Northwest Community Credit Union: Form 990, tax year 2017
View the entire original 990 at ProPublica ↗
- Organization
- Northwest Community Credit Union (EIN 93-0389726)
- Tax period
- 2017-01-01 to 2017-12-31
- Filed
- 2018-05-04
- IRS object ID
- 201841249349301119
- Schema version
- 2017v2.2
- 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 ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2018-05-04T10:52:45-07:00 | ReturnTs |
| Tax Period End | 2017-12-31 | TaxPeriodEndDt |
| Return Type | 990 | ReturnTypeCd |
| Tax Period Begin | 2017-01-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 930389726 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | Northwest Community Credit Union | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | NORT | BusinessNameControlTxt |
| Phone | 5417449437 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 545 E 8th Ave | AddressLine1Txt |
| City | Eugene | CityNm |
| State Abbreviation | OR | StateAbbreviationCd |
| ZIP | 97401 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | QING LU | PersonNm |
| Person Title | CFO | PersonTitleTxt |
| Signature | 2018-05-04 | SignatureDt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2017 | TaxYr |
| Build TS | 2022-09-23 18:48:47Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Principal Officer | QING LU | PrincipalOfficerNm |
| Gross Receipts | $61,174,096 | GrossReceiptsAmt |
| Group Return For Affiliates | false | GroupReturnForAffiliatesInd |
| All Affiliates Included | false | AllAffiliatesIncludedInd |
| Organization501c | Yes (X) | Organization501cInd |
| Website Address | www.nwcu.com | WebsiteAddressTxt |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Formation | 1949 | FormationYr |
| Activity Or Mission | Focus on the member, add value and build partnership. | ActivityOrMissionDesc |
| Voting Members Governing Body | 11 | VotingMembersGoverningBodyCnt |
| Voting Members Independent | 11 | VotingMembersIndependentCnt |
| Total Employee | 395 | TotalEmployeeCnt |
| Total Volunteers | 14 | TotalVolunteersCnt |
| Total Gross UBI | $94,420 | TotalGrossUBIAmt |
| Net Unrelated Bus Txbl Incm | -$28,591 | NetUnrelatedBusTxblIncmAmt |
| CY Contributions Grants | $0 | CYContributionsGrantsAmt |
| PY Program Service Revenue | $57,828,251 | PYProgramServiceRevenueAmt |
| CY Program Service Revenue | $60,285,557 | CYProgramServiceRevenueAmt |
| PY Investment Income | $1,844,661 | PYInvestmentIncomeAmt |
| CY Investment Income | $753,538 | CYInvestmentIncomeAmt |
| PY Other Revenue | $95,478 | PYOtherRevenueAmt |
| CY Other Revenue | $94,420 | CYOtherRevenueAmt |
| PY Total Revenue | $59,768,390 | PYTotalRevenueAmt |
| CY Total Revenue | $61,133,515 | CYTotalRevenueAmt |
| CY Grants And Similar Paid | $0 | CYGrantsAndSimilarPaidAmt |
| CY Benefits Paid To Members | $0 | CYBenefitsPaidToMembersAmt |
| PY Salaries Comp Emp Bnft Paid | $22,668,401 | PYSalariesCompEmpBnftPaidAmt |
| CY Salaries Comp Emp Bnft Paid | $23,402,261 | CYSalariesCompEmpBnftPaidAmt |
| CY Total Prof Fndrsng Expns | $0 | CYTotalProfFndrsngExpnsAmt |
| CY Total Fundraising Expense | $0 | CYTotalFundraisingExpenseAmt |
| PY Other Expenses | $31,263,526 | PYOtherExpensesAmt |
| CY Other Expenses | $30,925,220 | CYOtherExpensesAmt |
| PY Total Expenses | $53,931,927 | PYTotalExpensesAmt |
| CY Total Expenses | $54,327,481 | CYTotalExpensesAmt |
| PY Revenues Less Expenses | $5,836,463 | PYRevenuesLessExpensesAmt |
| CY Revenues Less Expenses | $6,806,034 | CYRevenuesLessExpensesAmt |
| Total Assets BOY | $1,099,096,507 | TotalAssetsBOYAmt |
| Total Assets EOY | $1,152,411,749 | TotalAssetsEOYAmt |
| Total Liabilities BOY | $21,446,981 | TotalLiabilitiesBOYAmt |
| Total Liabilities EOY | $24,958,199 | TotalLiabilitiesEOYAmt |
| Net Assets Or Fund Balances BOY | $1,077,649,526 | NetAssetsOrFundBalancesBOYAmt |
| Net Assets Or Fund Balances EOY | $1,127,453,550 | NetAssetsOrFundBalancesEOYAmt |
| Mission | Focus on the member, add value and build partnership. | MissionDesc |
| Significant New Program Srvc | false | SignificantNewProgramSrvcInd |
| Significant Change | false | SignificantChangeInd |
| Desc | Focus on member, add value and build partnership. | Desc |
| Described In Section501c3 | false | DescribedInSection501c3Ind |
| Schedule B Required | false | ScheduleBRequiredInd |
| Political Campaign Acty | false | PoliticalCampaignActyInd |
| Subject To Proxy Tax | false | SubjectToProxyTaxInd |
| Donor Advised Fund | false | DonorAdvisedFundInd |
| Conservation Easements | false | ConservationEasementsInd |
| Collections Of Art | false | CollectionsOfArtInd |
| Credit Counseling | false | CreditCounselingInd |
| Temp Or Permanent Endowments | false | TempOrPermanentEndowmentsInd |
| Report Land Building Equipment | Yes (true) | ReportLandBuildingEquipmentInd |
| Report Investments Other Sec | false | ReportInvestmentsOtherSecInd |
| Report Program Related Invst | false | ReportProgramRelatedInvstInd |
| Report Other Assets | false | ReportOtherAssetsInd |
| Report Other Liabilities | false | ReportOtherLiabilitiesInd |
| Include FIN48 Footnote | false | IncludeFIN48FootnoteInd |
| Independent Audit Fincl Stmt | false | IndependentAuditFinclStmtInd |
| Consolidated Audit Fincl Stmt | false | ConsolidatedAuditFinclStmtInd |
| School Operating | false | SchoolOperatingInd |
| Foreign Office | false | ForeignOfficeInd |
| Foreign Activities | false | ForeignActivitiesInd |
| More Than5000 K To Org | false | MoreThan5000KToOrgInd |
| More Than5000 K To Individuals | false | MoreThan5000KToIndividualsInd |
| Professional Fundraising | false | ProfessionalFundraisingInd |
| Fundraising Activities | false | FundraisingActivitiesInd |
| Gaming Activities | false | GamingActivitiesInd |
| Operate Hospital | false | OperateHospitalInd |
| Grants To Organizations | false | GrantsToOrganizationsInd |
| Grants To Individuals | false | GrantsToIndividualsInd |
| Schedule J Required | Yes (true) | ScheduleJRequiredInd |
| Tax Exempt Bonds | false | TaxExemptBondsInd |
| Invest Tax Exempt Bonds | false | InvestTaxExemptBondsInd |
| Escrow Account | false | EscrowAccountInd |
| On Behalf Of Issuer | false | OnBehalfOfIssuerInd |
| Loan Outstanding | false | LoanOutstandingInd |
| Grant To Related Person | false | GrantToRelatedPersonInd |
| Business Rln With Org Mem | false | BusinessRlnWithOrgMemInd |
| Business Rln With Fam Mem | false | BusinessRlnWithFamMemInd |
| Business Rln With Officer Ent | false | BusinessRlnWithOfficerEntInd |
| Deductible Non Cash Contri | false | DeductibleNonCashContriInd |
| Deductible Art Contribution | false | DeductibleArtContributionInd |
| Terminate Operations | false | TerminateOperationsInd |
| Partial Liquidation | false | PartialLiquidationInd |
| Disregarded Entity | false | DisregardedEntityInd |
| Related Entity | false | RelatedEntityInd |
| Related Organization Ctrl Ent | false | RelatedOrganizationCtrlEntInd |
| Activities Conducted Prtshp | false | ActivitiesConductedPrtshpInd |
| Schedule O Required | Yes (true) | ScheduleORequiredInd |
| IRP Document | 43260 | IRPDocumentCnt |
| IRP Document W2 G | 0 | IRPDocumentW2GCnt |
| Backup Wthld Compliance | Yes (true) | BackupWthldComplianceInd |
| Employee | 395 | EmployeeCnt |
| Employment Tax Returns Filed | Yes (true) | EmploymentTaxReturnsFiledInd |
| Unrelated Bus Incm Over Limit | Yes (true) | UnrelatedBusIncmOverLimitInd |
| Form990 T Filed | Yes (true) | Form990TFiledInd |
| Foreign Financial Account | false | ForeignFinancialAccountInd |
| Prohibited Tax Shelter Trans | false | ProhibitedTaxShelterTransInd |
| Taxable Party Notification | false | TaxablePartyNotificationInd |
| Nondeductible Contributions | false | NondeductibleContributionsInd |
| DAF Excess Business Holdings | false | DAFExcessBusinessHoldingsInd |
| Taxable Distributions | false | TaxableDistributionsInd |
| Distribution To Donor | false | DistributionToDonorInd |
| Org Filed In Lieu Of Form1041 | false | OrgFiledInLieuOfForm1041Ind |
| Licensed More Than One State | false | LicensedMoreThanOneStateInd |
| Indoor Tanning Services | false | IndoorTanningServicesInd |
| Info In Schedule O Part VI | Yes (X) | InfoInScheduleOPartVIInd |
| Governing Body Voting Members | 11 | GoverningBodyVotingMembersCnt |
| Independent Voting Member | 11 | IndependentVotingMemberCnt |
| Family Or Business Rln | Yes (true) | FamilyOrBusinessRlnInd |
| Delegation Of Mgmt Duties | false | DelegationOfMgmtDutiesInd |
| Change To Org Documents | false | ChangeToOrgDocumentsInd |
| Material Diversion Or Misuse | false | MaterialDiversionOrMisuseInd |
| Members Or Stockholders | Yes (true) | MembersOrStockholdersInd |
| Election Of Board Members | Yes (true) | ElectionOfBoardMembersInd |
| Decisions Subject To Approva | false | DecisionsSubjectToApprovaInd |
| Minutes Of Governing Body | Yes (true) | MinutesOfGoverningBodyInd |
| Minutes Of Committees | Yes (true) | MinutesOfCommitteesInd |
| Officer Mailing Address | false | OfficerMailingAddressInd |
| Local Chapters | Yes (true) | LocalChaptersInd |
| Policies Reference Chapters | Yes (true) | PoliciesReferenceChaptersInd |
| Form990 Provided To Gvrn Body | Yes (true) | Form990ProvidedToGvrnBodyInd |
| Conflict Of Interest Policy | Yes (true) | ConflictOfInterestPolicyInd |
| Annual Disclosure Covered Prsn | Yes (true) | AnnualDisclosureCoveredPrsnInd |
| Regular Monitoring Enfrc | Yes (true) | RegularMonitoringEnfrcInd |
| Whistleblower Policy | Yes (true) | WhistleblowerPolicyInd |
| Document Retention Policy | Yes (true) | DocumentRetentionPolicyInd |
| Compensation Process CEO | Yes (true) | CompensationProcessCEOInd |
| Compensation Process Other | false | CompensationProcessOtherInd |
| Investment In Joint Venture | false | InvestmentInJointVentureInd |
| Own Website | Yes (X) | OwnWebsiteInd |
| Upon Request | Yes (X) | UponRequestInd |
Books In Care Of Detail BooksInCareOfDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | Qing Lu | PersonNm |
| Phone | 5417449437 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 84846 S Willamette St | AddressLine1Txt |
| City | Eugene | CityNm |
| State Abbreviation | OR | StateAbbreviationCd |
| ZIP | 97405 | ZIPCd |
Form990 Part VII Section A Form990PartVIISectionAGrp (27 entries)
| TitleTitleTxt | Average Hours Per WeekAverageHoursPerWeekRt | Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt | Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd | Reportable Comp From OrgReportableCompFromOrgAmt | Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt | Other CompensationOtherCompensationAmt | OfficerOfficerInd | Key EmployeeKeyEmployeeInd | Highest Compensated EmployeeHighestCompensatedEmployeeInd | Former Ofcr Director TrusteeFormerOfcrDirectorTrusteeInd |
|---|---|---|---|---|---|---|---|---|---|---|
| Brad D Anderson | ||||||||||
| Director | 6.27 | 0.00 | Yes (X) | $22,917 | $0 | $0 | ||||
| Barbara Blackmore | ||||||||||
| Director | 3.37 | 0.00 | Yes (X) | $18,333 | $0 | $0 | ||||
| Marc Kardell | ||||||||||
| Director | 2.40 | 0.00 | Yes (X) | $7,333 | $0 | $0 | ||||
| Joyce Fish | ||||||||||
| Director | 0.46 | 0.00 | Yes (X) | $0 | $0 | $0 | ||||
| Roxanne Gillespie | ||||||||||
| Director | 3.98 | 0.00 | Yes (X) | $18,333 | $0 | $0 | ||||
| Mark Miksis | ||||||||||
| Director | 2.13 | 0.00 | Yes (X) | $13,750 | $0 | $0 | ||||
| Judy Shurts | ||||||||||
| Director | 3.04 | 0.00 | Yes (X) | $13,750 | $0 | $0 | ||||
| Barry C Houk | ||||||||||
| Director | 2.55 | 0.00 | Yes (X) | $18,333 | $0 | $0 | ||||
| Jason Wendland | ||||||||||
| Director | 2.04 | 0.00 | Yes (X) | $7,333 | $0 | $0 | ||||
| Richard Leung | ||||||||||
| Director | 3.02 | 0.00 | Yes (X) | $18,333 | $0 | $0 | ||||
| David Rainwater | ||||||||||
| Director | 4.21 | 0.00 | Yes (X) | $18,333 | $0 | $0 | ||||
| Wei Chen | ||||||||||
| Director | 3.08 | 0.00 | Yes (X) | $7,333 | $0 | $0 | ||||
| Erin Erben | ||||||||||
| Director | 3.54 | 0.00 | Yes (X) | $13,750 | $0 | $0 | ||||
| Susan Tranberg | ||||||||||
| Director | 3.60 | 0.00 | Yes (X) | $11,000 | $0 | $0 | ||||
| Russell Bernardo | ||||||||||
| CLO | 40.00 | 0.00 | $159,154 | $0 | $24,401 | Yes (X) | ||||
| Melissa Vigil | ||||||||||
| COO | 40.00 | 0.00 | $234,147 | $0 | $30,652 | Yes (X) | ||||
| Lucilla Valley | ||||||||||
| CAO | 40.00 | 0.00 | $120,461 | $0 | $10,638 | Yes (X) | ||||
| John Iglesias | ||||||||||
| CEO | 40.00 | 0.00 | $758,613 | $0 | $233,541 | Yes (X) | ||||
| Qing Lu | ||||||||||
| CFO | 40.00 | 0.00 | $210,981 | $0 | $17,922 | Yes (X) | ||||
| Kate Gardner Lange | ||||||||||
| Sr. Invest. Svcs | 40.00 | 0.00 | $142,797 | $0 | $15,612 | Yes (X) | ||||
| Michael Hoagland | ||||||||||
| Dir Risk Mgmt | 40.00 | 0.00 | $135,789 | $0 | $18,009 | Yes (X) | ||||
| Janette Griffin | ||||||||||
| Regional Dir. Bch | 40.00 | 0.00 | $132,422 | $0 | $14,597 | Yes (X) | ||||
| Jon Mainard | ||||||||||
| Dir Invest Svcs | 40.00 | 0.00 | $131,939 | $0 | $21,014 | Yes (X) | ||||
| Susan Simons | ||||||||||
| Dir. Enterprise Ap | 40.00 | 0.00 | $123,778 | $0 | $12,464 | Yes (X) | ||||
| Aaron Beldner | ||||||||||
| CIO | 40.00 | 0.00 | $217,791 | $0 | $27,091 | Yes (X) | ||||
| Paul Stednitz | ||||||||||
| CMDO | 40.00 | 0.00 | $135,126 | $0 | $13,782 | Yes (X) | ||||
| Bill Woods | ||||||||||
| Former CLO | 40.00 | 0.00 | $300,684 | $0 | $22,550 | Yes (X) | ||||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | $2,992,513 | TotalReportableCompFromOrgAmt |
| Total Other Compensation | $462,273 | TotalOtherCompensationAmt |
| Indiv Rcvd Greater Than100 K | 13 | IndivRcvdGreaterThan100KCnt |
| Former Ofcr Employees Listed | Yes (true) | FormerOfcrEmployeesListedInd |
| Total Comp Greater Than150 K | Yes (true) | TotalCompGreaterThan150KInd |
| Compensation From Other Srcs | false | CompensationFromOtherSrcsInd |
Contractor Compensation ContractorCompensationGrp (5 entries)
| Address Line1ContractorAddress/USAddress/AddressLine1Txt | CityContractorAddress/USAddress/CityNm | State AbbreviationContractorAddress/USAddress/StateAbbreviationCd | ZIPContractorAddress/USAddress/ZIPCd | ServicesServicesDesc | CompensationCompensationAmt |
|---|---|---|---|---|---|
| Fiserv | |||||
| 225 Fiserv Drive | Brookfield | WI | 53045 | Financial Technology | $1,752,311 |
| Q2 Software | |||||
| 13785 Research Blvd 150 | Austin | TX | 78750 | Financial Technology | $920,082 |
| CompuNet | |||||
| 505 S Florence St | Grangeville | ID | 83530 | Technology Services | $593,560 |
| Electric Lightwave | |||||
| PO Box 2966 | Milwaukee | WI | 53201 | IT Support | $532,109 |
| TruHome Solutions | |||||
| 9601 Legler Rd | Lenexa | KS | 66219 | Mortgage Servacing | $467,652 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Cntrct Rcvd Greater Than100 K | 5 | CntrctRcvdGreaterThan100KCnt |
| Total Contributions | $0 | TotalContributionsAmt |
Program Service Revenue ProgramServiceRevenueGrp (3 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt |
|---|---|---|---|
| Interchange fees and othe | 522100 | $3,043,978 | $3,043,978 |
| Interest Income to member | 522100 | $43,738,308 | $43,738,308 |
| Member acct and service | 522100 | $13,503,271 | $13,503,271 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | $60,285,557 | TotalProgramServiceRevenueAmt |
Investment Income InvestmentIncomeGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $753,538 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $753,538 | RelatedOrExemptFuncIncomeAmt |
Incm From Invest Bond Proceeds IncmFromInvestBondProceedsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $0 | TotalRevenueColumnAmt |
Royalties Revenue RoyaltiesRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $0 | TotalRevenueColumnAmt |
Gross Rents GrossRentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $135,001 | RealAmt |
Less Rental Expenses LessRentalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $40,581 | RealAmt |
Rental Income Or Loss RentalIncomeOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $94,420 | RealAmt |
Net Rental Income Or Loss NetRentalIncomeOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $94,420 | TotalRevenueColumnAmt |
| Unrelated Business Revenue | $94,420 | UnrelatedBusinessRevenueAmt |
Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $0 | TotalRevenueColumnAmt |
Net Incm From Fundraising Evt NetIncmFromFundraisingEvtGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $0 | TotalRevenueColumnAmt |
Net Income From Gaming NetIncomeFromGamingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $0 | TotalRevenueColumnAmt |
Net Income Or Loss NetIncomeOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $0 | TotalRevenueColumnAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Revenue Total | $0 | OtherRevenueTotalAmt |
Total Revenue TotalRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $61,133,515 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $61,039,095 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $94,420 | UnrelatedBusinessRevenueAmt |
Grants To Domestic Orgs GrantsToDomesticOrgsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Grants To Domestic Individuals GrantsToDomesticIndividualsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Foreign Grants ForeignGrantsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Benefits To Members BenefitsToMembersGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,238,764 | TotalAmt |
Comp Disqual Persons CompDisqualPersonsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Other Salaries And Wages OtherSalariesAndWagesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $16,535,825 | TotalAmt |
Pension Plan Contributions PensionPlanContributionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,040,486 | TotalAmt |
Other Employee Benefits OtherEmployeeBenefitsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $2,950,613 | TotalAmt |
Payroll Taxes PayrollTaxesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,636,573 | TotalAmt |
Fees For Services Management FeesForServicesManagementGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Fees For Services Legal FeesForServicesLegalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $876,689 | TotalAmt |
Fees For Services Accounting FeesForServicesAccountingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $220,969 | TotalAmt |
Fees For Services Lobbying FeesForServicesLobbyingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Fees For Services Prof Fundraising FeesForServicesProfFundraising
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Fees For Services Other FeesForServicesOtherGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $310,274 | TotalAmt |
Advertising AdvertisingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $838,134 | TotalAmt |
Office Expenses OfficeExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $4,300,889 | TotalAmt |
Information Technology InformationTechnologyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $2,963,972 | TotalAmt |
Royalties RoyaltiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Occupancy OccupancyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,797,855 | TotalAmt |
Travel TravelGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $406,040 | TotalAmt |
Pymt Travel Entrtnmnt Pub Ofcl PymtTravelEntrtnmntPubOfclGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Conferences Meetings ConferencesMeetingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $224,724 | TotalAmt |
Interest InterestGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $4,234,948 | TotalAmt |
Payments To Affiliates PaymentsToAffiliatesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Depreciation Depletion DepreciationDepletionGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $2,551,243 | TotalAmt |
Insurance InsuranceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $203,153 | TotalAmt |
Other Expenses OtherExpensesGrp (4 entries)
| DescDesc | TotalTotalAmt |
|---|---|
| Loan Loss Expense | $7,011,986 |
| Loan Product expense | $3,585,491 |
| Other share and loan product | $1,261,930 |
| Personal prop tax | $69,793 |
All Other Expenses AllOtherExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $67,130 | TotalAmt |
Total Functional Expenses TotalFunctionalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $54,327,481 | TotalAmt |
| Program Services | $0 | ProgramServicesAmt |
| Management And General | $0 | ManagementAndGeneralAmt |
| Fundraising | $0 | FundraisingAmt |
Cash Non Interest Bearing CashNonInterestBearingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $14,427,450 | BOYAmt |
| EOY | $18,624,697 | EOYAmt |
Savings And Temp Cash Invst SavingsAndTempCashInvstGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $24,469,043 | BOYAmt |
| EOY | $31,460,220 | EOYAmt |
Pledges And Grants Receivable PledgesAndGrantsReceivableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | $0 | EOYAmt |
Accounts Receivable AccountsReceivableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | $0 | EOYAmt |
Receivables From Officers Etc ReceivablesFromOfficersEtcGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | $0 | EOYAmt |
Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $4,716,816 | BOYAmt |
| EOY | $2,053,288 | EOYAmt |
Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $951,985,333 | BOYAmt |
| EOY | $1,007,932,407 | EOYAmt |
Inventories For Sale Or Use InventoriesForSaleOrUseGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | $0 | EOYAmt |
Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $2,958,216 | BOYAmt |
| EOY | $2,798,071 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Bldg Equip Cost Or Other Bss | $56,417,536 | LandBldgEquipCostOrOtherBssAmt |
| Land Bldg Equip Accum Deprec | $18,353,874 | LandBldgEquipAccumDeprecAmt |
Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $38,997,779 | BOYAmt |
| EOY | $38,063,662 | EOYAmt |
Investments Pub Traded Sec InvestmentsPubTradedSecGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | $0 | EOYAmt |
Investments Other Securities InvestmentsOtherSecuritiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | $0 | EOYAmt |
Investments Program Related InvestmentsProgramRelatedGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $38,744,587 | BOYAmt |
| EOY | $29,154,750 | EOYAmt |
Intangible Assets IntangibleAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $246,927 | BOYAmt |
| EOY | $118,095 | EOYAmt |
Other Assets Total OtherAssetsTotalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $22,550,356 | BOYAmt |
| EOY | $22,206,559 | EOYAmt |
Total Assets TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,099,096,507 | BOYAmt |
| EOY | $1,152,411,749 | EOYAmt |
Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $21,446,980 | BOYAmt |
| EOY | $20,958,199 | EOYAmt |
Unsecured Notes Loans Payable UnsecuredNotesLoansPayableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| EOY | $4,000,000 | EOYAmt |
Other Liabilities OtherLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1 | BOYAmt |
Total Liabilities TotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $21,446,981 | BOYAmt |
| EOY | $24,958,199 | 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 | $977,039,608 | BOYAmt |
| EOY | $1,020,271,169 | EOYAmt |
Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $100,609,918 | BOYAmt |
| EOY | $107,182,381 | EOYAmt |
Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,077,649,526 | BOYAmt |
| EOY | $1,127,453,550 | EOYAmt |
Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,099,096,507 | BOYAmt |
| EOY | $1,152,411,749 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part XI | Yes (X) | InfoInScheduleOPartXIInd |
| Reconcilation Revenue Expnss | $6,806,034 | ReconcilationRevenueExpnssAmt |
| Net Unrlzd Gains Losses Invst | -$47,840 | NetUnrlzdGainsLossesInvstAmt |
| Other Changes In Net Assets | $43,045,830 | OtherChangesInNetAssetsAmt |
| Method Of Accounting Accrual | Yes (X) | MethodOfAccountingAccrualInd |
| Accountant Compile Or Review | false | AccountantCompileOrReviewInd |
| FS Audited | false | FSAuditedInd |
| Federal Grant Audit Required | false | FederalGrantAuditRequiredInd |
Schedule D IRS990ScheduleD
Land LandGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $4,643,249 | OtherCostOrOtherBasisAmt |
| Book Value | $4,643,249 | BookValueAmt |
Buildings BuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $33,190,077 | OtherCostOrOtherBasisAmt |
| Depreciation | $5,559,802 | DepreciationAmt |
| Book Value | $27,630,275 | BookValueAmt |
Leasehold Improvements LeaseholdImprovementsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $1,233,044 | OtherCostOrOtherBasisAmt |
| Depreciation | $554,839 | DepreciationAmt |
| Book Value | $678,205 | BookValueAmt |
Equipment EquipmentGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $526,469 | OtherCostOrOtherBasisAmt |
| Depreciation | $204,621 | DepreciationAmt |
| Book Value | $321,848 | BookValueAmt |
Other Land Buildings OtherLandBuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $16,824,697 | OtherCostOrOtherBasisAmt |
| Depreciation | $12,034,612 | DepreciationAmt |
| Book Value | $4,790,085 | BookValueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Land Buildings | $38,063,662 | TotalBookValueLandBuildingsAmt |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Travel For Companions | Yes (X) | TravelForCompanionsInd |
| Written Policy Ref T And E Expnss | Yes (true) | WrittenPolicyRefTAndEExpnssInd |
| Substantiation Required | Yes (true) | SubstantiationRequiredInd |
| Independent Consultant | Yes (X) | IndependentConsultantInd |
| Written Employment Contract | Yes (X) | WrittenEmploymentContractInd |
| Compensation Survey | Yes (X) | CompensationSurveyInd |
| Board Or Committee Approval | Yes (X) | BoardOrCommitteeApprovalInd |
| Severance Payment | Yes (true) | SeverancePaymentInd |
| Supplemental Nonqual Rtr Plan | Yes (true) | SupplementalNonqualRtrPlanInd |
| Equity Based Comp Arrngm | false | EquityBasedCompArrngmInd |
Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (10 entries)
| TitleTitleTxt | Base Compensation Filing OrgBaseCompensationFilingOrgAmt | Bonus Filing OrganizationBonusFilingOrganizationAmount | Other Compensation Filing OrgOtherCompensationFilingOrgAmt | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt | Total Compensation Filing OrgTotalCompensationFilingOrgAmt |
|---|---|---|---|---|---|
| Aaron Beldner | |||||
| CIO | $147,094 | $40,047 | $30,650 | $27,091 | $244,882 |
| Bill Woods | |||||
| Former CLO | $35,071 | $65,414 | $200,199 | $22,550 | $323,234 |
| John Iglesias | |||||
| CEO | $364,161 | $322,008 | $72,444 | $233,541 | $992,154 |
| Jon Mainard | |||||
| Dir Invest Svcs | $48,728 | $80,735 | $2,476 | $21,014 | $152,953 |
| Kate Gardner Lange | |||||
| Sr. Invest. Svcs | $56,609 | $80,685 | $5,503 | $15,612 | $158,409 |
| Melissa Vigil | |||||
| COO | $180,125 | $32,359 | $21,663 | $30,652 | $264,799 |
| Michael Hoagland | |||||
| Dir Risk Mgmt | $112,654 | $17,664 | $5,471 | $18,009 | $153,798 |
| Paul Stednitz | |||||
| CMDO | $109,661 | $8,942 | $16,523 | $13,782 | $148,908 |
| Qing Lu | |||||
| CFO | $180,990 | $21,151 | $8,840 | $17,922 | $228,903 |
| Russell Bernardo | |||||
| CLO | $120,171 | $29,500 | $9,483 | $24,401 | $183,555 |
Supplemental Information Detail SupplementalInformationDetail (2 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| Part I, Line 1a: Relevant information in regards to selections on 1a. | Travel for spouse or companion was sometimes provided by the credit union for executives or directors on business trips. All expenses incurred on behalf of the spouse or companion were totalled for the year end and a 1099 Misc was issued when appropriate. There is written policy that requires pre-approval, receipts, and documentations. |
| Part III, Additional Information | John Iglesias, the CEO, will be the recipient of a non-qualified retirement plan that is accruing and $200,000 has been paid out in 2017 and continuing through the end of 2029. It is based on employment with the organization and is 26% vested at the end of 2017. The vested value of this plan for 2017 is $108,333. |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (19 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| Form 990, Part VI, Line 2: Description of Business or Family Relationship of Officers, Directors, Et | Two of the directors, Joyce Fish and Judy Shurts, are sisters. |
| Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder | As a credit union we have members who maintain a $5 share account with us. |
| Form 990, Part VI, Line 11b: Form 990 Review Process | The CFO reviews the 990 and the supporting schedules. After the review and before it is filed, the Form 990 is reviewed by the CEO and the directors. |
| Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts | All officers and key employees are required yearly to affirm that they have disclosed interests that could give rise to conflicts. Directors are asked initially to disclose any of these interests and are made aware regularly that they must disclose any new interests, but they are not required to do so formally each year. |
| Form 990, Part VI, Line 19: Other Organization Documents Publicly Available | The organization places monthly summarized and yearly detailed financial statements on its website. The governing body documents and conflict of interest policies are available upon request. |
| Other Changes In Net Assets Or Fund Balances - Other Increases | Decrease of Accounts payable = $488782 |
| Other Changes In Net Assets Or Fund Balances - Other Decreases | Decrease of intangible assets = -$128832 |
| Other Changes In Net Assets Or Fund Balances - Other Decreases | Decrease of investments program related = -$9589837 |
| Other Changes In Net Assets Or Fund Balances - Other Decreases | Decrease of Land and Building = -$934117 |
| Other Changes In Net Assets Or Fund Balances - Other Decreases | Decrease of Loans from disqualified person = -$2663527 |
| Other Changes In Net Assets Or Fund Balances - Other Increases | Decrease of Unrealized gain/loss = $47840 |
| Other Changes In Net Assets Or Fund Balances - Other Increases | Increase of Cash = $4197247 |
| Other Changes In Net Assets Or Fund Balances - Other Increases | Increase of loans and receivables, net = $55947073 |
| Other Changes In Net Assets Or Fund Balances - Other Increases | Increase of other assets = $0 |
| Other Changes In Net Assets Or Fund Balances - Other Increases | Increase of savings and tem cash investment = $6991176 |
| Other Changes In Net Assets Or Fund Balances - Other Decreases | Net Income = -$6806034 |
| Other Changes In Net Assets Or Fund Balances - Other Decreases | Notes Payable = -$4000000 |
| Other Changes In Net Assets Or Fund Balances - Other Decreases | Other Assets = -$343796 |
| Other Changes In Net Assets Or Fund Balances - Other Decreases | Prepaids = -$160145 |