by
RSM US LLP

California records

California keeps its own records of charities and corporations. Search them by EIN 95-1185803 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)

Mission

CALIFORNIA COAST CREDIT UNION (CREDIT UNION) IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS 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 CONDITION. AS A COOPERATIVE, THE CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.

990 for the year ended December 31, 2024

Program accomplishments

  • ACHIEVEMENT OF SATISFACTORY SERVICES PROVIDED TO MEMBERS IN CONNECTION WITH CONSUMER LOANS, I.E., AUTO LINES, VISA, AND PERSONAL LINES OF CREDIT.
  • ACCOMPLISHMENT OF TARGET GOALS IN CONNECTION WITH PROVISION OF MORTGAGE LOAN PRODUCTS TO EXISTING MEMBERS.
  • MEMBER SATISFACTION IN CONNECTION WITH SERVICES PERTAINING TO CHECKING/SAVINGS ACCOUNTS, ATTRACTIVE CD RATES, IRA AND SIMILAR ACCOUNTS.

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 yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026Not on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
95-1185803
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
Assets (IRS master file)
$3,359,400,333
Income (IRS master file)
$167,740,948

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2024$167,593,351$145,762,099$3,359,400,333XML
990December 2023$152,463,185$124,104,578$3,287,677,887XML
990December 2022$133,395,792$98,775,111$3,475,789,984IRS
990December 2021–––IRS
990December 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 95-1185803).

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 95-1185803.
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 TODD LANE CEO.
Who are the officers and directors of CREDIT UNIONS IN THE STATE OF CALIFORNIA?
The 990 for the year ended December 31, 2024 lists 22 people; 18 received compensation from the organization, the highest $1,221,808 (TODD LANE, 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 $167,593,351, expenses of $145,762,099 and total assets of $3,359,400,333 at year end.

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