2017-11-15T12:55:56-06:00 2016-12-31 410746749 CLIFTONLARSONALLEN LLP 20 E THOMAS RD STE 2300 PHOENIX AZ 85012 990 2016-01-01 941244186 REDWOOD CREDIT UNION REDW 8004797928 3033 CLEVELAND AVE SUITE 100 SANTA ROSA CA 95403 ALISA HEATH CHIEF FINANCIAL & RISK OFFICER 8005454000 2017-11-14 1 ANNE B DAVISON P00944246 6022662248 67.137.57.251 2017-11-14 17:14:35 US P E9F310E552A983DEE0D16D26B85D24D51800DFDA 4A3BE0F8FC7006E23FDCF21200B9E516042F541F 2016 2017-02-10 21:41:12Z ALISA HEATH 3033 CLEVELAND AVE SUITE 100 SANTA ROSA CA 95403 149071786 0 X WWW.REDWOODCU.ORG X 1950 CA PASSIONATELY SERVING THE BEST INTERESTS OF OUR MEMBERS, EMPLOYEES, AND COMMUNITIES. SERVING ALL OF OUR MEMBERS FINANCIAL SERVICE NEEDS. 9 9 593 15 283496 -129754 0 0 127068012 147938259 266549 -19140 0 0 127334561 147919119 0 0 0 5459738 35603748 39075079 0 0 0 43475750 46164692 79079498 90699509 48255063 57219610 2822001517 3276496038 2492973591 2890284774 329027926 386211264 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 39712 0 1 593 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 1 1 X MICHAEL GAY CONTROLLER 8005454000 3033 CLEVELAND AVE SUITE 100 SANTA ROSA CA 95403 BOB STEELE BOARD MEMBER 1.00 X 0 0 0 JIM OLMSTED BOARD MEMBER 1.00 X 0 0 0 DEBBIE WATTS BOARD MEMBER 1.00 X 0 0 0 DAVE IMOTO BOARD MEMBER 1.00 X 0 0 0 LISA WITTKE SCHAFFNER 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 1671107 0 229609 CHRISTINA COOK CHIEF FINANCIAL & RISK OFFICER 40.00 X 305385 0 13770 ALISA HEATH CHIEF FINANCIAL & RISK OFFICER 40.00 X 15000 0 0 ROBIN MCKENZIE SVP MARKETING & COMMUNICATIONS 40.00 X 272216 0 67322 ANTHONY E HILDESHEIM SVP CIO 40.00 X 246581 0 74655 CYNTHIA NEGRI EVP COO 40.00 X 393108 0 133101 KRISTINA DERKOS SVP ADMINISTRATIVE SERVICE 40.00 X 271420 0 97772 ANDY RAMOS SVP MEMBER EXPERIENCE 40.00 X 238966 0 89498 MISHEL KAUFMAN SVP RISK MANAGEMENT 40.00 X 208588 0 55383 TODD N LINDEMANN SVP PAYMENTS 40.00 X 202418 0 45896 RONALD FELDER EVP CLO 40.00 X 336490 0 70258 THOMAS HUBERT SVP AUTO, INSURANCE & WEALTH SERVICES 40.00 X 249970 0 24695 DIANNA BERTHINIER SVP LENDING 40.00 X 194796 0 8155 MICHAEL DEFAZIO FINANCIAL ADVISOR 40.00 X 407562 0 9579 CHRISTINE FOSTER FINANCIAL ADVISOR 40.00 X 232255 0 12992 CLARK MATHIESSEN FINANCIAL ADVISOR 40.00 X 272368 0 17477 JASON EHN SBA COMMERCIAL LENDING MANAGER 40.00 X 232985 0 18289 SCOTT DYKSTRA SENIOR SBA COMMERCIAL LOAN OFFICER 40.00 X 258941 0 13776 BOBBI BEEHLER FORMER RCUSG EXECUTIVE DIRECTOR 40.00 X 133004 0 0 6143160 0 982227 75 1 1 0 WESTERN BUILDERS 1400 N DUTTON AVE SUITE 7 SANTA ROSA CA 95401 GENERAL CONTRACTORS 2886761 PSCU 560 CARILLON PKWY ST PETERSBURG FL 33716 CREDIT CARD PROCESSOR 2422704 INFOIMAGE INC 141 JEFFERSON DR MENLO PARK CA 94025 STATEMENTS PROVIDER 1528731 CLICKAPPRAISER 3189 DANVILLE BLVD 120 ALAMO CA 94507 REAL ESTATE APPRAISALS 834775 TROPE GROUP 2305 CIRCADIAN WAY SANTA ROSA CA 95407 WORK SPACE SOLUTIONS AND FURNITURE 737992 64 PROGRAM SERVICE REVENUE 522100 147654763 147654763 UNRELATED BUSINESS INCOME 900099 283496 283496 147938259 718611 414916 718611 434056 0 -19140 -19140 -19140 147919119 147654763 283496 -19140 5459738 7125387 31949692 7866614 4993393 1204508 LOAN SERVICING 11797856 OPERATIONS 7348225 OTHER EXPENSES 4579257 CREDIT FOR LOAN LOSSES 4288380 4086459 90699509 616310726 638258547 14815080 2064156431 2469732939 70277934 33237078 33186692 37040856 24687831 25930254 83659837 90718362 2822001517 3276496038 22297345 22837562 2470676246 2867447212 2492973591 2890284774 X 0 0 0 0 329027926 386211264 329027926 386211264 2822001517 3276496038 57219610 -36272 0 X X 0 1 X 1 0 24500 24500 24500 1 MIKE MCGUIRE FOR STATE SENATE 2018 396B THIRD ST SUITE 652 SAN RAFAEL CA 94901 463842849 2500 CA CREDIT UNION LEAGUE PAC 1201 K ST SUITE 1050 SACRAMENTO CA 95814 942329967 7000 CA CREDIT UNION LEAGUE INDEPENDENT EXP ACCT 1201 K ST SUITE 1050 SACRAMENTO CA 95814 942329967 10000 NORTH BAY LEADERSHIP COUNCIL C-PAC 775 BAYWOOD DRIVE SUITE 101 PETALUMA CA 94954 680234040 2500 NORTH BAY LEADERSHIP COUNCIL I-PAC 775 BAYWOOD DRIVE SUITE 101 PETALUMA CA 94954 680234040 2500 PART I-A, LINE 1: CONTRIBUTIONS TO POLITICAL ORGANIZATIONS 8885377 8885377 26786945 7358818 19428127 7179072 4084649 3094423 27271509 21793611 5477898 155031 155031 37040856 MEMBERS' SHARE AND SAVINGS ACCOUNTS 2867447212 2867447212 X PART X, LINE 2: THE CREDIT UNION AND ITS SUBSIDIARY EVALUATED THEIR TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2016 AND 2015. X 1 1 X X X X X X 1 1 0 BRETT MARTINEZ PRESIDENT/CEO 625628 0 235492 0 809987 0 208306 0 21303 0 1900716 0 0 789122 CHRISTINA COOK CHIEF FINANCIAL & RISK OFFICER 289293 0 15749 0 343 0 5859 0 7911 0 319155 0 0 0 ROBIN MCKENZIE SVP MARKETING & COMMUNICATIONS 228770 0 33583 0 9863 0 58994 0 8328 0 339538 0 0 0 ANTHONY E HILDESHEIM SVP CIO 212286 0 34295 0 0 0 69116 0 5539 0 321236 0 0 0 CYNTHIA NEGRI EVP COO 307206 0 65002 0 20900 0 120916 0 12185 0 526209 0 0 0 KRISTINA DERKOS SVP ADMINISTRATIVE SERVICE 223994 0 37470 0 9956 0 80602 0 17170 0 369192 0 0 0 ANDY RAMOS SVP MEMBER EXPERIENCE 192796 0 30322 0 15848 0 71501 0 17997 0 328464 0 0 0 MISHEL KAUFMAN SVP RISK MANAGEMENT 170943 0 37645 0 0 0 40722 0 14661 0 263971 0 0 0 TODD N LINDEMANN SVP PAYMENTS 174314 0 28104 0 0 0 31235 0 14661 0 248314 0 0 0 RONALD FELDER EVP CLO 261934 0 73968 0 588 0 52261 0 17997 0 406748 0 0 0 THOMAS HUBERT SVP AUTO, INSURANCE & WEALTH SERVICE 196480 0 53490 0 0 0 7525 0 17170 0 274665 0 0 0 DIANNA BERTHINIER SVP LENDING 175796 0 19000 0 0 0 3923 0 4232 0 202951 0 0 0 MICHAEL DEFAZIO FINANCIAL ADVISOR 41456 0 363814 0 2292 0 9579 0 0 0 417141 0 0 0 CHRISTINE FOSTER FINANCIAL ADVISOR 40601 0 191654 0 0 0 6993 0 5999 0 245247 0 0 0 CLARK MATHIESSEN FINANCIAL ADVISOR 33328 0 235817 0 3223 0 5479 0 11998 0 289845 0 0 0 JASON EHN SBA COMMERCIAL LENDING MANAGER 125008 0 106177 0 1800 0 18289 0 0 0 251274 0 0 0 SCOTT DYKSTRA SENIOR SBA COMMERCIAL LOAN OFFICER 99706 0 159235 0 0 0 7777 0 5999 0 272717 0 0 0 BOBBI BEEHLER FORMER RCUSG EXECUTIVE DIRECTOR 133004 0 0 0 0 0 0 0 0 0 133004 0 0 0 PART I, LINES 4A-B BRETT MARTINEZ - $175,234 CONTRIBUTION TO 457(F) KRISTINA DERKOS - $42,886 CONTRIBUTION TO 457(F) RONALD FELDER - $44,311 CONTRIBUTION TO 457(F) ANTHONY HILDESHEIM - $22,790 CONTRIBUTION TO 457(F) MISHEL KAUFMAN - $15,975 CONTRIBUTION TO 457(F) TODD NOLL LINDEMANN - $25,313 CONTRIBUTION TO 457(F) ROBIN MCKENZIE - $20,557 CONTRIBUTION TO 457(F) CYNTHIA NEGRI - $68,695 CONTRIBUTION TO 457(F) ANDY RAMOS - $36,126 CONTRIBUTION TO 457(F) BOBBI BEEHLER - SEVERENCE PAID - $133,004 CHRISTINA COOK - SEVERENCE PAID - $113,750 BRETT MARTINEZ - SERP DISTRIBUTION - $789,122 BRETT MARTINEZ PRESIDENT/ CEO TO FUND SPLIT DOLLAR PLAN INSURANCE POLICY X 15706866 15709751 0 1 1 15709751 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 MEMBERSHIP ELECTS THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 11B FORM WILL BE COMPLETED AND REVIEWED BY THE MANAGER/FINANCE, CONTROLLER, EVP/CHIEF FINANCIAL & RISK OFFICER 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. 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. FORM 990, PART XII, LINE 2C: THE SUPERVISORY COMMITTEE OVERSEES THE AUDITED FINANCIAL STATEMENTS. 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 95403 680465274 INSURANCE AND AUTO SERVICES CA REDWOOD CREDIT UNION C 207846 6744684 1.00000 1 1 1 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 RCU SERVICES GROUP INC A 26400 CASH RCU SERVICES GROUP INC L 83580 CASH RCU COMMUNITY FUND INC B 1107636 CASH