2016-07-27T13:03:25-05:00 2015-12-31 880118801 BARNARD VOGLER & CO CPA'S 100 W LIBERTY STREET SUITE 1100 RENO NV 895011959 990 2015-01-01 880057898 FINANCIAL HORIZONS CREDIT UNION FINA 7759452421 PO BOX 2288 HAWTHORNE NV 89415 BARBARA S REUTER PRESIDENT/CEO 7759452421 2016-07-19 1 TEELA MCCULLAR P01282477 7757866141 2015 2016-09-27 15:27:22Z BARBARA S REUTER 895 SIERRA WAY HAWTHORNE NV 89415 7578404 0 X WWW.FHCUNV.ORG X 1947 NV FINANCIAL COOPERATIVE PROVIDING FINANCIAL SERVICES (SOLUTIONS) TO THE MEMBER/OWNERS OF THE CREDIT UNION. 7 7 54 0 0 0 0 0 5441818 5602596 814769 763064 0 0 6256587 6365660 0 0 0 0 2234214 2276756 0 0 0 2770390 2974245 5004604 5251001 1251983 1114659 155831877 164600535 140347613 148116896 15484264 16483639 TO PROVIDE FINANCIAL SERVICES AND SOLUTIONS TO THE MEMBERS/OWNERS OF THE CREDIT UNION. 0 0 TO PROVIDE FINANCIAL SERVICES AND SOLUTIONS TO THE MEMBERS/OWNERS OF THE CREDIT UNION. 0 0 0 0 0 0 0 0 0 1 1 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 0 0 0 0 1 1379 0 1 54 1 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 1 1 0 0 1 1 1 1 0 X JEAN PETERSON 7759452421 895 SIERRA WAY HAWTHORNE NV 89415 JIM SCOTT CHAIRMAN 4.00 X X 0 0 0 DOUG HOMESTEAD TREASURER 2.00 X X 0 0 0 PENNY MADRASO SECRETARY 1.00 X X 0 0 0 GEORGE GAZAWAY VICE CHAIRMAN 2.00 X X 0 0 0 JOANN SCIARANI-BLAKE BOARD MEMBER 1.00 X 0 0 0 THOMAS ERICKSON BOARD MEMBER 1.00 X 0 0 0 RANDALL EMM BOARD MEMBER 1.00 X 0 0 0 BARBARA REUTER CEO 40.00 X 124543 0 18228 JEAN PETERSON CFO 40.00 X 83860 0 10864 208403 0 29092 1 0 0 0 FISERV 255 FISERV DRIVE BROOKFIELD WI 53045 PROVIDES MEMBER SERVICES TO THE CREDIT U 851059 1 LOAN INTEREST INCOME 522100 4120418 4120418 FEE INCOME 522100 1221166 1221166 INSURANCE COMMISSIONS 524298 138460 138460 OTHER OPERATING INCOME 522100 122552 122552 5602596 780915 780915 1022893 172000 1002114 210630 20779 -38630 -17851 -17851 6365660 6365660 0 0 237495 1576868 63694 257715 140984 2566 59000 15815 101135 198091 1010591 349797 1376 516888 262720 LOAN SERVICING 171130 EDUCATION AND PROMOTION 117751 PROVISION FOR LOAN LOSS 95277 MISC. 72108 5251001 21995859 21995762 83284218 90631624 7992551 2597322 5366132 5395229 42613976 43831963 2571692 2745957 155831877 164600535 520473 618366 139827140 147498530 140347613 148116896 X 0 0 0 0 15484264 16483639 15484264 16483639 155831877 164600535 1114659 -115284 0 X X 0 1 X 1 0 729819 729819 5933943 1594118 4339825 639499 410719 228780 689290 592485 96805 5395229 FEDERAL AGENCY MORTGAGE BACKED SECURITIES 30854536 F CERTIFICATES OF DEPOSIT 12632025 C OTHER 345402 C 43831963 MEMBERS' SHARE AND SAVINGS ACCOUNTS 147498530 147498530 6365660 0 6365660 0 6365660 5251001 0 5251001 0 5251001 CHRIS PETERSON CHRIS PETERSON IS A FAMILY MEMBER OF A KEY EMPLOYEE OF THE CREDIT UNION 70235 THE CREDIT UNION PURCHASES COMPUTER EQUIPMENT AND CONSULTING SERVICES FROM CHRIS PETERSON OF COMPUTING SOLUTIONS. 0 JEAN PETERSON CFO SERVES AS AN OFFICER OF AN ORGANIZATION DOING BUSINESS WITH THE C.U. 0 JEAN PETERSON, CFO, IS AN OFFICER OF AN ORGANIZATION THAT CONDUCTS BUSINESS WITH THE CREDIT UNION. 0 DOUGLAS HOMESTEAD DOUGLAS HOMESTEAD SERVES ON THE BOARD OF THE CREDIT UNION 201 THE CREDIT UNION UTILIZED HOMESTEAD CONSTRUCTION FOR VARIOUS CLEAN UP AND MAINTENANCE JOBS DURING THE YEAR. DOUGLAS HOMESTEAD IS THE PRESIDENT OF HOMESTEAD CONSTRUCTION. 0 FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION IS MEMBER OWNED. FORM 990, PART VI, SECTION A, LINE 7A ANNUALLY EVERY MEMBER HAS A RIGHT TO VOTE FOR MEMBERS RUNNING FOR OPEN BOARD OF DIRECTOR SEATS. FORM 990, PART VI, SECTION A, LINE 7B IF A MERGER OR CHANGE OF INSURER WERE TO BE CONSIDERED, A VOTE OF THE MEMBERS WOULD BE TAKEN. FORM 990, PART VI, SECTION B, LINE 11 THE FORM 990 WILL BE REVIEWED BY THE CEO AND THE CFO BEFORE IT IS FILED WITH THE IRS. THE BOARD WILL REVIEW THE FORM 990 AFTER IT IS FILED AS PART OF ITS BOARD ACTIVITIES. FORM 990, PART VI, SECTION B, LINE 15 A REVIEW OF THE CREDIT UNION'S GOALS IS PERFORMED BY THE BOARD OF DIRECTORS AND COMPENSATION IS BASED UPON THE FINDINGS PRESENTED IN THE REVIEW. FORM 990, PART VI, SECTION C, LINE 18 THE CREDIT UNION'S 990 IS AVAILABLE UPON REQUEST TO ANYONE WHO WISHES TO VIEW THE DOCUMENT. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION DOES NOT HAVE A WRITTEN CONFLICT OF INTEREST POLICY. ITS GOVERNING DOCUMENTS AND FINANICAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. PART XII LINE 2C THIS PROCESS HAS NOT CHANGED FROM PRIOR YEARS.