COMMUNITY FIRST CREDIT UNION Charity Report

Public IRS 990 nonprofit record

COMMUNITY FIRST CREDIT UNION

EIN 94-1541515 · Mutual & Membership Benefit (Y)

What they do

COMMUNITY FIRST CREDIT UNION is A COOPERATIVE, ORGANIZED for THE PURPOSE of PROMOTING THRIFT and SAVINGS 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, COMMUNITY FIRST CREDIT UNION CONDUCTS ITS BUSINESS for THE MUTUAL BENEFIT and GENERAL WELFARE of ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, or SERVICES of THE CREDIT UNION BEING DISTRIBUTED to ITS MEMBERS AS PATRONS.

Before you give

Should I give to this charity?

Easy charity check

Look at where the money went

Of every $100 spent, about $100.00 was reported for mission work. Use the spending picture below and ask what results that work produced.

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 leaders25 people are listed in the latest report.

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

Money made simple

76.72%of revenue went to mission work100.0% of expenses · Program services

$93.46spent for every $100 of revenueRevenue covered expenses this year.

$18.04in assets for every $1 spent this yearSome assets cannot be spent right away.

Ask these three easy questions

Who did you help? Ask for a recent story or report that shows real results.
What will my money do? Ask exactly what your gift will pay for.
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 $726,937 for SCOTT JOHNSON (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.

$100revenue

How each $100 of revenue was used

The large number compares each expense with revenue. The smaller number shows its share of total expenses.

Total reported revenue$36,766,136

Mission workProgram services$28,206,77076.72% of revenue100.0% of expenses

ManagementOffice and general costs0.00% of revenue0.0% of expenses

FundraisingAsking for donations0.00% of revenue0.0% of expenses

Total expenses$28,206,77076.72% of revenue

The uncolored part of the ring is revenue above these reported expenses.

Has the pattern changed?

Each bar shows the share of annual spending reported for mission work, management, and fundraising.

2022100.0% mission

2021100.0% mission

2020100.0% mission

2019100.0% mission

2017100.0% mission

Money in and money out

Revenue$47,791,718

Expenses$44,667,904

Annual surplus $3,123,814 Revenue was higher than expenses for this filing year.

Reported spending amounts

Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.

Mission work (program services)$28,206,770 · 63.1% of expenses

See all reported dollar amounts

Revenue$47,791,718

Expenses$44,667,904

Assets$805,920,075

Income$47,791,718

Mission work (program services)$28,206,770

Grants given$10,000

Average grant$10,000

Stocks and bonds$55,539,431

Accounting fees$199,380

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

SCOTT JOHNSONCEO · 40 hrs/week $726,937Base $665,924 · Other $61,013

FITZGERALD REYESCFO · 40 hrs/week $329,045Base $280,801 · Other $48,244

MONIKA BESANCONCOO · 40 hrs/week $311,550Base $273,966 · Other $37,584

CARY SHUMWAYCLO · 40 hrs/week $274,566Base $250,698 · Other $23,868

ANDREW DICKHUTCMO · 40 hrs/week $258,282Base $225,991 · Other $32,291

CHRISTOPHER KRAEMERCIO · 40 hrs/week $197,282Base $159,415 · Other $37,867

JOHN PETERSONAVP BRANCH INFRASTRUCTURE · 40 hrs/week $191,239Base $157,600 · Other $33,639

MARIO CARRANZAVP CONSUMER LENDING · 40 hrs/week $189,583Base $171,195 · Other $18,388

SARA GRIGGSCPO · 40 hrs/week $187,606Base $158,791 · Other $28,815

KATRICE COLLINSVP MORTGAGE LENDING · 40 hrs/week $176,336Base $167,393 · Other $8,943

MARGARET MCCAULEYAVP FINANCE · 40 hrs/week $169,339Base $140,702 · Other $28,637

ROSARIO HEXTVP DIGITAL BANKING · 40 hrs/week $141,737

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 (25)

SCOTT JOHNSONCEO

FITZGERALD REYESCFO

MONIKA BESANCONCOO

CARY SHUMWAYCLO

ANDREW DICKHUTCMO

CHRISTOPHER KRAEMERCIO

JOHN PETERSONAVP BRANCH INFRASTRUCTURE

MARIO CARRANZAVP CONSUMER LENDING

SARA GRIGGSCPO

KATRICE COLLINSVP MORTGAGE LENDING

MARGARET MCCAULEYAVP FINANCE

ROSARIO HEXTVP DIGITAL BANKING

ZHAO CHO QIUSUPV CMTE CHAIR

TINA RIVERADIRECTOR

ROY DAJALOSSUPV CMTE SECRETARY

MEDHANE KIDANEDIRECTOR

MARRIANNE MCBRIDEVICE CHAIR

KRISTEN MADSENDIRECTOR

KATHLEEN DE CHADENEDESSUPV CMTE MEMBER

JENNIFER WEISSDIRECTOR

JASON SCOTTSECRETARY

DAVID WILLIAMSSUPV CMTE MEMBER

CHRISTINE HAGGARTYSUPV CMTE MEMBER

CAROLYN WELCHCHAIR

BRIAN COCHRANTREASURER

About this charity

Recognized since: January 1961
Location: 1105 N DUTTON AVE, SANTA ROSA, CA 95401
County: Sonoma
In care of: FITZGERALD REYES
Primary officer: FITZGERALD REYES, CFO

How to reach them

WebsiteVisit the charity’s website Emailinfo@comfirstcu.org Phone(707) 543-2639

Filing and classification

Latest tax year: 2024
Tax period began: January 1, 2024
Return type: 990
Tax preparer: TURNER WARREN HWANG & CONRAD ACCTCY
NTEE classification: Mutual & Membership Benefit (Y)
IRS tax category: Mutual & Membership Benefit
Grant-giving organization: Yes