Nonprofit · EIN 94-1175509
1ST NORTHERN CALIFORNIA CREDIT UNION
Tax-exempt · MARTINEZ, CA 94553
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $30,748,447 | $26,046,852 | $4,701,595 | $807,692,304 | $712,174,657 | $95,517,647 |
| December 31, 2024 | 990 | $27,797,888 | $23,654,911 | $4,142,977 | $822,266,381 | $731,450,329 | $90,816,052 |
| December 31, 2023 | 990 | $21,217,660 | $18,195,169 | $3,022,491 | $798,827,304 | $712,154,229 | $86,673,075 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $17,127,222
- Investment income
- $13,282,416
- Other revenue
- $338,809
Expenses
- Grants and similar amounts paid
- $0
- Benefits paid to members
- $6,925,202
- Compensation of officers, directors and key employees
- $1,808,794
- Other salaries and wages
- $5,512,408
- Salaries, compensation and benefits (total)
- $9,694,225
- Professional fundraising fees
- $0
- Legal fees
- $796,000
- Accounting fees
- $372,322
- Occupancy
- $778,813
- Travel
- $21,693
- Depreciation
- $333,973
Balance sheet and other
- Total assets, start of year
- $822,266,381
- Total assets, end of year
- $807,692,304
- Total liabilities, end of year
- $712,174,657
- Net assets, end of year
- $95,517,647
- Land, buildings and equipment
- $2,826,383
- Publicly traded securities
- $103,066,273
- Gross unrelated business income
- $20,880
- Gross receipts
- $30,748,447
- Employees
- 103
- Volunteers
- 13
- Year formed
- 1949
- 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, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| DAVID GREEN | PRESIDENT/CEO Officer | 40 | $512,521 | $19,470 |
| DIANA MALICOAT | SR. VICE PRESIDENT/COO Key employee | 40 | $271,240 | $29,929 |
| TASHA KOSTICK | SR. VICE PRESIDENT/CFO Officer | 40 | $271,327 | $22,376 |
| LISA HOMES | SR. VICE PRESIDENT/CLO Key employee | 40 | $237,696 | $22,913 |
| BRUCE MURAOKA | VP OF IT Key employee | 40 | $193,744 | $18,006 |
| GREGG HOFFMAN | SR. VICE PRESIDENT/CMO Key employee | 40 | $206,474 | $3,098 |
| CHRIS PEREZ | VP OF MORTGAGE LENDING Highest-paid employee | 40 | $168,850 | $25,012 |
| KRISTINA BRYAN | VP OF OPERATIONS Highest-paid employee | 40 | $163,183 | $18,789 |
| ROBERT FRYMAN | VP OF COMPLIANCE Highest-paid employee | 40 | $155,143 | $11,735 |
| REGINALD CAMPBELL | VP/BRANCH MANAGER Highest-paid employee | 40 | $138,283 | $22,782 |
| CHRISTINA MORGAN | VP/BRANCH MANAGER Highest-paid employee | 40 | $126,809 | $12,955 |
| STEPHEN YBARRA | CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| JULIE ENEA | 1ST VICE CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| MARY ANN MASON | 2ND VICE CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| ROBERT CAMPBELL | TREASURER Trustee or director, Officer | 2 | $0 | $0 |
1 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| CHRISTINA DUNN | SECRETARY Trustee or director, Officer | 2 | $0 |
990 for the year ended December 31, 2024: 16 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| DAVID GREEN | PRESIDENT/CEO Officer | 40 | $469,597 | $18,138 |
| DIANA MALICOAT | SR. VICE PRESIDENT/COO Key employee | 40 | $251,044 | $27,001 |
| TASHA KOSTICK | SR. VICE PRESIDENT/CFO Officer | 40 | $242,529 | $22,134 |
| LISA HOMES | SR. VICE PRESIDENT/CLO Key employee | 40 | $221,128 | $21,729 |
| GREGG HOFFMAN | SR. VICE PRESIDENT/CMO Key employee | 40 | $191,196 | $2,963 |
| BRUCE MURAOKA | VP OF IT Key employee | 40 | $174,649 | $15,748 |
| CHRIS PEREZ | VP OF MORTGAGE LENDING Highest-paid employee | 40 | $151,527 | $22,483 |
| KRISTINA BRYAN | VP OF OPERATIONS Highest-paid employee | 40 | $142,026 | $16,826 |
| ROBERT FRYMAN | VP OF COMPLIANCE Highest-paid employee | 40 | $143,663 | $10,347 |
| REGINALD CAMPBELL | VP/BRANCH MANAGER Highest-paid employee | 40 | $133,380 | $16,977 |
| SOPHIE FINAU | VP/ HUMAN RESOURCES Highest-paid employee | 40 | $118,446 | $12,206 |
| STEPHEN YBARRA | CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| MARY ANN MASON | 1ST VICE CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| ROBERT CAMPBELL | 2ND VICE CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| JULIE ENEA | TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| CHRISTINA DUNN | SECRETARY Trustee or director, Officer | 2 | $0 | $0 |
990 for the year ended December 31, 2023: 16 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| DAVID GREEN | PRESIDENT/CEO Officer | 40 | $410,842 | $17,051 |
| TASHA KOSTICK | SR. VICE PRESIDENT/CFO Officer | 40 | $222,346 | $20,689 |
| DIANA MALICOAT | SR. VICE PRESIDENT/COO Key employee | 40 | $215,143 | $21,775 |
| LISA HOMES | SR. VICE PRESIDENT/CLO Key employee | 40 | $197,160 | $17,625 |
| BRUCE MURAOKA | VP OF IT Key employee | 40 | $168,079 | $14,702 |
| GREGG HOFFMAN | SR. VICE PRESIDENT/CMO Key employee | 40 | $172,136 | $7,927 |
| REGINALD CAMPBELL | VP/BRANCH MANAGER Highest-paid employee | 40 | $137,618 | $15,943 |
| CHRIS PEREZ | VP OF MORTGAGE LENDING Highest-paid employee | 40 | $125,155 | $20,328 |
| KRISTINA BRYAN | VP OF OPERATIONS Highest-paid employee | 40 | $130,654 | $14,687 |
| ROBERT FRYMAN | VP OF COMPLIANCE Highest-paid employee | 40 | $117,332 | $9,695 |
| STACEY SMOR | AVP/CONTROLLER Highest-paid employee | 40 | $105,884 | $11,685 |
| STEPHEN YBARRA | CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| MARY ANN MASON | 1ST VICE CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| ROBERT CAMPBELL | 2ND VICE CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| JULIE ENEA | TREASURER Trustee or director, Officer | 2 | $0 | $0 |
| CHRISTINA DUNN | SECRETARY Trustee or director, Officer | 2 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1111 PINE ST, MARTINEZ, CA 94553-1702
- Principal officer (990 for 2025)
- DAVID M GREEN, 1111 PINE STREET, MARTINEZ, CA 94553
- Signed the 990
- DAVID M GREEN, PRESIDENT/CEO
- Phone
- (925) 228-7550
- Website
- WWW.1STNORCALCU.ORG
- Return prepared by
- CLIFTONLARSONALLEN LLP
California records
California keeps its own records of charities and corporations. Search them by EIN 94-1175509 or by the name 1ST NORTHERN CALIFORNIA 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
THIS CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSES OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, THIS CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THIS CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.
Program accomplishments
- 1ST NORTHERN CREDIT UNION PROVIDES LOANS TO ITS MEMBERS AT LOW RATES.
- 1ST NORTHERN CREDIT UNION PROVIDES ITS MEMBERS WITH SAVINGS ACCOUNTS THAT EARN INTEREST AT HIGHER RATES.
- 1ST NORTHERN CREDIT UNION PROVIDES ITS MEMBERS WITH NO-COST OR LOW-COST FINANCIAL SERVICES.
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 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 94-1175509
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 2018
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Public and societal benefit (W61)
- Assets (IRS master file)
- $807,692,304
- Income (IRS master file)
- $30,748,447
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $30,748,447 | $26,046,852 | $807,692,304 | XML |
| 990 | December 2024 | $27,797,888 | $23,654,911 | $822,266,381 | XML |
| 990 | December 2023 | $21,217,660 | $18,195,169 | $798,827,304 | XML |
| 990 | December 2022 | $16,635,726 | $15,582,730 | $878,372,297 | 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 94-1175509).
Questions about 1ST NORTHERN CALIFORNIA CREDIT UNION
- What is the EIN of 1ST NORTHERN CALIFORNIA CREDIT UNION?
- The employer identification number (EIN) of 1ST NORTHERN CALIFORNIA CREDIT UNION is 94-1175509.
- Is 1ST NORTHERN CALIFORNIA CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 2018.
- Are donations to 1ST NORTHERN CALIFORNIA CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does 1ST NORTHERN CALIFORNIA 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 NORTHERN CALIFORNIA 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 NORTHERN CALIFORNIA CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of 1ST NORTHERN CALIFORNIA CREDIT UNION?
- The 990 for the year ended December 31, 2025 names DAVID M GREEN.
- Who are the officers and directors of 1ST NORTHERN CALIFORNIA CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 16 people; 11 received compensation from the organization, the highest $512,521 (DAVID GREEN, PRESIDENT/CEO).
- How much revenue does 1ST NORTHERN CALIFORNIA CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $30,748,447, expenses of $26,046,852 and total assets of $807,692,304 at year end.
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