2025-11-14T14:15:48-06:00 2024-12-31 390859910 BAKER TILLY ADVISORY GROUP LP 805 SW BROADWAY STE 1400 PORTLAND OR 97205 990 2024-01-01 930492535 OREGON COMMUNITY CREDIT UNION OREG 8664557438 2880 CHAD DRIVE EUGENE OR 97408 RON NEUMANN CEO 8664557438 2025-11-12 1 1 WENDY CAMPOS P00448102 5032421447 2025-11-12 2024 2025-03-06 01:10:19Z RON NEUMANN 2880 CHAD DRIVE EUGENE OR 97408 252128476 0 X WWW.MYOCCU.ORG X 1956 OR TO ASSIST OUR MEMBERS IN MAKING BENEFICIAL LONG-TERM FINANCIAL DECISIONS. 9 9 712 0 134951 0 0 0 200079242 236359384 10752033 15769092 0 0 210831275 252128476 415522 531364 0 0 63180106 64140626 0 0 0 146063744 160380799 209659372 225052789 1171903 27075687 3335054668 3405521789 3017837163 3060595078 317217505 344926711 THE PURPOSE OF OREGON COMMUNITY CREDIT UNION IS TO ASSIST OUR MEMBERS IN MAKING BENEFICIAL LONG-TERM FINANCIAL DECISIONS BY PROVIDING THEM WITH COMPETITIVE DEPOSIT AND LOAN PRODUCTS. 0 0 PROMOTING THE FINANCIAL WELLBEING AND THRIFT OF 268,159 MEMBERS DURING 2024 BY PROVIDING LOAN AND SAVINGS SERVICES AT COMPETITIVE RATES. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 0 0 0 0 0 0 0 0 1 0 0 1 80221 0 1 712 1 1 1 0 0 0 0 0 1 0 X 9 9 0 0 0 0 1 1 1 1 0 0 0 0 1 1 1 1 1 1 1 0 OR X JOHN SCHIFFER SVP OF FINANCE 5416816062 2880 CHAD DRIVE EUGENE OR 97408 RONALD NEUMANN PRESIDENT & CEO 50.00 5.00 X 1171271 0 98112 GREGORY SCHUMACHER EXECUTIVE VICE PRESIDENT 50.00 5.00 X 593121 0 131435 TRACEY KEFFER CHIEF OPERATING OFFICER 50.00 5.00 X 479705 0 93867 BRIAN ALFANO CHIEF DIGITAL OFFICER 50.00 5.00 X 453754 0 104476 HEATHER BILLINGS CHIEF MARKETING OFFICER 50.00 5.00 X 409513 0 94928 BRIAN KILLINGSWORTH VP OF TECHNOLOGY SERVICES 50.00 X 316030 0 68390 JOHN SCHIFFER SVP OF FINANCE 50.00 5.00 X 306530 0 76443 GREGORY YOUNG VP OF INSURANCE SERVICES 50.00 X 295176 0 85488 ETHAN NELSON VP OF CREDIT ADMINISTRATION 50.00 X 301295 0 66045 CHRISTOPHER WHITTAKER SVP OF LENDING 50.00 X 299739 0 58752 BILL INGE BOARD CHAIR 8.00 X X 40117 0 0 BEVERLY ANDERSON BOARD VICE CHAIR 8.00 X X 30575 0 0 JACOB SIEGEL BOARD SECRETARY 8.00 X X 28618 0 0 GENEVIEVE PARKER BOARD DIRECTOR 8.00 X 27950 0 0 SAM KAMKAR BOARD DIRECTOR 8.00 X 24950 0 0 BRANDON ROGERS BOARD DIRECTOR 8.00 X 24371 0 0 JUSTIN FREEMAN BOARD DIRECTOR (AS OF 03/2024) 8.00 X 21783 0 0 JEANINE JENSEN BOARD SECRETARY (THRU 06/2024) 8.00 X X 13558 0 0 JEFFERSON CURL BOARD DIRECTOR (AS OF 03/2024) 8.00 X 11967 0 0 DENA PUTNAM-GILCHRIST BOARD DIRECTOR (AS OF 03/2024) 8.00 X 11967 0 0 THOMAS LARSON BOARD DIRECTOR (THRU 03/2024) 8.00 X 8317 0 0 PHILLIP SMITH BOARD DIRECTOR (THRU 03/2024) 8.00 X 5983 0 0 SCOTT SMITH BOARD DIRECTOR (THRU 03/2024) 8.00 X 5983 0 0 4882273 0 877936 130 0 1 0 ALKAMI TECHNOLOGY INC 5601 GRANITE PARKWAY STE 120 PLANO TX 75024 INTERNET BANKING 3006558 MCKENZIE COMMERCIAL CONTRACTORS INC 865 W SECOND AVENUE EUGENE OR 97402 CONTRACTOR 2700894 COOK SOLUTIONS GROUP INC 9225 NE CASCADES PARKWAY PORTLAND OR 97220 ATM SERVICING 1765606 LENDING SOLUTIONS INC 9706 4TH AVENUE NE SEATTLE WA 98115 CALL CENTER OVERFLOW 1227392 PREVEDELLO HETTICK MARKETING COMPANY 132 E BROADWAY STE 605 EUGENE OR 97401 MARKETING 725173 51 INTEREST ON LOANS/VISA 522100 194680305 194680305 FEES AND CHARGES 522100 15693671 15693671 VISA/ATM INTERCHANGE I 525990 9335404 9200453 134951 LOAN PARTICIPATION 525990 5336719 5336719 CREDIT CARD INTERCHANG 525990 2146377 2146377 9166908 9166908 236359384 15616956 15616956 83000 69136 0 0 83000 69136 152136 152136 252128476 236224433 134951 15769092 531364 3886322 47036364 2375057 6607597 4235286 355619 640903 4627822 3254001 12181678 6210381 3534756 276846 28295 58220673 4612339 573441 PROVISION FOR LOAN LOSS 47976579 LOAN SERVICING EXPENSE 11059574 BAD DEBT & OPERATING 6827892 225052789 8463386 24258019 202907289 174340464 826681 1053334 58899163 64660338 2969370957 3013920431 23108701 22101094 66182033 38836760 17681316 27345273 40448784 72824296 13348391 5018540 3335054668 3405521789 328295034 236641874 288643 257431 2689253486 2823695773 3017837163 3060595078 X 0 0 0 0 317217505 344926711 317217505 344926711 3335054668 3405521789 27075687 633519 0 X X 0 0 0 3342575 3342575 17221721 8000352 9221369 11432453 4226674 7205779 33784430 26415197 7369233 400854 194537 206317 27345273 MEMBER SHARES & SAVINGS 2823695773 2823695773 0 OCCU FOUNDATION INC 2880 CHAD DR EUGENE OR 97408 830566255 501(C)(3) 263348 0 GENERAL SUPPORT UNIVERSITY OF OREGON FOUNDATION 1720 E 13TH AVE SUITE 410 EUGENE OR 97403 936015767 501(C)(3) 100000 0 GENERAL SUPPORT EUGENE MARATHON 920 LAKESIDE AVE S SEATTLE WA 98144 760810890 56107 0 GENERAL SUPPORT LANE COMMUNITY COLLEGE FOUNDATION 4000 EAST 30TH AVE EUGENE OR 97405 237113266 501(C)(3) 21000 0 GENERAL SUPPORT CHILDREN'S MIRACLE NETWORK PO BOX 10905 EUGENE OR 97440 936026548 501(C)(3) 12515 0 GENERAL SUPPORT EUGENE AREA CHAMBER OF COMMERCE 1401 WILLAMETTE ST 97401 EUGENE OR 97401 930163290 501(C)(6) 12500 0 GENERAL SUPPORT SPRINGFIELD AREA CHAMBER OF COMMERC PO BOX 155 SPRINGFIELD OR 97477 930286205 501(C)(6) 6910 0 GENERAL SUPPORT 4 3 X X X X 0 1 0 RONALD NEUMANN PRESIDENT & CEO 838125 0 278250 0 54896 0 89700 0 8412 0 1269383 0 0 0 GREGORY SCHUMACHER EXECUTIVE VICE PRESIDENT 440904 0 48364 0 103853 0 116440 0 14995 0 724556 0 70353 0 TRACEY KEFFER CHIEF OPERATING OFFICER 364137 0 38988 0 76580 0 84579 0 9288 0 573572 0 52480 0 BRIAN ALFANO CHIEF DIGITAL OFFICER 331962 0 35875 0 85917 0 88217 0 16259 0 558230 0 54097 0 HEATHER BILLINGS CHIEF MARKETING OFFICER 296333 0 33227 0 79953 0 83380 0 11548 0 504441 0 46734 0 BRIAN KILLINGSWORTH VP OF TECHNOLOGY SERVICES 249175 0 35330 0 31525 0 66526 0 1864 0 384420 0 22612 0 JOHN SCHIFFER SVP OF FINANCE 249664 0 20132 0 36734 0 67202 0 9241 0 382973 0 26448 0 GREGORY YOUNG VP OF INSURANCE SERVICES 216038 0 75806 0 3332 0 67648 0 17840 0 380664 0 26501 0 ETHAN NELSON VP OF CREDIT ADMINISTRATION 240731 0 19016 0 41548 0 49853 0 16192 0 367340 0 22996 0 CHRISTOPHER WHITTAKER SVP OF LENDING 245339 0 21468 0 32932 0 50360 0 8392 0 358491 0 23846 0 PART I, LINE 4B GREGORY SCHUMACHER, EXECUTIVE VICE PRESIDENT, PARTICIPATES IN A SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN. TOTAL CONTRIBUTIONS OF $72,740 WERE MADE TO THE 457F PLAN IN 2024. TOTAL DISTRIBUTIONS OF $70,353 DISTRIBUTIONS WERE MADE FROM THE PLAN. TRACEY KEFFER, CHIEF OPERATING OFFICER, PARTICIPATES IN A SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN. TOTAL CONTRIBUTIONS OF $48,850 WERE MADE TO THE 457F PLAN IN 2024. TOTAL DISTRIBUTIONS OF $52,480 WERE MADE FROM THE PLAN. BRIAN ALFANO, CHIEF DIGITAL OFFICER, PARTICIPATES IN A SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN. TOTAL CONTRIBUTIONS OF $44,517 WERE MADE TO THE 457F PLAN IN 2024. TOTAL DISTRIBUTIONS OF $54,097 WERE MADE FROM THE PLAN. HEATHER BILLINGS, CHIEF MARKETING OFFICER, PARTICIPATES IN A SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN. TOTAL CONTRIBUTIONS OF $39,680 WERE MADE TO THE 457F PLAN IN 2024. TOTAL DISTRIBUTIONS OF $46,734 WERE MADE FROM THE PLAN. BRIAN KILLINGSWORTH, VP OF TECHNOLOGY SERVICES, PARTICIPATES IN A SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN. TOTAL CONTRIBUTIONS OF $28,256 WERE MADE TO THE 457F PLAN IN 2024. TOTAL DISTRIBUTIONS OF $22,612 WERE MADE FROM THE PLAN. JOHN SCHIFFER, SVP OF FINANCE, PARTICIPATES IN A SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN. TOTAL CONTRIBUTIONS OF $30,859 WERE MADE TO THE 457F PLAN IN 2024. TOTAL DISTRIBUTIONS OF $26,448 WERE MADE FROM THE PLAN. GREGORY YOUNG, VP OF INSURANCE SERVICES, PARTICIPATES IN A SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN. TOTAL CONTRIBUTIONS OF $29,048 WERE MADE TO THE 457F PLAN IN 2024. TOTAL DISTRIBUTIONS OF $26,501 WERE MADE FROM THE PLAN. ETHAN NELSON, VP OF CREDIT ADMINISTRATION, PARTICIPATES IN A SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN. TOTAL CONTRIBUTIONS OF $29,450 WERE MADE TO THE 457F PLAN IN 2024. TOTAL DISTRIBUTIONS OF $22,996 WERE MADE FROM THE PLAN. CHRISTOPHER WHITTAKER, SVP OF LENDING, PARTICIPATES IN A SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN. TOTAL CONTRIBUTIONS OF $29,184 WERE MADE TO THE 457F PLAN IN 2024. TOTAL DISTRIBUTIONS OF $23,846 WERE MADE FROM THE PLAN. JERRY LIUDAHL RETIRED CHIEF CREDIT OFFICER SPLIT DOLLAR LIFE INSURANCE X 1387993 1659240 0 1 1 RONALD NEUMANN CHIEF EXECUTIVE OFFICER SPLIT DOLLAR LIFE INSURANCE X 13295352 15431029 0 1 1 GREGORY SCHUMACHER EXECUTIVE VICE PRESIDENT SPLIT DOLLAR LIFE INSURANCE X 5516080 5977908 0 1 1 RONALD NEUMANN 2 CHIEF EXECUTIVE OFFICER SPLIT DOLLAR LIFE INSURANCE X 22576353 24262626 0 1 1 GREGORY SCHUMACHER 2 EXECUTIVE VICE PRESIDENT SPLIT DOLLAR LIFE INSURANCE X 5225531 5609186 0 1 1 GREGORY SCHUMACHER 3 EXECUTIVE VICE PRESIDENT SPLIT DOLLAR LIFE INSURANCE X 3042146 3264563 0 1 1 TRACEY KEFFER CHIEF OPERATING OFFICER SPLIT DOLLAR LIFE INSURANCE X 4106838 4419642 0 1 1 GREGORY SCHUMACHER 4 EXECUTIVE VICE PRESIDENT SPLIT DOLLAR LIFE INSURANCE X 3919976 4036144 0 1 1 64660338 FORM 990, PART VI, SECTION A, LINE 6 ANY INDIVIDUAL WITH AN ACCOUNT AT THE CREDIT UNION IS CONSIDERED A MEMBER. FORM 990, PART VI, SECTION A, LINE 7A EACH PRIMARY MEMBER OF THE CREDIT UNION IS GIVEN ONE VOTE AND IS ABLE TO ELECT MEMBERS OF THE GOVERNING BODY. FORM 990, PART VI, SECTION A, LINE 7B MAJOR DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL BY MEMBERS, HOWEVER, DAY TO DAY DECISIONS ARE NOT SUBJECT TO MEMBER APPROVAL. FORM 990, PART VI, SECTION A, LINE 8B THE ORGANIZATION DOES NOT HAVE ANY COMMITTEES WITH THE AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11B A COPY OF FORM 990 IS PROVIDED TO THE ORGANIZATION FOR REVIEW PRIOR TO FILING; THE CEO, EVP AND SVP OF FINANCE OF THE ORGANIZATION REVIEW THE FORM 990. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION HAS A CONFLICT OF INTEREST POLICY IN PLACE FOR BOTH THE COMPANY AND BOARD. EXPECTATIONS ARE CLEAR AT THE SENIOR MANAGEMENT LEVEL AND ARE COMMUNICATED DOWNWARD. THE ORGANIZATION HAS TRACKING PROCEDURES IN PLACE FOR POSSIBLE AND CONFIRMED CONFLICTS OF INTEREST. IF A CONFLICT OF INTEREST IS DETERMINED TO EXIST INVOLVING A BOARD MEMBER, THAT MEMBER WOULD BE REQUIRED TO ABSTAIN FROM VOTING ON THE ISSUE. FORM 990, PART VI, SECTION B, LINE 15 TOTAL COMPENSATION, INCLUDING BASE PAY, INCENTIVES AND OTHER BENEFITS, IS COMPARED AGAINST BALANCE COMP, CUES EXECUTIVE COMPENSATION PROGRAM, MILLIMAN NW FINANCIAL INDUSTRY SURVEY RESULTS AND OTHER EXECUTIVE PUBLICATIONS/REPORTS. CEO COMPENSATION IS REVIEWED BY THE BOARD PERSONNEL COMMITTEE AND APPROVED BY THE FULL BOARD. COMPENSATION AMOUNTS ARE TRACKED FOR FUTURE REFERENCE. THE LAST FORMAL COMPENSATION COMPARISON REVIEW BY THE ORGANIZATION WAS PERFORMED IN 2024. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION'S FINANCIAL STATEMENTS ARE POSTED ONLINE AND IN CREDIT UNION BRANCHES AND ARE AVAILABLE UPON REQUEST. GOVERNING DOCUMENTS ARE AVAILABLE TO MEMBERS UPON REQUEST. FORM 990, PART XII, LINE 2: THE CREDIT UNION IS GOVERNED BY THE NATIONAL CREDIT UNION ADMINISTRATION (NCUA). AS SUCH, REGULATORS REVIEW THE FINANCIAL TRANSACTIONS OF THE CREDIT UNION ON A CONSISTENT BASIS. IN ADDITION, THE CREDIT UNION MAINTAINS A SUPERVISORY COMMITTEE TO OVERSEE THE PERFORMANCE OF AN ANNUAL AUDIT OF THE STATMENTS OF FINANCIAL CONDITION. THESE AUDITED STATEMENTS OF FINANCIAL CONDITION ARE PREPARED ON A SEPTEMBER 30TH YEAR END. OCCU FOUNDATION 2880 CHAD DRIVE EUGENE OR 97408 830566255 PHILANTHROPIC EDUCATION AND CHARITABLE ACTIVITIES OR 501(C)(3) LINE 7 N/A 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 OCCU FOUNDATION B 263348 CASH VALUE