2023-11-13T16:32:20-06:00 2022-12-31 910189318 MOSS ADAMS LLP 805 SW BROADWAY STE 1400 PORTLAND OR 97205 990 2022-01-01 930243503 UNITUS COMMUNITY CREDIT UNION UNIT 5034238839 PO BOX 1937 PORTLAND OR 972071937 MICHAEL NAMBA SVP- CHIEF FINANCIAL OFFICER 5034238839 2023-11-13 1 MICHAEL NAMBA XXX-XX-XXXX 1 WENDY CAMPOS P00448102 5032421447 2023-11-02 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z STEVEN STAPP PO BOX 1937 PORTLAND OR 972071937 71238221 0 X WWW.UNITUSCCU.COM X 1937 OR CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSE. 7 7 374 18 503340 188748 0 0 61529677 66098500 3260321 4066509 76165 670890 64866163 70835899 711420 847997 0 0 27482930 31738256 0 0 0 23916937 30072100 52111287 62658353 12754876 8177546 1726756998 1727213456 1569071078 1576500715 157685920 150712741 TOGETHER WE INSPIRE HOPE BY NAVIGATING THROUGH LIFE'S DEFINING MOMENTS. 0 0 PROVIDE FINANCIAL SERVICES TO 106,775 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 1 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 29915 381 1 374 1 1 1 0 0 0 0 0 1 0 X 7 7 0 0 0 0 1 1 0 1 1 0 0 1 1 1 1 1 1 1 1 1 1 X MICHAEL NAMBA 5034238839 1300 SW 6TH AVENUE PORTLAND OR 97201 SOMNATH BANERJEE BOARD CHAIR 3.00 X X 24250 0 0 MATTHEW MICETIC BOARD VICE CHAIR 3.00 X X 15750 0 0 RHONDA CRAMER BOARD SECRETARY 3.00 X X 15750 0 0 FRANK CHINN DIRECTOR 3.00 X 15750 0 0 NICOLE DAVISON LEON DIRECTOR 3.00 X 8719 0 0 TIFFINI MUELLER DIRECTOR 3.00 X 15750 0 0 MARY NOLAN DIRECTOR 3.00 X 7031 0 0 STEVEN STAPP PRESIDENT - CHIEF EXECUTIVE OFFICER 40.00 X 1235542 0 234579 DAVID FEHRER EVP - CHIEF STRATEGY AND INNOVATION OFFICER 40.00 X 412315 0 68322 BRIAN DEVEREUX SVP - CHIEF LENDING OFFICER 40.00 X 372070 0 48752 GAYLE EVANS SVP - CHIEF HUMAN RESOURCES OFFICER 40.00 X 301764 0 64083 MICHAEL NAMBA SVP - CHIEF FINANCIAL OFFICER 40.00 X 288501 0 33824 CORLINDA WOODEN SVP - CHIEF RETAIL OFFICER 40.00 X 259036 0 54550 GREG SPEAR THROUGH 21122 CHIEF FINANCIAL OFFICER 40.00 X 259038 0 10851 JAMES ALEXANDER SVP - CHIEF RISK OFFICER 40.00 X 259039 0 53825 TIMOTHY BELL THROUGH 112322 CHIEF EXPERIENCE OFFICER 40.00 X 259040 0 22549 KEVIN SMITH VP - INFORMATION TECHNOLOGY 40.00 X 214522 0 34721 RICHARD HIGH AVP - CREDIT ADMINISTRATION 40.00 X 204512 0 23408 WAYNE MATSUMURA AVP - BUSINESS LENDING 40.00 X 181942 0 27501 MICHELLE HOLLENBECK MGR - REGIONAL MORTGAGE SALES 40.00 X 182520 0 41832 JESSICA BROWN VP - PEOPLE AND CULTURE 40.00 X 186884 0 14566 JOHN BACHMAN MGR - INFORMATION TECHNOLOGY 40.00 X 177300 0 23798 RONDA WAGNER AVP - CONSUMER LENDING 40.00 X 174784 0 24638 LAWRENCE CAVASSO AVP - CONTROLLER 40.00 X 164685 0 40399 KEVIN MOON MORTGAGE RELATIONSHIP OFFICER 40.00 X 162318 0 40230 MEGAN SNYDER AVP - STRATEGIC PARTNERSHIPS 40.00 X 162127 0 39375 AMY OLSON AVP - RESIDENTIAL MORTGAGE LENDING 40.00 X 158531 0 39883 LORI FINK AVP - MARKETING & BRAND DEVELOPMENT 40.00 X 156393 0 31148 AARON BLEDY DIRECTOR - COMMERCIAL SERVICES 40.00 X 154972 0 33180 ROSE HALFORD AVP - TRAINING & STRATEGY 40.00 X 158331 0 22169 KENNETH RIEDEL AVP - REGIONAL MANAGER 40.00 X 153000 0 22500 KATHRINE POPOVICH DIRECTOR - PROJECT MANAGEMENT 40.00 X 152224 0 21714 ALICIA MOORE THROUGH 121622 DIRECTOR - WORKPLACE DIVERSITY 40.00 X 146486 0 19620 GRETCHEN GARDNER DIRECTOR ORGANIZATIONAL DEVELOPMENT 40.00 X 147276 0 21407 ALEXANDRE LABARRE SR. CREDIT RISK ANALYST 40.00 X 134284 0 37494 CHARLES HOPKINS SR. COMMERCIAL LOAN OFFICER 40.00 X 142805 0 31511 TERIE EBERT AVP - FACILITIES AND REAL ESTATE 40.00 X 140560 0 11147 7205801 0 1193576 78 0 1 0 ALKAMI TECHNOLOGY INC 5601 GRANITE PARKWAY SUITE 120 PLANO TX 75024 CLOUD-BASED DIGITAL BANKING SOLUTIONS 1754956 EDGE MULTIMEDIA INC 15640 NE FOURTH PLAIN BLVD SUITE 1 VANCOUVER WA 98682 MARKETING SERVICES 1346567 MEMBER ACCESS PACIFIC 20829 72ND AVE S SUITE 600 KENT WA 98032 CARD SERVICES MANAGEMENT 1156558 THE ELEMENT GROUP INC 155 BREWERY LANE SUITE 1 PORTSMOUTH NH 03801 CONSTRUCTION/INTERIOR DESIGN SERVICES 820322 PSCU INCORPORATED 560 CARILLON PARK WAY ST PETERSBURG FL 33716 OVERFLOW CALL CENTER SUPPORT 788602 45 INTEREST ON LOANS 522100 53062153 53062153 SERVICE CHARGES & FEES 522100 15257023 14751260 505763 MORTGAGE BANKING/LOAN 522100 4007279 4007279 DEFERRED LOAN FEE EARN 522100 -6227955 -6227955 66098500 3159820 3159820 1075635 402322 673313 673313 673313 906689 0 906689 906689 906689 PASSTHROUGH INCOME 518210 -2423 -2423 -2423 70835899 65592737 503340 4739822 830497 17500 7566789 17910369 873051 3049956 2338091 193237 110500 1655311 2304243 2265896 4382859 3315741 76822 2840 4970124 1499492 213874 PROVISION FOR LOAN LOSS 3533000 LOAN SERVICING 1797645 VISA SUPPORT 1060355 UBI TAXES 40274 2649887 62658353 121408341 72467735 1234263 1305762 304211 296420 1155544077 1364633974 1622912 1976009 57860457 23498776 5139993 34361681 398709820 197855058 16084623 18233185 26708758 36083632 1726756998 1727213456 18008175 20558014 1551062903 1555942701 1569071078 1576500715 X 0 0 23423471 0 134262449 150712741 157685920 150712741 1726756998 1727213456 X 8177546 -15150725 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 2493724 61997 2555721 1129893 1363831 2493724 1083097 46796 1129893 1030134 52963 1083097 1000000 30134 1030134 1.00000 0 0 8738652 8738652 20365230 254565 20110665 12917138 10486539 2430599 14272601 12757672 1514929 1566836 1566836 34361681 MEMBERS' SHARES 1506928009 BORROWED FUNDS 42480000 LEASE LIABILITIES 6534692 1555942701 X 70554728 -670920 -670920 71225648 -389749 -389749 70835899 63060675 0 63060675 -402322 -402322 62658353 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, 2022 AND 2021. PART XI, LINE 4B - OTHER ADJUSTMENTS: PASSTHROUGH INCOME 12,573. RENTAL EXPENSES -402,322. PART XII, LINE 4B - OTHER ADJUSTMENTS: RENTAL EXPENSES -402,322. 1 CHILDREN'S CANCER ASSOCIATION 1200 NW NAITO PARKWAY STE 140 PORTLAND OR 97209 931181662 501(C)(3) 5250 0 GENERAL SUPPORT NORTHWEST CREDIT UNION FOUNDATION 18000 INTERNATIONAL BLVD 1102 SEATAC WA 98188 911649328 501(C)(3) 6000 0 GENERAL SUPPORT SUNSHINE DIVISION INC 687 N THOMPSON PORTLAND OR 97227 930429354 501(C)(3) 6600 0 GENERAL SUPPORT OREGON CONSULAR CORPS SCHOLARSHIP FUND PO BOX 25828 PORTLAND OR 97298 462428202 501(C)(3) 7500 0 GENERAL SUPPORT SNOWCAP COMMUNITY CHARITIES PO BOX 160 FAIRVIEW OR 97024 237121915 501(C)(3) 10000 0 GENERAL SUPPORT SALEM HEALTH FOUNDATION PO BOX 14001 SALEM OR 973095014 237002687 501(C)(3) 10000 0 GENERAL SUPPORT HACIENDA COMMUNITY DEVELOPMENT CORP 6700 NE KILLINGSWORTH ST PORTLAND OR 972181506 930979064 501(C)(3) 10000 0 GENERAL SUPPORT FINANCIAL BEGINNINGS USA 6443 SW BEAVERTON HILLSDALEHWY PORTLAND OR 97221 203530960 501(C)(3) 10000 0 GENERAL SUPPORT WORLD OREGON 1207 SW BROADWAY SUITE 300 PORTLAND OR 97205 930568356 501(C)(3) 10000 0 GENERAL SUPPORT SCHOOLHOUSE SUPPLIES 4916 NE 122ND AVENUE PORTLAND OR 97230 204223437 501(C)(3) 10000 0 GENERAL SUPPORT WORLDWIDE FOUNDATION FOR CREDIT UNIONS 5710 MINERAL POINT ROAD MADISON WI 537054493 396093210 501(C)(3) 15113 0 GENERAL SUPPORT CHILDREN'S MIRACLE NETWORK HOSPITALS CU4KIDS-205 WEST 700 SOUTH SALT LAKE CITY UT 84101 870387205 501(C)(3) 10000 0 GENERAL SUPPORT CLACKAMAS SERVICE CENTER 8800 SE 80TH AVENUE PORTLAND OR 97206 930626175 501(C)(3) 10000 0 GENERAL SUPPORT JUNIOR ACHIEVEMENT OF OR & SW WA 7830 SE FOSTER ROAD PORTLAND OR 97206 930384007 501(C)(3) 10000 0 GENERAL SUPPORT LATINO NETWORK 410 NE 18TH AVE PORTLAND OR 97232 731675402 501(C)(3) 10000 0 GENERAL SUPPORT RANDALL CHILDREN'S HOSPITAL FOUNDATION P O BOX 4484 PORTLAND OR 97208 931314469 501(C)(3) 15000 0 GENERAL SUPPORT HISPANIC METROPOLITAN CHAMBER OF COMMERCE 333 SW 5TH AVENUE 100 PORTLAND OR 97204 931156358 501(C)(3) 20900 0 GENERAL SUPPORT WOU FOUNDATION - 100 STUDENTS CAMPAIGN THE COTTAGE 345 MONMOUTH AVE N MONMOUTH OR 97361 936033807 501(C)(3) 25000 0 GENERAL SUPPORT GOWEST FOUNDATION 18000 INTERNATIONAL BLVDSTE 1102 SEA TAC WA 98188 911649328 501(C)(3) 52800 0 GENERAL SUPPORT PORTLAND ROSE FESTIVAL 1020 SW NAITO PARKWAY PORTLAND OR 97204 930333036 501(C)(3) 80000 0 GENERAL SUPPORT 20 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 630324 0 210106 0 395112 0 203658 0 30921 0 1470121 0 383112 0 DAVID FEHRER EVP - CHIEF STRATEGY AND INNOVATION 329258 0 83057 0 0 0 41592 0 26730 0 480637 0 0 0 BRIAN DEVEREUX SVP - CHIEF LENDING OFFICER 295324 0 76725 0 21 0 37886 0 10866 0 420822 0 0 0 GAYLE EVANS SVP - CHIEF HUMAN RESOURCES OFFICER 236608 0 64737 0 419 0 37353 0 26730 0 365847 0 0 0 MICHAEL NAMBA SVP - CHIEF FINANCIAL OFFICER 286001 0 2500 0 0 0 7094 0 26730 0 322325 0 0 0 CORLINDA WOODEN SVP - CHIEF RETAIL OFFICER 215632 0 43404 0 0 0 36072 0 18478 0 313586 0 0 0 JAMES ALEXANDER SVP - CHIEF RISK OFFICER 201638 0 57401 0 0 0 33732 0 20093 0 312864 0 0 0 TIMOTHY BELL THROUGH 112322 CHIEF EXPERIENCE OFFICER 210717 0 48323 0 0 0 22549 0 0 0 281589 0 0 0 GREG SPEAR THROUGH 21122 CHIEF FINANCIAL OFFICER 175646 0 83392 0 0 0 10851 0 0 0 269889 0 0 0 KEVIN SMITH VP - INFORMATION TECHNOLOGY 175620 0 38902 0 0 0 14628 0 20093 0 249243 0 0 0 RICHARD HIGH AVP - CREDIT ADMINISTRATION 180172 0 24340 0 0 0 13841 0 9567 0 227920 0 0 0 MICHELLE HOLLENBECK MGR - REGIONAL MORTGAGE SALES 172094 0 10426 0 0 0 15102 0 26730 0 224352 0 0 0 WAYNE MATSUMURA AVP - BUSINESS LENDING 157605 0 24337 0 0 0 13279 0 14222 0 209443 0 0 0 LAWRENCE CAVASSO AVP - CONTROLLER 139650 0 25035 0 0 0 13669 0 26730 0 205084 0 0 0 KEVIN MOON MORTGAGE RELATIONSHIP OFFICER 155870 0 6448 0 0 0 13500 0 26730 0 202548 0 0 0 MEGAN SNYDER AVP - STRATEGIC PARTNERSHIPS 140985 0 21142 0 0 0 12645 0 26730 0 201502 0 0 0 JESSICA BROWN VP - PEOPLE AND CULTURE 153576 0 33308 0 0 0 14566 0 0 0 201450 0 0 0 JOHN BACHMAN MGR - INFORMATION TECHNOLOGY 154796 0 22504 0 0 0 14231 0 9567 0 201098 0 0 0 RONDA WAGNER AVP - CONSUMER LENDING 151321 0 23463 0 0 0 13896 0 10742 0 199422 0 0 0 AMY OLSON AVP - RESIDENTIAL MORTGAGE LENDING 136922 0 21609 0 0 0 13153 0 26730 0 198414 0 0 0 AARON BLEDY DIRECTOR - COMMERCIAL SERVICES 134536 0 20436 0 0 0 6450 0 26730 0 188152 0 0 0 LORI FINK AVP - MARKETING & BRAND DEVELOPMENT 136104 0 20289 0 0 0 12670 0 18478 0 187541 0 0 0 ROSE HALFORD AVP - TRAINING & STRATEGY 138330 0 20001 0 0 0 12602 0 9567 0 180500 0 0 0 KENNETH RIEDEL AVP - REGIONAL MANAGER 132441 0 20559 0 0 0 11634 0 10866 0 175500 0 0 0 CHARLES HOPKINS SR. COMMERCIAL LOAN OFFICER 126867 0 15938 0 0 0 11418 0 20093 0 174316 0 0 0 KATHRINE POPOVICH DIRECTOR - PROJECT MANAGEMENT 132556 0 19668 0 0 0 12147 0 9567 0 173938 0 0 0 ALEXANDRE LABARRE SR. CREDIT RISK ANALYST 117672 0 16612 0 0 0 11595 0 25899 0 171778 0 0 0 GRETCHEN GARDNER DIRECTOR ORGANIZATIONAL DEVELOPMENT 128393 0 18883 0 0 0 11840 0 9567 0 168683 0 0 0 ALICIA MOORE THROUGH 121622 DIRECTOR - WORKPLACE DIVERSITY 135018 0 11468 0 0 0 1266 0 18354 0 166106 0 0 0 TERIE EBERT AVP - FACILITIES AND REAL ESTATE 118238 0 22322 0 0 0 11147 0 0 0 151707 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. BRIAN DEVEREUX CHIEF LENDING OFFICER AUTO X 24283 7407 0 1 1 CORLINDA WOODEN CHIEF RETAIL OFFICER AUTO X 41891 27502 0 1 1 CORLINDA WOODEN CHIEF RETAIL OFFICER AUTO X 15000 13193 0 1 1 JAMES ALEXANDER CHIEF RISK OFFICER MORTGAGE X 278150 200400 0 1 1 JAMES ALEXANDER CHIEF RISK OFFICER RV X 50954 47918 0 1 1 296420 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 HUMAN RESOURCES 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 -12,573. OTHER COMPREHENSIVE INCOME -14,467,232. UNREALIZED GAIN/LOSS -670,920.