Credit Unions in the State of California
Public records raise at least one point you should look into before giving.
What it says it does
THE MISSION OF CHRISTIAN COMMUNITY CREDIT UNION IS TO SERVE CHRIST FOLLOWERS TO LIVE AND GIVE MORE ABUNDANTLY.
- Income
- $42.7 million
- Spending
- $40.1 million
- Employees
- 125
- Volunteers
- 10
- Highest pay
- $1.1 million, president/ceo
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. How we rate
Financial health
We do not score finances when yearly spending is very small or the return has too little detail. The ratios stop meaning much at that size.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. How we rate
Governance
This return does not answer enough of the governance questions to score.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. How we rate
Impact evidence
Describes programs. Its tax return describes what it does but we have found no measurable results in it.
Programs described in its return (4)
- CHRISTIAN COMMUNITY CREDIT UNION (THE CREDIT UNION) OFFERS A FULL RANGE OF BANKING SERVICES TO ITS MEMBERS, BOTH RETAIL AND MINISTRY. AS OF 12/31/24, OUR MEMBERS HAD $723,516,888 ON DEPOSIT IN INSURED ACCOUNTS IN THE CREDIT UNION. THE CREDIT UNION HAD $95,259,372 IN SAVINGS ACCOUNTS, $223,193,261 IN CHECKING ACCOUNTS, $153,342,017 IN MONEY MARKET, AND $251,722,238 IN CERTIFICATES OF DEPOSIT AND IRAS. THE COST OF FUNDS AT YEAR-END ON THESE ACCOUNTS WAS 1.55%. THE CREDIT UNION BEGAN THE YEAR WITH 30,732 MEMBERS AND ENDED THE YEAR WITH 31,737 MEMBERS FOR AN INCREASE OF 1,005. THE CREDIT UNION HAD 29,490 IN INDIVIDUAL ACCOUNTS AND 2,247 IN MINISTRY & BUSINESS ACCOUNTS AT YEAR-END.
- CHRISTIAN COMMUNITY CREDIT UNION (THE CREDIT UNION) EXISTS TO PROVIDE LOANS TO ITS MEMBERS AT RATES AND TERMS NOT AVAILABLE TO OUR FIELD OF MEMBERSHIP THROUGH BANKS OR OTHER FINANCIAL INSTITUTIONS. THE LARGEST PORTION OF OUR RETAIL LOAN PORTFOLIO IS MADE UP OF FIRST TRUST DEED LOANS. THE CREDIT UNION HAD $256,229,969 IN RETAIL FIRST TRUST DEED LOANS AS OF 12/31/24. THEY REPRESENT 35% OF OUR LOAN PORTFOLIO AND 31% OF OUR TOTAL ASSETS. THE AVERAGE YIELD ON THESE LOANS WAS 3.46%.
- CHRISTIAN COMMUNITY CREDIT UNION'S (THE CREDIT UNION) FIELD OF MEMBERSHIP INCLUDES MANY CHURCHES AND MINISTRIES. THE CREDIT UNION PROVIDES LOANS TO THESE MEMBERS TO BUY, BUILD, OR RENOVATE REAL PROPERTY AT RATES AND TERMS NOT AVAILABLE TO THEM THROUGH BANKS OR OTHER FINANCIAL INSTITUTIONS. THE LARGEST PORTION OF OUR MINISTRY LOAN PORTFOLIO IS MADE UP OF FIRST TRUST DEED LOANS. THE CREDIT UNION HAD $310,705,917 IN OUTSTANDING FIRST TRUST DEED LOANS TO CHURCHES AND MINISTRIES AS OF 12/31/24. THEY REPRESENT 43% OF OUR LOAN PORTFOLIO AND 37% OF OUR TOTAL ASSETS. THE YIELD ON THESE LOANS WAS 4.50%.
- CREDIT UNION CONSUMER LENDING: THE CREDIT UNION HAS $63,409,039 IN VEHICLES LOANS, $23,619,388 IN CREDIT CARD ACCOUNTS AND $5,264,923 IN STUDENT LOANS.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. How we rate
Legitimacy checks
Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(14) credit union.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.
Are donations tax-deductible? Caution.
The IRS master file records contributions to this 501(c)(14) credit union as not deductible.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2024.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since June 1961.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.
Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.