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1ST UNITED CREDIT UNION

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Public IRS 990 nonprofit record

1ST UNITED CREDIT UNION

EIN 94-0335800 · Mutual & Membership Benefit (Y)

What they do

AT 1ST UNITED CREDIT UNION, WE ARE KNOWN IN THE COMMUNITY for OUR FINANCIAL EDUCATION PROGRAM. THE CREDIT UNION OFFERS FINANCIAL EDUCATION and FRAUD PREVENTION SEMINARS ON-SITE AT LOCAL SCHOOLS and OTHER COMMUNITY MEETING PLACES, and SELF-STUDY MATERIALS ON OUR WEBSITE AT 1STUNITEDCU.ORG.

Before you give

Should I give to this charity?

Easy charity check
We do not have enough spending detail

Basic public information is available, but it is not enough to judge how well donations are used. Ask the charity for a current spending breakdown and results.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2024The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders28 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

$87.04spent for every $100 of revenueRevenue covered expenses this year.
$23.01in assets for every $1 spent this yearSome assets cannot be spent right away.

Ask these three easy questions

  1. Who did you help? Ask for a recent story or report that shows real results.
  2. What will my money do? Ask exactly what your gift will pay for.
  3. Is this really the charity? Give only through its official website or confirmed phone number.

Pay context: The highest compensation shown in this filing is $655,353 for STEPHEN STONE (CEO). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2024

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

Money in and money out

Revenue$60,536,741
Expenses$52,689,454
Annual surplus $7,847,287 Revenue was higher than expenses for this filing year.
See all reported dollar amounts
Revenue$60,536,741
Expenses$52,689,454
Assets$1,212,275,788
Income$60,536,741
Grants given$141,166
Average grant$10,859
Stocks and bonds$235,092,539
Accounting fees$127,560
Investing fees$50,510
People

Leadership and board

Tax year 2024

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation
STEPHEN STONECEO · 40 hrs/week $655,353Base $620,594 · Other $34,759
TOSHA EAGLES-WILLIAMSCLO · 40 hrs/week $325,864Base $294,897 · Other $30,967
DERRICK FORTIERCRO · 40 hrs/week $318,219Base $266,531 · Other $51,688
JOANNA UHLCIO · 40 hrs/week $317,888Base $272,053 · Other $45,835
GANGA RADHAKRISHNANCFO · 40 hrs/week $311,777Base $291,571 · Other $20,206
SARAH CECCHINSVP MARKETING & COMMUNICATIONS · 40 hrs/week $232,052Base $193,983 · Other $38,069
CHARLENE A ALMERIAVP FINANCE & ACCOUNTING · 40 hrs/week $226,236Base $193,616 · Other $32,620
JAMES SANTIAGOVP IT · 40 hrs/week $210,397Base $186,040 · Other $24,357
LYNN DIGNONDIRECTOR OF PROJECT MANAGEMENT · 40 hrs/week $208,100Base $165,061 · Other $43,039
CHRISTOPHER FOXVP ENTERPRISE APPLICATIONS · 40 hrs/week $206,486Base $190,298 · Other $16,188
GOLDMAN LEEVP RETAIL SALES & EXPERIENCE · 40 hrs/week $204,972Base $162,080 · Other $42,892
STEVEN J SCHIRODIRECTOR OF DEVELOPMENT · 40 hrs/week $198,059Base $175,172 · Other $22,887

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (28)

STEPHEN STONECEO

TOSHA EAGLES-WILLIAMSCLO

DERRICK FORTIERCRO

JOANNA UHLCIO

GANGA RADHAKRISHNANCFO

SARAH CECCHINSVP MARKETING & COMMUNICATIONS

CHARLENE A ALMERIAVP FINANCE & ACCOUNTING

JAMES SANTIAGOVP IT

LYNN DIGNONDIRECTOR OF PROJECT MANAGEMENT

CHRISTOPHER FOXVP ENTERPRISE APPLICATIONS

GOLDMAN LEEVP RETAIL SALES & EXPERIENCE

STEVEN J SCHIRODIRECTOR OF DEVELOPMENT

SHERYON HILL-SAVAGEVP ASSET RECOVERY

BERNADETTE OSORIOVP INDIRECT LENDING

JEANNIE SUGAOKAVP COMPLIANCE AND RISK MANAGEMENT

WILFREDO DELA CRUZVP LENDING

MIKIKO HIRUTAVP HUMAN RESOURCES

VERONICA RODRIGUEZCHRO

LYNELL FRALEYCHRO

CYRIL BONANNOSECRETARY

VELETA SAVANNAHBOD MEMBER

STEVE MANNINGVICE CHAIRPERSON

PATRICK OCONNELLBOD MEMBER

JOAN JOHNSONBOD MEMBER

TERESITA LAUIGANTREASURER

KEVIN POWERSBOD MEMBER

HOWARD GARRIGANBOD MEMBER

DAVE MACDONALDCHAIRPERSON

About this charity

Recognized since
January 1961
Location
PO BOX 11746, PLEASANTON, CA 94588
County
Alameda
In care of
STEPHEN M STONE
Primary officer
STEPHEN M STONE, PRESIDENT/CEO

How to reach them

Filing and classification

Latest tax year
2024
Tax period began
January 1, 2024
Return type
990
Tax preparer
DOEREN MAYHEW
NTEE classification
Mutual & Membership Benefit (Y)
IRS tax category
Mutual & Membership Benefit
Grant-giving organization
Yes

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About this report: Information comes from public nonprofit records and may show the latest filing available.

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