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CABRILLO CREDIT UNION

EIN 95-1968774 SAN DIEGO, CA

Browse the largest nonprofits in California

Revenue 2024
$27,350,587
Expenses 2024
$22,358,878

As filed

Subsection
14
NTEE code
W61
Classification
1000
Street
3710 RUFFIN RD

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).

Other organizations at this address

4 other organizations in the IRS Business Master File list the same street address. matched by us

We match the street line and ZIP code as the IRS gives them, ignoring case and outer spaces and nothing else, so "AVE" and "AVENUE" count as different streets and this list can miss some. A shared address can mean related organizations or a shared office, but it can also be a registered agent, a mail drop or a service provider holding mail for unrelated clients. It is not, by itself, evidence that two organizations are connected.

Mission and programs · 2024

Mission

SEE SCHEDULE OCABRILLO CREDIT UNION IS 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, CABRILLO 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.

Activities or mission (Part I)

A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS.

  • PROVIDED DEPOSIT AND LOAN ACCOUNTS TO 24,719 MEMBERS.PROVIDED LOW COST SOURCE OF CREDIT AND LOW COST FINANCIAL SERVICES TO OUR MEMBERS. PROVIDED SOURCE FOR MEMBER SAVINGS AND CHECKING ACCOUNT NEEDS.

As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.

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.

  • Randi Larsson

    CHAIR

    Total calculated
    $1,322
    From this org
    $1,322
    From related orgs
    $0
    Other
    $0
    Hours/week
    4
  • Frank Miranda

    VICE CHAIR

    Total calculated
    $0
    Hours/week
    4
  • Dave C Rodriguez

    SECRETARY

    Total calculated
    $0
    Hours/week
    4
  • Kristopher Whitworth

    TREASURER

    Total calculated
    $0
    Hours/week
    4
  • Richard Amezcua

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Marcella Serrano-Gomez

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Manuel Bayon

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Michael Baranic

    SUPV CMTE CHAIR

    Total calculated
    $0
    Hours/week
    4
  • Tina Paisley

    SUPV CMTE MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Joel Lara

    SUPV CMTE MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Kevin Posey

    PRESIDENT/CEO

    Total calculated
    $396,165
    From this org
    $362,543
    From related orgs
    $0
    Other
    $33,622
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $311,924
    Bonus
    $17,376
    Other
    $33,243
    Deferred
    $15,532
    Nontaxable benefits
    $18,090
    Filer's total
    $396,165
  • Frankie Duenas

    CTO

    Total calculated
    $295,654
    From this org
    $260,373
    From related orgs
    $0
    Other
    $35,281
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $228,681
    Bonus
    $12,775
    Other
    $18,917
    Deferred
    $14,081
    Nontaxable benefits
    $21,200
    Filer's total
    $295,654
  • Allen Arvizu

    CFO

    Total calculated
    $201,293
    From this org
    $182,312
    From related orgs
    $0
    Other
    $18,981
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $174,686
    Bonus
    $3,126
    Other
    $4,500
    Deferred
    $7,180
    Nontaxable benefits
    $11,801
    Filer's total
    $201,293
  • Bret Hoda

    CRO

    Total calculated
    $149,593
    From this org
    $138,329
    From related orgs
    $0
    Other
    $11,264
    Hours/week
    40
  • Justin Burns

    VP, INFORMATION TECHNOLOGY

    Total calculated
    $186,821
    From this org
    $179,948
    From related orgs
    $0
    Other
    $6,873
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $173,223
    Bonus
    $6,725
    Other
    $0
    Deferred
    $5,201
    Nontaxable benefits
    $1,672
    Filer's total
    $186,821
  • Jeremy Preimesberger

    VP, MARKETING

    Total calculated
    $154,212
    From this org
    $139,955
    From related orgs
    $0
    Other
    $14,257
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $136,558
    Bonus
    $3,397
    Other
    $0
    Deferred
    $6,882
    Nontaxable benefits
    $7,375
    Filer's total
    $154,212
  • Michelle Gardner

    VP, BRANCHES

    Total calculated
    $138,918
    From this org
    $126,667
    From related orgs
    $0
    Other
    $12,251
    Hours/week
    40
  • Kelli Davis

    AVP, RISK & COMPLIANCE

    Total calculated
    $135,356
    From this org
    $116,831
    From related orgs
    $0
    Other
    $18,525
    Hours/week
    40
  • Julia Freitas

    AVP, MEMBER EXPERIENCE

    Total calculated
    $133,082
    From this org
    $110,836
    From related orgs
    $0
    Other
    $22,246
    Hours/week
    40

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
    $27,350,587
    Expenses
    $22,358,878
    Contributions
    $0
    Grants paid
    $76,767
  • 2023
    Revenue
    $19,750,188
    Expenses
    $18,246,752
    Contributions
    $0
    Grants paid
    $71,000
  • 2022
    Revenue
    $17,265,058
    Expenses
    $14,914,266
    Contributions
    $0
    Grants paid
    $0

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.

Other returns filed

  • 2021 · 990

    Revenue
    $15,486,506
    Expenses
    $13,925,693
    Assets (EOY)
    $423,725,270
  • 2020 · 990

    Revenue
    $16,274,606
    Expenses
    $16,709,190
    Assets (EOY)
    $416,519,546
  • 2019 · 990

    Revenue
    $17,859,291
    Expenses
    $15,992,473
    Assets (EOY)
    $333,188,868
  • 2018 · 990

    Revenue
    $14,755,835
    Expenses
    $12,431,883
    Assets (EOY)
    $300,409,471
  • 2017 · 990

    Revenue
    $12,941,777
    Expenses
    $11,895,451
    Assets (EOY)
    $275,446,717
  • 2013 · 990

    Revenue
    $11,597,942
    Expenses
    $9,415,196
    Assets (EOY)
    $206,761,140
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $8,453,405
    Assets (EOY)
    $195,837,100
  • 2011 · 990

    Revenue
    not reported
    Expenses
    $9,538,248
    Assets (EOY)
    $185,036,599
  • 2010 · 990

    Revenue
    not reported
    Expenses
    $12,379,570
    Assets (EOY)
    $173,158,410

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all.

Grants made

  • 2024 TO PROMOTE CONTRIBUTIONS AND COORDINATE GRANT PROGRAMS THAT ASSIST SHARP HEALTHCARE IN MEETING THE HEALTH NEEDS OF SAN DIEGO COMMUNITIES.

  • 2023 TO PROMOTE CONTRIBUTIONS AND COORDINATE GRANT PROGRAMS THAT ASSIST SHARP HEALTHCARE IN MEETING THE HEALTH NEEDS OF SAN DIEGO COMMUNITIES.

  • 2023 TO RESTORE, SUSTAIN AND ENHANCE THE HEALTH AND DEVELOPMENTAL POTENTIAL OF CHILDREN THROUGH EXCELLENCE IN CARE, EDUCATION, RESEARCH AND ADVOCACY.

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

  • Exemption revoked 15 May 2016, reinstated 15 May 2016.

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 registration facts above come from the IRS Business Master File published 13 October 2026 and read 1 November 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.