2025-09-19T11:59:17-05:00 2024-12-31 331498605 PLANTE & MORAN PLLC 750 TRADE CENTRE WAY STE 300 PORTAGE MI 49002 990 2024-01-01 840470451 ENT CREDIT UNION ENTF 7195741100 11550 ENT PARKWAY COLORADO SPRINGS CO 80921 CHAD GRAVES PRESIDENT/CEO 7195741100 2025-09-16 1 1 JOSHUA NITZ CPA P01946955 2695674500 2025-09-16 2024 2025-03-06 01:10:19Z CHAD GRAVES 11550 ENT PARKWAY COLORADO SPRINGS CO 80921 654453621 0 X ENT.COM X 1991 CO THE MISSION OF ENT CREDIT UNION IS TO HELP MEMBERS IMPROVE THEIR FINANCIAL QUALITY OF LIFE. 9 9 1779 2 1187583 0 0 0 480612480 545503545 37088081 47619795 17121812 1572039 534822373 594695379 1999219 2475000 0 0 178415154 179913630 0 0 0 294024153 343021601 474438526 525410231 60383847 69285148 9792983683 9839179338 8893183868 8862411740 899799815 976767598 THE MISSION OF ENT CREDIT UNION IS TO IMPROVE MEMBERS' FINANCIAL QUALITY OF LIFE. 0 0 ENT CREDIT UNION SERVES 21 COUNTIES THROUGHOUT COLORADO, ALONG THE FRONT RANGE. THE CREDIT UNION IMPROVES OUR MEMBERS' FINANCIAL QUALITY OF LIFE BY OFFERING A FULL ARRAY OF PRODUCTS AND SERVICES, INCLUDING DEPOSITORY AND LOAN PRODUCTS, ATM/DEBIT PROGRAM, FINANCIAL EDUCATION, INSURANCE, AND INVESTMENT SALES. WE ENDED THE YEAR WITH 556,751 MEMBERS. THERE WERE 67,592 LOANS GRANTED TOTALING $3,066,494,278. ENT CREDIT UNION CURRENTLY OFFERS 59 BRANCH LOCATIONS WITH A WIDE ARRAY OF REMOTE OPTIONS THROUGH OUR COOPERATION WITH THE COOP ATM NETWORK, SHARED BRANCH NETWORK, AND ONLINE MOBILE BANKING SOLUTIONS. 0 0 0 0 0 0 0 1 0 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 173757 0 1 1779 1 1 1 0 0 0 0 0 1 0 X 9 9 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 1 0 X CHAD GRAVES 7195741100 11550 ENT PARKWAY COLORADO SPRINGS CO 80921 GRAVES CHAD M PRESIDENT/CEO 40.00 0.00 X 1359628 0 536288 LECLERC DAN N CHIEF FINANCIAL OFFICER 40.00 0.00 X 585356 0 263788 GENDRON MATTHEW J CHIEF ENGAGEMENT OFFICER 40.00 0.00 X 999623 0 45956 SCHOLES RICHARD A CHIEF EXPERIENCE OFFICER - PART YEAR 40.00 0.00 X 884243 0 44542 CHIPPINDALE CHRISTOPHER CHIEF EXPERIENCE OFFICER - PART YEAR 40.00 0.00 X 516488 0 138246 BELL MOLLIE B CHIEF DEVELOPMENT OFFICER 40.00 0.00 X 735146 0 89107 MARSHALL CHRISTOPHER J CHIEF TECHNOLOGY OFFICER 40.00 0.00 X 763399 0 46262 SUSSMAN JENNIFER S CHIEF MARKETING OFFICER - PART YEAR 40.00 0.00 X 695280 0 132804 PAUKOVICH JON A CHIEF LENDING OFFICER 40.00 0.00 X 565652 0 112345 DOMBROWSKI STEPHANIE S MORT LOAN OFFICER 40.00 0.00 X 1156359 0 50397 DUBOUE TANYA L FINANCIAL ADVISOR SR 40.00 0.00 X 473803 0 46791 KOURI JESSICA S FINANCIAL ADVISOR SR 40.00 0.00 X 455760 0 43783 FISTANI EUGENE A FINANCIAL ADVISOR SR 40.00 0.00 X 401301 0 50118 HARRIS MATTHEW E FINANCIAL ADVISOR SR 40.00 0.00 X 385240 0 40075 NICHOLSON PAMELA BOARD CHAIR 1.00 0.00 X X 83733 0 0 VADALA CHRIS VICE CHAIRMAN 1.00 0.00 X X 77918 0 0 GLOVER WALTER TREASURER 1.00 0.00 X X 75884 0 0 GALGANO JEFFREY SECRETARY 1.00 0.00 X X 75425 0 0 AYEN WILLIAM DIRECTOR 1.00 0.00 X 77672 0 0 DRUMMER TIMOTHY DIRECTOR 1.00 0.00 X 72803 0 0 FARMER SHANNA DIRECTOR 1.00 0.00 X 55000 0 0 HENZE KATRINA DIRECTOR 1.00 0.00 X 71875 0 0 IRIZARRY SARAH DIRECTOR 1.00 0.00 X 43198 0 0 MARTINEZ RON DIRECTOR - PART YEAR 1.00 0.00 X 35750 0 0 10646536 0 1640502 356 1 1 0 KEYS & LAURER ARCHITECTS 11681 VOYAGER PKWY SUITE 200 COLORADO SPRINGS CO 80921 ARCHITECTURAL PLANNING AND DESIGN 749314 CROWE LLP PO BOX 71570 CHICAGO IL 60694 CONSULTING, SOFTWARE 611179 ALM FIRST FINANCIAL ADVISORS 3800 MAPLE AVE SUITE 600 DALLAS TX 75219 FINANCIAL ADVISORY & CONSULTING 517645 OPTIMAL BLUE LLC PO BOX 844004 DALLAS TX 75284 VALUATION CONSULTING AND SOFTWARE 259242 PLANTE & MORAN PLLC 3000 TOWN CENTER SUITE 100 SOUTHFIELD MI 48075 FINANCIAL AUDIT & ADVISORY SERVICES 239686 15 INTEREST ON LOANS 522100 442944069 442944069 FEES/CHARGES/OTHER 522100 86882148 86882148 GAIN ON SALE OF LOANS 522100 11272372 11272372 BROKERAGE COMMISSIONS 900099 3218444 3218444 FEES/CHARGES/OTHER-NON 522100 1186512 1186512 545503545 39525429 39525429 624169 624169 74515 0 74515 74515 74515 67779993 72615 59637367 120875 8142626 -48260 8094366 8094366 NON-OPERATING INCOME 900099 872284 872284 1071 1071 873355 594695379 553283683 1187583 40224113 2375000 100000 9083411 129045637 12547538 18290024 10947020 768566 341687 124791 7138204 17702680 17365287 18027816 13963869 879768 157397981 19844015 984941 PROVISION FOR LOAN LOSS 61970226 DEBIT CARD SERVICES 12800657 LOAN SERVICING EXPENSE 7290526 MEMBER CHECK ORDER EXPE 206345 6214242 525410231 40512308 46991547 375664833 247685047 5325200 5234049 8150268450 8380629962 16527590 22052602 422906482 87882392 334041591 335024090 621428782 536464851 15672600 7265500 8000000 7666666 225542329 250165024 9792983683 9839179338 156246741 140232945 42215400 49139633 403248583 50233352 8291473144 8622805810 8893183868 8862411740 X 0 0 0 0 899799815 976767598 899799815 976767598 9792983683 9839179338 X 69285148 8600897 -918262 X 0 1 X 1 0 1 42215400 120246373 113322141 49139632 1 X 52382258 52382258 254228852 36976793 217252059 22113754 7329210 14784544 94181618 43576389 50605229 335024090 CHECKING ACCOUNTS 1915946765 SHARE SAVINGS ACCOUNTS 1975638801 MONEY MARKET ACCOUNTS 1655978024 HSA ACCOUNTS 14734469 IRA SHARE SAVINGS 48640432 SHARE AND IRA CERTIFICATES 2951046235 LEASE LIABILITIES 60821084 8622805810 X PART IV, LINE 1B: ENT CREDIT UNION SERVICES LOANS FOR THIRD-PARTY ENTITIES THAT ARE NOT SHOWN ON FORM 990, PART X. THE LOANS ARE SERVICED FOR THE FEDERAL NATIONAL MORTGAGE ASSOCIATION (FNMA); THE FEDERAL HOME LOAN BANK (FHLB); AND THE GOVERNMENT NATIONAL MORTGAGE ASSOCIATION (GNMA). ENT ALSO SERVICES LOANS THAT WERE SOLD IN AN ASSET-BACKED SECURITIZATION TO VARIOUS INVESTORS, AS WELL AS SERVICES SOLD PARTICIPATION LOANS TO VARIOUS BANKS AND CREDIT UNIONS. PART IV, LINE 2B: ESCROW ACCOUNTS ARE MAINTAINED FOR THE TAXES AND INSURANCE PAYABLE ON THE REAL ESTATE SECURING THE CREDIT UNION'S MORTGAGE LOANS. THE ESCROWS MAINTAINED AT THE CREDIT UNION FOR TAXES AND INSURANCE PAYABLE INCLUDE LOANS TO THE FEDERAL NATIONAL MORTGAGE ASSOCIATION (FNMA), THE FEDERAL HOME LOAN BANK (FHLB), AND THE GOVERNMENT NATIONAL MORTGAGE ASSOCIATION (GNMA) FOR WHICH ENT CREDIT UNION RETAINS SERVICING. PART X, LINE 2: THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL AND STATE INCOME TAXES. HOWEVER, THE CREDIT UNION MAY BE SUBJECT TO UNRELATED BUSINESS INCOME TAX. ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA REQUIRE MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE CREDIT UNION AND RECOGNIZE A TAX LIABILITY IF THE CREDIT UNION HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD NOT BE SUSTAINED UPON EXAMINATION BY THE INTERNAL REVENUE SERVICE (IRS) OR OTHER APPLICABLE TAXING AUTHORITIES. MANAGEMENT HAS ANALYZED THE TAX POSITIONS TAKEN BY THE CREDIT UNION AND HAS CONCLUDED THAT, AS OF DECEMBER 31, 2024 AND 2023, THERE ARE NO UNCERTAIN POSITIONS TAKEN OR EXPECTED TO BE TAKEN THAT WOULD REQUIRE RECOGNITION OF A LIABILITY OR DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS. THE CREDIT UNION IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS. 1 AIMS COMMUNITY COLLEGE 5401 W 20TH ST GREELEY CO 80634 840802870 501(C)3 8000 0 N/A N/A SCHOLARSHIP SUPPORT ALZHEIMER'S ASSOCIATION 455 N SHERMAN STREET DENVER CO 80203 133039601 501(C)3 6000 0 N/A N/A WALK TO END ALZHEIMER'S ARAPAHOE COMMUNITY COLLEGE 5900 SOUTH SANTA FE DRIVE LITTLETON CO 80120 521358578 501(C)3 25000 0 N/A N/A SCHOLARSHIP SUPPORT ARAPAHOE COMMUNITY COLLEGE FOUNDATION 5900 SOUTH SANTA FE DRIVE LITTLETON CO 80120 237093127 501(C)3 25000 0 N/A N/A SCHOLARSHIP SUPPORT AURORA ARAPAHOE BATTERED WOMEN'S SHELTER (DBA GATEWAY DOMESTIC VIOLENCE SER PO BOX 914 AURORA CO 80040 840815774 501(C)3 6000 0 N/A N/A CORKS FOR A CAUSE WINE TASTING, EMERGENCY SHELTER PROGRAM BAL SWAN CHILDREN'S CENTER 1145 E 13TH AVE BROOMFIELD CO 80020 840535171 501(C)3 8000 0 N/A N/A EMERGENCY FUND, BAL SWAN COMMUNITY FAMILY FEST BRONCOS FOUNDATION 13655 BRONCOS PARKWAY ENGLEWOOD CO 80112 841305294 501(C)3 138000 0 N/A N/A ANNUAL SUPPORT AND "ENTERCEPTION" PAYMENT CARE & SHARE INC 2605 PREAMBLE PT COLORADO SPRINGS CO 80915 840731930 501(C)3 97785 0 N/A N/A RECEIPT FOR HOPE, TRUCK, ANNIVERSARY TICKETS CASA OF THE PIKES PEAK REGION INC 418 S WEBER STREET COLORADO SPRINGS CO 80903 841115548 501(C)3 10000 0 N/A N/A CASA OF THE PIKES PEAK REGION: CASA GOES MARDI GRAS CATHOLIC CHARITIES OF CENTRAL COLORADO 228 NORTH CASCADE AVENUE COLORADO SPRINGS CO 80903 840586169 501(C)3 91000 0 N/A N/A SHAMROCK SHINDIG (ST. PATRICK'S DAY EVENT), HUNT FAMILY HOUSING CHILDREN'S ADVOCACY CENTER FOR THE PIKES 2335 ROBINSON STREET COLORADO SPRINGS CO 80904 841241767 501(C)3 58025 0 N/A N/A SAFE PASSAGE LUNCHEON, GENERAL OPERATING SUPPORT, SHORTS WEEK CHILDREN'S HOSPITAL COLORADO FOUNDATION 13123 E 16TH AVENUE BOX 045 AURORA CO 80045 840813462 501(C)3 265250 0 N/A N/A GENERAL SUPPORT, ENDOWMENT CHILDREN'S LITERACY CENTER 2928 STRAUS LANE SUITE 100 COLORADO SPRINGS CO 80907 841209272 501(C)3 7500 0 N/A N/A AFTER SCHOOL TUTORING, GALA CHILDSAFE COLORADO INC 2001 SOUTH SHIELDS STREET BUILDING K FORT COLLINS CO 80526 311581377 501(C)3 12500 0 N/A N/A FOR THE LOVE OF BEER, SHORTS WEEK CITY OF MANITOU SPRINGS CARNEGIE LIBRARY 701 MANITOU AVENUE MANITOU SPRINGS CO 80829 846000692 501(C)3 15000 0 N/A N/A PARTNERSHIP AGREEMENT CLOTHES TO KIDS OF DENVER INC 2890 S COLORADO BLVD SUITE M3 DENVER CO 80222 262148733 501(C)3 7500 0 N/A N/A CLOTHES TO KIDS OF DENVER BOUTIQUE & CURBSIDE SERVICE COLORADO SPRINGS CONSERVATORY 415 S SAHWATCH ST COLORADO SPRINGS CO 80903 841502211 501(C)3 7500 0 N/A N/A CSCS PRINCIPAL & PARTNER PROGRAMS COLORADO SPRINGS POLICE FOUNDATION 10 LAKE CIRCLE COLORADO SPRINGS CO 80906 270926740 501(C)3 12500 0 N/A N/A MEDAL OF VALOR DENVER SCHOLARSHIP FOUNDATION 2080 S QUEBEC ST DENVER CO 80231 205143175 501(C)3 15000 0 N/A N/A ANNUAL GALA SCHOLARSHIP PROGRAM DREAM CENTERS OF COLORADO SPRINGS 11025 VOYAGER PKWY COLORADO SPRINGS CO 80921 274876080 501(C)3 7500 0 N/A N/A MARY'S HOME BIG DREAM EARLY LEARNING DUMB FRIENDS LEAGUE 2080 S QUEBEC ST DENVER CO 80231 840405254 501(C)3 7500 0 N/A N/A PET ASSIST, FURRY SCURRY EARLY CONNECTIONS LEARNING CENTERS 104 E RIO GRANDE STREET COLORADO SPRINGS CO 80903 840632406 501(C)3 96500 0 N/A N/A BOOKS AT HOME, BUILDING AT HOME LIBRARIES A PROGRAM OF EARLY CONNECTIONS LEARNING CENTERS EMPTY STOCK FUND 30 E PIKES PEAK AVE SUITE 100 COLORADO SPRINGS CO 80903 841526179 501(C)3 10000 0 N/A N/A GAZETTE CHARITIES FOUNDATION FEEDING OUR COMMUNITY OURSELVES INC PO BOX 242 FORT COLLINS CO 80522 461283773 501(C)3 10000 0 N/A N/A KIDS FEEDING KIDS (KFK) SUMMER FAMILY BREAKFAST PROGRAM FRESH FOOD CONNECT 5610 S CURTICE ST LITTLETONE CO 80120 825180956 501(C)3 7500 0 N/A N/A FRESH FOOD CONNECT COLORADO NETWORK FRONT RANGE COMMUNITY COLLEGE 3645 W 112TH AVE WESTMINSTER CO 80031 841311148 501(C)3 100000 0 N/A N/A PARTNERSHIP AGREEMENT GOODWILL OF COLORADO 1460 GARDEN OF THE GODS ROAD COLORADO SPRINGS CO 80907 840513404 501(C)3 46000 0 N/A N/A ENCHANTED WEEKEND HABITAT FOR HUMANITY METRO DENVER INC 7535 E HAMPDEN DENVER CO 80231 742050021 501(C)3 13000 0 N/A N/A CREDIT UNIONS BUILDING COMMUNITY HABITAT FOR HUMANITY OF FORT COLLINS 1600 PALM DRIVE FORT COLLINS CO 80526 841217901 501(C)3 100000 0 N/A N/A BUILD THE CHANGE SUPPORT INTERFAITH HOSPITALITY NETWORK PO BOX 682 COLORADO SPRINGS CO 80901 841366832 501(C)3 7500 0 N/A N/A FAMILY PROMISE OF COLORADO SPRINGS DAY CENTER REMODEL KIDPOWER OF COLORADO INC 2335 ROBINSON STREET COLORADO SPRINGS CO 80904 841312785 501(C)3 7500 0 N/A N/A KIDPOWERS CHOCOHOLIC FROLIC: CELEBRATING 30 YEARS OF PROTECTING THE MAGIC OF CHILDHOOD METROPOLITAN STATE UNIVERSITY OF DENVER 890 AURARIA PARKWAY DENVER CO 80204 840576459 501(C)3 25000 0 N/A N/A FOOD PANTRY MILE HIGH UNITED WAY 711 PARK AVENUE WEST DENVER CO 80205 840404235 501(C)3 12000 0 N/A N/A EMPLOYEE CAMPAIGN NATIONAL CREDIT UNION FOUNDATION 5910 MINERAL POINT RD MADISON WI 53705 391383650 501(C)3 25000 0 N/A N/A ANNUAL SUPPORT PAT SURTAIN FOUNDATION 59 CAVALIER BLVD SUITE 310 FLORENCE KY 41042 208007872 501(C)3 35000 0 N/A N/A INSPIRATION ROOM PIKES PEAK COMMUNITY FOUNDATION 315 E PIKES PEAK AVE SUITE 120 COLORADO SPRINGS CO 80903 841339670 501(C)3 10000 0 N/A N/A PORTAL SUPPORT CORNERSTONE PROGRAM SUPPORT PIKES PEAK UNITED WAY 518 NORTH NEVADA AVENUE COLORADO SPRINGS CO 80903 840511799 501(C)3 175500 0 N/A N/A ALICE, 2-1-1 PROGRAM, RAY OF HOPE CANCER FOUNDATION 1385 S COLORADO BLVD SUITE 108 DENVER CO 80222 270029283 501(C)3 15000 0 N/A N/A FAMILY HOPE RESPITE CARE INC 6203 S LEMAY AVENUE FORT COLLINS CO 80525 840840653 501(C)3 9000 0 N/A N/A RESPITE CARE HOLIDAY BALL, GENERAL SUPPORT, ROCKY MOUNTAIN DOWN SYNDROME ASSOCIATION INC 3033 S PARKER RD STE 504 AURORA CO 80014 742237307 501(C)3 5500 0 N/A N/A RMDSA IEP CONSULTATION AND EDUCATION SERVICES RONALD MCDONALD HOUSE 4223 ROYAL PINE DR COLORADO SPRINGS CO 80920 841013843 501(C)3 8200 0 N/A N/A ENT ROOMS, RADIOTHON SAFEHOUSE DENVER 1649 N DOWNING ST DENVER CO 80218 840745911 501(C)3 9000 0 N/A N/A SAFEHOUSE DENVER FAMILY PROGRAM, SAMPLING FOR HOPE EVENT, FAMILY PROGRAM SUPPORT SECORCARES 17151 PINE LANE PARKER CO 80134 204226894 501(C)3 5500 0 N/A N/A SPARKING SOIREE SPECIAL KIDS SPECIAL FAMILIES 1915 AEROTECH DR SUITE 100 COLORADO SPRINGS CO 80916 841476535 501(C)3 10000 0 N/A N/A SERVING LOW-INCOME CHILDREN WITH DEVELOPMENTAL DISABILITIES TESSA 435 GOLD PASS HTS COLORADO SPRINGS CO 80906 840746803 501(C)3 12500 0 N/A N/A SAFEHOUSE SUPPORT, PASTA IN THE PARK SPONSORSHIP THE PLACE 423 E CUCHARRAS STREET COLORADO SPRINGS CO 80903 841549702 501(C)3 9000 0 N/A N/A SERVICES FOR YOUTH EXPERIENCING HOMELESSNESS, THERE WITH CARE 2825 WILDERNESS PLACE SUITE 100 BOULDER CO 80301 680606330 501(C)3 6000 0 N/A N/A FAMILY STABILIZATION FOR CHILDREN FACING CRITICAL ILLNESS UNITED WAY OF LARIMER COUNTY 525 WEST OAK ST STE 101 FORT COLLINS CO 805212654 846031503 501(C)3 50000 0 N/A N/A ANNUAL CAMPAIGN LOVELAND YOUTH CAMPUS, CORNERSTONE PROGRAM SUPPORT UNITED WAY OF PUEBLO COUNTY INC 310 E ABRIENDO AVE STE 300 PUEBLO CO 81004 840404917 501(C)3 11000 0 N/A N/A ANNUAL CAMPAIGN, CORNERSTONE PROGRAM SUPPORT UNITED WAY OF WELD COUNTY 814 9TH STREET GREELEY CO 80631 846011918 501(C)3 11000 0 N/A N/A ANNUAL CAMPAIGN, CORNERSTONE GIFT UNIVERSITY OF COLORADO COLORADO SPRINGS 1420 AUSTIN BLUFFS PARKWAY COLORADO SPRINGS CO 80918 846049811 501(C)3 174171 0 N/A N/A ANNUAL SCHOLARSHIP PROGRAM, ECONOMIC FORUM, SCHOLARSHIPS WE FORTIFY 1816 WOOD AVE COLORADO SPRINGS CO 80907 843045036 501(C)3 7500 0 N/A N/A WORKING FUSION AT MILL STREET GALA WELD FOOD BANK 1108 H STREET GREELEY CO 80631 742244826 501(C)3 5500 0 N/A N/A STONE SOUP, BACKPACK PROGRAM WORLD COUNCIL OF CREDIT UNIONS 5710 MINERAL POINT RD MADISON WI 53705 396093210 501(C)3 10000 0 N/A N/A MEMBERSHIP/SUPPORT 54 COMMUNITY ADVOCATE AWARDS 8 100000 N/A FOR EXTRAORDINARY INDIVIDUALS WHO HAVE MADE A SIGNIFICANT IMPACT ON OUR COMMUNITY PART I, LINE 2: ENT TRACKS ALL GRANTS VIA AN EXCEL SPREADSHEET MANAGED BY OUR COMMUNITY ADVOCACY DEPARTMENT. THIS IS UPDATED MONTHLY. ENT MAKES CONTRIBUTIONS TO ORGANIZATIONS, AGENCIES AND ACTIVITIES SERVING THE FOLLOWING PURPOSES: EDUCATION, HEALTH, HUMAN SERVICES, COMMUNITY (INCLUDING CULTURAL) DEVELOPMENT, ECONOMIC DEVELOPMENT AND MILITARY RECOGNITION AND MORALE. ALL CONTRIBUTIONS ARE TO ORGANIZATIONS IN THE COMMUNITIES WE SERVE AND/OR SUPPORT THE CREDIT UNION MOVEMENT. X X 1 1 X X X X 1 1 0 GRAVES CHAD M PRESIDENT/CEO 925000 0 412830 0 21798 0 516050 0 20238 0 1895916 0 0 0 LECLERC DAN N CHIEF FINANCIAL OFFICER 416875 0 114732 0 53749 0 243550 0 20238 0 849144 0 0 0 GENDRON MATTHEW J CHIEF ENGAGEMENT OFFICER 507926 0 139791 0 351906 0 31050 0 14906 0 1045579 0 0 0 SCHOLES RICHARD A CHIEF EXPERIENCE OFFICER - PART YEAR 507926 0 139791 0 236526 0 31050 0 13492 0 928785 0 0 0 CHIPPINDALE CHRISTOPHER CHIEF EXPERIENCE OFFICER - PART YEAR 333060 0 91665 0 91763 0 130994 0 7252 0 654734 0 0 0 BELL MOLLIE B CHIEF DEVELOPMENT OFFICER 507926 0 139791 0 87429 0 71050 0 18057 0 824253 0 0 0 MARSHALL CHRISTOPHER J CHIEF TECHNOLOGY OFFICER 428967 0 112439 0 221993 0 31050 0 15212 0 809661 0 0 0 SUSSMAN JENNIFER S CHIEF MARKETING OFFICER - PART YEAR 402735 0 110841 0 181704 0 121050 0 11754 0 828084 0 0 0 PAUKOVICH JON A CHIEF LENDING OFFICER 416626 0 114664 0 34362 0 95050 0 17295 0 677997 0 0 0 DOMBROWSKI STEPHANIE S MORT LOAN OFFICER 50000 0 1101215 0 5144 0 31050 0 19347 0 1206756 0 0 0 DUBOUE TANYA L FINANCIAL ADVISOR SR 55000 0 231479 0 187324 0 27442 0 19349 0 520594 0 0 0 KOURI JESSICA S FINANCIAL ADVISOR SR 55000 0 236237 0 164523 0 24226 0 19557 0 499543 0 0 0 FISTANI EUGENE A FINANCIAL ADVISOR SR 55000 0 206344 0 139957 0 30561 0 19557 0 451419 0 0 0 HARRIS MATTHEW E FINANCIAL ADVISOR SR 55000 0 182369 0 147871 0 31050 0 9025 0 425315 0 0 0 MARTINEZ RON DIRECTOR - PART YEAR 35750 0 0 0 0 0 0 0 0 0 35750 0 0 0 PART 1, LINE 1A: BOARD MEMBERS ARE PROVIDED A TRAVEL AND TRAINING BUDGET. THESE FUNDS ARE USED AS EACH BOARD MEMBER DECIDED WHICH TRAINING TO ATTEND. ALL TRAVEL AND TRAININGS ARE FOR BUSINESS PURPOSES. SPOUSE/GUEST TRAVEL EXPENSES COME OUT OF THIS BUDGET. EACH YEAR, SPOUSE/GUEST TRAVEL IS REPORTED AS INCOME ON FORM 1099-NEC. PART 1, LINE 4B: THE CREDIT UNION MAINTAINS THREE DEFERRED COMPENSATION PLANS COVERING CERTAIN MEMBERS OF MANAGEMENT. DURING 2024, THE FOLLOWING BENEFITS WERE ACCRUED: CHAD M. GRAVES - 457(F): $485,000 JON A. PAUKOVICH - 457(F): $64,000 DANIEL N. LECLERC - 457(F): $212,500 MOLLIE B. BELL - 457(F): $40,000 JENNIFER S. SUSSMAN - 457(F): $90,000 CHRISTOPHER CHIPPINDALE - 457(F): $100.000 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION HAS MEMBERS AND THE FIELD OF MEMBERSHIP OF THIS CREDIT UNION SHALL BE LIMITED TO THOSE HAVING THE FOLLOWING COMMON BOND: A. PERSONS WHO LIVE, WORK, WORSHIP OR ATTEND SCHOOL WITHIN ADAMS, ALAMOSA, ARAPAHOE, BOULDER, BROOMFIELD, COSTILLA, CROWLEY, CUSTER, DENVER, DOUGLAS, ELBERT, EL PASO, FREMONT, HUERFANO, JEFFERSON, LARIMER, LAS ANIMAS, OTERO, PUEBLO, TELLER AND WELD COUNTIES, COLORADO; B. MEMBERS OF RECORD OF THIS CREDIT UNION AS OF THE DATE OF ITS CONVERSION TO A COMMUNITY CHARTER; C. EMPLOYEES OF THIS CREDIT UNION; D. MEMBERS OF THEIR IMMEDIATE FAMILIES OR HOUSEHOLDS; AND E. ORGANIZATIONS OF SUCH PERSONS. F. AS A RESULT OF MERGERS: FORMER MEMBERS OF MOUNTAIN BELL CREDIT UNION, BUCKLEY FEDERAL CREDIT UNION, FIRST CHARTER FEDERAL CREDIT UNION, DECIBEL COMMUNITY CREDIT UNION, AND US ALLIANCE FEDERAL CREDIT UNION. G. ANYONE WHO IS A MEMBER OF THE AMERICAN CONSUMER COUNCIL (ACC) FORM 990, PART VI, SECTION A, LINE 7A OUR 556,751 MEMBERS EACH ARE ALLOWED ONE VOTE DURING EACH BOARD ELECTION. 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, SUCH AS CERTAIN MERGER OPPORTUNITIES AND POTENTIAL CHARTER CONVERSIONS. FORM 990, PART VI, SECTION B, LINE 11B THE 990 IS PREPARED BY AN OUTSIDE ACCOUNTING FIRM HIRED FOR SUCH PURPOSE. DATA AND OTHER INFORMATION IS SUPPLIED TO THAT FIRM TO USE IN PREPARATION OF THE DOCUMENT. A COPY OF FORM 990 WILL BE PROVIDED TO THE BOARD OF DIRECTORS FOR REVIEW AFTER FILING. FORM 990, PART VI, SECTION B, LINE 12C THE INTERNAL AUDIT DEPARTMENT PERFORMS ANNUAL TESTING ON EMPLOYEE AND OFFICIAL ACCOUNTS FOR RATES, TERMS & CONDITIONS CONSISTENT WITH WHAT WOULD BE OFFERED TO THE GENERAL MEMBERSHIP OUTSIDE OF THE ALLOWED EMPLOYEE DISCOUNT. ANNUALLY A BOARD MONITORING REPORT IS COMPLETED TO ATTEST FOR PURCHASES WHERE NORMALLY PRUDENT PROTECTIONS HAVE BEEN GIVEN AGAINST CONFLICT OF INTEREST. THIS WAS LAST COMPLETED IN 2024. FORM 990, PART VI, SECTION B, LINE 15 ENT CREDIT UNION PARTICIPATES IN MULTIPLE, PERIODIC (TYPICALLY ANNUAL) INDUSTRY SALARY SURVEYS, FOR ALL LEVELS OF THE ORGANIZATION, IN ORDER TO ASSESS MARKET PAY PRACTICES AND PROVIDE SUPPORTING DATA FOR INTERNAL RECOMMENDATIONS AND DECISIONS REGARDING PAY STRUCTURES AND INCREASES BASED ON STRATEGIC GOALS AND INITIATIVES. THE LAST COMPENSATION REVIEW WAS DONE IN 2024. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION'S GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNION'S CONFLICT OF INTEREST POLICY IS NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNION'S FINANCIAL STATEMENTS ARE AVAILABLE FOR PUBLIC VIEWING ON NCUA.GOV VIA THE QUARTERLY 5300 FILING. FORM 990, PART XI, LINE 9: RECLASSIFICATION ADJUSTMENT FOR NET HEDGING LOSSES -1,270,923. NET CHANGE IN POST RETIREMENT BENEFITS 352,661. ENTERPRISE FIRST FINANCIAL SERVICES LLC 11550 ENT PARKWAY COLORADO SPRINGS CO 80921 841514066 INSURANCE PRODUCTS CO 0 50000 ENT CREDIT UNION ENT AUTO RECEIVABLES LLC 11550 ENT PARKWAY COLORADO SPRINGS CO 80921 933170149 SPECIAL PURPOSE SUBSIDIARY FOR SECURITIZATION ISSUANCE DE 0 0 ENT CREDIT UNION