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NORTH ISLAND FINANCIAL CREDIT UNION

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Public IRS 990 nonprofit record

NORTH ISLAND FINANCIAL CREDIT UNION

EIN 95-1687284

What they do

A COOPERATIVE, ORGANIZED for THE PURPOSE of PROMOTING THRIFT and SAVINGS AMONG ITS MEMBERS. - 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, NORTH ISLAND FINANCIAL 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
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 2016The report may be old. Ask for a newer one.

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

They name their leaders20 people are listed in the latest report.

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

Money made simple

$83.80spent for every $100 of revenueRevenue covered expenses this year.
$26.03in assets for every $1 spent this yearSome assets cannot be spent right away.

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  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 $640,237 for STEPHEN OCONNELL (PRESIDENT/CEO). Compare pay with organizations of similar size and complexity.

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Money

Financial picture

Tax year 2016

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$57,702,150
Expenses$48,355,504
Annual surplus $9,346,646 Revenue was higher than expenses for this filing year.
See all reported dollar amounts
Revenue$57,702,150
Expenses$48,355,504
Assets$1,258,849,048
Grants given$111,610
Average grant$11,161
Stocks and bonds$127,750,882
Accounting fees$126,605
People

Leadership and board

Tax year 2016

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

People reported as paid

Person and titleCompensation
STEPHEN OCONNELLPRESIDENT/CEO · 40 hrs/week $640,237Base $614,880 · Other $25,357
ROBERT OGRADYSVP/COO · 40 hrs/week $365,775Base $353,316 · Other $12,459
HUDSON LEESVP/CFO · 40 hrs/week $359,428Base $332,191 · Other $27,237
DENNIS CARL FEDERICIVP INVESTMENT & INSURANCE · 40 hrs/week $315,609Base $294,902 · Other $20,707
KEVIN CARLSONSVP/CAO (FORMER) · 40 hrs/week $274,063Base $261,993 · Other $12,070
DIANE MADISON-JAMMALSVP/CIO · 40 hrs/week $273,143Base $253,354 · Other $19,789
MIGUEL KASSEMVP MORTGAGE LOAN OFFICER · 40 hrs/week $271,753Base $261,119 · Other $10,634
GREGORY BONDREGISTERED REPRESENTATIVE · 40 hrs/week $227,087Base $211,127 · Other $15,960
JILL FAUCHERVP MARKETING · 40 hrs/week $208,440Base $186,250 · Other $22,190
NANDO BRAGGERVP MORTGAGE LOAN OFFICER · 40 hrs/week $182,375Base $173,433 · Other $8,942
BILL KALEYBOARD MEMBER · 3 hrs/week $866

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 (20)

STEPHEN OCONNELLPRESIDENT/CEO

ROBERT OGRADYSVP/COO

HUDSON LEESVP/CFO

DENNIS CARL FEDERICIVP INVESTMENT & INSURANCE

KEVIN CARLSONSVP/CAO (FORMER)

DIANE MADISON-JAMMALSVP/CIO

MIGUEL KASSEMVP MORTGAGE LOAN OFFICER

GREGORY BONDREGISTERED REPRESENTATIVE

JILL FAUCHERVP MARKETING

NANDO BRAGGERVP MORTGAGE LOAN OFFICER

BILL KALEYBOARD MEMBER

TODD BULICHBOARD MEMBER

SCOTT HERMANTRUSTEE

ROGER MCTIGHETRUSTEE - SECRETARY

REBECCA COLLIERSECRETARY

KIT GARDNERVICE CHAIRPERSON

JEFF STONEFINANCIAL OFFICER

GENE PELLERINCHAIRPERSON

EMMANUEL OLAESTRUSTEE - CHAIR

BOB PLUNKETTBOARD MEMBER

About this charity

Location
PO BOX 85833, SAN DIEGO, CA 921865833
County
San Diego
In care of
HUDSON LEE

How to reach them

Filing and classification

Latest tax year
2016
Tax period began
January 1, 2016
Tax preparer
TURNER WARREN HWANG & CONRAD ACCTCY
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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