Nonprofit · EIN 95-1593663
WHEELHOUSE CREDIT UNION
Tax-exempt · SAN DIEGO, CA 92123
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $23,540,529 | $22,961,080 | $579,449 | $441,639,938 | $411,353,538 | $30,286,400 |
| December 31, 2023 | 990 | $21,108,393 | $21,695,700 | -$587,307 | $435,356,799 | $406,052,095 | $29,304,704 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $20,563,238
- Investment income
- $2,421,670
- Other revenue
- $555,621
Expenses
- Grants and similar amounts paid
- $10,000
- Compensation of officers, directors and key employees
- $1,612,888
- Other salaries and wages
- $4,941,072
- Salaries, compensation and benefits (total)
- $7,939,235
- Professional fundraising fees
- $0
- Legal fees
- $5,509
- Accounting fees
- $148,855
- Occupancy
- $808,762
- Travel
- $41,981
- Depreciation
- $692,579
Balance sheet and other
- Total assets, start of year
- $435,356,799
- Total assets, end of year
- $441,639,938
- Total liabilities, end of year
- $411,353,538
- Net assets, end of year
- $30,286,400
- Land, buildings and equipment
- $5,422,206
- Publicly traded securities
- $22,938,046
- Gross unrelated business income
- $133,953
- Gross receipts
- $23,540,529
- Employees
- 109
- Volunteers
- 14
- Year formed
- 1934
- 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 |
|---|---|---|---|---|
| LISA PAUL-HILL | PRESIDENT/CEO Officer | 50 | $328,972 | $42,928 |
| JOHN FRAZZA | CLO Officer | 50 | $215,758 | $14,515 |
| CURT YASUHARA | VP BUSINESS INTELLIGENCE Highest-paid employee | 50 | $187,263 | $33,236 |
| REBECCA RAMOS-ARZOLA | VP HUMAN RESOURCES Highest-paid employee | 50 | $191,881 | $24,926 |
| BRET JOHNSON | VP OPERATIONS Highest-paid employee | 50 | $178,560 | $21,411 |
| JILL FAUCHER | VP MARKETING Highest-paid employee | 50 | $167,996 | $27,434 |
| DOUG LAFAVE | VP INFORMATION TECHNOLOGY Highest-paid employee | 50 | $170,313 | $22,997 |
| LISA CHAN FORMER | CFO Officer | 50 | $172,145 | $20,074 |
| SHARON FLOYD | CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| STEPHANIE ROSE | VICE CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| ROBERT WILSON | BOARD SECRETARY/TREASURER Trustee or director | 1 | $0 | $0 |
| MELISSA RUSSO | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| LAURA YOUNG | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ROBERT LAWRENCE | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MARCIA MCLATCHY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
7 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| MARIO MODIANO | BOARD MEMBER Trustee or director | 1 | $0 |
| DAN SOBEL | BOARD MEMBER Trustee or director | 1 | $0 |
| GEORGE THOMAS | SUPV CMTE VICE CHAIR Trustee or director | 1 | $0 |
| EDWARD PRENDELL | SUPV CMTE SECRETARY Trustee or director | 1 | $0 |
| GAIL GLUTTING | SUPV CMTE MEMBER Trustee or director | 1 | $0 |
| MCRAY MURDOCK | SUPV CMTE MEMBER Trustee or director | 1 | $0 |
| SCOTT WAHL | SUPV CMTE MEMBER Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 22 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| LISA PAUL-HILL | PRESIDENT/CEO Officer | 50 | $338,662 | $37,719 |
| JOHN FRAZZA | CLO Officer | 50 | $217,646 | $10,228 |
| REBECCA RAMOS-ARZOLA | VP HUMAN RESOURCES Highest-paid employee | 50 | $200,109 | $23,768 |
| LISA CHAN | CFO Officer | 50 | $196,120 | $22,450 |
| BRET JOHNSON | VP OPERATIONS Highest-paid employee | 50 | $182,606 | $19,817 |
| DOUG LAFAVE | VP INFORMATION TECHNOLOGY Highest-paid employee | 50 | $169,127 | $31,424 |
| CURT YASUHARA | VP BUSINESS INTELLIGENCE Highest-paid employee | 50 | $164,987 | $32,149 |
| JILL FAUCHER | VP MARKETING Highest-paid employee | 50 | $164,007 | $32,233 |
| SHARON FLOYD | CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| STEPHANIE ROSE | VICE CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| ROBERT WILSON | BOARD SECRETARY/TREASURER Trustee or director | 1 | $0 | $0 |
| MELISSA RUSSO | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ROBERT LAWRENCE | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MARCIA MCLATCHY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MARIO MODIANO | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| DAN SOBEL | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| LAURA YOUNG | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| GEORGE THOMAS | SUPV CMTE CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| GAIL GLUTTING | SUPV CMTE MEMBER Trustee or director | 1 | $0 | $0 |
| SCOTT WAHL | SUPV CMTE MEMBER Trustee or director | 1 | $0 | $0 |
| EDWARD PRENDELL | SUPV CMTE MEMBER Trustee or director | 1 | $0 | $0 |
| MCRAY MURDOCK | SUPV CMTE MEMBER Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 9212 BALBOA AVE, SAN DIEGO, CA 92123-1514
- Principal officer (990 for 2024)
- LISA PAUL-HILL, PO BOX 719099, SAN DIEGO, CA 92171
- Signed the 990
- LISA PAUL-HILL, PRESIDENT/CEO
- Phone
- (619) 297-4835
- Website
- WWW.WHEELHOUSECU.COM
- Return prepared by
- TURNER WARREN HWANG & CONRAD ACCTCY
California records
California keeps its own records of charities and corporations. Search them by EIN 95-1593663 or by the name WHEELHOUSE 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
SEE SCHEDULE OWHEELHOUSE 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 CONDITIONS. AS A COOPERATIVE, WHEELHOUSE 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.
Program accomplishments
- AMONG OUR LARGEST ACCOUNT HOLDER BASE (OUTSIDE OF MEMBERSHIP SAVINGS) IS CHECKING ACCOUNTS. WHEELHOUSE OFFERS VARIOUS CHECKING PRODUCT TYPES WITH VARYING FEATURES AND BENEFITS. OUR AVERAGE CHECKING BALANCE IS $10,000 AMONG THE CHECKING ACCOUNTS. THE TWO MOST POPULAR ACCOUNTS ARE THE DIVIDEND CHECKING AND INSPIRED CHECKING. ALL MEMBERS WITH CHECKING ACCOUNTS HAVE A BASIC SAVINGS, BUT THE SECOND MOST POPULAR ACCOUNT COMBINATION FOR CHECKING ACCOUNT HOLDERS INCLUDES A SAVINGS AND CONSUMER LOAN, FOLLOWED BY A SAVINGS CERTIFICATE ACCOUNT. THE CREDIT UNION UNDERWENT A NAME CHANGE IN SEPTEMBER OF 2018 CHANGING SAN DIEGO METROPOLITAN CREDIT UNION TO WHEELHOUSE CREDIT UNION. IN ADDITION TO THE NAME CHANGE, THE CREDIT UNION INTRODUCED A NEW HOME BANKING PLATFORM AND A NEW MONEY MOVING SERVICE AVAILABLE USING DEBIT CARDS AND ACH. IN OCTOBER OF 2019, WHEELHOUSE CREDIT UNION CONVERTED ITS CORE PROCESSOR FROM FISERV XP2 TO KEYSTONE.
- THE SERVICE GARNERING LARGE ENROLLMENT IS INTERNET BANKING ENROLLMENT, WHICH ALLOWS MEMBERS TO MANAGE THEIR FINANCIAL ACCOUNTS 24 HOURS A DAY. FEATURES OF THIS SERVICE ARE THE ABILITY TO VIEW ACCOUNT BALANCES AND HISTORIES AT ANY TIME, VIEW CHECK IMAGES, AND PERFORM TRANSFERS FROM ONE OF THE MEMBER'S ACCOUNTS TO ANOTHER. THE BREADTH OF TRANSACTIONS PROVIDED TO THE MEMBER VIA THIS PLATFORM PROVIDES AN EFFICIENCY AND CONVENIENCE TO THE MEMBER AND IS LESS COSTLY THAN A BRANCH TRANSACTION; INCLUDED ARE FEATURES TO INTERNET BANKING NOW ALLOW MEMBERS TO MAKE AND/OR SCHEDULE TRANSFERS AND LOAN PAYMENTS FROM INTERNAL AND/OR EXTERNAL SOURCES.
- ENERGY EFFICIENT/SOLAR LOANS MAKE UP 48% OF THE LOAN PORTFOLIO WITH A PORTFOLIO BALANCE OF $165M AND AN AVERAGE LOAN BALANCE OF $30,000. THESE LOANS ARE GRANTED TO MEMBERS FOR STRUCTURAL IMPROVEMENTS TO THEIR HOMES WHICH MAKE THEM MORE ENERGY EFFICIENT. IMPROVEMENTS INCLUDE SOLAR PANELS, WINDOWS, ROOFING AND AIR CONDITIONING. BY PERFORMING SUCH IMPROVEMENTS TO THEIR HOME, MEMBERS SEE A SIGNIFICANT REDUCTION IN ENERGY EFFICIENT COSTS AS WELL AS RECEIVING A TAX CREDIT FROM THE IRS.
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
- 95-1593663
- 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)
- $441,639,938
- Income (IRS master file)
- $23,540,529
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $23,540,529 | $22,961,080 | $441,639,938 | XML |
| 990 | December 2023 | $21,108,393 | $21,695,700 | $435,356,799 | XML |
| 990 | December 2022 | $17,871,184 | $16,650,413 | $429,259,852 | 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 95-1593663).
Questions about WHEELHOUSE CREDIT UNION
- What is the EIN of WHEELHOUSE CREDIT UNION?
- The employer identification number (EIN) of WHEELHOUSE CREDIT UNION is 95-1593663.
- Is WHEELHOUSE CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1961.
- Are donations to WHEELHOUSE CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does WHEELHOUSE 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 WHEELHOUSE 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 WHEELHOUSE 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 WHEELHOUSE CREDIT UNION?
- The 990 for the year ended December 31, 2024 names LISA PAUL-HILL.
- Who are the officers and directors of WHEELHOUSE CREDIT UNION?
- The 990 for the year ended December 31, 2024 lists 22 people; 8 received compensation from the organization, the highest $328,972 (LISA PAUL-HILL, PRESIDENT/CEO).
- How much revenue does WHEELHOUSE CREDIT UNION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $23,540,529, expenses of $22,961,080 and total assets of $441,639,938 at year end.
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