2020-05-14T14:17:51-05:00 2019-12-31 910189318 MOSS ADAMS LLP 805 SW BROADWAY STE 1200 PORTLAND OR 97205 990 2019-01-01 910617775 COLUMBIA COMMUNITY CREDIT UNION COLU 3608914000 PO BOX 324 VANCOUVER WA 98666 STEPHON KENNY PRESIDENT/CEO 3608914000 2020-05-13 1 WENDY CAMPOS P00448102 5032421447 2020-05-12 73.96.206.44 2020-05-13 12:01:56 PD P DA39A3EE5E6B4B0D3255BFEF95601890AFD80709 697E1C7253A5CA0A5488E87239FE5BE3AB33F6DC 2019 2021-04-22 16:20:28Z STEPHON KENNY PO BOX 324 VANCOUVER WA 98666 84036721 0 X WWW.COLUMBIACU.ORG X 1952 WA A STRONG MEMBER FINANCIAL COOPERATIVE PROVIDING VALUE THROUGH: MEETING MEMBERS' NEEDS WITH QUALITY SERVICES AND PRODUCTS; CARING FOR MEMBERS AT EVERY CONTACT; AND ENHANCING THE COMMUNITIES WE SERVE THROUGH VOLUNTEERISM AND LEADERSHIP. 9 9 365 0 1729003 -413940 0 0 67668623 79325577 2878930 4710098 0 0 70547553 84035675 324856 383207 0 0 22890058 25888983 0 0 0 31112965 38463328 54327879 64735518 16219674 19300157 1512853805 1701571179 1344824427 1512307078 168029378 189264101 BRINGING PEOPLE TOGETHER TO MAKE LIFE BETTER FOR THEMSELVES AND THEIR COMMUNITIES. 0 0 COLUMBIA COMMUNITY CREDIT UNION IS A WASHINGTON STATE-CHARTERED CREDIT UNION WITH A FIELD OF MEMBERSHIP IN WASHINGTON AND OREGON AND IS REGULATED BY THE WASHINGTON STATE DEPARTMENT OF FINANCIAL INSTITUTIONS, DIVISION OF CREDIT UNIONS WITH RECIPROCAL OVERSIGHT BY THE OREGON DEPARTMENT OF CONSUMER & BUSINESS SERVICES, DIVISION OF FINANCIAL REGULATION. MEMBERS' DEPOSITS ARE INSURED BY THE NATIONAL CREDIT UNION SHARE INSURANCE FUND. THE MAIN PURPOSE OF THE CREDIT UNION IS PROMOTING THRIFT AMOUNG ITS MEMBERS AND CREATING A SOURCE OF CREDIT FOR THEM AT FAIR AND REASONABLE RATES OF INTEREST. 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 0 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 31561 0 1 365 1 1 1 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 0 1 1 0 0 1 1 1 1 1 1 1 1 0 X PENNY HARRIS 3606193300 200 SE PARK PLAZA DRIVE VANCOUVER WA 98684 KELLY LOVE BOARD CHAIRMAN 2.30 X X 7464 0 0 MARCI WHITE-STUMPF SECRETARY 2.30 X X 6599 0 0 CAROL VAN NATTA VICE CHAIR 2.30 X X 6599 0 0 LARRY PAULSON TREASURER 2.30 X X 6000 0 0 ERIC SAWYER DIRECTOR 2.30 X 6493 0 0 ALFRED SCHAUER DIRECTOR 2.30 X 6077 0 0 ALISHIA TOPPER DIRECTOR 2.30 X 5334 0 0 ROY JOHNSON DIRECTOR 2.30 X 4000 0 0 JOSEPH VANCE DIRECTOR 2.30 X 2599 0 0 MAX AULT DIRECTOR 2.30 X 2599 0 0 JULIANNA MARLER DIRECTOR 2.30 X 2000 0 0 LYNN VALENTER DIRECTOR 2.30 X 0 0 0 STEPHON D KENNY PRESIDENT/CEO 45.00 X 601632 0 30726 ALLAN R SIEGEL SVP CFO 40.00 X 290583 0 25563 CAROL L MCCAULLEY SVP CHIEF HR OFFICER LEGAL 40.00 X 394228 0 26790 MARC T TIMM SVP CHIEF LENDING OFFICER 40.00 X 290434 0 28122 LINDSEY R SALVESTRIN SVP CHIEF OPERATIONS MGR 40.00 X 286846 0 37689 MARK C MICHAELS SVP CHIEF INFORMATION OFFICER 40.00 X 255364 0 21868 COLLEEN BOCCIA SVP CHIEF MARKETING OFFICE 40.00 X 252163 0 24364 MICHAEL D FLOREA SVP CHIEF DATA OFFICER 40.00 X 238648 0 33660 WENDY SMITH SVP CHIEF RISK OFFICER 40.00 X 211845 0 26226 SUZI LOCKE HOME LOAN OFFICER 40.00 X 266776 0 21237 JOSEPH I STORM VP DIRECTOR COMMERICAL & B 40.00 X 261752 0 24287 JEFFREY W DAY HOME LOAN OFFICER 40.00 X 231749 0 14711 JOHN STEINKE HOME LOAN OFFICER 40.00 X 213450 0 18706 HOLLY MECALIS INDIRECT LOAN SALES REP 40.00 X 202265 0 19402 4053499 0 353351 43 0 1 0 FISERV INC 255 FISERV DRIVE BROOKFIELD WY 53045 SOFTWARE SUPPORT/MAINTENANCE/LICENSES & 2717333 NCR CORPORATION 864 SPRING STREET NW ATLANTA GA 30308 PC BANKING/E-STMT PROCESSING/ATM UNITS W 2511172 STRUCTURED COMMUNICATION SYSTEM 12901 SE 97TH AVENUE SUITE 400 CLACKAMAS OR 97015 SOFTWARE & HARDWARE MAINTENANCE/SUPPORT 785375 VISA USA INC 900 METRO CENTER BLVD FOSTER CITY CA 94404 SERVICE FEES 531307 TECHNOLOGY UNLIMITED INC 6802 SOUTH 220TH STREET BLDG 2 KENT WA 98032 COIN SORTER/CASH RECYCLER UNITS AND MAIN 445875 53 INT & FEES ON LOANS 522100 60644113 60644113 ATM INCOME 522100 6870001 6792364 77637 FEES & SERVICE CHARGES 522100 5469892 5469892 MISC OPERATING INCOME 522100 2462118 2386854 75264 GAIN ON SALE OF LOANS 522100 2303351 2303351 1576102 1576102 79325577 4711144 4711144 1046 -1046 -1046 -1046 84035675 77596574 1729003 4710098 383207 3163715 17608182 1152404 2260395 1704287 856923 256440 1072038 1525215 1780595 6804909 1996256 24995 879872 9504064 2929008 619981 PROVISION FOR LOAN LOSS 5761583 LOAN SERVICING 2357155 STATEMENT PROCESSING 192424 DUES AND SUBSCRIPTIONS 161394 1740476 64735518 114711590 206116491 267797 278321 1260741220 1371769257 1794494 2380043 59946903 34470777 25173175 25476126 83845071 69074864 2969225 2588623 23351233 23887454 1512853805 1701571179 38114886 13542138 546252 23556 1306163289 1498741384 1344824427 1512307078 X 0 0 0 0 168029378 189264101 168029378 189264101 1512853805 1701571179 19300157 1934566 0 X 0 1 X 1 0 14392 0 0 14392 14392 1 NORTHWEST CREDIT UNION ASSOCIATION 18000 INTERNATIONAL BLVD SUITE 350 SEATAC WA 98188 910460483 14392 0 PART I-A, LINE 1: INDIRECT POLITICAL CAMPAIGN ACTIVITY THROUGH CONTRIBUTIONS TO OTHER ORGANIZATIONS; NORTHWEST CREDIT UNION ASSOCIATION 0 1 X 5825213 5825213 25800549 11009650 14790899 3938238 3275991 662247 23802610 20185136 3617474 580293 580293 25476126 MEMBERS' SHARE AND SAVINGS ACCOUNTS 1498741384 1498741384 X PART IV, LINE 2B: ESCROW ACCOUNTS ARE FOR MEMBER REAL ESTATE LOANS TO PAY REAL ESTATE TAXES. PART X, LINE 2: FIN 48 (ASC 740) UNCERTAIN TAX POSITIONS FINANCIAL STATEMENT FOOTNOTE - THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES POTENTIALLY DEEMED TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2019 AND 2018. THE CREDIT UNION'S 2016 THROUGH 2018 TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES. 1 BRIDGEVIEW RESOURCE CENTER 505 OMAHA WAY VANCOUVER WA 98661 911285201 501(C)(3) 11667 SUPPORT FOR PROGRAMS FOR LOW INCOME COMMUNITY MEMBERS THROUGH GRANT BOYS AND GIRLS CLUB OF SW WASHINGTON 1111 MAIN STREET STE 605 VANCOUVER WA 98660 911978646 501(C)(3) 15000 SUPPORT FOR PROGRAMS FOR AT-RISK YOUTH THROUGH EVENT SPONSORSHIP BUILDING INDUSTRY OF CLARK COUNTY 103 E 29TH ST VANCOUVER WA 98663 910906923 501(C)(6) 9500 SUPPORT FOR AFFORDABLE HOUSING AND ECONOMIC GROWTH THROUGH EVENT SPONSORSHIP CHILDREN'S CENTER 13500 SE 7TH STREET VANCOUVER WA 98683 911459420 501(C)(3) 5000 SUPPORT FOR YOUTH AND THEIR FAMILIES FACING MENTAL ILLNESS CARE THROUGH EVENT SPONSORSHIP CLARK COLLEGE FOUNDATION 1933 FT VANCOUVER WAY VANCOUVER WA 98663 237315006 501(C)(3) 25000 SUPPORT FOR HIGHER EDUCATION PROGRAMS THROUGH GRANT CLARK COUNTY FAMILY YMCA 11324 NE 51ST CIRCLE VANCOUVER WA 98682 930386981 501(C)(3) 5000 SUPPORT FOR AT-RISK YOUTH PROGRAMS THROUGH EVENT SPONSORSHIP COLUMBIA SPRINGS ENVIRONMENTAL CENTER 12208 E EVERGREEN HWY VANCOUVER WA 98683 912127406 501(C)(3) 12000 SUPPORT FOR ENVIRONMENTAL EDUCATION PROGRAMS THROUGH EVENT SPONSORSHIP COLUMBIA RIVER ECONOMIC DEVELOPMENT COUNCIL 805 BROADWAY STE 412 VANCOUVER WA 98660 911186305 501(C)(4) 13400 SUPPORT FOR LOCAL ECONOMY GROWTH AND EDUCATION PROGRAMS THROUGH EVENT SPONSORSHIPS DOERNBECHER CHILDREN'S HOSPITAL FOUNDATION 1121 SW SALMON ST STE 100 PORTLAND OR 97205 930579589 501(C)(3) 10250 SUPPORT FOR CHILDREN AND THEIR FAMILIES WHILE CHILD IS RECEIVING MEDICAL CARE THROUGH EVENT SPONSORSHIP FIRST GROWTH CHILDREN AND FAMILIES CHARITIES 919 NE 19TH AVE STE 160N PORTLAND OR 97232 201260228 501(C)(3) 10000 SUPPORT FOR PROGRAMS THROUGH EVENT SPONSORSHIP FORT VANCOUVER REGIONAL LIBRARY FOUNDATION PO BOX 2384 VANCOUVER WA 98668 911456753 501(C)(3) 15000 SUPPORT FOR PROGRAMS THROUGH EVENT SPONSORSHIP THE HISTORIC TRUST 750 ANDERSON ST VANCOUVER WA 98661 911937645 501(C)(3) 35000 PRESERVATION FOR NATIONAL SITE AND SUPPORT FOR EDUCATION PROGRAMS THROUGH SPONSORSHIP IDENTITY CLARK COUNTY 900 WASHINGTON ST STE1040 VANCOUVER WA 98660 911623724 501(C)(3) 12500 SUPPORT FOR ECONOMIC DEVELOPMENT THROUGH GRANT INNOVATIVE SERVICES NW 9414 NE 4TH PLAIN VANCOUVER WA 98662 910782136 501(C)(3) 15000 SUPPORT FOR CHILDREN AND ADULTS WITH DISABILITIES WITH GRANT LEADERSHIP CLARK COUNTY 400 E EVERGREEN BLVD STE 113 VANCOUVER WA 98660 911555372 501(C)(3) 7500 SUPPORT FOR PROGRAMS THROUGH EVENT SPONSORSHIP MEALS ON WHEELS PEOPLE 7710 SW 31ST AVE PORTLAND OR 97219 930584318 501(C)(3) 10000 SUPPORT FOR PROGRAMS THROUGH EVENT SPONSORSHIP PEACE HEALTH SW WASHINGTON FOUNDATION PO BOX 1600 VANCOUVER WA 98668 911231436 501(C)(3) 10000 SUPPORT FOR FAMILIES AND THEIR BABIES IN NICCU THROUGH A GRANT RIDGEFIELD LIONS CLUB PO BOX 416 RIDGEFIELD WA 98642 916055278 501(C)(3) 15000 SUPPORT FOR COMMUNITY ENGAGEMENT THROUGH SPONSORSHIP RIDGEFIELD PUBLIC SCHOOLS FOUNDATION PO BOX 1402 RIDGEFIELD WA 98642 264779477 501(C)(3) 10300 SUPPORT FOR TEACHER GRANT PROGRAM WITH GRANT SALMON CREEK LEGACY HOSPITAL FOUNDATION PO BOX 5245 VANCOUVER WA 98668 830433165 501(C)(3) 15000 SUPPORT FOR CANCER RESOURCES THROUGH EVENT SPONSORSHIP SHARE 2306 NE ANDRESEN ROAD VANCOUVER WA 98661 911205119 501(C)(3) 10250 SUPPORT FOR PROGRAMS SERVING HOMELESS AND HUNGRY IN OUR COMMUNITY THROUGH EVENT SPONSORSHIP FOUNDATION FOR VANCOUVER PUBLIC SCHOOLS 2901 FALK RD VANCOUVER WA 98661 916001540 501(C)(3) 40000 SUPPORT FOR EDUCATION PROGRAMS THROUGH EVENT SPONSORSHIP YWCA OF CLARK COUNTY 3609 MAIN ST VANCOUVER WA 98663 910569882 501(C)(3) 10000 SUPPORT FOR PROGRAMS THROUGH EVENT SPONSORSHIP 21 2 PART I, LINE 2: WHEN MONEY IS DONATED, ONGOING COMMUNICATION IS ESTABLISHED BETWEEN THE NON-PROFIT RECEIVING DONATIONS AND THE OUTREACH TEAM TO ENSURE IT IS DISTRIBUTED AS INTENDED. IN TURN, THE NON-PROFIT IS REQUESTED TO PROVIDE THE OUTREACH TEAM A RECAP OF HOW THE MONIES WERE USED AND HOW IT BENEFITED THE INTENDED PARTY. X 1 1 X X X X X 1 1 0 STEPHON D KENNY PRESIDENT/CEO 480000 0 109020 0 12612 0 16800 0 13926 0 632358 0 0 0 ALLAN R SIEGEL SVP CFO 234472 0 45760 0 10351 0 16800 0 8763 0 316146 0 0 0 CAROL L MCCAULLEY SVP CHIEF HR OFFICER LEGAL 206912 0 43600 0 143716 0 15185 0 11605 0 421018 0 0 0 MARC T TIMM SVP CHIEF LENDING OFFICER 236293 0 45324 0 8817 0 14196 0 13926 0 318556 0 0 0 LINDSEY R SALVESTRIN SVP CHIEF OPERATIONS MGR 236235 0 43800 0 6811 0 16800 0 20889 0 324535 0 0 0 MARK C MICHAELS SVP CHIEF INFORMATION OFFICER 225500 0 22917 0 6947 0 14905 0 6963 0 277232 0 0 0 COLLEEN BOCCIA SVP CHIEF MARKETING OFFICE 205000 0 38600 0 8563 0 14616 0 9748 0 276527 0 0 0 MICHAEL D FLOREA SVP CHIEF DATA OFFICER 195715 0 36000 0 6933 0 12771 0 20889 0 272308 0 0 0 WENDY SMITH SVP CHIEF RISK OFFICER 175000 0 30000 0 6845 0 12300 0 13926 0 238071 0 0 0 SUZI LOCKE HOME LOAN OFFICER 34314 0 232226 0 236 0 13089 0 8148 0 288013 0 0 0 JOSEPH I STORM VP DIRECTOR COMMERICAL & B 171151 0 86702 0 3899 0 16219 0 8068 0 286039 0 0 0 JEFFREY W DAY HOME LOAN OFFICER 36802 0 194742 0 205 0 7748 0 6963 0 246460 0 0 0 JOHN STEINKE HOME LOAN OFFICER 32112 0 181014 0 324 0 10558 0 8148 0 232156 0 0 0 HOLLY MECALIS INDIRECT LOAN SALES REP 76304 0 125287 0 674 0 12095 0 7307 0 221667 0 0 0 PART I, LINE 1A THE CEO'S EMPLOYMENT AGREEMENT ALLOWS FOR THE COST OF SPOUSE TRAVEL FOR 3 CONFERENCES A YEAR. BOARD POLICY ALLOWS FOR SPOUSE/DOMESTIC PARTNER ALLOWANCE OF $599 ANNUALLY WHILE ACCOMPANYING AN OFFICIAL ON CREDIT UNION-RELATED TRAINING. THE CEO'S ALLOWANCE IS NOT TREATED AS TAXABLE COMPENSATION, WHEREAS THE OFFICIAL'S ALLOWANCE IS TREATED AS TAXABLE COMPENSATION. PART I, LINES 4A-B SVP CHIEF HR OFFICER LEGAL COUNSEL; $132,253.38; ONE-TIME PAYOUT; TERMINATED FORM 990, PART VI, SECTION A, LINE 6 MEMBERS VOTE TO ELECT THE GOVERNING BODY (BOARD OF DIRECTORS). FORM 990, PART VI, SECTION A, LINE 7A MEMBERS IN ATTENDANCE AT THE ANNUAL MEETING APPROVED GOVERNING BODY'S ELECTION. FORM 990, PART VI, SECTION B, LINE 11B THE 990 DATA IS COMPILED BY THE SR ACCOUNTANT AND SENT TO THE CPA FIRM TO COMPLETE THE 990. THE DRAFT OF THE 990 IS PROVIDED TO THE CONTROLLER, CFO AND CEO FOR INTERNAL REVIEW. ONCE THAT IS COMPLETED THE 990 AND 990T IS UPLOADED TO THE BOARD WEBSITE AND ALL THE MEMBERS OF THE BOARD ARE NOTIFIED THAT IS NOW AVAILABLE FOR REVIEW. THIS IS ALL COMPLETED PRIOR TO THE SUBMISSION OF THE RETURNS TO THE IRS. FORM 990, PART VI, SECTION B, LINE 12C ALL STAFF ARE PRESENTED WITH THE WRITTEN CONFLICT OF INTEREST POLICY ANNUALLY AND ARE REQUIRED TO SUBMIT A SIGNED CONFIRMATION TO HUMAN RESOURCES THAT THEY HAVE READ THE POLICY. EMPLOYEES ALSO COMPLETE A CONFLICT OF INTEREST QUESTIONNAIRE WHICH REQUIRES THE DISCLOSURE OF ANY POTENTIAL CONFLICTS. MEMBERS OF THE BOARD OF DIRECTORS ARE ALSO REQUIRED TO SIGN CONFIRMING THEY HAVE REVIEWED THE POLICY. POTENTIAL CONFLICTS ARE REPORTED TO AND REVIEWED BY THE ENTERPRISE RISK MANAGEMENT DEPARTMENT, WHICH THEN DETERMINES THE APPROPRIATE PARTY TO DELIBERATE AND RESOLVE THE CONFLICT (E.G. BOARD, SUPERVISORY BOARD, CEO). FORM 990, PART VI, SECTION B, LINE 15 THE HUMAN RESOURCES DEPARTMENT COMPILED INFORMATION FROM PROFESSIONAL INDEPENDENT SALARY SURVEYS (PAYSCALE AND OTHER INDUSTRY SURVEYS AS AVAILABLE). THIS INFORMATION WAS USED TO EVALUATE AND ESTABLISH COMPENSATION RATES WITHIN COMMUNITY, INDUSTRY, AND ASSET SIZE NORMS. BASED ON THESE STUDIES, THE CEO REVIEWS AND SETS THE COMPENSATION RATES OF SENIOR MANAGEMENT. THE BOARD OF DIRECTORS INDEPENDENTLY REVIEWED MARKET NORMS AND DETERMINED THE CEO'S COMPENSATION AND BENEFIT PACKAGE. A REVIEW BY HUMAN RESOURCES, USING THE CUSTOMARY SALARY SURVEY STUDIES, CONFIRMED THAT THE CEO'S COMPENSATION RATE WAS WELL WITHIN THE COMPENSATION NORMS FOR SIMILAR POSITIONS WITHIN THE INDUSTRY, COMMUNITY, AND ASSET SIZE. THE LAST REVIEW OF COMPENSATION FOR THE CEO AND SENIOR MANAGEMENT WAS COMPLETED NOVEMBER 2017. FORM 990, PART VI, SECTION C, LINE 19 WEBSITE COLUMBIA COMMUNITY CORPORATION PO BOX 324 VANCOUVER WA 98666 910617775 INACTIVE - USED TO BE WEALTH MANAGEMENT FUNCTION; COMBINED INTO CU IN 2004 WA 0 5000 COLUMBIA COMMUNITY CREDIT UNION