TY 2025 Form 990

- TIN:

Form990

Department of the TreasuryInternal Revenue Service

Return of Organization Exempt From Income Tax

Under section 501(c), 527, or 4947(a)(1) of the Internal Revenue Code (except private foundations)

Do not enter social security numbers on this form as it may be made public.

Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

2025

Open to Public Inspection

A For the 2025 calendar year, or tax year beginning 01-01-2025 , and ending 12-31-2025

BCheck if applicable: Address change Name change Initial return Final return/terminated Amended return Application pending

CName of organization
CALIFORNIA CREDIT UNION

Doing business as

Number and street (or P.O. box if mail is not delivered to street address)
701 NORTH BRAND BLVD 7TH FLOOR

Room/suite

City or town, state or province, country, and ZIP or foreign postal code
GLENDALE, CA91203

D Employer identification number

95-0951410

E Telephone number

G Gross receipts $ 260,469,150

F Name and address of principal officer:
MARK LOVEWELL
701 NORTH BRAND BLVD 7TH FLOOR
GLENDALE,CA91203

Tax-exempt status: 501(c)(3) 501(c) ( 14 ) (insert no.) 4947(a)(1) or 527

Website:

WWW.CALIFORNIACU.ORG

H(a)

Is this a group return for
subordinates? Yes No

H(b)

Are all subordinates
included?

Yes No

If "No," attach a list. See instructions.

H(c)

Group exemption number

K Form of organization: Corporation Trust Association Other CREDIT UNION

L Year of formation: 1939

M State of legal domicile: CA

Part I

Summary

1	Briefly describe the organization’s mission or most significant activities: A COOPERATIVE ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS.
2	Check this box
3	Number of voting members of the governing body (Part VI, line 1a) ........	3	7
4	Number of independent voting members of the governing body (Part VI, line 1b) .....	4	7
5	Total number of individuals employed in calendar year 2025 (Part V, line 2a) ......	5	636
6	Total number of volunteers (estimate if necessary) .............	6	14
7a	Total unrelated business revenue from Part VIII, column (C), line 12 ........	7a	925,157
b	Net unrelated business taxable income from Form 990-T, Part I, line 11 .........	7b	0

		Prior Year	Current Year
8	Contributions and grants (Part VIII, line 1h) .........	0	0
9	Program service revenue (Part VIII, line 2g) .........	175,044,055	192,007,262
10	Investment income (Part VIII, column (A), lines 3, 4, and 7d ) ....	54,513,308	43,297,232
11	Other revenue (Part VIII, column (A), lines 5, 6d, 8c, 9c, 10c, and 11e)	13,996,937	25,164,656
12	Total revenue—add lines 8 through 11 (must equal Part VIII, column (A), line 12)	243,554,300	260,469,150
13	Grants and similar amounts paid (Part IX, column (A), lines 1–3 )...	123,409	362,027
14	Benefits paid to or for members (Part IX, column (A), line 4).....	0	0
15	Salaries, other compensation, employee benefits (Part IX, column (A), lines 5–10)	64,331,687	67,011,735
16a	Professional fundraising fees (Part IX, column (A), line 11e) .....	0	0
b	Total fundraising expenses (Part IX, column (D), line 25) 0
17	Other expenses (Part IX, column (A), lines 11a–11d, 11f–24e)....	158,839,449	161,548,877
18	Total expenses. Add lines 13–17 (must equal Part IX, column (A), line 25)	223,294,545	228,922,639
19	Revenue less expenses. Subtract line 18 from line 12.......	20,259,755	31,546,511
		Beginning of Current Year	End of Year
20	Total assets (Part X, line 16).............	5,046,381,674	0
21	Total liabilities (Part X, line 26).............	4,731,970,434	0
22	Net assets or fund balances. Subtract line 21 from line 20.....	314,411,240	0

Part II

Signature Block

Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct, and complete. Declaration of preparer (other than officer) is based on all information of which preparer has any knowledge.

Sign Here

	Signature of officer	Date

	Type or print name and title

Paid Preparer Use Only

Print/Type preparer's name

Preparer's signature

Date

Check if
self-employed

PTIN

Firm's name

Firm's EIN

Firm's address

Phone no.

May the IRS discuss this return with the preparer shown above? See Instructions. ..........YesNo

For Paperwork Reduction Act Notice, see the separate instructions.

Cat. No. 11282Y Form 990 (2025)

Form 990 (2025)

Page 2

Part III

Statement of Program Service Accomplishments

Check if Schedule O contains a response or note to any line in this Part III..............

Briefly describe the organization’s mission: 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, CALIFORNIA 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.

Did the organization undertake any significant program services during the year which were not listed on
the prior Form 990 or 990-EZ? ..................... Yes No

If "Yes," describe these new services on Schedule O.

Did the organization cease conducting, or make significant changes in how it conducts, any program
services? ........................... Yes No

If "Yes," describe these changes on Schedule O.

Describe the organization’s program service accomplishments for each of its three largest program services, as measured by expenses. Section 501(c)(3) and 501(c)(4) organizations are required to report the amount of grants and allocations to others, the total expenses, and revenue, if any, for each program service reported.


4a	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )
	WE CONCLUDED ANOTHER SUCCESSFUL YEAR SERVING OUR MEMBERS IN 2025.

4b	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )
	AT CALIFORNIA CREDIT UNION, WE WERE PROUD TO CONTINUE SUPPORTING OUR MEMBERS AND COMMUNITIES BY HELPING THEM ACHIEVE THEIR FINANCIAL GOALS. ADDING NEW MEMBER VALUE HAS ALWAYS BEEN A KEY PRIORITY AND WE CONTINUED TO DELIVER AS WE WERE ONCE AGAIN CERTIFIED AS A COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI), A DESIGNATION ONLY GIVEN TO ORGANIZATIONS PROVEN TO PROVIDE FINANCIAL SERVICES IN COMMUNITIES THAT HAVE HISTORICALLY LACKED ACCESS TO TRADITIONAL BANKING SERVICES. WE CONTINUED TO OFFER OUR BANK ON CHECKING ACCOUNT WHICH IS A SAFE BANKING SOLUTION DESIGNED FOR PROSPECTIVE MEMBERS WHO MAY NOT QUALIFY FOR OTHER CHECKING ACCOUNT TYPES DUE TO THEIR PAST BANKING HISTORY AT OTHER FINANCIAL INSTITUTIONS. THIS PRODUCT IS FEATURED ON THE NATIONAL BANK ON WEBSITE, WHICH PROVIDES A DIRECT LINK TO OUR WEBSITE. IN 2025, OUR FINANCIAL LITERACY PROGRAMS REACHED 60,000 PROVIDING 40 FINANCIAL EDUCATION MODULES TO ALL MEMBERS AND WEBSITE VISITORS FOR FREE AS WELL AS OFFERING FINANCIAL LITERACY PROGRAMS IN PARTNERSHIP WITH GREENPATH FINANCIAL WELLNESS AND A BITE OF REALITY.

4c	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )
	CALIFORNIA CREDIT UNION REMAINED COMMITTED TO SUPPORTING OUR COMMUNITIES BY INVESTING OVER $815,000 INTO NEW PARTNERSHIPS, EMPLOYEE VOLUNTEERISM AND INDUSTRY ADVOCACY OPPORTUNITIES. IN 2025, OUR EMPLOYEES SERVED AS VOLUNTEERS ON 21 EDUCATION AND COMMUNITY FOUNDATION BOARDS ACROSS SOUTHERN CALIFORNIA. AND, OUR STAFF CAME TOGETHER TO SUPPORT OPERATION GRATITUDE PUTTING TOGETHER CARE PACKAGES TO SUPPORT OUR MILITARY AND FIRST RESPONDERS, MARCH IN THE SAN DIEGO PRIDE FESTIVAL, DISTRIBUTE SCHOOL SUPPLIES, AND MUCH MORE.

4d	Other program services (Describe in Schedule O.)
	(Expenses $ including grants of $ ) (Revenue $ )
4e	Total program service expenses

Form 990 (2025)

Page 3

Part IV

Checklist of Required Schedules

Yes

Is the organization described in section 501(c)(3) or 4947(a)(1) (other than a private foundation)? If "Yes," complete Schedule A.....................

Is the organization required to complete Schedule B, Schedule of Contributors? See instructions. ...

Did the organization engage in direct or indirect political campaign activities on behalf of or in opposition to candidates for public office? If "Yes," complete Schedule C, Part I Click to see attachment

List of Attached Documents:

// Content

.............

Yes

Section 501(c)(3) organizations. Did the organization engage in lobbying activities, or have a section 501(h) election in effect during the tax year? If "Yes," complete Schedule C, Part II.........

Is the organization a section 501(c)(4), 501(c)(5), or 501(c)(6) organization that receives membership dues, assessments, or similar amounts as defined in Rev. Proc. 98-19? If "Yes," complete Schedule C, Part III Click to see attachment

List of Attached Documents:

// Content

Did the organization maintain any donor advised funds or any similar funds or accounts for which donors have the right to provide advice on the distribution or investment of amounts in such funds or accounts? If "Yes," complete Schedule D, Part I.........................

Did the organization receive or hold a conservation easement, including easements to preserve open space,
the environment, historic land areas, or historic structures? If "Yes," complete Schedule D, Part II....

Did the organization maintain collections of works of art, historical treasures, or other similar assets? If "Yes,"
complete Schedule D, Part III..............

Did the organization report an amount in Part X, line 21 for escrow or custodial account liability; serve as a custodian for amounts not listed in Part X; or provide credit counseling, debt management, credit repair, or debt negotiation services? If "Yes," complete Schedule D, Part IV..............

Did the organization, directly or through a related organization, hold assets in temporarily restricted endowments, permanent endowments, or quasi endowments? If "Yes," complete Schedule D, Part V......

If the organization’s answer to any of the following questions is "Yes," then complete Schedule D, Parts VI, VII, VIII, IX, or X, as applicable.

Did the organization report an amount for land, buildings, and equipment in Part X, line 10? If "Yes," complete
Schedule D, Part VI. ...................

11a

Did the organization report an amount for investments—other securities in Part X, line 12 that is 5% or more of its total assets reported in Part X, line 16? If "Yes," complete Schedule D, Part VII.......

11b

Did the organization report an amount for investments—program related in Part X, line 13 that is 5% or more of its total assets reported in Part X, line 16? If "Yes," complete Schedule D, Part VIII.......

11c

Did the organization report an amount for other assets in Part X, line 15 that is 5% or more of its total assets reported in Part X, line 16? If "Yes," complete Schedule D, Part IX............

11d

Did the organization report an amount for other liabilities in Part X, line 25? If "Yes," complete Schedule D, Part X

11e

Did the organization’s separate or consolidated financial statements for the tax year include a footnote that addresses the organization’s liability for uncertain tax positions under FIN 48 (ASC 740)? If "Yes," complete Schedule D, Part X

11f

12a

Did the organization obtain separate, independent audited financial statements for the tax year? If "Yes," complete
Schedule D, Parts XI and XII......................

12a

Was the organization included in consolidated, independent audited financial statements for the tax year? If "Yes," and if the organization answered "No" to line 12a, then completing Schedule D, Parts XI and XII is optional

12b

Is the organization a school described in section 170(b)(1)(A)(ii)? If "Yes," complete Schedule E

14a

Did the organization maintain an office, employees, or agents outside of the United States? .....

14a

Did the organization have aggregate revenues or expenses of more than $10,000 from grantmaking, fundraising, business, investment, and program service activities outside the United States, or aggregate foreign investments valued at $100,000 or more? If "Yes," complete Schedule F, Parts I and IV.........

14b

Did the organization report on Part IX, column (A), line 3, more than $5,000 of grants or other assistance to or for any foreign organization? If “Yes,” complete Schedule F, Parts II and IV.....

Did the organization report on Part IX, column (A), line 3, more than $5,000 of aggregate grants or other assistance to or for foreign individuals? If “Yes,” complete Schedule F, Parts III and IV...

Did the organization report a total of more than $15,000 of expenses for professional fundraising services on Part IX, column (A), lines 6 and 11e? If "Yes," complete Schedule G, Part I. See instructions. ....

Did the organization report more than $15,000 total of fundraising event gross income and contributions on Part VIII, lines 1c and 8a? If "Yes," complete Schedule G, Part II............

Did the organization report more than $15,000 of gross income from gaming activities on Part VIII, line 9a? If "Yes," complete Schedule G, Part III...................

20a

Did the organization operate one or more hospital facilities? If "Yes," complete Schedule H....

20a

If "Yes" to line 20a, did the organization attach a copy of its audited financial statements to this return?

20b

Did the organization report more than $5,000 of grants or other assistance to any domestic organization or domestic government on Part IX, column (A), line 1? If “Yes,” complete Schedule I, Parts I and II..... Click to see attachment

List of Attached Documents:

// Content

Yes

Form 990 (2025)

Page 4

Part IV

Checklist of Required Schedules (continued)

Yes

Did the organization report more than $5,000 of grants or other assistance to or for domestic individuals on Part IX, column (A), line 2? If “Yes,” complete Schedule I, Parts I and III........ Click to see attachment

List of Attached Documents:

// Content

Yes

Did the organization answer "Yes" to Part VII, Section A, line 3, 4, or 5, about compensation of the organization’s current and former officers, directors, trustees, key employees, and highest compensated employees? If "Yes," complete Schedule J....................... Click to see attachment

List of Attached Documents:

// Content

Yes

24a

Did the organization have a tax-exempt bond issue with an outstanding principal amount of more than $100,000 as of the last day of the year, that was issued after December 31, 2002? If “Yes,” answer lines 24b through 24d and complete Schedule K. If “No,” go to line 25a...............

24a

Did the organization invest any proceeds of tax-exempt bonds beyond a temporary period exception?...

24b

Did the organization maintain an escrow account other than a refunding escrow at any time during the year
to defease any tax-exempt bonds? ...............

24c

Did the organization act as an "on behalf of" issuer for bonds outstanding at any time during the year?...

24d

25a

Section 501(c)(3), 501(c)(4), and 501(c)(29) organizations. Did the organization engage in an excess benefit transaction with a disqualified person during the year? If "Yes," complete Schedule L, Part I ....

25a

Is the organization aware that it engaged in an excess benefit transaction with a disqualified person in a prior year, and that the transaction has not been reported on any of the organization’s prior Forms 990 or 990-EZ? If "Yes," complete Schedule L, Part I.......................

25b

Did the organization report any amount on Part X, line 5 or 22 for receivables from or payables to any current or former officer, director, trustee, key employee, creator or founder, substantial contributor, or 35% controlled entity or family member of any of these persons? If "Yes," complete Schedule L, Part II...........

Did the organization provide a grant or other assistance to any current or former officer, director, trustee, key employee, creator or founder, substantial contributor, or employee thereof, a grant selection committee member, or to a 35% controlled entity (including an employee thereof) or family member of any of these persons?

If "Yes," complete

Schedule L, Part III.........................

Was the organization a party to a business transaction with one of the following parties (see the Schedule L, Part IV instructions for applicable filing thresholds, conditions, and exceptions):

A current or former officer, director, trustee, key employee, creator or founder, or substantial contributor? If "Yes," complete Schedule L, Part IV......................

28a

A family member of any individual described in line 28a? If "Yes," complete Schedule L, Part IV.....

28b

A 35% controlled entity of one or more individuals and/or organizations described in line 28a or 28b? If "Yes," complete Schedule L, Part IV.....................

28c

Did the organization receive more than $25,000 in non-cash contributions? If "Yes," complete Schedule M..

Did the organization receive contributions of art, historical treasures, or other similar assets, or qualified conservation contributions? If "Yes," complete Schedule M .................

Did the organization liquidate, terminate, or dissolve and cease operations? If "Yes," complete Schedule N, Part I Click to see attachment

List of Attached Documents:

// Content

Yes

Did the organization sell, exchange, dispose of, or transfer more than 25% of its net assets? If "Yes," complete Schedule N, Part II........................ Click to see attachment

List of Attached Documents:

// Content

Did the organization own 100% of an entity disregarded as separate from the organization under Regulations sections 301.7701-2 and 301.7701-3? If "Yes," complete Schedule R, Part I............ Click to see attachment

List of Attached Documents:

// Content

Was the organization related to any tax-exempt or taxable entity? If "Yes," complete Schedule R, Part II, III, or IV, and Part V, line 1......................... Click to see attachment

List of Attached Documents:

// Content

Yes

35a

Did the organization have a controlled entity within the meaning of section 512(b)(13)?

35a

Yes

If ‘Yes’ to line 35a, did the organization receive any payment from or engage in any transaction with a controlled entity within the meaning of section 512(b)(13)? If "Yes," complete Schedule R, Part V, line 2 ... Click to see attachment

List of Attached Documents:

// Content

35b

Yes

Section 501(c)(3) organizations. Did the organization make any transfers to an exempt non-charitable related organization? If "Yes," complete Schedule R, Part V, line 2.............

Did the organization conduct more than 5% of its activities through an entity that is not a related organization and that is treated as a partnership for federal income tax purposes? If "Yes," complete Schedule R, Part VI Click to see attachment

List of Attached Documents:

// Content

Did the organization complete Schedule O and provide explanations on Schedule O for Part VI, lines 11b and 19? Note. All Form 990 filers are required to complete Schedule O. ............

Yes

Part V

Statements Regarding Other IRS Filings and Tax Compliance
Check if Schedule O contains a response or note to any line in this Part V...........

Yes

Enter the number reported in box 3 of Form 1096. Enter -0- if not applicable ..

121,706

Enter the number of Forms W-2G included on line 1a. Enter -0- if not applicable .

Did the organization comply with backup withholding rules for reportable payments to vendors and reportable gaming (gambling) winnings to prize winners? ..................

Yes

Form 990 (2025)

Page 5

Part V

Statements Regarding Other IRS Filings and Tax Compliance (continued)

Enter the number of employees reported on Form W-3, Transmittal of Wage and
Tax Statements, filed for the calendar year ending with or within the year covered by this return ..................

636

If at least one is reported on line 2a, did the organization file all required federal employment tax returns?

Yes

Did the organization have unrelated business gross income of $1,000 or more during the year?...

Yes

If “Yes,” has it filed a Form 990-T for this year? If “No” to line 3b, provide an explanation in Schedule O...

Yes

At any time during the calendar year, did the organization have an interest in, or a signature or other authority over, a financial account in a foreign country (such as a bank account, securities account, or other financial account)? ..

If "Yes," enter the name of the foreign country:
See instructions for filing requirements for FinCEN Form 114, Report of Foreign Bank and Financial Accounts (FBAR).

Was the organization a party to a prohibited tax shelter transaction at any time during the tax year? ..

Did any taxable party notify the organization that it was or is a party to a prohibited tax shelter transaction?

If "Yes," to line 5a or 5b, did the organization file Form 8886-T? ............

Does the organization have annual gross receipts that are normally greater than $100,000, and did the organization solicit any contributions that were not tax deductible as charitable contributions? ...

If "Yes," did the organization include with every solicitation an express statement that such contributions or gifts were not tax deductible? ......................

Organizations that may receive deductible contributions under section 170(c).

Did the organization receive a payment in excess of $75 made partly as a contribution and partly for goods and services provided to the payor? ....................

If "Yes," did the organization notify the donor of the value of the goods or services provided? .....

Did the organization sell, exchange, or otherwise dispose of tangible personal property for which it was required to file Form 8282? .........................

If "Yes," indicate the number of Forms 8282 filed during the year ....

Did the organization receive any funds, directly or indirectly, to pay premiums on a personal benefit contract?

Did the organization, during the year, pay premiums, directly or indirectly, on a personal benefit contract? ..

If the organization received a contribution of qualified intellectual property, did the organization file Form 8899 as required? ......................

If the organization received a contribution of cars, boats, airplanes, or other vehicles, did the organization file a Form 1098-C? ..........................

Sponsoring organizations maintaining donor advised funds. Did a donor advised fund maintained by the sponsoring organization have excess business holdings at any time during the year? ........

Sponsoring organizations maintaining donor advised funds.

Did the sponsoring organization make any taxable distributions under section 4966?........

Did the sponsoring organization make a distribution to a donor, donor advisor, or related person?...

Section 501(c)(7) organizations. Enter:

Initiation fees and capital contributions included on Part VIII, line 12 ...

10a

Gross receipts, included on Form 990, Part VIII, line 12, for public use of club facilities

10b

Section 501(c)(12) organizations. Enter:

Gross income from members or shareholders .........

11a

Gross income from other sources. (Do not net amounts due or paid to other sources against amounts due or received from them.) ..........

11b

12a

Section 4947(a)(1) non-exempt charitable trusts. Is the organization filing Form 990 in lieu of Form 1041?

12a

If "Yes," enter the amount of tax-exempt interest received or accrued during the year.

12b

Section 501(c)(29) qualified nonprofit health insurance issuers.

Is the organization licensed to issue qualified health plans in more than one state? .........
Note. See the instructions for additional information the organization must report on Schedule O.

13a

Enter the amount of reserves the organization is required to maintain by the states in which the organization is licensed to issue qualified health plans ....

13b

Enter the amount of reserves on hand ............

13c

14a

Did the organization receive any payments for indoor tanning services during the tax year?.....

14a

If "Yes," has it filed a Form 720 to report these payments? If "No," provide an explanation in Schedule O..

14b

Is the organization subject to the section 4960 tax on payment(s) of more than $1,000,000 in remuneration or excess parachute payment(s) during the year? ....................
If "Yes," see the instructions and file Form 4720, Schedule N.

Yes

Is the organization an educational institution subject to the section 4968 excise tax on net investment income? ..
If "Yes," complete Form 4720, Schedule O.

Section 501(c)(21) organizations. Did the trust, or any disqualified or other person engage in any activities that would result in the imposition of an excise tax under section 4951, 4952, or 4953? ..
If "Yes," complete Form 6069.

Form 990 (2025)

Page 6

Part VI

Governance, Management, and Disclosure. For each "Yes" response to lines 2 through 7b below, and for a "No" response to lines 8a, 8b, or 10b below, describe the circumstances, processes, or changes in Schedule O. See instructions.

Check if Schedule O contains a response or note to any line in this Part VI..............

Section A. Governing Body and Management

Yes

Enter the number of voting members of the governing body at the end of the tax year

If there are material differences in voting rights among members of the governing body, or if the governing body delegated broad authority to an executive committee or similar committee, explain in Schedule O.

Enter the number of voting members included in line 1a, above, who are independent

Did any officer, director, trustee, or key employee have a family relationship or a business relationship with any other officer, director, trustee, or key employee? .................

Did the organization delegate control over management duties customarily performed by or under the direct supervision of officers, directors or trustees, or key employees to a management company or other person? .

Did the organization make any significant changes to its governing documents since the prior Form 990 was filed? .

Did the organization become aware during the year of a significant diversion of the organization’s assets? .

Did the organization have members or stockholders? ................

Yes

Did the organization have members, stockholders, or other persons who had the power to elect or appoint one or more members of the governing body? ....................

Yes

Are any governance decisions of the organization reserved to (or subject to approval by) members, stockholders, or persons other than the governing body? ...................

Yes

Did the organization contemporaneously document the meetings held or written actions undertaken during the year by the following:

The governing body? .......................

Yes

Each committee with authority to act on behalf of the governing body? ............

Yes

Is there any officer, director, trustee, or key employee listed in Part VII, Section A, who cannot be reached at the organization’s mailing address? If "Yes," provide the names and addresses in Schedule O.......

Section B. Policies (This Section B requests information about policies not required by the Internal Revenue Code.)

Yes

10a

Did the organization have local chapters, branches, or affiliates? ............

10a

Yes

If "Yes," did the organization have written policies and procedures governing the activities of such chapters, affiliates, and branches to ensure their operations are consistent with the organization's exempt purposes?

10b

Yes

11a

Has the organization provided a complete copy of this Form 990 to all members of its governing body before filing the form? ............................

11a

Yes

Describe on Schedule O the process, if any, used by the organization to review this Form 990. .....

12a

Did the organization have a written conflict of interest policy? If "No," go to line 13.......

12a

Yes

Were officers, directors, or trustees, and key employees required to disclose annually interests that could give rise to conflicts? ..........................

12b

Yes

Did the organization regularly and consistently monitor and enforce compliance with the policy? If "Yes," describe on Schedule O how this was done...................

12c

Yes

Did the organization have a written whistleblower policy? ...............

Yes

Did the organization have a written document retention and destruction policy? .........

Yes

Did the process for determining compensation of the following persons include a review and approval by independent persons, comparability data, and contemporaneous substantiation of the deliberation and decision?

The organization’s CEO, Executive Director, or top management official ...........

15a

Yes

Other officers or key employees of the organization ................

15b

Yes

If "Yes" to line 15a or 15b, describe the process on Schedule O. See instructions.

16a

Did the organization invest in, contribute assets to, or participate in a joint venture or similar arrangement with a taxable entity during the year? ......................

16a

If "Yes," did the organization follow a written policy or procedure requiring the organization to evaluate its participation in joint venture arrangements under applicable federal tax law, and take steps to safeguard the organization’s exempt status with respect to such arrangements? ............

16b

Section C. Disclosure

List the states with which a copy of this Form 990 is required to be filed

Section 6104 requires an organization to make its Form 1023 (1024 or 1024-A, if applicable), 990, and 990-T (section 501(c)(3)s only) available for public inspection. Indicate how you made these available. Check all that apply.

Own website Another's website Upon request Other (explain in Schedule O)

Describe in Schedule O whether (and if so, how) the organization made its governing documents, conflict of interest policy, and financial statements available to the public during the tax year.

State the name, address, and telephone number of the person who possesses the organization's books and records:
SAM NOP CONTROLLER701 NORTH BRAND BLVD 7 FL GLENDALE,CA91203 (818) 291-5525

Form 990 (2025)

Page 7

Part VII

Compensation of Officers, Directors,Trustees, Key Employees, Highest Compensated Employees, and Independent Contractors

Check if Schedule O contains a response or note to any line in this Part VII..............

Section A. Officers, Directors, Trustees, Key Employees, and Highest Compensated Employees

1a Complete this table for all persons required to be listed. Report compensation for the calendar year ending with or within the organization’s tax year.
RoundBullet

List all of the organization’s current officers, directors, trustees (whether individuals or organizations), regardless of amount
of compensation. Enter -0- in columns (D), (E), and (F) if no compensation was paid.

List all of the organization’s current key employees, if any. See the instructions for definition of "key employee."

List the organization’s five current highest compensated employees (other than an officer, director, trustee or key employee)
who received reportable compensation (box 5 of Form W-2, box 6 of Form 1099-MISC, and/or box 1 of Form 1099-NEC) of more than $100,000 from the organization and any related organizations.

List all of the organization’s former officers, key employees, or highest compensated employees who received more than $100,000
of reportable compensation from the organization and any related organizations.

List all of the organization’s former directors or trustees that received, in the capacity as a former director or trustee of the
organization, more than $10,000 of reportable compensation from the organization and any related organizations.

See the instructions for the order in which to list the persons above.

Check this box if neither the organization nor any related organization compensated any current officer, director, or trustee.

(A) Name and title	(B) Average hours per week (list any hours for related organizations below dotted line)	(C) Position (do not check more than one box, unless person is both an officer and a director/trustee)		(D) Reportable compensation from the organization (W-2/1099-MISC/1099-NEC)	(E) Reportable compensation from related organizations (W-2/1099-MISC/1099-NEC)	(F) Estimated amount of other compensation from the organization and related organizations
(A) Name and title
(1) WALTON GREENE...................................................................... CHAIRMAN	1.00 .................	X		0	0	0
(2) PAMELA FEES...................................................................... VICE CHAIRPERSON	1.00 .................	X		0	0	0
(3) REBECCA COLLIER...................................................................... BOARD SECRETARY	1.00 .................	X		0	0	0
(4) JEFF STONE...................................................................... BOARD TREASURER	1.00 .................	X		0	0	0
(5) TED FUJIMOTO...................................................................... BOARD MEMBER	1.00 .................	X		1,188	0	0
(6) EMMANUEL OLAES...................................................................... BOARD MEMBER	1.00 .................	X		845	0	0
(7) MARCIA WADE...................................................................... BOARD MEMBER	1.00 .................	X		0	0	0
(8) VICTOR HANSON FORMER...................................................................... BOARD MEMBER - EMERITUS	1.00 .................	X		0	0	0
(9) JANALYN GLYMPH...................................................................... SUPERVISORY COMMITTEE CHAIR	1.00 .................	X		0	0	0
(10) WILLIAM KALEY...................................................................... SUPERVISORY COMMITTEE SECRETARY	1.00 .................	X		0	0	0
(11) GUILBERT HENTSCHKE...................................................................... SUPERVISORY COMMITTEE MEMBER	1.00 .................	X		836	0	0
(12) SCOTT J SVONKIN...................................................................... SUPERVISORY COMMITTEE MEMBER	1.00 .................	X		1,169	0	0
(13) ROGER MCTIGHE FORMER...................................................................... SUPERVISORY COMMITTEE MEMBER	1.00 .................	X		0	0	0
(14) VIVIAN EKCHIAN...................................................................... SUPERVISORY COMMITTEE MEMBER	1.00 .................	X		0	0	0
(15) STEVEN O'CONNELL...................................................................... PRESIDENT, CEO	40.00 .................		X	1,220,338	0	75,154
(16) MARK LOVEWELL...................................................................... EVP, CFO AND PRESIDENT OF CUSO OPS	40.00 .................		X	693,852	0	58,906
(17) JOHN BRETTHAUER...................................................................... EVP, CHIEF ADMINISTRATIVE OFFICER	40.00 .................		X	1,563,546	0	75,155

Form 990 (2025)

Page 8

Part VII

Section A. Officers, Directors, Trustees, Key Employees, and Highest Compensated Employees (continued)

(A) Name and title	(B) Average hours per week (list any hours for related organizations below dotted line)				(D) Reportable compensation from the organization (W-2/1099-MISC/1099-NEC)	(E) Reportable compensation from related organizations (W-2/1099-MISC/1099-NEC)	(F) Estimated amount of other compensation from the organization and related organizations
(A) Name and title
(18) ROBERT O'GRADY........................................................................ EVP, CHIEF OPERATING OFFICER	40.00 .......................	X			863,919	0	58,906
(19) HUDSON LEE........................................................................ EVP, CHIEF RISK OFFICER	40.00 .......................	X			586,236	0	58,906
(20) RICHARD HUBENY........................................................................ EVP, CHIEF LENDING OFFICER	40.00 .......................	X			550,188	0	67,350
(21) PATRICK ZARIFIAN........................................................................ EVP, CHIEF EXPERIENCE OFFICER	40.00 .......................	X			484,876	0	75,154
(22) CHARLES LACUESTA........................................................................ SVP, CHIEF INFORMATION OFFICER	40.00 .......................	X			409,663	0	37,010
(23) FRANK BERRIZ........................................................................ CMT PRESIDENT, CEO	40.00 .......................	X			389,238	0	54,294
(24) MARVEL FORD........................................................................ SVP, CHIEF ADVOCACY OFFICER	40.00 .......................	X			344,019	0	35,027
(25) JILL VASANT........................................................................ EVP, CHIEF MARKETING OFFICER	40.00 .......................		X		452,202	0	34,642
(26) SAM NOP........................................................................ VP, CONTROLLER	40.00 .......................		X		302,233	0	51,052
(27) JASON PUGH........................................................................ SVP, MORTGAGE LENDING	40.00 .......................		X		288,150	0	52,460
(28) AMADA MORALES........................................................................ SVP, HUMAN RESOURCES	40.00 .......................		X		284,372	0	43,440
(29) BLANCA DONAHUE........................................................................ SVP, OPERATIONS	40.00 .......................		X		282,739	0	54,441
(30) KIMBERLY SMITH........................................................................ SVP, CONSUMER LENDING	40.00 .......................		X		278,161	0	50,043
(31) KATI MARIE TARQUINI........................................................................ VP, COMPLIANCE AND VENDOR MANAGEMENT	40.00 .......................		X		206,790	0	12,446
(32) IRMA A JIMENEZ........................................................................ VP, MORTGAGE LOAN OFFICER	40.00 .......................			X	1,127,781	0	34,777
(33) KEVIN ANDREW WITOWICH........................................................................ FINANCIAL ADVISOR	40.00 .......................			X	681,334	0	67,349
(34) MARGARET VOSKANIAN........................................................................ VP, MORTGAGE LOAN OFFICER	40.00 .......................			X	506,749	0	53,487
(35) CARLO ALBERT BOTON........................................................................ FINANCIAL ADVISOR	40.00 .......................			X	497,060	0	17,537
(36) BRIAN JAMES VENN........................................................................ VP, PROGRAM MANAGER	40.00 .......................			X	351,060	0	64,033

1b	Sub-Total..............
c	Total from continuation sheets to Part VII, Section A..
d	Total (add lines 1b and 1c).........	12,368,544	0	1,131,569

Total number of individuals (including but not limited to those listed above) who received more than $100,000 of reportable compensation from the organization 140

Yes

Did the organization list any former officer, director or trustee, key employee, or highest compensated employee on line 1a? If "Yes," complete Schedule J for such individual ..............

For any individual listed on line 1a, is the sum of reportable compensation and other compensation from the organization and related organizations greater than $150,000? If "Yes," complete Schedule J for such
individual...........................

Yes

Did any person listed on line 1a receive or accrue compensation from any unrelated organization or individual for services rendered to the organization? If "Yes," complete Schedule J for such person ........

Section B. Independent Contractors

Complete this table for your five highest compensated independent contractors that received more than $100,000 of compensation from the organization. Report compensation for the calendar year ending with or within the organization’s tax year.

(A) Name and business address	(B) Description of services	(C) Compensation
HOWARD ANDERSON ARCHITECTURE 2194 CARMEL VALLEY RD DEL MAR,CA92014	ARCHITECTURE AND PLANNING	183,368
WINLY COMMUNICATIONS 9600 DALE AVENUE SHADOW HILLS,CA91040	COMMUNICATION SUPPORT SERVICES	177,270



2 Total number of independent contractors (including but not limited to those listed above) who received more than $100,000 of compensation from the organization 2

Form 990 (2025)

Page 9

Part VIII

Statement of Revenue

Check if Schedule O contains a response or note to any line in this Part VIII.............

(A)
Total revenue

(B)
Related or
exempt
function
revenue

(D)
Revenue
excluded from
tax under sections
512 - 514

1a	Federated campaigns..	1a
b	Membership dues..	1b
c	Fundraising events..	1c
d	Related organizations	1d
e	Government grants (contributions)	1e

f	All other contributions, gifts, grants, and similar amounts not included above	1f

g	Noncash contributions included in lines 1a - 1f:$	1g

h Total. Add lines 1a-1f.......

		Business Code
2a	INTEREST ON LOANS	522100	171,710,610	171,710,610
b	FEE INCOME	522100	11,755,764	11,620,221	135,543
c	OTHER OPERATING INCOME	522100	8,540,888	7,751,274	789,614
d
e
f	All other program service revenue.
g	Total. Add lines 2a–2f .....		192,007,262

3 Investment income (including dividends, interest, and othersimilar amounts) ......			43,297,232	43,297,232
4 Income from investment of tax-exempt bond proceeds
5 Royalties...........
			(i) Real	(ii) Personal
6a	Gross rents	6a
b	Less: rental expenses	6b
c	Rental income or (loss)	6c
d	Net rental income or (loss).......
			(i) Securities	(ii) Other
7a	Gross amount from sales of assets other than inventory	7a
b	Less: cost or other basis and sales expenses	7b
c	Gain or (loss)	7c
d	Net gain or (loss).........
8a	Gross income from fundraising events (not including $ of contributions reported on line 1c). See Part IV, line 18 ....
			8a
b	Less: direct expenses ...		8b
c	Net income or (loss) from fundraising events..
9a	Gross income from gaming activities. See Part IV, line 19 ...
			9a
b	Less: direct expenses ...		9b
c	Net income or (loss) from gaming activities..
10a	Gross sales of inventory, less returns and allowances ..
			10a
b	Less: cost of goods sold ..		10b
c	Net income or (loss) from sales of inventory..

Business Code
11a	OTHER NON-INTEREST INC		522100	24,530,541	24,530,541
b	GAIN ON SALE OF LOANS		522100	634,115	634,115
c
d	All other revenue ....
e	Total. Add lines 11a–11d ......			25,164,656
12	Total revenue. See instructions.....			260,469,150	259,543,993	925,157	0

Form 990 (2025)

Page 10

Part IX

Statement of Functional Expenses

Section 501(c)(3) and 501(c)(4) organizations must complete all columns. All other organizations must complete column (A).Check if Schedule O contains a response or note to any line in this Part IX..............

Do not include amounts reported on lines 6b, 7b, 8b, 9b, and 10b of Part VIII.		(A) Total expenses	(B) Program service expenses	(C) Management and general expenses	(D) Fundraising expenses

1	Grants and other assistance to domestic organizations and domestic governments. See Part IV, line 21 ....	352,027
2	Grants and other assistance to domestic individuals. See Part IV, line 22 ...........	10,000
3	Grants and other assistance to foreign organizations, foreign governments, and foreign individuals. See Part IV, lines 15 and 16. .............
4	Benefits paid to or for members .......
5	Compensation of current officers, directors, trustees, and key employees ...........	12,368,544
6	Compensation not included above, to disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B) .........
7	Other salaries and wages........	40,898,472
8	Pension plan accruals and contributions (include section 401(k) and 403(b) employer contributions) ....	2,888,761
9	Other employee benefits .......	7,069,473
10	Payroll taxes ...........	3,786,485
11	Fees for services (non-employees):
a	Management ......
b	Legal .........	787,836
c	Accounting ...........	207,594
d	Lobbying ...........
e	Professional fundraising services. See Part IV, line 17
f	Investment management fees ......
g	Other (If line 11g amount exceeds 10% of line 25, column (A) amount, list line 11g expenses on Schedule O)	2,765,188
12	Advertising and promotion ....	7,305,461
13	Office expenses .......	14,690,272
14	Information technology ......	13,454,317
15	Royalties ..
16	Occupancy ...........	11,434,125
17	Travel ............	1,118,286
18	Payments of travel or entertainment expenses for any federal, state, or local public officials .
19	Conferences, conventions, and meetings ....
20	Interest ...........	87,572,576
21	Payments to affiliates .......
22	Depreciation, depletion, and amortization ..	8,438,582
23	Insurance ...	169,573
24	Other expenses. Itemize expenses not covered above (List miscellaneous expenses in line 24e. If line 24e amount exceeds 10% of line 25, column (A) amount, list line 24e expenses on Schedule O.)
a	MISCELLANEOUS EXPENSE	4,719,367
b	LOAN SERVICING	4,183,114
c	PROVISION FOR LOAN LOSS	4,130,041
d	OPERATING FEES	440,457
e	All other expenses	132,088
25	Total functional expenses. Add lines 1 through 24e	228,922,639
26	Joint costs. Complete this line only if the organization reported in column (B) joint costs from a combined educational campaign and fundraising solicitation. Check here if following SOP 98-2 (ASC 958-720).

Form 990 (2025)

Page 11

Part X

Balance Sheet

Check if Schedule O contains a response or note to any line in this Part IX..............

				(A) Beginning of year		(B) End of year

1	Cash–non-interest-bearing ........			50,857,382	1	0
2	Savings and temporary cash investments .........			589,215,080	2	0
3	Pledges and grants receivable, net ......				3	0
4	Accounts receivable, net .............				4	0
5	Loans and other receivables from any current or former officer, director, trustee, key employee, creator or founder, substantial contributor, or 35% controlled entity or family member of any of these persons .......
				16,023,001	5	0
6	Loans and other receivables from other disqualified persons (as defined under section 4958(f)(1)), and persons described in section 4958(c)(3)(B) ...
					6	0
7	Notes and loans receivable, net ...........				7	0
8	Inventories for sale or use ............				8	0
9	Prepaid expenses and deferred charges ......			15,002,038	9	0
10a	Land, buildings, and equipment: cost or other basis. Complete Part VI of Schedule D	10a	0
b	Less: accumulated depreciation	10b	0	112,896,965	10c	0
11	Investments—publicly traded securities .			953,103,761	11	0
12	Investments—other securities. See Part IV, line 11 .....				12	0
13	Investments—program-related. See Part IV, line 11 ..			3,213,834,397	13	0
14	Intangible assets ...............			23,183,736	14	0
15	Other assets. See Part IV, line 11 ...........			72,265,314	15	0
16	Total assets. Add lines 1 through 15 (must equal line 33)...			5,046,381,674	16	0

17	Accounts payable and accrued expenses .....	67,139,283	17	0
18	Grants payable ...		18
19	Deferred revenue .........		19
20	Tax-exempt bond liabilities .........		20
21	Escrow or custodial account liability. Complete Part IV of Schedule D		21
22	Loans and other payables to any current or former officer, director, trustee, key employee, creator or founder, substantial contributor, or 35% controlled entity or family member of any of these persons .........
			22
23	Secured mortgages and notes payable to unrelated third parties ..		23
24	Unsecured notes and loans payable to unrelated third parties ..		24
25	Other liabilities (including federal income tax, payables to related third parties, and other liabilities not included on lines 17 - 24). Complete Part X of Schedule D	4,664,831,151	25	0
26	Total liabilities. Add lines 17 through 25..	4,731,970,434	26	0

	Organizations that follow FASB ASC 958, check here and complete lines 27, 28, 32, and 33.
27	Net assets without donor restrictions ..........		27
28	Net assets with donor restrictions ...........		28
	Organizations that do not follow FASB ASC 958, check here and complete lines 29 through 33.
29	Capital stock or trust principal, or current funds .....	0	29	0
30	Paid-in or capital surplus, or land, building or equipment fund ...	0	30	0
31	Retained earnings, endowment, accumulated income, or other funds	314,411,240	31	0
32	Total net assets or fund balances ...........	314,411,240	32	0
33	Total liabilities and net assets/fund balances ........	5,046,381,674	33	0

Form 990 (2025)

Page 12

Part XI

Reconcilliation of Net Assets

Check if Schedule O contains a response or note to any line in this Part XI..............

Total revenue (must equal Part VIII, column (A), line 12) ............

260,469,150

Total expenses (must equal Part IX, column (A), line 25) ............

228,922,639

Revenue less expenses. Subtract line 2 from line 1 ..............

31,546,511

Net assets or fund balances at beginning of year (must equal Part X, line 32, column (A)) ..

314,411,240

Net unrealized gains (losses) on investments ...............

-122,346,449

Donated services and use of facilities .................

Investment expenses .....................

Prior period adjustments .....................

Other changes in net assets or fund balances (explain in Schedule O) ........

-223,611,302

Net assets or fund balances at end of year. Combine lines 3 through 9 (must equal Part X, line 32, column (B))

Part XII

Financial Statements and Reporting

Check if Schedule O contains a response or note to any line in this Part XII.............

Yes

Accounting method used to prepare the Form 990: Cash Accrual Other
If the organization changed its method of accounting from a prior year or checked "Other," explain on
Schedule O.

Were the organization’s financial statements compiled or reviewed by an independent accountant?

If ‘Yes,’ check a box below to indicate whether the financial statements for the year were compiled or reviewed on a separate basis, consolidated basis, or both:

Separate basis Consolidated basis Both consolidated and separate basis

Were the organization’s financial statements audited by an independent accountant?

Yes

If ‘Yes,’ check a box below to indicate whether the financial statements for the year were audited on a separate basis, consolidated basis, or both:

Separate basis Consolidated basis Both consolidated and separate basis

If "Yes," to line 2a or 2b, does the organization have a committee that assumes responsibility for oversight of the audit, review, or compilation of its financial statements and selection of an independent accountant?

Yes

If the organization changed either its oversight process or selection process during the tax year, explain in Schedule O.

As a result of a federal award, was the organization required to undergo an audit or audits as set forth in the Uniform Guidance, 2 C.F.R. Part 200, Subpart F?

If "Yes," did the organization undergo the required audit or audits? If the organization did not undergo the required audit or audits, explain why in Schedule O and describe any steps taken to undergo such audits.

Form 990 (2025)

Additional Data

Software ID:
Software Version:

Form 990, Special Condition Description:

Special Condition Description

- TIN:

SCHEDULE C
(Form 990)

Department of the Treasury
Internal Revenue Service

Political Campaign and Lobbying Activities

For Organizations Exempt From Income Tax Under section 501(c) and section 527

Complete if the organization is described below. Attach to Form 990 or Form 990-EZ.
Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

2025

Open to Public
Inspection

If the organization answered "Yes" on Form 990, Part IV, Line 3, or Form 990-EZ, Part V, line 46 (Political Campaign Activities), then
Round Bullet

Section 501(c)(3) organizations: Complete Parts I-A and B. Do not complete Part I-C.
Round Bullet

Section 501(c) (other than section 501(c)(3)) organizations: Complete Parts I-A and C below. Do not complete Part I-B.
Round Bullet

Section 527 organizations: Complete Part I-A only.
If the organization answered "Yes" on Form 990, Part IV, Line 4, or Form 990-EZ, Part VI, line 47 (Lobbying Activities), then
Round Bullet

Section 501(c)(3) organizations that have filed Form 5768 (election under section 501(h)): Complete Part II-A. Do not complete Part II-B.
Round Bullet

Section 501(c)(3) organizations that have NOT filed Form 5768 (election under section 501(h)): Complete Part II-B. Do not complete Part II-A.
If the organization answered "Yes" on Form 990, Part IV, Line 5 (Proxy Tax) (see separate instructions) or Form 990-EZ, Part V, line 35c (Proxy Tax) (see separate instructions), then
Round Bullet

Section 501(c)(4), (5), or (6) organizations: Complete Part III.

Name of the organization

CALIFORNIA CREDIT UNION

Employer identification number

95-0951410

Part I-A

Complete if the organization is exempt under section 501(c) or is a section 527 organization.

Provide a description of the organization’s direct and indirect political campaign activities in Part IV. See instructions for definition of “political campaign activities."

Political campaign activity expenditures. See instructions ....................................................................

$ 31,900

Volunteer hours for political campaign activities. See instructions ..................................................................

Part I-B

Complete if the organization is exempt under section 501(c)(3).

Enter the amount of any excise tax incurred by the organization under section 4955 ................................

Enter the amount of any excise tax incurred by organization managers under section 4955 .......................

If the organization incurred a section 4955 tax, did it file Form 4720 for this year? .........................................

Yes No

Was a correction made? ......................................................................................................................

Yes No

If "Yes," describe in Part IV.

Part I-C

Complete if the organization is exempt under section 501(c), except section 501(c)(3).

Enter the amount directly expended by the filing organization for section 527 exempt function activities .....

$ 31,900

Enter the amount of the filing organization's funds contributed to other organizations for section 527 exempt function activities ............................................................................................................................

Total exempt function expenditures. Add lines 1 and 2. Enter here and on Form 1120-POL, line 17b...........

$ 31,900

Did the filing organization file Form 1120-POL for this year? ...................................................................

Yes No

Enter the names, addresses and employer identification number (EIN) of all section 527 political organizations to which the filing
organization made payments. For each organization listed, enter the amount paid from the filing organization’s funds. Also enter the amount of political contributions received that were promptly and directly delivered to a separate political organization, such as a separate segregated fund or a political action committee (PAC). If additional space is needed, provide information in Part IV.

(a) Name	(b) Address	(d) Amount paid from filing organization's funds. If none, enter -0-.
(1) BOB ARCHULETA FOR SENATE 2026	CAPITOL OFFICE 1021 O STREET SUIT INGLEWOOD,CA90301	1,000
(2) CALIFORNIA CREDIT UNION LEAGUE	2855 E GUASTI ROAD SUITE 600 ONTARIO,CA91761	1,400
(3) SABRINA CERVANTES FOR SECRETARY OF STATE 2030	1021 O STREET SUITE 7330 SACRAMENTO,CA95814	2,500
(4) SAN DIEGO CREDIT UNIONS' PAC	5890 PACIFIC CENTER BLVD SAN DIEGO,CA92133	5,000
(5) TONY STRICKLAND FOR SENATE 2026	301 MAIN STREET SUITE 212 HUNINGTON BEACH,CA92648	3,500
(6) COTTIE PETRIE-NORRIS FOR ASSEMBLY 2026	1021 O STREET SUITE 8120 SACRAMENTO,CA95815	1,500
(7) MIKE FONG FOR ASSEMBLY 2026	PO BOX 942849 ENCINO,CA91436	1,500
(8) RICHARDSON FOR SENATE 2028	1210 O STREET SUITE 7340 SACRAMENTO,CA95815	3,500
(9) AVELINO VALENCIA FOR SENATE 2026	1021 O STREET SUITE 4120 SACRAMENTO,CA95815	1,500
(10) BLANCA PACHECO FOR ASSEMBLY 2026	1021 0 STREET SUITE 5250 SACRAMENTO,CA95815	1,500
(11) JESSE GABRIEL FOR ASSEMBLY 2026	PO BOX 942849 LOS ANGELES,CA90017	1,500
(12) JOHN HARABEDIAN FOR ASSEMBLY 2026	PO BOX 942849 ENCINO,CA91436	1,500
(13) PHILLIP CHEN FOR ASSEMBLY 2026	3 POINTE DRIVE SUITE 313 YORBA LINDA,CA92886	1,500
(14) BLANCA RUBIO FOR ASSEMBLY 2026	1021 0 STREET SUITE 5250 SACRAMENTO,CA95841	1,500
(15) MICHELLE RODRIGUEZ FOR ASSEMBLY 2026	PO BOX 942849 POMONA,CA91766	1,500
(16) ROSILICIE OCHOA BOGH FOR SENATE 2028	9460 TEGNER ROAD HILMAR,CA95324	1,500

For Paperwork Reduction Act Notice, see the instructions for Form 990.

Cat. No. 50084S

Schedule C (Form 990) 2025

Page 2

Part II-A

Complete if the organization is exempt under section 501(c)(3) and filed Form 5768 (election under section 501(h)).

A Check if the filing organization belongs to an affiliated group (and list in Part IV each affiliated group member's name, address, EIN, expenses, and share of excess lobbying expenditures).
B Check if the filing organization checked box A and "limited control" provisions apply.

Limits on Lobbying Expenditures (The term "expenditures" means amounts paid or incurred.)		(b) Affiliated group totals
1a	Total lobbying expenditures to influence public opinion (grass roots lobbying) ......................
b	Total lobbying expenditures to influence a legislative body (direct lobbying) ........................
c	Total lobbying expenditures (add lines 1a and 1b) ............................................................
d	Other exempt purpose expenditures ...............................................................................
e	Total exempt purpose expenditures (add lines 1c and 1d) ..................................................
f	Lobbying nontaxable amount. Enter the amount from the following table in both columns.
	If the amount on line 1e, column (a) or (b) is:The lobbying nontaxable amount is:
	Not over $500,00020% of the amount on line 1e.
	Over $500,000 but not over $1,000,000$100,000 plus 15% of the excess over $500,000.
	Over $1,000,000 but not over $1,500,000$175,000 plus 10% of the excess over $1,000,000.
	Over $1,500,000 but not over $17,000,000$225,000 plus 5% of the excess over $1,500,000.
	Over $17,000,000$1,000,000.

g	Grassroots nontaxable amount (enter 25% of line 1f) .................................................
h	Subtract line 1g from line 1a. If zero or less, enter -0-. ................................................
i	Subtract line 1f from line 1c. If zero or less, enter -0-. ................................................
j	If there is an amount other than zero on either line 1h or line 1i, did the organization file Form 4720 reporting section 4911 tax for this year? ...................................................................................................................	Yes No

4-Year Averaging Period Under Section 501(h) (Some organizations that made a section 501(h) election do not have to complete all of the five columns below. See the separate instructions for lines 2a through 2f.)
Lobbying Expenditures During 4-Year Averaging Period
	Calendar year (or fiscal year beginning in)	(a) 2022	(b) 2023	(c) 2024	(d) 2025	(e) Total

2a	Lobbying nontaxable amount

b	Lobbying ceiling amount (150% of line 2a, column(e))

c	Total lobbying expenditures

d	Grassroots nontaxable amount

e	Grassroots ceiling amount (150% of line 2d, column (e))

f	Grassroots lobbying expenditures

Schedule C (Form 990) 2025

Page 3

Part II-B

Complete if the organization is exempt under section 501(c)(3) and has NOT filed Form 5768 (election under section 501(h)).

For each "Yes" response on lines 1a through 1i below, provide in Part IV a detailed description of the lobbying activity.

(a)

Yes

(b)

Amount

During the year, did the filing organization attempt to influence foreign, national, state or local legislation, including any attempt to influence public opinion on a legislative matter or referendum, through the use of:

Volunteers? ...........................................................................................................

Paid staff or management (include compensation in expenses reported on lines 1c through 1i)? ........

Media advertisements? ...................................................................................................

Mailings to members, legislators, or the public? .............................................................................

Publications, or published or broadcast statements? ...........................................................

Grants to other organizations for lobbying purposes? ..........................................................

Direct contact with legislators, their staffs, government officials, or a legislative body? .......................

Rallies, demonstrations, seminars, conventions, speeches, lectures, or any similar means? ..................

Other activities? ...................................................................................................................

Total. Add lines 1c through 1i ....................................................................................................

Did the activities in line 1 cause the organization to be not described in section 501(c)(3)? .....

If "Yes," enter the amount of any tax incurred under section 4912 ...........................................

If "Yes," enter the amount of any tax incurred by organization managers under section 4912 ...................

If the filing organization incurred a section 4912 tax, did it file Form 4720 for this year? ........................

Part III-A

Complete if the organization is exempt under section 501(c)(4), section 501(c)(5), or section 501(c)(6).

Yes

Were substantially all (90% or more) dues received nondeductible by members? ...............................................

Did the organization make only in-house lobbying expenditures of $2,000 or less? ............................................

Did the organization agree to carry over lobbying and political expenditures from the prior year? .................................

Part III-B

Complete if the organization is exempt under section 501(c)(4), section 501(c)(5), or section 501(c)(6) and if either (a) BOTH Part III-A, lines 1 and 2, are answered "No" OR (b) Part III-A, line 3, is answered “Yes."

Dues, assessments and similar amounts from members ......................................................................

Section 162(e) nondeductible lobbying and political expenditures (do not include amounts of political expenses for which the section 527(f) tax was paid).

Current year .............................................................................................................................

Carryover from last year ............................................................................................................

Total ...........................................................................................................................................

Aggregate amount reported in section 6033(e)(1)(A) notices of nondeductible section 162(e) dues .

If notices were sent and the amount on line 2c exceeds the amount on line 3, what portion of the excess does the organization agree to carryover to the reasonable estimate of nondeductible lobbying and political expenditure next year? ......................................................................................................................

Taxable amount of lobbying and political expenditures. See Instructions .........................................

Part IV

Supplemental Information

Provide the descriptions required for Part I-A, line 1; Part I-B, line 4; Part I-C, line 5; Part II-A (affiliated group list); Part II-A, lines 1 and 2 (see instructions), and Part II-B, line 1. Also, complete this part for any additional information.

Return Reference	Explanation
PART I-A, LINE 1:	THE CREDIT UNION CONTRIBUTES TO INDIVIDUALS RUNNING FOR OFFICES WHO SUPPORT CREDIT UNION ISSUES. THE CREDIT UNION WAS UNABLE TO OBTAIN AN EIN FOR FOLLOWING INDIVIDUALS RUNNING FOR STATE ASSEMBLY IN 2025. FOLLOWING ARE THE NAMES, ADDRESSES AND FPPC# OF THE CAMPAIGNS. BOB ARCHULETA FOR SENATE 2026 1021 O STREET, SUITE 6620 SACRAMENTO, CA 95814 ID# 1456585 TONY STRICKLAND FOR SENATE 2026 1021 O STREET, SUITE 6730 SACRAMENTO, CA 95814 ID# 1467958 LAURA RICHARDSON FOR SENATE 2028 1210 O STREET, SUITE 7340 SACRAMENTO, CA 95814 ID# 1478890 AVELINO VALENCIA FOR SENATE 2026 2400 EAST KATELLA AVENUE, SUITE 640 ANAHEIM, CA 92806 ID# 1477383 ROSILICIE OCHOA BOGH FOR SENATE 2028 1021 O STREET, ROOM 7220 SACRAMENTO, CA 95814 ID# 1477276 THE CREDIT UNION WAS UNABLE TO OBTAIN AN EIN FOR FOLLOWING INDIVIDUAL RUNNING FOR CONGRESS IN 2025. FOLLOWING IS THE NAME, ADDRESS AND FPPC# OF THE CAMPAIGN. COTTIE PETRIE-NORRIS FOR ASSEMBLY 2026 1021 O STREET, SUITE 8120 SACRAMENTO, CA 95815 ID# 1476936 MIKE FONG FOR ASSEMBLY 2026 1411 S. GARFIELD AVENUE, SUITE 307 ALHAMBRA, CA 91801 ID# 1477447 BLANCA PACHECO FOR ASSEMBLY 2026 1021 O STREET, SUITE 4510 SACRAMENTO, CA 95814 ID# 1476868 JESSE GABRIEL FOR ASSEMBLY 2026 16501 VENTURA BLVD, SUITE 620 ENCINO, CA 91436 ID# 1476845 JOHN HARABEDIAN FOR ASSEMBLY 2026 257 S . FAIR OAKS AVENUE, SUITE 210 PASADENA, CA 91105 ID# 1477449 PHILLIP CHEN FOR ASSEMBLY 2026 18340 YORBA LINDA BLVD, SUITE 107-601 YORBA LINDA, CA 92886 ID# 1476729 BLANCA RUBIO FOR ASSEMBLY 2026 1021 O STREET, SUITE 5250 SACRAMENTO, CA 95814 ID# 1477068 MICHELLE RODRIGUEZ FOR ASSEMBLY 2026 13160 7TH STREET CHINO, CA 91710 ID# 1477034 THE CREDIT UNION WAS UNABLE TO OBTAIN AN EIN FOR FOLLOWING CREDIT UNION LEAGUE. FOLLOWING IS THE NAME, ADDRESS AND FPPC# OF THE LEAGUE. SAN DIEGO CREDIT UNIONS' PAC 5890 PACIFIC CENTER BLVD. SAN DIEGO, CA 92123 ID# 1239870

Return Reference

Explanation

PART I-A, LINE 1:

THE CREDIT UNION CONTRIBUTES TO INDIVIDUALS RUNNING FOR OFFICES WHO SUPPORT CREDIT UNION ISSUES. THE CREDIT UNION WAS UNABLE TO OBTAIN AN EIN FOR FOLLOWING INDIVIDUALS RUNNING FOR STATE ASSEMBLY IN 2025. FOLLOWING ARE THE NAMES, ADDRESSES AND FPPC# OF THE CAMPAIGNS. BOB ARCHULETA FOR SENATE 2026 1021 O STREET, SUITE 6620 SACRAMENTO, CA 95814 ID# 1456585 TONY STRICKLAND FOR SENATE 2026 1021 O STREET, SUITE 6730 SACRAMENTO, CA 95814 ID# 1467958 LAURA RICHARDSON FOR SENATE 2028 1210 O STREET, SUITE 7340 SACRAMENTO, CA 95814 ID# 1478890 AVELINO VALENCIA FOR SENATE 2026 2400 EAST KATELLA AVENUE, SUITE 640 ANAHEIM, CA 92806 ID# 1477383 ROSILICIE OCHOA BOGH FOR SENATE 2028 1021 O STREET, ROOM 7220 SACRAMENTO, CA 95814 ID# 1477276 THE CREDIT UNION WAS UNABLE TO OBTAIN AN EIN FOR FOLLOWING INDIVIDUAL RUNNING FOR CONGRESS IN 2025. FOLLOWING IS THE NAME, ADDRESS AND FPPC# OF THE CAMPAIGN. COTTIE PETRIE-NORRIS FOR ASSEMBLY 2026 1021 O STREET, SUITE 8120 SACRAMENTO, CA 95815 ID# 1476936 MIKE FONG FOR ASSEMBLY 2026 1411 S. GARFIELD AVENUE, SUITE 307 ALHAMBRA, CA 91801 ID# 1477447 BLANCA PACHECO FOR ASSEMBLY 2026 1021 O STREET, SUITE 4510 SACRAMENTO, CA 95814 ID# 1476868 JESSE GABRIEL FOR ASSEMBLY 2026 16501 VENTURA BLVD, SUITE 620 ENCINO, CA 91436 ID# 1476845 JOHN HARABEDIAN FOR ASSEMBLY 2026 257 S . FAIR OAKS AVENUE, SUITE 210 PASADENA, CA 91105 ID# 1477449 PHILLIP CHEN FOR ASSEMBLY 2026 18340 YORBA LINDA BLVD, SUITE 107-601 YORBA LINDA, CA 92886 ID# 1476729 BLANCA RUBIO FOR ASSEMBLY 2026 1021 O STREET, SUITE 5250 SACRAMENTO, CA 95814 ID# 1477068 MICHELLE RODRIGUEZ FOR ASSEMBLY 2026 13160 7TH STREET CHINO, CA 91710 ID# 1477034 THE CREDIT UNION WAS UNABLE TO OBTAIN AN EIN FOR FOLLOWING CREDIT UNION LEAGUE. FOLLOWING IS THE NAME, ADDRESS AND FPPC# OF THE LEAGUE. SAN DIEGO CREDIT UNIONS' PAC 5890 PACIFIC CENTER BLVD. SAN DIEGO, CA 92123 ID# 1239870

Schedule C (Form 990) 2025

Additional Data

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Schedule I
(Form 990)
(Rev. January 2025)

Department of the Treasury
Internal Revenue Service

Grants and Other Assistance to Organizations,
Governments and Individuals in the United States

Complete if the organization answered "Yes," on Form 990, Part IV, line 21 or 22.
Attach to Form 990.
Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

Open to Public
Inspection

Name of the organization
CALIFORNIA CREDIT UNION

Employer identification number
95-0951410

Part I

General Information on Grants and Assistance

Does the organization maintain records to substantiate the amount of the grants or assistance, the grantees' eligibility for the grants or assistance, and
the selection criteria used to award the grants or assistance? ........................

Yes No

Describe in Part IV the organization's procedures for monitoring the use of grant funds in the United States.

Part II

Grants and Other Assistance to Domestic Organizations and Domestic Governments. Complete if the organization answered "Yes" on Form 990, Part IV, line 21, for any recipient

that received more than $5,000. Part II can be duplicated if additional space is needed.

(a) Name and address of organization or government	(b) EIN	(c) IRC section (if applicable)	(d) Amount of cash grant	(f) Method of valuation (book, FMV, appraisal, other)	(h) Purpose of grant or assistance
(1) CHILDREN'S MIRACLE NETWORK 205 WEST 700 SOUTH SALT LAKE CITY,UT84101	87-0387205	501(C)(3)	23,200	FMV	TO RAISE FUNDS AND AWARENESS FOR LOCAL CHILDREN'S HOSPITALS IN CALIFORNIA AND NEVADA.
(2) SAN DIEGO AIR & SPACE MUSEUM 2001 PAN AMERICAN PLAZA SAN DIEGO,CA92101	95-2253027	501(C)(3)	15,000	FMV	TO ASSIST IN GROWING THE MUSEUM'S YOUTH EDUCATION PROGRAMS.
(3) CALIFORNIA CREDIT UNION FOUNDATION 515 S FIGUEROA ST STE 1110 LOS ANGELES,CA90071	93-1738634	501(C)(3)	100,000	FMV	TO EMPOWER LOCAL COMMUNITIES BY FUNDING STUDENT SCHOLARSHIPS, TEACHER GRANTS, AND EDUCATIONAL INITIATIVES THAT PROMOTE FINANCIAL WELL-BEING AND COMMUNITY GROWTH.
(4) ASSOCIATED ADMINISTRATORS OF LOS ANGELES 1910 WEST SUNSET BLVD STE 850 LOS ANGELES,CA90026	95-3670035	501(C)(5)	5,500	FMV	TO SPONSOR THE SPRING AND FALL REPRESENTATIVE MEETINGS.
(5) CA COUNCIL ON ECONOMIC EDUCATION 3605 LONG BEACH BLVD 334 LONG BEACH,CA90807	33-0237320	501(C)(3)	7,000	FMV	TO HELP SUPPORT THE BIPOC FINANCIAL LITERACY IN TITLE SCHOOLS, AND ASSIST WITH THE ECONOMIC AND FINANCIAL LITERACY PROGRAMS.
(6) CLASSROOM OF THE FUTURE FOUNDATION 6401 LINDA VISTA ROAD ROOM 207 SAN DIEGO,CA92111	33-0765068	501(C)(3)	11,600	FMV	TO PROVIDE SUPPORT TO STUDENT LEARNING, SCHOLARSHIP PROGRAMS, EDUCATOR NETWORKING AND RECOGNITION EVENTS THROUGHOUT THE YEAR.
(7) CHULA VISTA ELEMENTARY SCHOOL DISTRICT 84 EAST J ST CHULA VISTA,CA91910	95-6000613	501(C)(3)	5,560	FMV	TO HELP PROVIDE CVESD STAFF WITH FINANCIAL RESOURCES DURING ORIENTATIONS AND SUPPORTS LOCAL SCHOOL PROGRAMS, AS WELL AS SPONSOR APPRECIATION RECEPTIONS.
(8) EASTLAKE EDUCATIONAL FOUNDATION PO BOX 210004 CHULA VISTA,CA91921	33-0678106	501(C)(3)	6,000	FMV	TO IMPROVE AND SUPPORT THE QUALITY OF EDUCATION THROUGH STEAM INITIATIVES.
(9) GREATER LOS ANGELES EDUCATION FOUNDATION 9300 IMPERIAL HIGHWAY EC 106 DOWNEY,CA90242	47-4426889	501(C)(3)	27,900	FMV	TO HELP PROVIDE RESOURCES FOR EDUCATORS, SUPPORTIVE LEARNING AND ASSIST IN SPONSORING THE ACADEMIC DECATHLON.
(10) LOS ANGELES UNIFIED SCHOOL DISTRICT 333 S BEAUDRY AVE 24TH FLOOR LOS ANGELES,CA90017	95-6001908	501(C)(3)	29,936	FMV	DISTRICT TEACHERS OF THE YEAR; PRINCIPAL AND ASSISTANT PRINCIPAL OF THE YEAR; EVERYDAY HEROES; NBCT TO HELP STUDENTS ACHIEVE ACADEMIC SUCCESS THROUGH EDUCATIONAL PROGRAMSAND SUPPORT TEACHERS BY SPONSORING YEARLY AWARDS.
(11) LOS ANGELES UNIFIED SCHOOL DISTRICT EDUCATION FOUNDATION 333 S BEAUDRY AVE 24TH FLOOR LOS ANGELES,CA90017	68-0503221	501(C)(3)	25,000	FMV	TO HELP STRENGTHEN TARGETED DISTRICT PROGRAMS AND LEARNING INITIATIVES, ENSURING EQUITABLE OPPORTUNITIES FOR EVERY CHILD'S ACADEMIC SUCCESS
(12) LOS ANGELES CITY SCHOOLS AUXILIARY SERVICES TRUST FUND 333 SOUTH BEAUDRY LOS ANGELES,CA90017	95-6001917	501(C)(3)	10,000	FMV	TO SUPPORT STUDENT-RELATED ACTIVITIES, DISTRICT-WIDE ATHLETIC AND MUSICAL EVENTS.
(13) NORTH COUNTY AFRICAN AMERICAN WOMENS ASSOCIATION 4140 OCEANSIDE BLVD 159-61 OCEANSIDE,CA92056	33-0678934	501(C)(3)	10,000	FMV	TO SPONSOR STUDENT SCHOLARSHIPS AND HELP FOSTER CULTURAL APPRECIATION THROUGH EDUCATION.
(14) PASADENA EDUCATIONAL FOUNDATION 351 SOUTH HUDSON AVE ROOM 153 PASADENA,CA91101	23-7149451	501(C)(3)	6,991	FMV	TO ASSIST AND SPONSOR EVENTS THAT HELP IMPROVE EDUCATIONAL RESOURCES.
(15) SAN DIEGO EDUCATORS ASSOCIATION 10393 SAN DIEGO MISSION RD 100 SAN DIEGO,CA92108	95-1185804	501(C)(5)	5,200	FMV	TO HELP SPONSOR EVENTS THAT SUPPORT AND SHOW APPRECIATION TO EDUCATORS.
(16) UNITED TEACHERS LOS ANGELES 3303 WILSHIRE BLVD 10TH FLOOR LOS ANGELES,CA90010	95-2635019	501(C)(5)	7,000	FMV	TO ASSIST IN SPONSORING EQUITY IN PUBLIC EDUCATION THROUGH THE ANNUAL LEADERSHIP CONFERENCE.
(17) UNITED TEACHERS EDUCATIONAL FOUNDATION 3303 WILSHIRE BLVD 10TH FLOOR LOS ANGELES,CA90010	95-4267060	501(C)(3)	6,500	FMV	TO HELP ASSIST TEACHERS IN THEIR PROFESSION THROUGH SEMINARS AND ADVANCED TRAINING EVENTS.
(18) WILLIAM S HART EDUCATION FOUNDATION 21380 CENTRE POINTE PARKWAY SANTA CLARITA,CA91350	45-4705593	501(C)(3)	7,740	FMV	TO HELP BENEFIT STUDENTS AND THE COMMUNITY WELLNESS THROUGH EDUCATIONAL PROGRAMS, STEM, LITERACY, SPECIAL EDUCATION, ARTS, COLLEGE AND CAREER READINESS.
(19) SCRIPPS HOWARD FUND 312 WALNUT ST STE 2800 CINCINNATI,OH45202	87-2877540	501(C)(3)	5,000	FMV	TO ASSIST IN THE PURCHASE OF BOOKS THAT ARE PROVIDED TO TITLE I SCHOOLS TO REACH UNDERSERVED CHILDREN.
(20) FRIENDS OF AALA 1910 WEST SUNSET BLVD STE 850 LOS ANGELES,CA90026	27-4630433	501(C)(3)	5,000	FMV	TO HELP PROVIDE SCHOLARSHIPS TO STUDENTS IN LAUSD.

Enter total number of section 501(c)(3) and government organizations listed in the line 1 table .................

Enter total number of other organizations listed in the line 1 table ........................ .

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 50055P

Schedule I (Form 990) Rev. 1-2025

Page 2

Part III

Grants and Other Assistance to Domestic Individuals. Complete if the organization answered "Yes" on Form 990, Part IV, line 22.
Part III can be duplicated if additional space is needed.

(a) Type of grant or assistance	(b) Number of recipients	(c) Amount of cash grant	(d) Amount of noncash assistance	(e) Method of valuation (book, FMV, appraisal, other)	(f) Description of noncash assistance

(1) SCHOLARSHIPS	4	10,000	FMV
(1)
(2)
(3)
(4)
(5)
(6)
(7)

Part IV

Supplemental Information. Provide the information required in Part I, line 2; Part III, column (b); and any other additional information.

Return Reference	Explanation

Schedule I (Form 990) Rev. 1-2025

Additional Data

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Software Version:

- TIN:

Schedule J
(Form 990)
(Rev. January 2025)

Department of the Treasury
Internal Revenue Service

Compensation Information

For certain Officers, Directors, Trustees, Key Employees, and Highest
Compensated Employees
Complete if the organization answered "Yes" on Form 990, Part IV, line 23.
Attach to Form 990.
Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

Open to Public Inspection

Name of the organization

CALIFORNIA CREDIT UNION

Employer identification number

95-0951410

Part I

Questions Regarding Compensation

Yes

Check the appropiate box(es) if the organization provided any of the following to or for a person listed on Form
990, Part VII, Section A, line 1a. Complete Part III to provide any relevant information regarding these items.

First-class or charter travel Housing allowance or residence for personal use

Travel for companions Payments for business use of personal residence

Tax idemnification and gross-up payments Health or social club dues or initiation fees

Discretionary spending account Personal services (e.g., maid, chauffeur, chef)

If any of the boxes on Line 1a are checked, did the organization follow a written policy regarding payment or reimbursement or provision of all of the expenses described above? If "No," complete Part III to explain .....

Yes

Did the organization require substantiation prior to reimbursing or allowing expenses incurred by all
directors, trustees, officers, including the CEO/Executive Director, regarding the items checked on Line 1a? ....

Yes

Indicate which, if any, of the following the filing organization used to establish the compensation of the
organization's CEO/Executive Director. Check all that apply. Do not check any boxes for methods
used by a related organization to establish compensation of the CEO/Executive Director, but explain in Part III.

Compensation committee Written employment contract

Independent compensation consultant Compensation survey or study

Form 990 of other organizations Approval by the board or compensation committee

During the year, did any person listed on Form 990, Part VII, Section A, line 1a, with respect to the filing organization or a related organization:

Receive a severance payment or change-of-control payment? .............

Participate in, or receive payment from, a supplemental nonqualified retirement plan? .........

Yes

Participate in, or receive payment from, an equity-based compensation arrangement? .........

If "Yes" to any of lines 4a-c, list the persons and provide the applicable amounts for each item in Part III.

Only 501(c)(3), 501(c)(4), and 501(c)(29) organizations must complete lines 5-9.

For persons listed on Form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the revenues of:

The organization? ....................

Any related organization? .......................

If "Yes," on line 5a or 5b, describe in Part III.

For persons listed on Form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the net earnings of:

The organization? ..................

Any related organization? ......................

If "Yes," on line 6a or 6b, describe in Part III.

For persons listed on Form 990, Part VII, Section A, line 1a, did the organization provide any nonfixed
payments not described in lines 5 and 6? If "Yes," describe in Part III ............

Were any amounts reported on Form 990, Part VII, paid or accured pursuant to a contract that was
subject to the initial contract exception described in Regulations section 53.4958-4(a)(3)? If "Yes," describe
in Part III ..........................

If "Yes" on line 8, did the organization also follow the rebuttable presumption procedure described in Regulations section 53.4958-6(c)? .........................

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 50053T

Schedule J (Form 990) (Rev. 1-2025)

Page 2

Part II

Officers, Directors, Trustees, Key Employees, and Highest Compensated Employees. Use duplicate copies if additional space is needed.

For each individual whose compensation must be reported on Schedule J, report compensation from the organization on row (i) and from related organizations, described in the
instructions, on row (ii). Do not list any individuals that are not listed on Form 990, Part VII.
Note. The sum of columns (B)(i)-(iii) for each listed individual must equal the total amount of Form 990, Part VII, Section A, line 1a, applicable column (D) and (E) amounts for that individual.

(A) Name and Title		(B) Breakdown of W-2, 1099-MISC compensation, and/or 1099-NEC			(C) Retirement and other deferred compensation	(D) Nontaxable benefits	(E) Total of columns (B)(i)-(D)	(F) Compensation in column (B) reported as deferred on prior Form 990
(A) Name and Title		(i) Base compensation	(ii) Bonus & incentive compensation	(iii) Other reportable compensation	(C) Retirement and other deferred compensation	(D) Nontaxable benefits	(E) Total of columns (B)(i)-(D)
1STEVEN O'CONNELL PRESIDENT, CEO	(i) (ii)	966,015 ------------- 0	218,563 ------------- 0	35,760 ------------- 0	21,000 ------------- 0	54,154 ------------- 0	1,295,492 ------------- 0	0 ------------- 0
2MARK LOVEWELL EVP, CFO AND PRESIDENT OF CUSO OPS	(i) (ii)	537,825 ------------- 0	134,355 ------------- 0	21,672 ------------- 0	21,000 ------------- 0	37,906 ------------- 0	752,758 ------------- 0	0 ------------- 0
3JOHN BRETTHAUER EVP, CHIEF ADMINISTRATIVE OFFICER	(i) (ii)	450,774 ------------- 0	95,004 ------------- 0	1,017,768 ------------- 0	21,000 ------------- 0	54,155 ------------- 0	1,638,701 ------------- 0	0 ------------- 0
4ROBERT O'GRADY EVP, CHIEF OPERATING OFFICER	(i) (ii)	680,509 ------------- 0	167,232 ------------- 0	16,178 ------------- 0	21,000 ------------- 0	37,906 ------------- 0	922,825 ------------- 0	0 ------------- 0
5HUDSON LEE EVP, CHIEF RISK OFFICER	(i) (ii)	470,751 ------------- 0	98,273 ------------- 0	17,212 ------------- 0	21,000 ------------- 0	37,906 ------------- 0	645,142 ------------- 0	0 ------------- 0
6RICHARD HUBENY EVP, CHIEF LENDING OFFICER	(i) (ii)	416,650 ------------- 0	87,519 ------------- 0	46,019 ------------- 0	21,000 ------------- 0	46,350 ------------- 0	617,538 ------------- 0	0 ------------- 0
7PATRICK ZARIFIAN EVP, CHIEF EXPERIENCE OFFICER	(i) (ii)	379,672 ------------- 0	61,821 ------------- 0	43,383 ------------- 0	21,000 ------------- 0	54,154 ------------- 0	560,030 ------------- 0	0 ------------- 0
8CHARLES LACUESTA SVP, CHIEF INFORMATION OFFICER	(i) (ii)	326,281 ------------- 0	53,887 ------------- 0	29,495 ------------- 0	21,000 ------------- 0	16,010 ------------- 0	446,673 ------------- 0	0 ------------- 0
9FRANK BERRIZ CMT PRESIDENT, CEO	(i) (ii)	228,076 ------------- 0	150,000 ------------- 0	11,162 ------------- 0	15,909 ------------- 0	38,385 ------------- 0	443,532 ------------- 0	0 ------------- 0
10MARVEL FORD SVP, CHIEF ADVOCACY OFFICER	(i) (ii)	280,804 ------------- 0	46,741 ------------- 0	16,474 ------------- 0	19,017 ------------- 0	16,010 ------------- 0	379,046 ------------- 0	0 ------------- 0
11JILL VASANT EVP, CHIEF MARKETING OFFICER	(i) (ii)	384,670 ------------- 0	55,935 ------------- 0	11,597 ------------- 0	21,000 ------------- 0	13,642 ------------- 0	486,844 ------------- 0	0 ------------- 0
12SAM NOP VP, CONTROLLER	(i) (ii)	248,027 ------------- 0	33,273 ------------- 0	20,933 ------------- 0	17,459 ------------- 0	33,593 ------------- 0	353,285 ------------- 0	0 ------------- 0
13JASON PUGH SVP, MORTGAGE LENDING	(i) (ii)	251,855 ------------- 0	31,238 ------------- 0	5,057 ------------- 0	17,777 ------------- 0	34,683 ------------- 0	340,610 ------------- 0	0 ------------- 0
14AMADA MORALES SVP, HUMAN RESOURCES	(i) (ii)	227,905 ------------- 0	29,198 ------------- 0	27,269 ------------- 0	16,948 ------------- 0	26,492 ------------- 0	327,812 ------------- 0	0 ------------- 0
15BLANCA DONAHUE SVP, OPERATIONS	(i) (ii)	226,576 ------------- 0	28,390 ------------- 0	27,773 ------------- 0	17,527 ------------- 0	36,914 ------------- 0	337,180 ------------- 0	0 ------------- 0
16KIMBERLY SMITH SVP, CONSUMER LENDING	(i) (ii)	238,653 ------------- 0	29,496 ------------- 0	10,012 ------------- 0	17,099 ------------- 0	32,944 ------------- 0	328,204 ------------- 0	0 ------------- 0
17KATI MARIE TARQUINI VP, COMPLIANCE AND VENDOR MANAGEMENT	(i) (ii)	182,704 ------------- 0	23,406 ------------- 0	680 ------------- 0	12,410 ------------- 0	36 ------------- 0	219,236 ------------- 0	0 ------------- 0
18IRMA A JIMENEZ VP, MORTGAGE LOAN OFFICER	(i) (ii)	31,060 ------------- 0	1,086,176 ------------- 0	10,545 ------------- 0	21,000 ------------- 0	13,777 ------------- 0	1,162,558 ------------- 0	0 ------------- 0
19KEVIN ANDREW WITOWICH FINANCIAL ADVISOR	(i) (ii)	173,860 ------------- 0	506,990 ------------- 0	484 ------------- 0	21,000 ------------- 0	46,349 ------------- 0	748,683 ------------- 0	0 ------------- 0
20MARGARET VOSKANIAN VP, MORTGAGE LOAN OFFICER	(i) (ii)	25,572 ------------- 0	469,179 ------------- 0	11,998 ------------- 0	20,543 ------------- 0	32,944 ------------- 0	560,236 ------------- 0	0 ------------- 0
21CARLO ALBERT BOTON FINANCIAL ADVISOR	(i) (ii)	47,332 ------------- 0	448,784 ------------- 0	944 ------------- 0	16,737 ------------- 0	800 ------------- 0	514,597 ------------- 0	0 ------------- 0
22BRIAN JAMES VENN VP, PROGRAM MANAGER	(i) (ii)	163,680 ------------- 0	166,658 ------------- 0	20,722 ------------- 0	8,963 ------------- 0	55,070 ------------- 0	415,093 ------------- 0	0 ------------- 0

Schedule J (Form 990) (Rev. 1-2025)

Page 3

Part III

Supplemental Information

Provide the information, explanation, or descriptions required for Part I, lines 1a, 1b, 3, 4a, 4b, 4c, 5a, 5b, 6a, 6b, 7, and 8, and for Part II. Also complete this part for any additional information.

Return Reference	Explanation
PART I, LINE 1A	COMPANION TRAVEL IS REPORTED AS NONEMPLOYEE COMPENSATION ON FORM 1099-MISC ISSUED TO THE COMPANION.
PART I, LINE 4B	THE CREDIT UNION HAS A NONQUALIFIED DEFERRED COMPENSATION PLAN FOR CERTAIN EXECUTIVES UNDER IRC SECTION 457(F). TO SUPPORT THE DEFERRED COMPENSATION PLAN, THE CREDIT UNION HAS ELECTED TO PURCHASE CREDIT UNION OWNED VARIABLE LIFE INSURANCE AND VARIABLE ANNUITIES. THE CASH SURRENDER VALUE OF THESE INVESTMENTS, INCLUDED IN OTHER ASSETS, WAS $9 MILLION AND $9.4 MILLION AS OF DECEMBER 31, 2025 AND 2024, RESPECTIVELY. THE CURRENT PARTICIPANTS ARE MARK LOVEWELL, JOHN BRETTHAUER, ROBERT O'GRADY, AND HUDSON LEE.

Return Reference

Explanation

PART I, LINE 1A

COMPANION TRAVEL IS REPORTED AS NONEMPLOYEE COMPENSATION ON FORM 1099-MISC ISSUED TO THE COMPANION.

PART I, LINE 4B

THE CREDIT UNION HAS A NONQUALIFIED DEFERRED COMPENSATION PLAN FOR CERTAIN EXECUTIVES UNDER IRC SECTION 457(F). TO SUPPORT THE DEFERRED COMPENSATION PLAN, THE CREDIT UNION HAS ELECTED TO PURCHASE CREDIT UNION OWNED VARIABLE LIFE INSURANCE AND VARIABLE ANNUITIES. THE CASH SURRENDER VALUE OF THESE INVESTMENTS, INCLUDED IN OTHER ASSETS, WAS $9 MILLION AND $9.4 MILLION AS OF DECEMBER 31, 2025 AND 2024, RESPECTIVELY. THE CURRENT PARTICIPANTS ARE MARK LOVEWELL, JOHN BRETTHAUER, ROBERT O'GRADY, AND HUDSON LEE.

Schedule J (Form 990) (Rev. 1-2025)

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SCHEDULE N
(Form 990)

Department of the Treasury
Internal Revenue Service

Liquidation, Termination, Dissolution, or Significant Disposition of Assets
Complete if the organization answered "Yes" on Form 990, Part IV, lines 31 or 32; or Form 990-EZ, line 36.
Attach certified copies of any articles of dissolution, resolutions, or plans.
Attach to Form 990 or 990-EZ.
Go to www.irs.gov/Form990 for the latest information.

OMB No. 1545-0047

2025

Open to Public
Inspection

Name of the organization
CALIFORNIA CREDIT UNION

Employer identification number
95-0951410

Part I

Liquidation, Termination, or Dissolution. Complete this part if the organization answered "Yes" on Form 990, Part IV, line 31, or Form 990-EZ, line 36. Part I can be duplicated if additional space is needed.

1(a) Description of asset(s) distributed or transaction expenses paid	(b) Date of distribution	(c) Fair market value of asset(s) distributed or amount of transaction expenses	(d) Method of determining FMV for asset(s) distributed or transaction expenses	(e) EIN of recipient	(f) Name and address of recipient	(g) IRC section of recipient(s) (if tax-exempt) or type of entity
TRANSFER OF NET ASSETS	12-31-2025	223,611,302	BOOK VALUE	95-0951410	CALIFORNIA FEDERAL CREDIT UNION 701 NORTH BRAND BLVD 7TH FLOOR GLENDALE,CA91203	501(C)(1)

Yes

Did or will any officer, director, trustee, or key employee of the organization:

Become a director or trustee of a successor or transferee organization? ...........................

Yes

Become an employee of, or independent contractor for, a successor or transferee organization? .....................

Yes

Become a direct or indirect owner of a successor or transferee organization? .........................

Receive, or become entitled to, compensation or other similar payments as a result of the organization's liquidation, termination, or dissolution? ........

If the organization answered "Yes" to any of the questions on lines 2a through 2d, provide the name of the person involved and explain in Part III.

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 50087Z

Schedule N (Form 990) (2025)

Page 2

Part I

Liquidation, Termination, or Dissolution (continued)

Note. If the organization distributed all of its assets during the tax year, then Form 990, Part X, column (B), line 16 (Total assets), and line 26 (Total liabilities), should equal -0-.

Yes

Did the organization distribute its assets in accordance with its governing instrument(s)? If "No," describe in Part III ...............

Is the organization required to notify the attorney general or other appropriate state official of its intent to dissolve, liquidate, or terminate? .........

Yes

If "Yes," did the organization provide such notice? ................................

Yes

Did the organization discharge or pay all of its liabilities in accordance with state laws? .......................

Did the organization have any tax-exempt bonds outstanding during the year? .........................

If "Yes" on line 6a, did the organization discharge or defease all of its tax-exempt bond liabilities during the tax year in accordance with the Internal Revenue Code and state laws?

If "Yes" on line 6b, describe in Part III how the organization defeased or otherwise settled these liabilities. If "No" on line 6b, explain in Part III.

Part II

Sale, Exchange, Disposition, or Other Transfer of More Than 25% of the Organization's Assets. Complete this part if the organization answered "Yes" on Form 990, Part IV, line 32, or Form 990-EZ, line 36. Part II can be duplicated if additional space is needed.

1(a) Description of asset(s) distributed or transaction expenses paid	(b) Date of distribution	(c) Fair market value of asset(s) distributed or amount of transaction expenses	(d) Method of determining FMV for asset(s) distributed or transaction expenses	(e) EIN of recipient	(f) Name and address of recipient	(g) IRC section of recipient(s) (if tax-exempt) or type of entity

Yes

Did or will any officer, director, trustee, or key employee of the organization:

Become a director or trustee of a successor or transferee organization? ...........................

Become an employee of, or independent contractor for, a successor or transferee organization? .....................

Become a direct or indirect owner of a successor or transferee organization? .........................

Receive, or become entitled to, compensation or other similar payments as a result of the organization's significant disposition of assets? ..........

If the organization answered "Yes" to any of the questions on lines 2a through 2d, provide the name of the person involved and explain in Part III.

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 50087Z

Schedule N (Form 990) (2025)

Page 3

Part III

Supplemental Information. Provide the information required by Part I, lines 2e and 6c, and Part II, line 2e. Also complete this part to provide any additional information.

Return Reference	Explanation

PART I, LINE 2E:

EXPLANATION OF INVOLVEMENT: ALL BOARD MEMBERS AND EMPLOYEES WILL KEEP THEIR ROLES AT CALIFORNIA CREDIT UNION. THE CREDIT UNION IS CONVERTING FROM A STATE CHARTER TO A FEDERAL CHARTER. NO TRANSFER OF ASSETS ACTUALLY TRANSPIRED. ALL EMPLOYEES AND BOARD MEMBERS WILL REMAIN IN THEIR ROLES AT THE CREDIT UNION. THE CREDIT UNION IS FILING A FINAL FORM 990 FOR THE TAX PERIOD THAT ENDED WITH THE CONVERSION TO A FEDERAL CHARTER.

Schedule N (Form 990) (2025)

Additional Data

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SCHEDULE O
(Form 990)
(Rev. January 2025)
Department of the Treasury
Internal Revenue Service

Supplemental Information to Form 990 or 990-EZ

Complete to provide information for responses to specific questions on
Form 990 or 990-EZ or to provide any additional information.
Attach to Form 990 or 990-EZ.
Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

Open to Public
Inspection

Name of the organization

CALIFORNIA CREDIT UNION

Employer identification number

95-0951410

Return Reference	Explanation
FORM 990, PAGE 1, BOX B- FINAL RETURN:	CALIFORNIA CREDIT UNION CONVERTED TO A FEDERAL CHARTER EFFECTIVE OCTOBER 29, 2025. WITH THIS CONVERSION, THE ORGANIZATION, UNDER SECTION 501(C)(1), IS NO LOGER REQUIRED TO FILE ANNUAL INFORMATION RETURNS. AS SUCH, THIS IS THE FINAL TAX RETURN FOR THE PERIOD JANUARY 1, 2025 THROUGH DECEMBER 31,2025.
FORM 990, PART IV, LINE 26:	THE CREDIT UNION ENTERED INTO THREE NEW SPLIT-DOLLAR LIFE INSURANCE AGREEMENTS DURING THE YEAR WITH CERTAIN OFFICERS. THESE ARRANGEMENTS ARE BEING REPORTED IN CONNECTION WITH THE CREDIT UNION'S FINAL FORM 990 FILING AS A STATE-CHARTERED CREDIT UNION PRIOR TO ITS CONVERSION TO A FEDERALLY CHARTERED CREDIT UNION. AS REQUIRED UNDER 26 C.F.R. 1.7872-15(D)(2), THE CREDIT UNION IS INCLUDING A REPRESENTATION FOR EACH NEW SPLIT-DOLLAR AGREEMENT. EACH REPRESENTATION IS INTENDED TO SATISFY THE REGULATORY REQUIREMENT APPLICABLE TO SPLIT-DOLLAR LOAN ARRANGEMENTS AND TO DOCUMENT THE PARTIES' EXPECTATION THAT THE AMOUNTS ADVANCED UNDER THE ARRANGEMENT WILL BE REPAID IN ACCORDANCE WITH THE TERMS OF THE AGREEMENT. COPIES OF THE APPLICABLE REPRESENTATIONS ARE ATTACHED FOR EACH OF THE THREE NEW AGREEMENTS.
FORM 990, PART VI, SECTION A, LINE 6	CALIFORNIA CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS, AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. CALIFORNIA CREDIT UNION DOES NOT HAVE STOCKHOLDERS.
FORM 990, PART VI, SECTION A, LINE 7A	THE GOVERNING BOARD OF CALIFORNIA CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY OUR BY-LAWS.
FORM 990, PART VI, SECTION A, LINE 7B	AT THE END OF EACH TERM OF THE BOARD MEMBERS, ELECTIONS ARE HELD AND BOARD MEMBERS ARE VOTED BY THE MEMBERS OF THE CREDIT UNION PURSUANT TO ITS BY-LAWS. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION.
FORM 990, PART VI, SECTION B, LINE 11B	THE ORGANIZATION'S FORM 990, RETURN OF ORGANIZATION EXEMPT FROM INCOME TAX, IS PREPARED BY AN OUTSIDE ACCOUNTING FIRM. COMPLETED FORM IS REVIEWED BY MANAGEMENT AND A COPY IS PROVIDED TO THE BOARD OF DIRECTORS FOR INFORMATIONAL PURPOSES PRIOR TO SUBMISSION.
FORM 990, PART VI, SECTION B, LINE 12C	THERE ARE REGULAR COMPLIANCE REVIEWS BY THE CREDIT UNION'S COMPLIANCE OFFICER WHICH ADDRESSES COMPLIANCE WITH ALL CREDIT UNION POLICIES. IN ADDITION, REGULATORS AND CPA'S MONITOR COMPLIANCE DURING THEIR PERIODIC AND ANNUAL AUDITS.
FORM 990, PART VI, SECTION B, LINE 15	THE VICE PRESIDENT OF HUMAN RESOURCES CONTRACTS WITH EXTERNAL CONSULTING COMPANY, HRN PERFORMANCE SOLUTIONS, WHO PROVIDES MARKET SURVEYS ON COMPENSATION FOR KEY OFFICERS. COMPENSATION COMMITTEE REVIEWS AND APPROVES THE RESULTS.
FORM 990, PART VI, SECTION C, LINE 19	THE ORGANIZATION MAKES DOCUMENTS, POLICIES, AND FINANCIAL STATEMENTS AVAILABLE TO MEMBERS UPON REQUEST BY PROVIDING PAPER OR ELECTRONIC COPIES BY WHICHEVER MEANS REQUESTED.
FORM 990, PART VI, SECTION A, LINE 4:	THE CREDIT UNION SOLD CUSO SUBSIDIARY, CALIFORNIA MEMBERS TITLE COMPANY (CMTC), IN MARCH 2025.
FORM 990, PART XI, LINE 9:	TRANSFER OF NET ASSETS DUE TO CONVERSION TO A FEDERAL CREDIT UNION -223,611,302.
FORM 990, PART XII, LINE 2C:	THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR.

For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.

Cat. No. 51056K

Schedule O (Form 990) (Rev. 1-2025)

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SCHEDULE R
(Form 990)
(Rev. January 2025)

Department of the Treasury
Internal Revenue Service

Related Organizations and Unrelated Partnerships

Complete if the organization answered "Yes" on Form 990, Part IV, line 33, 34, 35b, 36, or 37.
Attach to Form 990.
Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

Open to Public Inspection

Name of the organization

CALIFORNIA CREDIT UNION

Employer identification number

95-0951410

Part I

Identification of Disregarded Entities. Complete if the organization answered "Yes" on Form 990, Part IV, line 33.

(a) Name, address, and EIN (if applicable) of disregarded entity	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Total income	(e) End-of-year assets	(f) Direct controlling entity

Part II

Identification of Related Tax-Exempt Organizations. Complete if the organization answered "Yes" on Form 990, Part IV, line 34 because it had one or more related tax-exempt organizations during the tax year.

(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Exempt Code section	(e) Public charity status (if section 501(c)(3))	(f) Direct controlling entity	(g) Section 512(b)(13) controlled entity?
(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Exempt Code section	(e) Public charity status (if section 501(c)(3))	(f) Direct controlling entity	Yes	No
(1)CALIFORNIA CREDIT UNION FOUNDATION 701 N BRAND BLVD STE 700 GLENDALE,CA92103 93-1738634	COLLECTION OF CHARITABLE DONATIONS FROM EMPLOYEES AND GENERAL PUBLIC	CA	501(C)(3)	170(B)(1)(A)(VI)	CALIFORNIA CREDIT UNION		No

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 50135Y

Schedule R (Form 990) (Rev. 1-2025)

Page 2

Part III

Identification of Related Organizations Taxable as a Partnership. Complete if the organization answered "Yes" on Form 990, Part IV, line 34, because it had one or more related organizations treated as a partnership during the tax year.

(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Direct controlling entity	(f) Share of total income	(g) Share of end-of-year assets	(h) Disproprtionate allocations?		(i) Code V-UBI amount in box 20 of Schedule K-1 (Form 1065)	(j) General or managing partner?		(k) Percentage ownership
(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Direct controlling entity	(f) Share of total income	(g) Share of end-of-year assets	Yes	No	(i) Code V-UBI amount in box 20 of Schedule K-1 (Form 1065)	Yes	No	(k) Percentage ownership

Part IV

Identification of Related Organizations Taxable as a Corporation or Trust. Complete if the organization answered "Yes" on Form 990, Part IV, line 34 because it had one or more related organizations treated as a corporation or trust during the tax year.

(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Direct controlling entity	(e) Type of entity (C corp, S corp, or trust)	(f) Share of total income	(g) Share of end-of-year assets	(h) Percentage ownership	(i) Section 512(b)(13) controlled entity?
(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Direct controlling entity	(e) Type of entity (C corp, S corp, or trust)	(f) Share of total income	(g) Share of end-of-year assets	(h) Percentage ownership	Yes	No
(1) CALIFORNIA MEMBERS TITLE INSURANCE COMPANY 701 NORTH BRAND BLVD 7TH FLOOR GLENDALE,CA91203 46-5751336	INSURANCE SERVICES	CA	CALIFORNIA MEMBERS HOLDING COMPANY	C	1,054,722	2,792,787	100.000 %	Yes
(2) CALIFORNIA MEMBERS HOLDING COMPANY 701 NORTH BRAND BLVD 7TH FLOOR GLENDALE,CA91203 46-5739707	FINANCIAL SERVICES	CA	CALIFORNIA CREDIT UNION	C		2,792,787	100.000 %	Yes
(3) CALIFORNIA MEMBERS TITLE COMPANY 701 NORTH BRAND BLVD 7TH FLOOR GLENDALE,CA91203 35-2589911	INSURANCE SERVICES	CA	CALIFORNIA CREDIT UNION	C			100.000 %	Yes

Schedule R (Form 990) (Rev. 1-2025)

Page 3

Part V

Transactions With Related Organizations. Complete if the organization answered "Yes" on Form 990, Part IV, line 34, 35b, or 36.

Note. Complete line 1 if any entity is listed in Parts II, III, or IV of this schedule.

Yes

1 During the tax year, did the orgranization engage in any of the following transactions with one or more related organizations listed in Parts II-IV?

a Receipt of (i) interest, (ii) annuities, (iii) royalties, or (iv) rent from a controlled entity .....................

Yes

b Gift, grant, or capital contribution to related organization(s) ............................

Yes

c Gift, grant, or capital contribution from related organization(s) ............................

d Loans or loan guarantees to or for related organization(s) ............................

e Loans or loan guarantees by related organization(s) ............................

f Dividends from related organization(s) ............................

g Sale of assets to related organization(s) ............................

h Purchase of assets from related organization(s) ............................

i Exchange of assets with related organization(s) ............................

j Lease of facilities, equipment, or other assets to related organization(s) .......................

k Lease of facilities, equipment, or other assets from related organization(s) ......................

l Performance of services or membership or fundraising solicitations for related organization(s) .....................

m Performance of services or membership or fundraising solicitations by related organization(s) .................

n Sharing of facilities, equipment, mailing lists, or other assets with related organization(s) ...................

o Sharing of paid employees with related organization(s) ............................

Yes

p Reimbursement paid to related organization(s) for expenses ............................

Yes

q Reimbursement paid by related organization(s) for expenses ............................

r Other transfer of cash or property to related organization(s) ............................

s Other transfer of cash or property from related organization(s) ............................

If the answer to any of the above is "Yes," see the instructions for information on who must complete this line, including covered relationships and transaction thresholds.

(a) Name of related organization	(b) Transaction type (a-s)	(c) Amount involved	(d) Method of determining amount involved
(1) CALIFORNIA MEMBERS TITLE INSURANCE COMPANY	Q	740,233	ACTUAL AMOUNT PAID
(2) CALIFORNIA CREDIT UNION FOUNDATION	B	100,000	ACTUAL AMOUNT PAID

Schedule R (Form 990) (Rev. 1-2025)

Page 4

Part VI

Unrelated Organizations Taxable as a Partnership. Complete if the organization answered "Yes" on Form 990, Part IV, line 37.

Provide the following information for each entity taxed as a partnership through which the organization conducted more than five percent of its activities (measured by total assets or gross revenue) that was not a related organization. See instructions regarding exclusion for certain investment partnerships.

(a) Name, address, and EIN of entity	(b) Primary activity	(c) Legal domicile (state or foreign country)	(e) Are all partners section 501(c)(3) organizations?		(f) Share of total income	(g) Share of end-of-year assets	(h) Disproprtionate allocations?		(i) Code V-UBI amount in box 20 of Schedule K-1 (Form 1065)	(j) General or managing partner?		(k) Percentage ownership
(a) Name, address, and EIN of entity	(b) Primary activity	(c) Legal domicile (state or foreign country)	Yes	No	(f) Share of total income	(g) Share of end-of-year assets	Yes	No	(i) Code V-UBI amount in box 20 of Schedule K-1 (Form 1065)	Yes	No	(k) Percentage ownership

Schedule R (Form 990) (Rev. 1-2025)

Page 5

Part VII

Supplemental Information

Provide additional information for responses to questions on Schedule R. See instructions.

Return Reference	Explanation

Schedule R (Form 990) (Rev. 1-2025)

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