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E Central Credit Union

  • Pasadena, CA
  • Tax-exempt since June 1961
  • EIN: 95-1442156

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. 2024 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
$10.6M (2024)

Expenses
$8.73M (2024)

Total Assets
$169M (2024)

Total Liabilities
$131M (2024)

Source: Form 990 tax filings from 2011 to 2024

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.
2024

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$10,617,693
Expenses
$8,728,953
Net Income
$1,888,740
Net Assets
$38,403,341
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $8,316,457
78.3%
Investment Income $1,512,203
14.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $789,033
7.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,542,310
17.7%
Professional Fundraising Fees $0
Other Salaries and Wages $1,414,204
16.2%
Assets/Debt
Total Assets $169,203,207
Total Liabilities $130,799,866
Net Assets $38,403,341
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Michael Theodore (President/Ceo) $631,170 $0 $57,162
Loh Jen Sy (Svp/Cco) $194,713 $0 $45,372
Silvio Jorge (Vp/Cfo) $160,332 $0 $37,545
Evan Hitchcock (Vp Ops) $157,935 $0 $39,628
Susan Brown (Exec. Asst.) $136,967 $0 $22,606
Jose Davila (Vp Of It) $136,315 $0 $38,040
Jennifer Gin (Vp Of Cl) $122,478 $0 $35,091
Dennis Magaldi (Secretary/Treasurer) $2,400 $0 $0
Mark Garmus (Board Chairperson) $0 $0 $0
Dominick Edwards (Board Vice Chairperson) $0 $0 $0
Stephen Henson (Director) $0 $0 $0
Glenda Giles Luick (Director) $0 $0 $0
Richard Honore (Director) $0 $0 $0
Trevor Kale (Director) $0 $0 $0
Jon Oliver (Supv Cmte Chair) $0 $0 $0
Corbet Wilcox (Supv Cmte Member) $0 $0 $0
James Greenbaum (Supv Cmte Member) $0 $0 $0
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990
Filed on Nov. 13, 2025

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

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XML

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$11,789,670
Expenses
$8,021,497
Net Income
$3,768,173
Net Assets
$37,629,801
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $8,480,986
71.9%
Investment Income $1,285,658
10.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,023,026
17.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,309,899
16.3%
Professional Fundraising Fees $0
Other Salaries and Wages $1,622,106
20.2%
Assets/Debt
Total Assets $172,452,151
Total Liabilities $134,822,350
Net Assets $37,629,801
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Michael Theodore (President/Ceo) $454,052 $0 $48,489
Loh Jen Sy (Svp/Cco) $177,546 $0 $41,026
Silvio Jorge (Vp/Cfo) $149,993 $0 $32,620
Susan Brown (Exec. Asst.) $142,521 $0 $30,957
Evan Hitchcock (Vp Ops) $139,374 $0 $31,742
Jose Davila (Vp Of It) $124,106 $0 $34,973
Jennifer Gin (Vp Of Cl) $119,907 $0 $30,765
Dennis Magaldi (Secretary/Treasurer) $2,400 $0 $0
Mark Garmus (Board Chairperson) $0 $0 $0
Dominick Edwards (Board Vice Chairperson) $0 $0 $0
Stephen Henson (Director) $0 $0 $0
Glenda Giles Luick (Director) $0 $0 $0
Richard Honore (Director) $0 $0 $0
Trevor Kale (Director) $0 $0 $0
Jon Oliver (Supv Cmte Chair) $0 $0 $0
Corbet Wilcox (Supv Cmte Member) $0 $0 $0
James Greenbaum (Supv Cmte 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
$8,949,930
Expenses
$7,392,790
Net Income
$1,557,140
Net Assets
$33,861,630
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,372,629
82.4%
Investment Income $898,807
10.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $678,494
7.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,108,281
15.0%
Professional Fundraising Fees $0
Other Salaries and Wages $1,442,141
19.5%
Assets/Debt
Total Assets $182,628,434
Total Liabilities $148,766,804
Net Assets $33,861,630
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Michael Theodore (President/Ceo) $295,618 $0 $48,643
Loh Jen Sy (Svp/Cco) $169,434 $0 $40,350
Susan Brown (Exec. Asst.) $149,592 $0 $29,677
Jose Davila (Vp Of It) $129,330 $0 $33,708
Silvio Jorge (Vp/Cfo) $128,527 $0 $28,859
Evan Hitchcock (Vp Ops) $125,040 $0 $31,673
Jennifer Gin (Senior Clo) $108,340 $0 $29,434
Dennis Magaldi (Secretary/Treasurer) $2,400 $0 $0
Mark Garmus (Board Chairperson) $0 $0 $0
Dominick Edwards (Board Vice Chairperson) $0 $0 $0
Stephen Henson (Director) $0 $0 $0
Glenda Giles Luick (Director) $0 $0 $0
Richard Honore (Director) $0 $0 $0
Kenneth Kasamatsu (Director) $0 $0 $0
Trevor Kale (Director) $0 $0 $0
Jon Oliver (Supv Cmte Chair) $0 $0 $0
Corbet Wilcox (Supv Cmte Member) $0 $0 $0
James Greenbaum (Supv Cmte Member) $0 $0 $0
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990
Filed on Nov. 3, 2023

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

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Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$8,617,902
Expenses
$7,961,420
Net Income
$656,482
Net Assets
$32,304,487
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,853,549
91.1%
Investment Income $120,281
1.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $644,072
7.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,140,982
14.3%
Professional Fundraising Fees $0
Other Salaries and Wages $1,626,070
20.4%
Assets/Debt
Total Assets $193,980,763
Total Liabilities $161,676,276
Net Assets $32,304,487
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Michael Theodore (President/Ceo) $347,867 $0 $43,647
Loh Jen Sy (Svp/Cco) $159,850 $0 $28,685
Daniel Lentini (Vp Of It) $121,665 $0 $23,397
Susan Brown (Exec. Assistant To The Ceo) $119,430 $0 $25,236
Silvio Jorge (Vp/Cfo) $117,312 $0 $23,979
Evan Hitchcock (Vp Ops) $111,735 $0 $27,631
Jennifer Gin (Sr. Commercial Loan Office) $100,190 $0 $29,279
John Drake Former (Vp/Cfo) $60,533 $0 $8,187
Dennis Magaldi (Secretary/Treasurer) $2,400 $0 $0
Mark Garmus (Board Chairperson) $0 $0 $0
Dominick Edwards (Vice Chairman) $0 $0 $0
Stephen Henson (Director) $0 $0 $0
Glenda Giles Luick (Director) $0 $0 $0
Richard Honore (Director) $0 $0 $0
Kenneth Kasamatsu (Director) $0 $0 $0
Jon Oliver (Supv Cmte Chair) $0 $0 $0
Corbet Wilcox (Supv Cmte Member) $0 $0 $0
James Greenbaum (Supv Cmte Member) $0 $0 $0
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990
Filed on Nov. 7, 2022

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

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Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$8,455,835
Expenses
$8,497,041
Net Income
-$41,206
Net Assets
$31,648,005
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,542,290
89.2%
Investment Income $288,151
3.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $625,394
7.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,132,543
13.3%
Professional Fundraising Fees $0
Other Salaries and Wages $1,830,792
21.5%
Assets/Debt
Total Assets $187,605,631
Total Liabilities $155,957,626
Net Assets $31,648,005
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Michael Theodore (President/Ceo) $257,408 $0 $40,614
Loh Jen Sy (Svp/Cco) $161,754 $0 $27,345
John Drake (Vp/Cfo) $127,428 $0 $32,907
Susan Brown (Exec. Assistant To The Ceo) $123,483 $0 $25,590
Daniel Lentini (Vp Of It) $120,403 $0 $23,397
Felices Betina Marcelo (Vp Consumer Lend'g) $119,377 $0 $18,658
Evan Hitchcock (Vp Operations) $114,619 $0 $28,741
Jennifer Gin (Sr. Commercial Loan Officer) $105,671 $0 $23,599
Dennis Magaldi (Secretary/Treasurer) $2,400 $0 $0
Mark Garmus (Chairman) $0 $0 $0
Dominick Edwards (Vice Chairman) $0 $0 $0
Stephen Henson (Director) $0 $0 $0
Glenda Giles Luick (Director) $0 $0 $0
Richard Honore (Director) $0 $0 $0
Kenneth Kasamatsu (Director) $0 $0 $0
Jon Oliver (Supv Cmte Chair) $0 $0 $0
Corbet Wilcox (Supv Cmte Member) $0 $0 $0
James Greenbaum (Supv Cmte Member) $0 $0 $0
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990
Filed on Nov. 12, 2021

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

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Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$9,443,419
Expenses
$8,413,414
Net Income
$1,030,005
Net Assets
$31,689,211
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,998,859
84.7%
Investment Income $859,661
9.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $584,899
6.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,023,052
12.2%
Professional Fundraising Fees $0
Other Salaries and Wages $1,994,046
23.7%
Assets/Debt
Total Assets $168,256,764
Total Liabilities $136,567,553
Net Assets $31,689,211
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Michael Theodore (President/Ceo) $285,152 $0 $41,536
Loh Jen Sy (Chief Credit Officer) $156,060 $0 $26,317
John Drake (Vp/Cfo) $124,272 $0 $0
Daniel Lentini (Vp Information Technology) $121,653 $0 $0
Evan Hitchcock (Vp Operations) $117,866 $0 $0
Felices Betina Lopez Marcelo (Vp Consumer Lending) $113,617 $0 $0
Susan Brown (Exec. Assistant To Ceo) $102,032 $0 $0
Dennis Magaldi (Secretary/Treasurer) $2,400 $0 $0
Mark Garmus (Chairman) $0 $0 $0
Dominick Edwards (Vice Chairman) $0 $0 $0
Stephen Henson (Director) $0 $0 $0
Glenda Giles Luick (Director) $0 $0 $0
Richard Honore (Director) $0 $0 $0
John Drew (Director) $0 $0 $0
Jon Oliver (Supv Cmte Chair) $0 $0 $0
Corbet Wilcox (Supv Cmte Member) $0 $0 $0
James Greenbaum (Supv Cmte Member) $0 $0 $0
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990
Filed on Nov. 6, 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
$8,821,797
Expenses
$8,042,041
Net Income
$779,756
Net Assets
$30,659,206
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,395,984
83.8%
Investment Income $853,867
9.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $571,946
6.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $980,638
12.2%
Professional Fundraising Fees $0
Other Salaries and Wages $2,029,033
25.2%
Assets/Debt
Total Assets $159,811,423
Total Liabilities $129,152,217
Net Assets $30,659,206
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Michael Theodore (President/Ceo) $314,225 $0 $41,585
Loh Jen Sy (Svp Lending) $148,301 $0 $25,316
Daniel Lentini (Vp Of It) $117,404 $0 $13,065
Evan Hitchcock (Vp Ops) $114,124 $0 $36,982
Felices Betina Lopez Marcelo (Vp Cons. Lendin) $109,472 $0 $17,760
Richard Wise (Cfo) $96,250 $0 $14,887
John Drake (Vp/Cfo) $78,462 $0 $5,852
Dennis Magaldi (Secretary/Treasurer) $2,400 $0 $0
Mark Garmus (Chairman) $0 $0 $0
Dominick Edwards (Vice Chairman) $0 $0 $0
Stephen Henson (Director) $0 $0 $0
Glenda Giles Luick (Director) $0 $0 $0
Richard Honore (Director) $0 $0 $0
John Drew (Director) $0 $0 $0
Jon Oliver (Supv Cmte Chair) $0 $0 $0
Corbet Wilcox (Supv Cmte Member) $0 $0 $0
James Greenbaum (Supv Cmte 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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Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$8,612,779
Expenses
$7,463,811
Net Income
$1,148,968
Net Assets
$29,879,494
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,985,586
81.1%
Investment Income $0
Bond Proceeds $744,347
8.6%
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $882,846
10.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $662,069
8.9%
Professional Fundraising Fees $0
Other Salaries and Wages $2,185,758
29.3%
Assets/Debt
Total Assets $157,947,609
Total Liabilities $128,068,115
Net Assets $29,879,494
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Michael Theodore (President/Ceo) $304,461 $0 $45,931
Loh Jen Sy (Svp Lending) $124,245 $0 $23,261
Richard Wise (Cfo) $122,769 $0 $41,144
Evan Hitchcock (Vp Ops) $108,194 $0 $32,072
Dennis Magaldi (Secretary/Treasurer) $2,400 $0 $0
Mark Garmus (Chairman) $0 $0 $0
Dominick Edwards (Vice Chairman) $0 $0 $0
Stephen Henson (Director) $0 $0 $0
Glenda Giles Luick (Director) $0 $0 $0
Richard Honore (Director) $0 $0 $0
John Drew (Director) $0 $0 $0
Jon Oliver (Supv Cmte Chair) $0 $0 $0
Corbet Wilcox (Supv Cmte Member) $0 $0 $0
James Greenbaum (Supv Cmte Member) $0 $0 $0
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990
Filed on Oct. 29, 2018

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

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XML

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$8,114,893
Expenses
$7,257,389
Net Income
$857,504
Net Assets
$28,730,425
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,551,276
80.7%
Investment Income $670,811
8.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $36,412
0.4%
Net Inventory Sales $0
Other Revenue $856,394
10.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $647,082
8.9%
Professional Fundraising Fees $0
Other Salaries and Wages $1,998,937
27.5%
Assets/Debt
Total Assets $159,007,596
Total Liabilities $130,277,171
Net Assets $28,730,425
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Michael Theodore (President/Ceo) $300,220 $0 $43,144
Richard Wise (Cfo) $122,092 $0 $35,136
Loh Jen Sy (Svp Lending) $120,002 $0 $21,551
Evan Hitchcock (Vp Ops) $102,568 $0 $24,572
Dennis Magaldi (Secretary/Treasurer) $1,200 $0 $0
James Cafferty (Director Emeritus) $1,000 $0 $0
Mark Garmus (Chairman) $0 $0 $0
Dominick Edwards (Vice Chairman) $0 $0 $0
Stephen Henson (Director) $0 $0 $0
Glenda Giles Luick (Director) $0 $0 $0
Richard Honore (Director) $0 $0 $0
John Drew (Director) $0 $0 $0
Jon Oliver (Supv Cmte Chair) $0 $0 $0
Corbet Wilcox (Supv Cmte Member) $0 $0 $0
James Greenbaum (Supv Cmte Member) $0 $0 $0
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990
Filed on Nov. 14, 2017

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

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Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$8,163,647
Expenses
$7,004,506
Net Income
$1,159,141
Net Assets
$27,873,016
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,939,083
85.0%
Investment Income $749,776
9.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $474,788
5.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $722,694
10.3%
Professional Fundraising Fees $0
Other Salaries and Wages $1,750,736
25.0%
Assets/Debt
Total Assets $158,147,603
Total Liabilities $130,274,587
Net Assets $27,873,016
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Michael Theodore (President/Ceo) $275,331 $0 $46,376
Richard Wise (Cfo) $120,363 $0 $30,774
Loh Jen Sy (Svp Lending) $115,438 $0 $9,239
Evan Hitchcock (Vp Ops) $104,786 $0 $28,260
Douglas Stubendordt (It Manager) $104,376 $0 $19,259
James Cafferty (Secretary/Treasurer) $2,400 $0 $0
Mark Garmus (Chairman) $0 $0 $0
Dominick Edwards (Vice Chairman) $0 $0 $0
Stephen Henson (Director) $0 $0 $0
Glenda Giles Luick (Director) $0 $0 $0
Richard Honore (Director) $0 $0 $0
John Drew (Director) $0 $0 $0
Jon Oliver (Supv Cmte Chair) $0 $0 $0
Corbet Wilcox (Supv Cmte Member) $0 $0 $0
James Greenbaum (Supv Cmte Member) $0 $0 $0
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990
Filed on Nov. 8, 2016

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

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Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$9,197,430
Expenses
$7,026,197
Net Income
$2,171,233
Net Assets
$26,714,788
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,272,608
79.1%
Investment Income $762,019
8.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $1,162,803
12.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $538,677
7.7%
Professional Fundraising Fees $0
Other Salaries and Wages $2,125,930
30.3%
Assets/Debt
Total Assets $158,838,313
Total Liabilities $132,123,525
Net Assets $26,714,788
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Michael Theodore (President/Ceo) $310,770 $0 $42,474
Richard Wise (Cfo) $120,978 $0 $28,941
Susan Brown (Executive Assistant) $104,529 $0 $18,697
James Cafferty (Secretary/Treasurer) $2,400 $0 $0
Mark Garmus (Chairman) $0 $0 $0
Dominick Edwards (Vice Chairman) $0 $0 $0
John Drew (Director) $0 $0 $0
Stephen Henson (Director) $0 $0 $0
Glenda Giles Luick (Director) $0 $0 $0
Richard Honore (Director) $0 $0 $0
Jon Oliver (Supv Cmte Chair) $0 $0 $0
William Stewart (Supv Cmte Member) $0 $0 $0
Corbet Wilcox (Supv Cmte Member) $0 $0 $0
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990
Filed on Nov. 5, 2015

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

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Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$10,491,663
Expenses
$6,609,717
Net Income
$3,881,946
Net Assets
$24,533,252
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,150,588
68.2%
Investment Income $761,454
7.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$2,883
Net Inventory Sales $0
Other Revenue $2,582,504
24.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $580,145
8.8%
Professional Fundraising Fees $0
Other Salaries and Wages $1,938,125
29.3%
Assets/Debt
Total Assets $161,211,305
Total Liabilities $136,678,053
Net Assets $24,533,252
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Michael Theodore (President/Ceo) $249,920 $0 $41,045
Richard Wise (Cfo) $116,854 $0 $30,173
Brock Kasnick (Vp Lending) $107,358 $0 $28,680
Felices Betina Marcelo (Mortgage Specialist) $103,613 $0 $17,163
James Cafferty (Secretary/Treasurer) $2,400 $0 $0
Mark Garmus (Chairman) $0 $0 $0
Dominick Edwards (Vice Chairman) $0 $0 $0
Stephen Henson (Director) $0 $0 $0
Glenda Giles Luick (Director) $0 $0 $0
Richard Honore (Director) $0 $0 $0
John Drew (Director) $0 $0 $0
Jon Oliver (Supv Cmte Chair) $0 $0 $0
Corbet Wilcox (Supv Cmte Member) $0 $0 $0
William Stewart (Supv Cmte Member) $0 $0 $0
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990
Filed on Nov. 14, 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
$9,282,966
Expenses
$6,679,125
Net Income
$2,603,841
Net Assets
$20,666,252
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,486,378
80.6%
Investment Income $1,040,086
11.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $1,100
0.0%
Net Inventory Sales $0
Other Revenue $755,402
8.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $380,165
5.7%
Professional Fundraising Fees $0
Other Salaries and Wages $1,924,963
28.8%
Assets/Debt
Total Assets $162,577,282
Total Liabilities $141,911,030
Net Assets $20,666,252

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
$9,413,809
Expenses
$7,311,685
Net Income
$2,102,124
Net Assets
$18,063,568
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,372,892
78.3%
Investment Income $1,289,250
13.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $13,532
0.1%
Net Inventory Sales $0
Other Revenue $738,135
7.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $376,257
5.1%
Professional Fundraising Fees $0
Other Salaries and Wages $1,760,255
24.1%
Assets/Debt
Total Assets $166,690,132
Total Liabilities $148,626,564
Net Assets $18,063,568

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

What Is 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 »

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About Nonprofit Explorer

Nonprofit Explorer

Browse millions of annual returns filed by tax-exempt organizations with ProPublica’s Nonprofit Explorer. See details like executive compensation, revenue, expenses and more. Search for an organization or a person, or search the full text of filings.

By Andrea Suozzo, Alec Glassford, Ash Ngu and Brandon Roberts.

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