2018-11-14T18:05:33-06:00 2017-12-31 410746749 CLIFTONLARSONALLEN LLP 20 E THOMAS RD STE 2300 PHOENIX AZ 85012 990 2017-01-01 952015359 COASTHILLS CREDIT UNION COAS 8057337625 3880 CONSTELLATION ROAD LOMPOC CA 93436 MARTY CHATHAM CHIEF FINANCIAL OFFICER 8057337625 2018-11-14 1 MARY C GREEN P00447183 6022662248 67.137.57.251 2018-11-14 17:03:20 US P 69F6FFF9F679693B87929AA2CD1E4BEAEDA23E9B CB7CF8D7F2EFC0B7F06C37225779BA248FFFA305 2017 2019-02-21 02:37:17Z PAUL C COOK 3880 CONSTELLATION ROAD LOMPOC CA 93436 81172900 0 X WWW.COASTHILLS.COOP X 1958 CA SERVE MEMBERS WITH FINANCIAL PRODUCTS AND SUPERIOR CUSTOMER SERVICE TO HELP THEM ACHIEVE THEIR FINANCIAL GOALS. 8 8 292 17 162667 -348351 0 0 50322765 52026719 1268143 1495141 0 2344260 51590908 55866120 71589 102069 4498140 5586252 16578459 18338362 0 0 0 20855748 23600208 42003936 47626891 9586972 8239229 1005294341 1083097348 915150109 984818896 90144232 98278452 X WE SEE EACH DAY AS AN OPPORTUNITY TO SERVE OUR COMMUNITIES AND MAKE A DIFFERENCE IN OUR NEIGHBORS' LIVES. YES, THAT MEANS MAKING AFFORDABLE CAR LOANS AND HELPING PEOPLE SAVE MONEY, BUT IT'S MORE THAN THAT. YOU'LL SEE US OUT IN THE COMMUNITY, SLEEVES ROLLED UP, GETTING THINGS DONE. LENDING OUR TIME, EFFORT AND FINANCIAL SUPPORT TO THE CENTRAL COAST IS WHAT WE DO. AND WE LOVE IT. 0 0 THE CREDIT UNION PROVIDES DRAFT AND SHARE ACCOUNTS, CONSUMER AND BUSINESS LOANS, SHARE CERTIFICATES, AND OTHER EXEMPT ACTIVITIES TO ITS MEMBERS. 0 0 1 0 0 0 0 0 0 1 0 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 1 0 0 0 1 17373 0 292 1 1 1 0 0 0 0 0 X 8 8 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 CA X MARTY CHATHAM 8057337625 3880 CONSTELLATION ROAD LOMPOC CA 93436 HUGH J RAFFERTY CHAIRMAN 2.00 X X 1820 0 0 KRISTOPHER L ANDREWS 1ST VICE CHAIRMAN 2.00 X X 1917 0 0 WILLIAM H ANDERS SECRETARY 2.00 X X 2750 0 0 ARTHUR C SCHEITHAUR JR TREASURER 2.00 X X 1912 0 0 ROGER C WELT DIRECTOR (LEFT 3/17) 2.00 X 0 0 0 BERNARD E JONES DIRECTOR 2.00 X 2720 0 0 DAVID M RICHARDSON DIRECTOR 2.00 X 1971 0 0 RICARDO VELASCO DIRECTOR (LEFT 12/17) 2.00 X 0 0 0 R BRUCE COGGIN DIRECTOR 2.00 X 2138 0 0 KATHLEEN GRIFFITH DIRECTOR 2.00 X 0 0 0 JEFFERY C YORK CEO/PRESIDENT 40.00 X 545540 0 37983 DAVID J UPHAM EVP/COO 40.00 X 261691 0 33238 MARTY L CHATHAM SVP/CFO 40.00 X 246300 0 39705 BRUCE A ALTHEIDE VP WEALTH MANAGEMENT 40.00 X 267332 0 24119 PAUL C COOK SVP/CIO 40.00 X 228274 0 44039 LISA NISSINEN-HARLOW SVP HUMAN RESOURCES 40.00 X 183803 0 27846 SCOTT D COE SVP MARKETING 40.00 X 180908 0 26106 ROBERT COVARRUBIAS SVP BUSINESS & MEMBER RELATIONS 40.00 X 185165 0 28677 JAMES LEDFORD VP CONSUMER LENDING 40.00 X 151066 0 38867 CATHY CACHU AVP COMMERCIAL LENDING 40.00 X 144246 0 19097 MICHAEL L CARSON INFORMATION SECURITY OFFICER 40.00 X 143994 0 14009 LINDA D JARRETT OLIVAR AVP INTERNAL AUDIT 40.00 X 140696 0 23409 SUZANNE M LEEDALE VP BRANCH OPERATIONS & SUPPORT 40.00 X 144961 0 12393 ANNE MILNE-RAMPONE CONSUMER LOAN BUSINESS DEV OFFICER 40.00 X 151975 0 22236 2991179 0 391724 23 0 1 0 SPECIALTY CONSTRUCTION INC 645 CLARION COURT SAN LUIS OBISPO CA 93401 CONSTRUCTION & REMODELING OF FACILITIES 6831790 JACK HENRY & ASSOCIATES PO BOX 609 MONETT MO 65708 ERP AND CORE PROCESSING SYSTEM SOFTWARE 629651 DIGITAL WEST 3620 SACRAMENTO DRIVE 102 SAN LUIS OBISPO CA 93401 DATA CENTER HOSTING & CONNECTIVITY 505417 MICROSOFT 1950 N STEMMONS FWY STE 5010 DALLAS TX 75207 PRODUCTIVITY SOFTWARE SERVICE 377613 NCR CORPORATION 14181 COLLECTIONS CENTER DRIVE CHICAGO IL 60693 ATM/ITM EQUIPMENT & EQUIPMENT MAINTENANC 368423 38 INTEREST ON LOANS TO MEMBERS 522100 39292923 39292923 INTERCHANGE INCOME 522100 5161258 5161258 FEES AND CHARGES 522100 3873895 3711228 162667 COURTESY PAY PROGRAM FEES 522100 2687707 2687707 WEALTH MANAGEMENT INCOME 522100 1010936 1010936 52026719 1252317 1252317 25176485 373119 24957560 349220 218925 23899 242824 242824 NONINTEREST INCOME 522100 2344260 2344260 2344260 55866120 54208312 162667 1495141 56569 45500 5586252 2565887 10931614 693013 3123114 1024734 85872 287981 1567676 1115673 3544338 2125790 527377 1562809 1333271 PROVISION FOR LOAN LOSS 4822205 PROCESSING EXPENSES 2247467 CREDIT CARD EXPENSES 1300678 MEMBER EXPENSES 760199 2318872 47626891 8071469 10910603 57344319 32966031 2794065 1881018 12366272 12593690 856814901 953062228 1611024 1616618 42658393 19723463 15472459 22934930 34342501 29106955 3651100 3651100 12826231 14374175 1005294341 1083097348 7827495 8290380 79500000 86500000 827822614 890028516 915150109 984818896 X 0 0 0 0 90144232 98278452 90144232 98278452 1005294341 1083097348 8239229 -105009 0 X 0 1 X 1 0 6480 6480 6480 1 CALIFORNIA CREDIT UNION LEAGUE PO BOX 51476 ONTARIO CA 917610076 940357265 6480 PART I-A, LINE 1: THE CREDIT UNION MADE A CONTRIBUTION TO THE CALIFORNIA CREDIT UNION LEAGUE PAC AS PART OF ITS ANNUAL PAYMENT OF DUES. 4245399 4245399 22995412 8558474 14436938 2490430 988166 1502264 12927152 10176823 2750329 22934930 MEMBERS' SHARE AND SAVINGS ACCOUNTS 888940005 DEFERRED COMPENSATION LIABILITY 1088511 890028516 X 55866120 0 55866120 0 55866120 47626891 0 47626891 0 47626891 PART X, LINE 2: THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN POSITIONS EXIST AS OF DECEMBER 31, 2017 AND 2016. 1 ELKS RECREATION INC 1309 N BRADLEY RD SANTA MARIA CA 93454 952485566 501(C)4 8569 CHARITY ARROYO GRANDE HOSPITAL FOUNDATION 345 SOUTH HALCYON RD ARROYO GRANDE CA 93420 203256066 501(C)3 6500 CHARITY CHILDREN'S MIRACLE NETWORK HOSPITALS 205 WEST 700 SOUTH SALT LAKE CITY UT 84101 870387205 501(C)3 15500 CHARITY CALIFORNIA INTERNATIONAL AIRSHOW 37 MORTENSEN SALINAS CA 93902 942745231 501(C)3 10000 CHARITY NATIONAL CREDIT UNION FOUNDATION 5710 MINERAL POINT ROAD BOX 431 MADISON WI 53705 391383650 501(C)3 16000 CHARITY 4 1 SCHOLARSHIP 18 45500 PART I, LINE 2: COASTHILLS VERIFIES THE STATUS OF THE ORGANIZATION AS A REGISTERED 501(C)(3) OR OTHER TAX EXEMPT ORGANIZATION. OTHERWISE, WE IN GOOD FAITH ASSUME THAT THE ORGANIZATION IS USING THE FUNDS AS IT SAID IT WOULD, WHETHER IN ITS SPECIFIC REQUEST TO THE CREDIT UNION OR OTHER PUBLIC STATEMENTS. X X X 1 1 X X X X 0 0 0 JEFFERY C YORK CEO/PRESIDENT 438577 0 90875 0 16088 0 16250 0 21733 0 583523 0 0 0 DAVID J UPHAM EVP/COO 237100 0 20083 0 4508 0 20867 0 12371 0 294929 0 0 0 MARTY L CHATHAM SVP/CFO 221130 0 19286 0 5884 0 17972 0 21733 0 286005 0 0 0 BRUCE A ALTHEIDE VP WEALTH MANAGEMENT 31343 0 0 0 235989 0 11748 0 12371 0 291451 0 0 0 PAUL C COOK SVP/CIO 206906 0 18533 0 2835 0 19706 0 24333 0 272313 0 0 0 LISA NISSINEN-HARLOW SVP HUMAN RESOURCES 165909 0 14442 0 3452 0 18060 0 9786 0 211649 0 0 0 SCOTT D COE SVP MARKETING 163341 0 13720 0 3847 0 17240 0 8866 0 207014 0 0 0 ROBERT COVARRUBIAS SVP BUSINESS & MEMBER RELATIONS 169073 0 13506 0 2586 0 16306 0 12371 0 213842 0 0 0 JAMES LEDFORD VP CONSUMER LENDING 138806 0 11669 0 591 0 16134 0 22733 0 189933 0 0 0 CATHY CACHU AVP COMMERCIAL LENDING 116680 0 10235 0 17331 0 4308 0 14789 0 163343 0 0 0 MICHAEL L CARSON INFORMATION SECURITY OFFICER 142623 0 0 0 1371 0 7170 0 6839 0 158003 0 0 0 LINDA D JARRETT OLIVAR AVP INTERNAL AUDIT 128952 0 11321 0 423 0 11038 0 12371 0 164105 0 0 0 SUZANNE M LEEDALE VP BRANCH OPERATIONS & SUPPORT 133004 0 11488 0 469 0 6623 0 5770 0 157354 0 0 0 ANNE MILNE-RAMPONE CONSUMER LOAN BUSINESS DEV OFFICER 21432 0 0 0 130543 0 7447 0 14789 0 174211 0 0 0 BRUCE ALTHEIDE KEY EMPLOYEE MORTGAGE X 49500 47032 0 0 1 BRUCE ALTHEIDE KEY EMPLOYEE CREDIT CARD X 18000 2726 0 0 1 BRUCE ALTHEIDE KEY EMPLOYEE MORTGAGE X 396000 387152 0 0 1 MARTY CHATHAM OFFICER CASD X 248500 248500 0 1 1 MARTY CHATHAM OFFICER SECOND MORTGAGE X 52500 45625 0 0 1 MARTY CHATHAM OFFICER CREDIT CARD X 29000 26231 0 0 1 MARTY CHATHAM OFFICER MORTGAGE X 420000 396962 0 0 1 SCOTT COE KEY EMPLOYEE HELOC X 94281 94281 0 0 1 SCOTT COE KEY EMPLOYEE CREDIT CARD X 35000 22901 0 0 1 SCOTT COE KEY EMPLOYEE MORTGAGE X 240000 168952 0 0 1 DAVID UPHAM OFFICER HELOC X 47692 7955 0 0 1 DAVID UPHAM OFFICER AUTO LOAN X 47902 44708 0 1 1 DAVID UPHAM OFFICER MORTGAGE X 396500 383609 0 0 1 DAVID UPHAM OFFICER MORTGAGE X 240000 190048 0 0 1 JEFFREY YORK OFFICER HELOC X 122500 76839 0 1 1 JEFFREY YORK OFFICER CREDIT CARD X 33000 7612 0 1 1 JEFFREY YORK OFFICER MORTGAGE X 980000 917887 0 1 1 JEFFREY YORK OFFICER MORTGAGE X 678150 529879 0 1 1 JEFFREY YORK OFFICER CASD X 6944343 6944343 0 1 1 LINDA J JARRETT-OLIVAR HIGHEST COMPENSATED EMPLOYEE MORTGAGE X 438000 408951 0 0 1 LINDA J JARRETT-OLIVAR HIGHEST COMPENSATED EMPLOYEE MORTGAGE X 112000 94277 0 0 1 SUZANNE M LEEDALE HIGHEST COMPENSATED EMPLOYEE CREDIT CARD X 10000 328 0 0 1 SUZANNE M LEEDALE HIGHEST COMPENSATED EMPLOYEE 1ST MORTGAGE X 383000 325347 0 0 1 PAUL C COOK KEY EMPLOYEE AUTO LOAN X 15000 7902 0 0 1 PAUL C COOK KEY EMPLOYEE 1ST MORTGAGE X 508800 492698 0 0 1 LISA NISSINEN-HARLOW KEY EMPLOYEE CREDIT CARD X 25000 20680 0 0 1 DAVID UPHAM OFFICER CASD X 175000 175000 0 1 1 PAUL C COOK KEY EMPLOYEE CASD X 101000 101000 0 1 1 LISA NISSINEN-HARLOW KEY EMPLOYEE AUTO LOAN X 28077 24623 0 0 1 LISA NISSINEN-HARLOW KEY EMPLOYEE CASD X 104000 104000 0 1 1 SCOTT COE KEY EMPLOYEE CASD X 158000 158000 0 1 1 ROBERT COVARRUBIAS KEY EMPLOYEE CASD X 100000 100000 0 1 1 JAMES LEDFORD KEY EMPLOYEE AUTO LOAN X 25128 17777 0 0 1 JAMES LEDFORD KEY EMPLOYEE CREDIT CARD X 15000 7634 0 0 1 ANNE MILNE-RAMPONE HIGHEST COMPENSATED EMPLOYEE CREDIT CARD X 18500 7668 0 0 1 ANNE MILNE-RAMPONE HIGHEST COMPENSATED EMPLOYEE SIGNATURE LOAN X 20000 4563 0 0 1 12593690 FORM 990, PART VI, SECTION A, LINE 6 THE FIELD OF MEMBERSHIP SHALL BE LIMITED TO THOSE HAVING THE FOLLOWING COMMON BOND: INDIVIDUALS WHO LIVE, REGULARLY WORK, CURRENTLY ATTEND SCHOOL OR CURRENTLY WORSHIP WITHIN THE COUNTIES OF SANTA CRUZ, MONTEREY, SAN LUIS OBISPO, SANTA BARBARA AND VENTURA, CALIFORNIA, AS WELL AS ANY AND ALL BUSINESSES, CORPORATIONS, AND OTHER LEGAL ENTITIES LOCATED WITHIN THE COUNTIES OF SANTA CRUZ, MONTEREY, SAN LUIS OBISPO, SANTA BARBARA AND VENTURA, CALIFORNIA. FORM 990, PART VI, SECTION A, LINE 7A ALL HOLDERS OF BASIC SHARES ARE ALLOWED TO VOTE IN ANNUAL ELECTION FOR MEMBERS OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE. FORM 990, PART VI, SECTION A, LINE 7B MATTERS CONCERNING THE ALLOWED NUMBER OF DIRECTORS, ABILITY OF THE MEMBERSHIP TO VOTE BY MAIL, OR DISSOLUTION OF THE CREDIT UNION REQUIRES APPROVAL BY THE MEMBERSHIP. FORM 990, PART VI, SECTION B, LINE 11B THE RETURN IS AVAILABLE FOR MEMBERS OF THE BOARD OF DIRECTORS TO REVIEW PRIOR TO FILING. FORM 990, PART VI, SECTION B, LINE 12C LOANS TO OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE REPORTED QUARTERLY TO THE NCUA AND AGGREGATED BY SOCIAL SECURITY NUMBER. FORM 990, PART VI, SECTION B, LINE 15 COASTHILLS CREDIT UNION USES MARKET DATA BALANCECOMP ALONG WITH DATA FROM CUES TO HELP SET CEO COMPENSATION. COASTHILLS BOARD OF DIRECTORS COMMISSIONED D. HILTON ASSOCIATES TO CONDUCT A SEPARATE STUDY OF CEO COMPENSATION. AFTER DISCUSSIONS WITH BALANCECOMP AND D. HILTON ASSOCIATES, THE BOARD OF DIRECTORS MAKES A DECISION WHERE TO SET CEO COMPENSATION BASED UPON BOTH PERFORMANCE AND MARKET FACTORS. THESE DECISIONS ARE RECORDED IN THE BOARD EXECUTIVE COMMITTEE MINUTES AND CONFIRMED BY THE ENTIRE BOARD EXECUTIVE COMMITTEE. FOR OTHER OFFICERS AND KEY EMPLOYEES, COASTHILLS CREDIT UNION USES A COMPENSATION MATRIX PROVIDED BY BALANCECOMP THAT INCORPORATES MARKET DATA. FORM 990, PART VI, SECTION C, LINE 19 COPIES OF MONTHLY FINANCIAL STATEMENTS ARE KEPT IN EACH OF OUR 11 BRANCH LOCATIONS AND ARE AVAILABLE ON REQUEST. COASTHILLS WEALTH MANAGEMENT LLC 3880 CONSTELLATION ROAD LOMPOC CA 93436 861097244 MANAGEMENT OF MEMBER INVESTMENT ACCOUNTS CA 0 572 COASTHILLS CREDIT UNION