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North Island Financial Credit Union

  • San Diego, CA
  • EIN: 95-1687284

Organization summary

Organization summary might be incomplete or out of date

This organization is not listed in the IRS's most recent list of tax exempt organizations, but we have data associated with this Employer Identification Number.

Details

According to its Dec. 2016 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
$57.7M (2016)

Expenses
$48.4M (2016)

Total Assets
$1.26B (2016)

Total Liabilities
$1.12B (2016)

Source: Form 990 tax filings from 2011 to 2016

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.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$57,702,150
Expenses
$48,355,504
Net Income
$9,346,646
Net Assets
$140,514,160
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $53,528,007
92.8%
Investment Income $4,026,064
7.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $132,113
0.2%
Net Fundraising $0
Sales of Assets $15,966
0.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $2,943,431
6.1%
Professional Fundraising Fees $0
Other Salaries and Wages $16,868,692
34.9%
Assets/Debt
Total Assets $1,258,849,048
Total Liabilities $1,118,334,888
Net Assets $140,514,160
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Stephen O'connell (President/Ceo) $614,880 $0 $25,357
Robert O'grady (Svp/Coo) $353,316 $0 $12,459
Hudson Lee (Svp/Cfo) $332,191 $0 $27,237
Dennis Carl Federici (Vp Investment & Insurance) $294,902 $0 $20,707
Kevin Carlson (Svp/Cao (Former)) $261,993 $0 $12,070
Miguel Kassem (Vp Mortgage Loan Officer) $261,119 $0 $10,634
Diane Madison Jammal (Svp/Cio) $253,354 $0 $19,789
Gregory Bond (Registered Representative) $211,127 $0 $15,960
Jill Faucher (Vp Marketing) $186,250 $0 $22,190
Nando Bragger (Vp Mortgage Loan Officer) $173,433 $0 $8,942
Bill Kaley (Board Member) $866 $0 $0
Gene Pellerin (Chairperson) $0 $0 $0
Kit Gardner (Vice Chairperson) $0 $0 $0
Jeff Stone (Financial Officer) $0 $0 $0
Rebecca Collier (Secretary) $0 $0 $0
Bob Plunkett (Board Member) $0 $0 $0
Todd Bulich (Board Member) $0 $0 $0
Emmanuel Olaes (Trustee Chair) $0 $0 $0
Roger Mctighe (Trustee Secretary) $0 $0 $0
Scott Herman (Trustee) $0 $0 $0
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Document Links

990
Filed on Nov. 20, 2017

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

View Filing
PDF XML

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$53,191,409
Expenses
$42,537,683
Net Income
$10,653,726
Net Assets
$132,414,625
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $49,226,456
92.5%
Investment Income $3,071,629
5.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $300,189
0.6%
Net Fundraising $0
Sales of Assets -$865
Net Inventory Sales $0
Other Revenue $594,000
1.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $2,957,779
7.0%
Professional Fundraising Fees $0
Other Salaries and Wages $16,652,443
39.1%
Assets/Debt
Total Assets $1,182,283,996
Total Liabilities $1,049,869,371
Net Assets $132,414,625
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Stephen O'connell (President/Ceo) $660,215 $0 $25,442
Robert O'grady (Svp/Coo) $347,810 $0 $12,471
Hudson Lee (Svp/Cfo) $313,163 $0 $27,172
Miguel Kassem (Vp Mortgage Loan Officer) $261,492 $0 $10,936
Kevin Carlson (Svp/Cao) $254,313 $0 $13,842
Lisa Paul Hill (Svp Lending (Former)) $249,573 $0 $15,023
Diane Madison Jammal (Svp/Cio) $244,869 $0 $18,470
Leland Littleton Jr (Registered Representative) $243,047 $0 $3,844
Dennis Carl Federici (Vp Investment & Insurance) $210,674 $0 $20,499
Lisa Kirsch Lorenc (Vp Mortgage Loan Officer) $172,623 $0 $13,934
Gene Pellerin (Chairperson) $0 $0 $0
Kit Gardner (Vice Chairperson) $0 $0 $0
Jeff Stone (Financial Officer) $0 $0 $0
Rebecca Collier (Secretary) $0 $0 $0
Bob Plunkett (Board Member) $0 $0 $0
Todd Bulich (Board Member) $0 $0 $0
Bill Kaley (Board Member) $0 $0 $0
Emmanuel Olaes (Trustee Chair) $0 $0 $0
Roger Mctighe (Trustee Secretary) $0 $0 $0
Scott Herman (Trustee) $0 $0 $0
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Document Links

990
Filed on Aug. 5, 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
$57,115,555
Expenses
$39,295,653
Net Income
$17,819,902
Net Assets
$122,479,760
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $46,915,256
82.1%
Investment Income $3,137,560
5.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $217,787
0.4%
Net Fundraising $0
Sales of Assets -$16,043
Net Inventory Sales $0
Other Revenue $6,860,995
12.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $2,695,994
6.9%
Professional Fundraising Fees $0
Other Salaries and Wages $15,892,339
40.4%
Assets/Debt
Total Assets $1,143,959,862
Total Liabilities $1,021,480,102
Net Assets $122,479,760
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Stephen O'connell (President/Ceo) $581,046 $0 $21,024
Robert O'grady (Svp/Coo) $306,627 $0 $10,328
Dennis Carl Federici (Vp/Investment & Insurance) $254,416 $0 $17,873
Hudson Lee (Svp/Cfo) $249,848 $0 $21,269
Leland Littleton Jr (Financial Advisor) $238,082 $0 $2,647
Kevin Carlson (Svp/Cao) $235,326 $0 $8,086
Diane Madison Jammal (Svp/Cio) $205,898 $0 $15,307
Gregory Bond (Financial Advisor) $177,711 $0 $14,244
Curt Yasuhara (Vp/Financial Analysis & Bus Intel) $160,082 $0 $22,232
Tracie Markson Krosky (Financial Advisor) $156,914 $0 $12,369
Jeffrey Stone (Svp/Cco (Former)) $127,531 $0 $2,822
Kit Gardner (Vice Chairperson) $937 $0 $0
Todd Bulich (Board Member) $819 $0 $0
Gene Pellerin (Secretary) $757 $0 $0
Rebecca Collier (Chairperson) $0 $0 $0
Bob Plunkett (Financial Officer) $0 $0 $0
Bill Kaley (Board Member) $0 $0 $0
Roger Mctighe (Secretary Trustee) $0 $0 $0
Emmanuel Olaes (Trustee) $0 $0 $0
Scott Herman (Trustee) $0 $0 $0
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Document Links

990
Filed on Aug. 12, 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
$49,891,933
Expenses
$37,666,031
Net Income
$12,225,902
Net Assets
$103,142,663
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $44,945,374
90.1%
Investment Income $3,154,026
6.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $381,577
0.8%
Net Fundraising $0
Sales of Assets $830,030
1.7%
Net Inventory Sales $0
Other Revenue $580,926
1.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $2,531,029
6.7%
Professional Fundraising Fees $0
Other Salaries and Wages $14,503,162
38.5%
Assets/Debt
Total Assets $1,100,567,500
Total Liabilities $997,424,837
Net Assets $103,142,663
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Stephen O'connell (President/Ceo) $448,779 $0 $19,898
Miguel Kassem (Vp/Mortgage Loan Officer) $259,607 $0 $8,486
Dennis Carl Federici (Vp/Investment & Insurance) $256,047 $0 $17,021
Robert O'grady (Svp/Coo) $231,394 $0 $7,950
Jerry Hicks (Svp/Cfo Controller (Former)) $217,007 $0 $5,424
Jeffrey Stone (Evp/Cco) $211,841 $0 $10,423
Leland Littleton Jr (Financial Advisor) $204,416 $0 $2,655
Tracie Markson Krosky (Financial Advisor) $191,538 $0 $12,326
Kevin Carlson (Svp/Cao) $176,671 $0 $7,508
Gregory Bond (Financial Advisor) $140,579 $0 $14,252
Diane Madison Jammal (Svp Chief Information Officer) $112,353 $0 $2,436
Hudson Lee (Svp/Cfo) $80,797 $0 $2,399
Rebecca Collier (Chairperson) $0 $0 $0
Bob Plunkett (Vice Chairperson) $0 $0 $0
Lori Magaro (Secretary) $0 $0 $0
Kit Gardner (Financial Officer) $0 $0 $0
Luis Majano (Assistant Financial Officer) $0 $0 $0
Todd Bulich (Board Member) $0 $0 $0
Al George (Board Member) $0 $0 $0
Jack Lewis (Board Member) $0 $0 $0
Joe Denigro (Trustee) $0 $0 $0
Emmanuel Olaes (Trustee) $0 $0 $0
Gene Pellerin (Trustee) $0 $0 $0
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Document Links

990
Filed on Nov. 13, 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
$47,487,030
Expenses
$32,830,369
Net Income
$14,656,661
Net Assets
$1,076,442,160
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $47,245,719
99.5%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $241,311
0.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,255,570
3.8%
Professional Fundraising Fees $0
Other Salaries and Wages $13,842,802
42.2%
Assets/Debt
Total Assets $1,090,068,754
Total Liabilities $13,626,594
Net Assets $1,076,442,160

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
$53,337,078
Expenses
$35,533,461
Net Income
$17,803,617
Net Assets
$1,040,249,458
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $53,087,455
99.5%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $249,623
0.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,701,714
4.8%
Professional Fundraising Fees $0
Other Salaries and Wages $13,095,604
36.9%
Assets/Debt
Total Assets $1,057,437,924
Total Liabilities $17,188,466
Net Assets $1,040,249,458

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

Fiscal Year Ending Dec.
2007

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-EZ

Short form 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 »

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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.

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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.

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