Nonprofit · EIN 94-0335800
1ST UNITED CREDIT UNION
Tax-exempt · PLEASANTON, CA 94588
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $60,536,741 | $52,689,454 | $7,847,287 | $1,212,275,788 | $1,088,411,240 | $123,864,548 |
| December 31, 2023 | 990 | $51,170,118 | $46,369,301 | $4,800,817 | $1,224,510,759 | $1,112,373,663 | $112,137,096 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $46,236,910
- Investment income
- $10,065,133
- Other revenue
- $4,234,698
Expenses
- Grants and similar amounts paid
- $32,324
- Compensation of officers, directors and key employees
- $3,756,249
- Other salaries and wages
- $12,703,362
- Salaries, compensation and benefits (total)
- $21,205,007
- Professional fundraising fees
- $0
- Legal fees
- $206,251
- Accounting fees
- $127,560
- Occupancy
- $1,499,344
- Travel
- $15,957
- Depreciation
- $1,104,407
Balance sheet and other
- Total assets, start of year
- $1,224,510,759
- Total assets, end of year
- $1,212,275,788
- Total liabilities, end of year
- $1,088,411,240
- Net assets, end of year
- $123,864,548
- Land, buildings and equipment
- $5,318,677
- Publicly traded securities
- $235,092,539
- Gross unrelated business income
- $148,008
- Gross receipts
- $60,536,741
- Employees
- 187
- Volunteers
- 14
- Year formed
- 1932
- State of legal domicile
- CA
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| STEPHEN STONE | CEO Officer | 40 | $620,594 | $34,759 |
| TOSHA EAGLES-WILLIAMS | CLO Officer | 40 | $294,897 | $30,967 |
| DERRICK FORTIER | CRO Officer | 40 | $266,531 | $51,688 |
| JOANNA UHL | CIO Officer | 40 | $272,053 | $45,835 |
| GANGA RADHAKRISHNAN | CFO Officer | 40 | $291,571 | $20,206 |
| SARAH CECCHIN | SVP MARKETING & COMMUNICATIONS Key employee | 40 | $193,983 | $38,069 |
| CHARLENE A ALMERIA | VP FINANCE & ACCOUNTING Key employee | 40 | $193,616 | $32,620 |
| JAMES SANTIAGO | VP IT Key employee | 40 | $186,040 | $24,357 |
| LYNN DIGNON | DIRECTOR OF PROJECT MANAGEMENT Highest-paid employee | 40 | $165,061 | $43,039 |
| CHRISTOPHER FOX | VP ENTERPRISE APPLICATIONS Key employee | 40 | $190,298 | $16,188 |
| GOLDMAN LEE | VP RETAIL SALES & EXPERIENCE Key employee | 40 | $162,080 | $42,892 |
| STEVEN J SCHIRO | DIRECTOR OF DEVELOPMENT Highest-paid employee | 40 | $175,172 | $22,887 |
| SHERYON HILL-SAVAGE | VP ASSET RECOVERY Key employee | 40 | $170,409 | $22,613 |
| BERNADETTE OSORIO | VP INDIRECT LENDING Highest-paid employee | 40 | $147,158 | $41,937 |
| JEANNIE SUGAOKA | VP COMPLIANCE AND RISK MANAGEMENT Key employee | 40 | $164,664 | $19,722 |
13 more people on this return
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| WILFREDO DELA CRUZ | VP LENDING Highest-paid employee | 40 | $150,678 | $30,982 |
| MIKIKO HIRUTA | VP HUMAN RESOURCES Highest-paid employee | 40 | $159,068 | $21,811 |
| VERONICA RODRIGUEZ | CHRO Officer | 40 | $160,062 | $8,949 |
| LYNELL FRALEY | CHRO Officer | 40 | $136,886 | $14,421 |
| CYRIL BONANNO | SECRETARY Trustee or director | 1 | $13,344 | $0 |
| VELETA SAVANNAH | BOD MEMBER Trustee or director | 1 | $10,305 | $0 |
| STEVE MANNING | VICE CHAIRPERSON Trustee or director | 1 | $8,098 | $0 |
| PATRICK O'CONNELL | BOD MEMBER Trustee or director | 1 | $7,563 | $0 |
| JOAN JOHNSON | BOD MEMBER Trustee or director | 1 | $6,082 | $0 |
| TERESITA LAUIGAN | TREASURER Trustee or director | 1 | $3,887 | $0 |
| KEVIN POWERS | BOD MEMBER Trustee or director | 1 | $0 | $0 |
| DAVE MACDONALD | CHAIRPERSON Trustee or director | 2 | $0 | $0 |
| HOWARD GARRIGAN | BOD MEMBER Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 27 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| STEPHEN STONE | CEO Officer | 50 | $574,428 | $33,809 |
| JOANNA UHL | CIO Officer | 45 | $269,510 | $46,652 |
| TOSHA EAGLES-WILLIAMS | CHIEF LENDING & MARKETING Officer | 45 | $274,109 | $21,778 |
| DERRICK FORTIER | CRO Officer | 45 | $243,351 | $50,397 |
| GANGA RADHAKRISHNAN | CFO Officer | 45 | $272,147 | $18,892 |
| LYNELL FRALEY | CHRO Officer | 45 | $249,017 | $35,845 |
| SARAH CECCHIN | SVP MARKETING & COMMUNICATIONS Key employee | 45 | $183,259 | $46,072 |
| CHARLENE A ALMERIA | VP FINANCE & ACCOUNTING Officer | 40 | $184,782 | $32,335 |
| GOLDMAN LEE | VP RETAIL SALES & EXPERIENCE Key employee | 40 | $154,409 | $43,676 |
| JAMES SANTIAGO | VP IT Key employee | 45 | $166,654 | $22,502 |
| CHRISTOPHER FOX | VP ENTERPRISE APPLICATIONS Key employee | 40 | $175,415 | $13,354 |
| LYNN DIGNON | DIRECTOR OF PROJECT MANAGEMENT Highest-paid employee | 40 | $164,778 | $22,410 |
| SHERYON HILL-SAVAGE | VP ASSET RECOVERY Key employee | 40 | $164,167 | $22,192 |
| BERNADETTE OSORIO | VP INDIRECT LENDING Highest-paid employee | 40 | $140,015 | $43,090 |
| WILFREDO DELA CRUZ | VP LENDING Highest-paid employee | 40 | $144,776 | $30,764 |
| JEANNIE SUGAOKA | VP COMPLIANCE AND RISK MANAGEMENT Key employee | 40 | $151,714 | $19,825 |
| MIKIKO HIRUTA | DIRECTOR - HUMAN RESOURCES Highest-paid employee | 40 | $139,556 | $20,127 |
| JILIIAN N BULWA | VP DEVELOPMENT & CULTURE Highest-paid employee | 40 | $142,500 | $10,771 |
| STEVE MANNING | VICE CHAIRPERSON Trustee or director | 1 | $8,020 | $0 |
| CYRIL BONANNO | SECRETARY Trustee or director | 1 | $7,888 | $0 |
| PATRICK O'CONNELL | BOD MEMBER Trustee or director | 1 | $7,188 | $0 |
| JOAN JOHNSON | BOD MEMBER Trustee or director | 1 | $5,928 | $0 |
| TERESITA LAUIGAN | TREASURER Trustee or director | 1 | $3,887 | $0 |
| VELETA SAVANAH | BOD MEMBER Trustee or director | 1 | $1,274 | $0 |
| HOWARD T GARRIGAN | BOD MEMBER Trustee or director | 1 | $0 | $0 |
| DAVE MACDONALD | CHAIRPERSON Trustee or director | 2 | $0 | $0 |
| SUSAN MURANISHI | BOD MEMBER Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 11746, PLEASANTON, CA 94588-1746
- Principal officer (990 for 2024)
- STEPHEN M STONE, PO BOX 11746, PLEASANTON, CA 94588
- Signed the 990
- STEPHEN M STONE, PRESIDENT/CEO
- Phone
- (925) 598-4837
- Website
- WWW.1STUNITEDCU.ORG
- Return prepared by
- DOEREN MAYHEW
California records
California keeps its own records of charities and corporations. Search them by EIN 94-0335800 or by the name 1ST UNITED CREDIT UNION.
- Attorney General, Registry of Charities and Fundraisers
- Registration status and filed reports (CT-TR-1, RRF-1)
- Secretary of State, bizfile Online
- Corporation status, entity number, agent for service
- Franchise Tax Board
- Entity status letter (state tax exemption, good standing)
Mission
AT 1ST UNITED CREDIT UNION, WE ARE KNOWN IN THE COMMUNITY FOR OUR FINANCIAL EDUCATION PROGRAM. THE CREDIT UNION OFFERS FINANCIAL EDUCATION AND FRAUD PREVENTION SEMINARS ON-SITE AT LOCAL SCHOOLS AND OTHER COMMUNITY MEETING PLACES, AND SELF-STUDY MATERIALS ON OUR WEBSITE AT 1STUNITEDCU.ORG.
Program accomplishments
- 1ST UNITED CREDIT UNION OFFERS A COMPREHENSIVE PORTFOLIO OF SAVINGS AND LOAN PRODUCTS FOR MEMBERS. 1ST UNITED'S PRODUCTS ARE AN EXCELLENT VALUE, COMPETITIVELY PRICED AND EASY TO PURCHASE. ALL OF OUR PRODUCTS ARE AVAILABLE TO MEMBERS THROUGH OUR EXTENSIVE BRANCH NETWORK, VIA OUR MEMBER SERVICES CALL CENTER OR ONLINE AT 1STUNITEDCU.ORG.
- 1ST UNITED CREDIT UNION OFFERS FINANCIAL PLANNING AND INVESTMENT SERVICES FOR OUR MEMBERS. THESE SERVICES ARE AVAILABLE TO ALL MEMBERS OF THE CREDIT UNION AND ARE DELIVERED THROUGH OASIS INVESTMENT, INC., A REGISTERED BROKER-DEALER.
- AT 1ST UNITED CREDIT UNION, WE ARE KNOWN IN THE COMMUNITY FOR OUR FINANCIAL EDUCATION PROGRAMS. THE CREDIT UNION OFFERS FINANCIAL EDUCATION AND FRAUD PREVENTION SEMINARS ON-SITE AT LOCAL SCHOOLS AND OTHER COMMUNITY MEETING PLACES, AND SELF-STUDY MATERIALS ON OUR WEBSITE AT 1STUNITEDCU.ORG.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Check at the IRS |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 94-0335800
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1961
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 1526: CREDIT UNIONS IN THE STATE OF CALIFORNIA
- Assets (IRS master file)
- $1,246,733,644
- Income (IRS master file)
- $66,005,358
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $60,536,741 | $52,689,454 | $1,212,275,788 | XML |
| 990 | December 2023 | $51,170,118 | $46,369,301 | $1,224,510,759 | XML |
| 990 | December 2022 | $44,843,842 | $37,181,605 | $1,277,603,441 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 94-0335800).
Questions about 1ST UNITED CREDIT UNION
- What is the EIN of 1ST UNITED CREDIT UNION?
- The employer identification number (EIN) of 1ST UNITED CREDIT UNION is 94-0335800.
- Is 1ST UNITED CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1961.
- Are donations to 1ST UNITED CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does 1ST UNITED CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of 1ST UNITED CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did 1ST UNITED CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of 1ST UNITED CREDIT UNION?
- The 990 for the year ended December 31, 2024 names STEPHEN M STONE.
- Who are the officers and directors of 1ST UNITED CREDIT UNION?
- The 990 for the year ended December 31, 2024 lists 28 people; 25 received compensation from the organization, the highest $620,594 (STEPHEN STONE, CEO).
- How much revenue does 1ST UNITED CREDIT UNION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $60,536,741, expenses of $52,689,454 and total assets of $1,212,275,788 at year end.
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