2018-11-15T17:53:19-06:00 2017-12-31 410746749 CLIFTONLARSONALLEN LLP 20 E THOMAS RD STE 2300 PHOENIX AZ 85012 990 2017-01-01 941244186 REDWOOD CREDIT UNION REDW 8004797928 3033 CLEVELAND AVE NO 100 SANTA ROSA CA 95403 RONALD FELDER CHIEF FINANCIAL & RISK OFFICER 8004797928 2018-11-13 1 MARY C GREEN P00447183 6022662248 67.137.57.251 2018-11-13 14:33:12 US P 42FD340E35B8AB0C7E9E3023DB81956AB5EFDD02 22B95CEE0D9897181ECB15AC345961CB2AA02439 2017 2019-02-21 02:37:17Z BRETT MARTINEZ 3033 CLEVELAND AVE NO 100 SANTA ROSA CA 95403 177298758 0 X WWW.REDWOODCU.ORG X 1950 CA PROVIDE FINANCIAL PRODUCTS AND SERVICES TO MEMBERS. 9 9 643 15 202648 -127553 0 0 147938259 164058596 -19140 12855561 0 0 147919119 176914157 0 0 5459738 7700148 39075079 42426015 0 0 0 46164692 59156632 90699509 109282795 57219610 67631362 3276496038 4030135754 2890284774 3576316744 386211264 453819010 PASSIONATELY SERVING THE BEST INTERESTS OF OUR MEMBERS, EMPLOYEES, AND COMMUNITIES. SERVING ALL OF OUR MEMBERS FINANCIAL SERVICE NEEDS. 0 0 REDWOOD CREDIT UNION IS ENGAGED IN PROVIDING LOW COST FINANCIAL SERVICES TO OUR MEMBER-OWNERS AS A COOPERATIVE ORGANIZATION. 0 0 1 0 0 0 0 0 0 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 1 1 1 0 1 45358 0 1 643 1 1 1 0 0 0 0 0 X 9 9 0 0 0 0 1 1 0 1 1 0 1 1 0 1 1 1 1 1 1 0 0 CA X MICHAEL GAY CONTROLLER 8004797928 3033 CLEVELAND AVE SUITE 100 SANTA ROSA CA 95403 BOB STEELE CHAIR 1.00 X X 0 0 0 JIM OLMSTED VICE CHAIR 1.00 X X 0 0 0 DEBBIE WATTS TREASURER 1.00 X X 0 0 0 LISA WITTKE SCHAFFNER SECRETARY 1.00 X X 0 0 0 DAVE IMOTO BOARD MEMBER 1.00 X 0 0 0 ROD DOLE BOARD MEMBER 1.00 X 0 0 0 GREG MCGUIRK BOARD MEMBER 1.00 X 0 0 0 BOB WIECK BOARD MEMBER 1.00 X 0 0 0 ROBERT EYLER BOARD MEMBER 1.00 X 0 0 0 BRETT MARTINEZ PRESIDENT/CEO 40.00 X 1589387 0 254451 ALISA HEATH CHIEF FINANCIAL & RISK OFFICER 40.00 X 281289 0 20269 ROBIN MCKENZIE SVP MARKETING & COMMUNICATIONS 40.00 X 302160 0 93928 ANTHONY E HILDESHEIM SVP CIO 40.00 X 299515 0 91671 CYNTHIA NEGRI EVP COO 40.00 X 460396 0 147428 KRISTINA DERKOS SVP PEOPLE 40.00 X 293890 0 106214 ANDY RAMOS SVP MEMBER EXPERIENCE 40.00 X 244963 0 86635 MISHEL KAUFMAN SVP RISK MANAGEMENT 40.00 X 227115 0 71277 TODD N LINDEMANN SVP PAYMENTS 40.00 X 311066 0 47658 RONALD FELDER EVP CLO 40.00 X 335853 0 98714 THOMAS HUBERT WEALTH MANAGEMENT PROGRAM DIRECTOR 40.00 X 253104 0 61911 DIANNA BERTHINIER SVP LENDING 40.00 X 245267 0 29583 MICHAEL DEFAZIO FINANCIAL ADVISOR 40.00 X 470049 0 9579 CHRISTINE FOSTER FINANCIAL ADVISOR 40.00 X 259492 0 13602 SCOTT DYKSTRA SENIOR SBA COMMERCIAL LOAN 40.00 X 359410 0 14135 JULIE NIX FINANCIAL ADVISOR 40.00 X 254129 0 11952 THERESA MITCHELL EXTERNAL MORTGAGE LOAN OFFICER 40.00 X 297055 0 21059 6484140 0 1180066 95 0 1 0 WESTERN BUILDERS 1400 N DUTTON AVE SUITE 7 SANTA ROSA CA 95401 GENERAL CONTRACTORS 4770027 PSCU 560 CARILLON PKWY ST PETERSBURG FL 33716 CREDIT CARD PROCESSOR 2339899 INFOIMAGE INC 141 JEFFERSON DR MENLO PARK CA 94025 STATEMENTS PROVIDER 1852874 JACK HENRY & ASSOCIATES PO BOX 609 MONETT MO 65708 CORE SYSTEM PROVIDER 950232 TROPE GROUP 2305 CIRCADIAN WAY SANTA ROSA CA 95407 WORK SPACE SOLUTIONS AND FURNITURE 682947 69 INTEREST ON LOANS TO MEMBERS 522100 114446020 114446020 INTERCHANGE INCOME 522100 21103201 21103201 SERVICE CHARGES AND FEES 522100 17152782 16950134 202648 COMMISSION INCOME FROM INVESTMENT 522100 3443505 3443505 OTHER NON-INTEREST INCOME 522100 2990144 2990144 4922944 4922944 164058596 12270240 12270240 804631 165291 333546 51055 471085 114236 585321 585321 176914157 163855948 202648 12855561 7700148 5953744 29228165 2273784 2210655 2759667 223569 204750 7755738 4789745 5566392 3965865 1147244 3028247 3299880 LOAN SERVICING 13360894 CREDIT FOR LOAN LOSSES 11075810 LOSSES AND FRAUD 2357434 MISCELLANEOUS EXPENSES 1589331 791733 109282795 638258547 896128064 14815080 16064792 2469732939 2948681490 79130316 29804539 37040856 49325777 19345185 20706207 97303431 99229424 3276496038 4030135754 22837562 23087608 2867447212 3553229136 2890284774 3576316744 X 0 0 0 0 386211264 453819010 386211264 453819010 3276496038 4030135754 67631362 -23616 0 X 0 1 X 1 0 37000 37000 37000 1 BILL DODD FOR SENATE 2020 1127 11TH ST STE 606 SACRAMENTO CA 95814 814405702 3000 CA CREDIT UNION LEAGUE PAC 1201 K ST SUITE 1050 SACRAMENTO CA 95814 942329967 34000 PART I-A, LINE 1: CONTRIBUTIONS TO POLITICAL ORGANIZATIONS 13372381 13372381 33828561 8128413 25700148 7986229 4608796 3377433 23445528 17067330 6378198 497617 497617 49325777 MEMBERS' SHARE AND SAVINGS ACCOUNTS 3553229136 3553229136 X PART X, LINE 2: THE CREDIT UNION EVALUATED THEIR TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2017 AND 2016. X 1 1 X X X X X 0 1 0 BRETT MARTINEZ PRESIDENT/CEO 650447 0 249837 0 689103 0 227429 0 27022 0 1843838 0 685671 0 ALISA HEATH CHIEF FINANCIAL & RISK OFFICER 254113 0 26000 0 1176 0 7149 0 13120 0 301558 0 0 0 ROBIN MCKENZIE SVP MARKETING & COMMUNICATIONS 239711 0 34687 0 27762 0 86451 0 7477 0 396088 0 0 0 ANTHONY E HILDESHEIM SVP CIO 240938 0 32999 0 25578 0 85707 0 5964 0 391186 0 0 0 CYNTHIA NEGRI EVP COO 329595 0 64176 0 66625 0 134308 0 13120 0 607824 0 0 0 KRISTINA DERKOS SVP PEOPLE 233394 0 36036 0 24460 0 87727 0 18487 0 400104 0 0 0 ANDY RAMOS SVP MEMBER EXPERIENCE 202258 0 26068 0 16637 0 67628 0 19007 0 331598 0 0 0 MISHEL KAUFMAN SVP RISK MANAGEMENT 202917 0 24172 0 26 0 55475 0 15802 0 298392 0 0 0 TODD N LINDEMANN SVP PAYMENTS 204844 0 29440 0 76782 0 38151 0 9507 0 358724 0 76756 0 RONALD FELDER EVP CLO 279177 0 56100 0 576 0 79707 0 19007 0 434567 0 0 0 THOMAS HUBERT WEALTH MANAGEMENT PROGRAM DIRECTOR 219519 0 33508 0 77 0 43424 0 18487 0 315015 0 0 0 DIANNA BERTHINIER SVP LENDING 214803 0 30464 0 0 0 20866 0 8717 0 274850 0 0 0 MICHAEL DEFAZIO FINANCIAL ADVISOR 47760 0 420489 0 1800 0 9579 0 0 0 479628 0 0 0 CHRISTINE FOSTER FINANCIAL ADVISOR 46672 0 212820 0 0 0 7266 0 6336 0 273094 0 0 0 SCOTT DYKSTRA SENIOR SBA COMMERCIAL LOAN 99464 0 259921 0 25 0 7800 0 6335 0 373545 0 0 0 JULIE NIX FINANCIAL ADVISOR 47760 0 206369 0 0 0 5988 0 5964 0 266081 0 0 0 THERESA MITCHELL EXTERNAL MORTGAGE LOAN OFFICER 29108 0 267947 0 0 0 7950 0 13109 0 318114 0 0 0 PART I, LINE 4B ALISA HEATH - $34,288 CONTRIBUTION TO 457(F) BRETT MARTINEZ - $190,119 CONTRIBUTION TO 457(F) ANDY RAMOS - $10,485 CONTRIBUTION TO 457(F) ANTHONY HILDESHEIM - $42,268 CONTRIBUTION TO 457(F) CYNTHIA NEGRI - $83,551 CONTRIBUTION TO 457(F) DIANNA BERTHINIER - $34,664 CONTRIBUTION TO 457(F) KRISTINA DERKOS - $48,569 CONTRIBUTION TO 457(F) MISHEL KAUFMAN - $31,678 CONTRIBUTION TO 457(F) ROBIN MCKENZIE - $47,870 CONTRIBUTION TO 457(F) RONALD FELDER - $72,985 CONTRIBUTION TO 457(F) THOMAS HUBERT - $36,745 CONTRIBUTION TO 457(F) TODD NOLL LINDEMANN - $21,968 CONTRIBUTION TO 457(F) BRETT MARTINEZ - 457(F) DISTRIBUTION - $685,671 TODD NOLL LINDEMANN - 457(F) DISTRIBUTION - $76,756 BRETT MARTINEZ PRESIDENT/ CEO TO FUND SPLIT DOLLAR PLAN INSURANCE POLICY X 15706866 16064792 0 1 1 16064792 FORM 990, PART VI, SECTION A, LINE 6 ORGANIZATION IS A CREDIT UNION AND AS SUCH HAS MEMBERS THAT UTILIZE THE CREDIT UNION FOR THEIR FINANCIAL NEEDS. FORM 990, PART VI, SECTION A, LINE 7A ORGANIZATION IS A CREDIT UNION AND THE MEMBERS ELECT THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 11B FORM 990 WILL BE COMPLETED AND REVIEWED BY THE CONTROLLER, SVP ADMINISTRATIVE SERVICES, CFO, AND PRESIDENT/CEO BEFORE IT IS FILED. FORM 990, PART VI, SECTION B, LINE 12C VOLUNTEERS MUST DISCLOSE TO THE BOARD OF DIRECTORS ANNUALLY ANY INVOLVEMENT WITH ORGANIZATIONS WHICH DO BUSINESS WITH THE CREDIT UNION. CREDIT UNION SENIOR MANAGEMENT SIGNS A DISCLOSURE ANNUALLY PER POLICY. FORM 990, PART VI, SECTION B, LINE 15A COMPENSATION OF THE CEO IS APPROVED BY THE BOARD OF DIRECTORS AFTER THE COMPENSATION COMMITTEE GATHERS DATA FROM OUTSIDE SOURCES AND REVIEWS SURVEY AND OTHER DATA. FOR OTHER OFFICERS AND KEY EMPLOYEES, THIRD PARTY DATA IS USED TO ADJUST THE COMPENSATION TO MARKET DATA. ALL OF THE JOBS ARE GRADED, AND IN EACH GRADE, THERE IS A FLOOR, CEILING AND MARKET. FORM 990, PART VI, SECTION C, LINE 19 QUARTERLY INCOME STATEMENTS ARE POSTED AT EACH BRANCH. ANNUAL FINANCIALS AND ANNUAL REPORT ARE AVAILABLE ON THE COMPANY'S WEBSITE. REDWOOD CREDIT UNION COMMUNITY FUND INC 3033 CLEVELAND AVENUE SANTA ROSA CA 95403 475084832 ADVANCING WELL-BEING OF THE COMMUNITY CA 501(C)(3) 7 REDWOOD CREDIT UNION 1 RCU SERVICES GROUP INC 3303 CLEVELAND AVE SUITE 100 SANTA ROSA CA 95404 680465274 INSURANCE AND AUTO SERVICES CA REDWOOD CREDIT UNION C 81987 6699030 1.00000 1 1 1 0 1 0 0 0 0 0 0 0 1 0 0 0 1 1 0 0 RCU SERVICES GROUP INC A 49076 CASH RCU COMMUNITY FUND INC B 1140314 CASH RCU SERVICES GROUP INC D 874000 12/31/17 LOAN BALANCE RCU SERVICES GROUP INC L 209039 CASH RCU SERVICES GROUP INC P 34037 RCU SERVICES GROUP INC Q 3666924 CASH