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CREDIT UNIONS IN THE STATE OF CALIFORNIA

EIN 94-1439553 MODESTO, CA

Revenue 2024
$63,347,544
Expenses 2024
$58,535,460

As filed

Subsection
14
Classification
1000
Street
1005 W ORANGEBURG AVE

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Group exemption

A subordinate covered by the group exemption of CREDIT UNIONS IN THE STATE OF CALIFORNIA (EIN 94-6123880). matched by us

The IRS lists each organization's group exemption number; we match a subordinate to its central organization by that number and the affiliation code the IRS assigns.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • FRED CRUZ

    VICE CHAIR

    Total calculated
    $0
    Hours/week
    2

  • PATTI GILLIHAN

    SECRETARY AND TREASURER

    Total calculated
    $0
    Hours/week
    2

  • GARY HALL

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • TOM KANE

    FORMER DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • CHRIS PETERSON

    CHAIR

    Total calculated
    $0
    Hours/week
    2

  • DONNA RILEY

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • JOHN SCHNEIDER

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • TAMRA SPADE

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • KATHRYN DAVIS

    PRESIDENT & CEO

    Total calculated
    $776,000
    From this org
    $710,897
    From related orgs
    $0
    Other
    $65,103
    Hours/week
    60

    Schedule J breakdown matched by us

    Base
    $533,772
    Bonus
    $156,250
    Other
    $20,875
    Deferred
    $30,500
    Nontaxable benefits
    $34,603
    Filer's total
    $776,000

  • TODD MCCOY

    FORMER CHIEF FINANCIAL OFFICER

    Total calculated
    $122,477
    From this org
    $106,598
    From related orgs
    $0
    Other
    $15,879
    Hours/week
    40

  • MARY ROBERTS

    CHIEF FINANCIAL OFFICER

    Total calculated
    $106,291
    From this org
    $97,525
    From related orgs
    $0
    Other
    $8,766
    Hours/week
    50

  • COURTNAY LYNCH

    VP, PEOPLE & CULTURE

    Total calculated
    $211,330
    From this org
    $186,398
    From related orgs
    $0
    Other
    $24,932
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $161,243
    Bonus
    $23,472
    Other
    $1,683
    Deferred
    $7,889
    Nontaxable benefits
    $17,043
    Filer's total
    $211,330

  • CHRIS HEWITT

    VP, OPS & DIGITAL STRATEGY

    Total calculated
    $247,952
    From this org
    $210,863
    From related orgs
    $0
    Other
    $37,089
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $180,038
    Bonus
    $23,959
    Other
    $6,866
    Deferred
    $9,352
    Nontaxable benefits
    $27,737
    Filer's total
    $247,952

  • PAUL EMANUELS

    FORMER VP, LENDING

    Total calculated
    $338,482
    From this org
    $323,257
    From related orgs
    $0
    Other
    $15,225
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $157,517
    Bonus
    $3,754
    Other
    $161,986
    Deferred
    $8,237
    Nontaxable benefits
    $6,988
    Filer's total
    $338,482

  • ANDREA BROOKS

    CHIEF RISK OFFICER

    Total calculated
    $292,708
    From this org
    $252,713
    From related orgs
    $0
    Other
    $39,995
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $220,134
    Bonus
    $24,282
    Other
    $8,297
    Deferred
    $11,792
    Nontaxable benefits
    $28,203
    Filer's total
    $292,708

  • CHRISTOPHER BRAUN

    VP, PAYMENTS

    Total calculated
    $227,975
    From this org
    $217,449
    From related orgs
    $0
    Other
    $10,526
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $192,909
    Bonus
    $23,319
    Other
    $1,221
    Deferred
    $10,031
    Nontaxable benefits
    $495
    Filer's total
    $227,975

  • BYRON MILLER

    FORMER VP, TECHNOLOGY

    Total calculated
    $210,012
    From this org
    $175,761
    From related orgs
    $0
    Other
    $34,251
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $23,336
    Bonus
    $0
    Other
    $152,425
    Deferred
    $0
    Nontaxable benefits
    $34,251
    Filer's total
    $210,012

  • BETINO MARCELO

    CHEIF LENDING OFFICER

    Total calculated
    $225,662
    From this org
    $202,017
    From related orgs
    $0
    Other
    $23,645
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $194,793
    Bonus
    $0
    Other
    $7,224
    Deferred
    $11,253
    Nontaxable benefits
    $12,392
    Filer's total
    $225,662

  • RAYMOND MCCASLIN

    FORMER VP, COMMERCIAL BANKING

    Total calculated
    $220,044
    From this org
    $189,206
    From related orgs
    $0
    Other
    $30,838
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $163,454
    Bonus
    $19,533
    Other
    $6,219
    Deferred
    $1,973
    Nontaxable benefits
    $28,865
    Filer's total
    $220,044

  • LINDSAY SANSEN

    DIRECTOR, MARKETING

    Total calculated
    $176,164
    From this org
    $139,594
    From related orgs
    $0
    Other
    $36,570
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $137,857
    Bonus
    $1,443
    Other
    $294
    Deferred
    $6,571
    Nontaxable benefits
    $29,999
    Filer's total
    $176,164

  • VALARIE ROBERTS-ALLEN

    DIRECTOR, DISPUTE OPERATIONS

    Total calculated
    $126,408
    From this org
    $117,528
    From related orgs
    $0
    Other
    $8,880
    Hours/week
    45

  • JANE LUNN

    DIRECTOR, TALENT DEVELOPMENT

    Total calculated
    $147,888
    From this org
    $119,074
    From related orgs
    $0
    Other
    $28,814
    Hours/week
    45

  • CHARLES CIAPPONI

    DIRECTOR, COMPLIANCE

    Total calculated
    $163,159
    From this org
    $134,346
    From related orgs
    $0
    Other
    $28,813
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $132,088
    Bonus
    $1,986
    Other
    $272
    Deferred
    $6,925
    Nontaxable benefits
    $21,888
    Filer's total
    $163,159

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $63,347,544
    Expenses
    $58,535,460
    Contributions
    $2,025,791
    Grants paid
    $163,667
  • 2023
    Revenue
    $57,186,497
    Expenses
    $47,771,769
    Contributions
    $3,239,444
    Grants paid
    $208,176
  • 2022
    Revenue
    $40,105,453
    Expenses
    $30,736,008
    Contributions
    $0
    Grants paid
    $94,642

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Grants made

The 10 largest by cash amount. The API serves every itemized grant.

Where these grants went next →

Grants received

No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The IRS Business Master File ingested 5 October 2026, which is when the registration facts above were last refreshed for every organization. Returns through tax year 2024, the newest we have parsed for this organization.