ONPOINT COMMUNITY CREDIT UNION: Form 990, tax year 2019

View the entire original 990 at ProPublica ↗

Organization: ONPOINT COMMUNITY CREDIT UNION (EIN 93-0257765)
Tax period: 2019-01-01 to 2019-12-31
Filed: 2020-06-26
IRS object ID: 202011789349300916
Schema version: 2019v5.1
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 C
Schedule D
Schedule I
Schedule J
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2020-06-26T09:11:57-05:00	ReturnTs
Tax Period End	2019-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	910189318	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	MOSS ADAMS LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	805 SW BROADWAY STE 1200	AddressLine1Txt
City	PORTLAND	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97205	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2019-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	930257765	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	ONPOINT COMMUNITY CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	ONPO	BusinessNameControlTxt
Phone	5032731764	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 3750	AddressLine1Txt
City	PORTLAND	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	972083750	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	JAMES HUNT	PersonNm
Person Title	SVP/CFO	PersonTitleTxt
Phone	5032731764	PhoneNum
Signature	2020-06-15	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	WENDY CAMPOS	PreparerPersonNm
PTIN	P00448102	PTIN
Phone	5032421447	PhoneNum
Preparation	2020-06-08	PreparationDt

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	73.96.206.44	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2020-06-15	IPDt
IP Tm	15:22:35	IPTm
IP Timezone	PD	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	DA39A3EE5E6B4B0D3255BFEF95601890AFD80709	AtSubmissionCreationDeviceId
At Submission Filing Device Id	697E1C7253A5CA0A5488E87239FE5BE3AB33F6DC	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2019	TaxYr
Build TS	2021-04-22 16:20:28Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	ROBERT STUART	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 3750	AddressLine1Txt
City	PORTLAND	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	972083750	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$294,829,716	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.ONPOINTCU.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1932	FormationYr
Legal Domicile State	OR	LegalDomicileStateCd
Activity Or Mission	PROMOTE THE FINANCIAL WELL-BEING OF CREDIT UNION MEMBERS THROUGH FINANCIAL PRODUCTS AND SERVICES.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	879	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$909,721	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$945,864	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$211,046,223	PYProgramServiceRevenueAmt
CY Program Service Revenue	$232,954,258	CYProgramServiceRevenueAmt
PY Investment Income	$26,103,206	PYInvestmentIncomeAmt
CY Investment Income	$44,491,719	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$237,149,429	PYTotalRevenueAmt
CY Total Revenue	$277,445,977	CYTotalRevenueAmt
PY Grants And Similar Paid	$549,781	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$802,679	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$65,732,230	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$73,173,474	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$90,829,548	PYOtherExpensesAmt
CY Other Expenses	$103,446,852	CYOtherExpensesAmt
PY Total Expenses	$157,111,559	PYTotalExpensesAmt
CY Total Expenses	$177,423,005	CYTotalExpensesAmt
PY Revenues Less Expenses	$80,037,870	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$100,022,972	CYRevenuesLessExpensesAmt
Total Assets BOY	$5,392,942,516	TotalAssetsBOYAmt
Total Assets EOY	$6,130,686,655	TotalAssetsEOYAmt
Total Liabilities BOY	$4,758,742,273	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$5,366,514,189	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$634,200,243	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$764,172,466	NetAssetsOrFundBalancesEOYAmt
Mission	PROMOTE THE FINANCIAL WELL-BEING OF CREDIT UNION MEMBERS THROUGH FINANCIAL PRODUCTS AND SERVICES.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	IN 2019, MEMBERSHIP IN THE CREDIT UNION GREW TO 390,039 MEMBERS. ONPOINT COMMUNITY CREDIT UNION PROVIDED THE MEMBERSHIP WITH FINANCIAL SERVICES, INCLUDING THE PROVISION OF 215,126 LOANS AND 840,540 DEPOSIT ACCOUNTS TO MEMBERS AT COMPETITIVE RATES.	Desc
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	Yes (1)	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	Yes (1)	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (1)	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	0	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	Yes (1)	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	130901	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	879	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	Yes (1)	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	IndependentVotingMemberCnt
Family Or Business Rln	0	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	Yes (1)	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	Yes (1)	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	0	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	STEVE BROUILLET CONTROLLER	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	5032214118	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2701 NW VAUGHN STREET SUITE 800	AddressLine1Txt
City	PORTLAND	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97210	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (25 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Key EmployeeKeyEmployeeInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
T TSURUTA
BOARD SECRETARY	6.50	Yes (X)	Yes (X)	$39,679	$0	$0
S GOLDSCHMIDT
DIRECTOR	6.50	Yes (X)		$35,275	$0	$0
L JOHNSON
BOARD CHAIR	13.00	Yes (X)	Yes (X)	$33,951	$0	$0
M MROCZEK
BOARD VICE CHAIR	6.50	Yes (X)	Yes (X)	$30,207	$0	$0
S NARENDRA
DIRECTOR	6.50	Yes (X)		$29,000	$0	$0
K THOMAJAN
DIRECTOR	6.50	Yes (X)		$29,000	$0	$0
K MORRIS
DIRECTOR	6.50	Yes (X)		$16,340	$0	$0
M DAMM
DIRECTOR	6.50	Yes (X)		$16,097	$0	$0
C HARMS
DIRECTOR	6.50	Yes (X)		$15,826	$0	$0
K DURHAM
DIRECTOR	6.50	Yes (X)		$15,420	$0	$0
D NAKATA
DIRECTOR	6.50	Yes (X)		$14,500	$0	$0
K SCHWARTZROCK
DIRECTOR	6.50	Yes (X)		$14,500	$0	$0
R STUART
PRESIDENT/CEO	50.00		Yes (X)	$2,398,512	$0	$784,975
J HUNT
SVP/CHIEF FINANCIAL OFFICER	45.00		Yes (X)	$1,678,718	$0	$403,424
S LEUGERS
SVP/CHIEF LENDING OFFICER	45.00		Yes (X)	$395,215	$0	$314,616
T MCVAY
SVP/CHIEF RETAIL OFFICER	45.00			$1,074,395	$0	$402,174	Yes (X)
J ARMSTRONG
SVP/CHIEF INFORMATION OFFICER	45.00			$854,729	$0	$355,272	Yes (X)
S OWEN
SVP/CHIEF OPERATIONS OFFICER	45.00			$787,173	$0	$41,564	Yes (X)
V ERVIN
SVP/CHIEF COMPLIANCE OFFICER	45.00			$424,700	$0	$271,076	Yes (X)
J DUNCKLEY
SVP/CHIEF TALENT OFFICER	45.00			$213,783	$0	$29,356	Yes (X)
M DEBUHR
VP/REGIONAL MANAGER	45.00			$639,760	$0	$103,065		Yes (X)
A EMERSON
VP/ONPOINT MORTGAGE	45.00			$551,706	$0	$142,616		Yes (X)
K LUIDHARDT
MORTGAGE LOAN OFFICER	45.00			$370,587	$0	$36,313		Yes (X)
M LINDSAY
VP/WEALTH MANAGEMENT	45.00			$354,153	$0	$36,313		Yes (X)
J RODGERS
MORTGAGE SALES MANAGER	45.00			$337,431	$0	$44,583		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$10,370,657	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$2,965,347	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	130	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
PAYMENT SYSTEMS FOR CREDIT UNIONS
560 CARILLON PARKWAY	ST PETERSBURG	FL	33716	CREDIT CARD PROCESSING	$5,183,730
STRUM
1200 SIXTH AVE STE 900	SEATTLE	WA	98101	MARKETING & PROMOTIONAL	$5,143,253
P&C CONSTRUCTION COMPANY
2133 NW YORK STREET	PORTLAND	OR	97210	CONSTRUCTION	$4,670,548
Q2 SOFTWARE INC
2975 REGENT BLVD	IRVING	TX	75320	ONLINE BANKING	$4,214,533
FISERV
75 REMITTANCE DR STE 6959	CHICAGO	IL	60675	ONLINE BANKING	$3,214,638

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	79	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST MEMBER LOANS	522100	$155,282,762	$155,282,762
INTERCHANGE INCOME	522100	$35,473,512	$35,473,512
OTHER OPERATING INCOME	522100	$26,792,809	$26,023,593	$769,216
SERVICE FEES	522100	$15,405,175	$15,264,670	$140,505

Field	Value	IRS element (for citing)
Total Program Service Revenue	$232,954,258	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$43,833,754	TotalRevenueColumnAmt
Exclusion	$43,833,754	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$18,039,596	SecuritiesAmt
Other	$2,108	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$17,387,515	SecuritiesAmt
Other	-$3,776	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$652,081	SecuritiesAmt
Other	$5,884	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$657,965	TotalRevenueColumnAmt
Exclusion	$657,965	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$277,445,977	TotalRevenueColumnAmt
Related Or Exempt Func Income	$232,044,537	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$909,721	UnrelatedBusinessRevenueAmt
Exclusion	$44,491,719	ExclusionAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part IX	Yes (X)	InfoInScheduleOPartIXInd

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$802,679	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$10,719,479	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$44,218,759	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$4,351,627	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$9,114,689	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$4,768,920	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$300,116	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$108,000	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$21,566,679	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$8,607,507	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$10,982,115	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$6,994,383	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$9,176,767	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$596,169	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$448,881	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$27,469,767	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$3,724,672	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$519,935	TotalAmt

Other Expenses OtherExpensesGrp

Field	Value	IRS element (for citing)
Desc	PROVISION FOR LOAN LOSS	Desc
Total	$5,039,347	TotalAmt

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$7,912,514	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$177,423,005	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$865,129,884	BOYAmt
EOY	$596,852,690	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$15,238,017	BOYAmt
EOY	$8,514,295	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$13,474,711	BOYAmt
EOY	$17,891,392	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$3,492,029,631	BOYAmt
EOY	$3,873,949,773	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$4,217,779	BOYAmt
EOY	$5,395,350	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$53,031,792	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$25,465,649	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$19,450,675	BOYAmt
EOY	$27,566,143	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$888,316,454	BOYAmt
EOY	$1,493,323,596	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$62,881,000	BOYAmt
EOY	$73,488,327	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$32,204,365	BOYAmt
EOY	$33,705,089	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$5,392,942,516	BOYAmt
EOY	$6,130,686,655	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$64,253,841	BOYAmt
EOY	$79,320,193	EOYAmt

Deferred Revenue DeferredRevenueGrp

Field	Value	IRS element (for citing)
BOY	$2,278,107	BOYAmt
EOY	$1,584,206	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$2,937,601	BOYAmt
EOY	$4,381,618	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$296,395,296	BOYAmt
EOY	$499,526,671	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$4,392,877,428	BOYAmt
EOY	$4,781,701,501	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$4,758,742,273	BOYAmt
EOY	$5,366,514,189	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	$634,200,243	BOYAmt
EOY	$764,172,466	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$634,200,243	BOYAmt
EOY	$764,172,466	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$5,392,942,516	BOYAmt
EOY	$6,130,686,655	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$100,022,972	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$29,949,251	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule C IRS990ScheduleC

Field	Value	IRS element (for citing)
Political Expenditures	$41,166	PoliticalExpendituresAmt
Internal Funds Contributed	$41,166	InternalFundsContributedAmt
Total Exempt Function Expend	$41,166	TotalExemptFunctionExpendAmt
Form1120 POL Filed	Yes (1)	Form1120POLFiledInd

Section527 Political Org Section527PoliticalOrgGrp

Organization Business Name OrganizationBusinessName

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

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	18000 INTL BLVD 305	AddressLine1Txt
City	SEATAC	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	98188	ZIPCd

Field	Value	IRS element (for citing)
EIN	910460483	EIN
Paid Internal Funds	$41,166	PaidInternalFundsAmt
Contributions Rcvd Dlvr	$0	ContributionsRcvdDlvrAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I-A, LINE 1:	FormAndLineReferenceDesc
Explanation	THE CONTRIBUTION WAS TO THE CREDIT UNION LEGISLATIVE ACTION FUND, WHICH ENHANCES CREDIT UNIONS' VISIBILITY AMONG LAWMAKERS AND BUILDS STRONG POLITICAL RELATIONSHIPS.	ExplanationTxt

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	0	AgentTrusteeEtcInd
Incl Escrow Custodial Acct Liab	Yes (1)	InclEscrowCustodialAcctLiabInd
Explanation Provided	Yes (X)	ExplanationProvidedInd

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,577,511	OtherCostOrOtherBasisAmt
Book Value	$3,577,511	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,453,963	OtherCostOrOtherBasisAmt
Depreciation	$1,338,958	DepreciationAmt
Book Value	$2,115,005	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$17,473,218	OtherCostOrOtherBasisAmt
Depreciation	$11,470,644	DepreciationAmt
Book Value	$6,002,574	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$19,263,760	OtherCostOrOtherBasisAmt
Depreciation	$12,390,686	DepreciationAmt
Book Value	$6,873,074	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$9,263,340	OtherCostOrOtherBasisAmt
Depreciation	$265,361	DepreciationAmt
Book Value	$8,997,979	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$27,566,143	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (5 entries)

DescDesc	AmtAmt
SAVINGS	$1,879,234,852
CHECKING	$1,324,571,033
MONEY MARKET ACCOUNTS	$896,563,586
INDIVIDUAL RETIREMENT ACCOUNTS	$184,743,134
CERTIFICATES OF DEPOSIT	$496,588,896

Field	Value	IRS element (for citing)
Total Liability	$4,781,701,501	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$307,395,228	TotalRevEtcAuditedFinclStmtAmt
Net Unrealized Gains Invst	$29,949,251	NetUnrealizedGainsInvstAmt
Revenue Not Reported	$29,949,251	RevenueNotReportedAmt
Revenue Subtotal	$277,445,977	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$277,445,977	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$177,423,005	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$177,423,005	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$177,423,005	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc

ExplanationExplanationTxt

PART IV, LINE 2B:

THE FUNDS ONPOINT COLLECTS FOR TAXES AND INSURANCE ON BEHALF OF ITS MEMBERS ARE HELD IN AN ESCROW ACCOUNT AND INCLUDED WITHIN THE BALANCE SHEET.

PART X, LINE 2:

THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL INCOME TAXES. THE CREDIT UNION IS A STATE CHARTERED CREDIT UNION DESCRIBED IN IRC SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. AN EXEMPT ORGANIZATION RETURN AND UNRELATED BUSINESS INCOME TAX RETURNS ARE FILED ANNUALLY WITH THE APPLICABLE FEDERAL AND STATE TAX JURISDICTIONS. FASB CODIFICATION TOPIC 740, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE MORE LIKELY THAN NOT TO BE SUSTAINED "WHEN CHALLENGED OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS NOT DEEMED TO MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEARS ENDED DECEMBER 31, 2019 AND 2018, MANAGEMENT HAS DETERMINED THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. THE CREDIT UNION RECOGNIZES INTEREST ACCRUED AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS AS AN ADMINISTRATIVE EXPENSE. NO INTEREST AND PENALTIES WERE RECOGNIZED FOR THE YEARS ENDED DECEMBER 31, 2019 AND 2018.

Schedule I IRS990ScheduleI

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

Recipient Table RecipientTable (20 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	Recipient EINRecipientEIN	IRC SectionIRCSectionDesc	Cash GrantCashGrantAmt	Purpose Of GrantPurposeOfGrantTxt
DE LA SALLE NORTH CATHOLIC HIGH SCHOOL
7528 N FENWICK AVE	PORTLAND	OR	97217	931287554	501(C)(3)	$125,000	COMMUNITY OUTREACH
DOERNBECHER CHILDREN'S HOSPITAL
1121 SW SALMON ST STE 100	PORTLAND	OR	97205	930579589	501(C)(3)	$82,352	COMMUNITY OUTREACH
CASCADE AIDS PROJECT
520 NW DAVIS ST 215	PORTLAND	OR	97209	930903383	501(C)(3)	$49,750	COMMUNITY OUTREACH
OREGON FOOD BANK
7900 NE 33RD DR	PORTLAND	OR	97221	930785786	501(C)(3)	$42,110	COMMUNITY OUTREACH
SCHOOLHOUSE SUPPLIES
2735 NE 82ND AVE	PORTLAND	OR	97220	204223437	501(C)(3)	$35,100	COMMUNITY OUTREACH
MEALS ON WHEELS PEOPLE
7710 SW 31ST AVE	PORTLAND	OR	97219	930584318	501(C)(3)	$33,520	COMMUNITY OUTREACH
NORTHWEST CREDIT UNION ASSOCIATION
18000 INTERNATIONAL BLVD STE 350	SEATAC	WA	98188	910460483	501(C)(3)	$32,000	COMMUNITY OUTREACH
CHILDREN'S CANCER ASSOCIATION
1200 NW NAITO PARKWAY STE 140	PORTLAND	OR	97209	931181662	501(C)(3)	$30,000	COMMUNITY OUTREACH
CHILDREN'S MIRACLE NETWORK HOSPITALS
205 WEST 700 SOUTH	SALT LAKE CITY	UT	84101	870387205	501(C)(3)	$25,000	COMMUNITY OUTREACH
JOIN
1435 NE 81ST AVE STE 100	PORTLAND	OR	97292	931090005	501(C)(3)	$21,437	COMMUNITY OUTREACH
NEIGHBORHOOD HOUSE
7780 SW CAPITOL HWY	PORTLAND	OR	97219	930386875	501(C)(3)	$20,870	COMMUNITY OUTREACH
RANDALL CHILDREN'S HOSPITAL FOUNDATION
2801 N GATENBEIN AVE	PORTLAND	OR	97227	931314469	501(C)(3)	$15,200	COMMUNITY OUTREACH
UNITED WAY OF THE COLUMBIA-WILLAMETTE
619 SW 11TH AVE 300	PORTLAND	OR	97205	930582124	501(C)(3)	$10,100	COMMUNITY OUTREACH
THE NATURE CONSERVANCY
821 SE 14TH AVE	PORTLAND	OR	97214	530242652	501(C)(3)	$10,000	COMMUNITY OUTREACH
OREGON HUMANE SOCIETY
1067 NE COLUMBIA BLVD	PORTLAND	OR	97221	930386880	501(C)(3)	$10,000	COMMUNITY OUTREACH
ST CLARE SCHOOL
1807 FREEMAN	PORTLAND	OR	97219	930465871	501(C)(3)	$10,000	COMMUNITY OUTREACH
PARKS FOUNDATION OF CLARK COUNTY
1718 SE 7TH AVENUE	CAMAS	WA	98607	911986747	501(C)(3)	$6,500	COMMUNITY OUTREACH
GUIDE DOGS FOR THE BLIND
350 LOS RANCHITOS RD	SAN RAFAEL	CA	94903	941196195	501(C)(3)	$5,100	COMMUNITY OUTREACH
NORTH CLACKAMAS EDUCATION FOUNDATION
8800 SE SUNNYSIDE RT STE 121S	CLACKAMAS	OR	97015	931114786	501(C)(3)	$5,000	COMMUNITY OUTREACH
OREGON MUSEUM OF SCIENCE AND INDUSTRY
1945 SE WATER AVENUE	PORTLAND	OR	97214	930402877	501(C)(3)	$5,000	COMMUNITY OUTREACH

Field	Value	IRS element (for citing)
Total501c3 Org	20	Total501c3OrgCnt
Total Other Org	0	TotalOtherOrgCnt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2:	FormAndLineReferenceDesc
Explanation	ONPOINT REVIEWS REQUESTS FOR DONATIONS AND REQUESTS ALL RECIPIENTS PROVIDE A RECEIPT VERIFYING THEIR 501(C)(3) STATUS. NO FORMAL MONITORING OF GRANTS OR DONATIONS IS PERFORMED, BUT ONPOINT PERIODICALLY PERFORMS INFORMAL FOLLOW-UPS WITH RECIPIENTS. THE ANNUAL CLIFFORD C. DIAS LEADERSHIP SCHOLARSHIP PROGRAM WAS APPROVED BY THE BOARD, ALLOWING MR. DIAS TO SELECT RECIPIENTS AT HIS DISCRETION.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
First Class Or Charter Travel	Yes (X)	FirstClassOrCharterTravelInd
Travel For Companions	Yes (X)	TravelForCompanionsInd
Club Dues Or Fees	Yes (X)	ClubDuesOrFeesInd
Personal Services	Yes (X)	PersonalServicesInd
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
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (13 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
R STUART
PRESIDENT/CEO	$633,450	$0	$625,215	$0	$1,139,847	$0	$776,662	$0	$8,313	$0	$3,183,487	$0	$774,228	$0
J HUNT
SVP/CHIEF FINANCIAL OFFICER	$283,510	$0	$286,988	$0	$1,108,220	$0	$392,228	$0	$11,196	$0	$2,082,142	$0	$1,041,747	$0
S LEUGERS
SVP/CHIEF LENDING OFFICER	$241,463	$0	$134,563	$0	$19,189	$0	$291,364	$0	$23,252	$0	$709,831	$0	$0	$0
T MCVAY
SVP/CHIEF RETAIL OFFICER	$319,757	$0	$278,265	$0	$476,373	$0	$378,922	$0	$23,252	$0	$1,476,569	$0	$344,911	$0
J ARMSTRONG
SVP/CHIEF INFORMATION OFFICER	$283,097	$0	$248,655	$0	$322,977	$0	$338,689	$0	$16,583	$0	$1,210,001	$0	$293,397	$0
S OWEN
SVP/CHIEF OPERATIONS OFFICER	$180,396	$0	$228,655	$0	$378,122	$0	$28,000	$0	$13,564	$0	$828,737	$0	$310,997	$0
V ERVIN
SVP/CHIEF COMPLIANCE OFFICER	$215,775	$0	$192,725	$0	$16,200	$0	$263,347	$0	$7,729	$0	$695,776	$0	$0	$0
J DUNCKLEY
SVP/CHIEF TALENT OFFICER	$153,796	$0	$56,087	$0	$3,900	$0	$21,043	$0	$8,313	$0	$243,139	$0	$0	$0
M DEBUHR
VP/REGIONAL MANAGER	$128,137	$0	$47,869	$0	$463,754	$0	$88,122	$0	$14,943	$0	$742,825	$0	$50,000	$0
A EMERSON
VP/ONPOINT MORTGAGE	$126,383	$0	$418,243	$0	$7,080	$0	$126,907	$0	$15,709	$0	$694,322	$0	$0	$0
K LUIDHARDT
MORTGAGE LOAN OFFICER	$0	$0	$369,494	$0	$1,093	$0	$28,000	$0	$8,313	$0	$406,900	$0	$0	$0
M LINDSAY
VP/WEALTH MANAGEMENT	$133,024	$0	$219,756	$0	$1,373	$0	$28,000	$0	$8,313	$0	$390,466	$0	$0	$0
J RODGERS
MORTGAGE SALES MANAGER	$60,000	$0	$276,338	$0	$1,093	$0	$28,000	$0	$16,583	$0	$382,014	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (3 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART I, LINE 1A	* FIRST-CLASS TRAVEL - PRESIDENT/CEO & ALL DIRECTORS (10 PEOPLE); NOT TAXABLE TO INDIVIDUALS BECAUSE SUCH TRAVEL IS REASONABLE AND CUSTOMARY WITHIN THE INDUSTRY FOR HIGH-LEVEL EXECUTIVES. THE BOARD HAS APPROVED SUCH TRAVEL IN LIMITED CIRCUMSTANCES AND SUBSTANTIATION OF ALL EXPENSES IS REQUIRED. * TRAVEL FOR COMPANIONS - ALL DIRECTORS (9 PEOPLE); TAXABLE TO INDIVIDUALS * HEALTH OR SOCIAL CLUB DUES - PRESIDENT/CEO; TAXABLE TO INDIVIDUALS * PERSONAL SERVICES - PRESIDENT/CEO AND SENIOR EXECUTIVES (7 PEOPLE); TAXABLE TO INDIVIDUALS
PART I, LINE 4B	THE FOLLOWING INDIVIDUALS RECEIVED PAYMENT FROM A 457(F) SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN: R. STUART - $1,061,572 J. HUNT - $1,099,115 T. MCVAY - $451,139 J. ARMSTRONG - $306,764 S. OWEN - $367,445 M. DEBUHR - $462,772 AMOUNTS THAT WERE REPORTED AS DEFERRED ON PRIOR YEAR FORMS 990 ARE INCLUDED IN PART II, COLUMN F.
PART I:	THE BOARD OF DIRECTORS CONTROLS ALL COMPENSATION OR BENEFIT CHANGES THAT WOULD AFFECT THE PRESIDENT/CEO. ALL CHANGES TO THE PRESIDENT/CEO'S COMPENSATION AND BENEFITS ARE GOVERNED BY AN EMPLOYMENT CONTRACT AND ANY AMENDMENTS TO THE CONTRACT. THE COMPENSATION COMMITTEE REVIEWS THE PRESIDENT/CEO'S COMPENSATION PACKAGE EACH YEAR. THE SALARY SCHEDULE AND BENEFITS PROGRAM FOR THE PRESIDENT/CEO IS TIED TO GEOGRAPHIC STUDIES OF SALARIES AND BENEFITS PERFORMED BY PROFESSIONAL ORGANIZATIONS WITH EXPERTISE IN THE AREA OF COMPENSATION. THESE INCLUDED THE CARDWELL CONSULTING 2018 TOP CEO TOTAL COMPENSATION SURVEY REPORT AND THE 2018 TOWERS WATSON EXECUTIVE COMPENSATION PAY ASSESSMENT.

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	ONPOINT COMMUNITY CREDIT UNION IS A NATURAL PERSON CREDIT UNION, OWNED BY ITS MEMBERS. AT 12/31/19, THERE WERE 390,039 MEMBERS IN THE CREDIT UNION.
FORM 990, PART VI, SECTION A, LINE 7A	THE MEMBERS OF THE CREDIT UNION ELECT THE BOARD OF DIRECTORS FROM A SLATE OF CANDIDATES PUT FORTH BY THE NOMINATING COMMITTEE PRIOR TO THE ANNUAL MEETING. BOARD POSITIONS HAVE STAGGERED RENEWAL DATES IN THREE YEAR TERMS.
FORM 990, PART VI, SECTION A, LINE 7B	MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR.
FORM 990, PART VI, SECTION B, LINE 11B	INFORMATION FOR THE COMPLETION OF FORM 990 WAS GATHERED BY THE CREDIT UNION'S ACCOUNTING DEPARTMENT. AN OUTSIDE ACCOUNTING FIRM PREPARED THE TAX RETURN AND IT WAS PROVIDED TO THE BOARD OF DIRECTORS PRIOR TO FILING.
FORM 990, PART VI, SECTION B, LINE 12C	MONITORING OF THE CONFLICT OF INTEREST POLICY IS CONDUCTED THROUGH AN ANNUAL POLICY REVIEW. STAFF MEMBERS ARE REQUIRED EACH YEAR TO REVIEW, READ AND SIGN THE CONFLICT OF INTEREST POLICY. THE BOARD OF DIRECTORS ANNUALLY ADOPTS THE BOARD GOVERNANCE MANUAL, WHICH INCLUDES A CONFLICT OF INTEREST POLICY. AT THE POINT OF A POTENTIAL CONFLICT FOR A BOARD MEMBER, A PEER REVIEW IS CONDUCTED. ENFORCEMENT OF THE CONFLICT OF INTEREST POLICY FOR BOARD MEMBERS AND STAFF IS BASED ON A REVIEW OF POTENTIAL CONFLICTS AND, IF A CONFLICT EXISTS, MEDIATION OCCURS.
FORM 990, PART VI, SECTION B, LINE 15A	THE BOARD OF DIRECTORS CONTROLS ALL COMPENSATION OR BENEFIT CHANGES THAT WOULD AFFECT THE PRESIDENT/CEO. ALL CHANGES TO THE PRESIDENT/CEO'S COMPENSATION AND BENEFITS ARE GOVERNED BY AN EMPLOYMENT CONTRACT AND ANY AMENDMENTS TO THE CONTRACT. THE COMPENSATION COMMITTEE REVIEWS THE PRESIDENT/CEO'S COMPENSATION PACKAGE EACH YEAR. THE SALARY SCHEDULE AND BENEFITS PROGRAM FOR THE PRESIDENT/CEO IS TIED TO GEOGRAPHIC STUDIES OF SALARIES AND BENEFITS PERFORMED BY PROFESSIONAL ORGANIZATIONS WITH EXPERTISE IN THE AREA OF COMPENSATION. THESE INCLUDED THE CARDWELL CONSULTING 2018 TOP CEO TOTAL COMPENSATION SURVEY REPORT AND THE 2018 TOWERS WATSON EXECUTIVE COMPENSATION PAY ASSESSMENT.
FORM 990, PART VI, SECTION C, LINE 19	THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE MADE AVAILABLE UPON WRITTEN REQUEST.
FORM 990, PART IX, LINE 11G	ATM/POS CARD PROGRAM SERVICES 4,716,862. VISA DEBIT CARD PROGRAM SERVICES 5,369,410. VISA CREDIT CARD PROGRAM SERVICES 4,176,238. OUTSIDE PROFESSIONAL SERVICES 5,193,357. OTHER LOAN FEES 2,063,164. BUSINESS LOAN FEES 44,182. COLLECTIONS - OREO 3,466.

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp

Disregarded Entity Name DisregardedEntityName

Field	Value	IRS element (for citing)
Business Name Line1	ONPOINT SERVICE GROUP LLC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2701 NW VAUGHN ST STE 800	AddressLine1Txt
City	PORTLAND	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97210	ZIPCd

Field	Value	IRS element (for citing)
Primary Activities	INACTIVE	PrimaryActivitiesTxt
Legal Domicile State	OR	LegalDomicileStateCd
Total Income	$0	TotalIncomeAmt
End Of Year Assets	$0	EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

Field	Value	IRS element (for citing)
Business Name Line1	ONPOINT COMMUNITY CREDIT UNION	BusinessNameLine1Txt