Nonprofit · EIN 95-2030824
CREDIT UNIONS IN THE STATE OF CALIFORNIA
Also known as AMERICAS CHRISTIAN CREDIT UNION
Tax-exempt · GLENDORA, CA 91740
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $39,513,327 | $36,083,555 | $3,429,772 | $688,840,404 | $637,259,822 | $51,580,582 |
| December 31, 2023 | 990 | $34,130,272 | $29,238,936 | $4,891,336 | $643,303,273 | $595,580,950 | $47,722,323 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $32,715,945
- Investment income
- $6,464,013
- Net rental income
- $333,369
- Net gain from sales of assets
- $1,758,663
- Other revenue
- $333,369
Expenses
- Grants and similar amounts paid
- $119,125
- Benefits paid to members
- $13,218,313
- Compensation of officers, directors and key employees
- $1,193,275
- Other salaries and wages
- $9,636,445
- Salaries, compensation and benefits (total)
- $12,638,099
- Professional fundraising fees
- $0
- Legal fees
- $201,228
- Accounting fees
- $226,572
- Occupancy
- $479,320
- Travel
- $286,946
- Depreciation
- $551,435
Balance sheet and other
- Total assets, start of year
- $643,303,273
- Total assets, end of year
- $688,840,404
- Total liabilities, end of year
- $637,259,822
- Net assets, end of year
- $51,580,582
- Land, buildings and equipment
- $12,543,802
- Publicly traded securities
- $62,935,350
- Gross unrelated business income
- $25,930
- Gross receipts
- $40,276,852
- Employees
- 125
- Volunteers
- 12
- Year formed
- 1958
- 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 |
|---|---|---|---|---|
| VICKI VANNBERSTEIN | PRESIDENT & CEO Officer | 40 | $581,661 | $48,099 |
| PATRICK LANGILLE | SVP/COO Officer | 40 | $285,571 | $1,793 |
| CINDY MORGAN | CHIEF FINANCIAL OFFICER Officer | 40 | $274,316 | $1,835 |
| EVAMARIE PISANI | CHIEF MEMBER SERVICES OFFICER Highest-paid employee | 40 | $201,782 | $21,709 |
| SCOTT DEPRAT | VP DIGITAL PRODUCTS Highest-paid employee | 40 | $198,865 | $20,202 |
| ANDREW CASANOVA | CHIEF MEMBER ACQUISITION OFFICER Highest-paid employee | 40 | $199,202 | $18,547 |
| MARTHA ARCHER | COMPLIANCE OFFICER (LEFT 03/2024) Highest-paid employee | 40 | $197,255 | $7,748 |
| JOEL SANTIAGO | CHIEF CORPORATE BANKING OFFICER Highest-paid employee | 40 | $198,000 | $1,692 |
| BARBARA DICKERSON | CHAIR Trustee or director, Officer | 2 | $0 | $0 |
| LISA PENBERTHY | VICE CHAIR Trustee or director, Officer | 2 | $0 | $0 |
| DAVID MORSE | TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| JASON TAVAREZ | SECRETARY Trustee or director, Officer | 2 | $0 | $0 |
| GEOFFREY FELLOWS | DIRECTOR Trustee or director | 2 | $0 | $0 |
| SYLVIA NASH | DIRECTOR Trustee or director | 2 | $0 | $0 |
| NATHANIEL SHINE | DIRECTOR Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2023: 17 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| VICKI VANNBERSTEIN | PRESIDENT & CEO Officer | 40 | $646,358 | $39,682 |
| PATRICK LANGILLE | SVP/COO Officer | 40 | $248,036 | $21,549 |
| JERRY PHAM | VP/CHIEF INFORMATION OFFIC Key employee | 40 | $227,875 | $37,650 |
| CINDY MORGAN | CFO Officer | 40 | $233,131 | $23,954 |
| ANDREW CASANOVA | VP/CHIEF MEMBER ACQUISITIO Highest-paid employee | 40 | $189,016 | $30,286 |
| SCOTT DEPRAT | VP DIGITAL PRODUCTS Highest-paid employee | 40 | $188,453 | $22,454 |
| CORY MILLER | VP CORPORATE LENDING Highest-paid employee | 40 | $173,642 | $30,019 |
| EVAMARIE PISANI | VP/CHIEF MEMBER SERVICES O Highest-paid employee | 40 | $194,963 | $4,095 |
| GAIL CARDENAS | CHIEF HUMAN RESOURCE OFFICER Highest-paid employee | 40 | $172,872 | $20,520 |
| NICOLETTE HARMS | SVP/CFO (TERM 8/12/22) Former | 0 | $117,928 | $0 |
| BARBARA DICKERSON | CHAIR Trustee or director, Officer | 2 | $0 | $0 |
| LISA PENBERTHY | VICE CHAIR Trustee or director, Officer | 2 | $0 | $0 |
| JASON TAVAREZ | SECRETARY Trustee or director, Officer | 2 | $0 | $0 |
| DAVID MORSE | TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| SYLVIA NASH | DIRECTOR Trustee or director | 2 | $0 | $0 |
| NATHANIEL SHINE | DIRECTOR Trustee or director | 2 | $0 | $0 |
| GEOFFREY FELLOWS | DIRECTOR Trustee or director | 2 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 2100 E ROUTE 66, GLENDORA, CA 91740-4680
- Principal officer (990 for 2024)
- CINDY MORGAN, 2100 E ROUTE 66, GLENDORA, CA 91740
- Signed the 990
- CINDY MORGAN, VP / CHIEF FINANCIAL OFFICER
- Phone
- (800) 343-6328
- Website
- WWW.AMERICASCHRISTIANCU.COM
- Return prepared by
- CLIFTONLARSONALLEN LLP
California records
California keeps its own records of charities and corporations. Search them by EIN 95-2030824 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
TO PROVIDE FINANCIAL SERVICES TO THE COMMUNITY OF PEOPLE, CHURCHES AND ORGANIZATIONS WHO ALIGN THEMSELVES WITH THE WESLEYAN CHRISTIAN DOCTRINE.
Program accomplishments
- TO ENCOURAGE BIBLICAL STEWARDSHIP AND TO REACH, SERVE, AND TEACH OUR MEMBERS. WE DO THIS BY PROVIDING FINANCIAL SERVICES INCLUDING SAVINGS DEPOSITS, CHECKING, AND ALL DEPOSIT RELATED SERVICES, PROVIDING FINANCING THROUGH LOANS TO MEMBERS, AND BY EDUCATING MEMBERS IN RESPONSIBLE STEWARDSHIP PRINCIPLES.
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
- 95-2030824
- 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)
- $688,840,404
- Income (IRS master file)
- $40,276,852
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $39,513,327 | $36,083,555 | $688,840,404 | XML |
| 990 | December 2023 | $34,130,272 | $29,238,936 | $643,303,273 | XML |
| 990 | December 2022 | $26,929,371 | $21,160,964 | $621,842,316 | 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 95-2030824).
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 95-2030824.
- 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 CINDY MORGAN.
- Who are the officers and directors of CREDIT UNIONS IN THE STATE OF CALIFORNIA?
- The 990 for the year ended December 31, 2024 lists 15 people; 8 received compensation from the organization, the highest $581,661 (VICKI VANNBERSTEIN, 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 $39,513,327, expenses of $36,083,555 and total assets of $688,840,404 at year end.
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