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CREDIT UNIONS IN THE STATE OF

EIN 95-1209332 SAN DIEGO, CA

Revenue 2025
$52,021,404
Expenses 2025
$49,658,795

As filed

Subsection
14
Classification
1000
Street
10120 PACIFIC HEIGHTS BLVD STE 100

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 · 2025

As listed in Part VII of the 2025 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • MATT ADAMS

    CHAIR

    Total calculated
    $0
    Hours/week
    3

  • MIKE DANIELS

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • DAVID ELY

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • HARRY LE GRANDE

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • YVONNE MARSH

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • LES OVERMAN

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • BEVERLY RANDEZ

    VICE CHAIR

    Total calculated
    $0
    Hours/week
    3

  • TODD THARP

    PRESIDENT/CEO

    Total calculated
    $840,118
    From this org
    $789,199
    From related orgs
    $0
    Other
    $50,919
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $566,107
    Bonus
    $0
    Other
    $223,092
    Deferred
    $15,568
    Nontaxable benefits
    $35,351
    Filer's total
    $840,118

  • JOHN STEVENSON

    SVP/CFO/SECRETARY

    Total calculated
    $319,666
    From this org
    $305,537
    From related orgs
    $0
    Other
    $14,129
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $260,000
    Bonus
    $20,954
    Other
    $24,583
    Deferred
    $14,048
    Nontaxable benefits
    $81
    Filer's total
    $319,666

  • KAREN SMITH

    SVP/CHIEF CREDIT OFFICER

    Total calculated
    $311,419
    From this org
    $277,502
    From related orgs
    $0
    Other
    $33,917
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $232,452
    Bonus
    $19,547
    Other
    $25,503
    Deferred
    $10,578
    Nontaxable benefits
    $23,339
    Filer's total
    $311,419

  • CHARLES WILLIAMS

    SVP/CHIEF RISK OFFICER

    Total calculated
    $302,545
    From this org
    $257,926
    From related orgs
    $0
    Other
    $44,619
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $213,616
    Bonus
    $19,547
    Other
    $24,763
    Deferred
    $11,113
    Nontaxable benefits
    $33,506
    Filer's total
    $302,545

  • RISHI DAVE

    VP ENTERPRISE TECH. & ARCHITECTURE

    Total calculated
    $294,256
    From this org
    $250,475
    From related orgs
    $0
    Other
    $43,781
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $221,842
    Bonus
    $10,000
    Other
    $18,633
    Deferred
    $12,840
    Nontaxable benefits
    $30,941
    Filer's total
    $294,256

  • GLORIA NUNES

    VP/CHIEF PEOPLE OFFICER

    Total calculated
    $222,846
    From this org
    $199,436
    From related orgs
    $0
    Other
    $23,410
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $172,330
    Bonus
    $12,373
    Other
    $14,733
    Deferred
    $10,046
    Nontaxable benefits
    $13,364
    Filer's total
    $222,846

  • ANDREW JUDGE

    VP INTERNAL AUDIT

    Total calculated
    $205,180
    From this org
    $185,221
    From related orgs
    $0
    Other
    $19,959
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $181,161
    Bonus
    $3,000
    Other
    $1,060
    Deferred
    $9,208
    Nontaxable benefits
    $10,751
    Filer's total
    $205,180

  • CHRIS DE JESUS

    VP CORE APPLICATION EFFICIENCY & EFFECTIVENESS

    Total calculated
    $188,445
    From this org
    $170,155
    From related orgs
    $0
    Other
    $18,290
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $160,092
    Bonus
    $3,000
    Other
    $7,063
    Deferred
    $7,539
    Nontaxable benefits
    $10,751
    Filer's total
    $188,445

  • CASEY CHRISTIAN

    DIRECTOR INFORMATION SECURITY

    Total calculated
    $182,950
    From this org
    $174,283
    From related orgs
    $0
    Other
    $8,667
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $173,331
    Bonus
    $0
    Other
    $952
    Deferred
    $8,667
    Nontaxable benefits
    $0
    Filer's total
    $182,950

  • NARA HARTMANN

    VP OF LEGAL/COMPLIANCE/RISK

    Total calculated
    $177,337
    From this org
    $167,397
    From related orgs
    $0
    Other
    $9,940
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $152,787
    Bonus
    $12,500
    Other
    $2,110
    Deferred
    $8,326
    Nontaxable benefits
    $1,614
    Filer's total
    $177,337

  • RYAN HARRIS

    SOFTWARE ENGINEERING & DEVELOPMENT MANAGER

    Total calculated
    $173,916
    From this org
    $155,441
    From related orgs
    $0
    Other
    $18,475
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $151,500
    Bonus
    $0
    Other
    $3,941
    Deferred
    $7,724
    Nontaxable benefits
    $10,751
    Filer's total
    $173,916

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

  • 2025
    Revenue
    $52,021,404
    Expenses
    $49,658,795
    Contributions
    $0
    Grants paid
    $60,000
  • 2024
    Revenue
    $63,463,155
    Expenses
    $69,940,609
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $62,378,718
    Expenses
    $60,114,609
    Contributions
    $0
    Grants paid
    $20,700
  • 2022
    Revenue
    $46,015,710
    Expenses
    $42,732,849
    Contributions
    $0
    Grants paid
    $6,500

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

Where these grants went next →

Grants received

Related organizations

From Schedule R Part II, where a filer lists the tax-exempt organizations it is related to by control. It does not record shared board members or money.

Declared on its 2025 return

Taxable family

From Schedule R Parts I, III and IV: entities that legally are the filer, and taxable partnerships, corporations and trusts it is related to. These record ownership and control, not shared board members or money.

Disregarded entities on its 2025 return

  • USE FINANCIAL SERVICES LLC

    FINANCIAL SERVICES (INACTIVE) · CA · income $0 · assets $0

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 2025, the newest we have parsed for this organization.