2023-10-27T11:29:41-05:00 2022-12-31 910189318 MOSS ADAMS LLP 2707 COLBY AVENUE SUITE 801 EVERETT WA 98201 990 2022-01-01 910557925 SOUND CREDIT UNION SOUN 2535977603 PO BOX 1595 TACOMA WA 98401 SANDY LOPEZ VP/CONTROLLER 2535977603 2023-10-25 1 SANDY LOPEZ 999009999 1 COLLEEN RAMIRES P01251320 4252597227 2023-10-25 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z DONALD CLARK JR PO BOX 1595 TACOMA WA 98401 118890575 0 X WWW.SOUNDCU.COM X 1940 WA COOPERATIVE PROVIDING FINANCIAL SERVICES, INCLUDING LOANS AND SHARE DEPOSITS TO ITS MEMBERS. 9 9 531 0 385277 0 0 0 102027323 112047798 3675217 6310652 -90965 -267236 105611575 118091214 219500 511800 0 0 36800649 40480271 0 0 0 43954225 55096789 80974374 96088860 24637201 22002354 2549084611 2699695858 2284586056 2431136934 264498555 268558924 A MEMBER OWNED COOPERATIVE PROVIDING FINANCIAL SERVICES, INCLUDING LOANS AND SHARE DEPOSITS TO ITS MEMBERS. 0 0 ON THE LIABILITY/EQUITY SIDE OF THE BALANCE SHEET OUR MEMBERS HOLD 287,696 SAVINGS, CHECKING, AND MONEY MARKET DEPOSIT ACCOUNTS WITH COMBINED BALANCES OF $1,956,013,727. MEMBERS HOLD 2,143 IRA SAVINGS ACCOUNTS WITH COMBINED BALANCES OF $23,198,900. THESE FUNDS ARE POOLED AND USED PRIMARILY TO FUND CONSUMER AND REAL ESTATE SECURED LOANS TO OUR MEMBERSHIP. ALSO ON THE LIABILITY/EQUITY SIDE OF THE BALANCE SHEET, 9,056 OF OUR MEMBERS HOLD CERTIFICATE ACCOUNTS WITH TOTAL BALANCES OF $329,971,342. ON THE ASSET SIDE, 81,150 OF OUR MEMBERS HOLD CONSUMER LOANS THAT INCLUDE VEHICLE, STUDENT, MORTGAGE, AND VISA LOANS. CONSUMER LOANS THAT INCLUDE VEHICLE SECURED LOANS THAT $788,182,891. REAL ESTATE SECURED LOANS TOTALS $1,132,490,040. THE LOAN PORTFOLIO TOTALS, $2,086,675,029. 0 0 1 0 0 0 0 1 0 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 1 1 0 0 1 22047 0 1 531 1 1 1 0 0 0 0 0 1 0 X 9 9 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 1 0 X SANDY LOPEZ 2535977603 1331 BROADWAY PLAZA TACOMA WA 98401 SHELLEY COLEMAN CHAIR 1.00 X X 21250 0 0 JOHN BAUDER VICE CHAIR 1.00 X X 20000 0 0 BARRY WALLIS SECRETARY/TREASURER 1.00 X X 20000 0 0 HALUK DEMIRKIAN DIRECTOR 1.00 X 20000 0 0 BRENDA GOODSON-MOORE DIRECTOR 1.00 X 15000 0 0 JIM GRIGGS DIRECTOR 1.00 X 20000 0 0 ALTAF MERCHANT DIRECTOR 1.00 X 15000 0 0 TERRY PENTIMONTI DIRECTOR 1.00 X 4625 0 0 DAVID WASSON DIRECTOR 1.00 X 23750 0 0 KEITH MOCK DIRECTOR (THRU 06/22) 1.00 X 13875 0 0 DONALD CLARK JR PRESIDENT/CEO 40.00 X 1430828 0 275637 TROY GARRY EVP/CHIEF FINANCIAL OFFICER 40.00 X 424914 0 57013 WENDY CLEVELAND EVP/CHIEF OPERATIONS OFFICER 40.00 X 406143 0 49000 ROBYN LACHANCE EVP/CHIEF ADMINISTRATION OFFICER 40.00 X 334836 0 18337 LYMAN WILLIAMS SVP/CHIEF LENDING OFFICER 40.00 X 305321 0 37248 KIMBERLY MAPES SVP/CHIEF EMPLOYEE ENGAGEMENT OFFICER 40.00 X 280978 0 19357 CHARLENE HENSON SVP/CHIEF RETAIL OFFICER 40.00 X 258399 0 19821 NANCY STERNITZKY SVP/CHIEF INFORMATION OFFICER 40.00 X 284540 0 35333 RYAN ZILKER SVP/CHIEF STRATEGY & MARKETING OFFICER 40.00 X 256837 0 28237 KASEY BROOKS WINKLER BUSINESS LOAN OFFICER 40.00 X 358523 0 37515 ANDREW BLOOM BUSINESS LOAN OFFICER 40.00 X 228940 0 18451 UWE GOEKER VP/CHANGE MANAGEMENT & ENTERPRISE PROJECTS 40.00 X 209673 0 35195 CURTIS ANDERSON VP/BUSINESS LENDING 40.00 X 202882 0 27159 5156314 0 658303 51 0 1 0 NCR CORPORATION 14181 COLLECTIONS CENTER DRIVE CHICAGO IL 60693 DIGITAL BANKING SERVICES 1984514 MEDIA PLUS PO BOX 46789 SEATTLE WA 98146 MEDIA/COMMUNICATIONS 1415869 SOUTHWEST BUSINESS CORPORATION PO BOX 795027 SAN ANTONIO TX 782791109 FINANCIAL AND INSURANCE SERVICES 872031 KAYE-SMITH ENTERPRISES PO BOX 956 RENTON WA 980570956 PRINTING/MAILING STATEMENTS 870615 JACK HENRY & ASSOCIATES INC PO BOX 609 MONETT MO 65708 IT SYSTEM SERVICES 788234 61 LOAN INTEREST INCOME 522291 79849464 79849464 INTERCHANGE 522299 13388013 13388013 FEES AND CHARGES 522100 11462047 11303043 159004 LOAN ORIGINATION INCOM 518210 2854351 2854351 FINANCIAL SERVICES 522100 781264 578135 203129 3712659 3584766 127893 112047798 6326103 -104749 6430852 516674 783910 -267236 -267236 -267236 15451 -15451 -15451 -15451 118091214 111557772 385277 6148165 414300 97500 4411207 26987447 2866267 3569318 2646032 167926 122547 395402 3224972 209250 7114521 3097111 1948338 345588 329746 6634922 3713488 PROVISION FOR LOAN LOSS 8961968 LOAN SERVICING 8734284 BANK FEES 5986784 MP AMORTIZATION OF CDI 3034181 1075761 96088860 45774408 45812271 412587262 118325807 12241734 13418067 11325808 17155598 1640378581 2077223588 3193762 2617358 87689223 31497016 58047466 56192207 311656930 307909165 6514384 10198804 18601244 15567062 28763032 35275931 2549084611 2699695858 28541010 39853690 2930837 3220957 1644490 81581990 2251469719 2306480297 2284586056 2431136934 X 0 0 0 0 264498555 268558924 264498555 268558924 2549084611 2699695858 22002354 -17941985 0 X 0 1 X 1 0 23475 0 0 23475 23475 1 CREDIT UNION LEGISLATIVE ACTION FUND 18000 INTERNATIONAL BLVD STE 350 SEATAC WA 98188 800043051 23475 PART I-A, LINE 1: THE CREDIT UNION CONTRIBUTED TO A POLITICAL ACTION COMMITTEE WHOSE FUNDS ARE USED TO MAKE CONTRIBUTIONS TO SUPPORT THE ELECTION OF CREDIT UNION-FRIENDLY CANDIDATES FOR STATEWIDE OFFICE AND STATE LEGISLATURE. 0 1 X 19278407 19278407 31990417 8559509 23430908 17975004 9873406 8101598 18445395 13064101 5381294 56192207 MEMBER SHARES 2306480297 2306480297 X PART IV, LINE 2B: THE CREDIT UNION HOLDS ESCROWED FUNDS FOR THE PAYMENT OF PROPERTY TAXES AND INSURANCE PREMIUMS AS A SERVICE FOR MEMBERS WHO HAVE MORTGAGES WITH THE CREDIT UNION. A THIRD-PARTY MORTGAGE SERVICE PROVIDER HANDLES THE ESCROW PROCESSING ON BEHALF OF THE CREDIT UNION. PART X, LINE 2: THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DESCRIBED IN INTERNAL REVENUE CODE (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. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (AS DEFINED IN SECTION 512) DERIVED BY STATE-CHARTERED CREDIT UNIONS. ACCOUNTING PRINCIPLES PRESCRIBE A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE CREDIT UNION ADOPTED THE PROVISIONS OUTLINED IN THIS GUIDANCE ON JANUARY 1, 2009. THE CREDIT UNION HAD NO UNRECOGNIZED TAX POSITIONS AT DECEMBER 31, 2022 OR 2021. IF ASSESSED, THE CREDIT UNION RECOGNIZES PENALTIES AND INTEREST ASSOCIATED WITH TAX MATTERS AS PART OF OPERATING EXPENSES. 1 BUSINESS IMPACT NW 1437 S JACKSON ST SEATTLE WA 98144 911764008 501 (C) (3) 45000 0 GENERAL SUPPORT ECONOMIC DEVELOPMENT BOARD OF TACOMAPIERCE COUNTY PO BOX 1555 TACOMA WA 98401 911040355 501 (C) (6) 6000 0 ANNUAL MEETING SPONSOR FOOD LIFELINE 815 S 96TH ST SEATTLE WA 98108 911090450 501 (C) (3) 13600 0 GENERAL SUPPORT FRIENDS OF THE CHILDREN 7302 S PARK AVE TACOMA WA 98408 843340283 501 (C) (3) 6250 0 GENERAL SUPPORT GOWEST CREDIT UNION FOUNDATION 18000 INTERNATL BLVD STE 1102 SEATAC WA 98188 911649328 501 (C) (6) 32325 0 GENERAL SUPPORT; CU4KIDS AUCTION GREATER TACOMA COMMUNITY FOUNDATION 950 PACIFIC AVE STE 1100 TACOMA WA 98402 911007459 501 (C) (3) 11750 0 SOUTH SOUND TOGETHER GENERAL SUPPORT; CRYSTAL JUDSON FAMILY JUSTICE CENTER INCLUSIV INC 39 BROADWAY SUITE 2140 NEW YORK NY 10006 112421972 501 (C) (3) 7500 0 MEMBERSHIP PUYALLUP MAIN STREET ASSOCIATION 118 W MAIN PUYALLUP WA 98371 943116104 501 (C) (3) 5500 0 MEEKER DAYS SPONSOR SEATTLE PRIDE 600 1ST AVE SUITE 430 SEATTLE WA 98104 203784927 501 (C) (3) 7500 0 SPONSORSHIP TACOMA STARS PROFESSIONAL SOCCER 364 UPLAND DR TUKWILA WA 981883801 473755955 501 (C) (3) 8000 0 SPONSORSHIP UNIVERSITY OF WASHINGTON FOUNDATION 1900 COMMERCE ST TACOMA WA 984023100 943079432 501 (C) (3) 45500 0 BUSINESS LEADERSHIP AWARDS SPONSORSHIP; FINANCIAL WELLNESS WORLDWIDE FOUNDATION FOR CREDIT UNIONS PO BOX 2982 MADISON WI 537012982 396093210 501 (C) (3) 10225 0 GENERAL SUPPORT YMCA 4717 S 19TH ST STE 201 TACOMA WA 984051167 910565562 501 (C) (3) 10000 0 TOM TAYLOR YMCA SPONSORSHIP 11 2 HIGH SCHOOL SCHOLARSHIPS 12 13000 SCHOLARSHIPS FOR HIGH SCHOOL SENIORS PURSUING HIGHER EDUCATION FIRST TIME HOME BUYERS 13 84500 GOWEST FOUNDATION MATCHING GRANT PART I, LINE 2: THE DONATION AND SPONSORSHIP COMMITTEE MEETS APPROXIMATELY EVERY 45-60 DAYS TO REVIEW EACH REQUEST THAT IS SUBMITTED. AS THE REQUESTS ARE REVIEWED, THE ORGANIZATION DETERMINES THE FOLLOWING INFORMATION: WHO IS THE ORGANIZATION AND WHAT DO THEY DO? WHAT ARE THEY TRYING TO ACHIEVE WITH THEIR REQUEST? WHAT IS THEIR PURPOSE, AND DOES IT ALIGN WITH SOUND'S PUBLIC RESPONSIBILITY BELIEFS? IS THE SUPPORTING ORGANIZATION GOOD FOR THE LOCAL COMMUNITY, SOUND'S MEMBERSHIP, AND SOUND CREDIT UNION AS A WHOLE? WHERE ARE THEY LOCATED AND WHAT IS THEIR AREA OF FOCUS? HAS THE ORGANIZATION SUPPORTED THE CAUSE IN THE PAST? DOES THE DOLLAR AMOUNT REQUESTED FIT INTO THE BUDGET? WHEN APPROVED, THE ORGANIZATION WORKS WITH THE REQUESTING ORGANIZATION TO DISCUSS NEXT STEPS, INCLUDING PAYMENT, LOGO PLACEMENT, AND SOCIAL MEDIA. ONCE SCHOLARSHIP APPLICATIONS ARE SUBMITTED EACH COMMITTEE MEMBER SCORES THE APPLICATIONS. THOSE SCORES ARE THEN AVERAGED. THE COMMITTEE MEETS TO DISCUSS ALL APPLICATIONS AND DETERMINE THE TOP APPLICANTS THEY FEEL SHOULD BE SELECTED TO RECEIVE THE AWARDS. APPLICANTS PROVIDE THEIR SCHOOL'S INFORMATION AND SCHOLARSHIP CHECKS ARE MAILED DIRECTLY TO THE SCHOOL'S FINANCIAL AID OFFICE. PAYMENTS COME DIRECTLY FROM SOUND CREDIT UNION. X X 1 0 X X X 0 1 0 DONALD CLARK JR PRESIDENT/CEO 707130 0 212139 0 511559 0 248829 0 26808 0 1706465 0 0 0 TROY GARRY EVP/CHIEF FINANCIAL OFFICER 291721 0 72930 0 60263 0 30205 0 26808 0 481927 0 0 0 WENDY CLEVELAND EVP/CHIEF OPERATIONS OFFICER 291721 0 72930 0 41492 0 31500 0 17500 0 455143 0 0 0 KASEY BROOKS WINKLER BUSINESS LOAN OFFICER 357523 0 1000 0 0 0 10707 0 26808 0 396038 0 0 0 ROBYN LACHANCE EVP/CHIEF ADMINISTRATION OFFICER 243500 0 60875 0 30461 0 7525 0 10812 0 353173 0 0 0 LYMAN WILLIAMS SVP/CHIEF LENDING OFFICER 237314 0 59329 0 8678 0 10440 0 26808 0 342569 0 0 0 NANCY STERNITZKY SVP/CHIEF INFORMATION OFFICER 220500 0 55125 0 8915 0 8525 0 26808 0 319873 0 0 0 KIMBERLY MAPES SVP/CHIEF EMPLOYEE ENGAGEMENT OFFICE 216300 0 54075 0 10603 0 9729 0 9628 0 300335 0 0 0 RYAN ZILKER SVP/CHIEF STRATEGY & MARKETING OFFIC 204000 0 51000 0 1837 0 8468 0 19769 0 285074 0 0 0 CHARLENE HENSON SVP/CHIEF RETAIL OFFICER 201890 0 50473 0 6036 0 9009 0 10812 0 278220 0 0 0 ANDREW BLOOM BUSINESS LOAN OFFICER 227940 0 1000 0 0 0 9157 0 9294 0 247391 0 0 0 UWE GOEKER VP/CHANGE MANAGEMENT & ENTERPRISE PR 175032 0 27450 0 7191 0 8387 0 26808 0 244868 0 0 0 CURTIS ANDERSON VP/BUSINESS LENDING 170500 0 25575 0 6807 0 8115 0 19044 0 230041 0 0 0 PART I, LINE 1A FIRST CLASS TRAVEL: FIRST CLASS TRAVEL IS PROVIDED FOR BOARD OF DIRECTORS MEMBERS FOR FLIGHTS OVER A CERTAIN AMOUNT OF HOURS. TRAVEL FOR COMPANIONS: INCLUDES SPOUSAL TRAVEL FOR BOARD OF DIRECTORS MEMBERS, ALL OF WHICH IS TAXABLE COMPENSATION. PART I, LINE 4B THE CREDIT UNION HAS ENTERED INTO TWO 457(F) SUPPLEMENTAL RETIREMENT BENEFIT AGREEMENTS WITH DON CLARK JR. IN 2022, UNDER ONE 457(F) PLAN, DON CLARK RECEIVED A PAYOUT OF $400,000 AND NO AMOUNT WAS REPORTED AS DEFERRED COMPENSATION ON PART II, COLUMN C. IN 2022, UNDER THE SECOND 457(F) PLAN, $225,500 WAS REPORTED AS DEFERRED COMPENSATION ON PART II, COLUMN C AND NO AMOUNT WAS PAID OUT. CHARLENE HENSON SVP/CHIEF RETAIL OFFICER NON-RECOURSE, SPLIT DOLLAR LOAN X 1250000 1215455 0 1 1 KIMBERLY MAPES SVP/CHIEF EMPLOYEE ENGAGEMENT OFFICER NON-RECOURSE, SPLIT DOLLAR LOAN X 2050000 1967523 0 1 1 LYMAN WILLIAMS SVP/CHIEF LENDING OFFICER NON-RECOURSE, SPLIT DOLLAR LOAN X 1500000 1461643 0 1 1 ROBYN LACHANCE EVP/CHIEF STRATEGY OFFICER NON-RECOURSE, SPLIT DOLLAR LOAN X 2160000 2134607 0 1 1 TROY GARRY EVP/CHIEF FINANCIAL OFFICER NON-RECOURSE, SPLIT DOLLAR LOAN X 2200000 2132845 0 1 1 WENDY CLEVELAND EVP/CHIEF OPERATIONS OFFICER NON-RECOURSE, SPLIT DOLLAR LOAN X 2150000 2069245 0 1 1 NANCYSTERNITZKY SVP/CHIEF INFORMATION OFFICER NON-RECOURSE, SPLIT DOLLAR LOAN X 6300000 6174280 0 1 1 17155598 FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION HAS 163,720 MEMBERS AS OF DECEMBER 31, 2022. FORM 990, PART VI, SECTION A, LINE 7A THE CREDIT UNION'S MEMBERS HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE GOVERNING BODY, WHETHER PERIODICALLY, AS VACANCIES ARISE, OR OTHERWISE. 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 ANNUALLY. ADDITIONALLY, MEMBERS VOTE ON ITEMS BROUGHT THROUGH A SPECIAL MEETING OF MEMBERS, SUCH AS MERGERS AND REMOVAL OF OFFICERS AND DIRECTORS. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PROVIDED TO THE BOARD OF DIRECTORS WHO REVIEW THE FORM AND APPLICABLE SCHEDULES PRIOR TO THE RETURN'S FILING WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C EMPLOYEES SIGN A STATEMENT REQUIRING THAT THEY MUST DISCLOSE TO THE PRESIDENT & CEO ANY ACTUAL, POTENTIAL, OR PERCEIVED CONFLICTS OF INTEREST BEFORE BEING HIRED. DIRECTORS AND VOLUNTEERS SIGN A "CODE OF ETHICS ACKNOWLEDGEMENT" THAT STATES THEY WILL NOT BE INVOLVED IN SITUATIONS THAT RESULT IN OR COULD BE PERCEIVED TO BE A CONFLICT OF INTEREST. THEY MUST ALSO EXCUSE THEMSELVES FROM ANY DISCUSSIONS OR PARTICIPATION IN DECISIONS INVOLVING INSTANCES IN WHICH A CONFLICT OF INTEREST EXISTS OR MAY EXIST. THE POLICY MANUAL HAS THREE SECTIONS IN WHICH CONFLICTS OF INTEREST ARE STATED AND THE BOARD APPROVES THE POLICY MANUAL ON AN ANNUAL BASIS. BOTH THE CEO & EVP MONITOR ALL STAFF AND VOLUNTEER ACCOUNTS. IN ADDITION, DURING OUR CERTIFIED AUDIT, ALL STAFF AND VOLUNTEER ACCOUNTS, OR A SAMPLING, ARE REVIEWED FOR POTENTIAL CONFLICTS OF INTEREST. NO DIRECTOR, COMMITTEE MEMBER, OR EMPLOYEE OF THE CREDIT UNION MAY HAVE A PECUNIARY INTEREST IN ANY CONTRACT OR TRANSACTION WITH THE CREDIT UNION UNLESS THIS INTEREST IS DISCLOSED AND MADE KNOWN TO THE BOARD OF DIRECTORS. NO DIRECTOR OR COMMITTEE MEMBER OF THE CREDIT UNION WILL PARTICIPATE IN THE DELIBERATION OF ANY QUESTION AFFECTING THEIR OWN PECUNIARY INTEREST. SUCH DIRECTOR OR COMMITTEE MEMBER WILL WITHDRAW FROM THE DELIBERATION AND DECISION UPON SUCH INTEREST. FORM 990, PART VI, SECTION B, LINE 15 LINE 15A, COMPENSATION PROCESS FOR TOP OFFICIAL: THE EMPLOYEE BENEFITS COMMITTEE, WHICH IS COMPRISED OF 3 BOARD MEMBERS, REVIEWS LOCAL SURVEYS, INCLUDING THE ANNUAL MILLIMAN NORTHWEST FINANCIAL INDUSTRY SALARY SURVEY TO DEVELOP A RECOMMENDATION FOR THE BOARD. THE BOARD REVIEWS THE COMMITTEE'S RECOMMENDATION AND APPROVES THE CEO'S COMPENSATION. THE BOARD DELIBERATION AND DECISION IS CONTEMPORANEOUSLY SUBSTANTIATED IN THE BOARD MINUTES. THIS PROCESS WAS LAST DONE IN 2019 IN DETERMINING THE CEO'S COMPENSATION FOR EACH YEAR THROUGH 2024. LINE 15B, COMPENSATION PROCESS FOR OFFICERS: OTHER OFFICER AND KEY EMPLOYEE COMPENSATION IS DETERMINED BY THE CEO AND CONTEMPORANEOUSLY DOCUMENTED, BASED ON A REVIEW OF LOCAL SALARY SURVEY INFORMATION, AND BECOMES A PART OF THE COMPENSATION RECOMMENDATION DURING THE BUDGET PROCESS. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION'S BYLAWS, ARTICLES OF INCORPORATION, FIELD OF MEMBERSHIP (CHARTER), CONSUMER/BUSINESS MEMBERSHIP AGREEMENTS, FINANCIAL STATEMENTS AND ANNUAL REPORT, THAT MEMBERS HAVE THE RIGHT TO VIEW, ARE AVAILABLE UPON REQUEST. THE REQUEST MUST BE IN WRITTEN FORM. THE CREDIT UNION RELEASES DOCUMENTS TO THE PUBLIC IN ACCORDANCE WITH RULES AND REGULATIONS AS APPLICABLE. SOUND FINANCIAL GROUP INC PO BOX 1595 TACOMA WA 98401 911263213 INSURANCE WA SOUND CREDIT UNION C 29480 577060 1.00000 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0