2024-05-20T10:22:08-05:00 2023-12-31 910189318 MOSS ADAMS LLP 601 W RIVERSIDE AVENUE STE 1800 SPOKANE WA 99201 990 2023-01-01 910596314 CREDIT UNIONS IN THE STATE OF MOUNTAINCREST CREDIT UNION CRED 3604355400 3710 168TH STREET NE A108 ARLINGTON WA 98223 LINDSEY HARTELROAD CFO 3604355400 2024-05-17 1 LINDSEY HARTELROAD 999009999 1 EMINA O CRESSWELL CPA P01217304 5097472600 2 AAL1 IAL1 2023 2023-04-26 12:10:37Z SUSAN WEBSTER 3710 168TH STREET NE A108 ARLINGTON WA 98223 7731884 0 1269 X WWW.MOUNTAINCRESTCU.COM X 1934 WA YOUR HOME FOR TRUSTED, SOUND FINANCIAL SERVICES WITH THAT PERSONAL TOUCH. 7 7 25 14 107043 32110 0 0 5765985 7075512 621363 583061 79468 73311 6466816 7731884 0 0 0 0 1772656 1783538 0 0 0 2765299 3564114 4537955 5347652 1928861 2384232 152926875 141424855 138288978 124332133 14637897 17092722 THE VISION OF MOUNTAINCREST CREDIT UNION IS THAT WE ARE A SOUND FINANCIAL INSTITUTION PROVIDING A FULL RANGE OF INNOVATIVE, COMPETITIVE PRODUCTS AND SERVICES WITH EXCEPTIONAL PERSONAL SERVICE. 0 0 PROVIDE FINANCIAL SERVICES TO 9,683 MEMBERS. THESE SERVICES INCLUDE, BUT ARE NOT LIMITED TO, PROVIDING REAL ESTATE AND OTHER SECURED/UNSECURED CONSUMER LOANS, CHECKING AND SAVINGS PROGRAMS, AND CREDIT CARD SERVICES. 0 0 1 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 2095 0 1 25 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 0 0 X LINDSEY HARTELROAD 3604355400 3710 168TH STREET NE A108 ARLINGTON WA 98223 BRUCE LANDRE BOARD CHAIRPERSON 1.00 X X 0 0 0 SHIRLEY BRADFORD BOARD VICE-CHAIRPERSON 1.00 X X 0 0 0 DONALD HOLDRIDGE BOARD SECRETARY/TREASURER 1.00 X X 0 0 0 PHIL MITCHELL BOARD MEMBER 1.00 X 0 0 0 STEPHEN POWERS BOARD MEMBER 1.00 X 0 0 0 PATRICK GALLAGHER BOARD MEMBER 1.00 X 0 0 0 KELVIN SMITH BOARD MEMBER 1.00 X 0 0 0 SUSAN WEBSTER CEO 40.00 X 193737 0 20349 LINDSEY HARTELROAD CFO 40.00 X 102922 0 14752 296659 0 35101 2 0 1 0 JACK HENRY & ASSOCIATES 8975 BALBOA AVENUE SAN DIEGO CA 921231507 CORE DATA PROCESSOR 253388 FIS PO BOX CAROL STREAM IL 601974535 CREDIT/DEBIT CARD PROCESSOR 166325 THE ALTUS GROUP 951 INDUSTRY DRIVE TUKWILA WA 98188 IT SERVICES 164178 3 LOAN INTEREST 522100 5932711 5932711 FEES & CHARGES 522100 576525 469482 107043 CARD CHECK INTERCHANGE 522100 322842 322842 VISA INTERCHANGE INCOM 522100 243434 243434 7075512 583061 583061 OTHER INCOME 522100 73311 73311 73311 7731884 7041780 107043 583061 330872 1066162 55251 215627 115626 13292 25355 186695 45255 538400 18791 254271 8400 61445 451925 110873 55128 UBI TAXES 12164 LOAN SERVICING EXPENSE 812102 PROVISION FOR LOAN LOSS 437955 DATA PROCESSING 347020 185043 5347652 648200 530114 17538755 15516458 2586677 823755 113427452 107198832 871795 614737 5682779 2754190 3119517 2928589 12582236 9992613 2152243 3819757 152926875 141424855 467375 671686 137821603 123660447 138288978 124332133 X 0 0 0 0 14637897 17092722 14637897 17092722 152926875 141424855 X 2384232 125659 -131160 76094 X 0 0 0 1511 0 1511 1511 1 CREDIT UNION LEGISLATIVE ACTION FUND 18000 INTERNATIONAL BLVD STE 350 SEATAC WA 98188 800043051 1511 PART I-A, LINE 1: CONTRIBUTIONS TO SUPPORT THE ELECTION OF CREDIT-UNION FRIENDLY CANDIDATES FOR STATEWIDE OFFICE AND THE STATE LEGISLATURE. 482080 482080 3830874 1566756 2264118 1301394 1154739 146655 68431 32695 35736 2928589 CORPORATE CREDIT UNIONS 481297 C BANKS, S&LS, MUTUAL SAVINGS BANKS 1147000 C FEDERAL AGENCY SECURITIES 4000000 C FEDERAL AGENCY SECURITIES 4116127 F GOVERNMENT BOND FUND 248189 F 9992613 SHARES/DEPOSITS 123660447 123660447 X X 0 1 0 SUSAN WEBSTER CEO 191737 0 2000 0 0 0 10565 0 9784 0 214086 0 0 0 PART I, LINE 4B SUSAN WEBSTER PARTICIPATED IN A SPLIT DOLLAR LOAN PLAN. SUSAN WEBSTER CEO NONRECOURSE SPLIT DOLLAR LOAN X 495424 823755 0 1 1 823755 FORM 990, PART VI, SECTION A, LINE 6 CREDIT UNION HAS ONE CLASS OF MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A CREDIT UNION MEMBERS ELECT MEMBERS OF THE GOVERNING BODY. FORM 990, PART VI, SECTION A, LINE 7B CREDIT UNION MEMBERS APPROVE ALL DECISIONS MADE BY THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11B THE CFO REVIEWS FORM 990 PRIOR TO FILING. FORM 990, PART VI, SECTION B, LINE 12C BOARD MEMBERS MUST PROVIDE WRITTEN DISCLOSURE OF ANY CONFLICT OF INTEREST WITH ORGANIZATIONS. SUCH CONFLICT CAN BE DESCRIBED AS "INVOLVEMENT WITH THE ORGANIZATION, ITS BOARD, THE PROGRAM OR PERSONNEL." BOARD MEMBERS WILL BE EXPECTED TO REFRAIN FROM PARTICIPATION IN THE ALLOCATION DISCUSSION AND FROM VOTING. A POSSIBLE EXCEPTION IS WHEN A BOARD MEMBER HAS INFORMATION PERTAINING TO THE ORGANIZATION OR PROGRAM THAT THE BOARD DEEMS ESSENTIAL TO DECISIONMAKING. BOARD MEETING MINUTES WILL SERVE AS A RECORD OF ANY BOARD MEMBER BEING DETERMINED AS UNQUALIFIED TO PARTICIPATE IN FUNDING DECISIONS. CONFLICT OF INTEREST STATEMENTS ARE KEPT ON FILE AND UPDATED AS APPROPRIATE. FORM 990, PART VI, SECTION B, LINE 15A THE BOARD OF DIRECTORS DETERMINES THE SALARY OF THE CEO, WHICH IS APPROVED THROUGH THE BOARD EXECUTIVE COMMITTEE. COMPENSATION IS DETERMINED BASED ON REVIEWING LOCAL/REGIONAL INDUSTRY COMPARISONS. THIS REVIEW IS CONDUCTED ON AN ANNUAL BASIS. FORM 990, PART VI, SECTION C, LINE 19 GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. FORM 990, PART XI, LINE 9: CHANGE IN OTHER COMPREHENSIVE INCOME 76,094.