2021-11-22T16:21:50-06:00 2020-12-31 382492570 DOEREN MAYHEW 12060 SW 129 CT STE 201 MIAMI FL 33186 990 2020-05-01 860096740 DESERT FINANCIAL CREDIT UNION DESE 6024337000 148 NORTH 48TH STREET PHOENIX AZ 85034 JEFFREY D MESHEY CEO 6024337000 2021-11-22 1 JEFFREY MESHEY 999009999 DOUGLAS J ORTH P01076394 3052328272 0 AAL1 IAL1 2020 2022-09-23 18:48:47Z X X JEFFREY D MESHEY 148 NORTH 48TH STREET PHOENIX AZ 85034 219697419 0 X WWW.DESERTFINANCIAL.COM X 1939 AZ AT DESERT FINANCIAL, RELATIONSHIPS DRIVE SUCCESS. WE SHARE OUR FINANCIAL SUCCESS BECAUSE WE BELIEVE IT'S THE RIGHT THING TO DO FOR OUR MEMBERS, OUR COMMUNITY AND OUR TEAM. 9 9 1158 16 2285517 6154 0 163605363 46222288 8168513 217996164 849740 0 72713611 0 0 113550020 187113371 30882793 5695713138 6637949766 4979546200 5878096284 716166938 759853482 AT DESERT FINANCIAL, RELATIONSHIPS DRIVE SUCCESS. WE SHARE OUR FINANCIAL SUCCESS BECAUSE WE BELIEVE IT'S THE RIGHT THING TO DO FOR OUR MEMBERS, OUR COMMUNITY AND OUR TEAM. 0 0 INCOME FROM THE CREDIT UNION MEMBERSHIP AND FROM THE INVESTMENT OF MEMBERS' FUNDS PROVIDE THE FOUNDATION FROM WHICH THE ORGANIZATION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP. 0 0 0 0 0 0 0 0 0 1 0 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 1 1 0 0 1 165134 0 1 1158 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 DESERT FINANCIAL CREDIT UNION 6024337000 148 NORTH 48TH STREET PHOENIX AZ 85034 LAURA WATSON CHAIRPERSON 1.00 X 0 0 0 JANET BIOLETTO VICE CHAIRPERSON 1.00 X 0 0 0 MICHAEL KONEN TREASURER 1.00 X 0 0 0 JEFFREY SMITH SECRETARY 1.00 X 0 0 0 MATTHEW FEHLING DIRECTOR 1.00 X 0 0 0 CLAUDETTE GRONSKI DIRECTOR 1.00 X 0 0 0 KEVIN HASKEW DIRECTOR 1.00 X 0 0 0 RICHARD JOHNSON DIRECTOR 1.00 X 0 0 0 CHRIS MINER DIRECTOR 1.00 X 0 0 0 JEFFREY D MESHEY CEO 40.00 X 544902 0 14900 JEFFREY S BUTLER CEO-SWITCHTHINK SOLUTIONS 1.00 40.00 X 353191 0 11787 RONDLE K AMSTUTZ EXECUTIVE VP 40.00 X 278132 0 16526 CATHLEEN GRAHAM EXECUTIVE VP 40.00 X 254800 0 8134 GARY SNEED SVP CHIEF LENDING OFFICER 40.00 X 222090 0 13022 STEPHEN H JORDAN SVP CHIEF FINANCIAL OFFICER 40.00 X 220295 0 8629 PARKER RONALD H CHIEF OPS OFC-ST 40.00 X 186550 0 15529 JACKIE L BIGGS JR VP, FINANCE 40.00 X 178139 0 12668 SARA K REGAN SVP RISK & GEN COUNSEL 40.00 X 181886 0 18209 PAUL WINTERMANTEL FINANCIAL ADVISOR II 40.00 X 240005 0 13962 THOMAS MARLOWE SVP BACK OFFICE OPS 40.00 X 178505 0 10576 2838495 0 143942 182 0 1 0 ANDERSON MOSS LLC DBA ANDERSON ADVERTIS 5800 EAST THOMAS RD 100 SCOTTSDALE AZ 85251 MARKETING 2273795 ARIZONA STATE UNIVERSITY PO BOX 875011 TEMPE AZ 85287 MARKETING & RESEARCH 1559250 FISERV INC PO BOX 208457 DALLAS TX 75320 MONEY MANAGEMENT SERVICES 1292521 ALKAMI TECHNOLOGY INC DEPT 2223 PO BOX 122223 DALLAS TX 75312 DIGITAL BANKING PLATFORM 1292521 MARICOPA COUNTY TREASURER PO BOX 52133 PHOENIX AZ 85072 TAXING AUTHORITY 1197461 89 FEES & OTHER OPERATING INCOME 522100 100457588 100457588 LOAN & LEASE INCOME 522100 60862258 60862258 PROFESSIONAL, SCIENTIFIC, AND TEC 540000 1249602 1249602 FINANCE & INSURANCE 520000 1035915 1035915 163605363 45495250 45495250 942024 823111 118913 118913 118913 1605182 878144 727038 727038 727038 NON-OPERATING INCOME 522100 7310474 7310474 MISCELLANEOUS INCOME 522100 739126 739126 8049600 217996164 170215397 2285517 45495250 X 849740 1946408 60037547 5437433 1534731 3757492 597551 247910 8837252 7980994 3996787 18691245 5049515 23651 514622 21620683 625098 6532173 5252317 DEBIT CARD/ATM 9572760 PROVISION FOR LOAN LOSS 8145090 REPAIRS & MAINTENANCE 7926105 LOAN SERVICING 6302558 1633709 187113371 7954827 7821509 62602842 551041176 34949416 7282628 2305490824 2333705049 8434320 5990591 161536600 88674539 70903203 72862061 3016229240 3457129670 17270000 17270000 150000 150000 171728466 184697082 5695713138 6637949766 68034651 71013571 200000000 205000000 4711511549 5602082713 4979546200 5878096284 X 0 0 0 0 716166938 759853482 716166938 759853482 5695713138 6637949766 X 30882793 11894544 909207 X X 0 1 X 1 0 21371278 21371278 61187293 29711270 31476023 12965505 9753656 3211849 62436507 46880746 15555761 3576017 2328867 1247150 72862061 MEMBER SHARES 5599005794 POST-RETIREMENT HEALTHCARE LIABILITY 3076919 5602082713 X PART X, LINE 2: THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL INCOME TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE (IRC) AND STATE TAX LAWS. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME DERIVED BY STATE-CHARTERED CREDIT UNIONS. GENERALLY, THESE TAXES ARE INSIGNIFICANT TO THE CREDIT UNION. 1 PROJECT CURE 2100 W 14TH ST TEMPE AZ 85281 841568566 501(C)(3) 5270 CORPORATE GIVING KRIM COMMUNITY RADIO 1104 S BEELINE HWY STE A PAYSON AZ 85541 300053320 501(C)(3) 6000 SPONSORSHIP FIESTA BOWL 7135 E CAMELBACK RD 190 SCOTTSDALE AZ 85251 860253821 501(C)(3) 6180 SPONSORSHIP ARIZONA DIAMONDBACKS FOUNDATION 401 E JEFFERSON ST PHOENIX AZ 85004 860901615 501(C)(3) 6500 CHARITABLE EVENT SPONSORSHIP CHILDREN'S MUSEUM OF PHOENIX 215 N 7TH ST PHOENIX AZ 85034 860934323 501(C)(3) 7070 CORPORATE GIVING ARIZONA HELPING HANDS 3110 THUNDERBIRD RD 100 PHOENIX AZ 85032 860935988 501(C)(3) 7500 COVID-19,GRANT HOPE COMMUNITY SERVICES 13760 N 93RD AVE STE 101 PEORIA AZ 85381 860589516 501(C)(3) 7500 COVID-19,GRANT HOUSE OF REFUGE 6935 E WILLIAMS FIELD RD MESA AZ 85212 860662244 501(C)(3) 7500 COVID-19,GRANT SAVE THE FAMILY 125 E UNIVERSITY DR MESA AZ 85201 860665712 501(C)(3) 7500 COVID-19,GRANT WESLEY COMMUNITY CENTER 1300 S 10TH ST PHOENIX AZ 85034 860133770 501(C)(3) 7500 COVID-19,GRANT YWCA METROPOLITAN PHOENIX - MEALS ON WHEELS MEALS ON WHEELS 8561 N 61ST AVE GLENDALE AZ 85302 860098936 501(C)(3) 7500 COVID-19,GRANT SAARC 300 N 18TH ST PHOENIX AZ 85006 311496646 501(C)(3) 7970 CORPORATE GIVING ALICE COOPER'S SOLID ROCK 13625 N 32ND ST PHOENIX AZ 85032 860808609 501(C)(3) 10000 CHARITABLE EVENT SPONSORSHIP ARIZONA ANIMAL WELFARE LEAGUE 25 N 40TH ST PHOENIX AZ 85034 237149453 501(C)(3) 10000 RANDOM ACTS OF KINDNESS ARIZONA HELPING HANDS 3110 THUNDERBIRD RD 100 PHOENIX AZ 85032 860935988 501(C)(3) 10000 CORPORATE GIVING ASSOCIATION FOR SUPPORTIVE CHILDCARE 8222 S 48TH ST STE 120 PHOENIX AZ 85044 860332919 501(C)(3) 10000 CORPORATE GIVING BILLY'S PLACE 21448 N 75TH AVE STE 5 GLENDALE AZ 85308 461308048 501(C)(3) 10000 CORPORATE GIVING BOYS & GIRLS CLUB OF THE VALLEY 4309 E BELLEVIEW ST BLD 14 PHOENIX AZ 85008 860550646 501(C)(3) 10000 CORPORATE GIVING CHRYSALIS 2055 W NORTHERN AVE PHOENIX AZ 85021 860447620 501(C)(3) 10000 CORPORATE GIVING DUET PARTNERS IN HEALTH AND AGING 10000 N 31ST AVE STE D200 PHOENIX AZ 85051 742370522 501(C)(3) 10000 CORPORATE GIVING EARN TO LEARN 4803 E 5TH ST STE 215 TUCSON AZ 85711 261151754 501(C)(3) 10000 CORPORATE GIVING HOPE COMMUNITY SERVICES 13760 N 93RD AVE STE 101 PEORIA AZ 85381 860589516 501(C)(3) 10000 CORPORATE GIVING MARICOPA COUNTY REGIONAL SCHOOL DISTRICT 509 4041 N CENTRAL AVE 1200 PHOENIX AZ 85012 866000477 501(C)(3) 10000 CORPORATE GIVING NATIVE AMERICAN CONNECTIONS 4520 N CENTRAL STE 600 PHOENIX AZ 85012 860293585 501(C)(3) 10000 COVID-19,GRANT NATIVE AMERICAN CONNECTIONS 4520 N CENTRAL STE 600 PHOENIX AZ 85012 860293585 501(C)(3) 10000 CORPORATE GIVING NORTHERN ARIZONA HEALTHCARE FOUNDATION 1030 N SAN FRANCISCO ST STE 130 FLAGSTAFF AZ 86001 813137336 501(C)(3) 10000 COVID-19 PHOENIX CHILDREN'S HOSPITAL FOUNDATION 2929 E CAMELBACK RD 122 PHOENIX AZ 85016 742421549 501(C)(3) 10000 SPONSORSHIP PLAYWORKS 638 3RD ST OAKLAND CA 94607 943251867 501(C)(3) 10000 CORPORATE GIVING SOUTHWEST WILDLIFE CONSERVATION CENTER PMB115 8711 E PINNACLE PEAK RD SCOTTSDALE AZ 85255 860765249 501(C)(3) 10000 RAK ST JOSEPH THE WORKER PO BOX 13503 PHOENIX AZ 85002 860600437 501(C)(3) 10000 IN-KIND DONATION US VETS 3 506 N CENTRAL AVE STE 302 PHOENIX AZ 85012 954382752 501(C)(3) 10000 COVID-19,GRANT VITALANT 6210 E OAK ST SCOTTSDALE AZ 85257 860098929 501(C)(3) 10000 CORPORATE GIVING WILDFIRE IGNITING COMMUNITY ACTION TO END POVERTY IN ARIZONA 340 E PALM LN STE 315 PHOENIX AZ 85004 860311619 501(C)(3) 10000 COVID-19,GRANT PACKAGES FROM HOME 5643 N 52ND AVE GLENDALE AZ 85301 201124013 501(C)(3) 10270 CORPORATE GIVING A NEW LEAF 2245 W ELLA STREET MESA AZ 85201 860256667 501(C)(3) 12500 COVID-19,GRANT ST VINCENT DE PAUL PO BOX 13600 PHOENIX AZ 85002 860096789 501(C)(3) 12500 COVID-19,GRANT NORTHERN ARIZONA HEALTHCARE FOUNDATION 1030 N SAN FRANCISCO ST STE 130 FLAGSTAFF AZ 86001 813137336 501(C)(3) 13000 COVID-19 GABRIEL'S ANGELS 727 E BETHANY HOME RD STE C-100 PHOENIX AZ 85014 860991198 501(C)(3) 13770 CORPORATE GIVING BOYS & GIRLS CLUB OF THE VALLEY 4309 E BELLEVIEW ST BLD 14 PHOENIX AZ 85008 860550646 501(C)(3) 15000 SPONSORSHIP EVIT FOUNDATION 1601 W MAIN ST MESA AZ 85201 860953896 501(C)(3) 15000 COVID-19,GRANT NATIVE AMERICAN CONNECTIONS 4520 N CENTRAL STE 600 PHOENIX AZ 85012 860293585 501(C)(3) 15000 GRANT WEST-MEC ALLIANCE 5035 W CAMELBACK RD PHOENIX AZ 85031 271338556 501(C)(3) 15000 GRANT ST JOSEPH THE WORKER PO BOX 13503 PHOENIX AZ 85002 860600437 501(C)(3) 15000 GRANT YWCA METROPOLITAN PHOENIX - MEALS ON WHEELS 8561 N 61ST AVE GLENDALE AZ 85302 860098936 501(C)(3) 17570 CORPORATE GIVING LAPTOPS 4 LEARNING 2320 E BASELINE RD STE 148-117 PHOENIX AZ 85042 812833038 501(C)(3) 20000 DRIVE MEETING PHOENIX CHILDREN'S HOSPITAL FOUNDATION 2929 E CAMELBACK RD 122 PHOENIX AZ 85016 742421549 501(C)(3) 20000 CHARITABLE EVENT SPONSORSHIP AMERICAN RED CROSS 4747 N 22ND ST 100 PHOENIX AZ 85016 530196605 501(C)(3) 25000 COVID-19,GRANT FREE ARTS FOR ABUSED CHILDREN OF ARIZONA 352 E CAMELBACK RD STE 101 PHOENIX AZ 85014 860739613 501(C)(3) 25000 SMT BOARD DONATION NORTHERN ARIZONA HEALTHCARE FOUNDATION 1030 N SAN FRANCISCO ST STE 130 FLAGSTAFF AZ 86001 813137336 501(C)(3) 30000 COVID-19 ARIZONA EDUCATIONAL FOUNDATION 2100 N CENTRAL AVE STE 212 PHOENIX AZ 85004 942937109 501(C)(3) 35000 BOARD DONATION BETTER BUSINESS BUREAU OF CENTRAL NORTHERN ARIZONA 1010 E MISSOURI AVE PHOENIX AZ 85014 942860635 501(C)(3) 40000 COVID-19,GRANT PHOENIX CHILDREN'S HOSPITAL FOUNDATION 2929 E CAMELBACK RD 122 PHOENIX AZ 85016 742421549 501(C)(3) 40600 CHARITABLE EVENT SPONSORSHIP LAPTOPS 4 LEARNING 2320 E BASELINE RD STE 148-117 PHOENIX AZ 85042 812833038 501(C)(3) 45540 DRIVE MEETING ST MARY'S FOOD BANK 2831 N 31ST AVE PHOENIX AZ 85009 237353532 501(C)(3) 100000 RAK ASSISTANCE LEAGUE OF FLAGSTAFF PO BOX 3297 FLAGSTAFF AZ 86003 830371898 501(C)(3) 10000 RAK COLLEGE SUCCESS ARIZONA 4747 N 32ND ST STE 150 PHOENIX AZ 85018 203667550 501(C)(3) 10000 CORPORATE GIVING 45 FORM 990, SCHEDULE I, PART II MOST OF THE DONATIONS LISTED IN PART II ARE CHARITABLE CONTRIBUTIONS AND NOT GRANTS. HOWEVER IN 2020, DESERT FINANCIAL MODIFIED ITS GRANTMAKING PROGRAM TO IMPROVE IMPACT IN RESPONSE TO THE DIRE SITUATION EXPERIENCED BY OUR COMMUNITY. THE CREDIT UNION SHIFTED ITS COMMUNITY DEVELOPMENT GRANTMAKING PROGRAM TO A COVID-19 EMERGENCY GRANT PROGRAM THAT INCLUDED AN APPLICATION PROCESS WHEREBY A SELECT GROUP OF EXISTING NON-PROFIT PARTNERS WERE INVITED TO SUBMIT A REQUEST FOR FINANCIAL SUPPORT. THE GRANT APPLICATION REQUIRED THAT NON-PROFITS PROVIDE THE FOLLOWING: 1. DESCRIPTION OF HOW THE PANDEMIC IMPACTED THEIR OPERATIONS 2. INTENDED USE OF FUNDS 3. POPULATIONS SERVED 4. ADDITIONAL FUNDING SOURCES SOUGHT 5. REQUESTED AMOUNT 6. CHALLENGES ADDRESSED WITH THE FUNDS 7. IDENTIFICATION OF WHETHER FUNDING WAS PREVIOUSLY RECEIVED THROUGH THE ARIZONA COVID-19 EMERGENCY RESPONSE (VSUW AND ARIZONA COMMUNITY FOUNDATION). 8. IDENTIFICATION OF WHETHER THEY HAD APPLIED FOR A PPP LOAN WITH DESERT FINANCIAL CREDIT UNION 9. SUBMISSION OF THEIR W-9 AND 10. SIGNING OF MEMORANDUM OF UNDERSTANDING ONCE THEY WERE SELECTED FOR FUNDING ORGANIZATIONS WERE GRANTED FUNDS BASED ON THEIR EXISTING RELATIONSHIP (VOLUNTEERING, PRIOR GIVING, FINANCIAL WELLNESS PROGRAMMING), OPERATIONAL SOUNDNESS, CRITICAL NEED, AND WHETHER THEY'D RECEIVED SUPPORT THROUGH OTHER INITIATIVES SUPPORTED BY THE CREDIT UNION. UNDER NORMAL CIRCUMSTANCES, ORGANIZATIONS WOULD COMMIT TO SUBMITTING A FOLLOW-UP AND FINAL REPORT. NATIONALLY, FUNDERS AGREED TO MODIFY REPORTING REQUIREMENTS IN RESPONSE TO THE COVID-19 CRISIS, AND TO MORE QUICKLY AND IMPACTFULLY DISTRIBUTE FUNDS TO NON-PROFITS PROVIDING CRISIS SERVICES. LOCALLY, NON-PROFITS WERE ALREADY HEAVILY IMPACTED BY FURLOUGHS DUE TO THE CANCELLATION OF MANY OF THEIR LARGEST FUNDRAISING EVENTS. AFTER AWARDING THE FUNDS, WE ASKED FOR A BRIEF RECAP AT THE END OF THE YEAR IN LIEU OF INTERIM MONITORING REPORTS. X 1 1 X X X 0 1 0 JEFFREY D MESHEY CEO 540479 0 0 0 4423 0 0 0 14900 0 559802 0 0 0 JEFFREY S BUTLER CEO-SWITCHTHINK SOLUTIONS 345764 0 0 0 7427 0 0 0 11787 0 364978 0 0 0 RONDLE K AMSTUTZ EXECUTIVE VP 275127 0 0 0 3005 0 0 0 16526 0 294658 0 0 0 CATHLEEN GRAHAM EXECUTIVE VP 253990 0 0 0 810 0 1673 0 6461 0 262934 0 0 0 PAUL WINTERMANTEL FINANCIAL ADVISOR II -2720 0 239606 0 3119 0 5480 0 8482 0 253967 0 0 0 GARY SNEED SVP CHIEF LENDING OFFICER 219232 0 0 0 2858 0 1952 0 11070 0 235112 0 0 0 STEPHEN H JORDAN SVP CHIEF FINANCIAL OFFICER 219757 0 0 0 538 0 2332 0 6297 0 228924 0 0 0 PARKER RONALD H CHIEF OPS OFC-ST 186032 0 0 0 518 0 2743 0 12786 0 202079 0 0 0 SARA K REGAN SVP RISK & GEN COUNSEL 181661 0 0 0 225 0 3989 0 14220 0 200095 0 0 0 JACKIE L BIGGS JR VP, FINANCE 177373 0 0 0 766 0 6021 0 6647 0 190807 0 0 0 THOMAS MARLOWE SVP BACK OFFICE OPS 178167 0 0 0 338 0 4613 0 5963 0 189081 0 0 0 PART I, LINE 4B IN 2020, THE CREDIT UNION PARTICIPATED IN TWO SUPPLEMENTAL NONQUALIFIED RETIRMENT PLANS. THE BENEFIT LIABILITY RELATED TO THE CEO, JEFFREY D. MESHEY'S RETIRMENT PLAN APPROXIMATED $1,869,300 AS OF DECEMBER 31, 2020. THE BENEFIT LIABILITY RELATED TO THE EXECUTIVE VP, RONDLE K. AMSTUTZ'S RETIRMENT PLAN APPROXIMATED $757,200 AS OF DECEMBER 31, 2020. FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE, AND VOTING. FORM 990, PART VI, SECTION A, LINE 7A BOARD MEMBERS ARE ELECTED FOR THREE YEAR TERMS BY THE MEMBERSHIP. FORM 990, PART VI, SECTION A, LINE 7B THE MEMBERS MUST APPROVE MERGERS AND BY-LAW CHANGES. FORM 990, PART VI, SECTION B, LINE 11B THE CEO, JEFFREY D. MESHEY AND THE SVP CFO, STEPHEN H. JORDAN, WILL REVIEW FORM 990 BEFORE FILLING AND PROVIDE A COPY TO THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 12C EMPLOYEES MUST DISCLOSE FINANCIAL OR OTHER BUSINESS RELATIONSHIPS THAT MAY CONSTITUTE A CONFLICT OF INTEREST. EMPLOYEES MUST ALSO OBTAIN PRIOR APPROVAL FROM THE CEO, EXECUIVE MANAGEMENT TEAM (EMT) AND GENERAL COUNSEL BEFORE ENGAGING IN OUTSIDE BUSINESS ACTIVITIES FOR COMPENSATION THAT OFFER COMPETING SERVICES TO DESERT FINANCIAL CREDIT UNION. HUMAN RESOURCES INVESTIGATES ALL REPORTS OF CONFLICTS OF INTEREST. FORM 990, PART VI, SECTION B, LINE 15 THE CEO'S COMPENSATION IS DETERMINED BY THE CREDIT UNION'S BOARD OF DIRECTORS. HUMAN RESOURCES SUPPLIES MULTIPLE THIRD PARTY MARKET SURVEY RESULTS FOR THEIR COMPARABILITY DATA. TOP MANAGEMENT COMPENSATION IS DETERMINED BY THE CEO AND EMT AND UTILIZES MULTIPLE THIRD-PARTY MARKET SURVEY RESULTS FOR COMPARABILITY DATA. OTHER KEY EMPLOYEE COMPENSATION IS DETERMINED BY SENIOR MANAGMENT TEAM (SMT)/EMT LEADERS AND UTILIZE MULTIPLE THIRD PARTY MARKET SURVEY RESULTS FOR COMPARABILITY DATA. FORM 990, PART VI, SECTION C, LINE 19 FINANCIAL STATEMENTS ARE PUBLISHED MONTHLY. ALL OTHER DOCUMENTS AND POLICIES ARE AVAILABLE FOR REVIEW UPON REQUEST. FORM 990, PART IX, LINE 11G OTHER 8,837,252. FORM 990, PART IX, LINE 24E FRAUD LOSSES 871,428. MISCELLANEOUS 526,223. OREO EXPENSE 236,058. FORM 990, PART XI, LINE 9: NET CHANGE IN UNREALIZED LOSSES ON POST-RETIREMENT BENEFIT PLAN OBLIGATION -432,476. NET CHANGE IN UNREALIZED LOSSES ON PENSION PLAN OBLIGATION 1,341,683. FORM 990, PART XII, LINE 2C: THE CREDIT UNION HAS COMMITTEE THAT ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND THE SELECTION OF AN INDEPENDENT ACCOUNTANT. DEFINE MORTGAGE SOLUTIONS LLC 148 N 48TH ST PHOENIX AZ 85034 830668619 MORTGAGES AZ 27369520 46074647 DESERT FINANCIAL HOLDING COMPANY DESERT FINANCIAL WEALTH SERVICES LLC 148 N 48TH ST PHOENIX AZ 85034 860946896 INSURANCE AZ 883911 3173339 DESERT FINANCIAL HOLDING COMPANY HUMINTEX 148 N 48TH ST PHOENIX AZ 85034 811621786 CONSULTING AZ 826360 806694 DESERT FINANCIAL HOLDING COMPANY SOUTHWEST COMMERCIAL PROPERTY 148 N 48TH ST PHOENIX AZ 85034 453465108 PROPERTY MANAGEMENT AZ 857954 8410208 DESERT FINANCIAL HOLDING COMPANY SWITCHTHINK SOLUTIONS LLC 148 N 48TH ST PHOENIX AZ 85034 821355755 IT SERVICES AZ 17940656 20899955 DESERT FINANCIAL HOLDING COMPANY DESERT FINANCIAL FOUNDATION 148 N 48TH ST PHOENIX AZ 85034 860096740 FUND RAISING AZ 501(C)(3) LINE 10 DESERT FINANCIAL CREDIT UNION 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 DESERT FINANCIAL FOUNDATION A 260531 CASH CONTRIBUTION PERCENT OF EMPLOYEE TIME FOR FOUNDATION ALLOCATE SALARY O 3096 PERCENT OF SALARY