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ONEAZ CREDIT UNION: Form 990, tax year 2015

View the entire original 990 at ProPublica ↗

Organization
ONEAZ CREDIT UNION (EIN 86-0108770)
Tax period
2015-01-01 to 2015-12-31
Filed
2016-10-12
IRS object ID
201622869349300332
Schema version
2015v2.1
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

FieldValueIRS element (for citing)
Return2016-10-12T18:05:59-05:00ReturnTs
Tax Period End2015-12-31TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

FieldValueIRS element (for citing)
Preparer Firm EIN410746749PreparerFirmEIN

Preparer Firm Name PreparerFirmName

FieldValueIRS element (for citing)
Business Name Line1CLIFTONLARSONALLEN LLPBusinessNameLine1Txt

Preparer US Address PreparerUSAddress

FieldValueIRS element (for citing)
Address Line120 E THOMAS RD STE 2300AddressLine1Txt
CityPHOENIXCityNm
State AbbreviationAZStateAbbreviationCd
ZIP85012ZIPCd
FieldValueIRS element (for citing)
Return Type990ReturnTypeCd
Tax Period Begin2015-01-01TaxPeriodBeginDt

Filer Filer

FieldValueIRS element (for citing)
EIN860108770EIN

Business Name BusinessName

FieldValueIRS element (for citing)
Business Name Line1ONEAZ CREDIT UNIONBusinessNameLine1Txt
FieldValueIRS element (for citing)
Business Name ControlONEABusinessNameControlTxt
Phone6024674088PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line12355 W PINNACLE PEAK ROADAddressLine1Txt
CityPHOENIXCityNm
State AbbreviationAZStateAbbreviationCd
ZIP85027ZIPCd

Business Officer BusinessOfficerGrp

FieldValueIRS element (for citing)
PersonMIKE BODENPersonNm
Person TitleSENIOR VICE PRESIDENT, CONTROLLERPersonTitleTxt
Phone6024674088PhoneNum
Signature2016-09-26SignatureDt
Discuss With Paid PreparerYes (1)DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

FieldValueIRS element (for citing)
Preparer PersonJANIS ISAACSONPreparerPersonNm
PTINP00089104PTIN
Phone6022662248PhoneNum
FieldValueIRS element (for citing)
Tax2015TaxYr
Build TS2017-02-10 21:41:12ZBuildTS

Form 990 IRS990

FieldValueIRS element (for citing)
Principal OfficerMIKE BODENPrincipalOfficerNm

US Address USAddress

FieldValueIRS element (for citing)
Address Line12355 W PINNACLE PEAK ROADAddressLine1Txt
CityPHOENIXCityNm
State AbbreviationAZStateAbbreviationCd
ZIP85027ZIPCd
FieldValueIRS element (for citing)
Gross Receipts$93,935,282GrossReceiptsAmt
Group Return For Affiliates0GroupReturnForAffiliatesInd
Organization501cYes (X)Organization501cInd
Website AddressWWW.AZSTCU.ORGWebsiteAddressTxt
Type Of Organization CorpYes (X)TypeOfOrganizationCorpInd
Formation1951FormationYr
Legal Domicile StateAZLegalDomicileStateCd
Activity Or MissionTO PROVIDE OUR MEMBERS WITH RESPONSIVE SERVICE, CONVENIENT ACCESS, CONSUMER EDUCATION AND VALUE-ADDED FINANCIAL RELATED PRODUCTS AND SERVICES.ActivityOrMissionDesc
Voting Members Governing Body9VotingMembersGoverningBodyCnt
Voting Members Independent9VotingMembersIndependentCnt
Total Employee603TotalEmployeeCnt
Total Volunteers14TotalVolunteersCnt
Total Gross UBI$81,447TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm-$95,715NetUnrelatedBusTxblIncmAmt
PY Contributions Grants$0PYContributionsGrantsAmt
CY Contributions Grants$0CYContributionsGrantsAmt
PY Program Service Revenue$73,978,282PYProgramServiceRevenueAmt
CY Program Service Revenue$78,401,847CYProgramServiceRevenueAmt
PY Investment Income$7,387,110PYInvestmentIncomeAmt
CY Investment Income$7,849,677CYInvestmentIncomeAmt
PY Other Revenue$0PYOtherRevenueAmt
CY Other Revenue$0CYOtherRevenueAmt
PY Total Revenue$81,365,392PYTotalRevenueAmt
CY Total Revenue$86,251,524CYTotalRevenueAmt
PY Grants And Similar Paid$0PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid$0CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members$0PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members$0CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid$29,180,403PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid$34,202,752CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns$0PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns$0CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense$0CYTotalFundraisingExpenseAmt
PY Other Expenses$36,882,416PYOtherExpensesAmt
CY Other Expenses$33,589,704CYOtherExpensesAmt
PY Total Expenses$66,062,819PYTotalExpensesAmt
CY Total Expenses$67,792,456CYTotalExpensesAmt
PY Revenues Less Expenses$15,302,573PYRevenuesLessExpensesAmt
CY Revenues Less Expenses$18,459,068CYRevenuesLessExpensesAmt
Total Assets BOY$1,656,659,634TotalAssetsBOYAmt
Total Assets EOY$1,788,429,012TotalAssetsEOYAmt
Total Liabilities BOY$1,508,893,014TotalLiabilitiesBOYAmt
Total Liabilities EOY$1,621,632,883TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY$147,766,620NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY$166,796,129NetAssetsOrFundBalancesEOYAmt
MissionCREDIT UNION PROVIDING FINANCIAL SERVICES TO MEMBERS IN ARIZONA.MissionDesc
Significant New Program Srvc0SignificantNewProgramSrvcInd
Significant Change0SignificantChangeInd
DescTHE CREDIT UNION PROVIDES DRAFT AND SHARE ACCOUNTS, CONSUMER LOANS, SHARE CERTIFICATES AND OTHER EXEMPT FUNCTION ACTIVITIES TO ITS MEMBERS.Desc
Described In Section501c30DescribedInSection501c3Ind
Schedule B Required0ScheduleBRequiredInd
Political Campaign Acty0PoliticalCampaignActyInd
Subject To Proxy Tax0SubjectToProxyTaxInd
Donor Advised Fund0DonorAdvisedFundInd
Conservation Easements0ConservationEasementsInd
Collections Of Art0CollectionsOfArtInd
Credit Counseling0CreditCounselingInd
Temp Or Permanent Endowments0TempOrPermanentEndowmentsInd
Report Land Building EquipmentYes (1)ReportLandBuildingEquipmentInd
Report Investments Other SecYes (1)ReportInvestmentsOtherSecInd
Report Program Related Invst0ReportProgramRelatedInvstInd
Report Other Assets0ReportOtherAssetsInd
Report Other LiabilitiesYes (1)ReportOtherLiabilitiesInd
Include FIN48 FootnoteYes (1)IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt0IndependentAuditFinclStmtInd
Consolidated Audit Fincl StmtYes (1)ConsolidatedAuditFinclStmtInd
School Operating0SchoolOperatingInd
Foreign Office0ForeignOfficeInd
Foreign Activities0ForeignActivitiesInd
More Than5000 K To Org0MoreThan5000KToOrgInd
More Than5000 K To Individuals0MoreThan5000KToIndividualsInd
Professional Fundraising0ProfessionalFundraisingInd
Fundraising Activities0FundraisingActivitiesInd
Gaming Activities0GamingActivitiesInd
Operate Hospital0OperateHospitalInd
Grants To Organizations0GrantsToOrganizationsInd
Grants To Individuals0GrantsToIndividualsInd
Schedule J RequiredYes (1)ScheduleJRequiredInd
Tax Exempt Bonds0TaxExemptBondsInd
Loan Outstanding0LoanOutstandingInd
Grant To Related Person0GrantToRelatedPersonInd
Business Rln With Org Mem0BusinessRlnWithOrgMemInd
Business Rln With Fam Mem0BusinessRlnWithFamMemInd
Business Rln With Officer Ent0BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri0DeductibleNonCashContriInd
Deductible Art Contribution0DeductibleArtContributionInd
Terminate Operations0TerminateOperationsInd
Partial Liquidation0PartialLiquidationInd
Disregarded EntityYes (1)DisregardedEntityInd
Related Entity0RelatedEntityInd
Related Organization Ctrl Ent0RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp0ActivitiesConductedPrtshpInd
Schedule O RequiredYes (1)ScheduleORequiredInd
IRP Document69280IRPDocumentCnt
IRP Document W2 G0IRPDocumentW2GCnt
Backup Wthld ComplianceYes (1)BackupWthldComplianceInd
Employee603EmployeeCnt
Employment Tax Returns FiledYes (1)EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over LimitYes (1)UnrelatedBusIncmOverLimitInd
Form990 T FiledYes (1)Form990TFiledInd
Foreign Financial Account0ForeignFinancialAccountInd
Prohibited Tax Shelter Trans0ProhibitedTaxShelterTransInd
Taxable Party Notification0TaxablePartyNotificationInd
Nondeductible Contributions0NondeductibleContributionsInd
Indoor Tanning Services0IndoorTanningServicesInd
Info In Schedule O Part VIYes (X)InfoInScheduleOPartVIInd
Governing Body Voting Members9GoverningBodyVotingMembersCnt
Independent Voting Member9IndependentVotingMemberCnt
Family Or Business Rln0FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties0DelegationOfMgmtDutiesInd
Change To Org Documents0ChangeToOrgDocumentsInd
Material Diversion Or Misuse0MaterialDiversionOrMisuseInd
Members Or StockholdersYes (1)MembersOrStockholdersInd
Election Of Board MembersYes (1)ElectionOfBoardMembersInd
Decisions Subject To ApprovaYes (1)DecisionsSubjectToApprovaInd
Minutes Of Governing BodyYes (1)MinutesOfGoverningBodyInd
Minutes Of CommitteesYes (1)MinutesOfCommitteesInd
Officer Mailing AddressYes (1)OfficerMailingAddressInd
Local ChaptersYes (1)LocalChaptersInd
Policies Reference ChaptersYes (1)PoliciesReferenceChaptersInd
Form990 Provided To Gvrn BodyYes (1)Form990ProvidedToGvrnBodyInd
Conflict Of Interest PolicyYes (1)ConflictOfInterestPolicyInd
Annual Disclosure Covered PrsnYes (1)AnnualDisclosureCoveredPrsnInd
Regular Monitoring EnfrcYes (1)RegularMonitoringEnfrcInd
Whistleblower PolicyYes (1)WhistleblowerPolicyInd
Document Retention PolicyYes (1)DocumentRetentionPolicyInd
Compensation Process CEOYes (1)CompensationProcessCEOInd
Compensation Process OtherYes (1)CompensationProcessOtherInd
Investment In Joint Venture0InvestmentInJointVentureInd
States Where Copy Of Return Is FldAZStatesWhereCopyOfReturnIsFldCd
Upon RequestYes (X)UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

FieldValueIRS element (for citing)
PersonMIKE BODENPersonNm
Phone6024674094PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line12355 W PINNACLE PEAK ROADAddressLine1Txt
CityPHOENIXCityNm
State AbbreviationAZStateAbbreviationCd
ZIP85027ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (27 entries)

TitleTitleTxtAverage Hours Per WeekAverageHoursPerWeekRtIndividual Trustee Or DirectorIndividualTrusteeOrDirectorIndReportable Comp From OrgReportableCompFromOrgAmtReportable Comp From Rltd OrgReportableCompFromRltdOrgAmtOther CompensationOtherCompensationAmtOfficerOfficerIndHighest Compensated EmployeeHighestCompensatedEmployeeInd
BILL VANDENBOSCH
ADVISORY DIRECTOR1.00Yes (X)$0$0$0
CONNIE OHANESIAN
DIRECTOR1.00Yes (X)$0$0$0
FRANK FELIX
DIRECTOR1.00Yes (X)$0$0$0
JON BORGE
TREASURER1.00Yes (X)$0$0$0
JOSEPH SMITH
DIRECTOR1.00Yes (X)$0$0$0
MARQUETTA WHITE
DIRECTOR1.00Yes (X)$0$0$0
MARTHA ROZEN
SECRETARY1.00Yes (X)$0$0$0
QUENTIN BOGART
DIRECTOR EMERITUS1.00Yes (X)$0$0$0
RAY O'CONNOR
DIRECTOR1.00Yes (X)$0$0$0
SAM WHEELER
CHAIRMAN1.00Yes (X)$0$0$0
SHANE SIREN
VICE CHAIRMAN1.00Yes (X)$0$0$0
SASSAN AZHADI
SVP CHIEF INFORMATION OFFICER40.00$221,768$0$48,332Yes (X)
DAVE DOSS
CEO PRESIDENT40.00$818,155$0$269,738Yes (X)
DAVID DOWNING
EVP MEMBER SOLUTIONS40.00$273,802$0$83,856Yes (X)
MICHAEL EMANUELLI
EVP CHIEF ADMINISTRATION O40.00$267,900$0$88,764Yes (X)
ROBERT GIBBONI JR
SVP RISK MANAGEMENT40.00$170,212$0$42,560Yes (X)
BRIAN JOHNSON
SVP BUSINESS INTELLIGENCE/CRM40.00$187,178$0$45,583Yes (X)
BRYAN NIELSEN
SVP SUPPORT SERVICES40.00$223,631$0$50,604Yes (X)
DEBORAH PEARSON
SVP STRATEGY & BRAND40.00$213,835$0$60,323Yes (X)
KIM REEDY
EVP CHIEF FINANCIAL OFFICER40.00$385,288$0$118,204Yes (X)
DAVID G SWEIDERK
EVP CHIEF OPERATING OFFICER40.00$461,975$0$136,640Yes (X)
JOSEPH VANDEN BOSCH
SVP MEMBER ENGAGEMENT40.00$222,762$0$26,539Yes (X)
MICHAEL BODEN
VP CONTROLLER40.00$163,718$0$25,965Yes (X)
RANDON CUPP
NORTHERN REGIONAL PRESIDENT40.00$200,797$0$26,952Yes (X)
DEBRA MESHEY
VP ASSOCIATE ENGAGEMENT40.00$176,824$0$12,057Yes (X)
TAMI PILGRIM
MORTGAGE ORIGINATION SUPERVISOR40.00$159,748$0$21,231Yes (X)
MICHAEL SAMMONS
FINANCIAL ADVISOR40.00$176,325$0$17,055Yes (X)
FieldValueIRS element (for citing)
Total Reportable Comp From Org$4,323,918TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org$0TotReportableCompRltdOrgAmt
Total Other Compensation$1,074,403TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K52IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed0FormerOfcrEmployeesListedInd
Total Comp Greater Than150 KYes (1)TotalCompGreaterThan150KInd
Compensation From Other Srcs0CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1TxtCityContractorAddress/USAddress/CityNmState AbbreviationContractorAddress/USAddress/StateAbbreviationCdZIPContractorAddress/USAddress/ZIPCdServicesServicesDescCompensationCompensationAmt
PSCU
560 CARILLON PKWYST PETERSBURGFL33716CREDIT & DEBIT CARD PROCESSING$2,576,689
DIGITAL INSIGHT CORPORATION
PO BOX 740641LOS ANGELESCA90074MOBILE BANKING SUPPORT$1,513,178
ROUTE 66 WARRANTY
PO BOX 1075MOUNTAIN HOMEAR72654VEHICLE SERVICE AGREEMENTS$957,400
VISA USA INC
PO BOX 8999SAN FRANCISCOCA94128CREDIT & DEBIT CARD PROCESSING$777,524
APPRAISAL TEK
7205 E SOUTHERN AVEMESAAZ85209PROPERTY APPRAISALS$681,034
FieldValueIRS element (for citing)
Cntrct Rcvd Greater Than100 K44CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (2 entries)

DescDescBusinessBusinessCdTotal Revenue ColumnTotalRevenueColumnAmtRelated Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmtUnrelated Business RevenueUnrelatedBusinessRevenueAmt
PROGRAM SERVICE REVENUE522100$78,320,400$78,320,400
UNRELATED BUSINESS INCOME900099$81,447$81,447
FieldValueIRS element (for citing)
Total Program Service Revenue$78,401,847TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

FieldValueIRS element (for citing)
Total Revenue Column$7,587,441TotalRevenueColumnAmt
Related Or Exempt Func Income$7,587,441RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

FieldValueIRS element (for citing)
Securities$6,260,236SecuritiesAmt
Other$1,685,758OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

FieldValueIRS element (for citing)
Securities$5,641,397SecuritiesAmt
Other$2,042,361OtherAmt

Gain Or Loss GainOrLossGrp

FieldValueIRS element (for citing)
Securities$618,839SecuritiesAmt
Other-$356,603OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

FieldValueIRS element (for citing)
Total Revenue Column$262,236TotalRevenueColumnAmt
Related Or Exempt Func Income$262,121RelatedOrExemptFuncIncomeAmt
Exclusion$115ExclusionAmt

Total Revenue TotalRevenueGrp

FieldValueIRS element (for citing)
Total Revenue Column$86,251,524TotalRevenueColumnAmt
Related Or Exempt Func Income$86,169,962RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue$81,447UnrelatedBusinessRevenueAmt
Exclusion$115ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

FieldValueIRS element (for citing)
Total$5,398,321TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

FieldValueIRS element (for citing)
Total$21,252,900TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

FieldValueIRS element (for citing)
Total$2,457,622TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

FieldValueIRS element (for citing)
Total$3,260,191TotalAmt

Payroll Taxes PayrollTaxesGrp

FieldValueIRS element (for citing)
Total$1,833,718TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

FieldValueIRS element (for citing)
Total$387,234TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

FieldValueIRS element (for citing)
Total$113,500TotalAmt

Fees For Services Lobbying FeesForServicesLobbyingGrp

FieldValueIRS element (for citing)
Total$300TotalAmt

Fees For Services Other FeesForServicesOtherGrp

FieldValueIRS element (for citing)
Total$766,969TotalAmt

Advertising AdvertisingGrp

FieldValueIRS element (for citing)
Total$1,962,218TotalAmt

Office Expenses OfficeExpensesGrp

FieldValueIRS element (for citing)
Total$1,279,167TotalAmt

Occupancy OccupancyGrp

FieldValueIRS element (for citing)
Total$3,334,620TotalAmt

Travel TravelGrp

FieldValueIRS element (for citing)
Total$941,154TotalAmt

Conferences Meetings ConferencesMeetingsGrp

FieldValueIRS element (for citing)
Total$1,063,403TotalAmt

Interest InterestGrp

FieldValueIRS element (for citing)
Total$4,676,160TotalAmt

Depreciation Depletion DepreciationDepletionGrp

FieldValueIRS element (for citing)
Total$3,638,579TotalAmt

Insurance InsuranceGrp

FieldValueIRS element (for citing)
Total$34,162TotalAmt

Other Expenses OtherExpensesGrp (2 entries)

DescDescTotalTotalAmt
OTHER OPERATING EXPENSE$15,028,101
PROVISION FOR LOAN LOSS$364,137

Total Functional Expenses TotalFunctionalExpensesGrp

FieldValueIRS element (for citing)
Total$67,792,456TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

FieldValueIRS element (for citing)
BOY$162,169,129BOYAmt
EOY$131,342,302EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

FieldValueIRS element (for citing)
BOY$1,007,911,147BOYAmt
EOY$1,077,983,227EOYAmt
FieldValueIRS element (for citing)
Land Bldg Equip Cost Or Other Bss$76,955,701LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec$27,180,153LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

FieldValueIRS element (for citing)
BOY$42,164,185BOYAmt
EOY$49,775,548EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

FieldValueIRS element (for citing)
BOY$398,840,609BOYAmt
EOY$482,174,898EOYAmt

Other Assets Total OtherAssetsTotalGrp

FieldValueIRS element (for citing)
BOY$45,574,564BOYAmt
EOY$47,153,037EOYAmt

Total Assets TotalAssetsGrp

FieldValueIRS element (for citing)
BOY$1,656,659,634BOYAmt
EOY$1,788,429,012EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

FieldValueIRS element (for citing)
BOY$11,673,958BOYAmt
EOY$13,817,338EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

FieldValueIRS element (for citing)
BOY$110,000,000BOYAmt
EOY$115,000,000EOYAmt

Other Liabilities OtherLiabilitiesGrp

FieldValueIRS element (for citing)
BOY$1,387,219,056BOYAmt
EOY$1,492,815,545EOYAmt

Total Liabilities TotalLiabilitiesGrp

FieldValueIRS element (for citing)
BOY$1,508,893,014BOYAmt
EOY$1,621,632,883EOYAmt
FieldValueIRS element (for citing)
Org Does Not Follow SFAS117Yes (X)OrgDoesNotFollowSFAS117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

FieldValueIRS element (for citing)
BOY$0BOYAmt
EOY$0EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

FieldValueIRS element (for citing)
BOY$0BOYAmt
EOY$0EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

FieldValueIRS element (for citing)
BOY$147,766,620BOYAmt
EOY$166,796,129EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$147,766,620BOYAmt
EOY$166,796,129EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$1,656,659,634BOYAmt
EOY$1,788,429,012EOYAmt
FieldValueIRS element (for citing)
Info In Schedule O Part XIYes (X)InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss$18,459,068ReconcilationRevenueExpnssAmt
Other Changes In Net Assets$570,441OtherChangesInNetAssetsAmt
Info In Schedule O Part XIIYes (X)InfoInScheduleOPartXIIInd
Method Of Accounting AccrualYes (X)MethodOfAccountingAccrualInd
Accountant Compile Or Review0AccountantCompileOrReviewInd
FS AuditedYes (1)FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

FieldValueIRS element (for citing)
Consolidated Basis Fincl StmtYes (X)ConsolidatedBasisFinclStmtInd
FieldValueIRS element (for citing)
Audit CommitteeYes (1)AuditCommitteeInd
Federal Grant Audit Required0FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$19,182,307OtherCostOrOtherBasisAmt
Book Value$19,182,307BookValueAmt

Buildings BuildingsGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$35,491,419OtherCostOrOtherBasisAmt
Depreciation$10,431,700DepreciationAmt
Book Value$25,059,719BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$3,242,372OtherCostOrOtherBasisAmt
Depreciation$2,107,837DepreciationAmt
Book Value$1,134,535BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$19,039,603OtherCostOrOtherBasisAmt
Depreciation$14,640,616DepreciationAmt
Book Value$4,398,987BookValueAmt
FieldValueIRS element (for citing)
Total Book Value Land Buildings$49,775,548TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (3 entries)

DescDescBook ValueBookValueAmtMethod ValuationMethodValuationCd
INVESTMENT SECURITIES - AVAILABLE F$453,796,270F
INVESTMENT SECURITIES - OTHER INVES$20,880,428F
FEDERAL HOME LOAN BANK STOCK$7,498,200F
FieldValueIRS element (for citing)
Total Book Value Securities$482,174,898TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDescAmtAmt
MEMBERS' SHARE AND SAVINGS ACCOUNTS$1,490,417,763
PENSION PLAN VALUATION$2,397,782
FieldValueIRS element (for citing)
Total Liability$1,492,815,545TotalLiabilityAmt
Footnote TextYes (X)FootnoteTextInd

Supplemental Information Detail SupplementalInformationDetail

FieldValueIRS element (for citing)
Form And Line ReferencePART X, LINE 2:FormAndLineReferenceDesc
ExplanationTHE CREDIT UNION IS EXEMPT, UNDER INTERNAL REVENUE CODE 501(C)(14) FROM FEDERAL AND STATE INCOME TAXES. CERTAIN PRODUCTS AND SERVICES PROVIDED BY SELECT STATE CHARTERED CREDIT UNIONS HAVE BEEN DEEMED BY THE INTERNAL REVENUE SERVICE (IRS), IN TECHNICAL ADVICE MEMORANDUMS (TAMS) RELEASED IN 2007, TO BE UNRELATED TO THE SPECIFIC ENTITY'S EXEMPT PURPOSE. AS PRESENTED IN THE TECHNICAL ADVICE MEMORANDUMS THE NET TAXABLE INCOME FROM THESE PRODUCTS AND SERVICES WOULD BE SUBJECT TO INCOME TAXES. CREDIT UNIONS HAVE LITIGATED AGAINST THE IRS POSITIONS NOTED IN THE TAMS AND HAVE BEEN SUCCESSFUL IN HAVING COURTS DECLARE IN 2009 AND 2010 THAT REVENUE FROM INSURANCE PRODUCTS SOLD TO MEMBERS, HELPING THEM PROTECT THEIR FINANCIAL WELLBEING, QUALIFIES AS EXEMPT PURPOSE INCOME, CONTRARY TO THE IRS POSITION IN THE TAMS. THE CREDIT UNION HAS FILED TAX RETURNS IN THE PAST FOR ACTIVITIES THEY HAVE DEEMED TAXABLE RESULTING IN NO TAXES PAID FOR THE YEARS ENDED DECEMBER 31, 2015 AND 2014. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2015 AND 2014. THE CREDIT UNION'S 2011 THROUGH 2014 TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES.ExplanationTxt

Schedule J IRS990ScheduleJ

FieldValueIRS element (for citing)
Travel For CompanionsYes (X)TravelForCompanionsInd
Written Policy Ref T And E ExpnssYes (1)WrittenPolicyRefTAndEExpnssInd
Substantiation RequiredYes (1)SubstantiationRequiredInd
Compensation CommitteeYes (X)CompensationCommitteeInd
Independent ConsultantYes (X)IndependentConsultantInd
Written Employment ContractYes (X)WrittenEmploymentContractInd
Compensation SurveyYes (X)CompensationSurveyInd
Board Or Committee ApprovalYes (X)BoardOrCommitteeApprovalInd
Severance PaymentYes (1)SeverancePaymentInd
Supplemental Nonqual Rtr PlanYes (1)SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm0EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (16 entries)

TitleTitleTxtBase Compensation Filing OrgBaseCompensationFilingOrgAmtCompensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmtBonus Filing OrganizationBonusFilingOrganizationAmountBonus Related OrganizationsBonusRelatedOrganizationsAmtOther Compensation Filing OrgOtherCompensationFilingOrgAmtOther Compensation Rltd OrgsOtherCompensationRltdOrgsAmtDeferred Compensation Flng OrgDeferredCompensationFlngOrgAmtDeferred Comp Rltd OrgsDeferredCompRltdOrgsAmtNontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmtNontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmtTotal Compensation Filing OrgTotalCompensationFilingOrgAmtTotal Compensation Rltd OrgsTotalCompensationRltdOrgsAmtComp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmtComp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
SASSAN AZHADI
SVP CHIEF INFORMATION OFFICER$204,656$0$17,112$0$0$0$35,891$0$12,441$0$270,100$0$0$0
DAVE DOSS
CEO PRESIDENT$558,429$0$259,726$0$0$0$249,970$0$19,768$0$1,087,893$0$0$0
DAVID DOWNING
EVP MEMBER SOLUTIONS$240,580$0$33,222$0$0$0$72,589$0$11,267$0$357,658$0$0$0
MICHAEL EMANUELLI
EVP CHIEF ADMINISTRATION O$227,496$0$40,404$0$0$0$73,091$0$15,673$0$356,664$0$0$0
ROBERT GIBBONI JR
SVP RISK MANAGEMENT$149,998$0$20,214$0$0$0$25,033$0$17,527$0$212,772$0$0$0
BRIAN JOHNSON
SVP BUSINESS INTELLIGENCE/CRM$167,990$0$16,765$0$2,423$0$28,572$0$17,011$0$232,761$0$0$0
BRYAN NIELSEN
SVP SUPPORT SERVICES$194,474$0$29,157$0$0$0$37,379$0$13,225$0$274,235$0$0$0
DEBORAH PEARSON
SVP STRATEGY & BRAND$193,835$0$0$0$20,000$0$49,732$0$10,591$0$274,158$0$0$0
KIM REEDY
EVP CHIEF FINANCIAL OFFICER$306,180$0$74,781$0$4,327$0$99,515$0$18,689$0$503,492$0$0$0
DAVID G SWEIDERK
EVP CHIEF OPERATING OFFICER$323,891$0$138,084$0$0$0$120,210$0$16,430$0$598,615$0$0$0
JOSEPH VANDEN BOSCH
SVP MEMBER ENGAGEMENT$60,878$0$25,000$0$136,884$0$11,256$0$15,283$0$249,301$0$5,100$0
MICHAEL BODEN
VP CONTROLLER$153,718$0$10,000$0$0$0$8,500$0$17,465$0$189,683$0$0$0
RANDON CUPP
NORTHERN REGIONAL PRESIDENT$148,691$0$50,000$0$2,106$0$10,109$0$16,843$0$227,749$0$0$0
DEBRA MESHEY
VP ASSOCIATE ENGAGEMENT$155,315$0$21,509$0$0$0$5,738$0$6,319$0$188,881$0$0$0
TAMI PILGRIM
MORTGAGE ORIGINATION SUPERVISOR$68,478$0$91,270$0$0$0$8,298$0$12,933$0$180,979$0$0$0
MICHAEL SAMMONS
FINANCIAL ADVISOR-$510$0$176,835$0$0$0$7,597$0$9,458$0$193,380$0$0$0

Supplemental Information Detail SupplementalInformationDetail

FieldValueIRS element (for citing)
Form And Line ReferencePART I, LINES 4A-BFormAndLineReferenceDesc
ExplanationJOSEPH VANDEN BOSCH SEVERANCE PAYMENT - $112,788 DAVE DOSS DEFERRED CONTRIBUTION 457B - $18,000 BRIAN JOHNSON DEFERRED CONTRIBUTION 457B - $7,045 ROBERT GIBBONI JR. DEFERRED CONTRIBUTION 457B - $10,841 MICHAEL BODEN DEFERRED CONTRIBUTION 457B - $3,385 JOSEPH VANDEN BOSCH 457(F) DISTRIBUTION - $18,360ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (10 entries)

Form And Line ReferenceFormAndLineReferenceDescExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6THE ORGANIZATION HAS MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7ATHE PROCESS OF ELECTING THE BOARD OF DIRECTORS: NOTICE OF ANNUAL ELECTION IS COMMUNICATED TO MEMBERSHIP REQUESTING INTERESTED INDIVIDUALS SUBMIT AN APPLICATION FOR ANY OPEN DIRECTOR POSITIONS. THE BOARD APPOINTS A NOMINATING COMMITTEE WHO SCREENS AND INTERVIEWS CANDIDATES TO PLACE ON THE BALLOT. THE BALLOT IS VOTED ON BY THE MEMBERSHIP.
FORM 990, PART VI, SECTION A, LINE 7BCERTAIN ORGANIZATIONAL ITEMS, SUCH AS CHARTER, CHANGE OR MERGER, ARE SUBJECT TO BOARD APPROVAL. ALSO, MEMBERSHIP CAN REQUEST A MEMBER EXPULSION BY A MAJORITY VOTE AT AN ANNUAL OR SPECIAL MEETING. A VOTE WAS TAKEN IN DECEMBER 2015 BY THE MEMBERSHIP TO CHANGE THE NAME FROM ARIZONA STATE CREDIT UNION TO ONEAZ CREDIT UNION.
FORM 990, PART VI, SECTION B, LINE 11THE ORGANIZING QUESTIONNAIRE IS COMPLETED BY THE ACCOUNTING MANAGER AND VP/CONTROLLER, WHICH IS THEN FORWARDED TO CLIFTONLARSONALLEN FOR PREPARATION OF THE FORM 990; ONCE DRAFTED, THE FORM 990 IS REVIEWED BY THE VP/CONTROLLER AND CHIEF FINANCIAL OFFICER.
FORM 990, PART VI, SECTION B, LINE 12CCREDIT UNION PROCEDURES REQUIRE ANNUAL, WRITTEN ACKNOWLEDGEMENT BY EACH ASSOCIATE AND VOLUNTEER DOCUMENTING THEIR UNDERSTANDING AND COMPLIANCE WITH THE CODE OF CONDUCT AND BUSINESS ETHICS POLICY. EACH ASSOCIATE MUST ALSO COMPLETE ONLINE TRAINING AND PASS AN ONLINE TEST EACH YEAR TO DEMONSTRATE THEIR UNDERSTANDING OF THESE POLICIES.
FORM 990, PART VI, SECTION B, LINE 15WE UTILIZE CARDWELL CONSULTING (CREDIT UNION COMPENSATION EXPERTS) TO DETERMINE SALARY RANGES AND MARKET PRICING FOR THE PHOENIX AREA FOR ALL EMPLOYEES, INCLUDING THE CEO AND EXECUTIVE OFFICERS. SALARY RANGES ARE REVIEWED EVERY YEAR TO ENSURE MARKET EQUITY IS IN LINE WITH OUR "TOTAL COMPENSATION" PHILOSOPHY. WE ALSO COMPLETE COMPENSATION SURVEYS WITH OTHER COMPENSATION ANALYSTS TO ENSURE A BROADER SAMPLING.
FORM 990, PART VI, SECTION C, LINE 19REGULATORY FINANCIAL REPORTS PROVIDED BY NCUA.GOV. WE ALSO POST A COPY OF OUR MONTHLY STATEMENT OF FINANCIAL CONDITION IN ALL OF OUR BRANCHES.
FORM 990, PART XI, LINE 9:CHANGE IN UNREALIZED LOSS ON SECURITIES AVAILABLE-FOR-SALE -2,736,931. CHANGE IN UNREALIZED GAIN ON DEFINED BENEFIT PENSION PLAN ASSETS 1,561,250. AMORTIZATION OF UNREALIZED LOSS ON DEFINED BENEFIT PENSION PLAN ASSETS 1,746,123. ROUNDING -1.
FORM 990, PART XII, LINE 2C:THE SUPERVISORY COMMITTEE ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDITED FINANCIAL STATEMENTS. THERE HAS BEEN NO CHANGE IN EITHER THE OVERSIGHT PROCESS OR THE SELECTION PROCESS DURING THE TAX YEAR.
FORM 990, PART VI, SECTION A, LINE 9:JOE VANDENBOSCH LEFT THE ORGANIZATION IN 2015, CURRENT ADDRESS IS NOT AVAILABLE.

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp

Disregarded Entity Name DisregardedEntityName

FieldValueIRS element (for citing)
Business Name Line1ARIZONA FINANCIAL NETWORK LLCBusinessNameLine1Txt

US Address USAddress

FieldValueIRS element (for citing)
Address Line12355 W PINNACLE PEAK ROADAddressLine1Txt
CityPHOENIXCityNm
State AbbreviationAZStateAbbreviationCd
ZIP85027ZIPCd
FieldValueIRS element (for citing)
EIN481267437EIN
Primary ActivitiesINSURANCE BROKERAGEPrimaryActivitiesTxt
Legal Domicile StateAZLegalDomicileStateCd
Total Income$0TotalIncomeAmt
End Of Year Assets$2,500EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

FieldValueIRS element (for citing)
Business Name Line1ARIZONA STATE CREDIT UNIONBusinessNameLine1Txt