ONPOINT COMMUNITY CREDIT UNION: Form 990, tax year 2018

View the entire original 990 at ProPublica ↗

Organization: ONPOINT COMMUNITY CREDIT UNION (EIN 93-0257765)
Tax period: 2018-01-01 to 2018-12-31
Filed: 2019-05-10
IRS object ID: 201941309349303759
Schema version: 2018v3.1
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	2019-05-10T12:04:33-05:00	ReturnTs
Tax Period End	2018-12-31	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	2018-01-01	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	2019-05-10	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	2019-05-08	PreparationDt

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	12.129.7.100	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2019-05-10	IPDt
IP Tm	12:01:42	IPTm
IP Timezone	PD	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	DA39A3EE5E6B4B0D3255BFEF95601890AFD80709	AtSubmissionCreationDeviceId
At Submission Filing Device Id	CEB32098E0DA78823741A708D31426FEC07C0BDB	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2018	TaxYr
Build TS	2019-02-21 02:37:17Z	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	$349,952,714	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	841	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$987,940	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$181,755,146	PYProgramServiceRevenueAmt
CY Program Service Revenue	$211,046,223	CYProgramServiceRevenueAmt
PY Investment Income	$20,072,098	PYInvestmentIncomeAmt
CY Investment Income	$26,103,206	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$201,827,244	PYTotalRevenueAmt
CY Total Revenue	$237,149,429	CYTotalRevenueAmt
PY Grants And Similar Paid	$509,798	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$549,781	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$60,750,378	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$65,732,230	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$76,292,401	PYOtherExpensesAmt
CY Other Expenses	$90,829,548	CYOtherExpensesAmt
PY Total Expenses	$137,552,577	PYTotalExpensesAmt
CY Total Expenses	$157,111,559	CYTotalExpensesAmt
PY Revenues Less Expenses	$64,274,667	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$80,037,870	CYRevenuesLessExpensesAmt
Total Assets BOY	$5,129,362,102	TotalAssetsBOYAmt
Total Assets EOY	$5,392,942,516	TotalAssetsEOYAmt
Total Liabilities BOY	$4,582,061,041	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$4,758,742,273	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$547,301,061	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$634,200,243	NetAssetsOrFundBalancesEOYAmt
Mission	THE PURPOSE OF ONPOINT IS TO PROMOTE THE FINANCIAL WELL-BEING OF OUR MEMBERS BY BEING THE PREFERRED PROVIDER OF CONSUMER PRODUCTS AND SERVICES AND TO ENSURE THE SAFETY AND SOUNDNESS OF OUR CREDIT UNION.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	IN 2018, MEMBERSHIP IN THE CREDIT UNION GREW TO 361,518 MEMBERS. ONPOINT COMMUNITY CREDIT UNION PROVIDED THE MEMBERSHIP WITH FINANCIAL SERVICES, INCLUDING THE PROVISION OF 206,736 LOANS AND 783,055 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
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
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 With Officer Ent	0	BusinessRlnWithOfficerEntInd
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	100049	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	841	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 (22 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 CHAIR	13.00	Yes (X)	Yes (X)	$36,150	$0	$0
L JOHNSON
BOARD VICE CHAIR	6.50	Yes (X)	Yes (X)	$28,561	$0	$0
M MROCZEK
BOARD SECRETARY	6.50	Yes (X)	Yes (X)	$29,134	$0	$0
C HARMS
DIRECTOR	6.50	Yes (X)		$32,552	$0	$0
K SCHWARTZROCK
DIRECTOR	6.50	Yes (X)		$27,900	$0	$0
K THOMAJAN
DIRECTOR	6.50	Yes (X)		$15,669	$0	$0
S NARENDRA
DIRECTOR	6.50	Yes (X)		$27,900	$0	$0
K MORRIS
DIRECTOR	6.50	Yes (X)		$28,166	$0	$0
S GOLDSCHMIDT
DIRECTOR	6.50	Yes (X)		$26,679	$0	$0
L SCHULWITZ
DIRECTOR	6.50	Yes (X)		$15,398	$0	$0
R STUART
PRESIDENT/CEO	50.00		Yes (X)	$1,361,344	$0	$792,682
J HUNT
SVP/CHIEF FINANCIAL OFFICER	45.00		Yes (X)	$1,001,556	$0	$157,760
S LEUGERS
SVP/CHIEF LENDING OFFICER	45.00		Yes (X)	$351,331	$0	$264,011
T MCVAY SVPCHIEF
RETAIL OFFICER & WEALTH MGMT EXEC	45.00			$624,825	$0	$405,281	Yes (X)
J ARMSTRONG SVPCHIEF
INFO OFFICER & HR EXEC	45.00			$578,295	$0	$361,302	Yes (X)
S OWEN
SVP/CHIEF OPERATIONS OFFICER	45.00			$549,010	$0	$364,637	Yes (X)
V ERVIN
SVP/CHIEF COMPLIANCE OFFICER	45.00			$402,782	$0	$256,196	Yes (X)
A EMERSON
VP/ONPOINT MORTGAGE	45.00			$418,729	$0	$88,177		Yes (X)
C MILAM
VP/CREDIT ADMINISTRATION	45.00			$333,937	$0	$44,585		Yes (X)
M MONTGOMERY
MORTGAGE LOAN OFFICER	45.00			$305,410	$0	$35,836		Yes (X)
M LINDSAY
INVESTMENT MANAGER	45.00			$292,780	$0	$28,305		Yes (X)
T REINK
MORTGAGE LOAN OFFICER	45.00			$274,904	$0	$50,675		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$6,763,012	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$2,849,447	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	108	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
WEBER MARKETING GROUP
225 TERRY AVE N SUITE 400	SEATTLE	WA	98109	MARKETING AND PROMOTIONAL	$4,888,899
PAYMENT SYSTEMS FOR CREDIT UNIONS
560 CARILLON PARKWAY	ST PETERSBURG	FL	33716	CREDIT CARD PROCESSING	$3,558,074
FISERV
75 REMITTANCE DR SUITE 1698	CHICAGO	IL	60675	ONLINE BANKING	$3,211,690
P&C CONSTRUCTION COMPANY
2133 NW YORK STREET	PORTLAND	OR	97210	CONSTRUCTION	$2,551,769
Q2 SOFTWARE INC
2975 REGENT BLVD	IRVING	TX	75320	ONLINE BANKING	$2,223,300

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	75	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST MEMBER LOANS	522100	$136,239,331	$136,239,331
INTERCHANGE INCOME	522100	$37,396,130	$37,396,130
OTHER OPERATING INCOME	522100	$22,643,637	$21,810,080	$833,557
SERVICE FEES	522100	$14,767,125	$14,612,742	$154,383

Field	Value	IRS element (for citing)
Total Program Service Revenue	$211,046,223	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$31,803,985	TotalRevenueColumnAmt
Exclusion	$31,803,985	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$107,102,506	SecuritiesAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$112,780,422	SecuritiesAmt
Other	$22,863	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	-$5,677,916	SecuritiesAmt
Other	-$22,863	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$5,700,779	TotalRevenueColumnAmt
Exclusion	-$5,700,779	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$237,149,429	TotalRevenueColumnAmt
Related Or Exempt Func Income	$210,058,283	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$987,940	UnrelatedBusinessRevenueAmt
Exclusion	$26,103,206	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	$549,781	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$7,739,121	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$42,312,959	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$3,154,399	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$8,390,913	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$4,134,838	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$355,743	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$102,000	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$21,866,509	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$7,239,262	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$9,414,783	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$7,553,456	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$8,094,992	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$538,821	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$404,407	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$16,664,310	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$4,613,589	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$531,038	TotalAmt

Other Expenses OtherExpensesGrp

Field	Value	IRS element (for citing)
Desc	PROVISION FOR LOAN LOSS	Desc
Total	$4,325,475	TotalAmt

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$9,125,163	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$157,111,559	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$829,191,968	BOYAmt
EOY	$865,129,884	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$19,112,980	BOYAmt
EOY	$15,238,017	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$9,981,851	BOYAmt
EOY	$13,474,711	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$3,303,085,898	BOYAmt
EOY	$3,492,029,631	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$4,955,215	BOYAmt
EOY	$4,217,779	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$42,104,859	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$22,654,184	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$15,934,521	BOYAmt
EOY	$19,450,675	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$786,754,255	BOYAmt
EOY	$888,316,454	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$59,443,222	BOYAmt
EOY	$62,881,000	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$100,902,192	BOYAmt
EOY	$32,204,365	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$5,129,362,102	BOYAmt
EOY	$5,392,942,516	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$68,258,528	BOYAmt
EOY	$64,253,841	EOYAmt

Deferred Revenue DeferredRevenueGrp

Field	Value	IRS element (for citing)
BOY	$2,986,843	BOYAmt
EOY	$2,278,107	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$3,476,200	BOYAmt
EOY	$2,937,601	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$329,877,725	BOYAmt
EOY	$296,395,296	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$4,177,461,745	BOYAmt
EOY	$4,392,877,428	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$4,582,061,041	BOYAmt
EOY	$4,758,742,273	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow SFAS117	Yes (X)	OrgDoesNotFollowSFAS117Ind

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	$547,301,061	BOYAmt
EOY	$634,200,243	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$547,301,061	BOYAmt
EOY	$634,200,243	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$5,129,362,102	BOYAmt
EOY	$5,392,942,516	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$80,037,870	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$6,861,312	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	$40,053	PoliticalExpendituresAmt
Internal Funds Contributed	$40,053	InternalFundsContributedAmt
Total Exempt Function Expend	$40,053	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	$40,053	PaidInternalFundsAmt

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	$3,835,154	OtherCostOrOtherBasisAmt
Book Value	$3,835,154	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,453,963	OtherCostOrOtherBasisAmt
Depreciation	$1,474,866	DepreciationAmt
Book Value	$1,979,097	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$17,295,745	OtherCostOrOtherBasisAmt
Depreciation	$10,411,527	DepreciationAmt
Book Value	$6,884,218	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$17,519,997	OtherCostOrOtherBasisAmt
Depreciation	$10,767,791	DepreciationAmt
Book Value	$6,752,206	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$19,450,675	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (5 entries)

DescDesc	AmtAmt
SAVINGS	$1,383,061,492
CHECKING	$1,209,735,537
MONEY MARKET ACCOUNTS	$1,208,497,549
INDIVIDUAL RETIREMENT ACCOUNTS	$183,798,591
CERTIFICATES OF DEPOSIT	$407,784,259

Field	Value	IRS element (for citing)
Total Liability	$4,392,877,428	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$244,010,741	TotalRevEtcAuditedFinclStmtAmt
Net Unrealized Gains Invst	$6,861,312	NetUnrealizedGainsInvstAmt
Revenue Not Reported	$6,861,312	RevenueNotReportedAmt
Revenue Subtotal	$237,149,429	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$237,149,429	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$157,111,559	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$157,111,559	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$157,111,559	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, 2018 AND 2017, 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, 2018 AND 2017.

Schedule I IRS990ScheduleI

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

Recipient Table RecipientTable (17 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	Recipient EINRecipientEIN	IRC SectionIRCSectionDesc	Cash GrantCashGrantAmt	Purpose Of GrantPurposeOfGrantTxt
DOERNBECHER CHILDREN'S HOSPITAL FOUNDATION
1121 SW SALMON ST STE 100	PORTLAND	OR	97205	930579589	501(C)(3)	$71,480	COMMUNITY OUTREACH
FINANCIAL BEGINNINGS CORPORATION
9600 SW CAPITOL HWY	PORTLAND	OR	97219	203530960	501(C)(3)	$30,000	COMMUNITY OUTREACH
RAPHAEL HOUSE OF PORTLAND
4110 SE HAWTHORNE BLVD 503	PORTLAND	OR	97214	930710963	501(C)(3)	$25,000	COMMUNITY OUTREACH
LEGACY HEALTH FOUNDATION
1130 NW 22ND AVE BLDG 3 200	PORTLAND	OR	97201	465562403	501(C)(3)	$20,400	COMMUNITY OUTREACH
CHILDREN'S MIRACLE NETWORK HOSPITALS
205 WEST 700 SOUTH	SALT LAKE CITY	UT	84101	870387205	501(C)(3)	$19,715	COMMUNITY OUTREACH
SUNSHINE DIVISION INC
687 N THOMPSON ST	PORTLAND	OR	97227	930429354	501(C)(3)	$18,500	COMMUNITY OUTREACH
UNIVERSITY OF OREGON FOUNDATION
1720 E 13TH AVE STE 410	EUGENE	OR	97403	936015767	501(C)(3)	$17,154	COMMUNITY OUTREACH
CASCADE AIDS PROJECT
520 NW DAVIS ST	PORTLAND	OR	97209	930903383	501(C)(3)	$15,000	COMMUNITY OUTREACH
DE LA SALLE NORTH CATHOLIC HIGH
7528 N FENWICK	PORTLAND	OR	97217	931287554	501(C)(3)	$11,900	COMMUNITY OUTREACH
RANDALL CHILDREN'S HOSPITAL FOUNDATION
2801 N GATENBEIN AVE	PORTLAND	OR	97227	931314469	501(C)(3)	$10,000	COMMUNITY OUTREACH
ST CLARE SCHOOL
1807 FREEMAN ST	PORTLAND	OR	97219	930465871	501(C)(3)	$10,000	COMMUNITY OUTREACH
PORTLAND HOUSING CENTER
3233 NE SANDY BLVD	PORTLAND	OR	97232	931111589	501(C)(3)	$10,000	COMMUNITY OUTREACH
CALIFORNIA COMMUNITY FOUNDATION
221 S FIGUEROA ST 400	LOS ANGELES	CA	90012	933510055	501(C)(3)	$10,000	COMMUNITY OUTREACH
SCHOOLHOUSE SUPPLIES
2735 NE 82ND AVE	PORTLAND	OR	97220	204223437	501(C)(3)	$10,000	COMMUNITY OUTREACH
THE DOUGY CENTER
3909 SE 52ND	PORTLAND	OR	97206	930833241	501(C)(3)	$8,500	COMMUNITY OUTREACH
NORTH CLACKAMAS SCHOOL DISTRICT
2301 SE WILLARD ST	PORTLAND	OR	97222	931114786	501(C)(3)	$6,372	COMMUNITY OUTREACH
GUIDE DOGS FOR SAN RAFEAL
350 LOS RANCHITOS	SAN RAFEAL	CA	94903	941196195	501(C)(3)	$5,700	COMMUNITY OUTREACH

Field	Value	IRS element (for citing)
Total501c3 Org	17	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 (12 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	$653,530	$0	$74,364	$0	$784,346	$0	$8,336	$0	$2,154,026	$0	$0	$0
J HUNT
SVP/CHIEF FINANCIAL OFFICER	$322,500	$0	$667,432	$0	$11,624	$0	$141,154	$0	$16,606	$0	$1,159,316	$0	$0	$0
S LEUGERS
SVP/CHIEF LENDING OFFICER	$222,647	$0	$50,000	$0	$78,684	$0	$244,617	$0	$19,394	$0	$615,342	$0	$0	$0
T MCVAY SVPCHIEF
RETAIL OFFICER & WEALTH MGMT EXEC	$314,000	$0	$289,977	$0	$20,848	$0	$382,006	$0	$23,275	$0	$1,030,106	$0	$0	$0
J ARMSTRONG SVPCHIEF
INFO OFFICER & HR EXEC	$278,000	$0	$284,025	$0	$16,270	$0	$341,362	$0	$19,940	$0	$939,597	$0	$0	$0
S OWEN
SVP/CHIEF OPERATIONS OFFICER	$278,000	$0	$259,025	$0	$11,985	$0	$341,362	$0	$23,275	$0	$913,647	$0	$0	$0
V ERVIN
SVP/CHIEF COMPLIANCE OFFICER	$205,125	$0	$183,792	$0	$13,865	$0	$248,990	$0	$7,206	$0	$658,978	$0	$0	$0
A EMERSON
VP/ONPOINT MORTGAGE	$122,701	$0	$293,908	$0	$2,120	$0	$64,902	$0	$23,275	$0	$506,906	$0	$0	$0
C MILAM
VP/CREDIT ADMINISTRATION	$159,510	$0	$154,890	$0	$19,537	$0	$27,500	$0	$17,085	$0	$378,522	$0	$0	$0
M MONTGOMERY
MORTGAGE LOAN OFFICER	$0	$0	$303,645	$0	$1,765	$0	$27,500	$0	$8,336	$0	$341,246	$0	$0	$0
M LINDSAY
INVESTMENT MANAGER	$126,031	$0	$165,917	$0	$832	$0	$19,969	$0	$8,336	$0	$321,085	$0	$0	$0
T REINK
MORTGAGE LOAN OFFICER	$0	$0	$273,998	$0	$906	$0	$27,400	$0	$23,275	$0	$325,579	$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	NO SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN PAYOUTS IN 2018.
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 2017 TOP CEO TOTAL COMPENSATION SURVEY REPORT AND THE 2017 TOWERS WATSON EXECUTIVE COMPENSATION PAY ASSESSMENT. PART II: IN LIEU OF 457(F) DEFERRALS IN 2018, CASH PAYMENTS WERE MADE TO J. HUNT TOTALING $366,925. THIS FIGURE IS INCLUDED IN PART II, COLUMN B(II).

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 12/31/18, THERE WERE 361,518 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 2017 TOP CEO TOTAL COMPENSATION SURVEY REPORT AND THE 2017 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 6,259,777. VISA DEBIT CARD PROGRAM SERVICES 5,114,521. VISA CREDIT CARD PROGRAM SERVICES 4,306,695. OUTSIDE PROFESSIONAL SERVICES 4,291,730. OTHER LOAN FEES 1,879,263. BUSINESS LOAN FEES 14,523.

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