2019-11-15T12:07:37-06:00 2018-12-31 910189318 MOSS ADAMS LLP 601 W RIVERSIDE AVENUE STE 1800 SPOKANE WA 99201 990 2018-01-01 910863377 NUMERICA CREDIT UNION NUME 5095366114 14610 E SPRAGUE AVENUE NO N/A SPOKANE VALLEY WA 992162146 JENNIFER LEHN COO 5095357613 2019-11-14 1 COLLEEN RAMIRES P01251320 5097472600 2019-11-13 12.129.4.211 2019-11-14 15:02:18 PS P DA39A3EE5E6B4B0D3255BFEF95601890AFD80709 21D6D88AA253EBC443F9931C9F869B6318C08854 2018 2020-03-31 21:24:44Z NA CINDY LEAVER 14610 E SPRAGUE AVENUE NO N/A SPOKANE VALLEY WA 992162146 141502934 0 1269 X WWW.NUMERICACU.COM X 1937 WA CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES. 9 9 653 15 662046 277546 0 0 111201101 129308531 3418496 5332158 0 291295 114619597 134931984 293000 342000 0 0 41957952 49013643 0 0 0 54190028 60694235 96440980 110049878 18178617 24882106 2055568189 2267049250 1849505593 2036223418 206062596 230825832 CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES. 0 0 PROVIDE FINANCIAL SERVICES TO 146,411 MEMBERS. THESE SERVICES INCLUDE, BUT ARE NOT LIMITED TO, PROVIDING REAL ESTATE AND OTHER SECURED/UNSECURED CONSUMER AND BUSINESS LOANS, CHECKING AND SAVINGS PROGRAMS, AND CREDIT CARD SERVICES. 0 0 0 0 0 0 0 1 0 1 1 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 1 1 0 0 1 44047 0 1 653 1 1 1 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 1 0 ID X CINDY LEAVER 5095366114 14610 E SPRAGUE AVENUE SPOKANE VALLEY WA 99216 HUPP RON CHAIRMAN 8.00 X X 21219 0 0 MORTENSEN WES VICE CHAIRMAN 8.00 X X 10153 0 0 NIELSEN SUSAN SECRETARY 8.00 X X 15715 0 0 OCHOA-BRUCK GLORIA DIRECTOR 8.00 X 13106 0 0 BENSON ADAM DIRECTOR 8.00 X 11094 0 0 PLUMB SCOTT DIRECTOR 8.00 X 19950 0 0 SMITH YVONNE DIRECTOR 8.00 X 14438 0 0 CLARK SCOTT DIRECTOR 8.00 X 12444 0 0 KITTLITZ LIESEL DIRECTOR 8.00 X 6577 0 0 HARMON ROBIN DIRECTOR (THROUGH 4/18) 8.00 X 0 0 0 CICERO CARLA PRESIDENT/CEO 40.00 X 1149714 0 105386 PLANK KENNETH CHIEF LENDING OFFICER 40.00 X 435144 0 12145 LEHN JENNIFER CHIEF OPERATIONS OFFICER 40.00 X 406615 0 12639 HARTER NANCY CHIEF BRANDING OFFICER 40.00 X 405866 0 14407 LEAVER CINDY CHIEF FINANCIAL OFFICER/CSO 40.00 X 421605 0 15088 FERGUSON KELLEY CHIEF INFORMATION OFFICER 40.00 X 384192 0 16692 CIANI LYNN CHIEF RISK OFFICER 40.00 X 307747 0 14809 CLUTE TROY VP HOME LOAN CENTER 40.00 X 294363 0 16543 ERNY JANA SVP OF RETAIL LENDING 40.00 X 278925 0 9463 HANSEN GREG SVP OF BUSINESS SERVICES 40.00 X 266214 0 14347 STEPHENS ROB SVP OF FINANCE 40.00 X 245797 0 19008 GRABICKI MICHELLE VP OF CORPORATE CULTURE 40.00 X 223058 0 11935 O'CALLAGHAN JENNIFER SVP OF MARKETING 40.00 X 239095 0 8154 SUNDERMAN LISA VP ENTERPRISE RISK MANAGEMENT 40.00 X 205908 0 12959 MURRAY KAYCEE SVP INFORMATION TECHNOLOGY 40.00 X 211090 0 14361 FOX MARK VP PAYMENT SERVICES 40.00 X 168699 0 10652 STIRLING ANDY SVP OF CENTRAL WASHINGTON REGION 40.00 X 213190 0 24343 MELCHER JOSHUA VP PRIVATE BUSINESS BANKING SBA TEAM LEADER 40.00 X 240101 0 15774 COLTRAIN ERIC FINANCIAL ADVISOR 40.00 X 201803 0 16096 FULLER CURT VP COMMERCIAL BANKING TEAM LEADER 40.00 X 199206 0 13984 CHAMBERLIN BRYCE PRIVATE BANKING RELATIONSHIP OFFICER 3 40.00 X 187089 0 9974 JANIKOWSKI DENNIS VP COMMERCIAL BANKING TEAM LEADER 40.00 X 191616 0 12278 7001733 0 401037 83 0 1 0 MTR COMMUNICATIONS 1705 S MAPLE BLVD SPOKANE WA 99203 MARKETING/PUBLIC RELATIONS 1576549 KAYE SMITH PO BOX 956 RENTON WA 98057 STORAGE, PRINTING, MAILING 920945 DIEBOLD PO BOX 643543 PITTSBURGH PA 15264 ATM MAINTENANCE & SUPPLIES 900699 ADVANCED AMC INC 401 1/2 E SHERMAN AVE SUITE 212 COEUR DALENE ID 83814 APPRAISAL SERVICES 698050 LOOMIS FARGO & CO DEPT CH 10500 PALANTINE IL 60055 CASH DELIVERY 621838 58 INTEREST ON LOANS 522100 93368670 93368670 FEE INCOME 522100 33620696 32958650 662046 GAIN ON SALE OF LOANS 522100 2084517 2084517 GAIN ON OTHER REAL ESTATE OWNED 531390 234648 234648 129308531 4990059 4990059 5481797 1431252 5574217 996733 -92420 434519 342099 342099 TAX REFUND 900099 291295 291295 291295 134931984 128646485 662046 5623453 317000 25000 6314850 31639766 3634020 4338498 3086509 84756 276180 1132251 4872449 5253490 3519650 2168663 874044 240617 17918303 4033669 481833 PROVISION FOR LOAN LOSS 11964000 LOAN SERVICING EXPENSE 4528248 ATM/VISA CARD EXPENSES 2863328 OTHER OPERATING EXPENSE 482754 110049878 28737128 34781569 144601345 105478057 15342803 32758734 1604710556 1802163249 3159044 3250020 76992485 25564803 52253155 51427682 169575227 183560372 104096 308719 37084835 53320848 2055568189 2267049250 33692879 30777396 464830 304338 547571 721766 88588366 105750000 1726211947 1898669918 1849505593 2036223418 X 0 0 0 0 206062596 230825832 206062596 230825832 2055568189 2267049250 X 24882106 -1728393 1609523 X 0 1 X 1 0 0 1 X 13385475 13385475 39812747 11132725 28680022 3843297 1695286 2148011 6343555 4660969 1682586 13607411 8075823 5531588 51427682 1454401 C AVAILABLE FOR SALE SECURITIES 157644187 F NCUSIF DEPOSIT 16616920 C FEDERAL HOME LOAN BANK STOCK 6426300 C OTHER INVESTMENTS 1418564 C 183560372 SHARES & DEPOSITS 1898669918 1898669918 X 134640689 0 134640689 291295 291295 134931984 109758583 0 109758583 291295 291295 110049878 PART IV, LINE 2B: THE ORGANIZATION HAS ESCROW ACCOUNTS RELATED TO PORTFOLIO MORTGAGES MEMBERS HAVE WITH THE ORGANIZATION. PART X, LINE 2: THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL INCOME TAXES UNDER THE PROVISIONS OF SECTION 501 OF THE INTERNAL REVENUE CODE OF 1954; HOWEVER, THE CREDIT UNION'S UNRELATED BUSINESS INCOME AND SUBSIDIARIES ARE SUBJECT TO FEDERAL INCOME TAXES. THERE WERE NO SIGNIFICANT INCOME TAXES FOR THE YEARS ENDED DECEMBER 31, 2018 OR 2017. ACCOUNTING PRINCIPLES PRESCRIBE A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE CREDIT UNION HAD NO MATERIAL UNRECOGNIZED TAX POSITIONS AT DECEMBER 31, 2018 OR 2017. IT IS THE CREDIT UNION'S POLICY TO RECORD ANY PENALTIES OR INTEREST ARISING FROM FEDERAL OR STATE TAXES AS A COMPONENT OF NONINTEREST EXPENSE. THE CREDIT UNION FILES A FEDERAL EXEMPT ORGANIZATION RETURN AND A SALES AND USE TAX RETURN WITH THE STATE OF WASHINGTON AND A STATE INCOME TAX RETURN WITH THE STATE OF IDAHO. PART XI, LINE 4B - OTHER ADJUSTMENTS: RECLASS TAX REFUND TO REVENUE 291,295. PART XII, LINE 4B - OTHER ADJUSTMENTS: RECLASS TAX REFUND TO REVENUE 291,295. 1 EWU FOUNDATION 102 HARGREAVES HALL CHENEY WA 99004 911019819 501(C)(3) 70000 GENERAL SUPPORT VOLUNTEERS OF AMERICA - HOPE HOUSE 525 W 2ND AVE SPOKANE WA 99201 910577131 501(C)(3) 40000 GENERAL SUPPORT INW COMMUNITY FOUNDATION 421 W RIVERSIDE SUITE 606 SPOKANE WA 99201 910941053 501(C)(3) 33000 GENERAL SUPPORT DAYBREAK YOUTH SERVICES 960 E 3RD AVE SPOKANE WA 99202 911083936 501(C)(3) 30000 GENERAL SUPPORT BOYS & GIRLS CLUB OF BENTON & FRANKLIN PO BOX 1322 PASCO WA 99301 911673377 501(C)(3) 30000 GENERAL SUPPORT BIG TABLE PO BOX 372 SPOKANE WA 99210 208931223 501(C)(3) 25000 GENERAL SUPPORT FAMILY PROMISE OF SPOKANE 904 HARTSON AVE SPOKANE WA 99202 911707988 501(C)(3) 20000 GENERAL SUPPORT YMCA SPOKANE 1126 N MONROE SPOKANE WA 99201 910827958 501(C)(3) 17000 GENERAL SUPPORT SNAP 3102 W FT GEORGE WRIGHT DR SPOKANE WA 99224 911311127 501(C)(3) 10000 GENERAL SUPPORT CHILDREN'S MIRACLE NETWORK 205 W 700 SOUTH SALT LAKE CITY UT 84101 870387205 501(C)(3) 7000 GENERAL SUPPORT 10 0 STUDENT AMBASSADOR SCHOLARSHIPS 10 15000 FINANCIAL EDUCATION SCHOLARSHIPS 2 5000 CONTINUING EDUCATION SCHOLARSHIPS 1 5000 PART I, LINE 2: DONATIONS ARE ROUTED THROUGH THE COMMUNITY INVOLVEMENT COMMITTEE (CIC) OR THROUGH THE COMMUNICATIONS DEPARTMENT DEPENDING ON THE REQUEST. THE REQUEST IS THEN EVALUATED EITHER BY COMMUNICATIONS OR BY THE CIC DONATIONS SUB-COMMITTEE AND A DETERMINATION MADE AS TO THE AMOUNT TO BE DONATED. ALL ACKNOWLEDGEMENTS ARE RETAINED AND RECIPIENTS OF THE DONATIONS RECORDED. ALL RECIPIENTS ARE WELL KNOWN LOCAL ORGANIZATIONS. NUMERICA ASSUMES THAT ALL GRANT FUNDS ARE USED WITHIN THE U.S. BUT DOES NOT MONITOR THE USE OF FUNDS PAST THE DATE OF CONTRIBUTION. FOR INDIVIDUAL SCHOLARSHIPS, CANDIDATES ARE INVITED FOR AN INTERVIEW WITH A PANEL OF JUDGES THAT INCLUDES TWO NUMERICA EMPLOYEES AND AT LEAST THREE COMMUNITY PARTNERS. THE PANEL SELECTS THE SCHOLARSHIP RECEIPIENT. SCHOLARSHIPS ARE SENT DIRECTLY TO THE COLLEGE THEY ARE ATTENDING WITH A LETTER EXPLAINING THEY ARE TO BE USED FOR TUITION. X X 1 1 X X X 0 1 0 CICERO CARLA PRESIDENT/CEO 584701 0 395837 0 169176 0 100264 0 5122 0 1255100 0 0 0 PLANK KENNETH CHIEF LENDING OFFICER 278070 0 99850 0 57224 0 4123 0 8022 0 447289 0 0 0 LEHN JENNIFER CHIEF OPERATIONS OFFICER 309165 0 89359 0 8091 0 7194 0 5445 0 419254 0 0 0 HARTER NANCY CHIEF BRANDING OFFICER 271029 0 95125 0 39712 0 7525 0 6882 0 420273 0 0 0 LEAVER CINDY CHIEF FINANCIAL OFFICER/CSO 291590 0 97911 0 32104 0 7066 0 8022 0 436693 0 0 0 FERGUSON KELLEY CHIEF INFORMATION OFFICER 275519 0 84024 0 24649 0 8250 0 8442 0 400884 0 0 0 CIANI LYNN CHIEF RISK OFFICER 240325 0 60361 0 7061 0 6787 0 8022 0 322556 0 0 0 CLUTE TROY VP HOME LOAN CENTER 187045 0 106834 0 484 0 8521 0 8022 0 310906 0 0 0 ERNY JANA SVP OF RETAIL LENDING 193747 0 84687 0 491 0 0 0 9463 0 288388 0 0 0 HANSEN GREG SVP OF BUSINESS SERVICES 193953 0 70173 0 2088 0 5257 0 9090 0 280561 0 0 0 STEPHENS ROB SVP OF FINANCE 193923 0 51406 0 468 0 7173 0 11835 0 264805 0 0 0 GRABICKI MICHELLE VP OF CORPORATE CULTURE 178216 0 44377 0 465 0 5350 0 6585 0 234993 0 0 0 O'CALLAGHAN JENNIFER SVP OF MARKETING 190015 0 44443 0 4637 0 132 0 8022 0 247249 0 0 0 SUNDERMAN LISA VP ENTERPRISE RISK MANAGEMENT 164546 0 40930 0 432 0 4937 0 8022 0 218867 0 0 0 MURRAY KAYCEE SVP INFORMATION TECHNOLOGY 172724 0 37891 0 475 0 6319 0 8042 0 225451 0 0 0 FOX MARK VP PAYMENT SERVICES 134208 0 34249 0 242 0 4067 0 6585 0 179351 0 0 0 STIRLING ANDY SVP OF CENTRAL WASHINGTON REGION 167788 0 42518 0 2884 0 8521 0 15822 0 237533 0 0 0 MELCHER JOSHUA VP PRIVATE BUSINESS BANKING SBA TEAM 149685 0 89885 0 531 0 5652 0 10122 0 255875 0 0 0 COLTRAIN ERIC FINANCIAL ADVISOR 49400 0 152257 0 146 0 5674 0 10422 0 217899 0 0 0 FULLER CURT VP COMMERCIAL BANKING TEAM LEADER 136589 0 61603 0 1014 0 4102 0 9882 0 213190 0 0 0 CHAMBERLIN BRYCE PRIVATE BANKING RELATIONSHIP OFFICER 110632 0 76164 0 293 0 1289 0 8685 0 197063 0 0 0 JANIKOWSKI DENNIS VP COMMERCIAL BANKING TEAM LEADER 143675 0 47604 0 337 0 2156 0 10122 0 203894 0 0 0 PART I, LINE 1A BOARD MEMBERS WHO HAVE COMPANIONS TRAVELING HAVE THESE EXPENSES INCLUDED FOR TAXABLE PURPOSES IN THEIR 1099-MISC. TAX PAYMENTS ARE PROVIDED FOR EXECUTIVE LEVEL STAFF ON THE TAXABLE BENEFIT OF AN INTEREST-FREE LOAN ON A SPLIT DOLLAR LIFE INSURANCE POLICY. WELLNESS EXPENSES SUCH AS HEALTH CLUB DUES ARE PROVIDED FOR EXECUTIVE MANAGEMENT AS A BENEFIT. THEIR COMPENSATION IS TAXED APPROPRIATELY FOR THIS BENEFIT. PART I, LINE 4B CARLA CICERO, CEO, PARTICIPATES IN A SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN. THE AMOUNT EARNED IN 2018 WAS $51,415. CICERO CARLA CHIEF EXECUTIVE OFFICER SPLIT DOLLAR LIFE INSURANCE POLICY X 12173272 12234712 0 1 1 LEHN JENNIFER A CHIEF OPERATIONS OFFICER SPLIT DOLLAR LIFE INSURANCE POLICY X 1665148 1673552 0 1 1 NORBURY-HARTERNANCY CHIEF BRANDING OFFICER SPLIT DOLLAR LIFE INSURANCE POLICY X 3076916 3092446 0 1 1 FERGUSON KELLEY CHIEF INFORMATION OFFICER SPLIT DOLLAR LIFE INSURANCE POLICY X 3261694 3278156 0 1 1 PLANK KEN CHIEF LENDING OFFICER SPLIT DOLLAR LIFE INSURANCE POLICY X 4569112 4592172 0 1 1 CIANI LYNN EVP - GENERAL COUNCIL SPLIT DOLLAR LIFE INSURANCE POLICY X 772040 775937 0 1 1 LEAVER CYNTHIA J CHIEF FINANCIAL OFFICER SPLIT DOLLAR LIFE INSURANCE POLICY X 1540000 1540000 0 1 1 CHAMBERLIN BRYCE PRIVATE BANKING RELATIONSHIP OFFICER III MORTGAGE LOAN X 44299 44299 0 0 1 CIANI LYNN EVP - GENERAL COUNCIL MORTGAGE LOAN X 333600 286922 0 0 1 CIANI LYNN EVP - GENERAL COUNCIL AUTO LOAN X 62170 39761 0 0 1 CICERO CARLA CHIEF EXECUTIVE OFFICER MORTGAGE LOAN X 562500 425278 0 0 1 CLUTE TROY SVP HOME LOANS AND DEALER SERVICES MORTGAGE LOAN X 51545 51545 0 0 1 CLUTE TROY SVP HOME LOANS AND DEALER SERVICES AUTO LOAN X 38000 6838 0 0 1 COLTRAINERIC FINANCIAL ADVISOR MORTGAGE LOAN X 46500 35536 0 0 1 ERNY JANA SVP RETAIL EXPERIENCE AND OPERATIONS MORTGAGE LOAN X 76295 74000 0 0 1 ERNY JANA SVP RETAIL EXPERIENCE AND OPERATIONS MORTGAGE LOAN X 225145 203786 0 0 1 ERNY JANA SVP RETAIL EXPERIENCE AND OPERATIONS AUTO LOAN X 13575 9326 0 0 1 ERNY JANA SVP RETAIL EXPERIENCE AND OPERATIONS OTHER: PERSONAL LINE OF CREDIT X 30000 23000 0 0 1 FERGUSON KELLEY CHIEF INFORMATION OFFICER MORTGAGE LOAN X 537562 527929 0 0 1 FERGUSON KELLEY CHIEF INFORMATION OFFICER MORTGAGE LOAN X 106444 108864 0 0 1 FERGUSON KELLEY CHIEF INFORMATION OFFICER MORTGAGE LOAN X 224000 146732 0 0 1 FOX MARK SVP PAYMENTS AND DIGITAL MORTGAGE LOAN X 36811 35430 0 0 1 FOX MARK SVP PAYMENTS AND DIGITAL MORTGAGE LOAN X 508000 496025 0 0 1 FULLER CURT VP COMMERCIAL BANKING TEAM LEADER AUTO LOAN X 18350 1064 0 0 1 GRABICKI MICHELLE SVP CORPORATE CULTURE MORTGAGE LOAN X 417000 376281 0 0 1 HANSEN GREG SVP BUSINESS SERVICES AND RETAIL LENDING AUTO LOAN X 16585 8047 0 0 1 HUPP RON BOARD OF DIRECTORS MORTGAGE LOAN X 338000 77325 0 0 1 HUPP RON BOARD OF DIRECTORS AUTO LOAN X 200000 6566 0 0 1 HUPP RON BOARD OF DIRECTORS AUTO LOAN X 34472 32299 0 0 1 JANIKOWSKI DENNIS VP COMMERCIAL BANKING TEAM LEADER-TRI-CITIES AUTO LOAN X 29969 18259 0 0 1 JANIKOWSKI DENNIS VP COMMERCIAL BANKING TEAM LEADER-TRI-CITIES AUTO LOAN X 47900 47424 0 0 1 JANIKOWSKI DENNIS VP COMMERCIAL BANKING TEAM LEADER-TRI-CITIES AUTO LOAN X 23173 22978 0 0 1 LEAVER CYNTHIA J CHIEF FINANCIAL OFFICER MORTGAGE LOAN X 77333 74234 0 0 1 LEAVER CYNTHIA J CHIEF FINANCIAL OFFICER MORTGAGE LOAN X 363920 329877 0 0 1 LEAVER CYNTHIA J CHIEF FINANCIAL OFFICER AUTO LOAN X 14657 7278 0 0 1 LEAVER CYNTHIA J CHIEF FINANCIAL OFFICER AUTO LOAN X 49532 32412 0 0 1 LEAVER CYNTHIA J CHIEF FINANCIAL OFFICER OTHER: EMPLOYEE COMPUTER LOAN X 1380 451 0 0 1 LEHN JENNIFER A CHIEF OPERATIONS OFFICER MORTGAGE LOAN X 100000 16854 0 0 1 LEHN JENNIFER A CHIEF OPERATIONS OFFICER MORTGAGE LOAN X 136000 2209 0 0 1 LEHN JENNIFER A CHIEF OPERATIONS OFFICER MORTGAGE LOAN X 216000 138987 0 0 1 MELCHER JOSH VP PRIVATE & BUSINESS BANKING AND SBA AUTO LOAN X 28581 24799 0 0 1 MURRAY KAYCEE SVP INFORMATION TECHNOLOGY MORTGAGE LOAN X 417000 395846 0 0 1 NORBURY-HARTERN CHIEF BRANDING OFFICER MORTGAGE LOAN X 417000 376230 0 0 1 O'CALLAGHAN JEN SVP OF MARKETING MORTGAGE LOAN X 122000 119851 0 0 1 O'CALLAGHAN JEN SVP OF MARKETING MORTGAGE LOAN X 133000 132939 0 0 1 O'CALLAGHAN JEN SVP OF MARKETING AUTO LOAN X 48800 42324 0 0 1 PLANK KEN CHIEF LENDING OFFICER MORTGAGE LOAN X 658750 651429 0 0 1 PLANK KEN CHIEF LENDING OFFICER AUTO LOAN X 31881 23511 0 0 1 PLANK KEN CHIEF LENDING OFFICER AUTO LOAN X 19000 14982 0 0 1 STEPHENS ROB SVP FINANCE MORTGAGE LOAN X 93750 82032 0 0 1 32758734 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION HAS ONE CLASS OF MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE ORGANIZATION'S MEMBERS MAY ELECT ONE OR MORE MEMBERS OF THE GOVERNING BODY. FORM 990, PART VI, SECTION A, LINE 7B THE ORGANIZATION'S MEMBERS MUST APPROVE CERTAIN INFREQUENT DECISIONS OF THE GOVERNING BODY. FOR EXAMPLE, A MERGER WOULD REQUIRE MEMBER APPROVAL. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS REVIEWED BY EXECUTIVE MANAGEMENT. FORM 990, PART VI, SECTION B, LINE 12C THERE IS AN ANNUAL CERTIFICATION PROCESS WHERE THE CODE OF ETHICS POLICY FOR VOLUNTEERS IS REVIEWED. WHEN THERE IS A PERSONAL INTEREST, EVEN IF ONLY IN APPEARANCE, SUCH INTEREST MUST BE DISCLOSED AND THE NATURE OF SUCH INTEREST DESCRIBED TO THE BOARD PRIOR TO THE TIME ANY ACTION IS TAKEN. THE INTERESTED PARTY SHALL NOT DIRECTLY OR INDIRECTLY PARTICIPATE IN ANY DELIBERATION OR DETERMINATION OF THE MATTER AND SHOULD TAKE ALL REASONABLE STEPS TO AVOID THE CONFLICT. FORM 990, PART VI, SECTION B, LINE 15 A COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS THE CEO'S CONTRACT ANNUALLY AND USES DATA FROM VARIOUS SURVEYS TO PROVIDE SUBSTANTIATION OF THE DELIBERATION AND DECISIONS REGARDING THE CEO'S ANNUAL BONUS AND SALARY. ALL OF THE SALARY RANGES FOR THE ENTIRE ORGANIZATION ARE SET BASED ON VARIOUS SALARY SURVEYS, INCLUDING EXECUTIVE SALARY SURVEY. THE SURVEYS ARE OF FINANCIAL INSTITUTIONS OF SIMILAR SIZE AND REGION. FORM 990, PART VI, SECTION C, LINE 18 THE ORGANIZATION'S FORM 1024 AND FORM 990 ARE AVAILABLE UPON REQUEST. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. FORM 990, PART XI, LINE 9: EQUITY TRANSFERRED IN MERGER 1,609,523. NUMERICA MEMBER SERVICES INC PO BOX 4000 SPOKANE VALLEY WA 99037 911320629 FINANCIAL PLANNING SERVICE WA NUMERICA CREDIT UNION C 495765 1.00000 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0