Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Sep 1961.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Who runs it and what they're paid
22 people listed on the 990; $7.5M paid to officers and key staff.
Compensation history total reportable pay by year · 8 named individuals · Part VII
| Name | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Brandi Schaefer | — | $602,164 | $1,864,282 | $1,925,742 | $1,144,693 | $1,183,785 |
| Faye Nabhani | $1,237,729 | $1,202,025 | $968,909 | $666,860 | $526,886 | $655,028 |
| David Roughton | — | — | $310,291 | $1,176,986 | $953,245 | $1,005,778 |
| Damian Azimi | $1,035,696 | $1,044,937 | $1,049,159 | $592,960 | — | $517,424 |
| Chris Harris | $1,020,998 | $705,227 | $868,810 | $439,600 | $501,014 | $658,326 |
| William G Erb | — | $123,012 | $309,936 | $979,083 | $609,337 | $739,510 |
| Diane Hicks | — | $250,770 | $460,051 | $855,489 | $554,758 | $654,957 |
| Justin Mendonca | — | — | — | — | $814,430 | $701,954 |
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 II11 listed
Programs and updates
Helps members improve financial well-being and provides excellent service.
This section is blank until Safe Credit Union claims this page.
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Safe has served the sacramento area since 1940, and now has membership spanning 13 counties in northern california. Safe has 19 branches in three of these counties: sacramento, placer and yolo. Safe serves approximately 374,010 members.
Safe offers a variety of deposit products including savings, checking, money market, certificate, retirement, business, and youth accounts. Deposits are federally insured to at least $250,000 and backed by the full faith and credit of the united states government. Safe's deposit rates are very competitive with the market.
Safe offers a variety of low-rate products to help members with their financing needs. Available loan products include auto loans, real estate mortgage loans, home equity lines of credit, home improvement loans, visa credit cards, small business loans, commercial real estate, and other secured and unsecured loans.
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Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
By the numbers
The FY2025 990, line by line.
Download 990
| Line | Start FY25 | End FY25 |
|---|---|---|
| Cash and savingsLn 1–2 | $223.9M | $354.6M |
| InvestmentsLn 11–13 | $668.0M | $595.0M |
| Land, buildings, equipmentLn 10c | $52.0M | $51.5M |
| Total assetsLn 16 | $4.31B | $4.39B |
| LiabilitiesLn 26 | $3.96B | $3.99B |
| Net assetsLn 32 | $345.1M | $396.8M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Grants to domestic organizationsLn 1 | $242K | |||
| Grants to domestic individualsLn 2 | $12K | |||
| Benefits paid to or for membersLn 4 | $67.1M | |||
| Pay of current officers, directors and key staffLn 5 | $5.3M | |||
| Other salaries and wagesLn 7 | $59.5M | |||
| Pension plan contributionsLn 8 | $4.1M | |||
| Other employee benefitsLn 9 | $8.1M | |||
| Payroll taxesLn 10 | $5.0M | |||
| Legal feesLn 11b | $2.1M | |||
| Accounting feesLn 11c | $345K | |||
| Other fees for servicesLn 11g | $4.2M | |||
| Advertising and promotionLn 12 | $3.4M | |||
| Office expensesLn 13 | $5.6M | |||
| Information technologyLn 14 | $18.3M | |||
| OccupancyLn 16 | $5.6M | |||
| TravelLn 17 | $250K | |||
| Conferences, conventions and meetingsLn 19 | $356K | |||
| InterestLn 20 | $262K | |||
| Depreciation, depletion and amortizationLn 22 | $4.1M | |||
| InsuranceLn 23 | $331K | |||
| Other expenses (24a–d)Ln 24 | $20.4M | |||
| All other expensesLn 24e | $1.0M | |||
| Total functional expensesLn 25 | $215.5M |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 Latest Viewing | $243.9M | $215.5M | $28.5M | $396.8M | 990 PDF |
| FY2024 | $254.7M | $230.1M | $24.6M | $345.1M | 990 PDF |
| FY2023 | $229.8M | $211.6M | $18.2M | $310.1M | 990 PDF |
| FY2022 | $183.1M | $149.8M | $33.3M | $289.3M | 990 PDF |
| FY2021 | $162.1M | $128.0M | $34.1M | $353.6M | 990 PDF |
| FY2020 | $166.5M | $148.8M | $17.7M | $330.5M | 990 PDF |
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Schedules filed Part IV
See the full FY2025 990 (4 parts)
Part VIII · Statement of revenue $243,941,706 across 8 lines filed
Part IX · Statement of functional expenses $215,474,450 across 22 lines filed
Part X · Balance sheet $4,389,837,449 assets, 20 lines filed
Part XI · Reconciliation of net assets $396,807,049 net assets at year end
Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File
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