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Provident Credit Union

  • Redwood City, CA
  • Tax-exempt since June 1961
  • EIN: 94-1482957

Organization summary

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Details

According to its Dec. 2023 tax filing, this nonprofit:

Reported conflict of interest transactions
Organizations must report loans, grants or business transactions with interested parties, which may include key employees and officers, their family members and any businesses in which they hold a controlling interest. These transactions must be reported on Schedule L.

Summary charts: organization finances over time

Revenue
$145M (2023)

Expenses
$138M (2023)

Total Assets
$3.5B (2023)

Total Liabilities
$3.16B (2023)

Source: Form 990 tax filings from 2011 to 2023

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$145,149,155
Expenses
$137,818,872
Net Income
$7,330,283
Net Assets
$337,161,223
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $122,177,191
84.2%
Investment Income $19,588,217
13.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $2,788,209
1.9%
Net Fundraising $0
Sales of Assets $8,504
0.0%
Net Inventory Sales $0
Other Revenue $587,034
0.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $6,530,778
4.7%
Professional Fundraising Fees $0
Other Salaries and Wages $26,336,338
19.1%
Assets/Debt
Total Assets $3,497,380,170
Total Liabilities $3,160,218,947
Net Assets $337,161,223
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
James Ernest (President/Ceo) $1,091,519 $0 $67,459
Heidi Parks (Svp) $611,641 $0 $37,045
Jennifer Lee (Svp/Cfao) $507,184 $0 $57,481
Connie K Finch (Vp, Systems & Tech) $406,496 $0 $34,167
Fred Gomes (Svp) $386,877 $0 $68,688
Greg Kent Mccurdy (Vp, Lending) $345,282 $0 $51,070
Mohamad A Sangabi (Sr. Mortgage Cons.) $339,661 $0 $43,710
John Haggarty (Vp, Marketing) $336,680 $0 $80,217
John Paul Reilly (Vp, Bs&O) $324,647 $0 $70,870
Ganesh Raghavan (Vp,Network Infrastructure & Security) $319,854 $0 $46,698
Shalini Sahdeo Narayan (Vp, Service Quality) $316,510 $0 $74,290
Robert Bernard Kettmann (Mortgage Production Sales Manager) $268,537 $0 $26,012
Paul Shea (Vp, Human Resources) $247,618 $0 $65,954
Christine M Keane (Vp, Risk Management) $230,405 $0 $39,844
Janelle Huynh (Vp, Finance) $215,722 $0 $43,705
Lan Figueroa (Sr. Mortgage Cons.) $208,305 $0 $33,386
Phuong Patricia Jacobs (Mortgage Counselor I) $207,278 $0 $13,411
Fatemeh Asad Sangabi (Sr. Mortgage Cons.) $166,562 $0 $44,385
June Rothe (Chairman) $0 $0 $0
Samuel Johnson Jr (Vice Chairman) $0 $0 $0
Christine Boland (Secretary) $0 $0 $0
David Buckmaster (Treasurer) $0 $0 $0
David Pelzner (Board Member) $0 $0 $0
Scott O'brien (Board Member) $0 $0 $0
Bob Lanzone (Board Member) $0 $0 $0
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990
Filed on Nov. 15, 2024

Primary tax return for a nonprofit’s activities, finances, and governance

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XML

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$112,950,041
Expenses
$107,810,551
Net Income
$5,139,490
Net Assets
$300,967,654
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $92,811,291
82.2%
Investment Income $15,765,485
14.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $4,373,265
3.9%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $6,463,319
6.0%
Professional Fundraising Fees $0
Other Salaries and Wages $27,239,807
25.3%
Assets/Debt
Total Assets $3,510,687,147
Total Liabilities $3,209,719,493
Net Assets $300,967,654
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
James Ernest (President/Ceo) $1,015,786 $0 $65,920
Mohamad A Sangabi (Sr. Mortgage Cons.) $555,243 $0 $44,912
Jennifer Lee (Cfo) $466,758 $0 $50,670
Heidi Parks (Svp) $377,646 $0 $57,093
Fred Gomes (Svp) $369,662 $0 $74,824
Robert Bernard Kettmann (Mortgage Production Sales Manager) $346,435 $0 $41,102
John Paul Reilly (Vp, Bs&O) $339,502 $0 $72,429
Connie K Finch (Vp, Systems & Tech) $334,291 $0 $55,123
Greg Kent Mccurdy (Vp, Lending) $332,294 $0 $48,536
Matthew Lawrence Agius (Financial Consultant) $331,166 $0 $36,071
Ganesh Raghavan (Vp, Network Infrastructure & Security) $308,694 $0 $42,173
John Haggarty (Vp, Marketing) $307,050 $0 $72,377
Shalini Sahdeo Narayan (Vp, Service Quality) $298,742 $0 $64,885
Lan Figueroa (Sr. Mortgage Cons.) $269,760 $0 $36,198
Christine M Keane (Vp, Risk Management) $216,003 $0 $36,479
Paul Shea (Vp, Human Resources) $208,966 $0 $59,167
James Paul Traceski (Vp, Human Resources) $207,522 $0 $3,302
Fatemeh Asad Sangabi (Sr. Mortgage Cons.) $177,801 $0 $45,060
David Pelzner (Chairman) $0 $0 $0
June Rothe (Vice Chairman) $0 $0 $0
Samuel Johnson Jr (Secretary) $0 $0 $0
Christine Boland (Treasurer) $0 $0 $0
David Buckmaster (Board Member) $0 $0 $0
Scott O'brien (Board Member) $0 $0 $0
Bob Lanzone (Board Member) $0 $0 $0
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990
Filed on Oct. 27, 2023

Primary tax return for a nonprofit’s activities, finances, and governance

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XML

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$114,626,988
Expenses
$104,236,674
Net Income
$10,390,314
Net Assets
$341,219,405
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $103,783,547
90.5%
Investment Income $6,294,847
5.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $4,347,760
3.8%
Net Fundraising $0
Sales of Assets $10,000
0.0%
Net Inventory Sales $0
Other Revenue $190,834
0.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $7,059,339
6.8%
Professional Fundraising Fees $0
Other Salaries and Wages $28,136,475
27.0%
Assets/Debt
Total Assets $3,536,838,918
Total Liabilities $3,195,619,513
Net Assets $341,219,405
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
James Ernest (President/Ceo) $907,449 $0 $64,460
Mohamad A Sangabi (Sr. Mortgage Consultant) $773,068 $0 $43,158
Robert Bernard Kettmann (Mortgage Production Sales Manager) $573,643 $0 $39,809
Lan Figueroa (Sr. Mortgage Consultant) $470,115 $0 $63,257
Fatemeh Asad Sangabi (Sr. Mortgage Consultant) $463,837 $0 $52,451
Jennifer Lee (Cfo) $435,879 $0 $49,960
Phuong Patricia Jacobs (Mortgage Counselor I) $386,661 $0 $9,214
Heidi Parks (Svp) $368,435 $0 $56,504
Fred Gomes (Svp) $368,265 $0 $74,264
Connie K Finch (Vp, Systems & Tech) $329,238 $0 $55,815
John Paul Reilly (Vp, Bs&O) $316,669 $0 $70,573
Greg Kent Mccurdy (Vp, Lending) $301,726 $0 $48,225
John Haggarty (Vp, Marketing) $298,902 $0 $70,527
Ganesh Raghavan (Vp, Network Infrastructure & Security) $289,876 $0 $58,464
James Paul Traceski (Vp, Human Resources) $289,779 $0 $24,102
Shalini Sahdeo Narayan (Vp, Service Quality) $284,559 $0 $58,521
Christine M Keane (Vp, Risk Management) $201,237 $0 $35,532
David Pelzner (Chairman) $0 $0 $0
June Rothe (Vice Chairman) $0 $0 $0
Christine Boland (Treasurer) $0 $0 $0
Samuel Johnson Jr (Secretary) $0 $0 $0
David Buckmaster (Board Member) $0 $0 $0
Scott O'brien (Board Member) $0 $0 $0
Bob Lanzone (Board Member) $0 $0 $0
George Descalso (Board Member) $0 $0 $0
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990
Filed on Nov. 10, 2022

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$140,292,462
Expenses
$121,217,100
Net Income
$19,075,362
Net Assets
$340,996,250
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $125,375,136
89.4%
Investment Income $10,291,972
7.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $4,454,145
3.2%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $171,209
0.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $6,946,721
5.7%
Professional Fundraising Fees $0
Other Salaries and Wages $28,196,735
23.3%
Assets/Debt
Total Assets $3,317,870,698
Total Liabilities $2,976,874,448
Net Assets $340,996,250
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
James Ernest (President/Ceo) $909,196 $0 $62,466
Mohamad A Sangabi (Sr. Mortgage Consultant) $804,371 $0 $42,334
Robert Bernard Kettmann (Mortgage Production Sales) $606,220 $0 $31,748
Fatemeh Asad Sangabi (Sr. Mortgage Consultant) $577,125 $0 $52,973
Lan Figueroa (Sr. Mortgage Consultant) $524,745 $0 $36,810
Phuong Patricia Jacobs (Mortgage Counselor I) $493,910 $0 $9,111
Jennifer Lee (Cfo) $379,319 $0 $48,216
Heidi Parks (Svp) $365,686 $0 $49,386
Fred Gomes (Svp) $362,403 $0 $72,367
Connie K Finch (Vp Systems & Tech) $325,015 $0 $53,247
John Paul Reilly (Vp Bs&O) $299,485 $0 $68,480
James Paul Traceski (Vp Human Resources) $290,922 $0 $22,979
John Haggarty (Vp Marketing) $286,639 $0 $68,745
Greg Kent Mccurdy (Vp Lending) $285,645 $0 $46,095
Shalini Sahdeo Narayan (Vp Service Quality) $236,326 $0 $44,919
Christine M Keane (Vp Risk Management) $199,714 $0 $34,739
David Pelzner (Chairman) $0 $0 $0
June Rothe (Vice Chairman) $0 $0 $0
Christine Boland (Treasurer) $0 $0 $0
Samuel Johnson Jr (Secretary) $0 $0 $0
David Buckmaster (Board Member) $0 $0 $0
Scott O'brien (Board Member) $0 $0 $0
Bob Lanzone (Board Member) $0 $0 $0
George Descalso (Board Member) $0 $0 $0
Andrea Kenter (Board Member) $0 $0 $0
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990
Filed on Nov. 10, 2021

Primary tax return for a nonprofit’s activities, finances, and governance

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XML

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$118,064,717
Expenses
$101,425,758
Net Income
$16,638,959
Net Assets
$320,808,377
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $97,413,107
82.5%
Investment Income $16,548,418
14.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $3,963,076
3.4%
Net Fundraising $0
Sales of Assets $11,237
0.0%
Net Inventory Sales $0
Other Revenue $128,879
0.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $5,024,405
5.0%
Professional Fundraising Fees $0
Other Salaries and Wages $24,894,393
24.5%
Assets/Debt
Total Assets $2,795,784,013
Total Liabilities $2,474,975,636
Net Assets $320,808,377
Other
Provided first-class or charter travel
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
James Ernest (President/Ceo) $823,643 $0 $56,203
Mohamad A Sangabi (Sr. Mortgage Consultant) $411,012 $0 $41,983
Fred Gomes (Svp) $343,056 $0 $61,933
Heidi Parks (Svp) $342,367 $0 $47,820
Jennifer Lee (Cfo) $322,211 $0 $40,789
Robert Bernard Kettmann (Mortgage Production Sales Manager) $312,752 $0 $19,109
Connie K Finch (Vp Systems & Tech) $304,095 $0 $46,261
Lan Figueroa (Sr. Mortgage Consultant) $293,037 $0 $36,748
John Paul Reilly (Vp Bs&O) $272,142 $0 $57,383
John Haggarty (Vp Marketing) $260,301 $0 $57,631
Greg Kent Mccurdy (Vp Lending) $258,763 $0 $38,382
Fatemeh Asad Sangabi (Sr. Mortgage Consultant) $233,668 $0 $45,715
James Paul Traceski (Vp Human Resources) $232,521 $0 $20,190
Phuong Patricia Jacobs (Mortgage Counselor I) $217,766 $0 $10,955
Shalini Sahdeo Narayan (Vp Service Quality) $209,677 $0 $47,172
Christine M Keane (Vp Risk Management) $187,394 $0 $41,906
Lawrence Teshara (Chairman) $0 $0 $0
David Pelzner (Vice Chairman) $0 $0 $0
Samuel Johnson Jr (Treasurer) $0 $0 $0
June Rothe (Secretary) $0 $0 $0
David Buckmaster (Board Member) $0 $0 $0
Robert Lanzone (Board Member) $0 $0 $0
Scott Obrien (Board Member) $0 $0 $0
Janet Mathis (Board Member) $0 $0 $0
Christine Boland (Board Member) $0 $0 $0
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990
Filed on Nov. 3, 2020

Primary tax return for a nonprofit’s activities, finances, and governance

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Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$102,329,240
Expenses
$86,222,533
Net Income
$16,106,707
Net Assets
$297,267,501
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $83,831,557
81.9%
Investment Income $15,411,254
15.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $3,029,472
3.0%
Net Fundraising $0
Sales of Assets $25,000
0.0%
Net Inventory Sales $0
Other Revenue $31,957
0.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $4,553,561
5.3%
Professional Fundraising Fees $0
Other Salaries and Wages $21,519,193
25.0%
Assets/Debt
Total Assets $2,599,866,298
Total Liabilities $2,302,598,797
Net Assets $297,267,501
Other
Provided first-class or charter travel
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
James Ernest (President/Ceo) $728,441 $0 $59,752
Fred Gomes (Svp Cfo) $348,109 $0 $66,481
Heidi Parks (Svp) $337,018 $0 $51,278
Sangabi Mohamad A (Sr. Mortgage Cons.) $335,812 $0 $41,063
Jennifer Lee (Vp Finance) $312,801 $0 $44,010
Connie K Finch (Vp Systems & Tech) $307,900 $0 $49,756
David Herrera Jr (Sr. Mortgage Cons.) $291,404 $0 $27,718
John Haggarty (Vp Marketing) $269,539 $0 $63,281
John Paul Reilly (Vp Bs&O) $243,090 $0 $62,084
Robert Bernard Kettmann (Mortgage Production Sales Manager) $233,982 $0 $27,876
James Paul Traceski (Vp, Human Resources) $223,557 $0 $21,995
Greg Kent Mccurdy (Vp Lending) $223,008 $0 $19,944
Shalini Sahdeo Narayan (Vp Service Quality) $189,654 $0 $53,752
Lan Figueroa (Personal Account Officer) $182,856 $0 $23,993
Fatemeh Asad Sangabi (Mortgage Counselor I) $168,457 $0 $39,962
Christine M Keane (Vp Risk Management) $157,933 $0 $41,241
Robert Lanzone (Chairman) $0 $0 $0
Lawrence Teshara (Vice Chairman) $0 $0 $0
David Pelzner (Secretary) $0 $0 $0
June Rothe (Treasurer) $0 $0 $0
Samuel Johnson Jr (Board Member) $0 $0 $0
Christine Boland (Board Member) $0 $0 $0
Janet Mathis (Board Member) $0 $0 $0
David Buckmaster (Board Member) $0 $0 $0
Scott Obrien (Board Member) $0 $0 $0
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990
Filed on Nov. 14, 2019

Primary tax return for a nonprofit’s activities, finances, and governance

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PDF XML

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$96,310,989
Expenses
$80,580,199
Net Income
$15,730,790
Net Assets
$282,026,766
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $76,106,081
79.0%
Investment Income $16,593,232
17.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $3,448,899
3.6%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $162,777
0.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $7,328,408
9.1%
Professional Fundraising Fees $0
Other Salaries and Wages $17,049,701
21.2%
Assets/Debt
Total Assets $2,385,488,711
Total Liabilities $2,103,461,945
Net Assets $282,026,766
Other
Provided first-class or charter travel
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Wayne Bunker (President/Ceo (Former)) $3,194,899 $0 $22,196
James Ernest (President/Ceo) $689,666 $0 $70,350
Heidi Parks (Svp) $367,085 $0 $48,117
Fred Gomes (Svp Cfo) $334,880 $0 $62,915
Connie Finch (Vp System & Technology) $301,039 $0 $46,639
Jennifer Lee (Vp Finance) $293,999 $0 $35,298
David Herrera Jr (Vp Lending) $272,094 $0 $45,795
Mohamad Sangabi (Senior Mortgage Consultant) $249,699 $0 $37,193
John Haggarty (Vp Marketing) $247,864 $0 $58,052
James Paul Traceski (Vp Human Resources) $206,915 $0 $33,893
John Paul Reilly (Vp Bs&O) $201,120 $0 $62,091
Robert Bernard Kettmann (Mortgage Production Sales) $196,649 $0 $23,748
Greg Kent Mccurdy (Avp Real Estate) $195,970 $0 $34,268
Lan Figueroa (Personal Acct Officer) $170,486 $0 $25,681
Christine Keane (Vp Risk Management) $153,218 $0 $39,019
Fatemeh Asad Sangabi (Mortgage Consultant) $141,814 $0 $20,473
Raymond Kenneth Wilkerson (Mortgage Consultant) $111,011 $0 $13,329
Robert Lanzone (Chairman) $0 $0 $0
Lawrence Teshara (Vice Chairman) $0 $0 $0
David Pelzner (Secretary) $0 $0 $0
June Rothe (Treasurer) $0 $0 $0
Fred Marcussen (Director) $0 $0 $0
Samuel Johnson Jr (Director) $0 $0 $0
Christine Boland (Director) $0 $0 $0
Janet Mathis (Director) $0 $0 $0
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990
Filed on Nov. 14, 2018

Primary tax return for a nonprofit’s activities, finances, and governance

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PDF XML

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$91,622,709
Expenses
$72,923,183
Net Income
$18,699,526
Net Assets
$270,847,994
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $76,119,181
83.1%
Investment Income $11,904,757
13.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $3,276,129
3.6%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $322,642
0.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $4,965,811
6.8%
Professional Fundraising Fees $0
Other Salaries and Wages $20,073,328
27.5%
Assets/Debt
Total Assets $2,283,897,433
Total Liabilities $2,013,049,439
Net Assets $270,847,994
Other
Provided first-class or charter travel
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Wayne Bunker (President/Ceo) $691,685 $0 $74,060
James Ernest (Evp/Coo) $576,489 $0 $74,060
Fred Gomes (Svp Cfo) $522,409 $0 $59,414
Mohamad Sangabi (Senior Mortgage Consultant) $379,690 $0 $37,941
Heidi Parks (Svp) $320,511 $0 $52,351
Connie Finch (Vp System & Technology) $297,643 $0 $50,970
Robert Bernard Kettmann (Mortgage Production Sales Manager) $283,985 $0 $26,637
David Herrera Jr (Vp Lending) $268,566 $0 $50,482
Jennifer Lee (Vp Finance) $265,598 $0 $39,442
Celia Tanaka (Vp, Hr & Training) $263,647 $0 $22,084
John Haggarty (Vp Marketing) $252,501 $0 $60,640
Lan Figueroa (Personal Acct Officer) $226,501 $0 $28,069
Fatemeh Asad Sangabi (Mortgage Consultant) $208,345 $0 $54,371
Raymond Kenneth Wilkerson (Mortgage Consultant) $207,766 $0 $12,401
Greg Kent Mccurdy (Avp Real Estate) $200,475 $0 $41,237
Fred Marcussen (Chairman) $0 $0 $0
Robert Lanzone (Vice Chairman) $0 $0 $0
Lawrence Teshara (Secretary) $0 $0 $0
David Pelzner (Treasurer) $0 $0 $0
June Rothe (Director) $0 $0 $0
Samuel Johnson Jr (Director) $0 $0 $0
Christine Boland (Director) $0 $0 $0
Janet Mathis (Director) $0 $0 $0
David Buckmaster (Director) $0 $0 $0
Andrea Kenter (Supv Cmte Chair) $0 $0 $0
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990
Filed on Nov. 15, 2017

Primary tax return for a nonprofit’s activities, finances, and governance

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PDF XML

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$80,123,092
Expenses
$63,943,576
Net Income
$16,179,516
Net Assets
$251,505,936
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $67,837,737
84.7%
Investment Income $9,652,863
12.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $2,613,037
3.3%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $19,455
0.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $4,242,694
6.6%
Professional Fundraising Fees $0
Other Salaries and Wages $17,828,687
27.9%
Assets/Debt
Total Assets $2,124,975,420
Total Liabilities $1,873,469,484
Net Assets $251,505,936
Other
Provided first-class or charter travel
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Wayne Bunker (President/Ceo) $671,564 $0 $194,279
James Ernest (Evp/Coo) $374,095 $0 $96,848
Fred Gomes (Svp Cfo) $322,090 $0 $81,751
Mohamad Sangabi (Senior Mortgage Consultant) $304,823 $0 $36,949
Heidi Parks (Svp) $301,781 $0 $75,589
Connie Finch (Vp System & Technology) $271,760 $0 $49,261
David Herrera Jr (Vp Lending) $261,141 $0 $48,935
Lan Figueroa (Personal Acct Officer) $231,710 $0 $24,878
Celia Tanaka (Vp, Hr & Training) $222,948 $0 $31,368
Jennifer Lee (Vp Finance) $212,205 $0 $29,126
John Haggarty (Vp Marketing) $204,383 $0 $57,925
Robert Bernard Kettmann (Senior Mortgage Consultant) $190,645 $0 $18,019
Greg Kent Mccurdy (Avp Real Estate) $177,941 $0 $38,948
Janell Bernice Bautista (Vp Quality Service) $171,639 $0 $32,917
John Paul Reilly (Vp Bs&O) $165,495 $0 $48,709
Fatemeh Asad Sangabi (Mortgage Consultant) $158,474 $0 $52,061
David Buckmaster (Chairman) $0 $0 $0
Fred Marcussen (Vice Chairman) $0 $0 $0
Robert Lanzone (Secretary) $0 $0 $0
Lawrence Teshara (Treasurer) $0 $0 $0
Janet Mathis (Director) $0 $0 $0
David Pelzner (Director) $0 $0 $0
Christine Boland (Director) $0 $0 $0
June Rothe (Director) $0 $0 $0
Samuel Johnson Jr (Director) $0 $0 $0
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990
Filed on Nov. 15, 2016

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$74,066,430
Expenses
$63,200,400
Net Income
$10,866,030
Net Assets
$236,083,001
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $60,800,293
82.1%
Investment Income $7,575,481
10.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $2,426,510
3.3%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $3,264,146
4.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $3,782,125
6.0%
Professional Fundraising Fees $0
Other Salaries and Wages $17,043,903
27.0%
Assets/Debt
Total Assets $2,032,003,563
Total Liabilities $1,795,920,562
Net Assets $236,083,001
Other
Provided first-class or charter travel
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Wayne Bunker (President/Ceo) $625,789 $0 $193,779
James Ernest (Evp/Coo) $364,525 $0 $96,348
Fred Gomes (Svp Cfo) $310,752 $0 $81,825
Heidi Parks (Svp) $291,625 $0 $75,093
Connie Finch (Vp System & Technology) $259,407 $0 $46,909
David Herrera Jr (Vp Lending) $254,873 $0 $48,486
Celia Tanaka (Vp, Hr & Training) $246,788 $0 $35,507
Mohamad Sangabi (Senior Mortgage Consultant) $227,083 $0 $32,666
Jennifer Lee (Vp Finance) $202,501 $0 $22,991
John Haggarty (Vp Marketing) $199,577 $0 $57,390
Greg Kent Mccurdy (Avp Real Estate) $173,798 $0 $21,988
Iris Solano (Avp Systm & Telephony) $165,209 $0 $23,712
Janell Bernice Bautista (Vp Quality Service) $159,950 $0 $31,851
Robert Bernard Kettmann (Senior Mortgage Consultant) $151,807 $0 $15,744
Jesus Cerpa (Avp Applications) $148,441 $0 $36,725
David Buckmaster (Chairman) $0 $0 $0
Fred Marcussen (Vice Chairman) $0 $0 $0
Robert Lanzone (Secretary) $0 $0 $0
Lawrence Teshara (Treasurer) $0 $0 $0
Janet Mathis (Director) $0 $0 $0
David Pelzner (Director) $0 $0 $0
Christine Boland (Director) $0 $0 $0
June Rothe (Director) $0 $0 $0
Samuel Johnson Jr (Director) $0 $0 $0
Scott Mcwhirter (Supv Cmte Chair) $0 $0 $0
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990
Filed on Oct. 27, 2015

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$74,422,514
Expenses
$62,501,586
Net Income
$11,920,928
Net Assets
$223,639,619
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $67,455,770
90.6%
Investment Income $4,763,397
6.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $1,771,454
2.4%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $431,893
0.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $3,677,091
5.9%
Professional Fundraising Fees $0
Other Salaries and Wages $17,150,408
27.4%
Assets/Debt
Total Assets $1,901,980,386
Total Liabilities $1,678,340,767
Net Assets $223,639,619
Other
Provided first-class or charter travel
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Wayne Bunker (President/Ceo) $617,086 $0 $189,205
James Ernest (Evp/Coo) $348,765 $0 $86,202
Mohamad Sangabi (Senior Mortgage Consultant) $290,716 $0 $34,666
Fred Gomes (Svp Cfo) $286,499 $0 $77,025
Heidi Parks (Svp) $275,193 $0 $71,948
Connie Finch (Vp System & Technology) $247,803 $0 $43,949
Celia Tanaka (Vp, Hr & Training) $232,649 $0 $33,952
Lan Figueroa (Personal Account Officer) $223,275 $0 $26,865
Fatemeh Asad Sangabi (Mortgage Counselor) $215,671 $0 $37,272
David Herrera Jr (Vp Lending) $210,964 $0 $46,019
Jennifer Lee (Vp Financing) $195,201 $0 $22,194
John Haggarty (Vp Marketing) $189,081 $0 $52,964
Robert Bernard Kettmann (Senior Mortgage Consultant) $182,572 $0 $15,156
Greg Kent Mccurdy (Avp Real Estate) $161,616 $0 $30,172
David Buckmaster (Chairman) $0 $0 $0
Fred Marcussen (Vice Chairman) $0 $0 $0
Robert Lanzone (Secretary) $0 $0 $0
Lawrence Teshara (Treasurer) $0 $0 $0
Janet Mathis (Director) $0 $0 $0
David Pelzner (Director) $0 $0 $0
Christine Boland (Director) $0 $0 $0
June Rothe (Director) $0 $0 $0
Samuel Johnson Jr (Director) $0 $0 $0
Scott Mcwhirter (Supv Cmte Chair) $0 $0 $0
Scott Obrien (Supv Cmte Member) $0 $0 $0
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990
Filed on Nov. 4, 2014

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$82,351,160
Expenses
$67,849,589
Net Income
$14,501,571
Net Assets
$213,330,533
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $76,596,313
93.0%
Investment Income $3,743,085
4.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $1,515,474
1.8%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $496,288
0.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $3,971,510
5.9%
Professional Fundraising Fees $0
Other Salaries and Wages $16,687,595
24.6%
Assets/Debt
Total Assets $1,725,684,280
Total Liabilities $1,512,353,747
Net Assets $213,330,533

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$74,302,687
Expenses
$66,368,591
Net Income
$7,934,096
Net Assets
$198,649,478
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $65,985,342
88.8%
Investment Income $6,154,380
8.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $1,910,169
2.6%
Net Fundraising $0
Sales of Assets $12,192
0.0%
Net Inventory Sales $0
Other Revenue $240,604
0.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $3,292,158
5.0%
Professional Fundraising Fees $0
Other Salaries and Wages $15,259,709
23.0%
Assets/Debt
Total Assets $1,516,222,986
Total Liabilities $1,317,573,508
Net Assets $198,649,478

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

API

The data powering this website is available programmatically, via an API. Read the API documentation »

Byline

By Andrea Suozzo, Alec Glassford and Ash Ngu, ProPublica, and Brandon Roberts, Special to ProPublica.
Design by Jeff Frankl. Additional development by Ken Schwencke, Mike Tigas, and Sisi Wei.

E-file viewer adapted from IRS e-File Viewer by Ben Getson. Code for scraping audit documents adapated from Govwiki.

Updated