2023-11-10T13:08:26-06:00 2022-12-31 410746749 CLIFTONLARSONALLEN LLP 20 EAST THOMAS ROAD SUITE 2300 PHOENIX AZ 85012 990 2022-01-01 860098341 TUCSON OLD PUEBLO CREDIT UNION TUCS 5208816262 2500 E 22ND STREET TUCSON AZ 85713 G VERNON BABILON CEO 5208816262 2023-11-08 1 G VERNON BABILON XXX-XX-XXXX 0 MELISSA HANGSLEBEN P02087031 6022662248 2023-11-08 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z G VERNON BABILON 2500 E 22ND STREET TUCSON AZ 85713 15448089 0 X WWW.TOPCU.ORG X 1935 AZ PROVIDING FINANCIAL SERVICES THAT MEET THE UNIQUE NEEDS OF THOSE WHO SERVE OUR COMMUNITY. 7 7 75 12 41378 0 0 0 7600506 9274626 1210761 732577 0 348537 8811267 10355740 0 0 140655 170903 3825768 4103462 0 0 0 3159862 5575067 7126285 9849432 1684982 506308 209105041 222912928 194784300 215395435 14320741 7517493 MEETING THE FINANCIAL NEEDS OF INDIVIDUALS AND SMALL BUSINESSES. 0 0 PROVIDING LOANS AND SERVICES TO MEMBERS OF TUCSON OLD PUEBLO CREDIT UNION. AT THE END OF 2022, THERE WERE 19,246 MEMBERS. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1581 0 1 75 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 0 0 1 1 0 1 1 1 1 1 1 1 0 X LESLIE FREED 5209180375 2500 E 22ND STREET TUCSON AZ 85713 G VERNON BABILON PRESIDENT/CEO 40.00 X 186706 0 15105 KENNETH KRAPF COMMERCIAL LENDING MANAGER 40.00 X 154954 0 15598 KENT HALL CFO 40.00 X 135011 0 10316 MICHAEL SCHMELL COO (THRU 09/22) 40.00 X 100528 0 13030 RICHARD PRATER CHAIR 2.00 X X 0 0 0 MIKE MCKENDRICK VICE CHAIR 2.00 X X 0 0 0 ROSS UNDERWOOD TREASURER 2.00 X X 0 0 0 WILLIAM RICHARDS SECRETARY 2.00 X X 0 0 0 DAVID FREGONESE DIRECTOR 2.00 X 0 0 0 BRITTON SIMMONS DIRECTOR 2.00 X 0 0 0 FRED CUSHMAN DIRECTOR 2.00 X 0 0 0 577199 0 54049 4 0 1 0 PSCU 560 CARILLON PARKWAY ST PETERSBURG FL 33716 DEBIT AND CREDIT CARD SERVICES 562907 MEMBER DRIVEN TECHNOLOGIES 30230 ORCHARD LAKE ROAD FARMINGTON HILLS MI 48334 IT SERVICES 414775 ALKAMI 5601 GRANITE PARKWAY STE 120 PLANO TX 75024 DIGITAL BANKING PLATFORM 190803 VISA USA 900 METRO CENTER BLVD FOSTER CITY CA 94404 CREDIT CARD SERVICES 137116 4 INTEREST ON LOANS 522100 7204530 7204530 FEES & CHARGES 522100 2070096 2028718 41378 9274626 863474 863474 4961452 5092349 -130897 -130897 -130897 OTHER INCOME 900099 348537 348537 348537 10355740 9233248 41378 1081114 X 170903 631248 2834146 84131 300715 253222 7416 135668 5627 1614286 117726 350187 207780 175413 15815 11876 147858 291473 54042 ALLOWANCE FOR LOAN LOSS 1563112 LOAN SERVICING EXPENSE 624821 MISCELLANEOUS 251967 9849432 875482 20070460 41506 109363616 164440585 467760 573390 8449206 4680294 3954432 3768912 67013887 45899164 2099313 1495313 5260091 6694058 209105041 222912928 2528137 735340 17900000 192256163 196760095 194784300 215395435 X 0 0 0 0 14320741 7517493 14320741 7517493 209105041 222912928 506308 -7309556 0 X 0 0 0 1224779 1224779 5208673 3158604 2050069 2015754 1521690 494064 3768912 MEMBER SHARE AND SAVINGS ACCOUNTS 196000251 DEFERRED COMP INVESTMENT LIABILITY 457(B) AND 457(F) 759844 196760095 X X 0 1 0 G VERNON BABILON PRESIDENT/CEO 186206 0 500 0 0 0 6365 0 8740 0 201811 0 0 0 KENNETH KRAPF COMMERCIAL LENDING MANAGER 89621 0 65333 0 0 0 4392 0 11206 0 170552 0 0 0 PART I, LINE 4B: THE CREDIT UNION HAS A 457F DEFERRED COMPENSATION PLAN FOR CERTAIN LEVELS OF MANAGEMENT. THERE WERE NO CONTRIBUTIONS OR DISTRIBUTIONS MADE DURING CALENDAR 2022. FORM 990, PART VI, SECTION A, LINE 6 IF YOU LIVE, WORK OR WORSHIP IN TUCSON, OR YOU KNOW AN EXISTING MEMBER WHO WOULD SPONSOR YOU, YOU ARE ELIGIBLE TO BECOME A TOPCU MEMBER. FORM 990, PART VI, SECTION A, LINE 7A THE MEMBERS ELECT THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION A, LINE 7B CERTAIN DECISIONS MUST BE APPROVED BY THE MEMBERSHIP. BYLAW CHANGES ENACTED BY THE BOARD AND APPROVED BY THE STATE MUST BE RATIFIED BY THE MEMBERS AT THE SUBSEQUENT ANNUAL MEETING. FORM 990, PART VI, SECTION A, LINE 8B THE CREDIT UNION DOES NOT HAVE A COMMITTEE WITH AUTHORITY TO ACT ON BEHALF OF THE BOARD. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PREPARED BY THE ORGANIZATION'S PUBLIC ACCOUNTING FIRM BASED ON INFORMATION PROVIDED BY MANAGEMENT. ONCE THE DRAFT IS AVAILABLE, IT IS REVIEWED BY MANAGEMENT AND ANY CHANGES INCORPORATED INTO THE FILING. ONCE THIS DETAILED REVIEW IS COMPLETE, THE FORM 990 IS FILED WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C THE CODE OF CONDUCT FOR EMPLOYEES AND VOLUNTEERS IS REVIEWED ANNUALLY BY THE BOARD AS IS ON THE COMPLIANCE COMMITTEE AND BOARD RECURRING CALENDARS. VOLUNTEERS INDIVIDUALLY REVIEW AND SIGN DECLARATION OF ETHICAL CONDUCT ANNUALLY AND THEY ARE KEPT IN THE EXECUTIVE ASSISTANT'S CARE. EMPLOYEES INDIVIDUALLY REVIEW AND SIGN DECLARATION OF ETHICAL CONDUCT ANNUALLY AND THIS IS KEPT IN THE HR DEPARTMENT. THIS POLICY COVERS ALL CREDIT UNION EMPLOYEES AND VOLUNTEERS. GIFTS OF $100 OR MORE ARE CONSIDERED CONFLICTS OF INTEREST. VIOLATIONS OF THIS POLICY MAY RESULT IN DISCIPLINARY ACTION, UP TO AND INCLUDING TERMINATION OF SERVICE. FORM 990, PART VI, SECTION B, LINE 15 THE CEO IS HIRED BY THE BOARD WHO DETERMINES THE CEO'S COMPENSATION. THE HR DEPARTMENT USES COMPENSATION DATA FROM OUR PROFESSIONAL EMPLOYER ORGANIZATION, PAYLOCITY. THE COMPENSATION DATA ENABLES THE CREDIT UNION TO EVALUATE, TRACK AND MODIFY COMPENSATION BASED ON MARKET DATA, INTERNAL COMPARABLES AND JOB FAMILIES TO ENSURE THAT WE ARE COMPETITIVE, FOLLOWING ALL LEGAL GUIDELINES AND APPLYING THE PRINCIPLE OF FAIRNESS TO OUR COMPENSATION REVIEW PROCESS AND PRACTICES. THE FINAL DECISION FOR THE CEO'S COMPENSATION IS DOCUMENTED IN HR PERSONNEL RECORDS. OTHER OFFICERS AND EMPLOYEES ALSO HAVE THEIR JOB CLASSIFICATION RATED ANNUALLY BY COMPENSATION DATA FROM PAYLOCITY. THE DATA HELPS TO DETERMINE THE APPROPRIATE PLACING WITHIN THE EMPLOYMENT FRAMEWORK AND CLASSIFICATION OF SALARY. THE CEO REVIEWS AND APPROVES COMPENSATION OF OTHER OFFICERS AND KEY EMPLOYEES AND THE DECISION IS DOCUMENTED BY HR. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION'S FINANCIAL STATEMENTS ARE POSTED ON ITS WEBSITE. ALL OTHER GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST. FORM 990, PART IX, LINE 11G ACHA FEES 4,195. ATM/VISA DR CARD SUPPORT 721,399. BILL PAYER EXPENSE 44,867. DATA PROCESSING SERVICE 460,570. HR SERVICING 45,663. COIN/CURRENCY COSTS 15,105. SHARED BRANCHING NETWORK 56,436. IRA CUNA FEES 6,172. OTHER PROF & OUTSIDE 239,578. MOBILE BANKING EXPENSE 16,101. BUSINESS CONTINUITY EXPENSE 4,200.