2025-10-31T14:38:47-07:00 2024-12-31 RICHARDS & ASSOCIATES 21520 YORBA LINDA BLVD G-516 YORBA LINDA CA 92887 990 2024-01-01 956064840 El Monte Community Credit Union ELMO 6264440501 11718 Ramona Blvd El Monte CA 91732 Sandra Rosas President/CEO 2025-10-31 true true Richards Associates CPAs P01070543 7142876713 2024 2025-03-06 01:10:19Z Sandra Rosas 11718 Ramona Blvd El Monte CA 91732 1656495 false X http://www.emcecu.org X 1956 CA El Monte Community Credit Union is a non-profit financial cooperative that provides services for their members including savings and loans. The mission of the Credit Union is to charge the least in their loans and pay the most for deposits to its members. 7 7 8 10 0 0 737551 953575 260830 277795 372270 425125 1370651 1656495 0 44503 129008 448219 492731 0 0 720944 772625 1213666 1394364 156985 262131 30762021 32567671 27961292 29504811 2800729 3062860 El Monte Community Credit Union is a non-profit financial cooperative that provides services for their members including savings and loans. The mission of the Credit Union is to charge the least in their loans and pay the most for deposits to its members. false false Provided deposit and loan accounts to members. Provided low cost source of credit and low cost financial services to our members. Provided source for member savings and checking account needs. false false false false false false false false false true false true false true false false false false false false false false false false false false false false true false false false false false false false false false false false false false false true 393 0 true 8 true false false false false false false false false false false false X 7 7 false false false false true true true true true false true true true true true false true true true true false X Cristina Munoz 6264440501 11718 Ramona Blvd El Monte CA 91732 Sandra Rosas CEO 40.00 0.00 X 146645 0 3896 Rebecca Aguirre Treasurer 0.50 0.00 X 0 0 0 David Paredes Board Member 0.50 0.00 X 0 0 0 Angel R Nunez Board Chair 0.50 0.00 X 0 0 0 Robert Velasquez Board ViceChair 0.50 0.00 X 0 0 0 Carolyn Seitz Board Member 0.50 0.00 X 0 0 0 Michael McClure Board Member 0.50 0.00 X 0 0 0 Eric Sanchez Board Secretary 0.50 0.00 X 0 0 0 Maria C Caballero SC Member 0.50 0.00 X 0 0 0 Sheila S Crippen Thomas SC Chair 0.50 0.00 X 0 0 0 Amparo Becerra SC member 0.50 0.00 X 0 0 0 146645 3896 1 false true false 0 0 Interest on Loans 953575 953575 953575 277795 277795 0 0 0 0 0 0 0 Fee Income 425125 425125 Other Non-Operating Income 425125 1656495 1656495 0 0 0 129008 175470 0 317261 0 0 0 0 0 0 0 0 0 44947 57173 496622 0 0 68020 2269 0 0 0 0 0 0 Loan servicing expense 48379 Miscellaneous Expense 37396 Operating Fees 11714 Regulatory Supervision 6783 -678 1394364 0 0 0 398662 269525 851484 2404830 0 0 0 0 13604272 15935807 0 0 595774 498221 118545 97553 0 0 14609494 12357760 0 1179564 1502196 30762021 32567671 288973 544768 27672319 28960043 27961292 29504811 X 2800729 3062860 2800729 3062860 30762021 32567671 262131 X false true X true false 66000 66000 156871 136672 20199 234310 226634 7676 119386 115927 3459 19207 18988 219 97553 12357760 Other Deposits 4066620 Regular Shares 17214695 Share Drafts 7678728 28960043 false false false Sandra Rosas CEO 141476 5169 3896 150541 Form 990, Part VI, Section A, Line 6 The Credit Union is organized with members, most of whom are employees or former employees of the City of El Monte, businesses (including their employees) belonging to the Chamber of Commerce of El Monte, South El Monte, and Baldwin Park, and their qualifying family members. Form 990, Part VI, Section A, Line 7a The members elect the board of directors. Form 990, Part VI, Section A, Line 7b Certain decisions require membership approval as provided in the corporate bylaws. Form 990, Part VI, Section B, Line 11b THE RETURN PREPARER E-MAILS A DRAFT OF THE FORM 990 TO THE CEO FOR REVIEW.THE AUDITOR AND DESIGNATED INDIVIDUAL(S) REVIEW THE DRAFT AND PRESENT ANYQUESTIONS, COMMENTS, OR CORRECTIONS TO THE RETURN PREPARER. UPON SATISFACTORYCOMPLETION OF THE FORM 990, THE ORGANIZATION'S AUTHORIZED INDIVIDUAL SIGNS THEAPPROPRIATE SIGNATURE FORM(S) TO AUTHORIZE THE ELECTRONIC FILING OF THE RETURN. ACOPY OF THE FORM 990, AS FILED, IS PROVIDED BY THE RETURN PREPARER TO THEORGANIZATION'S CEO OR OTHER DESIGNATED INDIVIDUAL(S). Form 990, Part VI, Section B, Line 15a Yes, reviewed peer data and reviewed work performance is used to determine compensation. Form 990, Part VI, Section B, Line 15b Yes, reviewed peer data and reviewed work performance is used to determine compensation. Form 990, Part VI, Section C, Line 19 Financial statements are posted in the lobby.