2025-11-06T17:36:33-06:00 2024-12-31 954083485 TURNER WARREN HWANG & CONRAD ACCTCY 100 NORTH FIRST ST STE 202 BURBANK CA 91502 990 2024-01-01 941031345 EDUCATIONAL EMPLOYEES CREDIT UNION EDUC 5594377731 2222 WEST SHAW AVENUE FRESNO CA 93711 ELIZABETH DOOLEY PRESIDENT/CEO 5594377731 2025-11-02 1 1 NATALIE HULL CPA P00089332 8189549700 2024 2025-03-06 01:10:19Z ELIZABETH DOOLEY 2222 WEST SHAW AVENUE FRESNO CA 93711 239311810 0 X WWW.MYEECU.ORG X CREDIT UNION 1934 CA A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. 9 9 662 20 2042240 641986 0 0 151919411 179155809 50512529 60156001 0 0 202431940 239311810 719025 698625 0 0 47859323 53325575 0 0 0 89737878 122416335 138316226 176440535 64115714 62871275 4647760922 4711208087 4214818644 4191007541 432942278 520200546 X EDUCATIONAL EMPLOYEES CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, EDUCATIONAL EMPLOYEES CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFIT, OR SERVICE OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. 0 0 ACHIEVED SATISFACTORY RESULTS IN PROVIDING MEMBERS WITH CONSUMER LOANS FROM A BROAD ARRAY OF PRODUCT OFFERINGS, INCLUDING VEHICLE LOANS, CREDIT CARDS AND PERSONAL LINES OF CREDIT. ACHIEVED SATISFACTORY RESULTS IN PROVIDING MEMBERS WITH MORTGAGE LOANS, INCLUDING FIRST TRUST DEEDS, SECOND TRUST DEEDS AND HOME EQUITY LINES OF CREDIT. ACHIEVED SATISFACTORY RESULTS IN PROVIDING MEMBERS WITH A BROAD ARRAY OF DEPOSIT PRODUCT OFFERINGS, INCLUDING A HIGH-YIELD CHECKING ACCOUNT PRODUCT AND A PREMIUM-RATE TIERED SAVINGS PRODUCT. 0 0 1 0 0 0 0 0 0 1 0 1 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 1 1 0 0 1 89593 0 1 662 1 1 1 0 0 0 0 0 1 0 X 9 9 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 CA X X ELENA MARTIN CONTROLLER 5594377733 2222 WEST SHAW AVENUE FRESNO CA 93711 WALTER FRANZELL CHAIR 4.00 X 3631 0 0 ALI NEKUMANESH VICE CHAIR 4.00 X 1284 0 0 LISA CUTTS TREASURER 2.00 X 159 0 0 MIKE SNELL SECRETARY 2.00 X 1409 0 0 DEREK SCHARTON BOARD MEMBER 2.00 X 2548 0 0 PHILIP NEUFELD BOARD MEMBER 2.00 X 339 0 0 DAVE ROBERTS BOARD MEMBER 2.00 X 667 0 0 BRAD STEVENS BOARD MEMBER 2.00 X 1083 0 0 DARCY WILLIAMS BOARD MEMBER 2.00 X 159 0 0 THOMAS BORCHARDT BOARD MEMBER (EMERITUS) 2.00 X 159 0 0 RICK BROWNING BOARD MEMBER (EMERITUS) 2.00 X 1657 0 0 BARBARA THOMAS BOARD MEMBER (EMERITUS) 2.00 X 159 0 0 WILLIAM CLARK SUPR CMTE CHAIR 2.00 X 1580 0 0 NIKOLAUS DEJONG SUPR CMTE SECRETARY 2.00 X 2221 0 0 LAURIE MADDEN SUPR CMTE MEMBER 2.00 X 431 0 0 KATHRYN ORTEGA-JONES SUPR CMTE MEMBER 2.00 X 159 0 0 SAENG BUNSY SUPR CMTE MEMBER 2.00 X 159 0 0 ELIZABETH DOOLEY CEO 60.00 X 1130767 0 415886 BEVERLY RYAN CFO 50.00 X 484598 0 44473 MARK PEREZ CLO 50.00 X 469895 0 91336 NATALIE TOMAJAN COO 40.00 X 290501 0 53259 DICK ASHJIAN SVP RISK MGMT 50.00 X 416518 0 72005 THOMAS GRAY SVP HR & FACILITIES 50.00 X 415540 0 66139 BRADLEY TOWERS FINANCIAL REP 50.00 X 379244 0 34897 ERIC HOVDA SVP IT 50.00 X 306286 0 71044 ELENA MARTIN CONTROLLER 50.00 X 286199 0 43509 4197352 0 892548 73 0 1 0 NCR CORPORATION 14181 COLLECTIONS CENTER DR CHICAGO IL 60693 ONLINE BANKING SERVICES 4693478 DIEBOLD INC P O BOX 643543 PITTSBURGH CA 152643543 ATM PURCHASING AND SERVICING 3899634 LOOKING POINT INC 391 TAYLOR BLVD STE 120 PLEASANT HILL PA 94523 IT SERVICES AND EQUIPMENT 2958725 JEFFREY SCOTT AGENCY 1544 FULTON STREET FRESNO CA 93721 MARKETING 2015402 LERETA LLC 901 CORPORATE CENTER DRIVE POMONA CA 91768 CONSULTING SERVICE 1577942 64 INTEREST ON LOANS 522100 110076624 110076624 OTHER OPERATING INCOME 522100 47342822 45846270 1496552 FEE INCOME 522100 21736363 21190675 545688 179155809 60156001 60156001 239311810 237269570 2042240 0 564625 134000 4197352 33609362 2929290 9459075 3130496 128161 732517 9075475 5794959 14934944 1738149 4468810 849672 45838823 3517102 464191 LOAN SERVICING EXPENSE 18696521 CREDIT LOSS EXPENSE 12690890 MISC OPERATING EXPENSE 3486121 176440535 80007185 70665783 265112853 322464230 848432 871724 13048028 13181028 80490730 55026564 25234314 25464166 2046688845 1961319980 2131871947 2223530338 84949318 93710838 4647760922 4711208087 53007379 60388693 4161811265 4130618848 4214818644 4191007541 X 0 0 0 0 432942278 520200546 432942278 520200546 4647760922 4711208087 X 62871275 28411838 -4024845 X X 0 1 X 1 0 20000 20000 20000 1 CCUL - PAC 2855 E GUASTI ROAD ONTARIO CA 91761 940357265 20000 PART I-A, LINE 1: CONTRIBUTION TO CALIFORNIA CREDIT UNION LEAGUE TO PROMOTE TRADE INFORMATION PERTAINING TO CREDIT UNIONS. 7715449 7715449 18710303 8754681 9955622 18652826 15575669 3077157 35412152 30696214 4715938 25464166 LOANS AND LEASES 2183084147 F NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT 40446191 C 2223530338 TOTAL SHARES AND DEPOSITS 4130618848 4130618848 X PART X, LINE 2: FASB ASC TOPIC 740, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED, AND PRESENTED IN THE CONSOLIDATED FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE MORE-LIKELY-THAN-NOT OF BEING SUSTAINED WHEN CHALLENGED OR WHEN EXAMINED BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS NOT DEEMED TO MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEARS ENDED DECEMBER 31, 2024 AND 2023, MANAGEMENT HAS DETERMINED THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. 1 HABITAT FOR HUMANITY FRESNO INC 4991 E MCKINLEY AVE 123 FRESNO CA 93722 770076649 501(C)(3) 10000 0 FMV TO BRING PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES, AND HOPE SAN LUIS OBISPO SHERIFF'S ADVISORY FOUNDATION 3350 EDUCATION DRIVE SAN LUIS OBISPO CA 93405 770189925 501(C)(3) 10000 0 FMV TO HELP IN PREPARING ALL CHILDREN AND YOUTH FOR RESPONSIBLE CITIZENSHIP, MEANINGFUL WORK, AND LIFELONG LEARNING. STATE CENTER COMMUNITY COLLEGE FOUNDATION 1171FULTON STREET 2F FRESNO CA 917611250 770190269 501(C)(3) 24500 0 FMV TO HELP ENHANCE THE ACCESS TO AND QUALITY OF COMMUNITY EDUCATION FOR THE STUDENTS AND FACULTY OF THE STATE CENTER COMMUNITY COLLEGE DISTRICT. RICHARD MYLES JOHNSON FOUNDATION 2855 E GUASTI ROAD 202 ONTARIO CA 91761 956141173 501(C)(3) 5500 0 FMV GOLF TOURNAMENT SPONSORSHIP PASO ROBLES JOINT USD 800 NIBLICK ROAD PASO ROBLES CA 93446 481295642 10000 0 FMV EMPLOYEE OF THE YEAR RETIREMENT BRUNCH SPONSORSHIP PASO ROBLES CHAMBER OF COMMERCE 1225 PARK STREET PASO ROBLES CA 93446 951509178 501(C)(6) 7500 0 FMV TO SUPPORT PROMOTE TOURISM AND OTHER BUSINESS THROUGHOUT THE PASO ROBLES COMMUNITY. THE FOUNDATION FCOE 1111 VAN NESS AVE 3RD FLOOR FRESNO CA 93721 800381096 501(C)(3) 114000 0 FMV TO SUPPORT THE STUDENTS OF FRESNO COUNTY WITH EXEMPLARY EDUCATIONAL PROGRAMS AND SERVICES THROUGH A SHARED COMMUNITY RESPONSIBILITY. CLOVIS RODEO ASSOCIATION 748 RODEO DR CLOVIS CA 93612 941135185 501(C)(3) 7500 0 FMV TOM STEARNS PAVILLION SPONSORSHIP VALLEY CHILDREN'S HOSPITAL 9300 VALLEY CHILDRENS PLACE MADERA CA 93636 941294954 501(C)(3) 15000 0 FMV TO HELP GENERATE FUNDS TO SUPPORT THE GOALS OF VALLEY CHILDREN'S HEALTHCARE AND ITS AFFILIATED ENTITIES. FORWARD FRESNO FOUNDATION 2331 FRESNO STREET FRESNO CA 93721 942914776 501(C)(3) 10000 0 FMV YOVILLE COMMUNITY GARDEN PROJECT LF CLASS 38 PASO ROBLES AND TEMPLETON CHAMBER OF COMMERCE 1225 PARK STREET PASO ROBLES CA 93446 951509178 501(C)(6) 6500 0 FMV TO SUPPORT PROMOTE TOURISM AND OTHER BUSINESS THROUGHOUT THE PASO ROBLES COMMUNITY. FRESNO COMPACT PO BOX 445 FRESNO CA 93657 452494781 501(C)(3) 10000 0 FMV 27TH ANNUAL SHAREHOLDERS LUNCHEON 4/25/24 FOUNDATION FOR CENTRAL SCHOOLS 4605 N POLK AVENUE FRESNO CA 93722 562316616 501(C)(3) 12500 0 FMV CENTRAL USD SCHOLARSHIP SPONSORSHIP FRESNO GRIZZLIES 1800 TULARE STREET FRESNO CA 93721 932991934 501(C)(3) 35000 0 FMV TO PROVIDE 2024 SPONSORSHIP. VALLEY PUBLIC RADIO 2589 ALLUVIAL CLOVIS CA 93611 942297746 501(C)(3) 24000 0 FMV TO HELP EXPAND YOUR WORD THROUGH VOICES AND SOUNDS THAT INFORM AND INSPIRE. COLLEGE OF THE SEQUOIAS FOUNDATION 915 S MOONEY BLVD VISALIA CA 93277 770071634 501(C)(3) 14100 0 FMV TO ASSIST IN PROVIDING STUDENT SCHOLARSHIPS. MERCED COLLEGE FOUNDATION 3600 M STREET MERCED CA 95348 237385578 501(C)(3) 10000 0 FMV STATE OF THE COLLEGE SPONSORSHIP SAN LUIS OBISPO COUNTY OFFICE OF EDUCATION 3350 EDUCATION DRIVE SAN LUIS OBISPO CA 93405 956000938 30000 0 FMV EMPLOYEE APPRECIATION SPONSORSHIP 3 EVENTS AND SLO TEACHER OF THE YEAR 2024 SAN JOAQUIN RIVER PARKWAY AND CONSERVATION 11605 OLD FRIANT RD FRESNO CA 93730 770196692 501(C)(3) 10000 0 FMV RIVERCAMP SPONSORSHIP DELTA SIGMA THETA SORORITY INC PO BOX 11214 FRESNO CA 93772 770329760 501(C)(7) 10000 0 FMV AFRICAN AMERICAN HIGH SCHOOL RECOGNITION CEREMONY 6/02/24 THE FRESNO CENTER 1725 N FINE AVE FRESNO CA 93727 770280265 501(C)(3) 8000 0 FMV ASIAN AMERICAN & PACIFIC ISLANDER HERITAGE MONTH CELEBRATION 5/02/24 THE SALVATION ARMY 30840 HAWTHORNE BLVD RANCHO PALOS VERDES CA 90275 941156347 501(C)(3) 12500 0 FMV BACKPACK EVENT SPONSORSHIP FRESNO HISTORICAL SOCIETY 7160 W KEARNEY BLVD FRESNO CA 93706 941531568 501(C)(3) 10000 0 FMV TIME TRAVELERS SPONSORSHIP CENTRAL CA WOMEN'S CONFERENCE PO BOX 26214 FRESNO CA 93729 770178140 501(C)(3) 5325 0 FMV THE ORGANIZATION SUPPORTS WOMEN IN THE AREA OF BUSINESS, CAREER, PERSONAL DEVELOPMENT AND LIFE ENRICHMENT. MADERA DISTRICT FAIR 1850 WEST CLEVELAND AVE MADERA CA 93637 946001555 501(C)(5) 7700 0 FMV MADERA COUNTY FAIR SPONSORSHIP 9/05 - 9/08 2024 FRESNO DEPUTY SHERIFF'S ASSOCIATION 1360 VAN NESS AVE FRESNO CA 93721 237377560 501(C)(3) 7500 0 FMV TO ASSIST IN PROVIDING MEMBER SERVICES SUCH AS GROUP HEALTH, DISABILITY AND LIFE INSURANCE, LEGAL DEFENSE AND NEGOTIATIONS. FOUNDATION FOR FRESNO UNIFIED SCHOOLS 906 N STREET SUITE 115 FRESNO CA 93721 871626646 501(C)(3) 10000 0 FMV THE NOIR EVENT - 10/16/24 UNITED WAY OF MERCED COUNTY 531 W MAIN ST MERCED CA 95340 942633265 501(C)(3) 12500 0 FMV BACKPACK SPONSORSHIP - ESMERALDA SORIA SAN JOAQUIN VALLEY TOWN HALL 820 E FAIRMONT FRESNO CA 93704 941210921 501(C)(3) 10000 0 FMV TO BRING NATIONALLY AND INTERNATIONALLY RENOWNED, THOUGHT-PROVOKING SPEAKERS WHO INFORM AND EDUCATE TO THE SAN JOAQUIN VALLEY. WESTCARE CALIFORNIA INC 1711 WHITNEY MESA DRIVE HENDERSON NV 89014 237368450 501(C)(3) 10000 0 FMV WINGS ADVOCAY FRESNO SPONSORSHIP EVENT 10/12/24 - TABLE OF 10 BIG FRESNO FAIR 1121 S CHANCE AVE FRESNO CA 93702 946001554 501(C)(3) 20000 0 FMV TO HELP SHOWCASE AGRICULTURE, PROVIDING A LINK BETWEEN URBAN AND RURAL CALIFORNIA. 25 6 EDUCATIONAL GRANTS 67 134000 FMV SCHEDULE I, PART 1, LINE 2 ALL RECIPIENTS MUST APPLY FOR THE SCHOLARSHIPS. ONCE AWARDED, STUDENTS MUST PROVIDE PROOF OF ENROLLMENT BEFORE GRANT FUNDS ARE PAID. X 1 1 X X X X 0 1 0 ELIZABETH DOOLEY CEO 925113 0 202980 0 2674 0 371521 0 44365 0 1546653 0 0 0 BEVERLY RYAN CFO 468790 0 15000 0 808 0 43700 0 773 0 529071 0 0 0 MARK PEREZ CLO 453637 0 15450 0 808 0 43700 0 47636 0 561231 0 0 0 NATALIE TOMAJAN COO 274243 0 15450 0 808 0 39214 0 14045 0 343760 0 0 0 DICK ASHJIAN SVP RISK MGMT 400710 0 15000 0 808 0 43700 0 28305 0 488523 0 0 0 THOMAS GRAY SVP HR & FACILITIES 399732 0 15000 0 808 0 43700 0 22439 0 481679 0 0 0 BRADLEY TOWERS FINANCIAL REP 65116 0 313757 0 371 0 20700 0 14197 0 414141 0 0 0 ERIC HOVDA SVP IT 290478 0 15000 0 808 0 40141 0 30903 0 377330 0 0 0 ELENA MARTIN CONTROLLER 270391 0 15000 0 808 0 17715 0 25794 0 329708 0 0 0 PART I, LINE 4B THE CREDIT UNION OFFERS A 457B RETIREMENT PLAN THAT ALLOWS EXECUTIVES TO DEFER A SPECIFIED AMOUNT OF THEIR PRE-TAX INCOME FOR INVESTMENT. EMPLOYEES MAY MAKE DISCRETIONARY CONTRIBUTIONS TO THE PLAN BUT ARE NOT REQUIRED. EMPLOYEES ARE 100% VESTED AT THE TIME OF CONTRIBUTION. THE 457B FUNDS ARE INVESTED IN MUTUAL FUNDS AND OTHER INVESTMENT OPTIONS ALSO OFFERED IN THE CREDIT UNION'S 401K PLAN. CURRENTLY, THE FOLLOWING EXECUTIVES ARE ACTIVELY PARTICIPATING IN THE 457B PLAN: ELIZABETH DOOLEY, BEVERLY RYAN, MARK PEREZ, NATALIE TOMAJAN, DICK ASHJIAN, THOMAS GRAY AND ERIC HOVDA. IN 2024, $23,000 HAS BEEN CONTRIBUTED TO THE FOLLOWING EMPLOYEES PARTICIPATING IN THE 457B PLAN: ELIZABETH DOOLEY, BEVERLY RYAN, MARK PEREZ, NATALIE TOMAJAN, DICK ASHJIAN, THOMAS GRAY AND ERIC HOVDA. THE CREDIT UNION ALSO OFFERS A 457F WHICH IS FUNDED SOLELY BY A LIFE INSURANCE POLICY OWNED BY THE CREDIT UNION. CURRENTLY, ELIZABETH DOOLEY IS THE ONLY PARTICIPANT. INFORMATION OF THE LIFE INSURANCE IS BEING REPORTED ON FORM 8925. BEVERLY RYAN OFFICER PLATINUM VISA X 35000 344 0 1 1 BEVERLY RYAN OFFICER AUTO LOAN X 100000 85715 0 1 1 MARK PEREZ OFFICER AUTO LOAN X 63881 34939 0 1 1 MARK PEREZ OFFICER REAL ESTATE X 432000 254124 0 1 1 MARK PEREZ OFFICER HELOC X 200000 49915 0 1 1 THOMAS GRAY HCE AUTO LOAN X 48000 44255 0 1 1 THOMAS GRAY HCE 1ST T/D - VAC HOME X 330000 258937 0 1 1 THOMAS GRAY HCE FIXED RATE OWNER OCCUPIED X 336000 142276 0 1 1 ERIC HOVDA HCE PLATINUM VISA X 5000 100 0 1 1 ELENA MARTIN HCE PLATINUM VISA X 35000 13 0 1 1 NATALIE TOMAJAN OFFICER VISA X 15000 1106 0 1 1 871724 FORM 990, PART VI, SECTION A, LINE 6 EDUCATIONAL EMPLOYEES 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. EDUCATIONAL EMPLOYEES CREDIT UNION DOES NOT HAVE STOCKHOLDERS. FORM 990, PART VI, SECTION A, LINE 7A THE GOVERNING BOARD OF THE 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 RETURN IS REVIEWED BY THE CONTROLLER, CFO AND CEO. ADDITIONALLY THE RETURN WILL BE PROVIDED TO THE BOARD MEMBERS BEFORE IT IS SUBMITTED. FORM 990, PART VI, SECTION B, LINE 12C ALL DIRECTORS AND EMPLOYEES MUST ANNUALLY ATTEND A CODE OF CONDUCT TRAINING PRESENTATION WHICH INCLUDES CONFLICT OF INTEREST PROVISIONS. THEIR REQUIRED ATTENDANCE IS EVIDENCED THROUGH A SIGNED ACKNOWLEDGEMENT. IN ADDITION, ALL PROSPECTIVE DIRECTORS SIGN AN ADDITIONAL CONFLICT OF INTEREST STATEMENT. FORM 990, PART VI, SECTION B, LINE 15 THE BOARD OF DIRECTORS HIRES AN INDEPENDENT OUTSIDE FIRM THAT SPECIALIZES IN THIS AREA FOR BOTH THE ANNUAL REVIEW AND SALARY STRUCTURE FOR THE CEO. IN ADDITION THE CREDIT UNION USES THE RESULTS OF SEVERAL SURVEYS IN SETTING THE CEO'S COMPENSATION. FOR THE SVP'S AND ALL OTHER KEY EMPLOYEES SURVEYS ARE CONSULTED WHICH SUPPORT SALARY LEVELS AND DUTIES. ALL EMPLOYEES RECEIVE ANNUAL REVIEWS. FORM 990, PART VI, SECTION C, LINE 19 CERTAIN GOVERNING DOCUMENTS AND POLICIES MAY BE MADE AVAILABLE BY WRITTEN REQUEST THROUGH THE CREDIT UNION'S BOARD APPROVED RECORDS INSPECTION POLICY. FINANCIAL STATEMENTS ARE POSTED AND AVAILABLE TO THE PUBLIC AT EACH CREDIT UNION BRANCH OFFICE ON A MONTHLY BASIS. IN ADDITION, AN ANNUAL REPORT IS MADE AVAILABLE AT THE CREDIT UNION'S ANNUAL MEETING OF MEMBERS. FORM 990, PART XI, LINE 9: CHANGE IN OTHER COMPREHENSIVE INCOME -4,024,845. FORM 990, PART XII, LINE 2C THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. EDUCATORS FINANCIAL & INSURANCE SERVICES 2222 W SHAW AVENUE FRESNO CA 93711 770244291 DORMANT CORPORATION NOT CURRENTLY CONDUCTING BUSINESS CA EDUCATIONAL EMPLOYEES CREDIT UNION C 5000 1.00000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0