CREDIT UNIONS IN THE STATE OF WASHINGTON: Form 990, tax year 2021

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS IN THE STATE OF WASHINGTON (EIN 91-0684272)
Tax period: 2021-01-01 to 2021-12-31
Filed: 2022-09-06
IRS object ID: 202222499349300982
Schema version: 2021v4.2
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

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2022-09-06T14:06:00-05:00	ReturnTs
Tax Period End	2021-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	810987947	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	HAUSER JONES & SAS PLLC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	10940 NE 33RD PLACE SUITE 100	AddressLine1Txt
City	BELLEVUE	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	98004	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2021-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	910684272	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	NORTHWEST PLUS CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	NORT	BusinessNameControlTxt
Phone	4252971000	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2821 HEWITT AVENUE	AddressLine1Txt
City	EVERETT	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	982013890	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	TORRIE RAMOS	PersonNm
Person Title	PRESIDENT/CEO	PersonTitleTxt
Phone	4252971000	PhoneNum
Signature	2022-09-06	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	TORRIE	PersonFirstNm
Person Last	RAMOS	PersonLastNm

Field	Value	IRS element (for citing)
SSN	999009999	SSN

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	ROGER A JONES CPA	PreparerPersonNm
PTIN	P01702335	PTIN
Phone	4258891778	PhoneNum
Preparation	2022-09-02	PreparationDt

Additional Filer Information AdditionalFilerInformation

Trusted Customer TrustedCustomerGrp

Field	Value	IRS element (for citing)
Trusted Customer	3	TrustedCustomerCd
Authentication Assurance Level	AAL1	AuthenticationAssuranceLevelCd
Identity Assurance Level	IAL1	IdentityAssuranceLevelCd

Field	Value	IRS element (for citing)
Tax	2021	TaxYr
Build TS	2022-09-23 18:48:47Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	TORRIE RAMOS	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2821 HEWITT AVENUE	AddressLine1Txt
City	EVERETT	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	982013890	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$11,944,192	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.NWPLUSCU.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1938	FormationYr
Legal Domicile State	WA	LegalDomicileStateCd
Activity Or Mission	PROVIDE FINANCIAL SERVICES, SUCH AS LOANS, TO ANYONE WHO LIVES OR WORKS IN WASHINGTON.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	67	TotalEmployeeCnt
Total Volunteers	12	TotalVolunteersCnt
Total Gross UBI	$19,579	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$11,691,623	PYProgramServiceRevenueAmt
CY Program Service Revenue	$10,903,152	CYProgramServiceRevenueAmt
PY Investment Income	$541,143	PYInvestmentIncomeAmt
CY Investment Income	$906,903	CYInvestmentIncomeAmt
PY Other Revenue	$126,675	PYOtherRevenueAmt
CY Other Revenue	$131,609	CYOtherRevenueAmt
PY Total Revenue	$12,359,441	PYTotalRevenueAmt
CY Total Revenue	$11,941,664	CYTotalRevenueAmt
PY Grants And Similar Paid	$8,750	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$17,844	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$3,524,385	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$3,714,973	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$5,960,335	PYOtherExpensesAmt
CY Other Expenses	$4,924,301	CYOtherExpensesAmt
PY Total Expenses	$9,493,470	PYTotalExpensesAmt
CY Total Expenses	$8,657,118	CYTotalExpensesAmt
PY Revenues Less Expenses	$2,865,971	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$3,284,546	CYRevenuesLessExpensesAmt
Total Assets BOY	$265,102,624	TotalAssetsBOYAmt
Total Assets EOY	$299,736,440	TotalAssetsEOYAmt
Total Liabilities BOY	$235,116,666	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$268,008,627	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$29,985,958	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$31,727,813	NetAssetsOrFundBalancesEOYAmt
Mission	WE ARE COMMITTED TO HELP OUR MEMBERS GET AHEAD FINANCIALLY THROUGH EXCELLENT SERVICE AND QUALITY PRODUCTS.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	SINCE 1939, NW PLUS CREDIT UNION HAS PROVIDED FINANCIAL SERVICES TO THEEMPLOYEES AND FAMILY MEMBERS OF FRONTIER COMMUNICATIONS FORMERLY KNOWNAS GTE AND VERIZON. SINCE THEN, WE HAVE EXPANDED OUR CHARTER TO INCLUDEANYONE WHO LIVES, WORKS OR WORSHIPS IN THE STATE OF WASHINGTON. NW PLUSCREDIT UNION'S EXISTENCE REFLECTS ITS MEMBERS' COMBINED INTERESTS TOBENEFIT THE GENERAL MEMBERSHIP IN THE LOCAL COMMUNITIES WE SERVE. WEPROVIDE A FULL SPECTRUM OF FINANCIAL PRODUCTS AND SERVICES AND RETURNTHE PROFIT TO OUR MEMBERS, WITH LOWER LOAN RATES AND HIGHER SAVINGSRATES, LOW FEES, AND INNOVATIVE PRODUCTS. THIS DIRECT FINANCIAL VALUEIS GIVEN BACK TO OUR MEMBERS, INSTEAD OF BEING PAID TO A LIMITED NUMBEROF STOCKHOLDERS, OFFICERS, OR OUT-OF-STATE OWNERS, AS MANY BANKS DO. ASOF DECEMBER 31, 2021, NW PLUS CREDIT UNION HAD 17,608 MEMBERS.	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	Yes (1)	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	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	12363	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	67	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	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	IndependentVotingMemberCnt
Family Or Business Rln	Yes (1)	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	0	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	0	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	BRIAN WALKER	PersonNm
Phone	4252971000	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2821 HEWITT AVE	AddressLine1Txt
City	EVERETT	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	98201	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (11 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt
BRAD JONES
VICE CHAIRMAN	2.00	Yes (X)	Yes (X)	$0	$0	$0
MARY BALLARD
SECRETARY	2.00	Yes (X)	Yes (X)	$0	$0	$0
GARY HEILMAN
CHAIR	3.00	Yes (X)	Yes (X)	$0	$0	$0
JOHN CONDERMAN
DIRECTOR	2.00	Yes (X)		$0	$0	$0
KIMBERLY STONE
DIRECTOR	2.00	Yes (X)		$0	$0	$0
PAUL ERICKSON
DIRECTOR	2.00	Yes (X)		$0	$0	$0
VICKI HEILMAN
DIRECTOR	2.00	Yes (X)		$0	$0	$0
DONNA MURDOCH
COO	40.00		Yes (X)	$38,468	$0	$57
BRIAN WALKER
CFO	40.00		Yes (X)	$124,475	$0	$261
DEBRA DRISCOLL
CLO	40.00		Yes (X)	$98,634	$0	$192
TORRIE RAMOS
CEO/PRESIDENT	40.00		Yes (X)	$366,496	$0	$0

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$628,073	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$510	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	2	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
FISERV
PO BOX 99924	GRAPEVINE	TX	76099	CORE DATA PROCESSING SERVICES	$966,155
LOCKTON TEXAS SE
DEPT 3036 PO BOX 123036	DALLAS	TX	75312	LOAN PORTFOLIO INSURANCE	$594,103
KAISER FOUNDATION HEALTH PLAN WA OPTION
PO BOX 745899	LOS ANGELES	CA	90074	EMPLOYEE HEALTH CARE	$339,318
PSCU
560 CARILLON PARKWAY	ST PETERSBURG	FL	33716	CREDIT CARD PROCESSING	$253,137
KASASA
PO BOX 527	LUBBOCK	TX	79408	WEBSITE/MARKETING	$175,240

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	5	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
LOAN INTEREST INCOME	522100	$7,105,320	$7,105,320
FEE INCOME	522100	$3,797,832	$3,778,253	$19,579

Field	Value	IRS element (for citing)
Total Program Service Revenue	$10,903,152	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$909,431	TotalRevenueColumnAmt
Exclusion	$909,431	ExclusionAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$2,528	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	-$2,528	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$2,528	TotalRevenueColumnAmt
Exclusion	-$2,528	ExclusionAmt

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	LIFE INSURANCE POLICY	Desc
Business	524113	BusinessCd
Total Revenue Column	$131,609	TotalRevenueColumnAmt
Related Or Exempt Func Income	$131,609	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$131,609	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$11,941,664	TotalRevenueColumnAmt
Related Or Exempt Func Income	$11,015,182	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$19,579	UnrelatedBusinessRevenueAmt
Exclusion	$906,903	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$5,844	TotalAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$12,000	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$628,073	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$2,442,882	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$156,450	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$251,084	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$236,484	TotalAmt

Fees For Services Management FeesForServicesManagementGrp

Field	Value	IRS element (for citing)
Total	$1,500	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$2,276	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$89,408	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$297,172	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$260,019	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$664,111	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$545,137	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$496,403	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$3,388	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$13,552	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$949,441	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$298,020	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$52,252	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
LOAN SERVICING EXPENSES	$955,911
PROVISION FOR LOAN LOSS	$125,000
COLLECTION EXPENSES	$69,818
MISCELLANEOUS EXPENSES	$54,080

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$46,813	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$8,657,118	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$931,017	BOYAmt
EOY	$1,329,020	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$44,467,423	BOYAmt
EOY	$40,665,022	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$632,894	BOYAmt
EOY	$922,368	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$155,777,937	BOYAmt
EOY	$164,867,712	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$249,773	BOYAmt
EOY	$201,154	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$9,210,559	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$4,102,058	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$5,208,893	BOYAmt
EOY	$5,108,501	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$47,674,529	BOYAmt
EOY	$76,538,818	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$10,160,158	BOYAmt
EOY	$10,103,845	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$265,102,624	BOYAmt
EOY	$299,736,440	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$2,461,587	BOYAmt
EOY	$2,640,250	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$232,655,079	BOYAmt
EOY	$265,368,377	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$235,116,666	BOYAmt
EOY	$268,008,627	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	$29,985,958	BOYAmt
EOY	$31,727,813	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$29,985,958	BOYAmt
EOY	$31,727,813	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$265,102,624	BOYAmt
EOY	$299,736,440	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$3,284,546	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$1,542,691	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	$1,579,599	OtherCostOrOtherBasisAmt
Book Value	$1,579,599	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$5,826,106	OtherCostOrOtherBasisAmt
Depreciation	$2,610,559	DepreciationAmt
Book Value	$3,215,547	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$289,521	OtherCostOrOtherBasisAmt
Depreciation	$285,177	DepreciationAmt
Book Value	$4,344	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,160,003	OtherCostOrOtherBasisAmt
Depreciation	$968,655	DepreciationAmt
Book Value	$191,348	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$355,330	OtherCostOrOtherBasisAmt
Depreciation	$237,667	DepreciationAmt
Book Value	$117,663	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$5,108,501	TotalBookValueLandBuildingsAmt

Closely Held Equity Interests CloselyHeldEquityInterestsGrp

Field	Value	IRS element (for citing)
Book Value	$111,096	BookValueAmt
Method Valuation	F	MethodValuationCd

Other Securities OtherSecuritiesGrp (2 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
AVAILABLE FOR SALE	$75,743,456	F
ALL OTHER INVESTMENTS	$684,266	F

Field	Value	IRS element (for citing)
Total Book Value Securities	$76,538,818	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDesc	AmtAmt
MEMBER SHARES AND DEPOSITS	$263,384,377
NON-MEMBER DEPOSITS	$1,984,000

Field	Value	IRS element (for citing)
Total Liability	$265,368,377	TotalLiabilityAmt

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (1)	GrantRecordsMaintainedInd

Recipient Table RecipientTable

Recipient Business Name RecipientBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	SALMON FOR SOLDIERS	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	41 E RHODODENDRON LN	AddressLine1Txt
City	UNION	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	98592	ZIPCd

Field	Value	IRS element (for citing)
Recipient EIN	464849556	RecipientEIN
Cash Grant	$5,844	CashGrantAmt
Non Cash Assistance	$0	NonCashAssistanceAmt
Purpose Of Grant	TO HELP OUR NATION'S VETERANS FEEL A SENSE OF NORMALCY, RELAXATION AND REDUCE STRESS BY CREATING NEW RELATIONSHIPS THROUGH FISHING.	PurposeOfGrantTxt

Field	Value	IRS element (for citing)
Total501c3 Org	1	Total501c3OrgCnt
Total Other Org	0	TotalOtherOrgCnt

Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp

Field	Value	IRS element (for citing)
Grant Type	COLLEGE SCHOLARSHIPS	GrantTypeTxt
Recipient	7	RecipientCnt
Cash Grant	$12,000	CashGrantAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2:	FormAndLineReferenceDesc
Explanation	ALL SCHOLARSHIP WINNERS MUST PROVIDE DETAILED INFORMATION REGARDING THE SCHOOL THEY WILL BE ATTENDING. A DESIGNATED CREDIT UNION STAFF MEMBER SENDS STUDENT INFO AND INSTRUCTIONS TO EACH SCHOOL ALONG WITH THE SCHOLARSHIP FUNDS.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Idemnification Gross Up Pmts	Yes (X)	IdemnificationGrossUpPmtsInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
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

Field	Value	IRS element (for citing)
Person	TORRIE RAMOS	PersonNm
Title	CEO/PRESIDENT	TitleTxt
Base Compensation Filing Org	$203,598	BaseCompensationFilingOrgAmt
Compensation Based On Rltd Orgs	$0	CompensationBasedOnRltdOrgsAmt
Bonus Filing Organization	$24,470	BonusFilingOrganizationAmount
Bonus Related Organizations	$0	BonusRelatedOrganizationsAmt
Other Compensation Filing Org	$138,428	OtherCompensationFilingOrgAmt
Other Compensation Rltd Orgs	$0	OtherCompensationRltdOrgsAmt
Deferred Compensation Flng Org	$0	DeferredCompensationFlngOrgAmt
Deferred Comp Rltd Orgs	$0	DeferredCompRltdOrgsAmt
Nontaxable Benefits Filing Org	$0	NontaxableBenefitsFilingOrgAmt
Nontaxable Benefits Rltd Orgs	$0	NontaxableBenefitsRltdOrgsAmt
Total Compensation Filing Org	$366,496	TotalCompensationFilingOrgAmt
Total Compensation Rltd Orgs	$0	TotalCompensationRltdOrgsAmt
Comp Report Prior990 Filing Org	$0	CompReportPrior990FilingOrgAmt
Comp Report Prior990 Rltd Orgs	$0	CompReportPrior990RltdOrgsAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 1A	FormAndLineReferenceDesc
Explanation	TORRIE RAMOS, PRESIDENT AND CEO, RECEIVED A LIFE INSURANCE POLICY WHERE THE PREMIUM WAS PAID FOR BY THE CREDIT UNION. TORRIE'S WAGES WERE GROSSED-UP TO COVER FEDERAL INCOME TAXES.	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART I, LINE 6	ASSOCIATE BOARD MEMBERS ARE NON-VOTING, NON-ELECTED VOLUNTEERS THAT ATTEND BOARD MEETINGS AND OFFER GUIDANCE. SUPERVISORY COMMITTEE MEMBERS ARE VOLUNTEERS THAT PERFORM THE DUTIES OF THE SUPERVISORY COMMITTEE, IN ACCORDANCE WITH THE LAWS OF OUR LAND.
FORM 990, PART VI, SECTION A, LINE 2	GARY HEILMAN AND VICKI HEILMAN ARE MARRIED.
FORM 990, PART VI, SECTION A, LINE 6	CREDIT UNION MEMBERS ARE MEMBERS OF A FINANCIAL COOPERATIVE. EACH DEPOSITOR IS REQUIRED TO BE A MEMBER.
FORM 990, PART VI, SECTION A, LINE 7A	CREDIT UNION MEMBERS ELECT MEMBERS TO THE BOARD OF DIRECTORS AT THE ANNUAL MEETING.
FORM 990, PART VI, SECTION B, LINE 11B	FORM 990 IS REVIEWED BY THE CEO AND CFO BEFORE BEING FILED WITH THE IRS.
FORM 990, PART VI, SECTION B, LINE 12C	BOARD MEMBERS SIGN AN ANNUAL CONFLICT OF INTEREST STATEMENT, WHICH DEFINES FIDUCIARY DUTY. MANAGEMENT REVIEWS ALL VENDORS FOR POTENTIAL OWNERSHIP INTEREST BY BOARD MEMBERS OR RELATED PARTIES AS PART OF THE VENDOR APPROVAL PROCESS. NO DIRECTOR, COMMITTEE MEMBER, OFFICER, OR EMPLOYEE OF THE CREDIT UNION MAY HAVE A FINANCIAL 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 HIS OR HER 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	INDUSTRY BENCHMARK STANDARDS AS PROVIDED BY THIRD PARTY COMPENSATION CONSULTANTS ARE USED ANNUALLY IN DETERMINING SENIOR MANAGEMENT COMPENSATION LEVELS. CEO SETS OFFICER SALARIES BASED ON INDUSTRY SURVEY AND PEER COMPARISON; BOARD OF DIRECTORS APPROVES RANGES.
FORM 990, PART VI, SECTION C, LINE 19	THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE TO MEMBERS AND OTHER INTERESTED PARTIES OF THE PUBLIC UPON REQUEST.