Credit Unions in the State of California Pacific Community Credit Union
Nonprofit profile at a glance
- EIN
- 951878302
- IRS 990 coverage
- 2010–2017
- Forms available
- Form 990 2017
- Location
- Fullerton, CA, USA
- Phone
- 7145262328
- Rating confidence
- Limited
- Sector
- Public, Societal Benefit
Reported finances
- Revenue
- $7,227,977
- Expenses
- $7,043,704
- Assets
- $0
- Liabilities
- $0
Source: IRS Form 990. Selected filing: tax year 2017. Amounts in USD.
Leadership & pay
18 people listed
Executive titles in this filing
- KEVIN PENDERGRAFT (PRESIDENT/CEO)
Highest reported compensation
- KEVIN PENDERGRAFT (PRESIDENT/CEO): $471,948 total reported compensation
- JEANNETTE BARTUS (CHIEF OPERATIONS OFFICER): $201,270 total reported compensation
- TIMOTHY MCADAM (VP OF SALES & MARKETING): $181,195 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2017. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Pacific community operations are related to deposits and loans to employees and former employees of beckman, aerojet, smithkline, allergan, gte and gtel who live or work in cities in California, who attend school, or worship in the oc as well as any and all businesses, organizations, assoc., or other entities in such county, persons who reside, or are employed in cities located in eastern la and other members defined in bylaws.
Operating model
- Revenue model
- Earned-program. 84% 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: 68
- Accountability: 91
- Sustainability: 23
- Growth: 40
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 91.7%; rating input score 92; 5th percentile among comparable filings
- Pay-setting controls: 3 of 6 controls in place; rating input score 50
- Compensation committee: Missing
- Independent consultant: Missing
- 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: 54.8%; rating input score 55; 15th percentile among comparable filings
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
- Governance controls: 7 of 9 controls in place; rating input score 78
- 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: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: 2.5%; rating input score 46; 46th percentile among comparable filings
- Total-asset coverage ratio: 0; rating input score 0; 0th percentile among comparable filings
- Liabilities to assets ratio: Limited
- Officer compensation ratio: 20.7%; rating input score 8; 8th percentile among comparable filings
Growth
- Program expense growth: 2.6% per year; rating input score 100; 37th percentile among comparable filings
- Revenue growth: -3.4% per year; rating input score 0; 10th percentile among comparable filings
- Asset growth: -9.4% per year; rating input score 0; 5th percentile among comparable filings
Details
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 8 of 8 board members independent · 7 of 9 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $472K · 18 people listed · 3 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $1M reported
- Consistency: 8 of 9 current checks pass · 1 finding to review
- Schedules: 6 filed schedules · includes grants and executive pay
- Filing history: 8 filing years from 2010 to 2017
- Contacts: How to reach this organization
- Money network: 10 filed money-flow records
- Related organizations: 1 filed related-organization link
- 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.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
Grant-readiness screening is separate from the live rating, not a measure of program quality. Review the source records before making a grant decision.
- Review — Transparency & Controls: Grant itemization coverage scored 55/100.
- High — Growth: Revenue growth scored 0/100.
- High — Sustainability: Total-asset coverage ratio scored 0/100.
- Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
- Moderate — Sustainability: Operating margin scored 46/100.
- Review — Accountability: Governance controls: Independent financial-statement audit not reported.
- High — Growth: Asset growth scored 0/100.
- High — Sustainability: Officer compensation ratio scored 8/100.
- High — Grant Readiness: Automatic revocation: this organization had its federal tax-exempt status automatically revoked.