{"success":true,"data":{"_id":941696676,"filings":[{"Organization":{"value":null,"Person":["SEAMUS MORAN","RICHARD TOLEDO","THOMAS BREWER","TOM SUCHEVITS","MARCIA LILLIS","MARK VEEH","DON BARTELS","WILLIAM STAPLES","JAY CASTELLANO","TEJINDER SINGH","FRANCES EDWARDS","GAY GALE","ANDREA BREWER","BRAD THOMAS","CATHY MCCARTHY","DOROTHY GEMETTE","PAUL KRAMER","BELINDA METZLER","THU CUSHING"],"Title":["CHAIRMAN","VICE CHAIRPERSON","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SUPERVISORY COMMITTEE CHAIR","SUPERVISORY COMMITTEE MEMBER","SUPERVISORY COMMITTEE MEMBER","SUPERVISORY COMMITTEE MEMBER","CEO","CFO","VP HR","VP BUSINESS OPERATIONS","VP SALES/SRVC","VP LENDING","AVP IT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,70.0,40.0,40.0,65.0,40.0,45.0,55.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,368179,219786,211605,205148,188119,182311,141789],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,319892,205326,190697,170968,158499,165360,123592],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,48287,14460,20908,34180,29620,16951,18197]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2016,"name":"PREMIERONE CREDIT UNION","phone":8555007128,"website":"WWW.PREMIERONECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ANDREA BREWER","year_formation":1968,"state_legal_domicile":"CA","total_volunteers":12,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"6640 VIA DEL ORO, SAN JOSE, CA, 95119, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95119},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":99,"Total Gross UBI":17749,"Net unrelated business taxable income":0,"Number of employees":99,"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":14162748,"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":11607927,"Total revenue":{"value":11607927,"LOAN INCOME":8981138,"OTHER OPERATING INCOME":1636936,"FEE INCOME":989853},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2060577,"Investment income total":2060577,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":494244,"Other total":494244,"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":11914362,"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":5711886,"Current officers":1334334,"Disqualified persons":0,"Other salaries and wages":3039191,"Pension plan contributions":113125,"Other employee benefits":647653,"Payroll taxes":577583},"Other expenses":{"value":6202476,"Management services":0,"Legal":81651,"Accounting":37775,"Lobbying services":0,"Investment management fees":0,"Other services":1059022,"Advertising":246804,"Office expenses":1254298,"Information technology":0,"Royalties":0,"Occupancy":674972,"Travel":78876,"Conferences and meetings":0,"Interest":812360,"Payments to affiliates":0,"Depreciation and depletion":806943,"Insurance":71804,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1077971,"LOAN SERVICING EXPENSE":911284,"MISC. OPERATING EXPENSE":127913,"OPERATING FEES":38774},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":396060024,"Non-interest bearing cash":2629194,"Savings and temp cash investments":37199483,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":1672504,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":578948,"Land, building, equipment":12171637,"Investments publicly traded":55599216,"Investments other":0,"Investments program related":284270682,"Intangible assets":428025,"Other assets":1510335},"Liabilities":{"value":358673390,"Sum of Total Liabilities":0,"Accounts payable, accrued":1922774,"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":356750616},"Fund balance":{"value":37386634,"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":0.1587535130894089,"percentile":0.7098424412927766},"Liabilities to Assets Ratio":{"score":0.9056036162841822,"percentile":0.06373733475574084},"Operating Reserve Ratio":{"score":33.24223521158749,"percentile":0.970887134242569},"Officer Compensation Ratio":{"score":0.12732003610432518,"percentile":0.46922634742938746},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.057134731783295964,"percentile":0.6351832705227626},"Asset Growth":{"score":0.05881495873093995,"percentile":0.5595421364703138},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6131572098204409,"percentile":0.6434781095768064}},"source_xml":"201742939349300434_public.xml"},{"Organization":{"value":null,"Person":["SEAMUS MORAN","RICHARD TOLEDO","THOMAS BREWER","TOM SUCHEVITS","MARCIA LILLIS","MARK VEEH","DON BARTELS","WILLIAM STAPLES","JAY CASTELLANO","GREG PECK","TEJINDER SINGH","FRANCES EDWARDS","BARBARA CANUP","CHRISTINA SALVATIER","ANDREA BREWER","BRAD THOMAS","BELINDA METZLER","DOROTHY GEMETTE","RICHARD TRESLER","LECIA ROUNDTREE","JANICE JOHNSON"],"Title":["CHAIRMAN","VICE CHAIRPERSON","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SUPERVISORY COMMITTEE CHAIR","SUPERVISORY COMMITTEE MEMBER","SUPERVISORY COMMITTEE MEMBER","SUPERVISORY COMMITTEE MEMBER","SUPERVISORY COMMITTEE MEMBER","PRESIDENT/CEO","VP FINANCE/CFO","VP LENDING","VP BUSINESS OPERATIONS","VP MEMBER SERVICE","VP HR & ORGANIZATIONAL DEVELOPMENT","VP MARKETING"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,60.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,526502,260254,223585,238530,213055,220691,174372],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,406633,251474,203672,203188,195991,184979,163319],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,119869,8780,19913,35342,17064,35712,11053]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2019,"name":"PREMIERONE CREDIT UNION","phone":8555007128,"website":"WWW.PREMIERONECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ANDREA BREWER","year_formation":1968,"state_legal_domicile":"CA","total_volunteers":14,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"6640 VIA DEL ORO, SAN JOSE, CA, 95119, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95119},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":113,"Total Gross UBI":77501,"Net unrelated business taxable income":0,"Number of employees":113,"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":18999299,"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":16243343,"Total revenue":{"value":16243343,"LOAN INCOME":13116501,"OTHER OPERATING INCOME":2002223,"FEE INCOME":1124619},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2671677,"Investment income total":2671677,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":84279,"Other total":84279,"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":16646100,"Grant expense":{"value":4000,"Grants to domestic orgs":0,"Grants to domestic individuals":4000,"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":7704289,"Current officers":1609256,"Disqualified persons":0,"Other salaries and wages":3757373,"Pension plan contributions":244914,"Other employee benefits":1387481,"Payroll taxes":705265},"Other expenses":{"value":8937811,"Management services":0,"Legal":180012,"Accounting":83080,"Lobbying services":0,"Investment management fees":0,"Other services":994828,"Advertising":383675,"Office expenses":1702923,"Information technology":0,"Royalties":0,"Occupancy":699911,"Travel":90691,"Conferences and meetings":0,"Interest":1540528,"Payments to affiliates":0,"Depreciation and depletion":991647,"Insurance":35320,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2235196,"PROVISIONS FOR LOAN & L":1142568,"LOAN SERVICING EXPENSE":951350,"MISC. OPERATING EXPENSE":88795,"OPERATING FEES":52483},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":429074630,"Non-interest bearing cash":1894351,"Savings and temp cash investments":33597876,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":5527332,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":658453,"Land, building, equipment":12415600,"Investments publicly traded":55520435,"Investments other":0,"Investments program related":313147444,"Intangible assets":394690,"Other assets":5918449},"Liabilities":{"value":383691325,"Sum of Total Liabilities":0,"Accounts payable, accrued":2020984,"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":381670341},"Fund balance":{"value":45383305,"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":0.12385714862427293,"percentile":0.6616948041638754},"Liabilities to Assets Ratio":{"score":0.8942298103246048,"percentile":0.06562124631083537},"Operating Reserve Ratio":{"score":25.776285736598965,"percentile":0.9603694956145181},"Officer Compensation Ratio":{"score":0.11155700133965313,"percentile":0.515048983002588},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0827092886953364,"percentile":0.7203133613356212},"Asset Growth":{"score":0.045378387320995396,"percentile":0.5087706804955777},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6117936277229019,"percentile":0.6395842078496787}},"source_xml":"202022809349301717_public.xml"},{"Organization":{"value":null,"Person":["SEAMUS MORAN","RICHARD TOLEDO","THOMAS BREWER","TOM SUCHEVITS","MARCIA LILLIS","MARK VEEH","DON BARTELS","WILLIAM STAPLES","JAY CASTELLANO","TEJINDER SINGH","FRANCES EDWARDS","GAY GALE","ANDREA BREWER","BRAD THOMAS","CATHY MCCARTHY","DOROTHY GEMETTE","BELINDA METZLER","THU CUSHING","JANICE JOHNSON"],"Title":["CHAIRMAN","VICE CHAIRMAN","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SUPERVISORY COMMITTEE CHAIR","SUPERVISORY COMMITTEE MEMBER","SUPERVISORY COMMITTEE MEMBER","SUPERVISORY COMMITTEE MEMBER","CEO","CFO","VP HR","VP BUSINESS OPERATIONS","VP LENDING","AVP IT","AVP MARKETING"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,60.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,384341,241786,223680,221384,209879,158375,123591],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,345733,225198,199509,184255,178088,131403,113338],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,38608,16588,24171,37129,31791,26972,10253]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2017,"name":"PREMIERONE CREDIT UNION","phone":8555007128,"website":"WWW.PREMIERONECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ANDREA BREWER","year_formation":1968,"state_legal_domicile":"CA","total_volunteers":12,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"6640 VIA DEL ORO, SAN JOSE, CA, 95119, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95119},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":98,"Total Gross UBI":18941,"Net unrelated business taxable income":0,"Number of employees":98,"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":15340695,"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":12736826,"Total revenue":{"value":12736826,"LOAN INCOME":10085580,"OTHER OPERATING INCOME":1657693,"FEE INCOME":993553},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2518305,"Investment income total":2518305,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":85564,"Other total":85564,"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":13443745,"Grant expense":{"value":4000,"Grants to domestic orgs":0,"Grants to domestic individuals":4000,"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":6389259,"Current officers":1377524,"Disqualified persons":0,"Other salaries and wages":3278399,"Pension plan contributions":124647,"Other employee benefits":896001,"Payroll taxes":712688},"Other expenses":{"value":7050486,"Management services":0,"Legal":120814,"Accounting":133606,"Lobbying services":0,"Investment management fees":0,"Other services":867715,"Advertising":264462,"Office expenses":1555421,"Information technology":0,"Royalties":0,"Occupancy":692873,"Travel":78732,"Conferences and meetings":0,"Interest":909031,"Payments to affiliates":0,"Depreciation and depletion":918479,"Insurance":46839,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1462514,"LOAN SERVICING EXPENSE":869610,"PROVISIONS FOR LOAN & L":451023,"MISC. OPERATING EXPENSE":98915,"OPERATING FEES":42966},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":413300729,"Non-interest bearing cash":1436441,"Savings and temp cash investments":36948194,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":1610529,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":499436,"Land, building, equipment":11780237,"Investments publicly traded":63848128,"Investments other":0,"Investments program related":295169801,"Intangible assets":413937,"Other assets":1594026},"Liabilities":{"value":373866235,"Sum of Total Liabilities":0,"Accounts payable, accrued":939766,"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":372926469},"Fund balance":{"value":39434494,"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":0.12365476270794772,"percentile":0.6613848185300077},"Liabilities to Assets Ratio":{"score":0.9045864397688976,"percentile":0.06390571306369862},"Operating Reserve Ratio":{"score":30.7429759341612,"percentile":0.9680756403413807},"Officer Compensation Ratio":{"score":0.11626492469174327,"percentile":0.5009335561039624},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06572788880777575,"percentile":0.666881401267858},"Asset Growth":{"score":0.05725516740849946,"percentile":0.5539444441796588},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6087078686763493,"percentile":0.6307310859988124}},"source_xml":"201813109349300631_public.xml"},{"Organization":{"value":null,"Person":["ROBERT DEBARR","RICHARD TOLEDO","THOMAS BREWER","SEAMUS MORAN","MARCIA LILLIS","TOM SUCHEVITS","MARK VEEH","DON BARTELS","WILLIAM STAPLES","JAY CASTELLANO","TEJINDER SINGH","RICHARD BUSSE","GAY GALE","ANDREA BREWER","BRAD THOMAS","CATHY MCCARTHY","DOROTHY GEMETTE","BELINDA METZLER","PAUL KRAMER","MARGARET CZYZ"],"Title":["CHAIRMAN","VICE CHAIRMAN","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SUPV CMTE CHAIRPERSON","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","CEO","CFO","VP HR","VP BUSINESS OPERATION","VP LENDING","VP SALES/SRVC","AVP CONTROLLER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,302717,59446,185886,165455,157596,156067,164624],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,263309,57771,166689,149468,138972,132436,129326],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,39408,1675,19197,15987,18624,23631,35298]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2014,"name":"PREMIERONE CREDIT UNION","phone":8555007128,"website":"WWW.PREMIERONECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ANDREA BREWER","year_formation":1968,"state_legal_domicile":"CA","total_volunteers":13,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"140 ASBURY STREET, SAN JOSE, CA, 95110, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95110},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":80,"Total Gross UBI":16631,"Net unrelated business taxable income":0,"Number of employees":80,"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":12398000,"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":9870628,"Total revenue":{"value":9870628,"LOAN INCOME":7414743,"OTHER OPERATING INCOME":1547383,"FEE INCOME":908502},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2057193,"Investment income total":2057193,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":470179,"Other total":470179,"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":10138728,"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":4791869,"Current officers":1037971,"Disqualified persons":0,"Other salaries and wages":2641470,"Pension plan contributions":101000,"Other employee benefits":641397,"Payroll taxes":370031},"Other expenses":{"value":5346859,"Management services":0,"Legal":70008,"Accounting":67425,"Lobbying services":0,"Investment management fees":0,"Other services":902983,"Advertising":180010,"Office expenses":1259024,"Information technology":0,"Royalties":0,"Occupancy":460221,"Travel":55645,"Conferences and meetings":0,"Interest":573158,"Payments to affiliates":0,"Depreciation and depletion":676278,"Insurance":50808,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1051299,"LOAN SERVICING EXPENSE":890468,"MISC. OPERATING EXPENSE":126826,"OPERATING FEES":34005},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":342887920,"Non-interest bearing cash":2059667,"Savings and temp cash investments":48232853,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":482386,"Land, building, equipment":7170321,"Investments publicly traded":46629429,"Investments other":0,"Investments program related":236727460,"Intangible assets":465122,"Other assets":1120682},"Liabilities":{"value":309083912,"Sum of Total Liabilities":0,"Accounts payable, accrued":1077934,"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":308005978},"Fund balance":{"value":33804008,"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":0.18222874657202776,"percentile":0.7376056187902245},"Liabilities to Assets Ratio":{"score":0.9014138264188485,"percentile":0.06443768200015404},"Operating Reserve Ratio":{"score":33.81961918694337,"percentile":0.9714447040868314},"Officer Compensation Ratio":{"score":0.11754837490462314,"percentile":0.49704451228714164},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6229138509148576,"percentile":0.67079841684127}},"source_xml":"201532999349301058_public.xml"},{"Organization":{"value":null,"Person":["SEAMUS MORAN","MARCIA LILLIS","TOM SUCHEVITIS","THOMAS BREWER","RICH TOLEDO","DON BARTELS","CHRISTINA SALVATIER","ANDREA BREWER","BRAD THOMAS","RICHARD TRESLER","DOROTHY GEMETTE","CHRISTOPHER CAPUTO","MANUEL CARINO","JANICE JOHNSON","AIDA TANNOUS","ALLISON COBURN","THU CUSHING","NICOLE CAMARILLO","EDDIELLE PARODI","MONIQUE EASLEY"],"Title":["CHAIR","VICE CHAIR","TREASURER","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/CEO","VP FINANCE/CFO","VP MEMBER SERVICE","VP BUSINESS OPERATIONS","VP LENDING OPERATIONS","AVP INFORMATION TECHNOLOGY","VP MARKETING","VP HR & ORGANIZATIONAL DEVELOPMENT","DIRECTOR OF DIGITAL SERVICES","INFORMATION SYSTEMS & DATA OFFICER","LOAN SERVICING MANAGER/AVP","DIRECTOR OF FINANCE/CONTROLLER","DIRECTOR OF CONSUMER LENDING"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,60.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,677131,372231,293015,293366,275477,251150,248184,226512,166621,170494,174241,168322,172521],"Direct compensation":[0,0,0,0,0,0,0,625579,361634,258353,243168,248754,220018,214864,199112,160751,164813,157313,149681,136914],"Other compensation":[0,0,0,0,0,0,0,51552,10597,34662,50198,26723,31132,33320,27400,5870,5681,16928,18641,35607]},"Basic":{"value":null,"mission":"A cooperative organized for the purpose of promoting thrift and savings among its members.","year":2024,"name":"PREMIERONE CREDIT UNION","phone":8555007128,"website":"WWW.PREMIERONECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ANDREA BREWER","year_formation":1968,"state_legal_domicile":"CA","total_volunteers":8,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"6640 VIA DEL ORO, SAN JOSE, CA, 95119, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95119},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":101,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":101,"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":36239784,"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":29098982,"Total revenue":{"value":29098982,"LOAN INCOME":23951393,"INTERCHANGE INCOME":2000100,"OTHER OPERATING INCOME":1843910,"FEE INCOME":1303579},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":6824544,"Investment income total":4461650,"Net investment gain":2362894,"Income from invest bond proceeds":0},"Other revenues":{"value":316258,"Other total":0,"Royalties revenue":0,"Net rental income":316258,"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":30892424,"Grant expense":{"value":9500,"Grants to domestic orgs":0,"Grants to domestic individuals":9500,"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":7654465,"Benefits paid to members Total":7654465},"Salaries":{"value":10802703,"Current officers":2637063,"Disqualified persons":0,"Other salaries and wages":6738615,"Pension plan contributions":105467,"Other employee benefits":640020,"Payroll taxes":681538},"Other expenses":{"value":12425756,"Management services":0,"Legal":69794,"Accounting":132140,"Lobbying services":0,"Investment management fees":0,"Other services":345565,"Advertising":415306,"Office expenses":1994499,"Information technology":732841,"Royalties":0,"Occupancy":1073492,"Travel":40336,"Conferences and meetings":83933,"Interest":1995742,"Payments to affiliates":0,"Depreciation and depletion":856469,"Insurance":62019,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":4623620,"PROVISION FOR LOAN LOSS":2252210,"LOAN SERVICING FEES":1477454,"OTHER EXPENSES":811132,"DUES AND SUBSCRIPTIONS":82824},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":627716177,"Non-interest bearing cash":1774204,"Savings and temp cash investments":68960467,"Pledges and grants receivable":0,"Accounts receivable":33640,"Receivables from officers":12078492,"Receivables from disqual persons":0,"Other net note and loans":417801200,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1079872,"Land, building, equipment":15960517,"Investments publicly traded":86341971,"Investments other":8341099,"Investments program related":0,"Intangible assets":914462,"Other assets":14430253},"Liabilities":{"value":577444719,"Sum of Total Liabilities":0,"Accounts payable, accrued":7191035,"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":45000000,"Unsecured notes loans payable":0,"Other liabilities":525253684},"Fund balance":{"value":50271458,"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":0.1475549633518787,"percentile":0.6953947873908197},"Liabilities to Assets Ratio":{"score":0.9199137128498761,"percentile":0.0614070772967047},"Operating Reserve Ratio":{"score":20.31942126004745,"percentile":0.9469575056600715},"Officer Compensation Ratio":{"score":0.11294888999322293,"percentile":0.5108131827987343},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.09664747556724686,"percentile":0.7561888779795126},"Asset Growth":{"score":0.06131420854677015,"percentile":0.5683886546782336},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6240596771804822,"percentile":0.6739585747731723}},"source_xml":"202523219349324592_public.xml"},{"Organization":{"value":null,"Person":["SEAMUS MORAN","MARCIA LILLIS","THOMAS BREWER","TOM SUCHEVITS","RICHARD TOLEDO","DON BARTELS","CHRISTINA SALVATIER","ANDREA BREWER","BRAD THOMAS","RICHARD TRESLER","DOROTHY GEMETTE","LECIA ROUNDTREE","JANICE JOHNSON","NICOLE CAMARILLO"],"Title":["CHAIRMAN","VICE CHAIRPERSON/SUPV CMTE MEMBER","SECRETARY","TREASURER/SUPV CMTE MEMBER","DIRECTOR","DIRECTOR","DIRECTOR/SUPV CMTE MEMBER","PRESIDENT/CEO","VP FINANCE/CFO","VP MEMBER SERVICE","VP BUSINESS OPERATIONS","VP HR & ORGANIZATIONAL DEV","VP MARKETING","LOAN SERVICING MANAGER/AVP"],"Hours":[2.0,1.0,1.0,1.0,1.0,1.0,1.0,60.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,603861,294781,275237,270108,257674,217023,161195],"Direct compensation":[0,0,0,0,0,0,0,550361,285322,247188,225492,224844,187790,146008],"Other compensation":[0,0,0,0,0,0,0,53500,9459,28049,44616,32830,29233,15187]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2022,"name":"PREMIERONE CREDIT UNION","phone":8555007128,"website":"WWW.PREMIERONECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ANDREA BREWER","year_formation":1968,"state_legal_domicile":"CA","total_volunteers":7,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"6640 VIA DEL ORO, SAN JOSE, CA, 95119, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95119},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":107,"Total Gross UBI":100597,"Net unrelated business taxable income":0,"Number of employees":107,"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":20460473,"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":17792531,"Total revenue":{"value":17792531,"LOAN INCOME":14263083,"OTHER OPERATING INCOME":2399104,"FEE INCOME":1130344},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2599876,"Investment income total":2599876,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":68066,"Other total":68066,"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":19314134,"Grant expense":{"value":9000,"Grants to domestic orgs":0,"Grants to domestic individuals":9000,"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":9012835,"Current officers":1867005,"Disqualified persons":0,"Other salaries and wages":4476672,"Pension plan contributions":288993,"Other employee benefits":1454751,"Payroll taxes":925414},"Other expenses":{"value":10292299,"Management services":0,"Legal":190256,"Accounting":151470,"Lobbying services":0,"Investment management fees":0,"Other services":1064475,"Advertising":344915,"Office expenses":2208074,"Information technology":0,"Royalties":0,"Occupancy":801339,"Travel":86146,"Conferences and meetings":0,"Interest":1161684,"Payments to affiliates":0,"Depreciation and depletion":871078,"Insurance":47513,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3365349,"PROVISIONS FOR LOAN & L":1855191,"LOAN SERVICING EXPENSE":1305678,"MISC. OPERATING EXPENSE":132850,"OPERATING FEES":71630},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":550720735,"Non-interest bearing cash":1797905,"Savings and temp cash investments":25275234,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":5142793,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":817515,"Land, building, equipment":11673206,"Investments publicly traded":108881640,"Investments other":0,"Investments program related":390804152,"Intangible assets":386837,"Other assets":5941453},"Liabilities":{"value":512965603,"Sum of Total Liabilities":0,"Accounts payable, accrued":3098657,"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":509866946},"Fund balance":{"value":37755132,"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":0.05602700387229562,"percentile":0.5382216770243172},"Liabilities to Assets Ratio":{"score":0.9314441429193691,"percentile":0.0598291963889203},"Operating Reserve Ratio":{"score":28.513871499493582,"percentile":0.9650313372844873},"Officer Compensation Ratio":{"score":0.10768688878310567,"percentile":0.5270999884251741},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06589266555260878,"percentile":0.6674500140123426},"Asset Growth":{"score":0.05762776521200099,"percentile":0.5552789636278967},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.586945399170842,"percentile":0.567005367388858}},"source_xml":"202312809349300606_public.xml"},{"Organization":{"value":null,"Person":["ANDREA BREWER","BRADFORD THOMAS","RICHARD TRESLER","DOROTHY GEMETTE","CHRISTOPHER CAPUTO","JANICE JOHNSON","NICOLE CAMARILLO","ALLISON COBURN","MONIQUE EASLEY","THU CUSHING","EDDIELLE PARODI","SEAMUS MORAN","MARCIA LILLIS","TOM SUCHEVITS","THOMAS BREWER","RICH TOLEDO","DON BARTELS","CHRISTINA SALVATIER"],"Title":["PRESIDENT/CEO","VP FINANCE/CFO","VP MEMBER SERVICE","VP BUSINESS OPERATIONS","VP LENDING OPERATIONS","VP MARKETING","LOAN SERVICING MANAGER/AVP","DIRECTOR OF DIGITAL SERVICES","DIRECTOR OF CONSUMER LENDING","INFORMATION SYSTEMS & DATA OFFICER","DIRECTOR OF FINANCE/CONTROLLER","CHAIR","VICE CHAIR","TREASURER","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[60.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[1153837,309471,288502,277896,238046,234766,167396,161294,161170,160573,148087,0,0,0,0,0,0,0],"Direct compensation":[1098878,299361,256525,231896,213982,204711,152027,137487,129226,155135,129325,0,0,0,0,0,0,0],"Other compensation":[54959,10110,31977,46000,24064,30055,15369,23807,31944,5438,18762,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"A cooperative organized for the purpose of promoting thrift and savings among its members.","year":2023,"name":"PREMIERONE CREDIT UNION","phone":8555007128,"website":"WWW.PREMIERONECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ANDREA BREWER","year_formation":1968,"state_legal_domicile":"CA","total_volunteers":7,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"6640 VIA DEL ORO, SAN JOSE, CA, 95119, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95119},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":111,"Total Gross UBI":100038,"Net unrelated business taxable income":0,"Number of employees":111,"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":27652598,"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":24143495,"Total revenue":{"value":24143495,"LOAN INCOME":20426942,"INTERCHANGE INCOME":1944629,"FEE INCOME":1310891,"OTHER OPERATING INCOME":461033},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3206378,"Investment income total":3206378,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":302725,"Other total":0,"Royalties revenue":0,"Net rental income":302725,"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":25491013,"Grant expense":{"value":9000,"Grants to domestic orgs":0,"Grants to domestic individuals":9000,"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":4106729,"Benefits paid to members Total":4106729},"Salaries":{"value":10103684,"Current officers":2502517,"Disqualified persons":0,"Other salaries and wages":6019106,"Pension plan contributions":264655,"Other employee benefits":720860,"Payroll taxes":596546},"Other expenses":{"value":11271600,"Management services":0,"Legal":120009,"Accounting":107549,"Lobbying services":0,"Investment management fees":0,"Other services":507054,"Advertising":377260,"Office expenses":1756716,"Information technology":1052922,"Royalties":0,"Occupancy":843858,"Travel":61873,"Conferences and meetings":0,"Interest":935829,"Payments to affiliates":0,"Depreciation and depletion":840210,"Insurance":52187,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":4616133,"PROVISION FOR LOAN LOSS":2572384,"LOAN SERVICING FEES":1346000,"OTHER EXPENSES":583744,"DUES AND SUBSCRIPTIONS":114005},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":619994421,"Non-interest bearing cash":2808331,"Savings and temp cash investments":38218026,"Pledges and grants receivable":0,"Accounts receivable":27726,"Receivables from officers":5331343,"Receivables from disqual persons":0,"Other net note and loans":438064583,"Inventories for sale or use":0,"Prepaid expenses deferred charges":919964,"Land, building, equipment":15561430,"Investments publicly traded":96887311,"Investments other":15655364,"Investments program related":0,"Intangible assets":1205237,"Other assets":5315106},"Liabilities":{"value":576977872,"Sum of Total Liabilities":0,"Accounts payable, accrued":5232761,"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":45000000,"Unsecured notes loans payable":0,"Other liabilities":526745111},"Fund balance":{"value":43016549,"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":0.07816932788738332,"percentile":0.583485693684058},"Liabilities to Assets Ratio":{"score":0.9306178450273507,"percentile":0.05993264048322526},"Operating Reserve Ratio":{"score":24.32207856941582,"percentile":0.957386224124485},"Officer Compensation Ratio":{"score":0.12949810978480925,"percentile":0.46334662891743145},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07962727876625418,"percentile":0.7114235728198068},"Asset Growth":{"score":0.062088235516027636,"percentile":0.571094981618116},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5963623200138384,"percentile":0.5947894391289628}},"source_xml":"202422789349301677_public.xml"},{"Organization":{"value":null,"Person":["ROBERT DEBARR","RICHARD TOLEDO","THOMAS BREWER","SEAMUS MORAN","MARCIA LILLIS","TOM SUCHEVITS","MARK VEEH","DON BARTELS","WILLIAM STAPLES","JAY CASTELLANO","TEJINDER SINGH","RICHARD BUSSE","GAY GALE","ANDREA BREWER","BRAD THOMAS","CATHY MCCARTHY","DOROTHY GEMETTE","BELINDA METZLER","PAUL KRAMER","MARGARET CZYZ"],"Title":["CHAIRMAN","VICE CHAIRMAN","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SUPV CMTE CHAIRPERSON","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","CEO","CFO","VP HR","VP BUSINESS OPERATIONS","VP LENDING","VP SALES/SRVC","CONTROLLER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,60.0,45.0,40.0,60.0,45.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,321362,189552,195880,181891,168505,173368,165477],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,291025,175940,175736,158731,152409,149485,136438],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,30337,13612,20144,23160,16096,23883,29039]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2015,"name":"PREMIERONE CREDIT UNION","phone":8555007128,"website":"WWW.PREMIERONECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ANDREA BREWER","year_formation":1968,"state_legal_domicile":"CA","total_volunteers":13,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"6640 VIA DEL ORO, SAN JOSE, CA, 95119, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95119},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":88,"Total Gross UBI":14932,"Net unrelated business taxable income":0,"Number of employees":88,"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":12772358,"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":10404063,"Total revenue":{"value":10404063,"LOAN INCOME":7898012,"OTHER OPERATING INCOME":1624459,"FEE INCOME":881592},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2053450,"Investment income total":2053450,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":314845,"Other total":314845,"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":10859744,"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":5241024,"Current officers":1239764,"Disqualified persons":0,"Other salaries and wages":2772485,"Pension plan contributions":114224,"Other employee benefits":605953,"Payroll taxes":508598},"Other expenses":{"value":5618720,"Management services":0,"Legal":59503,"Accounting":85487,"Lobbying services":0,"Investment management fees":0,"Other services":1016344,"Advertising":220712,"Office expenses":1221969,"Information technology":0,"Royalties":0,"Occupancy":578211,"Travel":55077,"Conferences and meetings":0,"Interest":558562,"Payments to affiliates":0,"Depreciation and depletion":663824,"Insurance":44982,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1114049,"LOAN SERVICING EXPENSE":923525,"MISC. OPERATING EXPENSE":154969,"OPERATING FEES":35555},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":367757654,"Non-interest bearing cash":2128022,"Savings and temp cash investments":38796549,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":553729,"Land, building, equipment":12123098,"Investments publicly traded":46933632,"Investments other":0,"Investments program related":265612273,"Intangible assets":445086,"Other assets":1165265},"Liabilities":{"value":332043899,"Sum of Total Liabilities":0,"Accounts payable, accrued":1403097,"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":330640802},"Fund balance":{"value":35713755,"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":0.14974635067385364,"percentile":0.6982629187684787},"Liabilities to Assets Ratio":{"score":0.9028877995833636,"percentile":0.06419535652775252},"Operating Reserve Ratio":{"score":33.86430232609535,"percentile":0.971490578807617},"Officer Compensation Ratio":{"score":0.1285513728500414,"percentile":0.4658896718854317},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0373489492603385,"percentile":0.5499879474255785},"Asset Growth":{"score":0.04884355299798402,"percentile":0.5223160528951922},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5999976862385404,"percentile":0.60550381840751}},"source_xml":"201623199349307902_public.xml"},{"Organization":{"value":null,"Person":["ROBERT DEBARR","RICHARD TOLEDO","THOMAS BREWER","SEAMUS MORAN","MARCIA LILLIS","TOM SUCHEVITS","MARK VEEH","DON BARTELS","WILLIAM STAPLES","JAY CASTELLANO","TEJINDER SINGH","RICHARD BUSSE","GAY GALE","ANDREA BREWER","SCOTT BOLSTER FORMER","CATHY MCCARTHY","DOROTHY GEMETTE","PAUL KRAMER","MARGARET CZYZ","BELINDA HEDLING"],"Title":["CHAIRMAN","VICE CHAIRMAN","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SUPV CMTE CHAIRPERSON","SUPV CMTE MEMBER","SUPV CMTE MEMBER","SUPV CMTE MEMBER","CEO","CFO","VP HR","VP BUSINESS OPERATION","VP SALES/SRVC","AVP CONTROLLER","VP LENDING"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,293112,162228,164401,141402,140735,145580,138922],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,254593,145742,143271,132554,124210,123337,119537],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,38519,16486,21130,8848,16525,22243,19385]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2013,"name":"PREMIERONE CREDIT UNION FKA NATIONAL 1ST CREDIT UNION","phone":8886726073,"website":"WWW.PREMIERONECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ANDREA BREWER","year_formation":1968,"state_legal_domicile":"CA","total_volunteers":13,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"140 ASBURY STREET, SAN JOSE, CA, 95110, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95110},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":70,"Total Gross UBI":12867,"Net unrelated business taxable income":-42201,"Number of employees":70,"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":11850563,"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":9931197,"Total revenue":{"value":9931197,"LOAN INCOME":7293816,"OTHER OPERATING INCOME":1593084,"FEE INCOME":1044297},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1755749,"Investment income total":1746534,"Net investment gain":9215,"Income from invest bond proceeds":0},"Other revenues":{"value":163617,"Other total":163617,"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":10531466,"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":4596939,"Current officers":1043244,"Disqualified persons":0,"Other salaries and wages":3358595,"Pension plan contributions":66921,"Other employee benefits":64525,"Payroll taxes":63654},"Other expenses":{"value":5934527,"Management services":0,"Legal":1235,"Accounting":7500,"Lobbying services":0,"Investment management fees":0,"Other services":1336023,"Advertising":209641,"Office expenses":1569932,"Information technology":27583,"Royalties":0,"Occupancy":657879,"Travel":63253,"Conferences and meetings":0,"Interest":487723,"Payments to affiliates":0,"Depreciation and depletion":81990,"Insurance":237986,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1253782,"LOAN SERVICING EXPENSE":1019661,"MISC. OPERATING EXPENSE":199454,"OPERATING FEES":34667},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":333749671,"Non-interest bearing cash":1890417,"Savings and temp cash investments":56303758,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":407800,"Land, building, equipment":3141609,"Investments publicly traded":40859623,"Investments other":0,"Investments program related":229349650,"Intangible assets":488134,"Other assets":1308680},"Liabilities":{"value":302973019,"Sum of Total Liabilities":0,"Accounts payable, accrued":935041,"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":302037978},"Fund balance":{"value":30776652,"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":0.11131091408906058,"percentile":0.6420735898965472},"Liabilities to Assets Ratio":{"score":0.9077852214571921,"percentile":0.06336964733142915},"Operating Reserve Ratio":{"score":31.69071342964028,"percentile":0.9692182644441206},"Officer Compensation Ratio":{"score":0.1126509832534236,"percentile":0.5117010745052495},"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":0.5229381852480235,"percentile":0.3812751943201151}},"source_xml":"201413049349301551_public.xml"},{"Organization":{"value":null,"Person":["SEAMUS MORAN","RICHARD TOLEDO","THOMAS BREWER","TOM SUCHEVITS","MARCIA LILLIS","DON BARTELS","JAY CASTELLANO","GREG PECK","TEJINDER SINGH","FRANCES EDWARDS","BARBARA CANUP","CHRISTINA SALVATIER","ANDREA BREWER","BRAD THOMAS","BELINDA METZLER","DOROTHY GEMETTE","RICHARD TRESLER","LECIA ROUNDTREE","JANICE JOHNSON"],"Title":["CHAIRMAN","VICE CHAIRPERSON","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","SUPERVISORY COMMITTEE CHAIR","SUPERVISORY COMMITTEE MEMBER","SUPERVISORY COMMITTEE MEMBER","SUPERVISORY COMMITTEE MEMBER","SUPERVISORY COMMITTEE MEMBER","PRESIDENT/CEO","VP FINANCE/CFO","VP LENDING","VP BUSINESS OPERATIONS","VP MEMBER SERVICE","VP HR & ORGANIZATIONAL DEV","VP MARKETING"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,60.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,564230,269860,248786,240702,212444,229161,177768],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,437453,260943,227142,202640,196220,195211,164636],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,126777,8917,21644,38062,16224,33950,13132]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2020,"name":"PREMIERONE CREDIT UNION","phone":8555007128,"website":"WWW.PREMIERONECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ANDREA BREWER","year_formation":1968,"state_legal_domicile":"CA","total_volunteers":14,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"6640 VIA DEL ORO, SAN JOSE, CA, 95119, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95119},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":92,"Total Gross UBI":81046,"Net unrelated business taxable income":0,"Number of employees":92,"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":17837974,"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":16112566,"Total revenue":{"value":16112566,"LOAN INCOME":13376585,"OTHER OPERATING INCOME":1883664,"FEE INCOME":852317},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1643347,"Investment income total":1643347,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":82061,"Other total":82061,"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":16763051,"Grant expense":{"value":4150,"Grants to domestic orgs":0,"Grants to domestic individuals":4150,"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":7905482,"Current officers":1684245,"Disqualified persons":0,"Other salaries and wages":3702069,"Pension plan contributions":273922,"Other employee benefits":1445786,"Payroll taxes":799460},"Other expenses":{"value":8853419,"Management services":0,"Legal":242594,"Accounting":101368,"Lobbying services":0,"Investment management fees":0,"Other services":1091366,"Advertising":421710,"Office expenses":1874238,"Information technology":0,"Royalties":0,"Occupancy":722790,"Travel":21064,"Conferences and meetings":0,"Interest":1653599,"Payments to affiliates":0,"Depreciation and depletion":945905,"Insurance":34789,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1743996,"LOAN SERVICING EXPENSE":984728,"PROVISIONS FOR LOAN & L":612516,"MISC. OPERATING EXPENSE":89614,"OPERATING FEES":57138},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":514317666,"Non-interest bearing cash":1672116,"Savings and temp cash investments":106419137,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":5219808,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":608089,"Land, building, equipment":11980916,"Investments publicly traded":83875511,"Investments other":0,"Investments program related":298399987,"Intangible assets":389469,"Other assets":5752633},"Liabilities":{"value":466981223,"Sum of Total Liabilities":0,"Accounts payable, accrued":2187008,"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":464794215},"Fund balance":{"value":47336443,"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":0.06026037486095674,"percentile":0.5472652684228987},"Liabilities to Assets Ratio":{"score":0.9079626345170108,"percentile":0.06334015040156793},"Operating Reserve Ratio":{"score":30.68162627435781,"percentile":0.9680014728412559},"Officer Compensation Ratio":{"score":0.11590676422806326,"percentile":0.5020045937895443},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07099624885065159,"percentile":0.6847836037953431},"Asset Growth":{"score":0.05551603209375927,"percentile":0.5475494045548046},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5887279400276693,"percentile":0.5722711640288354}},"source_xml":"202142289349304414_public.xml"},{"Organization":{"value":null,"Person":["SEAMUS MORAN","RICHARD TOLEDO","THOMAS BREWER","TOM SUCHEVITS","MARCIA LILLIS","MARK VEEH","DON BARTELS","WILLIAM STAPLES","JAY CASTELLANO","GREG PECK","TEJINDER SINGH","FRANCES EDWARDS","BARBARA CANUP","ANDREA BREWER","BRAD THOMAS","DOROTHY GEMETTE","BELINDA METZLER","RICHARD TRESLER","THU CUSHING","JANICE JOHNSON"],"Title":["CHAIRMAN","VICE CHAIRPERSON","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SUPERVISORY COMMITTEE CHAIR","SUPERVISORY COMMITTEE MEMBER","SUPERVISORY COMMITTEE MEMBER","SUPERVISORY COMMITTEE CHAIR","PRESIDENT/CEO","VP FINANCE/CFO","VP BUSINESS OPERATIONS","VP LENDING","VP MEMBER SERVICE","AVP IT","VP MARKETING"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,60.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,429194,242059,223291,218351,179560,154745,145735],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,356080,233987,190345,183532,163649,136797,136163],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,73114,8072,32946,34819,15911,17948,9572]},"Basic":{"value":null,"mission":"A cooperative, organized for the purpose of promoting thrift and savings among its members.","year":2018,"name":"PREMIERONE CREDIT UNION","phone":8555007128,"website":"WWW.PREMIERONECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ANDREA BREWER","year_formation":1968,"state_legal_domicile":"CA","total_volunteers":13,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"6640 VIA DEL ORO, SAN JOSE, CA, 95119, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95119},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":108,"Total Gross UBI":88084,"Net unrelated business taxable income":0,"Number of employees":108,"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":17419427,"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":14374810,"Total revenue":{"value":14374810,"LOAN INCOME":11338776,"OTHER OPERATING INCOME":1965857,"FEE INCOME":1070177},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2962106,"Investment income total":2962106,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":82511,"Other total":82511,"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":14557383,"Grant expense":{"value":4000,"Grants to domestic orgs":0,"Grants to domestic individuals":4000,"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":7069918,"Current officers":1400553,"Disqualified persons":0,"Other salaries and wages":3417696,"Pension plan contributions":145824,"Other employee benefits":1391591,"Payroll taxes":714254},"Other expenses":{"value":7483465,"Management services":0,"Legal":137180,"Accounting":98117,"Lobbying services":0,"Investment management fees":0,"Other services":922046,"Advertising":193358,"Office expenses":1614945,"Information technology":0,"Royalties":0,"Occupancy":712119,"Travel":80351,"Conferences and meetings":0,"Interest":1071737,"Payments to affiliates":0,"Depreciation and depletion":901101,"Insurance":43443,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1709068,"LOAN SERVICING EXPENSE":883935,"PROVISIONS FOR LOAN & L":692435,"MISC. OPERATING EXPENSE":85880,"OPERATING FEES":46818},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":422671600,"Non-interest bearing cash":2843021,"Savings and temp cash investments":31226423,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":5320947,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":635056,"Land, building, equipment":12384097,"Investments publicly traded":60525390,"Investments other":0,"Investments program related":303923499,"Intangible assets":402825,"Other assets":5410342},"Liabilities":{"value":381454860,"Sum of Total Liabilities":0,"Accounts payable, accrued":2307310,"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":379147550},"Fund balance":{"value":41216740,"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":0.1643018452903187,"percentile":0.7167212283501733},"Liabilities to Assets Ratio":{"score":0.9024851918132186,"percentile":0.06425967622203323},"Operating Reserve Ratio":{"score":29.034861554442855,"percentile":0.9657982736958595},"Officer Compensation Ratio":{"score":0.10942454423298473,"percentile":0.5216480989203178},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07773118766376146,"percentile":0.7058401932219457},"Asset Growth":{"score":0.05152060755954942,"percentile":0.5325901704792523},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6228191288148367,"percentile":0.670539036709788}},"source_xml":"201943089349302334_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["SEAMUS MORAN","MARCIA LILLIS","TOM SUCHEVITIS","THOMAS BREWER","RICH TOLEDO","DON BARTELS","CHRISTINA SALVATIER","ANDREA BREWER","BRAD THOMAS","RICHARD TRESLER","DOROTHY GEMETTE","CHRISTOPHER CAPUTO","MANUEL CARINO","JANICE JOHNSON","AIDA TANNOUS","ALLISON COBURN","THU CUSHING","NICOLE CAMARILLO","EDDIELLE PARODI","MONIQUE EASLEY"],"Title":["CHAIR","VICE CHAIR","TREASURER","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/CEO","VP FINANCE/CFO","VP MEMBER SERVICE","VP BUSINESS OPERATIONS","VP LENDING OPERATIONS","AVP INFORMATION TECHNOLOGY","VP MARKETING","VP HR & ORGANIZATIONAL DEVELOPMENT","DIRECTOR OF DIGITAL SERVICES","INFORMATION SYSTEMS & DATA OFFICER","LOAN SERVICING MANAGER/AVP","DIRECTOR OF FINANCE/CONTROLLER","DIRECTOR OF CONSUMER LENDING"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,60.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,677131,372231,293015,293366,275477,251150,248184,226512,166621,170494,174241,168322,172521],"Direct compensation":[0,0,0,0,0,0,0,625579,361634,258353,243168,248754,220018,214864,199112,160751,164813,157313,149681,136914],"Other compensation":[0,0,0,0,0,0,0,51552,10597,34662,50198,26723,31132,33320,27400,5870,5681,16928,18641,35607]},"Basic":{"value":null,"mission":"A cooperative organized for the purpose of promoting thrift and savings among its members.","year":2024,"name":"PREMIERONE CREDIT UNION","phone":8555007128,"website":"WWW.PREMIERONECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ANDREA BREWER","year_formation":1968,"state_legal_domicile":"CA","total_volunteers":8,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"6640 VIA DEL ORO, SAN JOSE, CA, 95119, USA","city":"SAN JOSE","state":"CA","country":"USA","zip_code":95119},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":101,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":101,"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":36239784,"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":29098982,"Total revenue":{"value":29098982,"LOAN INCOME":23951393,"INTERCHANGE INCOME":2000100,"OTHER OPERATING INCOME":1843910,"FEE INCOME":1303579},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":6824544,"Investment income total":4461650,"Net investment gain":2362894,"Income from invest bond proceeds":0},"Other revenues":{"value":316258,"Other total":0,"Royalties revenue":0,"Net rental income":316258,"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":30892424,"Grant expense":{"value":9500,"Grants to domestic orgs":0,"Grants to domestic individuals":9500,"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":7654465,"Benefits paid to members Total":7654465},"Salaries":{"value":10802703,"Current officers":2637063,"Disqualified persons":0,"Other salaries and wages":6738615,"Pension plan contributions":105467,"Other employee benefits":640020,"Payroll taxes":681538},"Other expenses":{"value":12425756,"Management services":0,"Legal":69794,"Accounting":132140,"Lobbying services":0,"Investment management fees":0,"Other services":345565,"Advertising":415306,"Office expenses":1994499,"Information technology":732841,"Royalties":0,"Occupancy":1073492,"Travel":40336,"Conferences and meetings":83933,"Interest":1995742,"Payments to affiliates":0,"Depreciation and depletion":856469,"Insurance":62019,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":4623620,"PROVISION FOR LOAN LOSS":2252210,"LOAN SERVICING FEES":1477454,"OTHER EXPENSES":811132,"DUES AND SUBSCRIPTIONS":82824},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":627716177,"Non-interest bearing cash":1774204,"Savings and temp cash investments":68960467,"Pledges and grants receivable":0,"Accounts receivable":33640,"Receivables from officers":12078492,"Receivables from disqual persons":0,"Other net note and loans":417801200,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1079872,"Land, building, equipment":15960517,"Investments publicly traded":86341971,"Investments other":8341099,"Investments program related":0,"Intangible assets":914462,"Other assets":14430253},"Liabilities":{"value":577444719,"Sum of Total Liabilities":0,"Accounts payable, accrued":7191035,"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":45000000,"Unsecured notes loans payable":0,"Other liabilities":525253684},"Fund balance":{"value":50271458,"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":0.1475549633518787,"percentile":0.6953947873908197},"Liabilities to Assets Ratio":{"score":0.9199137128498761,"percentile":0.0614070772967047},"Operating Reserve Ratio":{"score":20.31942126004745,"percentile":0.9469575056600715},"Officer Compensation Ratio":{"score":0.11294888999322293,"percentile":0.5108131827987343},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.09664747556724686,"percentile":0.7561888779795126},"Asset Growth":{"score":0.06131420854677015,"percentile":0.5683886546782336},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6240596771804822,"percentile":0.6739585747731723}},"source_xml":"202523219349324592_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}