2025-05-06T13:48:23-05:00 2024-12-31 910189318 MOSS ADAMS LLP 805 SW BROADWAY STE 1400 PORTLAND OR 97205 990 2024-01-01 930257765 ONPOINT COMMUNITY CREDIT UNION ONPO 5032731764 PO BOX 3750 PORTLAND OR 972083750 JAMES HUNT SVP/CFO 5032731764 2025-05-05 1 1 WENDY CAMPOS P00448102 5032421447 2025-05-05 2024 2025-03-06 01:10:19Z ROBERT STUART PO BOX 3750 PORTLAND OR 972083750 559213079 0 X WWW.ONPOINTCU.COM X 1932 OR PROMOTE THE FINANCIAL WELL-BEING OF CREDIT UNION MEMBERS THROUGH FINANCIAL PRODUCTS AND SERVICES. 8 8 1393 0 1016300 0 0 0 340768271 416484555 99732568 139736548 0 0 440500839 556221103 12836320 14036639 0 0 121285732 139603362 0 0 0 190987570 277838280 325109622 431478281 115391217 124742822 8738629867 9711312299 7650433252 8482880302 1088196615 1228431997 PROMOTE THE FINANCIAL WELL-BEING OF CREDIT UNION MEMBERS THROUGH FINANCIAL PRODUCTS AND SERVICES. 0 0 IN 2024, MEMBERSHIP IN THE CREDIT UNION GREW TO 594,521 MEMBERS. ONPOINT COMMUNITY CREDIT UNION PROVIDED THE MEMBERSHIP WITH FINANCIAL SERVICES, INCLUDING THE PROVISION OF 272,441 LOANS AND 1,296,616 DEPOSIT ACCOUNTS TO MEMBERS AT COMPETITIVE RATES. 0 0 1 0 0 0 0 1 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 252815 0 1 1393 1 1 1 0 0 0 0 0 0 0 1 0 X 8 8 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 0 0 X STEVE BROUILLET CONTROLLER 5032214118 2701 NW VAUGHN STREET SUITE 800 PORTLAND OR 97210 K DURHAM DIRECTOR 6.50 X 91616 0 0 K THOMAJAN DIRECTOR 6.50 X 71606 0 0 D NAKATA BOARD CHAIR 13.00 X X 71514 0 0 M MROCZEK DIRECTOR 6.50 X 69114 0 0 M DAMM DIRECTOR 6.50 X 67096 0 0 M WILLER BOARD SECRETARY 6.50 X X 65164 0 0 A SLAGLE BOARD VICE CHAIR 6.50 X X 65000 0 0 F TRIPP DIRECTOR 6.50 X 64413 0 0 G CHANDLER DIRECTOR 6.50 X 60000 0 0 R STUART PRESIDENT/CEO 50.00 X 2279673 0 280659 J HUNT SVP/CHIEF FINANCIAL OFFICER 45.00 X 1089114 0 167334 S LEUGERS SVP/CHIEF LENDING OFFICER 45.00 X 970703 0 145688 T MCVAY SVP/CHIEF RETAIL OFFICER 45.00 X 1025851 0 166592 J ARMSTRONG SVP/CHIEF OPERATIONS OFFICER 45.00 X 929506 0 152362 T CLEVENGER SVP/CHIEF MARKETING OFFICER 45.00 X 681239 0 140167 W OLIVER SVP/CHIEF LEGAL OFFICER 45.00 X 652179 0 132550 C ANDERSON SVP/CHIEF RISK OFFICER 45.00 X 648068 0 127800 P GROMAN SVP/CHIEF PEOPLE OFFICER 45.00 X 622535 0 135033 B HARDING SVP/CHIEF COMMERCIAL OFFICER 45.00 X 445677 0 133117 D LAVIOLETTE SVP/CHIEF INFORMATION OFFICER 45.00 X 344578 0 34294 A EMERSON VP/ONPOINT MORTGAGE 45.00 X 502128 0 129884 M LINDAY-LIPKINS VP/ONPOINT INVESTMENT SERVICES 45.00 X 435422 0 45050 D BARTOSZ FINANCIAL ADVISOR 45.00 X 413831 0 57430 M CASIANO MORTGAGE LOAN OFFICER 45.00 X 415906 0 49871 N BERNING FINANCIAL ADVISOR 45.00 X 409961 0 45050 12491894 0 1942881 244 0 1 0 FISERV INC 75 REMITTANCE DR STE 6959 CHICAGO IL 60675 CARD & ATM NETWORK PROCESSING 11524147 VISA PO BOX 8999 SAN FRANCISCO CA 94128 DEBIT & CREDIT CARD PROCESSING 8531740 PAYMENT SYSTEMS FOR CREDIT UNION 560 CARILLON PARKWAY ST PETERSBURG FL 33176 CREDIT CARD PROCESSING 7853503 Q2 SOFTWARE INC 2975 REGENT BLVD IRVING TX 75320 ONLINE BANKING 6557813 BORDERS PERRIN & NORRANDER INC 520 SW YAMHILL ST STE 950 PORTLAND OR 97204 MARKETING SERVICES 4788778 105 INTEREST MEMBER LOANS 522100 311516015 311516015 INTERCHANGE INCOME 522100 60809942 60809942 OTHER OPERATING INCOME 522100 29526927 28774046 752881 SERVICE FEES 522100 14631671 14368252 263419 416484555 139149642 139149642 2861860 717022 2573605 418371 288255 298651 586906 586906 556221103 415468255 1016300 139736548 14036639 11930243 92257242 8795016 16978144 9642717 222486 298867 42206273 12994466 21533363 12625103 14651939 823148 1015257 128454289 7352755 587721 LOAN LOSS PROVISION 23202231 11870382 431478281 1381587422 274375841 7490018 2097861782 35662866 36528663 5256169628 5755061533 9049944 11776795 91140017 50599916 40418256 40540101 1741234112 1341522192 84064419 6402350 182953202 147243042 8738629867 9711312299 225125084 155513431 3392857 3161622 4253842 6020365 7417661469 8318184884 7650433252 8482880302 X 0 0 0 0 1088196615 1228431997 1088196615 1228431997 8738629867 9711312299 124742822 15492560 0 X 0 1 X 1 0 50150 0 50150 50150 1 GOWEST CREDIT UNION ASSOCIATION 18000 INTL BLVD 1102 SEATAC WA 98188 911649328 25000 OREGON BUSINESS & INDUSTRY ASSOCIATION PAC 1149 COURT STREET NE SALEM OR 97301 823435454 25000 ASSOCIATION OF WASHINGTON BUSINESS PAC PO BOX 658 OLYMPIA WA 98507 910496803 150 PART I-A, LINE 1: ANNUAL CONTRIBUTIONS TO THE CREDIT UNION LEGISLATIVE ACTION FUND, WHICH ENHANCES CREDIT UNION VISIBILITY AMONG LAWMAKERS AND BUILDS STRONG POLITICAL RELATIONSHIPS. ADDITIONAL CONTRIBUTIONS TO THE OREGON BUSINESS & INDUSTRY PAC AND ASSOCIATION OF WASHINGTON BUSINESS PAC. 0 1 X 3415986 3415986 6569987 2148984 4421003 40017489 23931093 16086396 35972906 24160207 11812699 5163649 359632 4804017 40540101 SAVINGS 5397463440 CHECKING 2259134337 MONEY MARKET ACCOUNTS 276066273 INDIVIDUAL RETIREMENT ACCOUNTS 168721136 CERTIFICATES OF DEPOSIT 163102095 BORROWINGS 3234400 OPERATING LEASE LIABILITIES 50463203 8318184884 X 571713664 15492561 15492561 556221103 0 556221103 431478281 0 431478281 0 431478281 PART IV, LINE 2B: THE FUNDS ONPOINT COLLECTS FOR TAXES AND INSURANCE ON BEHALF OF ITS MEMBERS ARE HELD IN AN ESCROW ACCOUNT AND INCLUDED WITHIN THE BALANCE SHEET. PART X, LINE 2: THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL INCOME TAXES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION DESCRIBED IN IRC SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. EXEMPT ORGANIZATION AND UNRELATED BUSINESS INCOME TAX RETURNS ARE FILED ANNUALLY WITH THE APPLICABLE FEDERAL, STATE, AND LOCAL TAX JURISDICTIONS. FASB CODIFICATION TOPIC 740, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE MORE LIKELY THAN NOT TO BE SUSTAINED "WHEN CHALLENGED OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS NOT DEEMED TO MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEARS ENDED DECEMBER 31, 2024, AND 2023, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. THE CREDIT UNION RECOGNIZES INTEREST ACCRUED AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS AS NON-INTEREST EXPENSE. NO INTEREST OR PENALTIES WERE RECOGNIZED FOR THE YEARS ENDED DECEMBER 31, 2024, AND 2023. 1 ONPOINT COMMUNITY CREDIT UNION FOUNDATION 2701 NW VAUGHN STREET SUITE 800 PORTLAND OR 97210 934738169 501(C)(3) 10000000 0 COMMUNITY OUTREACH MICRO ENTERPRISE SERVICES OF OREGON 4008 NE MLK JR BLVD PORTLAND OR 97212 204379510 501(C)(3) 200250 0 COMMUNITY OUTREACH FINABILITY 5331 S MACADAM AVE PORTLAND OR 97239 853874734 501(C)(3) 130000 0 COMMUNITY OUTREACH AMERICAN ONLINE GIVING FOUNDATION INC 40 EAST MAIN STREET SUITE 887 NEWARK DE 19711 810739440 501(C)(3) 81705 0 COMMUNITY OUTREACH JUNIOR ACHIEVEMENT OF OREGON & 7830 SE FOSTER RD PORTLAND OR 97206 930384007 501(C)(3) 75400 0 COMMUNITY OUTREACH AGE 15900 SE 82ND DRIVE CLACKAMAS OR 97015 831758100 501(C)(3) 72333 0 COMMUNITY OUTREACH PORTLAND WORKFORCE ALLIANCE 7100 SE DIVISION ST PORTLAND OR 97206 272964874 501(C)(3) 68000 0 COMMUNITY OUTREACH HACIENDA COMMUNITY DEVELOPMENT CORP 6700 NE KILLINGSWORTH ST PORTLAND OR 97206 930979064 501(C)(3) 66000 0 COMMUNITY OUTREACH YOUTH VILLAGES 5331 S MACADAM AVE STE 287 PORTLAND OR 97239 581716970 501(C)(3) 59750 0 COMMUNITY OUTREACH TASTE FOR EQUITY 1631 NE BROADWAY ST 2055 PORTLAND OR 97232 933490948 501(C)(3) 52500 0 COMMUNITY OUTREACH AMERICAN HEART ASSOCIATION WESTERN STATES - ACCTS REC BOONE IA 50950 135613797 501(C)(3) 46000 0 COMMUNITY OUTREACH HABITAT FOR HUMANITY PO BOX 11527 PORTLAND OR 97211 930801200 501(C)(3) 46000 0 COMMUNITY OUTREACH CASCADE AIDS PROJECT 208 SW 5TH AVENUE SUITE 800 PORTLAND OR 97204 930903383 501(C)(3) 45300 0 COMMUNITY OUTREACH NEIGHBORHOOD PARTNERSHIPS 2501 SW 1ST AVE 120 PORTLAND OR 97201 911943624 501(C)(3) 45000 0 COMMUNITY OUTREACH IMMIGRANT AND REFUGEE COMMUNITY ORGANIZATION 10301 NE GLISAN ST PORTLAND OR 97220 930806295 501(C)(3) 36700 0 COMMUNITY OUTREACH SOLVE 1501 SW JEFFERSON ST PORTLAND OR 97201 930579286 501(C)(3) 35000 0 COMMUNITY OUTREACH SCHOOLHOUSE SUPPLIES 2735 NE 82ND AVENUE PORTLAND OR 97220 204223437 501(C)(3) 34900 0 COMMUNITY OUTREACH DREAM FOR LIFE OUTREACH 2711 NE ANDRESEN RD VANCOUVER WA 98661 911730955 501(C)(3) 30000 0 COMMUNITY OUTREACH FREE GEEK 1731 SE 10TH AVENUE PORTLAND OR 97214 931292010 501(C)(3) 30000 0 COMMUNITY OUTREACH BUILT OREGON INC 1355 NW EVERETT ST 204 PORTLAND OR 97209 813934437 501(C)(3) 30000 0 COMMUNITY OUTREACH BLACK UNITED FUND OF OREGON 2828 NE ALBERTA ST PORTLAND OR 97211 930843267 501(C)(3) 30000 0 COMMUNITY OUTREACH COALITION OF COMMUNITIES OF COLOR 503 NW 2ND AVE STE 303 PORTLAND OR 97209 474448490 501(C)(3) 28500 0 COMMUNITY OUTREACH PROUD GROUND 5288 N INTERSTATE AVE PORTLAND OR 97217 931290320 501(C)(3) 27500 0 COMMUNITY OUTREACH BOYS AND GIRLS CLUB PORTLAND METROPOLITAN AREA 8203 SE 7TH AVE STE 100 PORTLAND OR 97202 930474800 501(C)(3) 27496 0 COMMUNITY OUTREACH FRIENDS OF THE CHILDREN PORTLAND 44 NE MORRIS PORTLAND OR 97212 931300690 501(C)(3) 26671 0 COMMUNITY OUTREACH LATINO NETWORK 410 NE 18TH AVE PORTLAND OR 97232 823099013 501(C)(3) 26462 0 COMMUNITY OUTREACH FRIENDS OF TREES 3117 NE ML KING JR BLVD PORTLAND OR 97212 930999999 501(C)(3) 25000 0 COMMUNITY OUTREACH COMMUNITY WAREHOUSE 8380 SW NYBERG ST TUALATIN OR 97062 931310582 501(C)(3) 25000 0 COMMUNITY OUTREACH ASIAN PACIFIC AMERICAN NETWORK OF OREGON 2788 SE 82ND AVE APT 203B PORTLAND OR 97266 800252850 501(C)(3) 25000 0 COMMUNITY OUTREACH AROUND THE BEND FARMS INCORPORATED 1253 NW HARTFORD AVE UNIT 2 BEND OR 97703 475088022 501(C)(3) 25000 0 COMMUNITY OUTREACH CHILDREN'S MIRACLE NETWORK HOSPITALS 205 WEST 700 SOUTH SALT LAKE CITY UT 84101 870387205 501(C)(3) 25000 0 COMMUNITY OUTREACH ECOTRUST 721 NW 9TH AVE PORTLAND OR 97209 931050144 501(C)(3) 25000 0 COMMUNITY OUTREACH NATIVE AMERICAN YOUTH AND FAMILY CENTER 5135 NE COLUMBIA BLVD PORTLAND OR 97218 931141536 501(C)(3) 25000 0 COMMUNITY OUTREACH ROSE HAVEN 1740 NW GLISAN ST PORTLAND OR 97209 205922682 501(C)(3) 25000 0 COMMUNITY OUTREACH FRESH WATER TRUST 700 SW TAYLOR ST 200 PORTLAND OR 97205 930843521 501(C)(3) 25000 0 COMMUNITY OUTREACH THE GIVING PLATE 1212 NE 1ST STREET BEND OR 97701 800553186 501(C)(3) 25000 0 COMMUNITY OUTREACH THE NATURE CONSERVANCY 821 SE 14TH AVE PORTLAND OR 97214 530242652 501(C)(3) 25000 0 COMMUNITY OUTREACH OREGON FOOD BANK PO BOX 55370 PORTLAND OR 97238 930785786 501(C)(3) 25000 0 COMMUNITY OUTREACH MCKENZIE RIVER TRUST 725 W 1ST AVE B EUGENE OR 97402 931029808 501(C)(3) 25000 0 COMMUNITY OUTREACH OREGON MUSEUM OF SCIENCE AND INDUSTRY 1945 SE WATER AVENUE PORTLAND OR 97214 930402877 501(C)(3) 25000 0 COMMUNITY OUTREACH COLUMBIA SLOUGH WATERSHED COUNCIL 7040 NE 47TH AVE PORTLAND OR 97218 030456181 501(C)(3) 25000 0 COMMUNITY OUTREACH URBAN LEAGUE OF PORTLAND 10 NORTH RUSSELL STREET PORTLAND OR 97227 930395590 501(C)(3) 24000 0 COMMUNITY OUTREACH HISPANIC METROPOLITAN CHAMBER PO BOX 1837 PORTLAND OR 97207 931156358 501(C)(3) 23800 0 COMMUNITY OUTREACH RANDALL CHILDREN'S HOSPITAL FOUNDATION PO BOX 4500 UNIT 96 PORTLAND OR 97208 931314469 501(C)(3) 23000 0 COMMUNITY OUTREACH FACT OREGON 2475 SE LADD AVE SUITE 430 PORTLAND OR 97214 364533809 501(C)(3) 22500 0 COMMUNITY OUTREACH PINK LEMONADE PROJECT 1207 WASHINGTON VANCOUVER WA 98660 371699288 501(C)(3) 21870 0 COMMUNITY OUTREACH HOLLA 14513 SE STARK ST PORTLAND OR 97233 931311456 501(C)(3) 21500 0 COMMUNITY OUTREACH SEEDING JUSTICE PO BOX 12489 PORTLAND OR 97212 930691187 501(C)(3) 21095 0 COMMUNITY OUTREACH BIG BROTHER BIG SISTERS COLUMBIA NORTHWEST 6443 SW BEAVERTON-HILLSDALE HWY SUITE 200 PORTLAND OR 97221 931303640 501(C)(3) 21000 0 COMMUNITY OUTREACH OREGON PRIDE IN BUSINESS PO BOX 14744 PORTLAND OR 97293 923372371 501(C)(3) 21000 0 COMMUNITY OUTREACH MT HOOD KIWANIS CAMP 83500 KIWANIS CAMP RD RHODODENDRON OR 97049 930422242 501(C)(3) 20000 0 COMMUNITY OUTREACH CHILDREN'S CANCER ASSOCIATION 1200 NW NAITO PARKWAY STE 140 PORTLAND OR 97209 931181662 501(C)(3) 20000 0 COMMUNITY OUTREACH GIRLS INC OF THE PACIFIC NORTHWEST 4800 SW MACADAM AVE STE 309 PORTLAND OR 97239 542073930 501(C)(3) 20000 0 COMMUNITY OUTREACH GREATER VANCOUVER CHAMBER 1111 MAIN ST STE 201 VANCOUVER WA 98660 883497204 501(C)(6) 20000 0 COMMUNITY OUTREACH IN4ALL 4535 SW 96TH AVE BEAVERTON OR 97005 930900111 501(C)(3) 20000 0 COMMUNITY OUTREACH THE DOUGY CENTER PO BOX 86852 PORTLAND OR 97286 930833241 501(C)(3) 20000 0 COMMUNITY OUTREACH UNITE OREGON 1390 SE 122ND AVE PORTLAND OR 97233 743098100 501(C)(3) 20000 0 COMMUNITY OUTREACH THE PEOPLE'S NONPROFIT ACCELERATOR 2203 LLOYD CENTER PORTLAND OR 97232 931190310 501(C)(3) 20000 0 COMMUNITY OUTREACH FOSTERFUL 101 EAST 8TH ST STE 270 VANCOUVER WA 98660 320476680 501(C)(3) 18990 0 COMMUNITY OUTREACH GOWEST CREDIT UNION ASSOCIATION 18000 INTERNATIONAL BLVD STE 1102 SEATAC WA 98188 911649328 501(C)(6) 18500 0 COMMUNITY OUTREACH KAIROSPDX 4915 N GANTENBEIN AVE PORLTAND OR 97217 460987167 501(C)(3) 17500 0 COMMUNITY OUTREACH PORTLAND YOUTH BUILDERS 4816 SE 92ND AVE PORTLAND OR 97266 943123483 501(C)(3) 17500 0 COMMUNITY OUTREACH FOUNDATION FOR VANCOUVER PUBLIC SCHOOLS PO BOX 6039 VANCOUVER WA 98668 910971800 501(C)(3) 17500 0 COMMUNITY OUTREACH BOYS & GIRLS CLUB OF BEND 500 NW WALL ST BEND OR 97703 931127536 501(C)(3) 15150 0 COMMUNITY OUTREACH YWCA CLARK COUNTY 3609 MAIN STREET VANCOUVER WA 98663 910569882 501(C)(3) 15000 0 COMMUNITY OUTREACH WONDERFOLK 5131 NE 35TH PL PORTLAND OR 97211 454012981 501(C)(3) 15000 0 COMMUNITY OUTREACH ADELANTE MUJERES 2030 MAIN STREET STE A FOREST GROVE OR 97116 030473181 501(C)(3) 15000 0 COMMUNITY OUTREACH AMERICAN RED CROSS 431 18TH ST NW WASHINGTON DC 20006 591748379 501(C)(3) 15000 0 COMMUNITY OUTREACH BOYS & GIRLS CLUBS OF SW WASHINGTON 5109 NE 82ND AVENUE SUITE 205 VANCOUVER WA 98662 911978646 501(C)(3) 15000 0 COMMUNITY OUTREACH CLARK COUNTY FOOD BANK 6502 NE 47TH AVE VANCOUVER WA 98661 911307564 501(C)(3) 15000 0 COMMUNITY OUTREACH DE LA SALLE NORTH CATHOLIC HIGH SCHOOL 7528 N FENWICK AVENUE PORTLAND OR 97217 931287554 501(C)(3) 15000 0 COMMUNITY OUTREACH ELEVATE OREGON 4916 NE 122ND AVE PORTLAND OR 97230 272151955 501(C)(3) 15000 0 COMMUNITY OUTREACH GIRLS BUILD 3625 N MISSISSIPPI AVE PORTLAND OR 97227 811411091 501(C)(3) 15000 0 COMMUNITY OUTREACH NEW AVENUES FOR YOUTH 1220 SW COLUMBIA STREET PORTLAND OR 97201 930910213 501(C)(3) 15000 0 COMMUNITY OUTREACH OREGON ENVIRONMENTAL COUNCIL PO BOX 14822 PORTLAND OR 97293 930578714 501(C)(3) 15000 0 COMMUNITY OUTREACH PEARL BUCK CENTER 3690 W 1ST AVE EUGENE OR 97402 930584827 501(C)(3) 15000 0 COMMUNITY OUTREACH SERENDIPITY CENTER PO BOX 33350 PORTLAND OR 97292 930730861 501(C)(3) 15000 0 COMMUNITY OUTREACH SHELTERCARE 499 WEST 4TH AVE EUGENE OR 97401 237115003 501(C)(3) 15000 0 COMMUNITY OUTREACH TRANSFORMATIVE JUSTICE COMMUNITY 2355 STATE STREET SUITE 101 SALEM OR 97301 922369548 501(C)(3) 15000 0 COMMUNITY OUTREACH TRANSITION PROJECTS 665 NW HOYT STREET PORTLAND OR 97209 930591582 501(C)(3) 15000 0 COMMUNITY OUTREACH UNITED WAY OF LANE COUNTY 3171 GATEWAY LOOP SPRINGFIELD OR 97477 930394142 501(C)(3) 15000 0 COMMUNITY OUTREACH MEALS ON WHEELS PEOPLE 7710 SW 31ST AVE PORTLAND OR 97219 930584318 501(C)(3) 15000 0 COMMUNITY OUTREACH UNITED WAY OF THE COLUMBIA-WILLAMETTE PO BOX 4406 PORTLAND OR 97208 930582124 501(C)(3) 15000 0 COMMUNITY OUTREACH BLOOMIN BOUTIQUE 19376 MOLALLA AVE STE 160 OREGON CITY OR 97045 832157929 501(C)(3) 12975 0 COMMUNITY OUTREACH BENDNEXT 1567 SW CHANDLER AVE SUITE 204 BEND OR 97703 931224982 501(C)(3) 12500 0 COMMUNITY OUTREACH COUNCIL FOR THE HOMELESS 2306 NE ANDRESEN RD VANCOUVER WA 98661 912001828 501(C)(3) 12500 0 COMMUNITY OUTREACH IMPACT NW PO BOX 33530 PORTLAND OR 97292 930557964 501(C)(3) 12500 0 COMMUNITY OUTREACH PORTLAND COMMUNITY FOOTBALL CLUB 1631 NE BROADWAY ST 712 PORTLAND OR 97232 462073904 501(C)(3) 12500 0 COMMUNITY OUTREACH THE LATINO COMMUNITY ASSOCIATION 2680 NE TWIN KNOLLS DRIVE SUITE 110 BEND OR 97701 931260288 501(C)(3) 12500 0 COMMUNITY OUTREACH THE SCHOOL FOUNDATION PO BOX 1436 BEND OR 97709 931064935 501(C)(3) 12500 0 COMMUNITY OUTREACH WARM SPRINGS COMMUNITY ACTION TEAM PO BOX 1419 WARM SPRINGS OR 97761 161633303 501(C)(3) 12500 0 COMMUNITY OUTREACH COLUMBIA RIVER MENTAL HEALTH SERVICES 4601 NE 77TH AVE VANCOUVER WA 98662 910609138 501(C)(3) 11500 0 COMMUNITY OUTREACH FOOD FOR LANE COUNTY 770 BAILEY HILL RD EUGENE OR 97402 930888347 501(C)(3) 11500 0 COMMUNITY OUTREACH PARKS FOUNDATION OF CLARK COUNTY PO BOX 61424 VANCOUVER WA 98666 911986747 501(C)(3) 11250 0 COMMUNITY OUTREACH OREGON HEALTH AND SCIENCE UNIVERSITY FOUNDATION 2020 SW 4TH AVENUE SUITE 900 PORTLAND OR 97201 237083114 501(C)(3) 11200 0 COMMUNITY OUTREACH NORTH POLE STUDIO 2516 NW 29TH AVE STE 8 PORTLAND OR 97210 852096031 501(C)(3) 10600 0 COMMUNITY OUTREACH PORTLAND PUBLIC SCHOOLS 501 N DIXON STREET PORTLAND OR 97227 842040549 501(C)(3) 10500 0 COMMUNITY OUTREACH LEGACY GOOD SAMARITAN FOUNDATION PO BOX 4500 UNIT 96 PORTLAND OR 97208 237017276 501(C)(3) 10000 0 COMMUNITY OUTREACH CASCADE PACIFIC RESOURCE CONSERVATION PO BOX 905 CORVALLIS OR 97339 930722979 501(C)(3) 10000 0 COMMUNITY OUTREACH ALBERTA ABBEY FOUNDATION 126 NE ALBERTA ST STE 108 PORTLAND OR 97211 473125530 501(C)(3) 10000 0 COMMUNITY OUTREACH J BAR J YOUTH SERVICES INC 2125 NE DAGGETT LANE BEND OR 97701 930677650 501(C)(3) 10000 0 COMMUNITY OUTREACH CAMP ELSO INCORPORATED C/O BLACK UNITED FUND OF OREGON PORTLAND OR 97211 831208258 501(C)(3) 10000 0 COMMUNITY OUTREACH BETTER PORTLAND 401 NORTHEAST 19TH AVENUE SUITE 200 PORTLAND OR 97232 814241889 501(C)(3) 10000 0 COMMUNITY OUTREACH BIRCH COMMUNITY SERVICES 17780 NE SAN RAFAEL ST PORTLAND OR 97230 931186020 501(C)(3) 10000 0 COMMUNITY OUTREACH BLACK CULTURAL INITIATIVE PO BOX 50643 EUGENE OR 97405 921265289 501(C)(3) 10000 0 COMMUNITY OUTREACH BOYS AND GIRLS CLUB OF ALBANY 1215 HILL ST SE ALBANY OR 97322 930549842 501(C)(3) 10000 0 COMMUNITY OUTREACH CADA CASA INTERNATIONAL PO BOX 11678 PORTLAND OR 97211 823675353 501(C)(3) 10000 0 COMMUNITY OUTREACH FORT VANCOUVER REGIONAL LIBRARY FOUNDATION PO BOX 2384 VANCOUVER WA 98668 911456753 501(C)(3) 10000 0 COMMUNITY OUTREACH CASA FOR CHILDREN OF MULTNOMAH 1401 NE 68TH AVENUE PORTLAND OR 97213 930923866 501(C)(3) 10000 0 COMMUNITY OUTREACH ALBERTINA KERR CENTERS FOUNDATION 424 NE 22ND AVE PORTLAND OR 97232 931297104 501(C)(3) 10000 0 COMMUNITY OUTREACH CENTRAL OREGON GUARDIAN ASSISTANCE PROGRAM 225 SW SCALEHOUSE LP STE 103 BEND OR 97703 365051085 501(C)(3) 10000 0 COMMUNITY OUTREACH COMMUNITY HELPING ADDICTS NEGOTIATE CHANGE EFFECTIVELY ALBANY OR 97321 203295927 501(C)(3) 10000 0 COMMUNITY OUTREACH DEVNW PO BOX 790 CORVALLIS OR 97339 931057296 501(C)(3) 10000 0 COMMUNITY OUTREACH M PERFECTLY 17330 SERENITY WAY BEND OR 97703 844958658 501(C)(3) 10000 0 COMMUNITY OUTREACH FRIENDS OF THE COLUMBIA GORGE 123 NE 3RD AVE SUITE 108 PORTLAND OR 97232 930782467 501(C)(3) 10000 0 COMMUNITY OUTREACH FURNISH HOPE 320 SW CENTURY DRIVE SUITE 405-125 BEND OR 97702 843946242 501(C)(3) 10000 0 COMMUNITY OUTREACH COLLEGE POSSIBLE 532 SE GRAND AVE PORTLAND OR 97214 411968798 501(C)(3) 10000 0 COMMUNITY 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NO FORMAL MONITORING OF GRANTS OR DONATIONS IS PERFORMED, BUT ONPOINT PERIODICALLY PERFORMS INFORMAL FOLLOW-UPS WITH RECIPIENTS. THE ANNUAL CLIFFORD C. DIAS LEADERSHIP SCHOLARSHIP PROGRAM WAS APPROVED BY THE BOARD, ALLOWING MR. DIAS TO SELECT RECIPIENTS AT HIS DISCRETION. X X X X 1 1 X X X X 0 1 0 R STUART PRESIDENT/CEO 951600 0 806337 0 521736 0 263250 0 17409 0 2560332 0 384922 0 J HUNT SVP/CHIEF FINANCIAL OFFICER 488000 0 362706 0 238408 0 151963 0 15371 0 1256448 0 188968 0 T MCVAY SVP/CHIEF RETAIL OFFICER 453000 0 340485 0 232366 0 144582 0 22010 0 1192443 0 177253 0 S LEUGERS SVP/CHIEF LENDING OFFICER 365000 0 276978 0 328725 0 122758 0 22930 0 1116391 0 271014 0 J ARMSTRONG SVP/CHIEF OPERATIONS OFFICER 418000 0 312468 0 199038 0 134953 0 17409 0 1081868 0 161620 0 T CLEVENGER SVP/CHIEF MARKETING OFFICER 365000 0 276978 0 39261 0 122758 0 17409 0 821406 0 0 0 W OLIVER SVP/CHIEF LEGAL OFFICER 360000 0 274773 0 17406 0 122000 0 10550 0 784729 0 0 0 C ANDERSON SVP/CHIEF RISK OFFICER 352234 0 260951 0 34883 0 117250 0 10550 0 775868 0 0 0 P GROMAN SVP/CHIEF PEOPLE OFFICER 340000 0 249311 0 33224 0 113250 0 21783 0 757568 0 0 0 A EMERSON VP/ONPOINT MORTGAGE 442017 0 55608 0 4503 0 110273 0 19611 0 632012 0 0 0 B HARDING SVP/CHIEF COMMERCIAL OFFICER 355000 0 78672 0 12005 0 110187 0 22930 0 578794 0 0 0 M LINDAY-LIPKINS VP/ONPOINT INVESTMENT SERVICES 358823 0 74810 0 1789 0 34500 0 10550 0 480472 0 0 0 D BARTOSZ FINANCIAL ADVISOR 392435 0 20176 0 1220 0 34500 0 22930 0 471261 0 0 0 M CASIANO MORTGAGE LOAN OFFICER 412494 0 2444 0 968 0 34500 0 15371 0 465777 0 0 0 N BERNING FINANCIAL ADVISOR 396248 0 12703 0 1010 0 34500 0 10550 0 455011 0 0 0 D LAVIOLETTE SVP/CHIEF INFORMATION OFFICER 250182 0 82591 0 11805 0 34294 0 0 0 378872 0 0 0 PART I, LINE 1A * FIRST-CLASS TRAVEL - PRESIDENT/CEO & ALL DIRECTORS (10 PEOPLE); NOT TAXABLE TO INDIVIDUALS AS SUCH TRAVEL IS REASONABLE AND CUSTOMARY WITHIN THE INDUSTRY FOR HIGH-LEVEL EXECUTIVES. THE BOARD HAS APPROVED SUCH TRAVEL IN LIMITED CIRCUMSTANCES AND SUBSTANTIATION OF ALL EXPENSES IS REQUIRED. * TRAVEL FOR COMPANIONS - ALL DIRECTORS (8 PEOPLE); TAXABLE TO INDIVIDUALS * HEALTH OR SOCIAL CLUB DUES - PRESIDENT/CEO; TAXABLE TO INDIVIDUALS * PERSONAL SERVICES - PRESIDENT/CEO AND SENIOR EXECUTIVES (10 PEOPLE); TAXABLE TO INDIVIDUALS PART I, LINE 4B THE FOLLOWING INDIVIDUALS RECEIVED PAYMENTS FROM A 457(F) PLAN, AMOUNTS THAT WERE REPORTED AS DEFERRED ON THE PRIOR YEAR FORMS 990 ARE INCLUDED IN PART II, COLUMN (F). R. STUART - $429,546 J. HUNT - $209,425 S. LEUGERS - $306,723 T. MCVAY - $196,439 J. ARMSTRONG - $178,726 FORM 990, PART VI, SECTION A, LINE 6 ONPOINT COMMUNITY CREDIT UNION IS A NATURAL PERSON CREDIT UNION, OWNED BY ITS MEMBERS. AT 12/31/24, THERE WERE 594,521 MEMBERS IN THE CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 7A THE MEMBERS OF THE CREDIT UNION ELECT THE BOARD OF DIRECTORS FROM A SLATE OF CANDIDATES PUT FORTH BY THE NOMINATING COMMITTEE PRIOR TO THE ANNUAL MEETING. BOARD POSITIONS HAVE STAGGERED RENEWAL DATES IN THREE YEAR TERMS. FORM 990, PART VI, SECTION A, LINE 7B MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR. FORM 990, PART VI, SECTION B, LINE 11B INFORMATION FOR THE COMPLETION OF FORM 990 WAS GATHERED BY THE CREDIT UNION'S ACCOUNTING DEPARTMENT. AN OUTSIDE ACCOUNTING FIRM PREPARED THE TAX RETURN AND IT WAS PROVIDED TO THE BOARD OF DIRECTORS PRIOR TO FILING. FORM 990, PART VI, SECTION B, LINE 12C MONITORING OF THE CONFLICT OF INTEREST POLICY IS CONDUCTED THROUGH AN ANNUAL POLICY REVIEW. STAFF MEMBERS ARE REQUIRED EACH YEAR TO REVIEW, READ AND SIGN THE CONFLICT OF INTEREST POLICY. THE BOARD OF DIRECTORS ANNUALLY ADOPTS THE BOARD GOVERNANCE MANUAL, WHICH INCLUDES A CONFLICT OF INTEREST POLICY. AT THE POINT OF A POTENTIAL CONFLICT FOR A BOARD MEMBER, A PEER REVIEW IS CONDUCTED. ENFORCEMENT OF THE CONFLICT OF INTEREST POLICY FOR BOARD MEMBERS AND STAFF IS BASED ON A REVIEW OF POTENTIAL CONFLICTS AND, IF A CONFLICT EXISTS, MEDIATION OCCURS. FORM 990, PART VI, SECTION B, LINE 15A THE BOARD OF DIRECTORS CONTROLS ALL COMPENSATION OR BENEFIT CHANGES THAT WOULD AFFECT THE PRESIDENT/CEO. ALL CHANGES TO THE PRESIDENT/CEO'S COMPENSATION AND BENEFITS ARE GOVERNED BY AN EMPLOYMENT CONTRACT AND ANY AMENDMENTS TO THE CONTRACT. THE COMPENSATION COMMITTEE REVIEWS THE PRESIDENT/CEO'S COMPENSATION PACKAGE EACH YEAR. THE SALARY SCHEDULE AND BENEFITS PROGRAM FOR THE PRESIDENT/CEO IS TIED TO GEOGRAPHIC STUDIES OF SALARIES AND BENEFITS PERFORMED BY PROFESSIONAL ORGANIZATIONS WITH EXPERTISE IN THE AREA OF COMPENSATION. THESE INCLUDED THE PEARL MEYER 2024 TOP CEO TOTAL COMPENSATION SURVEY REPORT AND A 2024 CEO COMPENSATION STUDY PROVIDED BY WILLIS-TOWERS WATSON. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE MADE AVAILABLE UPON WRITTEN REQUEST. ONPOINT SERVICE GROUP LLC 2701 NW VAUGHN ST STE 800 PORTLAND OR 97210 INACTIVE OR 0 0 ONPOINT COMMUNITY CREDIT UNION