E-CENTRAL CREDIT UNION

Address
990 SOUTH FAIR OAKS AVENUE
PASADENA, CA 911052626
Contact
Website: http://www.ecentralcu.org
Phone: +1 (626) 799-6000
Nonprofit
NTEE: W61 - Credit Unions
EIN: 95-1442156

Mission

E-CENTRAL CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVING 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, E-CENTRAL CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNING, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.
 20162015201420132012
Basic features of the organization
Year of formation1943
Subsection code14
PF filing required0    
Metropolitan statistical area4472
Form of organization
Other form of orgTrue
Description of other form of orgCREDIT UNION
Human resources, including compensation
Summary compensation info
Total compensation of current key personnel$647,082.00$722,694.00$538,677.00$580,145.00$380,165.00
Sum of reportable (W2/1099) compensation$647,082.00$722,694.00$538,677.00$580,145.00$380,165.00
Number of employees6856796951
Number of people compensated >$100k45342
Number of volunteers1110101010
Number of highly compensated contractors0000 
Personnel
Brown, Susan
Title  EXECUTIVE ASSISTANT  
Name of key/compensated person  SUSAN BROWN  
Position of compensated person
Highest compensated employees (>$100k)  True  
Average hours per week working for org  40.00  
Reportable compensation from org  $104,529.00  
Other comp, non-reportable, from org and related orgs  $18,697.00  
Corresponding comp from related orgs
Reportable compensation from related orgs   $0.00  
Cafferty, James
TitleDIRECTOR EMERITUSSECRETARY/TREASURERSECRETARY/TREASURERSECRETARY/TREASURERSECRETARY/TREASURER
Name of key/compensated personJAMES CAFFERTYJAMES CAFFERTYJAMES CAFFERTYJAMES CAFFERTYJAMES CAFFERTY
Position of compensated person
Average hours per week working for org1.001.001.001.001.00
Reportable compensation from org$1,000.00$2,400.00$2,400.00$2,400.00$2,400.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Drew, John
TitleDIRECTORDIRECTORDIRECTORDIRECTOR 
Name of key/compensated personJOHN DREWJOHN DREWJOHN DREWJOHN DREW 
Position of compensated person
Average hours per week working for org1.000.001.001.00 
Reportable compensation from org$0.00$0.00$0.00$0.00 
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00 
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00 
Edwards, Dominick
TitleVICE CHAIRMANVICE CHAIRMANVICE CHAIRMANVICE CHAIRMANVICE CHAIRPERSON
Name of key/compensated personDOMINICK EDWARDSDOMINICK EDWARDSDOMINICK EDWARDSDOMINICK EDWARDSDOMINICK EDWARDS
Position of compensated person
Average hours per week working for org2.001.001.001.001.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Garmus, Mark
TitleCHAIRMANCHAIRMANCHAIRMANCHAIRMANCHAIRPERSON
Name of key/compensated personMARK GARMUSMARK GARMUSMARK GARMUSMARK GARMUSMARK GARMUS
Position of compensated person
Average hours per week working for org5.005.005.005.005.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Giles-Luick, Glenda
TitleDIRECTORDIRECTORDIRECTORDIRECTORDIRECTOR
Name of key/compensated personGLENDA GILES-LUICKGLENDA GILES-LUICKGLENDA GILES-LUICKGLENDA GILES-LUICKGLENDA GILES-LUICK
Position of compensated person
Average hours per week working for org1.000.001.001.001.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Gobble, Donald
Title    DIRECTOR
Name of key/compensated person    DONALD GOBBLE
Position of compensated person
Average hours per week working for org    1.00
Reportable compensation from org    $0.00
Other comp, non-reportable, from org and related orgs    $0.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Greenbaum, James
TitleSUPV CMTE MEMBERSUPV CMTE MEMBER   
Name of key/compensated personJAMES GREENBAUMJAMES GREENBAUM   
Position of compensated person
Average hours per week working for org1.000.00   
Reportable compensation from org$0.00$0.00   
Other comp, non-reportable, from org and related orgs$0.00$0.00   
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00   
Henson, Stephen
TitleDIRECTORDIRECTORDIRECTORDIRECTORDIRECTOR
Name of key/compensated personSTEPHEN HENSONSTEPHEN HENSONSTEPHEN HENSONSTEPHEN HENSONSTEPHEN HENSON
Position of compensated person
Average hours per week working for org1.000.001.001.001.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Hitchcock, Evan
TitleVP OPSVP OPS   
Name of key/compensated personEVAN HITCHCOCKEVAN HITCHCOCK   
Position of compensated person
Highest compensated employees (>$100k)TrueTrue   
Average hours per week working for org40.0040.00   
Reportable compensation from org$102,568.00$104,786.00   
Other comp, non-reportable, from org and related orgs$24,572.00$28,260.00   
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00   
Honore, Richard
TitleDIRECTORDIRECTORDIRECTORDIRECTORDIRECTOR
Name of key/compensated personRICHARD HONORERICHARD HONORERICHARD HONORERICHARD HONORERICHARD HONORE
Position of compensated person
Average hours per week working for org1.000.001.001.001.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Kasnick, Brock
Title   VP LENDING 
Name of key/compensated person   BROCK KASNICK 
Position of compensated person
Highest compensated employees (>$100k)   True 
Average hours per week working for org   40.00 
Reportable compensation from org   $107,358.00 
Other comp, non-reportable, from org and related orgs   $28,680.00 
Corresponding comp from related orgs
Reportable compensation from related orgs    $0.00 
Magaldi, Dennis
TitleSECRETARY/TREASURER    
Name of key/compensated personDENNIS MAGALDI    
Position of compensated person
Average hours per week working for org2.00    
Reportable compensation from org$1,200.00    
Other comp, non-reportable, from org and related orgs$0.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Marcelo, Felices
Title   MORTGAGE SPECIALIST 
Name of key/compensated person   FELICES BETINA MARCELO 
Position of compensated person
Highest compensated employees (>$100k)   True 
Average hours per week working for org   40.00 
Reportable compensation from org   $103,613.00 
Other comp, non-reportable, from org and related orgs   $17,163.00 
Corresponding comp from related orgs
Reportable compensation from related orgs    $0.00 
Moghavem, Behnam
Title    VP/COO (FORMER)
Name of key/compensated person    BEHNAM MOGHAVEM
Position of compensated person
Average hours per week working for org    40.00
Reportable compensation from org    $31,343.00
Other comp, non-reportable, from org and related orgs    $3,116.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Oliver, Jon
TitleSUPV CMTE CHAIRSUPV CMTE CHAIRSUPV CMTE CHAIRSUPV CMTE CHAIRSUPV CMTE CHAIR
Name of key/compensated personJON OLIVERJON OLIVERJON OLIVERJON OLIVERJON OLIVER
Position of compensated person
Average hours per week working for org2.002.001.001.001.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Stewart, William
Title  SUPV CMTE MEMBERSUPV CMTE MEMBERSUPV CMTE MEMBER
Name of key/compensated person  WILLIAM STEWARTWILLIAM STEWARTWILLIAM STEWART
Position of compensated person
Average hours per week working for org  1.001.001.00
Reportable compensation from org  $0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs  $0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs   $0.00$0.00$0.00
Stubendordt, Douglas
Title IT MANAGER   
Name of key/compensated person DOUGLAS STUBENDORDT   
Position of compensated person
Highest compensated employees (>$100k) True   
Average hours per week working for org 40.00   
Reportable compensation from org $104,376.00   
Other comp, non-reportable, from org and related orgs $19,259.00   
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00   
Sy, Loh
TitleSVP LENDINGSVP LENDING   
Name of key/compensated personLOH JEN SYLOH JEN SY   
Position of compensated person
Highest compensated employees (>$100k)TrueTrue   
Average hours per week working for org40.0040.00   
Reportable compensation from org$120,002.00$115,438.00   
Other comp, non-reportable, from org and related orgs$21,551.00$9,239.00   
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00   
Theodore, Michael
TitlePRESIDENT/CEOPRESIDENT/CEOPRESIDENT/CEOPRESIDENT/CEO 
Name of key/compensated personMICHAEL THEODOREMICHAEL THEODOREMICHAEL THEODOREMICHAEL THEODORE 
Position of compensated person
Average hours per week working for org40.0040.0040.0040.00 
Reportable compensation from org$300,220.00$275,331.00$310,770.00$249,920.00 
Other comp, non-reportable, from org and related orgs$43,144.00$46,376.00$42,474.00$41,045.00 
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00 
Theodore, Mike
Title    PRESIDENT/CEO
Name of key/compensated person    MIKE THEODORE
Position of compensated person
Average hours per week working for org    40.00
Reportable compensation from org    $239,249.00
Other comp, non-reportable, from org and related orgs    $39,879.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Wilcox, Corbet
TitleSUPV CMTE MEMBERSUPV CMTE MEMBERSUPV CMTE MEMBERSUPV CMTE MEMBERSUPV CMTE MEMBER
Name of key/compensated personCORBET WILCOXCORBET WILCOXCORBET WILCOXCORBET WILCOXCORBET WILCOX
Position of compensated person
Average hours per week working for org1.000.001.001.001.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Wise, Richard
TitleCFOCFOCFOCFOVP/CFO
Name of key/compensated personRICHARD WISERICHARD WISERICHARD WISERICHARD WISERICHARD WISE
Position of compensated person
Average hours per week working for org40.0040.0040.0040.0040.00
Reportable compensation from org$122,092.00$120,363.00$120,978.00$116,854.00$107,173.00
Other comp, non-reportable, from org and related orgs$35,136.00$30,774.00$28,941.00$30,173.00$13,504.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Purpose: mission, activities, & accomplishments
Mission or significant activitiesA COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS.A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS.A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS.A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS.A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS.
Programs, including revenue & expenses
E-CENTRAL CREDIT UNION OFFERS FREE BILL PAY TO ITS MEMBERS AS PART OF THE OVERALL MEMBER BENEFITS. BENEFITS SUCH AS THIS ONE HAVE ALLOWED E-CENTRAL'S CHECKING ACCOUNT PENETRATION AND TOTALS TO INCREASE OVER THE YEARS.
Program description   E-CENTRAL CREDIT UNION OFFERS FREE BILL PAY TO ITS MEMBERS AS PART OF THE OVERALL MEMBER BENEFITS. BENEFITS SUCH AS THIS ONE HAVE ALLOWED E-CENTRAL'S CHECKING ACCOUNT PENETRATION AND TOTALS TO INCREASE OVER THE YEARS.E-CENTRAL CREDIT UNION OFFERS FREE BILL PAY TO ITS MEMBERS AS PART OF THE OVERALL MEMBER BENEFITS. BENEFITS SUCH AS THIS ONE HAVE ALLOWED E-CENTRAL'S CHECKING ACCOUNT PENETRATION AND TOTALS TO INCREASE OVER THE YEARS.
E-CENTRAL OFFERS A SUITE OF AFFORDABLE CHECKING ACCOUNTS THAT INCLUDE A NUMBER OF FREE SERVICES, SUCH AS DEBIT CARDS AND A SUITE OF ONLINE SERVICES. THE CREDIT UNION CONTINUES TO SEE CHECKING ACCOUNT PENETRATION INCREASE, CHECKING OVERALL BALANCES INCREASE AND DEBIT CARD TRANSACTIONS INCREASE EACH YEAR. MEMBERS VALUE OUR LOW-COST SOLUTION AS THEY LOOK TO SAVE MONEY EVERY DAY.
Program descriptionE-CENTRAL OFFERS A SUITE OF AFFORDABLE CHECKING ACCOUNTS THAT INCLUDE A NUMBER OF FREE SERVICES, SUCH AS DEBIT CARDS AND A SUITE OF ONLINE SERVICES. THE CREDIT UNION CONTINUES TO SEE CHECKING ACCOUNT PENETRATION INCREASE, CHECKING OVERALL BALANCES INCREASE AND DEBIT CARD TRANSACTIONS INCREASE EACH YEAR. MEMBERS VALUE OUR LOW-COST SOLUTION AS THEY LOOK TO SAVE MONEY EVERY DAY.E-CENTRAL OFFERS A SUITE OF AFFORDABLE CHECKING ACCOUNTS THAT INCLUDE A NUMBER OF FREE SERVICES, SUCH AS DEBIT CARDS AND A SUITE OF ONLINE SERVICES. THE CREDIT UNION CONTINUES TO SEE CHECKING ACCOUNT PENETRATION INCREASE, CHECKING OVERALL BALANCES INCREASE AND DEBIT CARD TRANSACTIONS INCREASE EACH YEAR. MEMBERS VALUE OUR LOW-COST SOLUTION AS THEY LOOK TO SAVE MONEY EVERY DAY.E-CENTRAL OFFERS A SUITE OF AFFORDABLE CHECKING ACCOUNTS THAT INCLUDE A NUMBER OF FREE SERVICES, SUCH AS DEBIT CARDS AND A SUITE OF ONLINE SERVICES. THE CREDIT UNION CONTINUES TO SEE CHECKING ACCOUNT PENETRATION INCREASE, CHECKING OVERALL BALANCES INCREASE AND DEBIT CARD TRANSACTIONS INCREASE EACH YEAR. MEMBERS VALUE OUR LOW-COST SOLUTION AS THEY LOOK TO SAVE MONEY EVERY DAY.  
OFFERING A VAST ARRAY OF DYNAMIC ONLINE SERVICES IS CENTRAL TO E-CENTRAL'S STRATEGIC PLAN TO ALLOW MEMBERS TO ACCESS THEIR ACCOUNT ANYTIME, ANYWHERE. THIS IS AN IMPORTANT INITIATIVE TO REMAIN COMPETITIVE, IMPROVE OPERATIONAL EFFICIENCIES, AND TO RETAIN MEMBERS. OUR SUITE OF FREE E-SERVICES INCLUDE, ONLINE BANKING, MOBILE BANKING, BILL PAY, PERSONAL FINANCIAL MANAGEMENT TOOLS, ACCOUNT-TO-ACCOUNT TRANSFERS, REMOTE CHECK DEPOSIT AND A NUMBER OF OTHER SERVICES.
Program descriptionOFFERING A VAST ARRAY OF DYNAMIC ONLINE SERVICES IS CENTRAL TO E-CENTRAL'S STRATEGIC PLAN TO ALLOW MEMBERS TO ACCESS THEIR ACCOUNT ANYTIME, ANYWHERE. THIS IS AN IMPORTANT INITIATIVE TO REMAIN COMPETITIVE, IMPROVE OPERATIONAL EFFICIENCIES, AND TO RETAIN MEMBERS. OUR SUITE OF FREE E-SERVICES INCLUDE, ONLINE BANKING, MOBILE BANKING, BILL PAY, PERSONAL FINANCIAL MANAGEMENT TOOLS, ACCOUNT-TO-ACCOUNT TRANSFERS, REMOTE CHECK DEPOSIT AND A NUMBER OF OTHER SERVICES.OFFERING A VAST ARRAY OF DYNAMIC ONLINE SERVICES IS CENTRAL TO E-CENTRAL'S STRATEGIC PLAN TO ALLOW MEMBERS TO ACCESS THEIR ACCOUNT ANYTIME, ANYWHERE. THIS IS AN IMPORTANT INITIATIVE TO REMAIN COMPETITIVE, IMPROVE OPERATIONAL EFFICIENCIES, AND TO RETAIN MEMBERS. OUR SUITE OF FREE E-SERVICES INCLUDE, ONLINE BANKING, MOBILE BANKING, BILL PAY, PERSONAL FINANCIAL MANAGEMENT TOOLS, ACCOUNT-TO-ACCOUNT TRANSFERS, REMOTE CHECK DEPOSIT AND A NUMBER OF OTHER SERVICES.OFFERING A VAST ARRAY OF DYNAMIC ONLINE SERVICES IS CENTRAL TO E-CENTRAL'S STRATEGIC PLAN TO ALLOW MEMBERS TO ACCESS THEIR ACCOUNT ANYTIME, ANYWHERE. THIS IS AN IMPORTANT INITIATIVE TO REMAIN COMPETITIVE, IMPROVE OPERATIONAL EFFICIENCIES, AND TO RETAIN MEMBERS. OUR SUITE OF FREE E-SERVICES INCLUDE, ONLINE BANKING, MOBILE BANKING, BILL PAY, PERSONAL FINANCIAL MANAGEMENT TOOLS, ACCOUNT-TO-ACCOUNT TRANSFERS, REMOTE CHECK DEPOSIT AND A NUMBER OF OTHER SERVICES.  
OFFERING AN ATM/DEBIT CARD SERVICE PROGRAM HAS ALLOWED E-CENTRAL CREDIT UNION TO OFFER CHECKING ACCOUNTS THAT ARE FREE FROM MONTHLY SERVICE FEES AND MINIMUM BALANCE REQUIREMENTS. OFFERING THIS PROGRAM SERVICE HAS GIVEN E-CENTRAL CREDIT UNION THE ABILITY TO STAY COMPETITIVE WITH PEERS AND ALLOW THE INSTITUTION TO BE ABLE TO CONTINUE TO OFFER MEMBERS COMPETITIVE PRODUCTS.
Program description   OFFERING AN ATM/DEBIT CARD SERVICE PROGRAM HAS ALLOWED E-CENTRAL CREDIT UNION TO OFFER CHECKING ACCOUNTS THAT ARE FREE FROM MONTHLY SERVICE FEES AND MINIMUM BALANCE REQUIREMENTS. OFFERING THIS PROGRAM SERVICE HAS GIVEN E-CENTRAL CREDIT UNION THE ABILITY TO STAY COMPETITIVE WITH PEERS AND ALLOW THE INSTITUTION TO BE ABLE TO CONTINUE TO OFFER MEMBERS COMPETITIVE PRODUCTS.OFFERING AN ATM/DEBIT CARD SERVICE PROGRAM HAS ALLOWED E-CENTRAL CREDIT UNION TO OFFER CHECKING ACCOUNTS THAT ARE FREE FROM MONTHLY SERVICE FEES AND MINIMUM BALANCE REQUIREMENTS. OFFERING THIS PROGRAM SERVICE HAS GIVEN E-CENTRAL CREDIT UNION THE ABILITY TO STAY COMPETITIVE WITH PEERS AND ALLOW THE INSTITUTION TO BE ABLE TO CONTINUE TO OFFER MEMBERS COMPETITIVE PRODUCTS.
OUR REAL ESTATE PROGRAM CONTINUES TO PROVIDE VALUE TO OUR MEMBERSHIP. WE FOCUS ON PROVIDING PERSONALIZED SERVICES COUPLED WITH COMPETITIVE PRICING. THROUGH OUR TRUSTED BRAND, MEMBERS CAN TAKE SOLACE THAT THEY ARE WORKING WITH A REPUTABLE LENDER.
Program descriptionOUR REAL ESTATE PROGRAM CONTINUES TO PROVIDE VALUE TO OUR MEMBERSHIP. WE FOCUS ON PROVIDING PERSONALIZED SERVICES COUPLED WITH COMPETITIVE PRICING. THROUGH OUR TRUSTED BRAND, MEMBERS CAN TAKE SOLACE THAT THEY ARE WORKING WITH A REPUTABLE LENDER.OUR REAL ESTATE PROGRAM CONTINUES TO PROVIDE VALUE TO OUR MEMBERSHIP. WE FOCUS ON PROVIDING PERSONALIZED SERVICES COUPLED WITH COMPETITIVE PRICING. THROUGH OUR TRUSTED BRAND, MEMBERS CAN TAKE SOLACE THAT THEY ARE WORKING WITH A REPUTABLE LENDER.OUR REAL ESTATE PROGRAM CONTINUES TO PROVIDE VALUE TO OUR MEMBERSHIP. WE FOCUS ON PROVIDING PERSONALIZED SERVICES COUPLED WITH COMPETITIVE PRICING. THROUGH OUR TRUSTED BRAND, MEMBERS CAN TAKE SOLACE THAT THEY ARE WORKING WITH A REPUTABLE LENDER.  
THROUGH OUR PROGRAM WE WERE ABLE TO SERVE THE REAL ESTATE NEEDS OF OUR MEMBERSHIP BY OFFERING COMPETITIVE PRICING AND PERSONAL SERVICES THAT OUR MEMBERS CAN TRUST.
Program description   THROUGH OUR PROGRAM WE WERE ABLE TO SERVE THE REAL ESTATE NEEDS OF OUR MEMBERSHIP BY OFFERING COMPETITIVE PRICING AND PERSONAL SERVICES THAT OUR MEMBERS CAN TRUST.THROUGH OUR PROGRAM WE WERE ABLE TO SERVE THE REAL ESTATE NEEDS OF OUR MEMBERSHIP BY OFFERING COMPETITIVE PRICING AND PERSONAL SERVICES THAT OUR MEMBERS CAN TRUST.
Financial data
Revenue
Total revenue$8,114,893.00$8,163,647.00$9,197,430.00$10,491,663.00$9,282,966.00
Revenue from contributions (total) $0.00$0.00$0.00$0.00
Investment income, current yr$707,223.00$749,776.00$762,019.00$758,571.00$1,041,186.00
Total revenue from grants, etc., current yr$0.00$0.00$0.00$0.00$0.00
Total unrelated business revenue$27,011.00$46,989.00$59,102.00$57,400.00$13,287.00
Other revenue, current yr$856,394.00$474,788.00$1,162,803.00$2,582,504.00$755,402.00
Net unrelated business taxable revenue-$369.00$14,479.00$33,589.00$34,642.00$7,360.00
Program service revenue (total)$6,551,276.00$6,939,083.00$7,272,608.00$7,150,588.00$7,486,378.00
Gross receipts$8,361,086.00$8,163,647.00$9,197,430.00$11,115,034.00$9,282,966.00
Other types of revenue
Miscellaneous revenue (total)$856,394.00$474,788.00$1,162,803.00$2,582,504.00$755,402.00
Income from dividends, interest, and similar investments$670,811.00$749,776.00$762,019.00$761,454.00$1,040,086.00
Net rental income $0.00$0.00$0.00$0.00
Expense categories (totals)
Total functional expenses: sum of all$7,257,389.00$7,004,506.00$7,026,197.00$6,609,717.00$6,679,125.00
Fees for services
Legal fees (total)$45,618.00$71,361.00$61,728.00$41,353.00$43,922.00
Fundraising service fees (total)$0.00$0.00$0.00$0.00$0.00
Assets and liabilities
Total assets$159,007,596.00$158,147,603.00$158,838,313.00$161,211,305.00$162,577,282.00
Total assets, beginning of year$158,147,603.00$158,838,313.00$161,211,305.00$162,577,282.00$166,690,132.00
Total liabilities$130,277,171.00$130,274,587.00$132,123,525.00$136,678,053.00$141,911,030.00
Total liabilities, beginning of year$130,274,587.00$132,123,525.00$136,678,053.00$141,911,030.00$148,626,564.00
Loans & receivables from key persons$1,170,919.00$1,203,555.00$1,238,238.00$1,271,962.00$74,263.00
Net assets$28,730,425.00$27,873,016.00$26,714,788.00$24,533,252.00$20,666,252.00
Net assets, beginning of year$27,873,016.00$26,714,788.00$24,533,252.00$20,666,252.00$18,063,568.00
Other liabilities$129,317,787.00$129,562,784.00$131,502,582.00$135,926,819.00$141,285,645.00
Other assets$1,705,882.00$2,328,821.00$1,940,637.00$2,765,516.00$4,440,785.00
Investments: publicly traded securities$19,541,625.00$18,519,952.00$17,373,789.00$1,571,211.00$129,989.00
Cash: non-interest bearing$299,969.00$367,006.00$369,769.00$452,455.00$575,888.00
Cash: non-interest bearing, beginning of year$367,006.00$369,769.00$452,455.00$575,888.00$632,201.00
Investments -- program-related$109,843,684.00$111,205,325.00$121,182,894.00$140,305,564.00$145,757,461.00
Other financial variables
Revenue less expenses$857,504.00$1,159,141.00$2,171,233.00$3,881,946.00$2,603,841.00
Advertising (total)$153,705.00$145,652.00$188,906.00$104,335.00$146,892.00
Savings & temp cash investment$21,101,219.00$19,172,304.00$11,469,067.00$9,718,755.00$6,220,148.00
Prepaid expenses & deferred charges$249,168.00$73,425.00$208,531.00$144,630.00$154,679.00
Accounts payable & accrued expenses$959,384.00$711,803.00$620,943.00$751,234.00$625,385.00
Total net assets or fund balances$28,730,425.00$27,873,016.00$26,714,788.00$24,533,252.00$20,666,252.00
Depreciation, depletion, amortization$307,267.00$444,863.00$489,494.00$452,405.00$431,271.00
Governance and accountability
Number of voting members87777
Number of independent voting members87777
Financial sheets auditedTrueTrueTrueTrueTrue
Accrual accountingTrueTrueTrueTrueTrue
Tax year start date2016-01-012015-01-012014-01-012013-01-012012-01-01
Tax year end date2016-12-012015-12-012014-12-012013-12-012012-12-01
Indicators for schedules (selected)
Outstanding loan to key person or disqualified personTrueTrueTrueTrueTrue
Metadata about the filing
E-return type: 990, 990EZ, or 990PF990990990990990
Date e-filing submitted2018-01-172017-02-272016-02-092014-12-292014-01-14
IRS schema version2016v3.02015v2.12014v5.02013v3.02012v2.1
Filing identifier201723179349307997201623129349301797201503099349301870201443189349307824201303109349301915
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