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Cabrillo Credit Union

Organization summary

Type of Nonprofit

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

Category: Public, Society Benefit — Multipurpose and Other / Credit Unions (NTEE)

Donations to this organization are not tax deductible.

Details

According to its Dec. 2022 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
$17.3M (2022)

Expenses
$14.9M (2022)

Total Assets
$405M (2022)

Total Liabilities
$383M (2022)

Years with missing data
Source: Form 990 tax filings from 2011 to 2022

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.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$17,265,058
Expenses
$14,914,266
Net Income
$2,350,792
Net Assets
$22,351,777
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $10,410,665
60.3%
Investment Income $2,180,509
12.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $4,673,884
27.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $980,697
6.6%
Professional Fundraising Fees $0
Other Salaries and Wages $4,991,258
33.5%
Assets/Debt
Total Assets $404,914,151
Total Liabilities $382,562,374
Net Assets $22,351,777
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Kevin Posey (Pres & Ceo) $304,139 $0 $0
Frankie P Duenas (Cto) $249,337 $0 $0
Gregory Brown (Clo Lending) $217,379 $0 $0
John Stevenson (Cfo) $209,842 $0 $0
Randi Larsson (Chair) $0 $0 $0
Richard Amezcua (Vice Chair) $0 $0 $0
G Frank Miranda (Secretary) $0 $0 $0
Kristopher Whitworth (Treasurer) $0 $0 $0
Manuel Bayon (Director) $0 $0 $0
Dave C Rodriguez (Director) $0 $0 $0
Marcella Serrano Gomez (Director) $0 $0 $0
Michael Baranic (Sup Committe) $0 $0 $0
Joel Lara (Sup Committe) $0 $0 $0
Tina Paisley (Sup Committe) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$15,486,506
Expenses
$13,925,693
Net Income
$1,560,813
Net Assets
$31,859,967
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $9,826,266
63.5%
Investment Income $1,158,421
7.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $4,501,819
29.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,167,988
8.4%
Professional Fundraising Fees $0
Other Salaries and Wages $5,032,454
36.1%
Assets/Debt
Total Assets $423,725,270
Total Liabilities $391,865,303
Net Assets $31,859,967
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Peter Sainato (Coo & Ceo De) $292,546 $0 $0
Frankie P Duenas (Cto) $224,092 $0 $0
Jonathan Zide (Cmo Departin) $163,476 $0 $0
John Stevenson (Cfo) $152,623 $0 $0
Gregory Brown (Clo Lending) $125,768 $0 $0
Kevin Posey (Pres & Ceo) $105,845 $0 $0
Lisa Rosen Zaccaro (Svp Hr Depar) $103,638 $0 $0
Richard Amezcua (Chair) $0 $0 $0
Randi Larsson (Vice Chair) $0 $0 $0
G Frank Miranda (Secretary) $0 $0 $0
Kristopher Whitworth (Treasurer) $0 $0 $0
Manuel Bayon (Director) $0 $0 $0
Dave C Rodriguez (Director) $0 $0 $0
Marcella Serrano Gomez (Director) $0 $0 $0
Michael Baranic (Sup Committe) $0 $0 $0
Joel Lara (Sup Committe) $0 $0 $0
Tina Paisley (Sup Committe) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$16,274,606
Expenses
$16,709,190
Net Income
-$434,584
Net Assets
$31,905,307
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $10,683,089
65.6%
Investment Income $1,444,193
8.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $4,147,324
25.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,584,897
9.5%
Professional Fundraising Fees $0
Other Salaries and Wages $4,881,671
29.2%
Assets/Debt
Total Assets $416,519,546
Total Liabilities $384,614,239
Net Assets $31,905,307
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Michael Deshazo (Pres & Ceo D) $315,379 $0 $0
Frankie P Duenas (Cto) $260,721 $0 $0
Peter Sainato (Coo & Ceo De) $237,567 $0 $0
Jonathan Zide (Cmo) $217,895 $0 $0
Robert Nolan (Cfo Departin) $213,473 $0 $0
Daniel Kitchen (Clo Departin) $196,001 $0 $0
Lisa Rosen Zaccaro (Svp Hr Depar) $143,861 $0 $0
Kevin Posey (Pres & Ceo) $0 $0 $0
John Stevenson (Cfo) $0 $0 $0
Richard Amezcua (Chairman) $0 $0 $0
Michael Baranic (Sup Committe) $0 $0 $0
Manuel Bayon (Director) $0 $0 $0
Joel Lara (Sup Committe) $0 $0 $0
G Frank Miranda (Secretary) $0 $0 $0
Dave C Rodriguez (Vice Chairma) $0 $0 $0
Marcella Serrano Gomez (Director) $0 $0 $0
Kristopher Whitworth (Treasurer) $0 $0 $0
Randi Larsson (Director) $0 $0 $0
Tina Paisley (Sup Committe) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$17,859,291
Expenses
$15,992,473
Net Income
$1,866,818
Net Assets
$32,183,894
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $10,086,105
56.5%
Investment Income $2,779,050
15.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $4,994,136
28.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,183,172
7.4%
Professional Fundraising Fees $0
Other Salaries and Wages $4,654,230
29.1%
Assets/Debt
Total Assets $333,188,868
Total Liabilities $301,004,974
Net Assets $32,183,894
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Frankie P Duenas (Cto) $222,268 $0 $0
Jonathan Zide (Cmo) $184,814 $0 $0
Anne Mcclure (Ceo) $174,043 $0 $0
Daniel Kitchen (Clo) $168,617 $0 $0
Michael Deshazo (President &) $147,469 $0 $0
Matthew Ficco (Cfo) $142,861 $0 $0
Peter Sainato (Coo) $102,104 $0 $0
Robert Nolan (Cfo) $40,996 $0 $0
Richard Amezcua (Chairman) $0 $0 $0
Michael Baranic (Sup Committe) $0 $0 $0
Manuel Bayon (Director) $0 $0 $0
Paul Hamilton (Director) $0 $0 $0
Joel Lara (Sup Committe) $0 $0 $0
G Frank Miranda (Secretary) $0 $0 $0
Armand Olvera (Director) $0 $0 $0
Dave C Rodriguez (Vice Chairma) $0 $0 $0
Marcella Serrano Gomez (Sup Committe) $0 $0 $0
Kristopher Whitworth (Treasurer) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$14,755,835
Expenses
$12,431,883
Net Income
$2,323,952
Net Assets
$30,317,076
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $8,091,026
54.8%
Investment Income $1,900,005
12.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $4,764,804
32.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,051,660
8.5%
Professional Fundraising Fees $0
Other Salaries and Wages $3,809,142
30.6%
Assets/Debt
Total Assets $300,409,471
Total Liabilities $270,092,395
Net Assets $30,317,076
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Ldean Odle (Ceo) $310,204 $0 $0
Anne Mcclure (Ceo) $212,250 $0 $0
Frankie P Duenas (Cto) $172,359 $0 $0
Jonathan Zide (Coo) $136,570 $0 $0
Matthew Ficco (Cfo) $134,093 $0 $0
Daniel Kitchen (Clo) $86,184 $0 $0
Bruce May (Chairman) $0 $0 $0
Paul Hamilton (Vice Chairma) $0 $0 $0
Donald Shanahan (Secretary) $0 $0 $0
Dave Rodriguez (Treasurer) $0 $0 $0
Kristen Whitworth (Director) $0 $0 $0
Armand Olvera (Director) $0 $0 $0
Frank Miranda (Director) $0 $0 $0
Richard Amezcua (Sc Chairman) $0 $0 $0
Sharon Rudnick (Sc Director) $0 $0 $0
Robert Nolan (Cfo) $0 $0 $0
Michael Deshazo (Ceo) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$12,941,777
Expenses
$11,895,451
Net Income
$1,046,326
Net Assets
$27,993,124
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,181,633
55.5%
Investment Income $1,494,451
11.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $4,265,693
33.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $808,717
6.8%
Professional Fundraising Fees $0
Other Salaries and Wages $4,930,892
41.5%
Assets/Debt
Total Assets $275,446,717
Total Liabilities $247,453,593
Net Assets $27,993,124
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
L Dean Odle (Ceo) $232,279 $0 $0
Margaret Morales (Coo) $196,245 $0 $0
Anne Mc Clure (Sr. Vp Hr) $194,123 $0 $0
Frankie Duenas (Cto) $186,070 $0 $0
Robin Lentz (Ceo) $175,228 $0 $0
Michael De Shazo (Coa) $151,910 $0 $0
Julie Glance (Cfo) $136,347 $0 $0
Dave C Rodriguez (Treasurer) $0 $0 $0
Bruce May (Chairman) $0 $0 $0
Paul Hamilton (Vice Chairman) $0 $0 $0
Kristopher Whitworth (Director) $0 $0 $0
Donald Shanahan (Secretary) $0 $0 $0
Armand Olvera (Director) $0 $0 $0
Richard Amezcua (Sc Chairperson) $0 $0 $0
G Frank Miranda (Director) $0 $0 $0
Dave Wallace (Sc Member) $0 $0 $0
Sharon Rudnick (Sc Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$11,597,942
Expenses
$9,415,196
Net Income
$2,182,746
Net Assets
$23,639,603
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,790,129
58.5%
Investment Income $591,976
5.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $4,215,837
36.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $892,470
9.5%
Professional Fundraising Fees $0
Other Salaries and Wages $2,465,554
26.2%
Assets/Debt
Total Assets $206,761,140
Total Liabilities $183,121,537
Net Assets $23,639,603
Compensation
Key Employees and Officers Compensation Related Other
Robin Lentz (Ceo) $213,933 $0 $0
Michael Deshazo (Cao) $139,122 $0 $0
Margaret Morales (Cco) $135,127 $0 $0
Joel Hudson (Cfo) $135,127 $0 $0
Anne Mcclure (Sr Vp Human Resources) $134,942 $0 $0
Frankie Duenas (Cit) $134,255 $0 $0
Bruce Schmidt (Dir. Chairperson) $0 $0 $0
Donald Shanahan (Dir. Vice Chair) $0 $0 $0
Kathryn Snyder (Director) $0 $0 $0
Bruce May (Director) $0 $0 $0
Armand Olvera (Director) $0 $0 $0
Paul Hamilton (Director) $0 $0 $0
Randi Larsson (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$11,840,865
Expenses
$8,453,405
Net Income
$3,387,460
Net Assets
$21,456,857
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,129,123
60.2%
Investment Income $553,156
4.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $4,158,586
35.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,961,627
23.2%
Professional Fundraising Fees $0
Other Salaries and Wages $1,469,928
17.4%
Assets/Debt
Total Assets $195,837,100
Total Liabilities $174,380,243
Net Assets $21,456,857

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$11,874,458
Expenses
$9,538,248
Net Income
$2,336,210
Net Assets
$18,069,398
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,701,317
64.9%
Investment Income $610,289
5.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $3,562,852
30.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $634,308
6.7%
Professional Fundraising Fees $0
Other Salaries and Wages $2,554,610
26.8%
Assets/Debt
Total Assets $185,036,599
Total Liabilities $166,967,201
Net Assets $18,069,398

Document Links

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

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

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

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.

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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

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