Nonprofit · EIN 94-2407726
CREDIT UNIONS IN THE STATE OF CALIFORNIA
Also known as SANTA CRUZ COMMUNITY CREDIT UNION
Tax-exempt · SANTA CRUZ, CA 95060
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $11,837,669 | $13,037,602 | -$1,199,933 | $176,019,950 | $158,489,442 | $17,530,508 |
| December 31, 2024 | 990 | $15,151,619 | $14,234,197 | $917,422 | $186,167,119 | $167,441,254 | $18,725,865 |
| December 31, 2023 | 990 | $13,363,100 | $12,403,594 | $959,506 | $191,939,988 | $174,138,843 | $17,801,145 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $11,149,039
- Investment income
- $688,630
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $45,855
- Compensation of officers, directors and key employees
- $2,156,970
- Other salaries and wages
- $2,444,514
- Salaries, compensation and benefits (total)
- $5,913,370
- Professional fundraising fees
- $0
- Legal fees
- $42,134
- Accounting fees
- $127,500
- Occupancy
- $776,961
- Travel
- $25,003
- Depreciation
- $368,192
Balance sheet and other
- Total assets, start of year
- $186,167,119
- Total assets, end of year
- $176,019,950
- Total liabilities, end of year
- $158,489,442
- Net assets, end of year
- $17,530,508
- Land, buildings and equipment
- $10,461,327
- Publicly traded securities
- $4,119,016
- Gross unrelated business income
- $18,105
- Gross receipts
- $11,837,669
- Employees
- 56
- Volunteers
- 10
- Year formed
- 1977
- 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 |
|---|---|---|---|---|
| ELIZABETH CARR | CEO Officer | 40 | $694,620 | $40,904 |
| SYLVIA O SANCHEZ | CFO Officer | 40 | $237,487 | $39,027 |
| KATIE FAIRBAIRN | CAO/EVP Officer | 40 | $228,366 | $16,756 |
| JOSEPH L COFFMAN | CTO Officer | 40 | $211,826 | $18,331 |
| EDWARD CROSS | CORE APP ARCHITECT Highest-paid employee | 40 | $158,114 | $2,197 |
| DENISE L BOOP | ACCOUNTING MANAGER Highest-paid employee | 40 | $127,679 | $21,109 |
| LAURA MONIQUE BROWN OWEN | DIRECTOR OF COMMUNITY OUTREACH Highest-paid employee | 40 | $127,391 | $16,243 |
| HOWARD O SMITH | VP OF MEMBER SERVICES Highest-paid employee | 40 | $123,308 | $19,114 |
| CHARLOTTE MARIE EGGLESTON | DIRECTOR ESERVICES/QUALITY CONTROL Highest-paid employee | 40 | $117,984 | $19,744 |
| JANICE A BUNAO | CLO Officer | 40 | $130,195 | $7,453 |
| ELAINE JOHNSON | BOARD CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| JESSICA LENTH | BOARD TREASURER Trustee or director | 1 | $0 | $0 |
| PAZ PADILLA | BOARD SECRETARY Trustee or director | 1 | $0 | $0 |
| SYLVIA REYES | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MATT FARRELL | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
4 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| NED VAN VALKENBURGH | BOARD MEMBER Trustee or director | 1 | $0 |
| LINDA BROWN | SUPV CMTE CHAIRPERSON Trustee or director | 1 | $0 |
| SUZANNE MACLEAN | SUPV CMTE MEMBER Trustee or director | 1 | $0 |
| GWEN RAYBURN | SUPV CMTE MEMBER Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 21 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ELIZABETH CARR | CEO Officer | 40 | $313,542 | $212,012 |
| PAUL BARENFUS | CLO Officer | 40 | $195,377 | $29,548 |
| KATIE FAIRBAIRN | CAO Officer | 40 | $202,780 | $7,730 |
| JOSEPH L COFFMAN | CTO Officer | 40 | $177,488 | $14,585 |
| JESUS BERUMEN | DIR OF CONSUMER REAL ESTATE Highest-paid employee | 40 | $140,923 | $38,648 |
| EDWARD CROSS JR | CIO Officer | 40 | $161,988 | $0 |
| LAURA OWEN | DIR OF COMM. OUTREACH LEARN Highest-paid employee | 40 | $119,630 | $14,002 |
| CHARLOTTE EGGLESTON | DIR OF E SERVICES Highest-paid employee | 40 | $110,862 | $19,026 |
| SYLVIA O SANCHEZ | CFO Officer | 40 | $107,276 | $12,523 |
| CYNTHIA LOPEZ | BSA / COMPLIANCE MANAGER Highest-paid employee | 40 | $102,022 | $11,695 |
| MATT FARRELL | CHAIRMAN Trustee or director | 1 | $0 | $0 |
| TAMMY PELSTRING | BOARD TREASURER Trustee or director | 1 | $0 | $0 |
| PAZ PADILLA | BOARD SECRETARY Trustee or director | 1 | $0 | $0 |
| AMI EBRIGHT | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| SYLVIA REYES | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| NED VAN VALKENBURGH | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JESSICA LENTH | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ELAINE JOHNSON | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| LINDA BROWN | SUPV CMTE CHAIR Trustee or director | 1 | $0 | $0 |
| SUZANNE MACLEAN | SUPV CMTE MEMBER Trustee or director | 1 | $0 | $0 |
| CHUCK HAHN | SUPV CMTE MEMBER Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 23 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ELIZABETH CARR | CEO Officer | 40 | $853,473 | $219,277 |
| KATIE FAIRBAIRN | CXO Officer | 40 | $202,758 | $7,194 |
| PAUL BARENFUS | CLO Officer | 40 | $197,813 | $7,907 |
| EVERADO MUNOZ FORMER | COO Officer | 40 | $181,603 | $18,472 |
| EDWARD CROSS JR | CORE APPLICATION ARCHITECT Officer | 40 | $171,387 | $0 |
| JOSEPH L COFFMAN | CTO Officer | 40 | $158,528 | $7,979 |
| JESUS BERUMEN | DIR OF CONSUMER REAL ESTATE Highest-paid employee | 40 | $121,047 | $31,652 |
| ALICIA KRETSCH FORMER | COMMERCIAL LENDING MANAGER Highest-paid employee | 40 | $143,902 | $5,746 |
| LILLIANNE DYKSTRA FORMER | SR APPLICATIONS ADMIN Highest-paid employee | 40 | $120,006 | $14,433 |
| LAURA OWEN | DIR OF COMM. OUTREACH LEARN Highest-paid employee | 40 | $120,437 | $11,676 |
| JULIE JAQUITH FORMER | CREDIT SUPPORT MANAGER Highest-paid employee | 40 | $109,240 | $13,935 |
| ANNIE SONG FORMER | CFO Officer | 40 | $100,253 | $7,250 |
| MATT FARRELL | CHAIRMAN Trustee or director | 1 | $0 | $0 |
| HOWARD SHERER | BOARD SECRETARY Trustee or director | 1 | $0 | $0 |
| TAMMY PELSTRING | BOARD TREASURER Trustee or director | 1 | $0 | $0 |
| AMI EBRIGHT | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| PAZ PADILLA | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| SYLVIA REYES | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| NED VAN VALKENBURGH | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| BONNIE LIPSCOMB | ASSOCIATE Trustee or director | 1 | $0 | $0 |
| LINDA BROWN | SUPV CMTE CHAIR Trustee or director | 1 | $0 | $0 |
| SUZANNE MACLEAN | SUPV CMTE MEMBER Trustee or director | 1 | $0 | $0 |
| CHUCK HAHN | SUPV CMTE MEMBER Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 55 RIVER ST, SANTA CRUZ, CA 95060-4513
- In care of
- % 2605 S MILLER STREET SUITE 107
- Principal officer (990 for 2025)
- ELIZABETH CARR, 55 RIVER STREET, SANTA CRUZ, CA 95060
- Signed the 990
- ELIZABETH CARR, PRESIDENT/CEO
- Phone
- (831) 425-7708
- Website
- WWW.SCCCU.ORG
- Return prepared by
- TURNER WARREN HWANG & CONRAD ACCTCY
California records
California keeps its own records of charities and corporations. Search them by EIN 94-2407726 or by the name CREDIT UNIONS IN THE STATE OF CALIFORNIA.
- 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
A COOPERATIVE, ORGANIZED FOR THE PURPOSE 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, SANTA CRUZ COMMUNITY CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. SANTA CRUZ COMMUNITY CREDIT UNION SERVES THE COMMUNITY AS A CERTIFIED CDFI AND LOW INCOME CREDIT UNION, ENSURING THAT THROUGH ECONOMIC JUSTICE MEASURES, ALL PEOPLE RECEIVE ASSISTANCE TO IMPROVE THEIR LIVES.
Program accomplishments
- THE CREDIT UNION IS A COMMUNITY DEVELOPMENT, LOW-INCOME AND JUNTOS AVANZAMOS CERTIFIED CREDIT UNION PROVIDING LOW-COST, LIFE-CHANGING SERVICES, FINANCIAL LEARNING AND OPPORTUNITIES TO ITS LOCAL COMMUNITIES WITH A MISSION TO EMBRACE ECONOMIC JUSTICE AND TO PROVIDE FINANCIAL ACCESS TO ALL PEOPLE. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION SERVING SANTA CRUZ, MONTEREY, AND SAN BENITO COUNTIES AS THEIR APPROVED FIELD OF MEMBERSHIP.SCCCU SERVES PEOPLE AND BUSINESSES IN ALL WALKS OF LIFE AND PROVIDES A VARIETY OF OPPORTUNITIES TO MINORITY POPULATIONS INCLUDING CONSUMER, REAL ESTATE AND COMMERCIAL/SMALL AND MICRO-BUSINESS LENDING. SPECIFICALLY, THE CREDIT UNION OFFERS "PROYECTO HOGAR" - MANUFACTURED HOME LOANS, NEW AND USED AUTO LOANS, MINORITY BUSINESS LOANS, LINES OF CREDIT, PLATINUM VISA AND SAVINGS-SECURED VISA, COMMERCIAL LOANS, REAL ESTATE LOANS AND HOME EQUITY LOANS AND LINES OF CREDIT.
- SANTA CRUZ COMMUNITY CREDIT UNION IS NOT A TEMPLATE LENDER, SO WE WORK WITH EACH INDIVIDUAL BORROWER, NON-PROFIT AND BUSINESS TO FIND THE RIGHT SOLUTIONS. THAT INCLUDES REAL ESTATE FIRST AND SECOND LOANS, COMMUNITY DEVELOPMENT AND GOVERNMENT-GUARANTEED LOANS SUCH AS CAL COASTAL RURAL DEVELOPMENT, SBA AND MICRO-BUSINESS LOANS. THE CREDIT UNION SERVES MANY MICRO AND SMALL BUSINESSES AS WELL AS NON-PROFITS LOCALLY, AS SANTA CRUZ COUNTY IS A COMMUNITY OF ENTREPRENEURIAL BUSINESSES AND NON-PROFITS THAT OFTEN HAVE FEW OPTIONS AVAILABLE COMPARED TO THE MAINSTREAM BANKING INDUSTRY.
- THE CREDIT UNION HAS THREE BRANCHES ACROSS SANTA CRUZ COUNTY AND HAS RECENTLY LAUNCHED A MOBILE BRANCH CALLED "MOBI" THAT WILL SERVE UNDERSERVED AREAS. MOBI IS NOW PROVIDING BANKING SERVICES TO PAJARO IN MONTEREY COUNTY, WHICH HAS NEVER HAD PERMANENT BANKING SERVICES IN THE AREA. THE CREDIT UNION CONTINUES TO OFFER CONSUMER AND BUSINESS FINANCIAL PRODUCTS, FINANCIAL EDUCATION AND FINANCIAL OPPORTUNITIES, AND IS READY TO SUPPORT LOCAL COMMUNITY MEMBERS TO BE VIABLE AND SELF-SUFFICIENT IN THEIR PERSONAL, FINANCIAL JOURNEYS- WHATEVER THAT MAY BE. SERVICES INCLUDE A VARIETY OF LOW AND NO-FEE CHECKING AND SAVINGS ACCOUNTS, INCLUDING SECOND CHANCE CHECKING, IRA ACCOUNTS AND OTHER SPECIAL SAVINGS ACCOUNTS DESIGNED TO SERVE BOTH MODERATE AND LOW-INCOME COMMUNITY MEMBERS.
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
- 94-2407726
- 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)
- $176,019,950
- Income (IRS master file)
- $11,837,669
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $11,837,669 | $13,037,602 | $176,019,950 | XML |
| 990 | December 2024 | $15,151,619 | $14,234,197 | $186,167,119 | XML |
| 990 | December 2023 | $13,363,100 | $12,403,594 | $191,939,988 | XML |
| 990 | December 2022 | $14,177,074 | $11,593,769 | $188,657,258 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | 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 94-2407726).
Questions about CREDIT UNIONS IN THE STATE OF CALIFORNIA
- What is the EIN of CREDIT UNIONS IN THE STATE OF CALIFORNIA?
- The employer identification number (EIN) of CREDIT UNIONS IN THE STATE OF CALIFORNIA is 94-2407726.
- Is CREDIT UNIONS IN THE STATE OF CALIFORNIA tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1961.
- Are donations to CREDIT UNIONS IN THE STATE OF CALIFORNIA tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does CREDIT UNIONS IN THE STATE OF CALIFORNIA 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 CREDIT UNIONS IN THE STATE OF CALIFORNIA 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 CREDIT UNIONS IN THE STATE OF CALIFORNIA 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 CREDIT UNIONS IN THE STATE OF CALIFORNIA?
- The 990 for the year ended December 31, 2025 names ELIZABETH CARR.
- Who are the officers and directors of CREDIT UNIONS IN THE STATE OF CALIFORNIA?
- The 990 for the year ended December 31, 2025 lists 19 people; 10 received compensation from the organization, the highest $694,620 (ELIZABETH CARR, CEO).
- How much revenue does CREDIT UNIONS IN THE STATE OF CALIFORNIA have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $11,837,669, expenses of $13,037,602 and total assets of $176,019,950 at year end.
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- NONPROFITS INSURANCE ALLIANCE OF CALIFORNIA EIN 77-0203935 · last filed 990 for 2024
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- LAND TRUST OF SANTA CRUZ COUNTY EIN 94-2431856 · last filed 990 for 2025
- ENCOMPASS COMMUNITY SERVICES EIN 23-7275290 · last filed 990 for 2025
- ALLIANCE MEMBER SERVICES INC EIN 06-1555318 · last filed 990 for 2024
- HOUSING MATTERS EIN 77-0126783 · last filed 990 for 2025
- JAIN FOUNDATION EIN 77-0261398 · last filed 990-PF for 2025
- SANTA CRUZ COMMUNITY HEALTH CENTERS EIN 23-7428303 · last filed 990 for 2025