2024-11-11T14:45:00-06:00 2023-12-31 910189318 MOSS ADAMS LLP 805 SW BROADWAY STE 1400 PORTLAND OR 97205 990 2023-01-01 930243503 UNITUS COMMUNITY CREDIT UNION UNIT 5034238839 7632 SW DURHAM ROAD TIGARD OR 972247584 MICHAEL NAMBA SVP- CHIEF FINANCIAL OFFICER 5034238839 2024-11-08 1 1 WENDY CAMPOS P00448102 5032421447 2024-11-06 2023 2024-10-15 13:58:12Z X STEVEN STAPP 7632 SW DURHAM ROAD TIGARD OR 972247584 81210001 0 X WWW.UNITUSCCU.COM X 1937 OR AS A CREDIT UNION DEDICATED TO COMMUNITY DEVELOPMENT, UNITUS IS COMMITTED TO PROMOTING COMMUNITY DEVELOPMENT BY BREAKING DOWN BARRIERS TO ACCESSIBILITY FOR EVERY COMMUNITY AND HOUSEHOLD, IRRESPECTIVE OF THEIR SOCIOECONOMIC STATUS. PART OF THIS COMMITMENT INCLUDES PURPOSEFULLY PROVIDING EDUCATION AND INCLUSIVE ACCESS TO AFFORDABLE CREDIT AND SERVICES TO LOW-INCOME CONSUMERS AND PEOPLE LIVING IN LOCAL LOW-INCOME INVESTMENT AREAS. WE DIRECT OUR SERVICES TO IMPROVING FINANCIAL WELLBEING FOR FAMILIES AND PROMOTING COMMUNITY DEVELOPMENT IN OUR LOCAL LOW-INCOME COMMUNITIES. OUR APPROACH IS CENTERED AROUND INCLUSIVITY, ENSURING THAT WE PROVIDE SUPPORT THROUGHOUT THEIR LIFE'S DEFINING MOMENTS. THIS HOLISTIC APPROACH INSPIRES HOPE AND CONFIDENCE, POSITIONING UNITUS AS A TRUSTED PARTNER WITHIN OUR COMMUNITY. OUR COMMITMENT TO THIS EFFORT AIMS TO CLOSE EQUITY GAPS AND FOSTER FINANCIAL WELL-BEING FOR ALL. 6 6 353 0 503953 145067 0 0 66098500 71903001 4066509 7808970 670890 698199 70835899 80410170 847997 806759 0 0 31738256 33419825 0 0 0 30072100 44046769 62658353 78273353 8177546 2136817 1727213456 1723073803 1576500715 1564007399 150712741 159066404 TOGETHER WE INSPIRE HOPE BY NAVIGATING THROUGH LIFE'S DEFINING MOMENTS. 0 0 PROVIDE FINANCIAL SERVICES TO 104,933 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. SUPPORT COMMUNITIES IN OUR FIELD OF MEMBERSHIP, INCLUDING CORPORATE PHILANTHROPY. 0 0 1 0 0 0 0 1 1 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 36370 362 1 353 1 1 1 0 0 0 0 0 0 0 X 6 6 0 0 0 0 1 1 0 1 1 0 0 1 1 1 1 1 1 1 1 1 1 OR X MICHAEL NAMBA 5034238839 7632 SW DURHAM ROAD TIGARD OR 97224 MATTHEW MICETIC BOARD CHAIR 3.00 X X 20753 0 0 SOMNATH BANERJEE DIRECTOR 3.00 X 20247 0 0 NICOLE DAVISON LEON BOARD VICE CHAIR 3.00 X X 16000 0 0 RHONDA CRAMER BOARD SECRETARY 3.00 X X 16000 0 0 FRANK CHINN DIRECTOR 3.00 X 16000 0 0 LAURA CONROY THRU 32123 DIRECTOR 3.00 X 16000 0 0 TIFFINI MUELLER DIRECTOR 3.00 X 16000 0 0 STEVEN STAPP PRESIDENT - CHIEF EXECUTIVE OFFICER 40.00 X 895002 0 81754 DAVID FEHRER EVP - CHIEF STRATEGY AND INNOVATION OFFICER 40.00 X 436371 0 54304 MICHAEL NAMBA SVP - CHIEF FINANCIAL OFFICER 40.00 X 413591 0 51676 BRIAN DEVEREUX SVP - CHIEF LENDING OFFICER 40.00 X 376244 0 34580 GAYLE EVANS THRU 11323 SVP - CHIEF HUMAN RESOURCES OFFICER 40.00 X 326769 0 25054 CORLINDA WOODEN THRU 121223 SVP - CHIEF RETAIL OFFICER 40.00 X 294844 0 43228 JAMES ALEXANDER SVP - CHIEF RISK OFFICER 40.00 X 268399 0 42769 JESSICA BROWN VP - CHIEF HUMAN RESOURCES OFFICER 40.00 X 198934 0 14808 KEVIN SMITH VP - INFORMATION TECHNOLOG 40.00 X 201643 0 35343 RICHARD HIGH AVP - CREDIT ADMINISTRATION 40.00 X 194213 0 24014 WAYNE MATSUMURA AVP - BUSINESS LENDING 40.00 X 182394 0 23399 RONDA WAGNER AVP - CONSUMER LENDING 40.00 X 178533 0 25299 LAWRENCE CAVASSO AVP - CONTROLLER 40.00 X 162787 0 40626 JOHN BACHMAN MGR - INFORMATION TECHNOLOGY 40.00 X 178230 0 24203 AMY OLSON AVP - RESIDENTIAL MORTGAGE LENDING 40.00 X 155520 0 37895 AARON BLEDY DIRECTOR - COMMERCIAL SERVICES 40.00 X 151819 0 34238 MEGAN SNYDER VP - STRATEGIC PARTNERSHIPS 40.00 X 171155 0 13708 ROSE HALFORD AVP - TRAINING & STRATEGY 40.00 X 158221 0 22570 LORI FINK AVP - MARKETING & BRAND DEVELOPMENT 40.00 X 155936 0 22358 KATHRINE POPOVICH DIRECTOR - PROJECT MANAGEMENT 40.00 X 151909 0 22290 CHARLOTTE SEARS VP - MX AND PRODUCT MANAGEMENT 40.00 X 152531 0 21189 JONATHAN BUHACOFF ASST MGR - SOFTWARE ENGINEERING 40.00 X 141664 0 34301 CHRISTOPHER JOHNSON MGR - BUSINESS INTELLIGENCE 40.00 X 144045 0 31192 KENNETH RIEDEL AVP - REGIONAL MANAGER 40.00 X 147252 0 23005 GRETCHEN GARDNER DIRECTOR ORGANIZATIONAL DEVELOPMENT 40.00 X 148030 0 21707 ALEXANDRE LABARRE SR. CREDIT RISK ANALYST 40.00 X 139014 0 21481 6246050 0 826991 77 0 1 0 MOMENTUM INC 109 BELL STREET STE E SEATTLE WA 98121 CONSTRUCTION COMPANY 4409255 ALKAMI TECHNOLOGY INC 5601 GRANITE PARKWAY SUITE 120 PLANO TX 75024 CLOUD-BASED DIGITAL BANKING SOLUTIONS 1861254 MEMBER ACCESS PACIFIC 20829 72ND AVE S SUITE 600 KENT WA 98032 CARD SERVICES MANAGEMENT 1484440 R & H CONSTRUCTION CO 2019 NW WILSON ST PORTLAND OR 97209 CONSTRUCTION COMPANY 1120578 EDGE MULTIMEDIA INC 15640 NE FOURTH PLAIN BLVD STE 106 PLANO TX 75024 MARKETING SERVICES 873555 55 INTEREST ON LOANS 522100 61217658 61217658 SERVICE CHARGES & FEES 522100 14266970 13783311 483659 MORTGAGE BANKING/LOAN 522100 2153857 2153857 DEFERRED LOAN FEE EARN 522100 -5735484 -5735484 71903001 7803837 7803837 1477736 799831 677905 677905 677905 5133 0 5133 5133 5133 PASSTHROUGH INCOME 518210 20294 20294 20294 80410170 71419342 503953 8486875 789259 17500 6221351 18563888 2040833 4140617 2453136 96149 139730 1549689 1481813 2139450 5051561 3707829 76246 4496 18593879 2088463 282378 PROVISION FOR LOAN LOSS 2728022 LOAN SERVICING 1803575 VISA SUPPORT 1266031 UBI TAXES 180750 2856708 78273353 72467735 178301678 1305762 993347 296420 289061 1364633974 1261253576 1976009 2253935 66745782 25587238 34361681 41158544 197855058 187043618 18233185 15473058 36083632 36306986 1727213456 1723073803 20558014 51976232 1555942701 1512031167 1576500715 1564007399 X 0 0 0 0 150712741 159066404 150712741 159066404 1727213456 1723073803 X 2136817 6216846 X 0 1 X 1 0 12000 12000 1 CREDIT UNION LEGISLATIVE ACTION FUND PO BOX 1900 BEAVERTON OR 970751900 800043051 12000 PART I-A, LINE 1: THE CREDIT UNION HAS ONLY INDIRECT POLITICAL CAMPAIGN ACTIVITY: A CONTRIBUTION TO THE CREDIT UNION LEGISLATIVE ACTION FUND. 0 0 2555721 62039 -111801 2505959 2493724 61997 2555721 1129893 1363831 2493724 1083097 46796 1129893 1030134 52963 1083097 1.00000 0 0 8771576 8771576 20365230 763696 19601534 15514494 11326282 4188212 15725208 13497260 2227948 6369274 6369274 41158544 MEMBERS' SHARES 1502681571 LEASE LIABILITIES 9349596 1512031167 X 81659756 485273 485273 81174483 -764313 -764313 80410170 79073184 0 79073184 -799831 -799831 78273353 PART V, LINE 4: FOR FUTURE DONATIONS TO CHARITABLE ORGANIZATIONS PART X, LINE 2: FIN 48 (ASC 740) UNCERTAIN TAX POSITIONS FOOTNOTE - THE CREDIT UNION WOULD RECOGNIZE A TAX BENEFIT FOR UNCERTAIN TAX POSITIONS ONLY IF IT IS MORE LIKELY THAN NOT THAT THE TAX POSITIONS WOULD BE SUSTAINED ON EXAMINATION BY THE TAXING AUTHORITIES, BASED ON TECHNICAL MERITS OF THE POSITION. THE TAX BENEFIT WOULD BE MEASURED BASED ON THE LARGEST BENEFIT THAT HAS A GREATER THAN 50% LIKELIHOOD OF BEING REALIZED UPON ULTIMATE SETTLEMENT. THE CREDIT UNION RECOGNIZES INTEREST ACCRUED AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS AS AN ADMINISTRATIVE EXPENSE. NO INTEREST AND PENALTIES WERE RECOGNIZED FOR THE YEARS ENDED DECEMBER 31, 2023 AND 2022. PART XI, LINE 4B - OTHER ADJUSTMENTS: PASSTHROUGH INCOME 35,518. RENTAL EXPENSES -799,831. PART XII, LINE 4B - OTHER ADJUSTMENTS: RENTAL EXPENSES -799,831. 1 PORTLAND ROSE FESTIVAL 1020 SW NAITO PARKWAY PORTLAND OR 97204 930333036 501(C)(3) 85000 0 PROVIDE SUPPORT FOR THE 2024 COURT PROGRAM FOR COURT TRAVEL, WARDROBE AND COMMUNITY OUTREACH GOWEST FOUNDATION 18000 INTERNATIONAL BLVD SEA TAC WA 98188 911649328 501(C)(3) 47550 0 URBAN LEAGUE INITIATIVE AND CU4KIDS AUCTION SUPPORT JUNIOR ACHIEVEMENT OF OR & SW WA 7830 SE FOSTER ROAD PORTLAND OR 97206 930384007 501(C)(3) 25000 0 JA BIZTOWN PROGRAM TO SUPPORT 5TH GRADE ECONOMICS PRINCIPLES CHILDREN'S MIRACLE NETWORK HOSPITALS 205 WEST 700 SOUTH SALT LAKE CITY UT 84101 870387205 501(C)(3) 15200 0 CU4KIDS NW CLASSIC GOLF TOURNAMENT SUPPORT AND DONATION TO SACRED HEART RANDALL CHILDREN'S HOSPITAL FOUNDATION PO BOX 4484 PORTLAND OR 97208 931314469 501(C)(3) 14361 0 FAMILY BIRTH CENTER EXPANSION AND RCH DONATION MARION POLK FOOD SHARE INC 1660 SALEM INDUSTRIAL DRIVE NE SALEM OR 97301 943034161 501(C)(3) 11000 0 AWARE FOOD BANK DONATION HISPANIC METROPOLITAN CHAMBER PO BOX 1837 PORTLAND WA 97207 931156358 501(C)(3) 10853 0 HISPANIC DINNER DONATION, SCHOLARSHIP LUNCHEON AND BRANCH DONATION NATIONAL CREDIT UNION FOUNDATION PO BOX 78880 MILWAUKEE WI 53278 391383650 501(C)(3) 10000 0 IMPACTGRANT RENEWAL AND CUAID DONATION FOR HAWAII WILDFIRES WORLD OREGON 1207 SW BROADWAY STE 300 PORTLAND OR 97205 930568356 501(C)(3) 10000 0 YOUNG LEADERS IN ACTION PROGRAM THAT EDUCATES PORTLAND METRO STUDENTS IN LEADERSHIP SKILLS CLACKAMAS SERVICE CENTER 8800 SE 80TH AVENUE PORTLAND OR 97206 930626175 501(C)(3) 10000 0 FOOD HUB EXPANISION SUPPORT TO INCREASE FOOD STORAGE CAPACITY TO FURTHER OUTREACH SNOWCAP COMMUNITY CHARITIES PO BOX 160 FAIRVIEW OR 97024 237121915 501(C)(3) 10000 0 COVENANT CAMPUS EXPANISION SUPPORT TO INCREASE FOOD STORAGE CAPACITY TO FURTHER OUTREACH LATINO NETWORK 410 NE 18TH AVE PORTLAND OR 97232 731675402 501(C)(3) 10000 0 SUMMER BRIDGE PROGRAM SUPPORT TO ASSIST WITH THE TRANSITION FROM HIGH SCHOOL TO HIGHER EDUCATION AMERICAN ONLINE GIVING FOUNDATION 40 EAST MAIN ST STE 887 NEWARK DE 19711 810739440 501(C)(3) 9905 0 FUNDS PROVIDED TO EMPLOYEES TO DONATE TO A 501(C)(3) OF THEIR CHOOSING AND CU4KIDS EMPLOYEE DONATION MATCH CHILDREN'S CANCER ASSOCIATION 1200 NW NAITO PARKWAY STE 140 PORTLAND OR 97209 931181662 501(C)(3) 5250 0 #MYRCH FUNDRAISING GALA SUPPORT 14 ACADEMIC SCHOLARSHIPS - BASED ON GPA OF DEMONSTRATED POTENTIAL IN CHOSEN FIELD AND COMMUNITY INVOLVEMENT 7 17500 PART I, LINE 2: THE CREDIT UNION SENDS SCHOLARSHIP RECIPIENTS A NOTICE OF AWARD SPECIFYING THE TERMS OF THE SCHOLARSHIP AWARD, WHICH THE RECIPIENT IS REQUIRED TO SIGN AND RETURN TO THE ORGANIZATION. THE CREDIT UNION WILL THEN SEND A CHECK DIRECTLY TO THE FINANCIAL AID OFFICE OF THE INSTITUTION TO BE ATTENDED. THE FINANCIAL AID OFFICE WILL DISBURSE THE FUNDS IN PAYMENT OF FEES OR OTHER CHARGES UPON VERIFICATION AS A FULL-TIME STUDENT. REFUNDS RESULTING FROM A STUDENT'S FAILURE TO COMPLETE A FULL STUDY PERIOD WILL BE RETURNED TO THE CREDIT UNION FOR DEPOSIT IN THE SCHOLARSHIP ACCOUNT. X X 1 1 X X X X 0 1 0 STEVEN STAPP PRESIDENT - CHIEF EXECUTIVE OFFICER 482447 0 232000 0 180555 0 48989 0 32765 0 976756 0 168555 0 DAVID FEHRER EVP - CHIEF STRATEGY AND INNOVATION 346264 0 90107 0 0 0 26400 0 27904 0 490675 0 0 0 MICHAEL NAMBA SVP - CHIEF FINANCIAL OFFICER 344678 0 68913 0 0 0 23772 0 27904 0 465267 0 0 0 BRIAN DEVEREUX SVP - CHIEF LENDING OFFICER 298337 0 77882 0 25 0 23346 0 11234 0 410824 0 0 0 GAYLE EVANS THRU 11323 SVP - CHIEF HUMAN RESOURCES OFFICER 261298 0 65471 0 0 0 25054 0 0 0 351823 0 0 0 CORLINDA WOODEN THRU 121223 SVP - CHIEF RETAIL OFFICER 232756 0 62088 0 0 0 23939 0 19289 0 338072 0 0 0 JAMES ALEXANDER SVP - CHIEF RISK OFFICER 210888 0 57511 0 0 0 21765 0 21004 0 311168 0 0 0 KEVIN SMITH VP - INFORMATION TECHNOLOG 180408 0 21235 0 0 0 14339 0 21004 0 236986 0 0 0 RICHARD HIGH AVP - CREDIT ADMINISTRATION 182733 0 11480 0 0 0 14021 0 9993 0 218227 0 0 0 JESSICA BROWN VP - CHIEF HUMAN RESOURCES OFFICER 179767 0 19167 0 0 0 14808 0 0 0 213742 0 0 0 WAYNE MATSUMURA AVP - BUSINESS LENDING 170858 0 11536 0 0 0 12737 0 10662 0 205793 0 0 0 RONDA WAGNER AVP - CONSUMER LENDING 167459 0 11074 0 0 0 14189 0 11110 0 203832 0 0 0 LAWRENCE CAVASSO AVP - CONTROLLER 152099 0 10688 0 0 0 12722 0 27904 0 203413 0 0 0 JOHN BACHMAN MGR - INFORMATION TECHNOLOGY 167170 0 11060 0 0 0 14210 0 9993 0 202433 0 0 0 AMY OLSON AVP - RESIDENTIAL MORTGAGE LENDING 145654 0 9866 0 0 0 9991 0 27904 0 193415 0 0 0 AARON BLEDY DIRECTOR - COMMERCIAL SERVICES 142234 0 9585 0 0 0 6334 0 27904 0 186057 0 0 0 MEGAN SNYDER VP - STRATEGIC PARTNERSHIPS 161268 0 9887 0 0 0 13708 0 0 0 184863 0 0 0 ROSE HALFORD AVP - TRAINING & STRATEGY 148247 0 9974 0 0 0 12577 0 9993 0 180791 0 0 0 LORI FINK AVP - MARKETING & BRAND DEVELOPMENT 145962 0 9974 0 0 0 12365 0 9993 0 178294 0 0 0 JONATHAN BUHACOFF ASST MGR - SOFTWARE ENGINEERING 141664 0 0 0 0 0 6397 0 27904 0 175965 0 0 0 CHRISTOPHER JOHNSON MGR - BUSINESS INTELLIGENCE 134625 0 9420 0 0 0 10678 0 20514 0 175237 0 0 0 KATHRINE POPOVICH DIRECTOR - PROJECT MANAGEMENT 142491 0 9418 0 0 0 12297 0 9993 0 174199 0 0 0 CHARLOTTE SEARS VP - MX AND PRODUCT MANAGEMENT 144242 0 8289 0 0 0 11196 0 9993 0 173720 0 0 0 KENNETH RIEDEL AVP - REGIONAL MANAGER 137928 0 9324 0 0 0 11771 0 11234 0 170257 0 0 0 GRETCHEN GARDNER DIRECTOR ORGANIZATIONAL DEVELOPMENT 138391 0 9639 0 0 0 11714 0 9993 0 169737 0 0 0 ALEXANDRE LABARRE SR. CREDIT RISK ANALYST 131350 0 7664 0 0 0 11488 0 9993 0 160495 0 0 0 PART I, LINE 1A BOARD MEMBERS BRING SPOUSES TO THE GAC CONFERENCE EACH YEAR. ADDITIONALLY, THE CREDIT UNION PAYS MEMBERSHIP FEES FOR UNIVERSITY CLUB FOR THE PRESIDENT. THESE ITEMS WERE NOT INCLUDED IN TAXABLE INCOME. PART I, LINE 4B THE CREDIT UNION AT TIMES ENTERS INTO 457(F) DEFERRED COMPENSATION AGREEMENTS WITH MEMBERS OF EXECUTIVE MANAGEMENT THAT PROVIDE BENEFITS PAYABLE TO PARTICIPANTS BASED ON VARYING CONDITIONS, TYPICALLY LENGTH OF SERVICE. BENEFITS ARE SUBJECT TO FORFEITURE IF EMPLOYMENT IS TERMINATED FOR CAUSE AS DEFINED IN THE AGREEMENTS. IN 2023, STEVEN STRAPP PARTICIPATED IN A SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN. UNITUS CONTRIBUTED $22,500 TO THE PLAN WHICH IS INCLUDED IN THEIR DEFERRED COMPENSATION REPORTED ON SCHEDULE J, PART II. BRIAN DEVEREUX CHIEF LENDING OFFICER AUTO X 24283 2291 0 1 1 CORLINDA WOODEN CHIEF RETAIL OFFICER AUTO X 41891 19039 0 1 1 CORLINDA WOODEN CHIEF RETAIL OFFICER AUTO X 15000 9515 0 1 1 JAMES ALEXANDER CHIEF RISK OFFICER MORTGAGE X 278150 192297 0 1 1 JAMES ALEXANDER CHIEF RISK OFFICER RV X 50954 45383 0 1 1 JAMES ALEXANDER CHIEF RISK OFFICER EQUITY PLUS X 0 20536 0 1 1 289061 FORM 990, PART VI, SECTION A, LINE 6 CREDIT UNION MEMBERS WITH PRIME SHARE ACCOUNTS ARE ABLE TO VOTE AND VOLUNTEER FOR THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION A, LINE 7A CREDIT UNION MEMBERS ARE ENTITLED TO ONE VOTE EACH IN ELECTIONS OF THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 11B THE FINANCE MANAGER REVIEWS ALL ENTRIES TO FORM 990 BY COMPARING THE ENTRIES TO BOOKS OF THE CORPORATION. THE CFO AND PRESIDENT ALSO THEN REVIEW FORM 990 BEFORE FILING. THE EXECUTIVE COMMITTEE OF THE BOARD OF DIRECTORS PERFORMS A FINAL REVIEW, AND A COPY OF FORM 990 IS PROVIDED TO ALL BOARD MEMBERS BEFORE THE FORM IS FILED. FORM 990, PART VI, SECTION B, LINE 12C A BOARD-APPROVED STANDARDS OF CONFLICT POLICY EXISTS TO ADDRESS ACTUAL OR PERCEIVED CONFLICTS OF INTEREST. THE POLICY APPLIES TO ALL EMPLOYEES AND THE BOARD/OFFICIAL FAMILY. CONFLICTS OF INTEREST ARE REPORTED AND HANDLED BY THE CHIEF RISK OFFICER, CHIEF EXECUTIVE OFFICER, OR BOARD CHAIRPERSON DEPENDING ON WHO IS INVOLVED IN THE CONFLICT. CONFLICTS OF INTEREST ARE GENERALLY AVOIDED AND THE APPROPRIATE COURSE OF ACTION IS DETERMINED BASED ON THE SITUATION. FORM 990, PART VI, SECTION B, LINE 15 THE PEOPLE & CULTURE DEPARTMENT HIRES AN OUTSIDE CONSULTANT TO PERFORM A MARKET SURVEY FOR THE CEO COMPENSATION PACKAGE. THE RESULTS ARE THEN COMPILED AND A RECOMMENDATION IS PRESENTED TO THE EXECUTIVE COMMITTEE. RECOMMENDATIONS CONFORM TO A BOARD-APPROVED COMPENSATION PHILOSOPHY. THE HUMAN RESOURCES DEPARTMENT HIRES AN OUTSIDE CONSULTANT TO PERFORM A MARKET SURVEY FOR OFFICER AND OTHER KEY EMPLOYEE COMPENSATION PACKAGES. THE RESULTS ARE THEN COMPILED AND ARE SUBJECT TO APPROVAL BY THE CEO. RECOMMENDATIONS CONFORM TO A BOARD-APPROVED COMPENSATION PHILOSOPHY. THESE PROCESSES ARE UNDERTAKEN ANNUALLY EACH FEBRUARY. FORM 990, PART VI, SECTION C, LINE 19 A PAPER COPY OF THE AUDITED FINANCIAL STATEMENTS MAY BE VIEWED IN THE FINANCE DEPARTMENT AT AN INDIVIDUAL'S REQUEST. ADDITIONALLY, ANNUAL REPORTS ARE AVAILABLE VIA THE CREDIT UNION'S WEBSITE. GOVERNING DOCUMENTS AND THE CONFLICT OF INTEREST POLICY ARE NOT MADE AVAILABLE TO THE PUBLIC. FORM 990, PART XI, LINE 9: PASSTHROUGH INCOME -35,518. OTHER COMPREHENSIVE INCOME 5,767,091. UNREALIZED GAIN/LOSS 485,273.