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AMERICAN FIRST CREDIT UNION

EIN 33-0358683 BREA, CA

Browse the largest nonprofits in California

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 Cook

    CHAIRPERSON

    Total calculated
    $0
    Hours/week
    1
  • Eric Ledesma

    VICE CHAIRPERSON

    Total calculated
    $0
    Hours/week
    1
  • Jason Philibert

    BOARD TREASURER

    Total calculated
    $889
    From this org
    $889
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Amanda Secola

    BOARD SECRETARY

    Total calculated
    $0
    Hours/week
    1
  • David De Leon

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • David Weed

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Donna Brooks

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Gizi Clemmer

    SUPV CMTE CHAIRPERSON

    Total calculated
    $0
    Hours/week
    1
  • Dolores Medina

    SUPV CMTE VICE CHAIR

    Total calculated
    $0
    Hours/week
    1
  • James Habben

    SUPV CMTE SECRETARY

    Total calculated
    $0
    Hours/week
    1
  • Robert Warkenton

    SUPV CMTE MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Andrei Roudenko

    SUPV CMTE MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Jon 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 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 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 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 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 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 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 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 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 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 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

  • 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.

  • 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.

  • 2024 TO HELP SERVE AND EMPOWER MINORITY YOUTH FROM UNDERSERVED COMMUNITIES TO IMPROVE THEIR LIVES THROUGH EMPLOYMENT AND BUSINESS LEADERSHIP.

  • 2024 TO HELP ALL YOUNG PEOPLE REACH THEIR FULL POTENTIAL AS PRODUCTIVE, CARING, RESPONSIBLE CITIZENS.

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 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.