2017-11-13T15:53:04-06:00 2016-12-31 954083485 TURNER WARREN HWANG & CONRAD ACCTCY 100 NORTH FIRST ST STE 202 BURBANK CA 91502 990 2016-01-01 941242831 TRAVIS CREDIT UNION TRAV 7074691671 PO BOX 2069 VACAVILLE CA 95696 BARRY NELSON CEO 7074691671 2017-10-30 1 VALENTINO CREUS CPA P01054153 8189549700 108.95.190.209 2017-10-30 08:58:21 PD P F53CDBC3F18316389D6CFA617EE7B9AF17900040 AAA51A721A1433521015D48D976EB051C184777B 2016 2017-02-10 21:41:12Z BARRY NELSON PO BOX 2069 VACAVILLE CA 95696 129114617 0 X WWW.TRAVISCU.ORG X CREDIT UNION 1951 CA A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. 9 9 729 12 411835 -274823 0 0 101377387 113771922 14827924 14151949 428701 1189059 116634012 129112930 51700 39800 0 0 45597728 46559641 0 0 0 50569526 61702215 96218954 108301656 20415058 20811274 2518249187 2692135769 2223126815 2377185941 295122372 314949828 X A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT ANDSAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, TRAVIS CREDIT UNION CONDUCTSITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITSMEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. 0 0 TRAVIS CREDIT UNION PROVIDES A VARIETY OF LOANS INCLUDING AUTO, MORTGAGES, CREDIT CARD, SMALL BUSINESS AND UNSECURED AT COMPETITIVE RATES FOR OUR MEMBERSHIP, THEREBY, ASSISTING THEM MANAGE THEIR FINANCIAL HEALTH AND GROWTH IN THE FUTURE. TRAVIS CREDIT UNION PROVIDES A VARIETY OF SAVINGS ACCOUNTS INCLUDING SAVINGS, DEMAND, MONEY MARKET, CERTIFICATES AND INVESTMENTS AT COMPETITIVE RATES FOR OUR MEMBERSHIP, THEREBY, ASSISTING THEM MANAGE THEIR FINANCIAL HEALTH AND GROWTH IN THE FUTURE. TRAVIS CREDIT UNION PROVIDES FINANCIAL SERVICES TO OUR MEMBERSHIP WHICH ARE SMALL BUSINESS OWNERS DEVELOPING THEIR OWN BUSINESSES IN THE COMMUNITY. THESE MEMBERS PROVIDE VALUED SERVICES AND EMPLOYMENT TO OUR COMMUNITY MEMBERS THEREBY PROVIDING FUTURE GROWTH AND A STRONGER QUALITY OF LIFE. 0 0 1 0 0 0 0 0 0 1 0 1 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 96340 0 1 729 1 1 1 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 CA X X MARTIN FLEISCHER CPACONTROLLER 7074691671 PO BOX 2069 VACAVILLE CA 95696 PATRICIA MORENO BOARD CHAIRPERSON 1.00 X 3281 0 0 DEBORAH ASPLING BOARD VICE CHAIRPERSON 1.00 X 3757 0 0 MARY COBURN SECRETARY 1.00 X 2520 0 0 THOMAS KULINKSI TREASURER 1.00 X 1204 0 0 CURT NEWLAND BOARD MEMBER 1.00 X 3156 0 0 LEONARD AUGUSTINE BOARD MEMBER 1.00 X 720 0 0 TIMOTHY TRUESDALE BOARD MEMBER 1.00 X 3436 0 0 OSCAR DOMINGUEZ BOARD MEMBER 1.00 X 0 0 0 DEE ALARCON BOARD MEMBER 1.00 X 2901 0 0 STUART MCINTOSH BOARD MEMBER (EMERITUS) 1.00 X 994 0 0 JAMES PORTER BOARD MEMBER (EMERITUS) 0.00 X 0 0 0 JOHANNA BENKER SUPV CMTE CHAIRPERSON 1.00 X 1720 0 0 DOUGLAS BEAUMONT SUPV CMTE MEMBER 1.00 X 0 0 0 ARTURO REYES SUPV CMTE MEMBER 1.00 X 0 0 0 BARRY NELSON PRESIDENT/CEO 40.00 X 696561 0 1305100 IVAN JONES SVP/CFO 40.00 X 292395 0 217306 RICHARD ROARK FORMER SVP/CHIEF INFORMATION OFFI 40.00 X 744835 0 15464 NAVNEET KHANNA EXECUTIVE VICE PRESIDENT 40.00 X 541880 0 458493 STACY FIFIELD SVP/CHIEF LENDING OFFICER 40.00 X 262282 0 412964 ARTHUR M SCHWARTZ SVP/CHIEF HUMAN RESOURCES 40.00 X 253733 0 465716 MISUN THOMPSON SVP, MEMBER SERVICES & COO 40.00 X 224466 0 332431 ARIC N KOSHIYAMA SR FINANCIAL CONSULTANT 40.00 X 255305 0 20603 GLORIA NUNEZ VP OPERATIONS 40.00 X 210351 0 43073 CRAIG BEAUDRY VP SYSTEMS & TECHNOLOGY 40.00 X 196246 0 31828 REBECCA L SLAUGHTER FORMER VP ENTERPRISE PROJECT MANA 40.00 X 195576 0 12857 JOHN N CALADIM VP FINANCE 40.00 X 190365 0 34401 TERESA SHAFER VP HUMAN RESOURCES & TRAIN 40.00 X 190339 0 33894 CRAIG CRISMON AVP E-COMMERCE 40.00 X 155459 0 43692 KARL GOIN VP MARKETING & PRODUCT DEV 40.00 X 154126 0 19514 SHERRY CORDONNIER AVP CORPORATE RELATIONS 40.00 X 152989 0 27851 JULIE A RUMPH VP LOAN SERVICING 40.00 X 149525 0 12962 THOMAS CORIO AVP INTERNAL AUDIT 40.00 X 146318 0 33595 LORI HILL AVP HUMAN RESOURCES 40.00 X 142941 0 17507 MICHAEL SABADO AVP APPLICATION SYSTEMS 40.00 X 140983 0 8900 DELANNIA CALDWELL AVP ORGANIZATION LEARNING 40.00 X 140982 0 20620 5461346 0 3568771 42 0 1 0 SMART SOURCE LLC 26001 PALA MISSION VIEJO CA 92691 MEMBER STATEMENT PREP 1506914 FISERV INC 525 ALMANOR AVE SUNNYVALE CA 94085 ONLINE BANKING SERVICES 1331594 DIEBOLD 1455 MARKET ST SAN FRANCISCO CA 94103 SECURITY SERVICES 1069640 CDW DIRECT 6281 BEACH BLVD 307 BUENA PARK CA 90621 COMPUTER SERVICES 718710 TIME PRINTING SOLUTIONS PROVIDER 1614 D STREET SACRAMENTO CA 95814 PRINTING 569865 40 INTEREST ON LOANS 522100 82106719 82106719 OTHER OPERATING INCOME 522100 24258169 24196510 61659 FEE INCOME 522100 7407034 7043320 363714 113771922 14153636 14153636 1687 -1687 -1687 -1687 OTHER NON-OPERATING IN 522100 1189059 1202597 -13538 1189059 129112930 128701095 411835 0 39800 5461346 31154157 1520992 5594483 2828663 57123 151032 902380 2391389 12398378 3000358 3652286 903242 6985995 3351725 387371 PROV. FOR LOAN LOSSES 18738585 LOAN SERVICING EXPENSE 7093826 MISC OPERATING EXPENSES 1462922 OPERATING FEES 225603 108301656 22526388 23996332 158800930 124370573 4069620 5258532 2742159 2072346 70373623 34806817 37557595 35566806 636945281 538971235 1621353309 1925836367 465781 0 33788124 36063578 2518249187 2692135769 22967279 25031399 2200159536 2352154542 2223126815 2377185941 X 0 0 0 0 295122372 314949828 295122372 314949828 2518249187 2692135769 20811274 -983818 0 X X 0 1 X 1 0 4000 4000 4000 1 CCUL-PAC 1201 K STREET SUITE 1050 SACRAMENTO CA 95814 940357265 4000 PART I-A, LINE 1: CONTRIBUTION TO CALIFORNIA CREDIT UNION LEAGUE TO PROMOTE TRADE INFORMATION PERTAINING TO CREDIT UNIONS. 6352246 6352246 35775114 13448576 22326538 6460071 5668731 791340 21786192 15689510 6096682 35566806 ALL OTHER INVESTMENTS 11062000 F LOANS HELD FOR SALE 6001159 F LOANS & LEASES 1888442270 F NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT 20330938 C 1925836367 ACCRUED DIVIDENDS & INTEREST PAYABLE 69972 MEMBER SHARES & DEPOSITS 2352084570 2352154542 X 129112930 0 129112930 0 129112930 108301656 0 108301656 0 108301656 PART X, LINE 2: THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES POTENTIALLY DEEMED TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2016 AND 2015. 1 60TH FORCE SUPPORT SQUADRON 540 AIRLIFT CIRCLE BLDG 381 F100 TRAVIS AFB CA 94535 941464848 501(C)(3) 10000 FMV DEVELOP TOTAL FORCE AND FAMILIES WITH CONTINUOUS SERVICES AND COMMUNITY SUPPORT, ENCHANCING QUALITY OF LIFE TRAVIS FISHER HOUSE 101 BODIN CIRCLE TRAVIS AIR FORCE BASE CA 94535 680038761 501(C)(3) 10000 FMV PROVIDE HOUSING FOR FAMILIES OF LONG TERM PATIENTS NATIONAL CREDIT UNION FOUNDATION 5710 MINERAL POINT ROAD MADISON WI 53705 391383650 501(C)(3) 5000 FMV MAKE FINANCIAL FREEDOM ACHIEVABLE THROUGH CREDIT UNIONS 3 0 X 1 1 X X X X 1 1 0 BARRY NELSON PRESIDENT/CEO 566248 0 117131 0 13182 0 1279544 0 25556 0 2001661 0 0 0 IVAN JONES SVP/CFO 250005 0 33170 0 9220 0 213141 0 4165 0 509701 0 0 0 RICHARD ROARK FORMER SVP/CHIEF INFORMATION OFFI 125307 0 32843 0 586685 0 1275 0 14189 0 760299 0 333511 0 NAVNEET KHANNA EXECUTIVE VICE PRESIDENT 282726 0 51779 0 207375 0 421336 0 37157 0 1000373 0 200000 0 STACY FIFIELD SVP/CHIEF LENDING OFFICER 215401 0 32144 0 14737 0 401171 0 11793 0 675246 0 0 0 ARTHUR M SCHWARTZ SVP/CHIEF HUMAN RESOURCES 213141 0 32528 0 8064 0 438374 0 27342 0 719449 0 0 0 MISUN THOMPSON SVP, MEMBER SERVICES & COO 186581 0 30265 0 7620 0 308316 0 24115 0 556897 0 0 0 ARIC N KOSHIYAMA SR FINANCIAL CONSULTANT 35098 0 219727 0 480 0 11552 0 9051 0 275908 0 0 0 GLORIA NUNEZ VP OPERATIONS 173880 0 24984 0 11487 0 18949 0 24124 0 253424 0 0 0 CRAIG BEAUDRY VP SYSTEMS & TECHNOLOGY 158771 0 22333 0 15142 0 7743 0 24085 0 228074 0 0 0 REBECCA L SLAUGHTER FORMER VP ENTERPRISE PROJECT MANA 124529 0 23602 0 47445 0 6231 0 6626 0 208433 0 0 0 JOHN N CALADIM VP FINANCE 163956 0 19739 0 6670 0 9000 0 25401 0 224766 0 0 0 TERESA SHAFER VP HUMAN RESOURCES & TRAIN 161163 0 21335 0 7841 0 17505 0 16389 0 224233 0 0 0 CRAIG CRISMON AVP E-COMMERCE 139055 0 13537 0 2867 0 11294 0 32398 0 199151 0 0 0 KARL GOIN VP MARKETING & PRODUCT DEV 133263 0 14079 0 6784 0 7424 0 12090 0 173640 0 0 0 SHERRY CORDONNIER AVP CORPORATE RELATIONS 137437 0 12912 0 2640 0 14842 0 13009 0 180840 0 0 0 JULIE A RUMPH VP LOAN SERVICING 132449 0 12675 0 4401 0 2760 0 10202 0 162487 0 0 0 THOMAS CORIO AVP INTERNAL AUDIT 128637 0 12320 0 5361 0 15999 0 17596 0 179913 0 0 0 LORI HILL AVP HUMAN RESOURCES 130280 0 11903 0 758 0 15676 0 1831 0 160448 0 0 0 DELANNIA CALDWELL AVP ORGANIZATION LEARNING 130164 0 8328 0 2490 0 11720 0 8900 0 161602 0 0 0 PART I, LINES 4A-B 457(B): NON-QUALIFIED DEFERRED COMPENSATION PLAN. ELIGIBILITY IS LIMITED TO EMPLOYEES IN A POSITION OF ASSISTANT VICE PRESIDENT OR ABOVE, OR THOSE EMPLOYEES INDIVIDUALLY SELECTED BY THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS. THOSE ELIGIBLE ARE ABLE TO PARTICIPATE EFFECTIVE THEIR DATE OF HIRE INTO A POSITION OF VICE PRESIDENT OR ABOVE, OR THE EFFECTIVE DATE OF THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS' APPOINTED ELIGIBILITY TO THE PLAN. THE PLAN MATCHES THE PARTICIPANT'S CONTRIBUTIONS DOLLAR FOR DOLLAR UP TO A CALENDAR YEAR MAXIMUM. THE CALENDAR YEAR MAXIMUM, THAT A PARTICIPANT CAN CONTRIBUTE, IS 50% OF THE ALLOWABLE AMOUNT UNDER CODE SECTION 457(E) (15), SO FOR 2016 THE MAXIMUM PARTICIPANT CONTRIBUTION IS $9,000. THE PLAN DOES NOT HAVE A VESTING SCHEDULE, SO CONTRIBUTIONS ARE 100% VESTED. PARTICIPANTS MAY NOT RECEIVE A DISTRIBUTION PRIOR TO SEVERANCE OF EMPLOYMENT WITH TCU. 457(F): NON-QUALIFIED SERP DESIGNED TO PROVIDE A SPECIFIC DOLLAR AMOUNT BY THE TIME A PARTICIPANT IS TENURED. THE TOTAL BENEFIT AMOUNT IS ACCRUED OVER THE LENGTH OF EMPLOYMENT OF THE PARTICIPANT. THE AMOUNT IS "CLIFF VESTED" OVER 3 PERIODS, WITH THE FINAL AND LARGEST VESTING AT RETIREMENT. FUNDS ARE DISTRIBUTED ON EACH VESTING DATE IN THE AMOUNT SPECIFIED IN THE VESTING SCHEDULE. FORFEITURE EVENTS ARE: INVOLUNTARY SEPARATION WITH CAUSE AND; VOLUNTARY SEPARATION WITHOUT GOOD REASON. PAYMENT OF BENEFITS DEPENDS ON THE EVENT THAT TRIGGERS A PAYMENT. THESE EVENTS AND PAYMENTS ARE: FULL PAYMENT OF AMOUNT ACCRUED AS OF EACH CLIFF VESTING DATE; AMOUNT ACCRUED-TO-DATE WILL BE PAID UPON: DEATH PRIOR TO RETIREMENT; VOLUNTARY SEPARATION FOR GOOD REASON; INVOLUNTARY SEPARATION WITHOUT CAUSE; SEPARATION DUE TO DISABILITY. PARTICIPANTS IN THE PLAN ARE: BARRY NELSON, IVAN JONES, NAVNEET KHANNA, RICHARD ROARK, STACY FIFIELD, MISUN THOMPSON AND ARTHUR SCHWARTZ. RICHARD ROARK RECEIVED SEVERANCE PAYMENT IN THE AMOUNT OF $167,580. REBECCA SLAUGHTER RECEIVED SEVERANCE PAYMENT IN THE AMOUNT OF $39,461. X 0 1 1 X 0 1 1 X 0 1 1 BARRY NELSON OFFICER FIRST MORTGAGE X 920000 794855 0 1 1 NAVNEET KHANNA OFFICER FIRST MORTGAGE X 244000 240289 0 1 1 ARTHUR SCHWARZ KEY EMPLOYEE FIRST MORTGAGE X 417000 383528 0 1 1 GLORIA NUNEZ KEY EMPLOYEE FIRST MORTGAGE X 280000 268109 0 1 1 GLORIA NUNEZ KEY EMPLOYEE CREDIT CARD X 14400 900 0 1 1 CRAIG BEAUDRY KEY EMPLOYEE CREDIT CARD X 25000 4734 0 1 1 X 0 0 0 DEE ALARCON DIRECTOR CREDIT CARD X 20000 1504 0 1 1 JOHANNA BENKER DIRECTOR FIRST MORTGAGE X 255700 170273 0 1 1 GLORIA NUNEZ KEY EMPLOYEE SHARE SECURED X 20000 10256 0 1 1 STACY FIFIELD OFFICER CREDIT CARD X 25000 24308 0 1 1 MISUN THOMPSON OFFICER FIRST MORTGAGE X 295100 295100 0 1 1 MISUN THOMPSON OFFICER AUTOMOBILE X 27161 10172 0 1 1 CRAIG BEAUDRY KEY EMPLOYEE AUTOMOBILE X 58837 33070 0 1 1 THOMAS KULINSKI DIRECTOR FIRST MORTGAGE X 93400 84510 0 1 1 THOMAS KULINSKI DIRECTOR CREDIT CARD X 12000 4158 0 1 1 MARY COBURN DIRECTOR CREDIT CARD X 10000 1848 0 1 1 DEE ALARCON DIRECTOR FIRST MORTGAGE X 154700 113823 0 1 1 ARTURO REYES DIRECTOR CREDIT CARD X 12000 10517 0 1 1 STACY FIFIELD OFFICER AUTOMOBILE X 35000 19749 0 0 0 IVAN JONES OFFICER AUTOMOBILE X 27990 4342 0 1 1 TERESA SHAFER KEY EMPLOYEE CREDIT CARD X 25000 934 0 1 1 PAT MORENO DIRECTOR CREDIT CARD X 10000 519 0 1 1 STACY FIFIELD OFFICER AUTOMOBILE X 44105 32825 0 1 1 IVAN JONES OFFICER FIRST MORTGAGE X 560000 535778 0 1 1 DOUGLAS BEAUMONT DIRECTOR FIRST MORTGAGE X 150000 136642 0 1 1 MISUN THOMPSON OFFICER AUTO LOAN X 40000 33866 0 1 1 TERESA SHAFER KEY EMPLOYEE AUTO LOAN X 22990 14327 0 1 1 GLORIA NUNEZ KEY EMPLOYEE HELOC X 50000 22537 0 1 1 PAT MORENO DIRECTOR AUTO LOAN X 47692 46240 0 1 1 CURTIS NEWLAND DIRECTOR FIRST MORTGAGE X 262000 253443 0 1 1 CURTIS NEWLAND DIRECTOR CREDIT CARD X 25000 4584 0 1 1 IVAN JONES OFFICER AUTOMOBILE X 23204 22116 0 1 1 TERESA SHAFER KEY EMPLOYEE FIRST MORTGAGE X 390000 387739 0 1 1 TERESA SHAFER KEY EMPLOYEE AUTOMOBILE X 36183 36183 0 1 1 KARL GOIN KEY EMPLOYEE FIRST MORTGAGE X 325000 300345 0 1 1 JOHN CALADIM KEY EMPLOYEE FIRST MORTGAGE X 553800 552808 0 1 1 REBECCA SLAUGHTER KEY EMPLOYEE FIRST MORTGAGE X 420000 401601 0 1 1 5258532 FORM 990, PART VI, SECTION A, LINE 6 TRAVIS CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS, AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. TRAVIS CREDIT UNION DOES NOT HAVE STOCKHOLDERS. FORM 990, PART VI, SECTION A, LINE 7A THE GOVERNING BOARD OF TRAVIS CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY OUR BY-LAWS. FORM 990, PART VI, SECTION A, LINE 7B AT THE END OF EACH TERM OF THE BOARD MEMBERS, ELECTIONS ARE HELD AND BOARD MEMBERS ARE VOTED BY THE MEMBERS OF THE CREDIT UNION PURSUANT TO ITS BY-LAWS. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION. FORM 990, PART VI, SECTION B, LINE 11B EACH BOARD MEMBER SHALL RECEIVE A COMPLETED DRAFT OF THE FORM 990 FOR REVIEW PRIOR TO FILING EACH YEAR. FORM 990, PART VI, SECTION B, LINE 12C ON A MONTHLY BASIS, MEMBERS OF THE BOARD ARE REQUIRED TO DISCLOSE ANY CONFLICTS OF INTEREST OR CONCERNS AND RECUSE THEMSELVES WHEN NECESSARY. FORM 990, PART VI, SECTION B, LINE 15 TRAVIS CREDIT UNION PARTICIPATES IN FOUR TO FIVE NATIONAL AND INDUSTRY SPECIFIC SURVEYS TO BENCHMARK BASE SALARY, BONUS AND RETIREMENT BENEFITS FOR ALL KEY EMPLOYEES, SALARIED EMPLOYEES, TO INCLUDE THE CEO, EVP, AND ALL VPS. THESE SURVEYS ARE CONDUCTED AT LEAST ANNUALLY. THE GOVERNING BOARD APPROVES THE CEO'S COMPENSATION PACKAGE AFTER IT HAS BEEN THOROUGHLY REVIEWED AND RECOMMENDED BY THE COMPENSATION COMMITTEE. FORM 990, PART VI, SECTION C, LINE 19 THE CONFLICT OF INTEREST POLICY IS INCLUDED IN OUR CORPORATE BYLAWS, OUR GOVERNING DOCUMENTS, WHICH ARE AVAILABLE UPON REQUEST. OUR MONTHLY FINANCIAL STATEMENTS ARE DISPLAYED AT ALL OF OUR BRANCH LOCATIONS AS WELL AS CORPORATE HEADQUARTERS. OUR YEAR END AUDITED FINANCIAL STATEMENTS ARE PRESENTED IN OUR ANNUAL MEETING AND WE FILE OUR CALL REPORTS ON A QUARTERLY BASIS WITH THE NCUA AND DBO. FORM 990, PART XII, LINE 2C: THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR.