{"success":true,"data":{"_id":941651781,"filings":[{"Organization":{"value":null,"Person":["MICAL BRENZEL","BARBARA KAMM","KIRK BLOEDE","MADONNA BOLANO","KAREN BROCHIER","PETER DONAHOWER","DEEPTI JAGGI","SUNIL NAGDEV","CAROL MACKINLAY","LINDA ITSKOVITZ","ROBERT HERB","JESSICA CASSINELLI","FIRASAT ALI","FAISAL JEDDY","JEFF LEE","BOB LUONG","TODD HARRIS","RICHARD HANZ","SUNDER SRINIVASAN","JEANNINE M JACOBSEN","ROBERT REED","DOUGLAS STOVELAND","JOSEPH ANZALONE","KAMRAN NAQVI","M ANGELES HERNANDEZ","FAWZIA SARWAR-SHAYEK","JOSHUA BLUHM","JEANNINE L CREIGHTON-BOETTCHER","FRANCA LOVELACE","NATALIA LAU","PAULETTE MEHAS","BRENDA JAIMES","FRED D ABAJELO","AZAD RAD","TERESA WU","NIKI WONG","DEBORAH KRUMWIEDE"],"Title":["BOARD CHAIRMAN","BOARD VICE CHAIR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SUPV CMTE CHAIRMAN","SUPV CMTE VICE CHAIR","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","PRESIDENT/CEO, SECRETARY/TREASURER","EVP, CHIEF FINANCIAL OFFICER","EVP, CHIEF INFORMATION OFFICER","EVP, CHIEF OPERATING OFFICER","EVP, CHIEF RETAIL BANKING OFFICER","EVP, CHIEF CREDIT OFFICER","EVP,CHIEF COMMERCIAL BANKING OFFICER","SVP, HEAD OF DIGITAL","SVP, HEAD OF EMERGING RETAIL LENDING PRODUCTS & ST","SVP, RETAIL BANKING","SVP,HEAD OF RETAIL CREDIT RISK & OPS","HEAD OF HR & CORPORATE SERVICES","HEAD OF ENTERPRISE RISK MANAGEMENT","SVP, CONTROLLER","SVP, TREASURY","HEAD OF BUSINESS PROCESS SERVICES","SR. FINANCIAL ADVISOR","SVP, WEALTH MANAGEMENT","SVP, COMMERCIAL CREDIT ADMIN","SVP, COMMERCIAL/SBA LENDING & OPS","SR. FINANCIAL ADVISOR"],"Hours":[3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,2.0,1.5,1.5,1.5,1.5,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[10919,11652,5747,14765,17483,6588,17920,0,4189,0,13851,0,15794,4714,8481,6000,1001927,496511,557283,510344,435558,461324,451918,336107,323920,338966,312279,318568,309072,271736,265493,288891,557045,341940,301576,313333,289367],"Direct compensation":[10919,11652,5747,14765,17483,6588,17920,0,4189,0,13851,0,15794,4714,8481,6000,933805,429541,489764,473692,416716,404118,386106,318588,291686,290164,281269,268051,258983,257343,248541,247620,521843,284543,270546,268452,258740],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,68122,66970,67519,36652,18842,57206,65812,17519,32234,48802,31010,50517,50089,14393,16952,41271,35202,57397,31030,44881,30627]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2024,"name":"TECHNOLOGY CREDIT UNION","phone":4084519111,"website":"WWW.TECHCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TODD HARRIS","year_formation":1960,"state_legal_domicile":"CA","total_volunteers":15,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"2010 NORTH FIRST STREET SUITE 301, SAN JOSE, CA, 95131, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95131},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":10,"Number of employees total":374,"Total Gross UBI":4507515,"Net unrelated business taxable income":1049007,"Number of employees":374,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":239450752,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":187716761,"Total revenue":{"value":187716761,"INTEREST ON LOANS":175430906,"OTHER OPERATING INCOME":8079281,"FEE INCOME":4206574},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":51411973,"Investment income total":51411973,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":322018,"Other total":322018,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":238575988,"Grant expense":{"value":72770,"Grants to domestic orgs":72770,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":55141398,"Current officers":7738214,"Disqualified persons":0,"Other salaries and wages":36042236,"Pension plan contributions":2836731,"Other employee benefits":5465077,"Payroll taxes":3059140},"Other expenses":{"value":183361820,"Management services":0,"Legal":867076,"Accounting":650193,"Lobbying services":0,"Investment management fees":0,"Other services":1999038,"Advertising":4354437,"Office expenses":6064279,"Information technology":9806895,"Royalties":0,"Occupancy":3510532,"Travel":329602,"Conferences and meetings":0,"Interest":125344748,"Payments to affiliates":0,"Depreciation and depletion":2726731,"Insurance":77633,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":27599253,"PROVISION FOR LOAN & LE":22946844,"LOAN SERVICING EXPENSE":3522619,"MISCELLANEOUS OPERATING":676054,"OPERATING FEES":453736},"All other expenses":31403},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":4768851732,"Non-interest bearing cash":6219053,"Savings and temp cash investments":520123723,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":26624236,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1229578,"Land, building, equipment":20461593,"Investments publicly traded":858242613,"Investments other":0,"Investments program related":3291883413,"Intangible assets":0,"Other assets":44067523},"Liabilities":{"value":4349076726,"Sum of Total Liabilities":0,"Accounts payable, accrued":30554291,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":4318522435},"Fund balance":{"value":419775006,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.0036532104939891773,"percentile":0.4064783940420802},"Liabilities to Assets Ratio":{"score":0.911975664249903,"percentile":0.06267032428596946},"Operating Reserve Ratio":{"score":19.98881686282695,"percentile":0.9459232024839443},"Officer Compensation Ratio":{"score":0.03613633154062428,"percentile":0.8274628128194371},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.1404337093430177,"percentile":0.8357064726384164},"Asset Growth":{"score":0.10203097921831887,"percentile":0.688009258649214},"Independent Voting Board Pct":{"score":0.9090909090909091,"percentile":0.24395594109922106},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.539549772647544,"percentile":0.4270946845471637}},"source_xml":"202513109349304431_public.xml"},{"Organization":{"value":null,"Person":["MICAL BRENZEL","ROBERT E BYLIN","KIRK BLOEDE","KAREN BROCHIER","PETER DONAHOWER","ROBERT R HERB","JOHN W WEDGWOOD","JOE SHEPELA","SUNIL NAGDEV","BARBARA KAMM","BOB LUONG","JEFF LEE","FAISAL JEDDY","FIRASAT ALI","JESSICA CASSINELLI","TODD HARRIS","JEANNINE M JACOBSEN","JOSEPH ANZALONE","RICHARD HANZ","MICHAEL FLOYD","ROBERT REED","REBECCA NELSON","M ANGELES HERNANDEZ","MARY K DUGGAN","JEANNIE SUGAOKA","DEAN SCOTT KALANIOUMI DAVIS","FRED ABAJELO","BRIAN EVANS","ROBERT SHERRARD","NIKI WONG","SHOU MEI WU","DEBRA SPRINGER-BOWMAN FORMER"],"Title":["CHAIRMAN","VICE-CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SUPV CMTE CHAIRPERSON","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","CEO, BOARD SECRETARY/TREAS","EVP, CHIEF OPERATING OFFIC","EVP, CHIEF COMMERCIAL BANKING","SVP, CHIEF FINANCIAL OFFIC","EVP, CHIEF CREDIT OFFICER","EVP, CHIEF RETAIL BANKING OFFICER","SVP, WEALTH MANAGEMENT","SVP, LOAN ADMINISTRATION","SVP, MARKETING","SVP, SUPPORT SERVICES","SVP, INFORMATION TECHNOLOG","SENIOR FINANCIAL ADVISOR","VP, SBA BUSINESS DEVELOPME","SVP, COMMERCIAL REAL ESTATE LENDING MANAGER","SVP, COMMERCIAL/SBA LENDING & OPERATINGS MGR","SVP, COMMERCIAL CREDIT ADM","SVP, RETAIL BANKING"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,0.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,85000,0,0,0,0,0,758473,384198,392505,332836,214805,81129,255109,265809,245041,246568,262896,435353,275183,272927,266005,234584,148976],"Direct compensation":[0,0,0,0,0,0,0,0,0,85000,0,0,0,0,0,588067,360899,348560,287264,193025,78419,226584,243688,218598,222829,216860,401967,252456,249625,242882,223347,148976],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,170406,23299,43945,45572,21780,2710,28525,22121,26443,23739,46036,33386,22727,23302,23123,11237,0]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2017,"name":"TECHNOLOGY CREDIT UNION","phone":4084519111,"website":"WWW.TECHCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TODD HARRIS","year_formation":1960,"state_legal_domicile":"CA","total_volunteers":15,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"2010 NORTH FIRST STREET SUITE 301, SAN JOSE, CA, 95131, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95131},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":10,"Number of employees total":298,"Total Gross UBI":4299897,"Net unrelated business taxable income":118558,"Number of employees":298,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":92439784,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":78057664,"Total revenue":{"value":78057664,"INTEREST ON LOANS":65678596,"OTHER OPERATING INCOME":9105407,"FEE INCOME":3273661},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":13924133,"Investment income total":14083654,"Net investment gain":-159521,"Income from invest bond proceeds":0},"Other revenues":{"value":457987,"Other total":457987,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":64645656,"Grant expense":{"value":23868,"Grants to domestic orgs":23868,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":28069098,"Current officers":4589046,"Disqualified persons":0,"Other salaries and wages":18562293,"Pension plan contributions":1055468,"Other employee benefits":2324017,"Payroll taxes":1538274},"Other expenses":{"value":36552690,"Management services":0,"Legal":312059,"Accounting":395904,"Lobbying services":0,"Investment management fees":0,"Other services":1684654,"Advertising":1785775,"Office expenses":8824059,"Information technology":624355,"Royalties":0,"Occupancy":2863598,"Travel":379912,"Conferences and meetings":0,"Interest":12021588,"Payments to affiliates":0,"Depreciation and depletion":2679878,"Insurance":128353,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":4852555,"LOAN SERVICING EXPENSE":2277562,"PROVISION FOR LOAN & LE":1861574,"MISC OPERATING EXPENSES":501783,"OPERATING FEES":211636},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":2486059659,"Non-interest bearing cash":6717854,"Savings and temp cash investments":198966789,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":844857,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":309387,"Land, building, equipment":21862212,"Investments publicly traded":366737612,"Investments other":0,"Investments program related":1878205734,"Intangible assets":0,"Other assets":12415214},"Liabilities":{"value":2233074386,"Sum of Total Liabilities":0,"Accounts payable, accrued":12155414,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2220918972},"Fund balance":{"value":252985273,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.3006727925716486,"percentile":0.8357369618024737},"Liabilities to Assets Ratio":{"score":0.8982384545422528,"percentile":0.06495367343293464},"Operating Reserve Ratio":{"score":38.456716395607465,"percentile":0.9752007726353855},"Officer Compensation Ratio":{"score":0.0797794827853553,"percentile":0.6252208130020948},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10394480884332588,"percentile":0.7726685687616869},"Asset Growth":{"score":0.08786434668732292,"percentile":0.6512603498852061},"Independent Voting Board Pct":{"score":0.9090909090909091,"percentile":0.24395594109922106},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6007675893847607,"percentile":0.6077608455192333}},"source_xml":"201803189349313065_public.xml"},{"Organization":{"value":null,"Person":["MICAL BRENZEL","PETER DONAHOWER","KIRK BLOEDE","KAREN BROCHIER","JOHN PAUL BRUNO","ROBERT BYLIN","JOE SHEPELA","JOHN WEDGWOOD","TOM HALL","STEVEN FISHER","JEFF LEE","BOB LUONG","KAREN ROGGE","BARBARA BALDWIN KAMM","TODD MARSHALL HARRIS","JOSEPH ANZALONE","ALVIN CADMAN III","JEANNINE JACOBSEN","REBECCA M NELSON","DEBRA L SPRINGER-BOWMAN","M ANGELES HERNANDEZ","JEANNIE N SUGAOKA","DEBORAH R KRUMWIEDE","FRED D ABAJELO","BAHMAN NOSRATI SHAMLOU","TREVOR JOHNSON","BRIAN EVANS"],"Title":["CHAIRMAN","VICE-CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SUPV CMTE CHAIR","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","CEO/BOARD TREASURER & SECR","EVP CFO/CAO","EVP, CHIEF BANK OFFICER","EVP, CHIEF CREDIT OFFICER","SVP HUMAN RESOURCES","SVP WEALTH MANAGEMENT","SVP RETAIL BANKING","SVP LOAN ADMIN","SVP SUPPORT SERVICES","FINANCIAL ADVISOR","FINANCIAL ADVISOR","AVP, MORTGAGE ORIGINATIONS","FINANCIAL ADVISOR","VP, SBA BUSINESS DEVELOPMENT"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,891902,407513,355605,337911,260357,247739,245890,210590,211076,326597,328414,299474,250426,230635],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,675006,370592,320319,307542,241014,219664,214667,192997,190254,306440,301302,266738,233066,221743],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,216896,36921,35286,30369,19343,28075,31223,17593,20822,20157,27112,32736,17360,8892]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2014,"name":"TECHNOLOGY CREDIT UNION","phone":4084519111,"website":"WWW.TECHCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TODD HARRIS","year_formation":1960,"state_legal_domicile":"CA","total_volunteers":14,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"2010 NORTH FIRST STREET NO 301, SAN JOSE, CA, 95131, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95131},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":268,"Total Gross UBI":296829,"Net unrelated business taxable income":-2372,"Number of employees":268,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":59113306,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":47220205,"Total revenue":{"value":47220205,"INTEREST ON LOANS":36747246,"OTHER OPERATING INCOME":7436607,"FEE INCOME":3036352},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":9959475,"Investment income total":9835305,"Net investment gain":124170,"Income from invest bond proceeds":0},"Other revenues":{"value":1933626,"Other total":1933626,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":44477241,"Grant expense":{"value":7635,"Grants to domestic orgs":7635,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":23931986,"Current officers":4061344,"Disqualified persons":0,"Other salaries and wages":15595740,"Pension plan contributions":749800,"Other employee benefits":2250170,"Payroll taxes":1274932},"Other expenses":{"value":20537620,"Management services":0,"Legal":471771,"Accounting":236286,"Lobbying services":0,"Investment management fees":0,"Other services":1114530,"Advertising":645047,"Office expenses":6792381,"Information technology":627523,"Royalties":0,"Occupancy":2829692,"Travel":256004,"Conferences and meetings":0,"Interest":3403164,"Payments to affiliates":0,"Depreciation and depletion":2234455,"Insurance":131638,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1795129,"LOAN SERVICING EXPENSE":1120544,"MISC OPERATING EXPENSES":511430,"OPERATING FEES":163155},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1828556311,"Non-interest bearing cash":8751439,"Savings and temp cash investments":110458736,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":251943,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":275347,"Land, building, equipment":16622207,"Investments publicly traded":597460494,"Investments other":0,"Investments program related":1082571341,"Intangible assets":0,"Other assets":12164804},"Liabilities":{"value":1632337659,"Sum of Total Liabilities":0,"Accounts payable, accrued":11162078,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1621175581},"Fund balance":{"value":196218652,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.247593409849214,"percentile":0.7989246902028847},"Liabilities to Assets Ratio":{"score":0.8926920375273036,"percentile":0.065864186302609},"Operating Reserve Ratio":{"score":41.112179395300174,"percentile":0.9768664089733379},"Officer Compensation Ratio":{"score":0.10351651533421329,"percentile":0.5405140883212938},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5609612448178335,"percentile":0.4898690760287762}},"source_xml":"201533149349303883_public.xml"},{"Organization":{"value":null,"Person":["MICAL BRENZEL","BARBARA KAMM","KIRK BLOEDE","MADONNA BOLANO","KAREN BROCHIER","PETER DONAHOWER","ROBERT R HERB","DEEPTI JAGGI","SUNIL NAGDEV","CAROL MACKINLAY","JOE SHEPELA FORMER","JEFF LEE","FIRASAT ALI","JESSICA CASSINELLI","FAISAL JEDDY","BOB LUONG","TODD HARRIS","JEANNINE M JACOBSEN","RICHARD HANZ","SUNDER SRINIVASAN","ROBERT REED","JOSEPH ANZALONE","DOUGLAS STOVELAND","FAWZIA SARWAR-SHAYEK","M ANGELES HERNANDEZ","FRANCA LOVELACE","NATALIA LAU","JEANNINE L CREIGHTON-BOETTCHER","JOSHUA BLUHM","FRED D ABAJELO","NIKI WONG","SHOU MEI TERESA WU","HENRY S NOON IV","AZAD RAD"],"Title":["CHAIRMAN","VICE CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SUPV CMTE CHAIRMAN","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","CEO, SECRETARY/TREASURER","EVP, CHIEF OPERATING OFFICER","EVP, CHIEF FINANCIAL OFFICER","EVP, CHIEF INFORMATION OFFICER","EVP, CHIEF RETAIL BANKING OFFICER","EVP, CHIEF COMMERCIAL BANKING OFFICER","EVP, CHIEF CREDIT OFFICER","SVP, RETAIL BANKING","SVP, HEAD OF EMERGING RETAIL LENDING","HEAD OF ENTERPRISE RISK MANAGEMENT","SVP, CONTROLLER","HEAD OF HUMAN RESOURCES & CORPORATE SERVICES","SVP, HEAD OF RETAIL CREDIT RISK & OPERATIONS","SR. FINANCIAL ADVISOR","SVP, COMMERCIAL/SBA LENDING & OPERATIONS MANAGER","SVP, COMMERCIAL CREDIT ADMINISTRATION","SVP HEAD OF ASSET-BASED LENDING","SVP WEALTH MANAGEMENT"],"Hours":[3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,2.0,1.5,1.5,1.5,1.5,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[12102,12449,5049,13145,17710,5694,16581,0,2947,0,9548,8610,14369,0,4974,5723,1079655,541318,536526,524345,472103,486382,466633,361063,333448,329346,284636,318418,288376,586989,336130,328211,339097,329937],"Direct compensation":[12102,12449,5049,13145,17710,5694,16581,0,2947,0,9548,8610,14369,0,4974,5723,1014556,506317,471211,459926,454011,421947,401232,312633,301610,289634,266338,268792,258845,553340,291518,289663,273205,269918],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,65099,35001,65315,64419,18092,64435,65401,48430,31838,39712,18298,49626,29531,33649,44612,38548,65892,60019]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2023,"name":"TECHNOLOGY CREDIT UNION","phone":4084519111,"website":"WWW.TECHCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TODD HARRIS","year_formation":1960,"state_legal_domicile":"CA","total_volunteers":15,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"2010 NORTH FIRST STREET SUITE 301, SAN JOSE, CA, 95131, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95131},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":10,"Number of employees total":369,"Total Gross UBI":3226101,"Net unrelated business taxable income":1034519,"Number of employees":369,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":235250527,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":201781629,"Total revenue":{"value":201781629,"INTEREST ON LOANS":189385210,"OTHER OPERATING INCOME":8663444,"FEE INCOME":3732975},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":32926101,"Investment income total":32926101,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":542797,"Other total":542797,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":218781071,"Grant expense":{"value":29623,"Grants to domestic orgs":29623,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":53685365,"Current officers":7233597,"Disqualified persons":0,"Other salaries and wages":34690264,"Pension plan contributions":4591724,"Other employee benefits":4365580,"Payroll taxes":2804200},"Other expenses":{"value":165066083,"Management services":0,"Legal":1575201,"Accounting":442750,"Lobbying services":0,"Investment management fees":0,"Other services":8837067,"Advertising":4670381,"Office expenses":6773541,"Information technology":8412835,"Royalties":0,"Occupancy":3446837,"Travel":217275,"Conferences and meetings":0,"Interest":105312735,"Payments to affiliates":0,"Depreciation and depletion":2893681,"Insurance":91569,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":22376514,"PROVISION FOR LOAN & LE":16590238,"LOAN SERVICING EXPENSE":4394014,"MISCELLANEOUS OPERATING":954140,"OPERATING FEES":438122},"All other expenses":15697},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":4826094258,"Non-interest bearing cash":8210298,"Savings and temp cash investments":590887498,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":24509472,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":556824,"Land, building, equipment":21771052,"Investments publicly traded":616064532,"Investments other":0,"Investments program related":3521883119,"Intangible assets":0,"Other assets":42211463},"Liabilities":{"value":4415404493,"Sum of Total Liabilities":0,"Accounts payable, accrued":56604928,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":4358799565},"Fund balance":{"value":410689765,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.07000815772880288,"percentile":0.5673330168939114},"Liabilities to Assets Ratio":{"score":0.9149022495117625,"percentile":0.0621920233746782},"Operating Reserve Ratio":{"score":22.059011942582547,"percentile":0.9519604774123586},"Officer Compensation Ratio":{"score":0.036893109459181686,"percentile":0.8234687653079514},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.14892962329208115,"percentile":0.8469443434230599},"Asset Growth":{"score":0.11052855187570103,"percentile":0.7077307085541295},"Independent Voting Board Pct":{"score":0.9090909090909091,"percentile":0.24395594109922106},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5721642000363862,"percentile":0.5233355124997425}},"source_xml":"202412969349301841_public.xml"},{"Organization":{"value":null,"Person":["MICAL BRENZEL","BARBARA KAMM","KIRK BLOEDE","MADONNA BOLANO","KAREN BROCHIER","PETER DONAHOWER","ROBERT R HERB","DEEPTI JAGGI","SUNIL NAGDEV","JOE SHEPELA","JEFF LEE","FIRASAT ALI","JESSICA CASSINELLI","FAISAL JEDDY","BOB LUONG","TODD HARRIS","JEANNINE M JACOBSEN","RICHARD HANZ","ROBERT REED","JOSEPH ANZALONE","DOUGLAS STOVELAND","SUNDER SRINIVASAN","FAWZIA SARWAR-SHAYEK","M ANGELES HERNANDEZ","FRANCA COZZITORTO","NATALIA LAU","JEANNINE L CREIGHTON-BOETTCHER","FRED D ABAJELO","NIKI WONG","SHOU MEI WU","HENRY S NOON IV","AZAD RAD"],"Title":["CHAIRMAN","VICE CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SUPV CMTE CHAIRMAN","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","CEO, SECRETARY/TREASURER","EVP, CHIEF OPERATING OFFICER","EVP, CHIEF FINANCIAL OFFICER","EVP, CHIEF RETAIL BANKING OFFICER","EVP, CHIEF COMMERCIAL BANKING OFFICER","EVP, CHIEF CREDIT OFFICER","EVP, CHIEF INFORMATION OFFICER","SVP, RETAIL BANKING","SVP, HEAD OF EMERGING RETAIL LENDING PROD. & STR","HEAD OF ENTERPRISE RISK MANAGEMENT","SVP, CONTROLLER","HEAD OF HUMAN RESOURCES & CORPORATE SERVICES","SR. FINANCIAL ADVISOR","SVP, COMMERCIAL/SBA LENDING","SVP, COMMERCIAL CREDIT ADMINISTRATION","SVP, HEAD OF ASSET-BASED LENDING","SVP, WEALTH MANAGEMENT"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,338,0,1559,0,0,0,0,0,996009,533348,519456,471007,482853,405182,226446,363060,338503,309088,282692,311238,349548,332954,333948,336702,315023],"Direct compensation":[0,0,0,0,0,0,0,338,0,1559,0,0,0,0,0,935585,502292,458815,454165,422062,344455,207535,317208,307467,280067,264722,263520,318452,290475,289602,274471,259092],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,60424,31056,60641,16842,60791,60727,18911,45852,31036,29021,17970,47718,31096,42479,44346,62231,55931]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2022,"name":"TECHNOLOGY CREDIT UNION","phone":4084519111,"website":"WWW.TECHCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TODD HARRIS","year_formation":1960,"state_legal_domicile":"CA","total_volunteers":15,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"2010 NORTH FIRST STREET SUITE 301, SAN JOSE, CA, 95131, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95131},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":10,"Number of employees total":361,"Total Gross UBI":3929889,"Net unrelated business taxable income":1572719,"Number of employees":361,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":196279690,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":163656583,"Total revenue":{"value":163656583,"INTEREST ON LOANS":151319263,"OTHER OPERATING INCOME":7968647,"FEE INCOME":4368673},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":27917177,"Investment income total":18340546,"Net investment gain":9576631,"Income from invest bond proceeds":0},"Other revenues":{"value":4705930,"Other total":4705930,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":137568880,"Grant expense":{"value":43467,"Grants to domestic orgs":43467,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":46920995,"Current officers":6191882,"Disqualified persons":0,"Other salaries and wages":32152542,"Pension plan contributions":1936475,"Other employee benefits":4034253,"Payroll taxes":2605843},"Other expenses":{"value":90604418,"Management services":0,"Legal":596022,"Accounting":422068,"Lobbying services":0,"Investment management fees":0,"Other services":7053029,"Advertising":4228635,"Office expenses":2088852,"Information technology":8361892,"Royalties":0,"Occupancy":3281076,"Travel":378500,"Conferences and meetings":0,"Interest":36983373,"Payments to affiliates":0,"Depreciation and depletion":2939672,"Insurance":130074,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":24127553,"PROVISION FOR LOAN & LE":17483333,"LOAN SERVICING EXPENSE":5884969,"OPERATING FEES":398091,"MISCELLANEOUS OPERATING":361160},"All other expenses":13672},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":4544569780,"Non-interest bearing cash":14093862,"Savings and temp cash investments":124967429,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":24303856,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":513384,"Land, building, equipment":21043640,"Investments publicly traded":683102818,"Investments other":0,"Investments program related":3627119857,"Intangible assets":0,"Other assets":49424934},"Liabilities":{"value":4154677687,"Sum of Total Liabilities":0,"Accounts payable, accrued":41608275,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":4113069412},"Fund balance":{"value":389892093,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.29911811048815085,"percentile":0.8347880511441649},"Liabilities to Assets Ratio":{"score":0.9142070400776199,"percentile":0.0623050949391462},"Operating Reserve Ratio":{"score":33.034867914894704,"percentile":0.9706733216672773},"Officer Compensation Ratio":{"score":0.05022177980950343,"percentile":0.7556573792933691},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.14564263641556008,"percentile":0.8427509994117895},"Asset Growth":{"score":0.11292247961652127,"percentile":0.7130441145589623},"Independent Voting Board Pct":{"score":0.9090909090909091,"percentile":0.24395594109922106},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6191631805452841,"percentile":0.6603692157180759}},"source_xml":"202313179349308976_public.xml"},{"Organization":{"value":null,"Person":["MICAL BRENZEL","ROBERT E BYLIN","KIRK BLOEDE","KAREN BROCHIER","PETER DONAHOWER","ROBERT R HERB","JOHN W WEDGWOOD","JOE SHEPELA","TOM L HALL","FAISAL JEDDY","JEFF LEE","BOB LUONG","KAREN ROGGE","BARBARA BALDWIN KAMM","TODD MARSHALL HARRIS","JOSEPH L ANZALONE","ALVIN O CADMAN III","JEANNINE M JACOBSEN","DEBRA L SPRINGER-BOWMAN","REBECCA M NELSON","M ANGELES HERNANDEZ","JEANNIE N SUGAOKA","MARY K DUGGAN","BRIAN EVANS","FRED D ABAJELO","DEBORAH RUTH KRUMWIEDE","NIKI WONG","ROBERT CAMERON SHERRARD"],"Title":["CHAIRMAN","VICE-CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SUPV CMTE CHAIR","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","PRESIDENT/CEO/TREASURER/SECRETARY","EVP, CFO/CAO","EVP, CHIEF BANKING OFFICER","EVP, CHIEF CREDIT OFFICER","SVP, HUMAN RESOURCES","SVP, RETAIL BANKING","SVP, WEALTH MANAGEMENT","SVP, LOAN ADMINISTRATION","SVP, SUPPORT SERVICES","SVP, MARKETING","VP, SBA BUSINESS DEVELOPMENT OFFICER","FINANCIAL ADVISOR","FINANCIAL ADVISOR","SVP, COMMERCIAL/SBA LENDING & OPERATIONS MGR","SVP, COMMERCIAL REAL ESTATE LENDING MANAGER"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,1622396,427420,363451,344143,286286,259833,258244,226487,217253,213960,420850,316359,281563,233809,232755],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,1458318,387764,325467,310930,265100,230099,229939,207478,196403,188796,410498,286798,258112,214842,213106],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,164078,39656,37984,33213,21186,29734,28305,19009,20850,25164,10352,29561,23451,18967,19649]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2015,"name":"TECHNOLOGY CREDIT UNION","phone":4084519111,"website":"WWW.TECHCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TODD HARRIS","year_formation":1960,"state_legal_domicile":"CA","total_volunteers":13,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"2010 NORTH FIRST STREET SUITE 301, SAN JOSE, CA, 95131, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95131},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":279,"Total Gross UBI":1311065,"Net unrelated business taxable income":0,"Number of employees":279,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":64511413,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":51624281,"Total revenue":{"value":51624281,"INTEREST ON LOANS":42152485,"OTHER OPERATING INCOME":6258973,"FEE INCOME":3212823},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":11898688,"Investment income total":11078363,"Net investment gain":820325,"Income from invest bond proceeds":0},"Other revenues":{"value":988444,"Other total":988444,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":49457977,"Grant expense":{"value":5307,"Grants to domestic orgs":5307,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":25688703,"Current officers":5183652,"Disqualified persons":0,"Other salaries and wages":15673351,"Pension plan contributions":770532,"Other employee benefits":2702896,"Payroll taxes":1358272},"Other expenses":{"value":23763967,"Management services":0,"Legal":346803,"Accounting":414468,"Lobbying services":0,"Investment management fees":0,"Other services":1232823,"Advertising":1960091,"Office expenses":7340177,"Information technology":696505,"Royalties":0,"Occupancy":3190958,"Travel":336432,"Conferences and meetings":0,"Interest":4151510,"Payments to affiliates":0,"Depreciation and depletion":2229079,"Insurance":159028,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1706093,"LOAN SERVICING EXPENSE":1128871,"MISC OPERATING EXPENSES":404174,"OPERATING FEES":173048},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":2065689522,"Non-interest bearing cash":9537601,"Savings and temp cash investments":172557704,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":131251,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":282812,"Land, building, equipment":18327185,"Investments publicly traded":512692555,"Investments other":0,"Investments program related":1342244493,"Intangible assets":0,"Other assets":9915921},"Liabilities":{"value":1858488026,"Sum of Total Liabilities":0,"Accounts payable, accrued":9432341,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1849055685},"Fund balance":{"value":207201496,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.2333453151925226,"percentile":0.7872271652578047},"Liabilities to Assets Ratio":{"score":0.8996937856375494,"percentile":0.06471442055739365},"Operating Reserve Ratio":{"score":41.76655915384489,"percentile":0.9772412882995817},"Officer Compensation Ratio":{"score":0.11534659009607287,"percentile":0.5036260461908811},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.013992064127887099,"percentile":0.43435910400517824},"Asset Growth":{"score":0.08049132232434582,"percentile":0.6301390563657839},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5480774249967758,"percentile":0.4516618027059127}},"source_xml":"201633209349314553_public.xml"},{"Organization":{"value":null,"Person":["MICAL BRENZEL","ROBERT E BYLIN","KIRK BLOEDE","KAREN BROCHIER","PETER DONAHOWER","ROBERT R HERB","JOE SHEPELA","SUNIL NAGDEV","BARBARA KAMM","DEEPTI JAGGI","JEFF LEE","FAISAL JEDDY","FIRASAT ALI","JESSICA CASSINELLI","BOB LUONG","TODD HARRIS","JEANNINE M JACOBSEN","ROBERT REED","RICHARD HANZ","JOSEPH ANZALONE","MICHAEL FLOYD","M ANGELES HERNANDEZ","FAWZIA SARWAR-SHAYEK","STEVE SHEAD","FRANCA COZZITORTO","NATALIA LAU","HERMELINDA NEGRETE","NIKI WONG","SHOU MEI WU","TROY HALL","DANIEL A HAPNER"],"Title":["CHAIRMAN","VICE CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","FORMER CEO/DIRECTOR","DIRECTOR","SUPV CMTE CHAIRMAN","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","CEO, SECRETARY/TREASURER","EVP, CHIEF OPERATING OFFICER","EVP, CHIEF RETAIL BANKING","EVP, CHIEF FINANCIAL OFFICER","EVP, CHIEF COMMERCIAL BANK","EVP, CHIEF CREDIT OFFICER","SVP, LOAN ADMINISTRATOR","SVP, RETAIL BANKING","CHIEF TECHNOLOGY AND INFORMATION OFFICER","HEAD OF ENTERPRISE RISK MANAGEMENT","SVP, CONTROLLER","SENIOR MORTGAGE ORIGINATOR","SVP, COMMERCIAL/SBA LENDING & OPERATIONS MGR","SVP, COMMERCIAL CREDIT ADMINISTRATION","MORTGAGE ORIGINATOR","VP, MORTGAGE & INDIRECT LENDING"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,964408,488411,440446,474548,455817,398919,331062,341770,318985,267564,255259,438110,328962,292034,301930,262060],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,907029,458538,423889,414213,400612,377857,301200,295266,274462,240807,238226,405058,278083,276023,274637,248864],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,57379,29873,16557,60335,55205,21062,29862,46504,44523,26757,17033,33052,50879,16011,27293,13196]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2020,"name":"TECHNOLOGY CREDIT UNION","phone":4084519111,"website":"WWW.TECHCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TODD HARRIS","year_formation":1960,"state_legal_domicile":"CA","total_volunteers":15,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"2010 NORTH FIRST STREET SUITE 301, SAN JOSE, CA, 95131, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95131},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":10,"Number of employees total":305,"Total Gross UBI":1330115,"Net unrelated business taxable income":6755,"Number of employees":305,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":137209016,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":126131156,"Total revenue":{"value":126131156,"INTEREST ON LOANS":112546902,"OTHER OPERATING INCOME":8484523,"FEE INCOME":5099731},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":10573022,"Investment income total":9914659,"Net investment gain":658363,"Income from invest bond proceeds":0},"Other revenues":{"value":504838,"Other total":504838,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":100803253,"Grant expense":{"value":50291,"Grants to domestic orgs":50291,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":35917593,"Current officers":5814764,"Disqualified persons":0,"Other salaries and wages":23602128,"Pension plan contributions":1504411,"Other employee benefits":2923738,"Payroll taxes":2072552},"Other expenses":{"value":64835369,"Management services":0,"Legal":610199,"Accounting":353854,"Lobbying services":0,"Investment management fees":0,"Other services":4136498,"Advertising":2136547,"Office expenses":6499501,"Information technology":2628361,"Royalties":0,"Occupancy":3355305,"Travel":175268,"Conferences and meetings":0,"Interest":23695013,"Payments to affiliates":0,"Depreciation and depletion":2994922,"Insurance":131990,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":18117911,"PROVISION FOR LOAN & LE":13603766,"LOAN SERVICING EXPENSE":4191073,"OPERATING FEES":321104,"LOSS ON DISPOSITION OF":1968},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":3691098663,"Non-interest bearing cash":12407008,"Savings and temp cash investments":292986401,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":2413056,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":438038,"Land, building, equipment":22395255,"Investments publicly traded":621072425,"Investments other":0,"Investments program related":2723165511,"Intangible assets":0,"Other assets":16220969},"Liabilities":{"value":3324529939,"Sum of Total Liabilities":0,"Accounts payable, accrued":19535623,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":5000000,"Unsecured notes loans payable":0,"Other liabilities":3299994316},"Fund balance":{"value":366568724,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.26533069080533306,"percentile":0.8122671159046679},"Liabilities to Assets Ratio":{"score":0.9006884514698761,"percentile":0.06455116324420344},"Operating Reserve Ratio":{"score":36.616860598734846,"percentile":0.9738600990772714},"Officer Compensation Ratio":{"score":0.06309602925215121,"percentile":0.6951835537841133},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.1361044100621516,"percentile":0.8296264317856484},"Asset Growth":{"score":0.10519790154452853,"percentile":0.6955725635137336},"Independent Voting Board Pct":{"score":0.9090909090909091,"percentile":0.24395594109922106},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6090960152477997,"percentile":0.631864199202341}},"source_xml":"202123139349305522_public.xml"},{"Organization":{"value":null,"Person":["MICAL BRENZEL","PETER DONAHOWER","ROBERT BYLIN","JOHN WEDGWOOD","BOB HOWARD-ANDERSON","JOE SHEPELA","JOHN PAUL BRUNO","KAREN BROCHIER","TOM HALL","BOB LUONG","STEVEN FISHER","JEFF LEE","KAREN ROGGE","BARBARA BALDWIN KAMM","TODD MARSHALL HARRIS","JOSEPH ANZALONE","ALVIN CADMAN III","JEANNINE JACOBSEN","REBECCA M NELSON","M ANGELES HERNANDEZ","JEANNIE N SUGAOKA","MICHAEL KENT LUCKIN FORMER","DEBRA L SPRINGER-BOWMAN","FRED D ABAJELO","DEBORAH R KRUMWIEDE","ROBERT CAMERON SHERRARD","BAHMAN NOSRATI SHAMLOU","RICHARD BRIAN HANZ"],"Title":["CHAIRMAN","VICE-CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SUPV CMTE CHAIR","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","CEO/BOARD TREASURER & SECR","EVP CFO/CAO","EVP CHIEF BANK OFFICER","EVP, CHIEF CREDIT OFFICER","SVP HUMAN RESOURCES","SVP WEALTH MANAGEMENT","SVP LOAN ADMIN","SVP SUPPORT SERVICES","SVP, ENTERPRISE RISK MANAGEMENT","SVP RETAIL BANKING","FINANCIAL ADVISOR","FINANCIAL ADVISOR","SVP RE LENDING & COMMERCIAL RE","AVP, MORGAGE ORIGINATIONS","SVP TREASURY & STRATEGIC PLANNING"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,852371,398158,345264,315079,250809,233589,219246,211298,223020,211637,350072,314247,222919,230762,226233],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,646681,362256,308820,285898,232137,207026,201601,190727,185160,179391,324092,292178,204797,200613,192804],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,205690,35902,36444,29181,18672,26563,17645,20571,37860,32246,25980,22069,18122,30149,33429]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2013,"name":"TECHNOLOGY CREDIT UNION","phone":4084519111,"website":"WWW.TECHCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TODD HARRIS","year_formation":1960,"state_legal_domicile":"CA","total_volunteers":13,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"2010 NORTH FIRST STREET NO 301, SAN JOSE, CA, 95131, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95131},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":301,"Total Gross UBI":321128,"Net unrelated business taxable income":-149563,"Number of employees":301,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":62772690,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":48334658,"Total revenue":{"value":48334658,"INTEREST ON LOANS":37156594,"OTHER OPERATING INCOME":7641915,"FEE INCOME":3536149},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":8958088,"Investment income total":8892948,"Net investment gain":65140,"Income from invest bond proceeds":0},"Other revenues":{"value":5479944,"Other total":5479944,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":45968658,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":23006655,"Current officers":4014181,"Disqualified persons":0,"Other salaries and wages":14900066,"Pension plan contributions":720638,"Other employee benefits":2114571,"Payroll taxes":1257199},"Other expenses":{"value":22962003,"Management services":0,"Legal":988840,"Accounting":244616,"Lobbying services":0,"Investment management fees":0,"Other services":1192254,"Advertising":680826,"Office expenses":6762333,"Information technology":631069,"Royalties":0,"Occupancy":2810947,"Travel":238223,"Conferences and meetings":0,"Interest":3408547,"Payments to affiliates":0,"Depreciation and depletion":2795454,"Insurance":1272223,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1936671,"LOAN SERVICING EXPENSE":1310716,"MISC OPERATING EXPENSES":471556,"OPERATING FEES":154399},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1762161707,"Non-interest bearing cash":5919076,"Savings and temp cash investments":159414805,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":886164,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":228049,"Land, building, equipment":17810844,"Investments publicly traded":636884697,"Investments other":0,"Investments program related":931866666,"Intangible assets":0,"Other assets":9151406},"Liabilities":{"value":1584024561,"Sum of Total Liabilities":0,"Accounts payable, accrued":8584802,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1575439759},"Fund balance":{"value":178137146,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.2676965412825227,"percentile":0.8139878316881948},"Liabilities to Assets Ratio":{"score":0.8989098756984849,"percentile":0.06483875831035031},"Operating Reserve Ratio":{"score":38.33398197093332,"percentile":0.9751126608368721},"Officer Compensation Ratio":{"score":0.10017051183003864,"percentile":0.5514442403519919},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5649418717102144,"percentile":0.50173496710152}},"source_xml":"201413219349311196_public.xml"},{"Organization":{"value":null,"Person":["MICAL BRENZEL","ROBERT E BYLIN","KIRK BLOEDE","KAREN BROCHIER","PETER DONAHOWER","ROBERT R HERB","JOHN W WEDGWOOD","JOE SHEPELA","SUNIL NAGDEV","BARBARA KAMM","BOB LUONG","JEFF LEE","FAISAL JEDDY","FIRASAT ALI","JESSICA CASSINELLI","TODD HARRIS","JEANNINE M JACOBSEN","JOSEPH ANZALONE","RICHARD HANZ","MICHAEL FLOYD","ROBERT REED","M ANGELES HERNANDEZ","FAWZIA SARWAR-SHAYEK","JEANNIE SUGAOKA FORMER","DEAN SCOTT KALANIOUMI DAVIS FORMER","RATNENDU S MUKHERJEE","FRANCA COZZITORTO","NATALIA LAU","FRED ABAJELO","NIKI WONG","SHOU MEI WU","MAYRA DEL CARMEN KOURY FORMER","JEFFREY PAUL JOHNSON"],"Title":["CHAIRMAN","VICE-CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","FORMER CEO/BOARD MEMBER","SUPV CMTE CHAIRPERSON","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","CEO, BOARD SECRETARY/TREASURER","EVP, CHIEF OPERATING OFFICER","EVP, CHIEF COMMERCIAL BANK OFFICER","SVP, CHIEF FINANCIAL OFFICER","EVP, CHIEF CREDIT OFFICER","EVP, CHIEF RETAIL BANKING OFFICER","SVP, LOAN ADMINISTRATION","SVP, RETAIL BANKING","SVP, SUPPORT SERVICES","SVP, INFORMATION TECHNOLOGY","INTERIM CHIEF INFORMATION OFFICER","HEAD OF ENTERPRISE RISK MANAGEMENT","SVP, CONTROLLER","SENIOR FINANCIAL ADVISOR","SVP, COMMERCIAL/SBA LENDING & OPERATIONS MGR","SVP, COMMERCIAL CREDIT ADMINISTRATION","VP, CENTRAL OPERATIONS","SVP, DIV MANAGER, ASSET-BASED LENDING"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,85000,0,0,0,0,0,858410,414794,421077,390869,351091,306503,277666,275884,228242,234457,234657,200669,185682,387709,273595,245439,246301,240876],"Direct compensation":[0,0,0,0,0,0,0,0,0,85000,0,0,0,0,0,666451,387269,372146,339180,330237,290584,251419,226418,216960,215486,197453,182028,172204,349532,247852,231193,215998,211085],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,191959,27525,48931,51689,20854,15919,26247,49466,11282,18971,37204,18641,13478,38177,25743,14246,30303,29791]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2018,"name":"TECHNOLOGY CREDIT UNION","phone":4084519111,"website":"WWW.TECHCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TODD HARRIS","year_formation":1960,"state_legal_domicile":"CA","total_volunteers":15,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"2010 NORTH FIRST STREET SUITE 301, SAN JOSE, CA, 95131, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95131},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":10,"Number of employees total":289,"Total Gross UBI":1473642,"Net unrelated business taxable income":337310,"Number of employees":289,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":111143972,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":99230422,"Total revenue":{"value":99230422,"INTEREST ON LOANS":86126470,"OTHER OPERATING INCOME":9739518,"FEE INCOME":3364434},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":11589532,"Investment income total":11583140,"Net investment gain":6392,"Income from invest bond proceeds":0},"Other revenues":{"value":324018,"Other total":324018,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":78011462,"Grant expense":{"value":32109,"Grants to domestic orgs":32109,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":30330095,"Current officers":5188495,"Disqualified persons":0,"Other salaries and wages":19924445,"Pension plan contributions":1119036,"Other employee benefits":2511935,"Payroll taxes":1586184},"Other expenses":{"value":47649258,"Management services":0,"Legal":298793,"Accounting":467382,"Lobbying services":0,"Investment management fees":0,"Other services":1668169,"Advertising":1967041,"Office expenses":9881321,"Information technology":633538,"Royalties":0,"Occupancy":2924542,"Travel":436886,"Conferences and meetings":0,"Interest":16721857,"Payments to affiliates":0,"Depreciation and depletion":2985679,"Insurance":128664,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":9535386,"PROVISION FOR LOAN & LE":5687810,"LOAN SERVICING EXPENSE":3263300,"MISC OPERATING EXPENSES":348832,"OPERATING FEES":235444},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":2735042383,"Non-interest bearing cash":8133859,"Savings and temp cash investments":141772534,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":1291334,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":414964,"Land, building, equipment":22535097,"Investments publicly traded":349009579,"Investments other":0,"Investments program related":2196268566,"Intangible assets":0,"Other assets":15616450},"Liabilities":{"value":2450738803,"Sum of Total Liabilities":0,"Accounts payable, accrued":13238052,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2437500751},"Fund balance":{"value":284303580,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.2981044262121566,"percentile":0.8341619657613633},"Liabilities to Assets Ratio":{"score":0.8960514901827026,"percentile":0.0653186979399672},"Operating Reserve Ratio":{"score":35.05949398820394,"percentile":0.9725725755260588},"Officer Compensation Ratio":{"score":0.07510333545601286,"percentile":0.6439207500487169},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.12970620583988968,"percentile":0.8200423253937524},"Asset Growth":{"score":0.09137021869623763,"percentile":0.6607926316583339},"Independent Voting Board Pct":{"score":0.9090909090909091,"percentile":0.24395594109922106},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6068327186788502,"percentile":0.6253175006794479}},"source_xml":"201923199349319682_public.xml"},{"Organization":{"value":null,"Person":["MICAL BRENZEL","ROBERT E BYLIN","KIRK BLOEDE","KAREN BROCHIER","PETER DONAHOWER","ROBERT R HERB","JOHN W WEDGWOOD","JOE SHEPELA","SUNIL NAGDEV","BOB LUONG","JEFF LEE","FAISAL JEDDY","FIRASAT ALI","JESSICA CASSINELLI","BARBARA KAMM FORMER","TODD HARRIS","JOSEPH ANZALONE","JEANNINE M JACOBSEN","ALVIN CADMAN III","RICHARD HANZ","DEBRA SPRINGER-BOWMAN","REBECCA NELSON","M ANGELES HERNANDEZ","MARY K DUGGAN","JEANNIE SUGAOKA","DEAN SCOTT KALANIOUMI DAVIS","HERMELINDA NEGRETE","NIKI WONG","BRIAN EVANS","SHOU MEI WU","JEFFREY JOHNSON"],"Title":["CHAIRMAN","VICE-CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SUPV CMTE CHAIRPERSON","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","CEO, BOARD MEMBER","CEO, BOARD SECRETARY/TREASURER","EVP, CHIEF COMMERCIAL BANKING OFFICER","EVP, CHIEF OPERATING OFFICER","EVP, CHIEF CREDIT OFFICER","SVP, CHIEF FINANCIAL OFFICER","SVP, RETAIL BANKING","SVP, WEALTH MANAGEMENT","SVP, LOAN ADMINISTRATION","SVP, MARKETING","SVP, SUPPORT SERVICES","SVP, INFORMATION TECHNOLOGY","SENIOR MORTGAGE ORIGINATOR","SVP, COMMERCIAL/SBA LENDIN","VP, SBA BUSINESS DEVELOPMENT OFFICER","SVP, COMMERCIAL CREDIT ADMINISTRATION","SVP, DIVISION MANAGER, ASSET BASED LENDING"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,685307,635642,379472,333314,287398,271712,282706,255073,237638,237578,230364,238042,261944,251058,236337,212958,214306],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,668034,468013,338310,310628,252959,230544,247822,226953,217144,211613,206941,196545,232900,230531,216498,202885,195587],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,17273,167629,41162,22686,34439,41168,34884,28120,20494,25965,23423,41497,29044,20527,19839,10073,18719]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2016,"name":"TECHNOLOGY CREDIT UNION","phone":4084519111,"website":"WWW.TECHCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TODD HARRIS","year_formation":1960,"state_legal_domicile":"CA","total_volunteers":14,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"2010 NORTH FIRST STREET SUITE 301, SAN JOSE, CA, 95131, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95131},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":10,"Number of employees total":273,"Total Gross UBI":2214406,"Net unrelated business taxable income":0,"Number of employees":273,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":72902056,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":59282816,"Total revenue":{"value":59282816,"INTEREST ON LOANS":49862128,"OTHER OPERATING INCOME":6219991,"FEE INCOME":3200697},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":13150729,"Investment income total":12215444,"Net investment gain":935285,"Income from invest bond proceeds":0},"Other revenues":{"value":468511,"Other total":468511,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":53811377,"Grant expense":{"value":13660,"Grants to domestic orgs":13660,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":26355844,"Current officers":4653907,"Disqualified persons":0,"Other salaries and wages":16949970,"Pension plan contributions":850869,"Other employee benefits":2392896,"Payroll taxes":1508202},"Other expenses":{"value":27441873,"Management services":0,"Legal":106875,"Accounting":367256,"Lobbying services":0,"Investment management fees":0,"Other services":1818529,"Advertising":2171521,"Office expenses":8471324,"Information technology":578145,"Royalties":0,"Occupancy":2965302,"Travel":352386,"Conferences and meetings":0,"Interest":5927022,"Payments to affiliates":0,"Depreciation and depletion":2308080,"Insurance":154852,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2220581,"LOAN SERVICING EXPENSE":1612534,"MISC OPERATING EXPENSES":371681,"OPERATING FEES":192408,"PROVISION FOR LOAN & LE":43958},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":2197851016,"Non-interest bearing cash":8399384,"Savings and temp cash investments":83776142,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":897619,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":285659,"Land, building, equipment":18665174,"Investments publicly traded":459940188,"Investments other":0,"Investments program related":1614229473,"Intangible assets":0,"Other assets":11657377},"Liabilities":{"value":1972627588,"Sum of Total Liabilities":0,"Accounts payable, accrued":11864627,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1960762961},"Fund balance":{"value":225223428,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.261867497948206,"percentile":0.8097591059044214},"Liabilities to Assets Ratio":{"score":0.8975256164497002,"percentile":0.06507473374924004},"Operating Reserve Ratio":{"score":40.84361223463953,"percentile":0.9767114049608155},"Officer Compensation Ratio":{"score":0.09757878896130087,"percentile":0.5601165687527564},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.055204440934731584,"percentile":0.6276115661039612},"Asset Growth":{"score":0.07864274530765779,"percentile":0.6246588354299213},"Independent Voting Board Pct":{"score":0.9090909090909091,"percentile":0.24395594109922106},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5757614120091727,"percentile":0.5339552990240948}},"source_xml":"201713199349318366_public.xml"},{"Organization":{"value":null,"Person":["MICAL BRENZEL","ROBERT E BYLIN","KIRK BLOEDE","KAREN BROCHIER","PETER DONAHOWER","ROBERT R HERB","JOHN W WEDGWOOD","JOE SHEPELA","SUNIL NAGDEV","BARBARA KAMM","JEFF LEE","FAISAL JEDDY","FIRASAT ALI","JESSICA CASSINELLI","BOB LUONG","TODD HARRIS","JEANNINE M JACOBSEN","ROBERT REED","RICHARD HANZ","JOSEPH ANZALONE","MICHAEL FLOYD","M ANGELES HERNANDEZ","FAWZIA SARWAR-SHAYEK","FRANCA COZZITORTO","NATALIA LAU","GUY LAMONT HADNOT","BRIAN T EVANS","FRED ABAJELO","NIKI WONG","SHOU MEI WU","ERIC NGAN"],"Title":["CHAIRMAN","VICE CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","FORMER CEO/BOARD MEMBER","SUPV CMTE CHAIRMAN","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","CEO, BOARD SECRETARY/TREASURER","EVP, CHIEF OPERATING OFFICER","EVP, CHIEF RETAIL BANKING OFFICER","EVP, CHIEF FINANCIAL OFFICER","EVP, CHIEF COMMERCIAL BANK OFFICER","EVP, CHIEF CREDIT OFFICER","SVP, LOAN ADMINISTRATION","SVP, RETAIL BANKING","HEAD OF ENTERPRISE RISK MANAGEMENT","SVP, CONTROLLER","SVP, MARKETING","VP, SBA BUSINESS DEVELOPMENT OFFICER","SENIOR FINANCIAL ADVISOR","SVP, COMMERCIAL/SBA LENDING & OPERAT","SVP, COMMERCIAL CREDIT ADMINISTRATION","VP, ENTERPRISE APPLICATIONS & INTEGRATIONS"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,1.0,1.0,1.0,1.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,10181,0,0,0,0,0,839242,440128,402455,432126,428401,395429,291326,291780,237231,218497,241256,344992,355305,287069,257492,259001],"Direct compensation":[0,0,0,0,0,0,0,0,0,10181,0,0,0,0,0,786327,411753,386285,379031,378111,375014,263870,240430,215354,203450,192421,317422,316633,252107,243343,238695],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,52915,28375,16170,53095,50290,20415,27456,51350,21877,15047,48835,27570,38672,34962,14149,20306]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2019,"name":"TECHNOLOGY CREDIT UNION","phone":4084519111,"website":"WWW.TECHCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TODD HARRIS","year_formation":1960,"state_legal_domicile":"CA","total_volunteers":15,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"2010 NORTH FIRST STREET SUITE 301, SAN JOSE, CA, 95131, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95131},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":10,"Number of employees total":307,"Total Gross UBI":1799112,"Net unrelated business taxable income":429040,"Number of employees":307,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":132366057,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":118598470,"Total revenue":{"value":118598470,"INTEREST ON LOANS":104980383,"OTHER OPERATING INCOME":9544951,"FEE INCOME":4073136},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":13534622,"Investment income total":13533205,"Net investment gain":1417,"Income from invest bond proceeds":0},"Other revenues":{"value":232965,"Other total":232965,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":100705942,"Grant expense":{"value":25623,"Grants to domestic orgs":25623,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":32870998,"Current officers":5210428,"Disqualified persons":0,"Other salaries and wages":21618949,"Pension plan contributions":1365965,"Other employee benefits":2720709,"Payroll taxes":1954947},"Other expenses":{"value":67809321,"Management services":0,"Legal":239119,"Accounting":479244,"Lobbying services":0,"Investment management fees":0,"Other services":4131709,"Advertising":1786579,"Office expenses":10496839,"Information technology":737654,"Royalties":0,"Occupancy":3223652,"Travel":478564,"Conferences and meetings":0,"Interest":27527104,"Payments to affiliates":0,"Depreciation and depletion":3046703,"Insurance":141792,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":15520089,"PROVISION FOR LOAN & LE":11088276,"LOAN SERVICING EXPENSE":3601940,"MISC OPERATING EXPENSES":549480,"OPERATING FEES":280393},"All other expenses":273},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":3045579402,"Non-interest bearing cash":8021983,"Savings and temp cash investments":175611380,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":1754280,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":382747,"Land, building, equipment":22730602,"Investments publicly traded":456602777,"Investments other":0,"Investments program related":2365526517,"Intangible assets":0,"Other assets":14949116},"Liabilities":{"value":2722869481,"Sum of Total Liabilities":0,"Accounts payable, accrued":14695819,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2708173662},"Fund balance":{"value":322709921,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.23918605507754906,"percentile":0.7921345578139511},"Liabilities to Assets Ratio":{"score":0.8940398924460549,"percentile":0.06564767064383605},"Operating Reserve Ratio":{"score":30.242300916067098,"percentile":0.9674481469138944},"Officer Compensation Ratio":{"score":0.056917306825847475,"percentile":0.7235584824182302},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.14312062886702062,"percentile":0.8393824378452517},"Asset Growth":{"score":0.09434306197405361,"percentile":0.6686797537419112},"Independent Voting Board Pct":{"score":0.9090909090909091,"percentile":0.24395594109922106},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.60605717834291,"percentile":0.6231122696001486}},"source_xml":"202003109349303250_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["MICAL BRENZEL","BARBARA KAMM","KIRK BLOEDE","MADONNA BOLANO","KAREN BROCHIER","PETER DONAHOWER","DEEPTI JAGGI","SUNIL NAGDEV","CAROL MACKINLAY","LINDA ITSKOVITZ","ROBERT HERB","JESSICA CASSINELLI","FIRASAT ALI","FAISAL JEDDY","JEFF LEE","BOB LUONG","TODD HARRIS","RICHARD HANZ","SUNDER SRINIVASAN","JEANNINE M JACOBSEN","ROBERT REED","DOUGLAS STOVELAND","JOSEPH ANZALONE","KAMRAN NAQVI","M ANGELES HERNANDEZ","FAWZIA SARWAR-SHAYEK","JOSHUA BLUHM","JEANNINE L CREIGHTON-BOETTCHER","FRANCA LOVELACE","NATALIA LAU","PAULETTE MEHAS","BRENDA JAIMES","FRED D ABAJELO","AZAD RAD","TERESA WU","NIKI WONG","DEBORAH KRUMWIEDE"],"Title":["BOARD CHAIRMAN","BOARD VICE CHAIR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SUPV CMTE CHAIRMAN","SUPV CMTE VICE CHAIR","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","PRESIDENT/CEO, SECRETARY/TREASURER","EVP, CHIEF FINANCIAL OFFICER","EVP, CHIEF INFORMATION OFFICER","EVP, CHIEF OPERATING OFFICER","EVP, CHIEF RETAIL BANKING OFFICER","EVP, CHIEF CREDIT OFFICER","EVP,CHIEF COMMERCIAL BANKING OFFICER","SVP, HEAD OF DIGITAL","SVP, HEAD OF EMERGING RETAIL LENDING PRODUCTS & ST","SVP, RETAIL BANKING","SVP,HEAD OF RETAIL CREDIT RISK & OPS","HEAD OF HR & CORPORATE SERVICES","HEAD OF ENTERPRISE RISK MANAGEMENT","SVP, CONTROLLER","SVP, TREASURY","HEAD OF BUSINESS PROCESS SERVICES","SR. FINANCIAL ADVISOR","SVP, WEALTH MANAGEMENT","SVP, COMMERCIAL CREDIT ADMIN","SVP, COMMERCIAL/SBA LENDING & OPS","SR. FINANCIAL ADVISOR"],"Hours":[3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0,2.0,1.5,1.5,1.5,1.5,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[10919,11652,5747,14765,17483,6588,17920,0,4189,0,13851,0,15794,4714,8481,6000,1001927,496511,557283,510344,435558,461324,451918,336107,323920,338966,312279,318568,309072,271736,265493,288891,557045,341940,301576,313333,289367],"Direct compensation":[10919,11652,5747,14765,17483,6588,17920,0,4189,0,13851,0,15794,4714,8481,6000,933805,429541,489764,473692,416716,404118,386106,318588,291686,290164,281269,268051,258983,257343,248541,247620,521843,284543,270546,268452,258740],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,68122,66970,67519,36652,18842,57206,65812,17519,32234,48802,31010,50517,50089,14393,16952,41271,35202,57397,31030,44881,30627]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2024,"name":"TECHNOLOGY CREDIT UNION","phone":4084519111,"website":"WWW.TECHCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TODD HARRIS","year_formation":1960,"state_legal_domicile":"CA","total_volunteers":15,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"2010 NORTH FIRST STREET SUITE 301, SAN JOSE, CA, 95131, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95131},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":10,"Number of employees total":374,"Total Gross UBI":4507515,"Net unrelated business taxable income":1049007,"Number of employees":374,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":239450752,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":187716761,"Total revenue":{"value":187716761,"INTEREST ON LOANS":175430906,"OTHER OPERATING INCOME":8079281,"FEE INCOME":4206574},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":51411973,"Investment income total":51411973,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":322018,"Other total":322018,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":238575988,"Grant expense":{"value":72770,"Grants to domestic orgs":72770,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":55141398,"Current officers":7738214,"Disqualified persons":0,"Other salaries and wages":36042236,"Pension plan contributions":2836731,"Other employee benefits":5465077,"Payroll taxes":3059140},"Other expenses":{"value":183361820,"Management services":0,"Legal":867076,"Accounting":650193,"Lobbying services":0,"Investment management fees":0,"Other services":1999038,"Advertising":4354437,"Office expenses":6064279,"Information technology":9806895,"Royalties":0,"Occupancy":3510532,"Travel":329602,"Conferences and meetings":0,"Interest":125344748,"Payments to affiliates":0,"Depreciation and depletion":2726731,"Insurance":77633,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":27599253,"PROVISION FOR LOAN & LE":22946844,"LOAN SERVICING EXPENSE":3522619,"MISCELLANEOUS OPERATING":676054,"OPERATING FEES":453736},"All other expenses":31403},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":4768851732,"Non-interest bearing cash":6219053,"Savings and temp cash investments":520123723,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":26624236,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1229578,"Land, building, equipment":20461593,"Investments publicly traded":858242613,"Investments other":0,"Investments program related":3291883413,"Intangible assets":0,"Other assets":44067523},"Liabilities":{"value":4349076726,"Sum of Total Liabilities":0,"Accounts payable, accrued":30554291,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":4318522435},"Fund balance":{"value":419775006,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.0036532104939891773,"percentile":0.4064783940420802},"Liabilities to Assets Ratio":{"score":0.911975664249903,"percentile":0.06267032428596946},"Operating Reserve Ratio":{"score":19.98881686282695,"percentile":0.9459232024839443},"Officer Compensation Ratio":{"score":0.03613633154062428,"percentile":0.8274628128194371},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.1404337093430177,"percentile":0.8357064726384164},"Asset Growth":{"score":0.10203097921831887,"percentile":0.688009258649214},"Independent Voting Board Pct":{"score":0.9090909090909091,"percentile":0.24395594109922106},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.539549772647544,"percentile":0.4270946845471637}},"source_xml":"202513109349304431_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}