FIRST COMMUNITY CREDIT UNION: Form 990, tax year 2023

View the entire original 990 at ProPublica ↗

Organization: FIRST COMMUNITY CREDIT UNION (EIN 93-0468003)
Tax period: 2023-01-01 to 2023-12-31
Filed: 2024-04-26
IRS object ID: 202431179349300733
Schema version: 2023v5.0
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule I
Schedule J
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2024-04-26T11:05:57-05:00	ReturnTs
Tax Period End	2023-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	910189318	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	MOSS ADAMS LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	805 SW BROADWAY STE 1400	AddressLine1Txt
City	PORTLAND	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97205	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2023-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	930468003	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	FIRST COMMUNITY CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	FIRS	BusinessNameControlTxt
Phone	5413962145	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	200 N ADAMS STREET	AddressLine1Txt
City	COQUILLE	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97423	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	RENEE NELSON	PersonNm
Person Title	EVP/CFO	PersonTitleTxt
Phone	5413962145	PhoneNum
Signature	2024-04-25	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	RENEE	PersonFirstNm
Person Last	NELSON	PersonLastNm

Field	Value	IRS element (for citing)
SSN	XXX-XX-XXXX	SSN

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	0	IRSResponsiblePrtyInfoCurrInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	WENDY CAMPOS	PreparerPersonNm
PTIN	P00448102	PTIN
Phone	5032421447	PhoneNum
Preparation	2024-04-25	PreparationDt

Additional Filer Information AdditionalFilerInformation

Trusted Customer TrustedCustomerGrp

Field	Value	IRS element (for citing)
Trusted Customer	2	TrustedCustomerCd
Authentication Assurance Level	AAL1	AuthenticationAssuranceLevelCd
Identity Assurance Level	IAL1	IdentityAssuranceLevelCd

Field	Value	IRS element (for citing)
Tax	2023	TaxYr
Build TS	2023-04-26 12:10:37Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	DAVID ELMER	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	200 N ADAMS STREET	AddressLine1Txt
City	COQUILLE	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97423	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$62,815,643	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.MYFIRSTCCU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1957	FormationYr
Legal Domicile State	OR	LegalDomicileStateCd
Activity Or Mission	TO BUILD LASTING FINANCIAL RELATIONSHIPS THROUGH PERSONALIZED BANKING.	ActivityOrMissionDesc
Voting Members Governing Body	13	VotingMembersGoverningBodyCnt
Voting Members Independent	13	VotingMembersIndependentCnt
Total Employee	397	TotalEmployeeCnt
Total Volunteers	18	TotalVolunteersCnt
Total Gross UBI	$1,684,366	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$45,818,754	PYProgramServiceRevenueAmt
CY Program Service Revenue	$48,605,926	CYProgramServiceRevenueAmt
PY Investment Income	$10,082,911	PYInvestmentIncomeAmt
CY Investment Income	$12,517,782	CYInvestmentIncomeAmt
PY Other Revenue	$1,644,414	PYOtherRevenueAmt
CY Other Revenue	$1,684,366	CYOtherRevenueAmt
PY Total Revenue	$57,546,079	PYTotalRevenueAmt
CY Total Revenue	$62,808,074	CYTotalRevenueAmt
PY Grants And Similar Paid	$410,886	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$370,714	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$25,550,737	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$27,475,648	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$14,071,980	PYOtherExpensesAmt
CY Other Expenses	$19,590,138	CYOtherExpensesAmt
PY Total Expenses	$40,033,603	PYTotalExpensesAmt
CY Total Expenses	$47,436,500	CYTotalExpensesAmt
PY Revenues Less Expenses	$17,512,476	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$15,371,574	CYRevenuesLessExpensesAmt
Total Assets BOY	$1,796,419,066	TotalAssetsBOYAmt
Total Assets EOY	$1,676,601,574	TotalAssetsEOYAmt
Total Liabilities BOY	$1,629,402,121	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$1,492,619,239	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$167,016,945	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$183,982,335	NetAssetsOrFundBalancesEOYAmt
Mission	TO BUILD LASTING FINANCIAL RELATIONSHIPS THROUGH PERSONALIZED BANKING.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	ALL ACTIVITIES OF A STATE CHARTERED CREDIT UNION, INCLUDING FUNDING AND SERVICING OF LOANS, DEPOSITS, ACH SERVICES, ATM ACCESS, ETC. SERVICES ARE PROVIDED MONDAY THROUGH FRIDAY, WITH THE EXCEPTION OF FEDERAL HOLIDAYS.	Desc
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	Yes (1)	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	Yes (1)	GrantsToOrganizationsInd
Grants To Individuals	Yes (1)	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	Yes (1)	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	1156	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	397	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	13	GoverningBodyVotingMembersCnt
Independent Voting Member	13	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	0	LocalChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	RENEE NELSON EVPCFO	PersonNm
Phone	5413962145	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	200 N ADAMS STREET	AddressLine1Txt
City	COQUILLE	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97423	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (21 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Highest Compensated EmployeeHighestCompensatedEmployeeInd
ROBIN MCALPIN
BOARD MEMBER (CHAIRPERSON)	12.00	Yes (X)	Yes (X)	$23,250	$0	$0
SHAUN HOBACK
BOARD MEMBER (FORMER CHAIR)	10.00	Yes (X)	Yes (X)	$19,750	$0	$0
HALL THOMAS
BOARD MEMBER	10.00	Yes (X)		$18,500	$0	$0
LINDA FURMAN GRILE
BOARD MEMBER (SECRETARY)	10.00	Yes (X)	Yes (X)	$18,000	$0	$0
BRIAN MENEFEE
BOARD MEMBER (VICE-CHAIR)	10.00	Yes (X)	Yes (X)	$18,000	$0	$0
STEVE MOHRLAND
BOARD MEMBER	10.00	Yes (X)		$18,000	$0	$0
DAN GIBSON
BOARD MEMBER	10.00	Yes (X)		$18,000	$0	$0
FRANK SPROUL
BOARD MEMBER	10.00	Yes (X)		$18,000	$0	$0
DENNIS ERICKSON
BOARD MEMBER (TREASURER)	10.00	Yes (X)	Yes (X)	$18,000	$0	$0
GERALD PRICKETT
BOARD MEMBER	10.00	Yes (X)		$18,000	$0	$0
JUNE CHADBOURNE
BOARD MEMBER	10.00	Yes (X)		$18,000	$0	$0
MARY-ELLEN ROBBINS
BOARD MEMBER	10.00	Yes (X)		$18,000	$0	$0
ELIZABETH DAVIS
BOARD MEMBER	10.00	Yes (X)		$0	$0	$0
RENEE NELSON
EXECUTIVE VICE PRESIDENT/CFO	40.00		Yes (X)	$723,024	$0	$42,027
DAVID ELMER
PRESIDENT/CEO/TREASURER	40.00		Yes (X)	$668,339	$0	$42,027
DENISE HILL
EXECUTIVE VICE PRESIDENT/COO	40.00		Yes (X)	$304,187	$0	$2,971
MIKE LEEP
SVP FINANCE	40.00			$267,957	$0	$37,745	Yes (X)
ERIN SPENCER
SVP COMMUNICATIONS & ENGAGEMENT	40.00			$252,900	$0	$29,430	Yes (X)
KEVIN ISLEY
SVP EBANKING & DEVELOPMENT	40.00			$251,842	$0	$38,277	Yes (X)
WENDY OSGOOD
SVP BRANCH ADMINISTRATION	40.00			$249,270	$0	$25,714	Yes (X)
JEREMY ALGER
SVP INFORMATION TECHNOLOGY	40.00			$248,670	$0	$38,277	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$3,189,689	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$256,468	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	30	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
HARMON CONSTRUCTION
61393 HWY 101	COOS BAY	OR	97420	BUILDING SERVICES	$7,568,121
JACK HENRY & ASSOCIATES INC
PO BOX 609	MONETT	MO	65708	DATA SERVICES	$615,332
DIEBOLD
PO BOX 643543	PITTSBURGH	PA	15264	ATM SUPPORT	$557,767
DELL MARKETING LP
PO BOX 802816	CHICAGO	IL	60680	DATA SERVICES	$380,512
CENTURYLINK
100 CENTURYLINK DR	MONROE	LA	71203	TELECOM SERVICES	$326,451

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	15	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
INTEREST ON LOANS	522100	$37,447,320	$37,447,320
OTHER OPERATING INCOME	522100	$11,158,606	$11,158,606

Field	Value	IRS element (for citing)
Total Program Service Revenue	$48,605,926	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$12,474,578	TotalRevenueColumnAmt
Exclusion	$12,474,578	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$50,773	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$7,569	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	$43,204	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$43,204	TotalRevenueColumnAmt
Exclusion	$43,204	ExclusionAmt

Other Revenue Misc OtherRevenueMiscGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INSURANCE SALES	524298	$1,204,135	$1,204,135
INVESTMENT SERVICES	523940	$347,225	$347,225
NON-MEMBER ATM INCOME	522100	$133,006	$133,006

Field	Value	IRS element (for citing)
Other Revenue Total	$1,684,366	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$62,808,074	TotalRevenueColumnAmt
Related Or Exempt Func Income	$48,605,926	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$1,684,366	UnrelatedBusinessRevenueAmt
Exclusion	$12,517,782	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$304,714	TotalAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$66,000	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,698,917	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$20,308,802	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$492,094	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,639,077	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$3,336,758	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$53,322	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$71,325	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$128,712	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$389,529	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$6,639,403	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$2,191,603	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$2,064,266	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$101,799	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$292,578	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$5,022,538	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$2,189,368	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$269,403	TotalAmt

Other Expenses OtherExpensesGrp (3 entries)

DescDesc	TotalTotalAmt
REGULATORY FEES	$126,111
ASSOCIATION DUES	$60,281
PROVISIONS FOR LOSSES	-$10,100

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$47,436,500	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$10,995,670	BOYAmt
EOY	$10,313,138	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$252,967,434	BOYAmt
EOY	$184,316,427	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$2,449,907	BOYAmt
EOY	$18,923	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$963,051,286	BOYAmt
EOY	$963,274,698	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$1,516,934	BOYAmt
EOY	$1,895,387	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$92,071,871	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$17,435,616	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$66,710,254	BOYAmt
EOY	$74,636,255	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$458,388,052	BOYAmt
EOY	$401,482,620	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	-$2,104,763	BOYAmt
EOY	-$1,548,348	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$15,333,948	BOYAmt
EOY	$15,206,223	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$27,110,344	BOYAmt
EOY	$27,006,251	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$1,796,419,066	BOYAmt
EOY	$1,676,601,574	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$5,397,234	BOYAmt
EOY	$6,346,702	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$387,177	BOYAmt
EOY	$391,645	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,623,617,710	BOYAmt
EOY	$1,485,880,892	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,629,402,121	BOYAmt
EOY	$1,492,619,239	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$167,016,945	BOYAmt
EOY	$183,982,335	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$167,016,945	BOYAmt
EOY	$183,982,335	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$1,796,419,066	BOYAmt
EOY	$1,676,601,574	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$15,371,574	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$1,593,816	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	0	FSAuditedInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	0	AgentTrusteeEtcInd
Incl Escrow Custodial Acct Liab	Yes (1)	InclEscrowCustodialAcctLiabInd
Explanation Provided	Yes (X)	ExplanationProvidedInd

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$9,063,548	OtherCostOrOtherBasisAmt
Book Value	$9,063,548	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$68,307,273	OtherCostOrOtherBasisAmt
Depreciation	$6,433,229	DepreciationAmt
Book Value	$61,874,044	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$11,130,791	OtherCostOrOtherBasisAmt
Depreciation	$7,587,695	DepreciationAmt
Book Value	$3,543,096	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,570,259	OtherCostOrOtherBasisAmt
Depreciation	$3,414,692	DepreciationAmt
Book Value	$155,567	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$74,636,255	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARES	Desc
Amt	$1,485,880,892	Amt

Field	Value	IRS element (for citing)
Total Liability	$1,485,880,892	TotalLiabilityAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART IV, LINE 2B:	FormAndLineReferenceDesc
Explanation	FUNDS FOR TAXES AND INSURANCE COLLECTED ON BEHALF OF MEMBERS ARE HELD IN AN ESCROW ACCOUNT AND INCLUDED WITHIN THE BALANCE SHEET.	ExplanationTxt

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	0	GrantRecordsMaintainedInd

Recipient Table RecipientTable (20 entries)

Recipient EINRecipientEIN	IRC SectionIRCSectionDesc	Cash GrantCashGrantAmt	Non Cash AssistanceNonCashAssistanceAmt	Purpose Of GrantPurposeOfGrantTxt
CITY OF COQUILLE
936002143	GOVT	$50,500	$0	COMMUNITY SUPPORT
A FAMILY PLACE
930386860	501(C)(3)	$25,000	$0	COMMUNITY SUPPORT
COOS YOUTH AUCTION COMMITTEE
930915867	501(C)(3)	$23,910	$0	COMMUNITY SUPPORT
UMATILLA COUNTY FAIR
936001993	GOVT	$20,000	$0	COMMUNITY SUPPORT
KLAMATH COUNTY 4H
936031803	501(C)(3)	$17,920	$0	COMMUNITY SUPPORT
ROSEBURG ROTARY FOUNDATION
930820636	501(C)(3)	$16,887	$0	COMMUNITY SUPPORT
GRANTS PASS ACTIVE CLUB
930883280	501(C)(3)	$16,165	$0	COMMUNITY SUPPORT
DESCHUTES COUNTY 4H
274016418	501(C)(3)	$10,280	$0	COMMUNITY SUPPORT
HEARTS WITH A MISSION
208678122	501(C)(3)	$10,000	$0	COMMUNITY SUPPORT
LAKE COUNTY ROUNDUP
936002302	501(C)(3)	$10,000	$0	COMMUNITY SUPPORT
COQUILLE VOLUNTEER FIREFIGHTERS
931286393	501(C)(3)	$10,000	$0	COMMUNITY SUPPORT
SUTHERLIN THROWDOWN
884347289	501(C)(3)	$10,000	$0	COMMUNITY SUPPORT
HILLSBORO TUESDAY MARKET PLACE
931249105	501(C)(4)	$10,000	$0	COMMUNITY SUPPORT
PLAYEAST
936002161	GOVT	$10,000	$0	COMMUNITY SUPPORT
REDWOOD ELEMENTARY SCHOOL
936000542	GOVT	$10,000	$0	COMMUNITY SUPPORT
LAKE COUNTY 4H & FFA
452550090	501(C)(3)	$9,647	$0	COMMUNITY SUPPORT
WASHINGTON COUNTY LIVESTOCK
237066062	501(C)(3)	$9,645	$0	COMMUNITY SUPPORT
HARNEY COUNTY YOUTH LIVESTOCK
922899228	501(C)(3)	$9,381	$0	COMMUNITY SUPPORT
BOYS & GIRLS CLUB
930588108	501(C)(3)	$8,333	$0	COMMUNITY SUPPORT
COOS COUNTY FAIR & RODEO
936002289	GOVT	$6,500	$0	COMMUNITY SUPPORT

Field	Value	IRS element (for citing)
Total501c3 Org	19	Total501c3OrgCnt
Total Other Org	1	TotalOtherOrgCnt

Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp

Field	Value	IRS element (for citing)
Grant Type	SCHOLARSHIPS	GrantTypeTxt
Recipient	22	RecipientCnt
Cash Grant	$66,000	CashGrantAmt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Committee	Yes (X)	CompensationCommitteeInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (8 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
RENEE NELSON
EXECUTIVE VICE PRESIDENT/CFO	$506,650	$0	$191,950	$0	$24,424	$0	$15,000	$0	$27,027	$0	$765,051	$0	$0	$0
DAVID ELMER
PRESIDENT/CEO/TREASURER	$622,915	$0	$21,000	$0	$24,424	$0	$15,000	$0	$27,027	$0	$710,366	$0	$0	$0
DENISE HILL
EXECUTIVE VICE PRESIDENT/COO	$29,187	$0	$275,000	$0	$0	$0	$1,459	$0	$1,512	$0	$307,158	$0	$0	$0
MIKE LEEP
SVP FINANCE	$239,857	$0	$28,100	$0	$0	$0	$10,718	$0	$27,027	$0	$305,702	$0	$0	$0
KEVIN ISLEY
SVP EBANKING & DEVELOPMENT	$233,942	$0	$17,900	$0	$0	$0	$11,250	$0	$27,027	$0	$290,119	$0	$0	$0
JEREMY ALGER
SVP INFORMATION TECHNOLOGY	$230,770	$0	$17,900	$0	$0	$0	$11,250	$0	$27,027	$0	$286,947	$0	$0	$0
ERIN SPENCER
SVP COMMUNICATIONS & ENGAGEMENT	$235,000	$0	$17,900	$0	$0	$0	$11,250	$0	$18,180	$0	$282,330	$0	$0	$0
WENDY OSGOOD
SVP BRANCH ADMINISTRATION	$230,770	$0	$18,500	$0	$0	$0	$7,534	$0	$18,180	$0	$274,984	$0	$0	$0

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (7 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	EACH PERSON WHO HAS PURCHASED A $1 SHARE AND OPENED AN ACCOUNT WITH THE ORGANIZATION IS A MEMBER.
FORM 990, PART VI, SECTION A, LINE 7A	EACH MEMBER OF THE ORGANIZATION CAN VOTE FOR THE MEMBERS OF THE BOARD OF DIRECTORS.
FORM 990, PART VI, SECTION A, LINE 7B	EACH MEMBER OF THE ORGANIZATION CAN VOTE FOR ISSUES THAT ARE BROUGHT BEFORE THE MEMBERSHIP TO BE VOTED ON.
FORM 990, PART VI, SECTION B, LINE 11B	THE FORM 990 IS PREPARED BY THE SENIOR VICE PRESIDENT FINANCE. IT IS REVIEWED BY THE CHIEF FINANCIAL OFFICER, AND IS THEN PRESENTED TO THE EXECUTIVE COMMITTEE FOR REVIEW.
FORM 990, PART VI, SECTION B, LINE 12C	THE CREDIT UNION HAS AND MAINTAINS A CONFLICT OF INTEREST POLICY. THE POLICY INCLUDES MEMBERS OF SENIOR AND EXECUTIVE MANAGEMENT AS WELL AS BOARD MEMBERS. IF A CONFLICT OF INTEREST WERE TO ARISE, IT WOULD BE REPORTED AT THE NEXT SCHEDULED BOARD MEETING. VARIOUS CONTROLS ARE IN PLACE TO HELP DETER THESE TYPES OF RELATIONSHIPS OR TRANSACTIONS AND IS MONITORED BY MANAGEMENT. THE POLICY IS REVIEWED ANNUALLY FOR ANY NECESSARY CHANGES OR UPDATES.
FORM 990, PART VI, SECTION B, LINE 15	ANNUAL REVIEWS ARE PERFORMED BY THE BOARD FOR THE CEO AT THE BEGINNING OF EACH YEAR, USING SALARY SURVEY DATA. THE PERFORMANCE FOR THE LAST YEAR IS ANALYZED AND PAY INCREASES ARE ADMINISTERED AS DEEMED NECESSARY. THE CEO DOES THE SAME ANNUAL REVIEW PROCESS WITH THE OTHER OFFICERS OF THE ORGANIZATION AND ALSO ADMINISTERS ANY BOARD APPROVED SALARY INCREASES AS WARRANTED.
FORM 990, PART VI, SECTION C, LINE 19	GOVERNING DOCUMENTS OF THE ORGANIZATION ARE AVAILABLE UPON REQUEST, AS WELL AS THE MONTHLY FINANCIAL STATEMENTS. THE FINANCIAL STATEMENTS ARE ALSO POSTED IN THE BRANCHES FOR REVIEW BY THE PUBLIC.

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp

Disregarded Entity Name DisregardedEntityName

Field	Value	IRS element (for citing)
Business Name Line1	OREGON FINANCIAL SERVICES LLC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	200 N ADAMS STREET	AddressLine1Txt
City	COQUILLE	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97423	ZIPCd

Field	Value	IRS element (for citing)
EIN	930468003	EIN
Primary Activities	INSURANCE	PrimaryActivitiesTxt
Legal Domicile State	OR	LegalDomicileStateCd
Total Income	$974,757	TotalIncomeAmt
End Of Year Assets	$74,821	EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

Field	Value	IRS element (for citing)
Business Name Line1	FCCU	BusinessNameLine1Txt