Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Jun 1961.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Who runs it and what they're paid
12 people listed on the 990; $1.1M paid to officers and key staff.
Compensation history total reportable pay by year · 7 named individuals · Part VII
| Name | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Fardad Khosravi | $352,948 | $332,884 | $322,420 | $281,851 | $274,279 |
| Paul Lindsley | $169,656 | $160,272 | $151,000 | $143,216 | $139,428 |
| David Clark | $148,464 | $140,664 | $132,905 | $123,040 | $119,698 |
| Cyndee Lemon | $137,365 | $129,675 | $123,522 | $113,314 | $102,767 |
| Elsa Pham | $135,802 | $128,530 | $124,843 | $119,230 | $116,736 |
| Karole Morikawa | — | $132,810 | $126,540 | $122,497 | $119,950 |
| Manie Kohn | $126,000 | — | — | — | — |
Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.
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Questions the 990 asks
The form asks each of these directly. These are the filed answers.
- Family or business ties among officersPt VI · Ln 2No
- Top official's pay set by an independent reviewPt VI · Ln 15aYes
- Loans to or from officersSch L · Pt II2 listed
Programs and updates
Builds financial partnerships and offers competitive services to members.
Questions for Pacific Postal Credit Union
Your first name shows with your question. Pacific Postal Credit Union answers here, for everyone.
Know this org? Add your story
F3 credit union (the credit union) provides consumer financial services to individuals that reside in santa clara county, california. The credit union provides a vast array of loan products to members at competitive market rates and lower than market fees.
F3 credit union provides depository services to its members. During 2024, members had a total of $197 million member share deposits at december 31, 2024.
F3 credit union's capital percentage at december 31, 2024 was 17.59%. This is greater than 1.5x the industry requirement.
By the numbers
The FY2024 990, line by line.
Download 990
| Line | Start FY24 | End FY24 |
|---|---|---|
| Cash and savingsLn 1–2 | $6.6M | $8.3M |
| InvestmentsLn 11–13 | $108.4M | $102.1M |
| Land, buildings, equipmentLn 10c | $181K | $186K |
| Total assetsLn 16 | $236.5M | $233.4M |
| LiabilitiesLn 26 | $204.0M | $198.7M |
| Net assetsLn 32 | $32.5M | $34.7M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Pay of current officers, directors and key staffLn 5 | $656K | |||
| Other salaries and wagesLn 7 | $2.4M | |||
| Pension plan contributionsLn 8 | $68K | |||
| Other employee benefitsLn 9 | $339K | |||
| Payroll taxesLn 10 | $224K | |||
| Accounting feesLn 11c | $81K | |||
| Lobbying feesLn 11d | $2K | |||
| Other fees for servicesLn 11g | $261K | |||
| Advertising and promotionLn 12 | $338K | |||
| Office expensesLn 13 | $86K | |||
| Information technologyLn 14 | $562K | |||
| OccupancyLn 16 | $339K | |||
| TravelLn 17 | $70K | |||
| InterestLn 20 | $3 | |||
| Depreciation, depletion and amortizationLn 22 | $38K | |||
| InsuranceLn 23 | $89K | |||
| Other expenses (24a–d)Ln 24 | $5.0M | |||
| All other expensesLn 24e | $244K | |||
| Total functional expensesLn 25 | $10.7M |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2024 Latest Viewing | $11.9M | $10.7M | $1.1M | $34.7M | 990 PDF |
| FY2023 | $10.5M | $9.0M | $1.5M | $32.5M | 990 PDF |
| FY2022 | $7.6M | $6.8M | $837K | $29.8M | 990 PDF |
| FY2021 | $6.9M | $6.1M | $800K | $35.9M | 990 PDF |
| FY2020 | $7.5M | $6.6M | $869K | $35.7M | 990 PDF |
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Schedules filed Part IV
See the full FY2024 990 (6 parts)
Part I · Summary $11,865,118 revenue, 12 lines filed
Part VI · Governance 6 of 6 board members independent, no flags
Part VIII · Statement of revenue $11,865,118 across 3 lines filed
Part IX · Statement of functional expenses $10,726,092 across 18 lines filed
Part X · Balance sheet $233,387,409 assets, 13 lines filed
Part XI · Reconciliation of net assets $34,689,105 net assets at year end
Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File
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