- Revenue 2025
- $62,518,082
- Expenses 2025
- $57,711,196
As filed
- Subsection
- 14
- Classification
- 1000
- Street
- 6 POINTE DR STE 400
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.
Mission and programs · 2025
Mission
A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT ANDSAVINGS 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, AMERICAN FIRST CREDIT UNION CONDUCTSITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITSMEMBERS 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.
-
ACHIEVEMENT OF MEMBER SATISFACTION IN CONNECTION WITH SERVICES PERTAINING TO CHECKING/SAVINGS ACCOUNTS, ATTRACTIVE CD RATES, IRA AND SIMILAR ACCOUNTS.
-
ACHIEVEMENT OF SATISFACTORY SERVICES PROVIDED TO MEMBERS IN CONNECTION WITH CONSUMER AND REAL ESTATE LOANS, I.E., AUTO LOANS, MASTERCARD, 1ST MORTGAGES, PERSONAL LINES OF CREDIT, 2ND MORTGAGES, HOME EQUITY LINES OF CREDIT, AND COMMERCIAL REAL ESTATE.
-
ACHIEVEMENT OF SATISFACTORY SERVICES PROVIDED TO MEMBERS IN CONNECTION WITH OUR LONG TERM COMMITMENT TO HELP OUR MEMBERS REACH THEIR FINANCIAL GOALS. THE ORGANIZATION HAS ALSO CREATED A PRIZE LINKED SAVINGS ACCOUNT IN WHICH IT PAYS INTEREST LIKE A SAVINGS ACCOUNT AND MEMBERS WHO MEET MINIMUM QUALIFICATIONS ARE ENTERED INTO 3 DRAWINGS. MONTHLY - $1,000 PRIZE, QUARTERLY - $10,000 PRIZE AND ANNUALLY - $50,000 PRIZE.
As filed on the 2025 return. The filer continues this part on Schedule O, which is not shown here.
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.
-
Tom CookTOM COOK
CHAIRPERSON
- Total calculated
- $0
- Hours/week
- 1
-
Eric LedesmaERIC LEDESMA
VICE CHAIRPERSON
- Total calculated
- $0
- Hours/week
- 1
-
Jason PhilibertJASON PHILIBERT
BOARD TREASURER
- Total calculated
- $889
- From this org
- $889
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Amanda SecolaAMANDA SECOLA
BOARD SECRETARY
- Total calculated
- $0
- Hours/week
- 1
-
David De LeonDAVID DE LEON
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
David WeedDAVID WEED
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Donna BrooksDONNA BROOKS
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Gizi ClemmerGIZI CLEMMER
SUPV CMTE CHAIRPERSON
- Total calculated
- $0
- Hours/week
- 1
-
Dolores MedinaDOLORES MEDINA
SUPV CMTE VICE CHAIR
- Total calculated
- $0
- Hours/week
- 1
-
James HabbenJAMES HABBEN
SUPV CMTE SECRETARY
- Total calculated
- $0
- Hours/week
- 1
-
Robert WarkentonROBERT WARKENTON
SUPV CMTE MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Andrei RoudenkoANDREI ROUDENKO
SUPV CMTE MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Jon ShigematsuJON SHIGEMATSU
CEO/PRESIDENT
- Total calculated
- $712,288
- From this org
- $648,264
- From related orgs
- $0
- Other
- $64,024
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $544,701
- Bonus
- $78,757
- Other
- $24,806
- Deferred
- $15,750
- Nontaxable benefits
- $48,274
- Filer's total
- $712,288
-
Frank BorawskiFRANK BORAWSKI
CFO
- Total calculated
- $323,714
- From this org
- $312,969
- From related orgs
- $0
- Other
- $10,745
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $272,729
- Bonus
- $40,000
- Other
- $240
- Deferred
- $10,745
- Nontaxable benefits
- $0
- Filer's total
- $323,714
-
Theresa DavyTHERESA DAVY
COO
- Total calculated
- $373,195
- From this org
- $335,326
- From related orgs
- $0
- Other
- $37,869
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $289,269
- Bonus
- $40,000
- Other
- $6,057
- Deferred
- $15,262
- Nontaxable benefits
- $22,607
- Filer's total
- $373,195
-
Robert FarringtonROBERT FARRINGTON
SVP COMMERCIAL REAL ESTATE
- Total calculated
- $372,081
- From this org
- $309,121
- From related orgs
- $0
- Other
- $62,960
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $267,927
- Bonus
- $40,000
- Other
- $1,194
- Deferred
- $16,277
- Nontaxable benefits
- $46,683
- Filer's total
- $372,081
-
Paul WelchPAUL WELCH
SVP OF RISK MANAGEMENT
- Total calculated
- $287,245
- From this org
- $277,196
- From related orgs
- $0
- Other
- $10,049
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $218,500
- Bonus
- $40,000
- Other
- $18,696
- Deferred
- $9,089
- Nontaxable benefits
- $960
- Filer's total
- $287,245
-
Michael WilliamsMICHAEL WILLIAMS
VP OF CONSUMER LENDING
- Total calculated
- $279,868
- From this org
- $250,189
- From related orgs
- $0
- Other
- $29,679
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $196,146
- Bonus
- $34,000
- Other
- $20,043
- Deferred
- $9,479
- Nontaxable benefits
- $20,200
- Filer's total
- $279,868
-
Victor GallegoVICTOR GALLEGO
COMMERCIAL RE LOAN OFFICER
- Total calculated
- $319,283
- From this org
- $264,987
- From related orgs
- $0
- Other
- $54,296
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $71,818
- Bonus
- $193,131
- Other
- $38
- Deferred
- $10,629
- Nontaxable benefits
- $43,667
- Filer's total
- $319,283
-
Jeremy JorgensenJEREMY JORGENSEN
COMMERCIAL RE LOAN OFFICER
- Total calculated
- $264,318
- From this org
- $239,742
- From related orgs
- $0
- Other
- $24,576
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $81,216
- Bonus
- $155,782
- Other
- $2,744
- Deferred
- $10,847
- Nontaxable benefits
- $13,729
- Filer's total
- $264,318
-
Francisco CasasFRANCISCO CASAS
SR LOSS MIT RECOVERY OFFICER
- Total calculated
- $205,965
- From this org
- $191,308
- From related orgs
- $0
- Other
- $14,657
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $169,271
- Bonus
- $21,803
- Other
- $234
- Deferred
- $4,591
- Nontaxable benefits
- $10,066
- Filer's total
- $205,965
-
Michael PepinMICHAEL PEPIN
VP DELIVERY & TECHNOLOGY
- Total calculated
- $197,718
- From this org
- $180,379
- From related orgs
- $0
- Other
- $17,339
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $160,588
- Bonus
- $6,000
- Other
- $13,791
- Deferred
- $8,087
- Nontaxable benefits
- $9,252
- Filer's total
- $197,718
-
William HuffWILLIAM HUFF
SUPV DELIVERY & TECH OPS/DEVELOPMENT
- Total calculated
- $192,761
- From this org
- $167,139
- From related orgs
- $0
- Other
- $25,622
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $151,512
- Bonus
- $6,000
- Other
- $9,627
- Deferred
- $714
- Nontaxable benefits
- $24,908
- Filer's total
- $192,761
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
- $62,518,082
- Expenses
- $57,711,196
- Contributions
- $0
- Grants paid
- $76,290
-
2024
- Revenue
- $54,783,936
- Expenses
- $52,857,171
- Contributions
- $0
- Grants paid
- $58,635
-
2023
- Revenue
- $50,130,393
- Expenses
- $47,320,136
- Contributions
- $0
- Grants paid
- $31,862
-
2022
- Revenue
- $38,362,006
- Expenses
- $31,819,977
- Contributions
- $0
- Grants paid
- $42,375
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
- $36,268,439
- Expenses
- $28,075,649
- Assets (EOY)
- $842,360,435
-
2020 · 990
- Revenue
- $37,159,710
- Expenses
- $33,585,267
- Assets (EOY)
- $817,836,025
-
2019 · 990
- Revenue
- $38,269,645
- Expenses
- $32,726,314
- Assets (EOY)
- $783,769,691
-
2018 · 990
- Revenue
- $37,408,974
- Expenses
- $28,880,308
- Assets (EOY)
- $782,981,054
-
2017 · 990
- Revenue
- $29,688,125
- Expenses
- $24,972,375
- Assets (EOY)
- $734,890,873
-
2016 · 990
- Revenue
- $26,641,075
- Expenses
- $21,761,890
- Assets (EOY)
- $658,176,498
-
2015 · 990
- Revenue
- $23,316,024
- Expenses
- $19,431,223
- Assets (EOY)
- $557,237,162
-
2014 · 990
- Revenue
- $23,158,648
- Expenses
- $18,168,895
- Assets (EOY)
- $497,684,172
-
2013 · 990
- Revenue
- $27,337,853
- Expenses
- $18,223,962
- Assets (EOY)
- $495,836,836
-
2012 · 990
- Revenue
- not reported
- Expenses
- $22,469,925
- Assets (EOY)
- $503,396,963
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. Showing the 10 most recent; the API carries the rest.
Grants made
-
BOYS & GIRLS CLUB OF FULLERTON
$12,500
2025 TO HELP ALL YOUNG PEOPLE REACH THEIR FULL POTENTIAL AS PRODUCTIVE, CARING, RESPONSIBLE CITIZENS.
-
2025 TO PROVIDE SUPPORT AND SERVICES TO INDIVIDUALS AND FAMILIES IN NEED, WITH A FOCUS ON ADDRESSING VARIOUS CHALLENGES LIKE DEVELOPMENTAL DISABILITIES, ADDICTION, AND HOMELESSNESS.
-
$10,000
2025 TO HELP SERVE AND EMPOWER MINORITY YOUTH FROM UNDERSERVED COMMUNITIES TO IMPROVE THEIR LIVES THROUGH EMPLOYMENT AND BUSINESS LEADERSHIP.
-
2024 TO PROVIDE SUPPORT AND SERVICES TO INDIVIDUALS AND FAMILIES IN NEED, WITH A FOCUS ON ADDRESSING VARIOUS CHALLENGES LIKE DEVELOPMENTAL DISABILITIES, ADDICTION, AND HOMELESSNESS.
-
$7,500
2024 TO HELP SERVE AND EMPOWER MINORITY YOUTH FROM UNDERSERVED COMMUNITIES TO IMPROVE THEIR LIVES THROUGH EMPLOYMENT AND BUSINESS LEADERSHIP.
-
$7,500
2024 TO HELP ALL YOUNG PEOPLE REACH THEIR FULL POTENTIAL AS PRODUCTIVE, CARING, RESPONSIBLE CITIZENS.
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 registration facts above come from the IRS Business Master File published 9 November 2026 and read 9 November 2026, for every organization at once. Returns through tax year 2025, the newest we have parsed for this organization.