California Credit Union
Nonprofit profile at a glance
- EIN
- 950951410
- IRS 990 coverage
- 2010–2025
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2025
- Location
- Los Angeles, CA, USA
- Phone
- (800) 334-8788
- Rating confidence
- Limited
Reported finances
- Revenue
- $260,469,150
- Expenses
- $228,922,639
- Assets
- $0
- Liabilities
- $0
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
36 people listed
Executive titles in this filing
- STEVEN O'CONNELL (PRESIDENT, CEO)
- MARK LOVEWELL (EVP, CFO AND PRESIDENT OF CUSO OPS)
- FRANK BERRIZ (CMT PRESIDENT, CEO)
Highest reported compensation
- JOHN BRETTHAUER (EVP, CHIEF ADMINISTRATIVE OFFICER): $1,638,701 total reported compensation
- STEVEN O'CONNELL (PRESIDENT, CEO): $1,295,492 total reported compensation
- IRMA A JIMENEZ (VP, MORTGAGE LOAN OFFICER): $1,162,558 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
We’re committed to providing reliable, rewarding and convenient financial partnership to community members, businesses and educators.
What it reported doing in 2025
At California credit union, we were proud to continue supporting our members and communities by helping them achieve their financial goals. Adding new member value has always been a key priority and we continued to deliver as we were once again certified as a community development financial institution (cdfi), a designation only given to organizations proven to provide financial services in communities that have historically lacked access to traditional banking services. We continued to offer our bank on checking account which is a safe banking solution designed for prospective members who may not qualify for other checking account types due to their past banking history at other financial institutions. This product is featured on the national bank on website, which provides a direct link to our website. In 2025, our financial literacy programs reached 60,000 providing 40 financial education modules to all members and website visitors for free as well as offering financial literacy programs in partnership with greenpath financial wellness and a bite of reality.
Operating model
- Revenue model
- Earned-program. 74% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 89
- Accountability: 100
- Sustainability: 37
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 90%; rating input score 90; 5th percentile among comparable filings
- Pay-setting controls: 5 of 6 controls in place; rating input score 83
- Compensation committee: Pass
- Independent consultant: Pass
- Other Form 990s reviewed: Missing
- Written employment contract: Pass
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: 91.2%; rating input score 91; 30th percentile among comparable filings
- Major donor itemization: Limited
- Related-party transparency: Yes; rating input score 100
Accountability
- Independent voting board: 100%; rating input score 100; 65th percentile among comparable filings
- Governance controls: 9 of 9 controls in place; rating input score 100
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 12.1%; rating input score 75; 75th percentile among comparable filings
- Total-asset coverage ratio: 0; rating input score 1; 1st percentile among comparable filings
- Liabilities to assets ratio: Limited
- Officer compensation ratio: 5.9%; rating input score 15; 15th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 10.2% per year; rating input score 100; 74th percentile among comparable filings
- Asset growth: 8.5% per year; rating input score 100; 60th percentile among comparable filings
Details
- What they do: 3 programs and campaigns described on the official site · 4 operating locations identified
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 7 of 7 board members independent · 9 of 9 filing controls reported
- Programs: 3 filed program accomplishments
- Leadership: top reported pay $1.6M · 36 people listed · 5 of 6 pay-setting controls reported
- Highest-paid contractors: 2 contractors listed · $361K reported
- Consistency: 9 of 10 current checks pass · 1 finding to review
- Schedules: 6 filed schedules · includes grants, executive pay, and related organizations
- Filing history: 16 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 46 filed money-flow records
- Related organizations: 24 filed related-organization links
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Sustainability: Total-asset coverage ratio scored 1/100.
- Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
- High — Sustainability: Officer compensation ratio scored 15/100.