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CREDIT UNIONS IN THE STATE OF

EIN 95-1209332 SAN DIEGO, CA

Revenue 2024
$63,463,155
Expenses 2024
$69,940,609

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 · 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.

  • 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

  • JOSHUA LAWRENCE

    FORMER CHAIR

    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
    $892,780
    From this org
    $840,268
    From related orgs
    $0
    Other
    $52,512
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $562,566
    Bonus
    $83,475
    Other
    $194,227
    Deferred
    $15,517
    Nontaxable benefits
    $36,995
    Filer's total
    $892,780

  • JOHN STEVENSON

    SVP/CFO/SECRETARY

    Total calculated
    $244,102
    From this org
    $239,534
    From related orgs
    $0
    Other
    $4,568
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $219,000
    Bonus
    $0
    Other
    $20,534
    Deferred
    $4,500
    Nontaxable benefits
    $68
    Filer's total
    $244,102

  • MATTHEW LYONS

    FORMER EVP/CHIEF OPERATING OFFICER

    Total calculated
    $178,956
    From this org
    $174,870
    From related orgs
    $0
    Other
    $4,086
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $53,598
    Bonus
    $0
    Other
    $121,272
    Deferred
    $0
    Nontaxable benefits
    $4,086
    Filer's total
    $178,956

  • CHARLES WILLIAMS

    SVP/CHIEF RISK OFFICER

    Total calculated
    $303,414
    From this org
    $266,263
    From related orgs
    $0
    Other
    $37,151
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $216,590
    Bonus
    $22,660
    Other
    $27,013
    Deferred
    $11,779
    Nontaxable benefits
    $25,372
    Filer's total
    $303,414

  • KAREN SMITH

    SVP/CHIEF CREDIT OFFICER

    Total calculated
    $303,618
    From this org
    $271,363
    From related orgs
    $0
    Other
    $32,255
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $218,711
    Bonus
    $0
    Other
    $52,652
    Deferred
    $10,280
    Nontaxable benefits
    $21,975
    Filer's total
    $303,618

  • RISHI DAVE

    VP ENTERPRISE TECH. & ARCHITECTURE

    Total calculated
    $277,759
    From this org
    $233,051
    From related orgs
    $0
    Other
    $44,708
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $215,209
    Bonus
    $0
    Other
    $17,842
    Deferred
    $12,018
    Nontaxable benefits
    $32,690
    Filer's total
    $277,759

  • GLORIA NUNES

    VP/CHIEF PEOPLE OFFICER

    Total calculated
    $206,274
    From this org
    $183,199
    From related orgs
    $0
    Other
    $23,075
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $170,986
    Bonus
    $0
    Other
    $12,213
    Deferred
    $9,249
    Nontaxable benefits
    $13,826
    Filer's total
    $206,274

  • VITO ZERILLI

    SVP/CHIEF EXPERIENCE OFFICER

    Total calculated
    $236,330
    From this org
    $213,351
    From related orgs
    $0
    Other
    $22,979
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $209,544
    Bonus
    $0
    Other
    $3,807
    Deferred
    $10,519
    Nontaxable benefits
    $12,460
    Filer's total
    $236,330

  • MELVINREY DE GUZMAN

    FORMER VP REAL ESTATE & CAPITAL MARKETS

    Total calculated
    $276,143
    From this org
    $254,067
    From related orgs
    $0
    Other
    $22,076
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $152,645
    Bonus
    $0
    Other
    $101,422
    Deferred
    $11,163
    Nontaxable benefits
    $10,913
    Filer's total
    $276,143

  • ANDREW JUDGE

    VP INTERNAL AUDIT

    Total calculated
    $190,255
    From this org
    $150,503
    From related orgs
    $0
    Other
    $39,752
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $149,765
    Bonus
    $0
    Other
    $738
    Deferred
    $7,853
    Nontaxable benefits
    $31,899
    Filer's total
    $190,255

  • JAMES CREED

    VP OF OPERATIONS/PAYMENTS

    Total calculated
    $188,754
    From this org
    $169,067
    From related orgs
    $0
    Other
    $19,687
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $163,643
    Bonus
    $0
    Other
    $5,424
    Deferred
    $6,776
    Nontaxable benefits
    $12,911
    Filer's total
    $188,754

  • NARA HARTMANN

    VP OF LEGAL/COMPLIANCE/RISK

    Total calculated
    $165,500
    From this org
    $155,988
    From related orgs
    $0
    Other
    $9,512
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $145,874
    Bonus
    $8,000
    Other
    $2,114
    Deferred
    $7,773
    Nontaxable benefits
    $1,739
    Filer's total
    $165,500

  • CHRIS DE JESUS

    VP CORE APPLICATION EFFICIENCY

    Total calculated
    $175,267
    From this org
    $156,126
    From related orgs
    $0
    Other
    $19,141
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $155,477
    Bonus
    $0
    Other
    $649
    Deferred
    $7,790
    Nontaxable benefits
    $11,351
    Filer's total
    $175,267

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
    $63,463,155
    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

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 2024 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 2024, the newest we have parsed for this organization.