2016-11-14T12:37:16-06:00 2015-12-31 954083485 TURNER WARREN HWANG & CONRAD ACCTCY 100 NORTH FIRST ST STE 202 BURBANK CA 91502 990 2015-01-01 941242831 TRAVIS CREDIT UNION TRAV 7074691671 PO BOX 2069 VACAVILLE CA 95696 BARRY NELSON CEO 7074691671 2016-10-31 1 VALENTINO CREUS CPA P01054153 8189549700 2015 2017-02-10 21:41:12Z BARRY NELSON PO BOX 2069 VACAVILLE CA 95696 116766925 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 9 683 12 358139 -364214 0 0 89183807 101377387 13566779 14827924 1718293 428701 104468879 116634012 54100 51700 0 0 38628952 45597728 0 0 0 38265513 50569526 76948565 96218954 27520314 20415058 2302178774 2518249187 2026232110 2223126815 275946664 295122372 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 86403 0 1 683 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 2529 0 0 DEBORAH ASPLING BOARD VICE CHAIRPERSON 1.00 X 2401 0 0 MARY COBURN SECRETARY 1.00 X 978 0 0 THOMAS KULINKSI TREASURER 1.00 X 975 0 0 CURT NEWLAND BOARD MEMBER 1.00 X 1575 0 0 LEONARD AUGUSTINE BOARD MEMBER 1.00 X 980 0 0 TIMOTHY TRUESDALE BOARD MEMBER 1.00 X 2725 0 0 ANN ROLLIN BOARD MEMBER 1.00 X 0 0 0 DEE ALARCON BOARD MEMBER 1.00 X 4321 0 0 STUART MCINTOSH BOARD MEMBER (EMERITUS) 0.00 X 0 0 0 JAMES PORTER BOARD MEMBER (EMERITUS) 0.00 X 0 0 0 JOHANNA BENKER SUPV CMTE CHAIRPERSON 1.00 X 0 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 585574 0 491415 IVAN JONES SVP/CFO 40.00 X 249944 0 111166 NAVNEET KHANNA EXECUTIVE VICE PRESIDENT 40.00 X 313625 0 258568 STACY FIFIELD SVP/CHEIF LENDING OFFICER 40.00 X 255390 0 159145 RICHARD ROARK SVP/CHIEF INFORMATION OFFICER 40.00 X 245056 0 136049 ARTHUR M SCHWARTZ SVP/CHIEF HUMAN RESOURCES OFFICER 40.00 X 233941 0 164674 MISUN THOMPSON SVP, MEMBER SERVICES & COO 40.00 X 219113 0 140118 ARIC N KOSHIYAMA SR FINANCIAL CONSULTANT 40.00 X 266866 0 20684 GLORIA NUNEZ VP OPERATIONS 40.00 X 207123 0 49396 REBECCA L SLAUGHTER VP ENTERPRISE PROJECT MANAGEMENT 40.00 X 181739 0 18308 CRAIG BEAUDRY VP ENTERPRISE APPLICATIONS 40.00 X 178696 0 32196 TERESA SHAFER VP HUMAN RESOURCES & TRAINING 40.00 X 175062 0 32884 JOHN N CALADIM VP FINANCE 40.00 X 162440 0 25206 CATHY A GRIMES VP MARKETING & PRODUCT DEVELOPMENT 40.00 X 157053 0 27801 SHERRY CORDONNIER AVP CORPORATE RELATIONS 40.00 X 154869 0 17532 CRAIG CRISMON AVP E-COMMERCE 40.00 X 153441 0 40953 JULIE A RUMPH AVP LOAN SERVICING 40.00 X 144164 0 9864 THOMAS CORIO AVP INTERNAL AUDIT 40.00 X 142241 0 34149 MARK VINELLA AVP COMPLIANCE & RISK MANAGEMENT 40.00 X 136997 0 42789 LORI HILL AVP HUMAN RESOURCES 40.00 X 134368 0 8175 CYNTHIA MCGUIRE AVP CONSUMER LENDING 40.00 X 131357 0 24180 4445543 0 1845252 48 0 1 0 FISERV INC 525 ALMANOR AVE SUNNYVALE CA 94085 ONLINE BANKING SERVICES 3983497 CDW DIRECT 6281 BEACH BLVD 307 BUENA PARK CA 90621 COMPUTER SERVICES 1011939 DIEBOLD 1455 MARKET ST SAN FRANCISCO CA 94103 SECURITY SERVICES 848662 STANDARD REGISTER 3885 SEAPORT BLVD 40 WEST SACRAMENTO CA 95691 MEMBER STATEMENT PREP 726638 CREDIT BUREAU ASSOCIATES 460 UNION AVE FAIRFIELD CA 94533 COLLECTIONS 686560 45 INTEREST ON LOANS 522100 72948556 72948556 OTHER OPERATING INCOME 522100 20362242 20342843 19399 FEE INCOME 522100 8066589 7717804 348785 101377387 14878050 14878050 82787 132913 -50126 -50126 -50126 OTHER NON-OPERATING IN 522100 425815 435860 -10045 OTHER INCOME 522100 2886 2886 428701 116634012 116275873 358139 0 51700 4445543 31303683 1447449 5660036 2741017 153438 130337 1476308 2314410 11754331 3802796 3588084 795134 5193009 2860991 396131 PROV. FOR LOAN LOSSES 10275859 LOAN SERVICING EXPENSE 6669367 MISC OPERATING EXPENSES 952840 OPERATING FEES 206491 96218954 17914558 22526388 52604476 158800930 4136014 4069620 2815802 2742159 69369130 31811535 36895378 37557595 769171843 636945281 1346744823 1621353309 689356 465781 71206524 33788124 2302178774 2518249187 16976269 22967279 2009255841 2200159536 2026232110 2223126815 X 0 0 0 0 275946664 295122372 275946664 295122372 2302178774 2518249187 20415058 -1239350 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 35771462 12773142 22998320 6439582 5401328 1038254 20805840 13637065 7168775 37557595 ALL OTHER INVESTMENTS 11062000 F LOANS HELD FOR SALE 390000 F LOANS & LEASES 1590694039 F NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT 19207270 C 1621353309 ACCRUED DIVIDENDS & INTEREST PAYABLE 30404 MEMBER SHARES & DEPOSITS 2200129132 2200159536 X 116634012 0 116634012 0 116634012 96218954 0 96218954 0 96218954 PART X, LINE 2: FASB ASC 740-10-65, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE "MORE LIKELY THAN NOT" OF BEING SUSTAINED "WHEN CHALLENGED OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS DEEMED TO NOT MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEAR ENDED DECEMBER 31, 2015, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. 1 CHILDREN'S MIRACLE NETWORK 2855 E GUASTI RD STE 600 ONTARIO CA 91761 870387205 501(C)(3) 10000 FMV PROVIDE MEDICAL CARE TO CHILDREN 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 TOURO UNIVERSITY CALIFORNIA 1310 CLUB DRIVE VALLEJO CA 94592 133838740 501(C)(3) 15000 FMV TO PROMOTE HIGHER EDUCATION 3 0 X 1 1 X X X X 0 1 0 BARRY NELSON PRESIDENT/CEO 479643 0 86049 0 19882 0 464611 0 26804 0 1076989 0 0 0 IVAN JONES SVP/CFO 201310 0 28679 0 19955 0 107388 0 3778 0 361110 0 0 0 NAVNEET KHANNA EXECUTIVE VICE PRESIDENT 256017 0 50176 0 7432 0 223494 0 35074 0 572193 0 0 0 STACY FIFIELD SVP/CHEIF LENDING OFFICER 196033 0 34222 0 25135 0 147451 0 11694 0 414535 0 0 0 RICHARD ROARK SVP/CHIEF INFORMATION OFFICER 194887 0 35702 0 14467 0 111421 0 24628 0 381105 0 0 0 ARTHUR M SCHWARTZ SVP/CHIEF HUMAN RESOURCES OFFICER 190558 0 35319 0 8064 0 129152 0 35522 0 398615 0 0 0 MISUN THOMPSON SVP, MEMBER SERVICES & COO 178969 0 32527 0 7617 0 115001 0 25117 0 359231 0 0 0 ARIC N KOSHIYAMA SR FINANCIAL CONSULTANT 35072 0 231314 0 480 0 11250 0 9434 0 287550 0 0 0 GLORIA NUNEZ VP OPERATIONS 167121 0 27039 0 12963 0 18827 0 30569 0 256519 0 0 0 REBECCA L SLAUGHTER VP ENTERPRISE PROJECT MANAGEMENT 162976 0 10915 0 7848 0 9000 0 9308 0 200047 0 0 0 CRAIG BEAUDRY VP ENTERPRISE APPLICATIONS 148611 0 23682 0 6403 0 7151 0 25045 0 210892 0 0 0 TERESA SHAFER VP HUMAN RESOURCES & TRAINING 144083 0 23312 0 7667 0 16650 0 16234 0 207946 0 0 0 JOHN N CALADIM VP FINANCE 155801 0 0 0 6639 0 0 0 25206 0 187646 0 0 0 CATHY A GRIMES VP MARKETING & PRODUCT DEVELOPMENT 127732 0 26290 0 3031 0 15739 0 12062 0 184854 0 0 0 SHERRY CORDONNIER AVP CORPORATE RELATIONS 133470 0 13966 0 7433 0 5870 0 11662 0 172401 0 0 0 CRAIG CRISMON AVP E-COMMERCE 131928 0 15254 0 6259 0 7347 0 33606 0 194394 0 0 0 JULIE A RUMPH AVP LOAN SERVICING 130458 0 7488 0 6218 0 0 0 9864 0 154028 0 0 0 THOMAS CORIO AVP INTERNAL AUDIT 123574 0 13268 0 5399 0 15831 0 18318 0 176390 0 0 0 MARK VINELLA AVP COMPLIANCE & RISK MANAGEMENT 122129 0 14107 0 761 0 7172 0 35617 0 179786 0 0 0 CYNTHIA MCGUIRE AVP CONSUMER LENDING 110400 0 13426 0 7531 0 6816 0 17364 0 155537 0 0 0 PART I, LINE 4B 457(B): NON-QUALIFIED DEFERRED COMPENSATION PLAN. ELIGIBILITY IS LIMITED TO EMPLOYEES IN A POSITION OF 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 2015 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. X 0 1 1 X 0 1 1 X 0 1 1 BARRY NELSON OFFICER FIRST MORTGAGE X 920000 859683 0 1 1 RICHARD ROARK OFFICER CREDIT CARD X 6000 6000 0 1 1 NAVNEET KHANNA OFFICER FIRST MORTGAGE X 579000 265413 0 1 1 ARTHUR SCHWARZ KEY EMPLOYEE FIRST MORTGAGE X 417000 392122 0 1 1 GLORIA NUNEZ KEY EMPLOYEE FIRST MORTGAGE X 280000 276996 0 1 1 GLORIA NUNEZ KEY EMPLOYEE CREDIT CARD X 14400 650 0 1 1 CRAIG BEAUDRY KEY EMPLOYEE CREDIT CARD X 8700 6037 0 1 1 X 0 0 0 ANN ROLLIN DIRECTOR CREDIT CARD X 14000 2976 0 1 1 DEE ALARCON DIRECTOR CREDIT CARD X 20000 14540 0 1 1 ANN ROLLIN DIRECTOR FIRST MORTGAGE X 138000 102330 0 1 1 JOHANNA BENKER DIRECTOR FIRST MORTGAGE X 255700 188197 0 1 1 GLORIA NUNEZ KEY EMPLOYEE SHARE SECURED X 20000 16935 0 1 1 AUTOMOBILE X 0 0 0 STACY FIFIELD OFFICER CREDIT CARD X 25000 22404 0 1 1 MISUN THOMPSON OFFICER FIRST MORTGAGE X 405000 274792 0 1 1 MISUN THOMPSON OFFICER AUTOMOBILE X 27161 14746 0 1 1 MISUN THOMPSON OFFICER CREDIT CARD X 15000 2312 0 1 1 CRAIG BEAUDRY KEY EMPLOYEE AUTOMOBILE X 58837 41339 0 1 1 THOMAS KULINSKI DIRECTOR FIRST MORTGAGE X 93400 87116 0 1 1 THOMAS KULINSKI DIRECTOR CREDIT CARD X 12000 3171 0 1 1 MARY COBURN DIRECTOR CREDIT CARD X 10000 1035 0 1 1 DEE ALARCON DIRECTOR FIRST MORTGAGE X 154700 126771 0 1 1 ARTURO REYES DIRECTOR CREDIT CARD X 12000 10801 0 1 1 STACY FIFIELD OFFICER AUTOMOBILE X 35000 24702 0 0 0 IVAN JONES OFFICER AUTOMOBILE X 27990 10112 0 1 1 TERESA SHAFER KEY EMPLOYEE CREDIT CARD X 5000 895 0 1 1 TERESA SHAFER KEY EMPLOYEE CREDIT CARD X 20000 2822 0 1 1 PAT MORENO DIRECTOR CREDIT CARD X 10000 19 0 1 1 BARRY NELSON OFFICER AUTO LOAN X 23587 5101 0 1 1 RICHARD ROARK OFFICER AUTO LOAN X 41829 34312 0 1 1 STACY FIFIELD OFFICER AUTOMOBILE X 44105 38899 0 1 1 MISUN THOMPSON OFFICER HOME EQUITY X 50000 48662 0 1 1 CATHY GRIMES KEY EMPLOYEE CREDIT CARD X 50000 0 1 1 IVAN JONES OFFICER FIRST MORTGAGE X 560000 548063 0 1 1 DEE ALARCON DIRECTOR CREDIT CARD X 7500 7312 0 1 1 DEBORAH ASPLING DIRECTOR CREDIT CARD X 7500 1800 0 1 1 DOUGLAS BEAUMONT DIRECTOR FIRST MORTGAGE X 150000 145018 0 1 1 MISUN THOMPSON OFFICER AUTO LOAN X 40000 39574 0 1 1 TERESA SHAFER KEY EMPLOYEE AUTO LOAN X 22990 19244 0 1 1 REBECCA SLAUGHTER KEY EMPLOYEE FIRST MORTGAGE X 420000 411869 0 1 1 GLORIA NUNEZ KEY EMPLOYEE HELOC X 50000 14850 0 1 1 4069620 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 11 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.