FIRST COMMUNITY CREDIT UNION: Form 990, tax year 2022

View the entire original 990 at ProPublica ↗

Organization: FIRST COMMUNITY CREDIT UNION (EIN 93-0468003)
Tax period: 2022-01-01 to 2022-12-31
Filed: 2023-10-03
IRS object ID: 202342769349301254
Schema version: 2022v5.0
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	2023-10-03T12:31:56-05:00	ReturnTs
Tax Period End	2022-12-31	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	2022-01-01	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	2023-10-02	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	2023-10-02	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	2022	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	$58,042,476	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	402	TotalEmployeeCnt
Total Volunteers	18	TotalVolunteersCnt
Total Gross UBI	$1,644,414	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$44,988,739	PYProgramServiceRevenueAmt
CY Program Service Revenue	$45,818,754	CYProgramServiceRevenueAmt
PY Investment Income	$4,044,732	PYInvestmentIncomeAmt
CY Investment Income	$10,082,911	CYInvestmentIncomeAmt
PY Other Revenue	$1,639,749	PYOtherRevenueAmt
CY Other Revenue	$1,644,414	CYOtherRevenueAmt
PY Total Revenue	$50,673,220	PYTotalRevenueAmt
CY Total Revenue	$57,546,079	CYTotalRevenueAmt
PY Grants And Similar Paid	$12,810	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$410,886	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$25,779,118	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$25,550,737	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$14,475,995	PYOtherExpensesAmt
CY Other Expenses	$14,071,980	CYOtherExpensesAmt
PY Total Expenses	$40,267,923	PYTotalExpensesAmt
CY Total Expenses	$40,033,603	CYTotalExpensesAmt
PY Revenues Less Expenses	$10,405,297	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$17,512,476	CYRevenuesLessExpensesAmt
Total Assets BOY	$1,761,836,849	TotalAssetsBOYAmt
Total Assets EOY	$1,796,419,066	TotalAssetsEOYAmt
Total Liabilities BOY	$1,608,749,854	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$1,629,402,121	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$153,086,995	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$167,016,945	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	0	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	1104	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	402	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
SHAUN HOBACK
BOARD MEMBER (CHAIRPERSON)	12.00	Yes (X)	Yes (X)	$25,000	$0	$0
ROBIN MCALPIN
BOARD MEMBER (VICE-CHAIRPERSON)	10.00	Yes (X)	Yes (X)	$18,000	$0	$0
LINDA FURMAN GRILE
BOARD MEMBER (SECRETARY)	10.00	Yes (X)	Yes (X)	$18,000	$0	$0
BRIAN MENEFEE
BOARD MEMBER (TREASURER)	10.00	Yes (X)	Yes (X)	$18,000	$0	$0
STEVE MOHRLAND
BOARD MEMBER (FORMER CHAIR)	10.00	Yes (X)	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	10.00	Yes (X)		$18,000	$0	$0
GERALD PRICKETT
BOARD MEMBER	10.00	Yes (X)		$18,000	$0	$0
HALL THOMAS
BOARD MEMBER	12.00	Yes (X)		$20,000	$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
DAVID ELMER
PRESIDENT/CEO/TREASURER	40.00		Yes (X)	$709,851	$0	$36,361
RENEE NELSON
EXECUTIVE VICE PRESIDENT/CFO	40.00		Yes (X)	$800,523	$0	$36,361
DENISE HILL
EXECUTIVE VICE PRESIDENT/COO	40.00		Yes (X)	$591,126	$0	$19,017
TED RUBIN
VP OF INVESTMENT SERVICES	40.00			$229,257	$0	$36,361	Yes (X)
KEVIN ISLEY
SVP EBANKING & DEVELOPMENT	40.00			$223,176	$0	$36,361	Yes (X)
ERIN SPENCER
SVP COMMUNICATIONS & ENGAGEMENT	40.00			$212,348	$0	$27,815	Yes (X)
MINDY REEVES
SVP CREDIT ADMINISTRATION	40.00			$217,719	$0	$36,361	Yes (X)
MIKE LEEP
SVP FINANCE	40.00			$230,218	$0	$35,320	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$3,439,218	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$263,957	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	29	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	$7,025,367
DIEBOLD
PO BOX 643543	PITTSBURGH	PA	15264	ATM SUPPORT	$823,254
JACK HENRY & ASSOCIATES INC
PO BOX 609	MONETT	MO	65708	DATA SERVICES	$403,399
KILMER VOORHEES & LAURICK PC
2701 NW VAUGHN ST	PORTLAND	OR	97210	LEGAL SERVICES	$387,382
APPRAISAL VALET INC
10260 SW GREENBURG RD 400	PORTLAND	OR	97223	APPRAISAL SERVICES	$231,275

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	17	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
INTEREST ON LOANS	522100	$30,756,633	$30,756,633
OTHER OPERATING INCOME	522100	$15,062,121	$15,062,121

Field	Value	IRS element (for citing)
Total Program Service Revenue	$45,818,754	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$9,802,449	TotalRevenueColumnAmt
Exclusion	$9,802,449	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$776,859	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$496,397	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	$280,462	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$280,462	TotalRevenueColumnAmt
Exclusion	$280,462	ExclusionAmt

Other Revenue Misc OtherRevenueMiscGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INSURANCE SALES	524298	$1,154,451	$1,154,451
INVESTMENT SERVICES	523940	$354,267	$354,267
NON-MEMBER ATM INCOME	522100	$135,696	$135,696

Field	Value	IRS element (for citing)
Other Revenue Total	$1,644,414	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$57,546,079	TotalRevenueColumnAmt
Related Or Exempt Func Income	$45,818,754	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$1,644,414	UnrelatedBusinessRevenueAmt
Exclusion	$10,082,911	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$347,886	TotalAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$63,000	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$2,418,239	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$17,945,703	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$484,365	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,819,904	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$2,882,526	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$22,982	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$67,000	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$103,898	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$219,073	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$6,320,060	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$1,845,413	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$2,085,316	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$96,387	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$213,101	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$568,206	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$2,057,138	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$250,349	TotalAmt

Other Expenses OtherExpensesGrp (3 entries)

DescDesc	TotalTotalAmt
ASSOCIATION DUES	$146,047
REGULATORY FEES	$117,350
PROVISIONS FOR LOSSES	-$40,340

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$40,033,603	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$9,948,889	BOYAmt
EOY	$10,995,670	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$435,664,694	BOYAmt
EOY	$252,967,434	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$509,930	BOYAmt
EOY	$2,449,907	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$867,623,225	BOYAmt
EOY	$963,051,286	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$1,510,940	BOYAmt
EOY	$1,516,934	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$82,145,819	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$15,435,565	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$59,204,800	BOYAmt
EOY	$66,710,254	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$344,658,408	BOYAmt
EOY	$458,388,052	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$1,173,762	BOYAmt
EOY	-$2,104,763	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$15,451,848	BOYAmt
EOY	$15,333,948	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$26,090,353	BOYAmt
EOY	$27,110,344	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$1,761,836,849	BOYAmt
EOY	$1,796,419,066	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$5,638,726	BOYAmt
EOY	$5,397,234	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,603,111,128	BOYAmt
EOY	$1,624,004,887	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,608,749,854	BOYAmt
EOY	$1,629,402,121	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	$153,086,995	BOYAmt
EOY	$167,016,945	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$153,086,995	BOYAmt
EOY	$167,016,945	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$1,761,836,849	BOYAmt
EOY	$1,796,419,066	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$17,512,476	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$3,582,526	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

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$8,194,722	OtherCostOrOtherBasisAmt
Book Value	$8,194,722	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$60,854,927	OtherCostOrOtherBasisAmt
Depreciation	$5,766,740	DepreciationAmt
Book Value	$55,088,187	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$9,595,827	OtherCostOrOtherBasisAmt
Depreciation	$6,346,059	DepreciationAmt
Book Value	$3,249,768	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,500,343	OtherCostOrOtherBasisAmt
Depreciation	$3,322,766	DepreciationAmt
Book Value	$177,577	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$66,710,254	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARES	Desc
Amt	$1,624,004,887	Amt

Field	Value	IRS element (for citing)
Total Liability	$1,624,004,887	TotalLiabilityAmt

Schedule I IRS990ScheduleI

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

Recipient Table RecipientTable (14 entries)

Recipient EINRecipientEIN	IRC SectionIRCSectionDesc	Cash GrantCashGrantAmt	Non Cash AssistanceNonCashAssistanceAmt	Purpose Of GrantPurposeOfGrantTxt
COOS COUNTY FAIR & RODEO
936002289	GOVT	$6,500	$0	COMMUNITY SUPPORT
COOS YOUTH AUCTION COMMITTEE
930915867	501(C)(3)	$12,786	$0	COMMUNITY SUPPORT
ROSEBURG ROTARY FOUNDATION
931032986	501(C)(3)	$15,139	$0	COMMUNITY SUPPORT
LUTHERAN COMMUNITY SERVICES NORTHWEST
930386860	501(C)(3)	$20,000	$0	COMMUNITY SUPPORT
CITY OF FAIRVIEW
936002161	GOVT	$10,000	$0	COMMUNITY SUPPORT
UMATILLA COUNTY FAIR
936001993	GOVT	$19,995	$0	COMMUNITY SUPPORT
HEARTS WITH A MISSION
208678122	501(C)(3)	$10,000	$0	COMMUNITY SUPPORT
BOYS & GIRLS CLUB
930588108	501(C)(3)	$16,667	$0	COMMUNITY SUPPORT
GRANTS PASS ACTIVE CLUB
930883280		$15,506	$0	COMMUNITY SUPPORT
KLAMATH COUNTY 4H
936031803	501(C)(3)	$20,962	$0	COMMUNITY SUPPORT
DESCHUTES COUNTY FAIR ASSOCIATION
936002353	501(C)(3)	$10,002	$0	COMMUNITY SUPPORT
HCYLUA BUYERS
870166300		$11,255	$0	COMMUNITY SUPPORT
LAKE COUNTY ROUNDUP
936002302	501(C)(3)	$10,000	$0	COMMUNITY SUPPORT
LAKE COUNTY 4H & FFA MARKET SALE COMMITTEE
452550090	501(C)(3)	$9,257	$0	COMMUNITY SUPPORT

Field	Value	IRS element (for citing)
Total501c3 Org	12	Total501c3OrgCnt
Total Other Org	2	TotalOtherOrgCnt

Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp

Field	Value	IRS element (for citing)
Grant Type	SCHOLARSHIPS	GrantTypeTxt
Recipient	21	RecipientCnt
Cash Grant	$63,000	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	$500,770	$0	$277,500	$0	$22,253	$0	$10,250	$0	$26,111	$0	$836,884	$0	$0	$0
DAVID ELMER
PRESIDENT/CEO/TREASURER	$685,098	$0	$2,500	$0	$22,253	$0	$10,250	$0	$26,111	$0	$746,212	$0	$0	$0
DENISE HILL
EXECUTIVE VICE PRESIDENT/COO	$291,373	$0	$277,500	$0	$22,253	$0	$10,250	$0	$8,767	$0	$610,143	$0	$0	$0
TED RUBIN
VP OF INVESTMENT SERVICES	$228,857	$0	$400	$0	$0	$0	$10,250	$0	$26,111	$0	$265,618	$0	$0	$0
MIKE LEEP
SVP FINANCE	$228,168	$0	$2,050	$0	$0	$0	$9,209	$0	$26,111	$0	$265,538	$0	$0	$0
KEVIN ISLEY
SVP EBANKING & DEVELOPMENT	$221,101	$0	$2,075	$0	$0	$0	$10,250	$0	$26,111	$0	$259,537	$0	$0	$0
MINDY REEVES
SVP CREDIT ADMINISTRATION	$215,144	$0	$2,575	$0	$0	$0	$10,250	$0	$26,111	$0	$254,080	$0	$0	$0
ERIN SPENCER
SVP COMMUNICATIONS & ENGAGEMENT	$210,298	$0	$2,050	$0	$0	$0	$10,250	$0	$17,565	$0	$240,163	$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	$889,962	TotalIncomeAmt
End Of Year Assets	$64,662	EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

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