2021-11-12T10:32:01-06:00 2020-12-31 410746749 CLIFTONLARSONALLEN LLP 801 CHERRY ST SUITE 1400 FORT WORTH TX 76102 990 2020-01-01 640851798 HOPE ENTERPRISE CORPORATION HOPE 6019441100 4 OLD RIVER PLACE NO A JACKSON MS 39202 ALAN BRANSON CFO 6019441100 2021-11-03 1 ALAN BRANSON 999009999 MICHAELA J CROMAR CPA P00895728 8178775000 2021-11-03 2 AAL1 IAL1 2020 2022-09-23 18:48:47Z WILLIAM BYNUM 4 OLD RIVER PLACE NO A JACKSON MS 39202 48584038 0 X WWW.HOPE-EC.ORG X 1993 MS PROVIDING ACCESS TO QUALITY FINANCIAL PRODUCTS/SERVICES. 15 15 269 15 0 0 11746741 37689400 3566946 5631546 730942 674646 0 -558154 16044629 43437438 497908 155209 0 0 4356479 4551957 0 0 422228 10964921 11826365 15819308 16533531 225321 26903907 55074450 166071920 29608550 112948658 25465900 53123262 X TO STRENGTHEN COMMUNITIES AND IMPROVE LIVES IN ECONOMICALLY DISTRESSED AREAS OF THE MID SOUTH BY PROVIDING ACCESS TO QUALITY FINANCIAL PRODUCTS AND SERVICES. 0 0 8713936 155209 3686446 DEVELOPMENT FINANCE SPECIALIZES IN LOANS TO SMALL TO MEDIUM SIZED MANUFACTURING AND SERVICE BUSINESSES. 2154157 1852710 OTHER PROGRAM SERVICES: REGIONAL DEVELOPMENT OF SYSTEMS AND ORGANIZATIONS TO IMPROVE HOUSING, COMMUNICATIONS, WORKFORCE TRAINING, GENERAL BUSINESS DEVELOPMENT AND ACCESS TO CAPITAL. 814897 TECHNICAL ASSISTANCE TO SMALL AND MEDIUM SIZED MANUFACTURING AND SERVICE BUSINESSES IN THE AREA OF MANAGEMENT CONSULTING IN THE AREAS OF IMPROVEMENTS OF PROCESSES AND SYSTEMS. 557368 92390 HOUSING INITIATIVE PROVIDES FINANCE FOR AFFORDABLE HOUSING TO FAMILIES. 557368 92390 12240358 1 1 0 1 0 0 0 0 0 0 1 1 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 1 0 1 43 0 1 269 1 0 0 0 0 0 0 0 0 0 0 0 0 X 15 15 0 0 0 0 0 0 0 1 1 0 0 0 1 1 1 1 1 1 1 1 1 MS AR LA TN X FELICIA MYERS 6019441100 4 OLD RIVER PLACE JACKSON MS 39202 MIKE ESPY CHAIR 0.04 X X 0 0 0 IVYE ALLEN SECRETARY 0.04 0.25 X X 0 0 0 CLAIBORNE BARKSDALE DIRECTOR 0.04 X 0 0 0 CAROLYN JEFFERSON DIRECTOR 0.04 X 0 0 0 RONNIE CRUDUP DIRECTOR 0.04 0.08 X 0 0 0 ROBERT GIBBS DIRECTOR 0.04 0.25 X 0 0 0 MAURICE JONES DIRECTOR 0.04 X 0 0 0 FRED MILLER DIRECTOR 0.04 X 0 0 0 MARTHA MURPHY DIRECTOR 0.04 X 0 0 0 JEFFREY NOLAN DIRECTOR 0.04 X 0 0 0 BILLY PERCY DIRECTOR 0.04 0.25 X 0 0 0 SUSANNAH CARRIER DIRECTOR 0.04 X 0 0 0 DAN LETENDRE DIRECTOR 0.04 X 0 0 0 ALEX WISE DIRECTOR 0.04 X 0 0 0 BLANCHE LINCOLN DIRECTOR 0.04 X 0 0 0 ANN MARIE BURGOYNE DIRECTOR 0.04 X 0 0 0 WILLIAM BYNUM PRESIDENT/CEO 36.02 12.06 X 418071 0 21718 ALAN BRANSON CFO/EVP/TREASURER/ASST. SEC. 28.36 20.23 X 199489 0 25051 EDWARD D SIVAK JR EXECUTIVE VP/CHIEF POLICY 43.79 6.17 X 152842 0 18646 KIMBERLA LITTLE CHIEF HUMAN ASSETS OFFICER 20.31 19.69 X 131088 0 15891 PEARL WICKS COO/EVP 19.33 20.73 X 130056 0 25188 1031546 0 106494 5 0 1 0 HATCHWAY VENTURES LLC 3100 OLD CANTON RD STE 200 JACKSON MS 39216 INVESTMENT SERVICES 338157 STRATEGIC DEVELOPMENT SOLUTIONS LLC 1281 WESTWOOD BLVD STE 200 LOS ANGELES CA 90024 FINANCIAL MANAGEMENT 269275 DESIGN BUILD SOLUTIONS PO BOX 384 GREENWOOD MS 38930 CONSULTING 237852 CLIFTONLARSONALLEN LLP PO BOX 679334 DALLAS TX 75267 ACCOUNTING 186078 4 37689400 37689400 LOAN FEES AND OTHER REVENUE 525990 4709403 4709403 INTEREST INCOME ON LOANS 525990 922143 922143 5631546 661943 661943 5159303 5146600 12703 12703 12703 MISCELLANEOUS LOSS 900099 -57 -57 LOSS ON CLOSING-OUT AN AFFILIATE 900099 -558097 -558097 -558154 43437438 5631546 0 116492 X 155209 155209 1138040 491971 548333 97736 2775813 1607762 991342 176709 80293 47363 27556 5374 306168 174643 108602 22923 251643 135862 98065 17716 10607 3685 6922 187380 187380 118782 118782 53361 38375 14986 2034099 1927933 102919 3247 139579 83559 50664 5356 565112 232952 303061 29099 805745 451792 297814 56139 86542 53233 30916 2393 15550 6843 8123 584 439772 102809 336963 370551 370551 148434 10548 137886 HFCU OPERATIONAL SUPPOR 5677500 5677500 FORGIVABLE LOAN EXPENSE 433458 433458 SERVICE FEES 399183 287628 108840 2715 MISCELLANEOUS 239953 141427 98526 100757 57024 41496 2237 16533531 12240358 3870945 422228 4771308 24017472 1102318 6581600 3066563 1462949 54481 30949 12214309 92809838 292319 282001 7410290 5530216 2060379 1880074 26315535 33700478 5197238 5306559 55074450 166071920 1485500 1844315 2125566 1124729 22431483 106122143 3566001 3857471 29608550 112948658 X 6040750 33634251 19425150 19489011 25465900 53123262 55074450 166071920 26903907 433901 319554 0 X 0 1 X 1 1 1 X 15668388 18236826 13239558 11746741 37689400 96580913 824100 2534394 2325702 3566946 5631546 14882688 16492488 20771220 15565260 15313687 43320946 111463601 3234578 838618 4024760 2571930 10669886 151727 755088 925854 607560 2440229 151727 3989666 1764472 4632320 2571930 13110115 98353486 251835 329633 527945 763568 661943 2534924 251835 329633 527945 763568 661943 2534924 164381 308 44981 -558154 -348484 16908704 21101161 16138186 16077255 43424735 113650041 0.86540 0.82680 0.02230 0.02230 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 118782 118782 16414749 16533531 976677 244169 0 0 1000000 929060 945657 976677 3851394 5777091 34366 152455 135393 118782 440996 250000 232265 236414 244169 962848 1444272 2004386 652214 1352172 23269 22138 1131 4518109 4172764 345345 864526 683100 181426 1880074 COMM CREDIT UNION 12500000 C INVESTMENT SECURITIES 21200478 C 33700478 DUE TO AFFILIATES 3857471 3857471 X PART X, LINE 2: POTENTIAL EXPOSURE INVOLVING TAX POSITIONS TAKEN THAT MAY BE CHALLENGED BY TAXING AUTHORITIES CONTAIN ASSUMPTIONS BASED UPON PAST EXPERIENCES AND JUDGMENTS ABOUT POTENTIAL ACTIONS BY TAXING JURISDICTIONS. MANAGEMENT DOES NOT BELIEVE THAT THE ULTIMATE SETTLEMENT OF THESE ITEMS WILL RESULT IN A MATERIAL AMOUNT. WITH MINIMUM EXCEPTIONS, THE COMPANY IS NO LONGER SUBJECT TO INCOME TAX EXAMINATION PRIOR TO 2017. 0 HOPE FEDERAL CREDIT UNION 4 OLD RIVER PLACE SUITE A JACKSON MS 39202 640865228 501(C)(1) 50000 DEVELOPMENT FINANCE SPECIALIZING IN LOANS TO SMALL TO MEDIUM SIZED MANUFACTORING AND SERVICE BUSINESSES. MARKETFARE 135 ROBERT E LEE BLVD NEW ORLEANS LA 70124 721446044 100000 DEVELOPMENT FINANCE SPECIALIZING IN LOANS TO SMALL TO MEDIUM SIZED MANUFACTORING AND SERVICE BUSINESSES. 1 1 X 0 0 0 0 0 0 0 0 0 WILLIAM BYNUM PRESIDENT/CEO 415147 0 0 0 2924 0 11032 0 10686 0 439789 0 0 0 ALAN BRANSON CFO/EVP/TREASURER/ASST. SEC. 197776 0 0 0 1713 0 8188 0 16863 0 224540 0 0 0 EDWARD D SIVAK JR EXECUTIVE VP/CHIEF POLICY 152405 0 0 0 437 0 6248 0 12398 0 171488 0 0 0 PEARL WICKS COO/EVP 128981 0 0 0 1075 0 4128 0 21060 0 155244 0 0 0 FORM 990, PART VI, SECTION A, LINE 1 EXECUTIVE AND GOVERNANCE COMMITTEE MAY EXERCISE THE AUTHORITY OF THE BOARD OF DIRECTORS TO THE EXTENT SPECIFIED BY THE BOARD OF DIRECTORS. A COMMITTEE MAY NOT, HOWEVER, AUTHORIZE DISTRIBUTIONS; APPROVE OR RECOMMEND DISSOLUTION, MERGER OR THE SALE, PLEDGE OR TRANSFER OF ALL OR SUBSTANTIALLY ALL OF THE CORPORATION'S ASSETS; ELECT, APPOINT OR REMOVE DIRECTORS OR FILL VACANCIES ON THE BOARD OF DIRECTORS OR ON ANY OF ITS COMMITTEES; OR ADOPT, AMEND, OR REPEAL THE ARTICLES OF INCORPORATION OR BYLAWS. FORM 990, PART VI, SECTION B, LINE 11B THE GOVERNING BODY DOES NOT REVIEW THE 990 BEFORE FILING. HOWEVER, IT IS REVIEWED BY THE CONTROLLER AND CFO. FORM 990, PART VI, SECTION B, LINE 12C EACH DIRECTOR, OFFICER, AND EMPLOYEE SHALL SIGN ANNUALLY A STATEMENT WHICH AFFIRMS THAT SUCH PERSON HAS RECEIVED A COPY OF THIS CONFLICTS OF INTEREST POLICY, HAS READ AND UNDERSTANDS THE POLICY AND HAS AGREED TO COMPLY WITH THIS POLICY. IT IS REVIEWED BY HUMAN ASSETS, LEGAL AND COMPLIANCE WHEN CONFLICTS OF INTEREST (PERCEIVED OR POTENTIAL) ARE DISCLOSED BY THE INDIVIDUAL. UPON THE FIRST KNOWLEDGE BY AN INTERESTED PERSON THAT THE ORGANIZATION IS CONSIDERING OR HAS CONSIDERED A TRANSACTION OR ARRANGEMENT WITH A TRANSACTION ENTITY OR INDIVIDUAL WITH WHICH THE INTERESTED PERSON HAS AN INTEREST, THE INTERESTED PERSON MUST DISCLOSE THE EXISTENCE AND NATURE OF HIS OR HER INTEREST TO THE PRESIDENT OR CHAIRMAN OF THE BOARD OF DIRECTORS. AFTER DISCLOSURE OF THE INTEREST, THE INTERESTED PERSON MAY NOT PARTICIPATE IN CONSIDERATION OF THE PROPOSED TRANSACTION OR ARRANGEMENT AND SHALL NOT BE PRESENT FOR THE CONSIDERATION OF OR VOTE ON SUCH TRANSACTION UNLESS THE PRESIDENT REQUESTS INFORMATION OR INTERPRETATION FROM THE INTERESTED PERSON. THE PRESIDENT SHALL THEN DETERMINE OR REFER TO THE CHAIRMAN OF THE BOARD AND/OR THE BOARD FOR DETERMINATION OF WHETHER THE TRANSACTION OR ARRANGEMENT IS IN HEC'S BEST INTERESTS AND IS FAIR AND REASONABLE TO HEC AND SHALL MAKE A DECISION WHETHER TO ENTER INTO THE TRANSACTION OR ARRANGEMENT IN ACCORDANCE WITH SUCH DETERMINATION. WHEN THE PRESIDENT, CHAIRMAN OF THE BOARD OR THE BOARD MAKE A DETERMINATION AND DECISION ON THE INTEREST OF AN INTERESTED PERSON, THE MINUTES SHALL CONTAIN THE NAMES OF THE INTERESTED PERSON(S) WHO DISCLOSED OR OTHERWISE WERE FOUND TO HAVE AN INTEREST, THE NATURE OF THE INTEREST, A RECORD OF ANY DETERMINATION AS TO WHETHER A TRANSACTION OR ARRANGEMENT WAS IN THE BEST INTERESTS OF AND FAIR AND REASONABLE TO HEC AND THE NAMES OF THE PERSONS WHO WERE PRESENT FOR THE DISCUSSIONS ON THE TRANSACTION OR ARRANGEMENT AND A RECORD OF ANY VOTES TAKEN IN CONNECTION THEREWITH. IF THE PRESIDENT, CHAIRMAN OF THE BOARD OR THE BOARD HAS REASONABLE CAUSE TO BELIEVE AN INTERESTED PERSON HAS FAILED TO DISCLOSE AN ACTUAL OR POSSIBLE INTEREST, HE, SHE OR THEY SHALL INFORM THE INTERESTED PERSON OF THE BASIS FOR SUCH BELIEF AND AFFORD THE INTERESTED PERSON AN OPPORTUNITY TO EXPLAIN THE ALLEGED FAILURE TO DISCLOSE. IF AFTER HEARING THE RESPONSE OF THE INTERESTED PERSON AND MAKING SUCH INVESTIGATION AS MAY BE WARRANTED IN THE CIRCUMSTANCES, THE PRESIDENT, THE CHAIRMAN OF THE BOARD OR THE BOARD SHALL TAKE APPROPRIATE DISCIPLINARY AND CORRECTIVE ACTION. FORM 990, PART VI, SECTION B, LINE 15 ORGANIZATION'S SALARY ADMINISTRATION PROCESS IS OUTSOURCED TO GALLAGHER CONSULTING FIRM. ORGANIZATION WENT THROUGH A SALARY ANALYSIS WITH GALLAGHER CONSULTING FIRM IN 2018 WHERE ALL 91 HOPE JOBS WERE BENCHMARKED. THE FOLLOWING SOURCES WERE USED: AMERICAN BANKERS ASSOCIATION 2017 NATIONAL COMPENSATION SURVEYS; COMPANALYST,JOB ANALYZER 2018 NATIONAL COMPENSATION DATABASE; COMPDATA BENCHMARK SURVEYS 2017; CROWE HORWATH LLP FINANCIAL INSTITUTIONS COMPENSATION SURVEY 2016; CUES EXECUTIVE COMPENSATION SURVEY 2017, CREDIT UNION NATIONAL ASSOCIATION STAFF REPORT 2015-2016; ECONOMIC RESEARCH INSTITUTE 2018 NATIONAL COMPENSATION SUBSCRIPTION DATABASE; LOUISIANA CREDIT UNION LEAGUE & MISSISSIPPI CREDIT UNION ASSOCIATION 2018 COMPENSATION SURVEY; MANAGEMENT COMPENSATION REPORT FOR NOTFORPROFIT ORGANIZATIONS (PRM CONSULTING) 2017; MERCER BENCHMARK REPORT 2017; NAFCU COMPENSATION AND BENEFITS SURVEY 2018, NONPROFIT ORGANIZATIONS SALARY AND BENEFITS REPORT 2016; WILLIS TOWERS WATSON SALARY SURVEY 2017. USING THE SOURCES ABOVE EACH EXECUTIVE LEVEL JOB WAS COMPARED BASED ON THE FOLLOWING CRITERIA: JOB GROUP - ALL HOPE EXECUTIVE VICE PRESIDENT ROLES AND CREDIT UNIONS AND CDFI'S. INDUSTRIES/BUSINESS SECTOR - NONPROFITS, CREDIT UNIONS, CDFI'S. GEOGRAPHICAL REGION - NATIONAL. SIZE OF BUDGET, SCOPE, STAFF, SIZE - $400 MILLION IN ASSETS AND APPROXIMATELY 250 EMPLOYEES. MARKET POSITIONING - MEDIAN (50TH PERCENTILE). USING THE SOURCES ABOVE EACH SENIOR LEADERSHIP JOB WAS COMPARED BASED ON THE FOLLOWING CRITERIA: JOB GROUP - ALL HOPE SENIOR LEADERSHIP ROLES INCLUDING SVP'S AND VP'S. INDUSTRIES/BUSINESS SECTOR - NONPROFITS, CREDIT UNIONS, CDFI'S. GEOGRAPHICAL REGION - SOUTHEST REGION. SIZE OF BUDGET, SCOPE, STAFF, SIZE - $400 MILLION IN ASSETS AND APPROXIMATELY 250 EMPLOYEES. MARKET POSITIONING - MEDIAN (50TH PERCENTILE). ORGANIZATION CONTINUES TO USE GALLAGHER CONSULTING FIRM FOR COMPENSATION DATA FOR ALL NEWLY CREATED ROLES. FORM 990, PART VI, SECTION C, LINE 19 THE ORGAINZATION CAN BE CONTACTED DIRECTLY IN ORDER TO REQUEST ANY OF THE NAMED DOCUMENTS. FORM 990, PART IX, LINE 11G CONTRACT SERVICES CONSULTANTS: PROGRAM SERVICE EXPENSES 1,927,933. MANAGEMENT AND GENERAL EXPENSES 102,919. FUNDRAISING EXPENSES 3,247. TOTAL EXPENSES 2,034,099. 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