CENTRAL WILLAMETTE CREDIT UNION: Form 990, tax year 2024

View the entire original 990 at ProPublica ↗

Organization: CENTRAL WILLAMETTE CREDIT UNION (EIN 93-0496543)
Tax period: 2024-01-01 to 2024-12-31
Filed: 2025-11-14
IRS object ID: 202513189349302441
Schema version: 2024v5.2
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
Form 990
Schedule C
Schedule D
Schedule I
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2025-11-14T08:52:49-06:00	ReturnTs
Tax Period End	2024-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	921372905	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	OPSAHL DAWSON	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	10940 NE 33RD PLACE SUITE 100	AddressLine1Txt
City	BELLEVUE	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	98004	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2024-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	930496543	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CENTRAL WILLAMETTE CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	CENT	BusinessNameControlTxt
Phone	5419176801	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 1899	AddressLine1Txt
City	ALBANY	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97321	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	STACIE WYSS-SCHOENBORN	PersonNm
Person Title	PRESIDENT/CEO	PersonTitleTxt
Phone	5419176801	PhoneNum
Signature	2025-11-13	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	0	IRSResponsiblePrtyInfoCurrInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	ROGER A JONES CPA	PreparerPersonNm
PTIN	P01702335	PTIN
Phone	4258891778	PhoneNum
Preparation	2025-11-12	PreparationDt

Field	Value	IRS element (for citing)
Tax	2024	TaxYr
Build TS	2025-03-06 01:10:19Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	STACIE WYSS-SCHOENBORN	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 1899	AddressLine1Txt
City	ALBANY	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97321	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$36,821,870	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.CENTRALWCU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1955	FormationYr
Legal Domicile State	OR	LegalDomicileStateCd
Activity Or Mission	PROVIDE SIMPLIFIED ACCESS TO AFFORDABLE FINANCIAL SERVICES.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	135	TotalEmployeeCnt
Total Volunteers	12	TotalVolunteersCnt
Total Gross UBI	$149,636	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$495,000	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$26,612,271	PYProgramServiceRevenueAmt
CY Program Service Revenue	$30,093,534	CYProgramServiceRevenueAmt
PY Investment Income	$1,663,626	PYInvestmentIncomeAmt
CY Investment Income	$4,480,240	CYInvestmentIncomeAmt
PY Other Revenue	$1,184,536	PYOtherRevenueAmt
CY Other Revenue	$2,248,096	CYOtherRevenueAmt
PY Total Revenue	$29,955,433	PYTotalRevenueAmt
CY Total Revenue	$36,821,870	CYTotalRevenueAmt
PY Grants And Similar Paid	$74,893	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$114,488	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$10,464,867	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$12,226,256	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$14,390,412	PYOtherExpensesAmt
CY Other Expenses	$21,455,786	CYOtherExpensesAmt
PY Total Expenses	$24,930,172	PYTotalExpensesAmt
CY Total Expenses	$33,796,530	CYTotalExpensesAmt
PY Revenues Less Expenses	$5,025,261	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$3,025,340	CYRevenuesLessExpensesAmt
Total Assets BOY	$519,423,795	TotalAssetsBOYAmt
Total Assets EOY	$593,071,859	TotalAssetsEOYAmt
Total Liabilities BOY	$477,089,370	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$544,851,611	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$42,334,425	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$48,220,248	NetAssetsOrFundBalancesEOYAmt
Mission	PROVIDE SIMPLIFIED ACCESS TO AFFORDABLE FINANCIAL SERVICES.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	CENTRAL WILLAMETTE CREDIT UNION SERVICES 37,142 MEMBERS OF OUR COMMUNITY WITH DIVERSE FINANCIAL PRODUCTS AND SERVICES. DURING THE YEAR WE GRANTED A TOTAL OF 6,523 LOANS WORTH $136,636,098 TO OUR MEMBERS. WE HAVE A TOTAL LOAN PORTFOLIO OF 20,025 LOANS WORTH $414,803,668. THE CREDIT UNION MAINTAINS 75,127 DEPOSIT ACCOUNTS FOR OUR MEMBERS WORTH $511,124,611. THE CREDIT UNION EMPLOYS 134 INDIVIDUALS FROM OUR COMMUNITY.	Desc
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	Yes (1)	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	Yes (1)	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	Yes (1)	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (1)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	Yes (1)	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	Yes (1)	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	9867	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	135	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Quid Pro Quo Contributions	0	QuidProQuoContributionsInd
Form8282 Property Disposed Of	0	Form8282PropertyDisposedOfInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	0	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	0	LocalChaptersInd
Form990 Provided To Gvrn Body	0	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	DEWAYNE LEDBETTER	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	5419176801	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	7101 SUPRA DR SW	AddressLine1Txt
City	ALBANY	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97321	ZIPCd

Field	Value	IRS element (for citing)
Info In Schedule O Part VII	Yes (X)	InfoInScheduleOPartVIIInd

Form990 Part VII Section A Form990PartVIISectionAGrp (22 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
JIM HEALY
DIRECTOR	3.00	Yes (X)	$0	$0	$0
STEVE UERLINGS
CHAIR	4.00	Yes (X)	$0	$0	$0	Yes (X)
TOM CUTSFORTH
DIRECTOR	3.00	Yes (X)	$0	$0	$0
MARTY CAHILL
SECRETARY	4.00	Yes (X)	$0	$0	$0	Yes (X)
MARK YEAGER
DIRECTOR	3.00	Yes (X)	$0	$0	$0
GREG HAMANN
DIRECTOR	3.00	Yes (X)	$0	$0	$0
CAROLINA VALLADARES
BOARD VICE CHAIR	4.00	Yes (X)	$0	$0	$0	Yes (X)
HELEN HIGGINS
DIRECTOR	3.00	Yes (X)	$0	$0	$0
SALLY BOVETT
DIRECTOR	3.00	Yes (X)	$0	$0	$0
MANETTA DEGGELMAN
DIRECTOR	3.00	Yes (X)	$0	$0	$0
STACIE WYSS-SCHOENBORN
CEO & PRESIDENT	50.00		$458,962	$0	$11,427	Yes (X)
RACHEL WOLFE
COO	50.00		$201,225	$0	$8,022	Yes (X)
JOEY RUDISILL
CIO	50.00		$221,808	$0	$8,524	Yes (X)
GRADY CORR
INFORMATION SECURITY OFFICER	50.00		$158,245	$0	$2,439	Yes (X)
DEWAYNE LEDBETTER
CFO	50.00		$249,527	$0	$8,214	Yes (X)
DAVID DIRKS
CMO	50.00		$201,582	$0	$3,130	Yes (X)
REBECCA BOWER
CAO	50.00		$162,474	$0	$2,135	Yes (X)
DAVE DESEMPLE
SENIOR PROJECT MANAGER	50.00		$165,333	$0	$6,576		Yes (X)
JOHN HERNANDEZ
IT DIRECTOR	50.00		$128,800	$0	$3,839		Yes (X)
VERONICA BRUNER
HR MANAGER	50.00		$140,181	$0	$5,232		Yes (X)
SHAWNA BONABY
CONTROLLER	50.00		$148,895	$0	$5,941		Yes (X)
REBECCA TOLENTINO
DIRECTOR OF BUSINESS SERVICE	50.00		$128,358	$0	$5,100		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,365,390	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$70,579	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	12	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
VELERA
560 CARILLON PARKWAY	ST PETERSBURG	FL	33716	CREDIT AND DEBIT CARD PROCESSOR	$1,423,478
MOMENTUM INC
109 BELL STREET ST B	SEATTLE	WA	98101	CONSTRUCTION SERVICES	$1,055,965
TYFONE INC
5331 SW MACADAM AVE STE 251	PORTLAND	OR	97239	ONLINE BANKING PLATFORM SAAS	$602,665
CORELATION INC
2305 HISTORIC DECARTUR RD STE 300	SAN DIEGO	CA	92106	CORE PLATFORM SAAS	$411,280
AMAZON WEB SERVICES INC
PO BOX 84023	SEATTLE	WA	981248423	WEB SERVICES	$353,892

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	12	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	522100	$24,549,736	$24,549,736
SERVICE CHARGES AND GE	522100	$5,543,798	$5,513,620	$30,178

Field	Value	IRS element (for citing)
Total Program Service Revenue	$30,093,534	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$4,414,486	TotalRevenueColumnAmt
Exclusion	$4,414,486	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$65,754	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$0	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	$65,754	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$65,754	TotalRevenueColumnAmt
Related Or Exempt Func Income	$65,754	RelatedOrExemptFuncIncomeAmt

Other Revenue Misc OtherRevenueMiscGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
OTHER NONOPERATING INC	900099	$2,190,717	$2,071,259	$119,458
OTHER OPERATING INC	900099	$57,379	$57,379

Field	Value	IRS element (for citing)
Other Revenue Total	$2,248,096	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$36,821,870	TotalRevenueColumnAmt
Related Or Exempt Func Income	$32,257,748	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$149,636	UnrelatedBusinessRevenueAmt
Exclusion	$4,414,486	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$114,488	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,653,824	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$8,324,911	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$251,041	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,108,762	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$887,718	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$140,922	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$120,813	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$2,269,901	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$780,552	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$908,604	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$1,902,766	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$914,056	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$234,649	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$7,300,526	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,216,593	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$150,675	TotalAmt

Other Expenses OtherExpensesGrp (3 entries)

DescDesc	TotalTotalAmt
PROVISION FOR LOAN LOSS	$3,338,119
LOAN SERVICING	$918,118
ASSOCIATION DUES	$92,345

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,167,147	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$33,796,530	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$7,505,874	BOYAmt
EOY	$3,465,684	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$10,459,014	BOYAmt
EOY	$75,930,517	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$385,031,463	BOYAmt
EOY	$410,176,659	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$12,124,131	BOYAmt
EOY	$12,465,081	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$23,024,863	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$12,253,280	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$9,133,547	BOYAmt
EOY	$10,771,583	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$76,580,744	BOYAmt
EOY	$58,914,788	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$18,589,022	BOYAmt
EOY	$21,347,547	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$519,423,795	BOYAmt
EOY	$593,071,859	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$9,059,813	BOYAmt
EOY	$9,227,001	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$98,398	BOYAmt
EOY	$120,724	EOYAmt

Unsecured Notes Loans Payable UnsecuredNotesLoansPayableGrp

Field	Value	IRS element (for citing)
BOY	$24,500,000	BOYAmt
EOY	$24,500,000	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$443,431,159	BOYAmt
EOY	$511,003,886	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$477,089,370	BOYAmt
EOY	$544,851,611	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$42,334,425	BOYAmt
EOY	$48,220,248	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$42,334,425	BOYAmt
EOY	$48,220,248	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$519,423,795	BOYAmt
EOY	$593,071,859	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$3,025,340	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$2,860,483	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule C IRS990ScheduleC

Field	Value	IRS element (for citing)
Internal Funds Contributed	$10,000	InternalFundsContributedAmt
Total Exempt Function Expend	$10,000	TotalExemptFunctionExpendAmt
Form1120 POL Filed	0	Form1120POLFiledInd

Section527 Political Org Section527PoliticalOrgGrp

Organization Business Name OrganizationBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	DEFEAT THE COSTLY TAX ON SALES	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 424	AddressLine1Txt
City	OLYMPIA	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	98507	ZIPCd

Field	Value	IRS element (for citing)
EIN	994086232	EIN
Contributions Rcvd Dlvr	$10,000	ContributionsRcvdDlvrAmt

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	0	AgentTrusteeEtcInd
Incl Escrow Custodial Acct Liab	Yes (1)	InclEscrowCustodialAcctLiabInd
Explanation Provided	Yes (X)	ExplanationProvidedInd

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,351,476	OtherCostOrOtherBasisAmt
Book Value	$2,351,476	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$10,210,479	OtherCostOrOtherBasisAmt
Depreciation	$5,728,908	DepreciationAmt
Book Value	$4,481,571	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,453,504	OtherCostOrOtherBasisAmt
Depreciation	$1,315,770	DepreciationAmt
Book Value	$2,137,734	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$7,009,404	OtherCostOrOtherBasisAmt
Depreciation	$5,208,602	DepreciationAmt
Book Value	$1,800,802	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$10,771,583	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (3 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
AVAILABLE FOR SALE	$54,137,464	F
CERTIFICATES OF DEPOSIT	$2,828,260	F
OTHER INVESTMENTS	$1,949,064	F

Field	Value	IRS element (for citing)
Total Book Value Securities	$58,914,788	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBERS' SHARES	Desc
Amt	$511,003,886	Amt

Field	Value	IRS element (for citing)
Total Liability	$511,003,886	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$36,756,116	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$36,756,116	RevenueSubtotalAmt
Other Revenues Not Included	$65,754	OtherRevenuesNotIncludedAmt
Revenue Not Reported Fincl Stmt	$65,754	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$36,821,870	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$33,796,530	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$33,796,530	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$33,796,530	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (3 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART IV, LINE 2B:	THE CREDIT UNION HOLDS ESCROW ACCOUNTS TO MANAGE CUSTOMER FUNDS FOR SPECIFIC PURPOSES, LIKE PROPERTY TAXES OR INSURANCE. THESE FUNDS ARE KEPT SEPARATE FROM OTHER ACCOUNTS AND ARE RECORDED AS LIABILITIES UNTIL USED FOR THEIR INTENDED PURPOSE. THE CREDIT UNION IS RESPONSIBLE FOR MANAGING AND DISBURSING THE FUNDS ACCORDING TO THE ESCROW AGREEMENT.
PART X, LINE 2:	THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL AND STATE INCOME TAXES, EXCEPT TO THE EXTENT OF UNRELATED BUSINESS INCOME. UNRELATED BUSINESS INCOME IS NOT SIGNIFICANT AND NO PROVISION FOR INCOME TAXES HAS BEEN MADE. THE CREDIT UNION HAD NO UNRECOGNIZED TAX BENEFITS AT DECEMBER 31, 2024. INTEREST ACCRUED AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS WOULD BE RECOGNIZED AS A NONINTEREST EXPENSE. DURING THE YEAR ENDED DECEMBER 31, 2024, AND THE SIX MONTHS ENDED DECEMBER 31, 2023 THE CREDIT UNION RECOGNIZED NO TAX RELATED INTEREST AND PENALTIES.
PART XI, LINE 4B - OTHER ADJUSTMENTS:	GAIN ON SALES OF ASSETS 65,754.

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	0	GrantRecordsMaintainedInd

Recipient Table RecipientTable (7 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	Recipient EINRecipientEIN	IRC SectionIRCSectionDesc	Cash GrantCashGrantAmt	Non Cash AssistanceNonCashAssistanceAmt	Purpose Of GrantPurposeOfGrantTxt
ALBANY PARKS & RECREATION
PO BOX 490	ALBANY	OR	97321	936002114	501(C)3	$27,500	$0	$27,500 NW ART & AIR FESTIVAL SPONSORSHIP
BOYS & GIRLS CLUB OF ALBANY
1215 HILL ST SE	ALBANY	OR	97322	930549842	501(C)3	$7,250	$0	$7,250 CELEBRATION OF TREES PRESENTING SPONSOR AND ANNUAL AUCTION TABLE
GO WEST FOUNDATION
18000 INTERNATIONAL BLVD STE 1102	SEATAC	WA	98188	911649328	501(C)3	$25,600	$0	$25,000 - CAR FOR AUCTION BID#709 CU 4 KIDS, $100 AUCTION, AND $500 HOUSE SPONSOR
MID-WILLAMETTE FAMILY YMCA
3201 PACIFIC BLVD SW	ALBANY	OR	97321	930479079	501(C)3	$16,000	$0	$6,000 GYM COURT SPONSORSHIP AND $10,000 SPORTS FIELD COMPLEX SIGNS
GOOD SAMARITAN HOSPITAL FOUNDATION
815 NW 9TH ST STE 136	CORVALLIS	OR	97330	237252406	501(C)3	$10,000	$0	$10,000 SHS 2024 SPONSORSHIP
ALBANY PARKS AND RECREATION FOUNDATION
PO BOX 827	ALBANY	OR	97321	812465668	501(C)3	$8,000	$0	$8,000 GROW WITH US CAMPAIGN DONATION
SAMARITAN HEALTH SERVICES
PO BOX 1068	CORVALLIS	OR	97339	930951989	501(C)3	$5,448	$0	$5,488 SAMARITAN CARD ROYALTIES

Field	Value	IRS element (for citing)
Total501c3 Org	7	Total501c3OrgCnt
Total Other Org	0	TotalOtherOrgCnt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Committee	Yes (X)	CompensationCommitteeInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (9 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
STACIE WYSS-SCHOENBORN
CEO & PRESIDENT	$337,753	$0	$85,000	$0	$36,209	$0	$11,427	$0	$0	$0	$470,389	$0	$0	$0
DEWAYNE LEDBETTER
CFO	$210,128	$0	$17,009	$0	$22,390	$0	$8,214	$0	$0	$0	$257,741	$0	$0	$0
JOEY RUDISILL
CIO	$195,109	$0	$15,133	$0	$11,566	$0	$8,524	$0	$0	$0	$230,332	$0	$0	$0
RACHEL WOLFE
COO	$168,167	$0	$13,874	$0	$19,184	$0	$8,022	$0	$0	$0	$209,247	$0	$0	$0
DAVID DIRKS
CMO	$171,376	$0	$17,390	$0	$12,816	$0	$3,130	$0	$0	$0	$204,712	$0	$0	$0
DAVE DESEMPLE
SENIOR PROJECT MANAGER	$136,395	$0	$12,288	$0	$16,650	$0	$6,576	$0	$0	$0	$171,909	$0	$0	$0
REBECCA BOWER
CAO	$146,319	$0	$5,182	$0	$10,973	$0	$2,135	$0	$0	$0	$164,609	$0	$0	$0
GRADY CORR
INFORMATION SECURITY OFFICER	$130,929	$0	$7,354	$0	$19,962	$0	$2,439	$0	$0	$0	$160,684	$0	$0	$0
SHAWNA BONABY
CONTROLLER	$128,316	$0	$8,961	$0	$11,618	$0	$5,941	$0	$0	$0	$154,836	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	LINE 4B	FormAndLineReferenceDesc
Explanation	THE FOLLOWING INDIVIDUAL(S) PARTICIPATE IN CAP-EX (A SPLIT DOLLAR LIFE INSURANCE ARRANGEMENT IN PLACE OF A TRADITIONAL SERP) AND RECEIVED THE AMOUNTS (IF ANY) FOLLOWING THEIR NAMES: STACIE WYSS-SCHOENBORN: NO PAYMENTS RECEIVED IN 2024. JOEY RUDISILL: NO PAYMENTS RECEIVED IN 2024. RACHEL WOLFE: NO PAYMENTS RECEIVED IN 2024. SEE SCHEDULE L, PART V, FOR A BROADER DESCRIPTION OF THE ARRANGEMENT.	ExplanationTxt

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (3 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
STACIE WYSS-SCHOENBORN
CEO	SPLIT DOLLAR LIFE INSURANCE	Yes (X)	$6,700,000	$7,093,606	0	Yes (1)	Yes (1)
RACHEL WOLFE
CLO	SPLIT DOLLAR LIFE INSURANCE	Yes (X)	$1,530,000	$1,679,683	0	Yes (1)	Yes (1)
JOEY RUDISILL
CIO	SPLIT DOLLAR LIFE INSURANCE	Yes (X)	$3,430,000	$3,691,792	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$12,465,081	TotalBalanceDueAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	SCHEDULE L, PART II, SPLIT DOLLAR LIFE INSURANCE TERMS AND CONDITIONS	FormAndLineReferenceDesc
Explanation	THE ORGANIZATION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS THROUGH AN ALTERNATIVE FUNDING ARRANGEMENT THE IRS CALLS "COLLATERAL ASSIGNMENT SPLIT DOLLAR" (CASD). ALTHOUGH THE IRS REQUIRES REPORTING IN THE LOAN SECTION OF SCHEDULE L, CASD IS NOT A LOAN BECAUSE NO FUNDS ARE TRANSFERRED TO THE EXECUTIVE. RATHER, THE "LOAN" TREATMENT APPLIES BECAUSE AFTER THE EXECUTIVE HAS RECEIVED RETIREMENT BENEFITS, THE ORGANIZATION RECOVERS ALL OF ITS OUTLAYS PLUS INTEREST.THE RECOVERY RIGHT IS A KEY ADVANTAGE OF CASD FOR THE ORGANIZATION. RATHER THAN PAYING RETIREMENT BENEFITS TO THE EXECUTIVE THAT WOULD NEVER BE RECOVERED, UNDER CASD THE ORGANIZATION RECOVERS NOT ONLY ITS OUTLAYS BUT ALSO CONSIDERATION FOR THE TIME VALUE OF MONEY.CASD WORKS AS FOLLOWS. THE ORGANIZATION DEPOSITS FUNDS INTO CASH VALUE LIFE INSURANCE POLICIES ON THE EXECUTIVE'S LIFE. DURING LIFE, TO THE EXTENT THE EXECUTIVE FULFILLS SERVICE AND VESTING REQUIREMENTS, THE EXECUTIVE CAN BORROW AGAINST THE CASH SURRENDER VALUE TO SUPPLEMENT RETIREMENT INCOME. POLICY PERFORMANCE IS CLOSELY MONITORED. IF POLICY PERFORMANCE LAGS, THE EXECUTIVE'S BORROWING RIGHTS ARE REDUCED TO PROTECT THE ORGANIZATION'S RECOVERY RIGHTS.AT THE EXECUTIVE'S DEATH, THE POLICY DEATH PROCEEDS ARE FIRST USED TO REPAY THE ORGANIZATION ITS DEPOSITS PLUS COMPOUNDED INTEREST (AT THE IRS LONG-TERM APPLICABLE FEDERAL RATE). THE EXECUTIVE'S BENEFICIARY THEN RECEIVES ANY PROJECTED RETIREMENT BORROWING THE EXECUTIVE DID NOT ACCESS DURING LIFE. ANY REMAINING DEATH PROCEEDS 1. ARE AVAILABLE TO BE PAID TO THE EXECUTIVE'S BENEFICIARY.2. ARE DIVIDED BETWEEN THE ORGANIZATION AND THE EXECUTIVE'S BENEFICIARY.3. WERE AVAILABLE TO BE PAID TO THE EXECUTIVE'S BENEFICIARY. HOWEVER, THE EXECUTIVE DECIDED TO MAKE A GIFT OF 50% OF THE EXCESS PROCEEDS TO THE ORGANIZATION TO PROVIDE ADDITIONAL FUNDING FOR THE ORGANIZATION'S CHARITABLE ACTIVITIES.	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE CREDIT UNION HAS MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7A	EACH CREDIT UNION MEMBER HAS ONE VOTE TOWARDS THE ELECTION OF THE CREDIT UNION'S GOVERNING BODY.
FORM 990, PART VI, SECTION B, LINE 11B	FORM 990 IS MADE AVAILABLE FOR REVIEW BY THE BOARD AT REGULARLY SCHEDULED MEETINGS AFTER THE FORM IS FILED. THE CREDIT UNION'S CEO IS PROVIDED WITH A COPY OF THE FORM 990 PRIOR TO FILING.
FORM 990, PART VI, SECTION B, LINE 12C	ANNUALLY, EMPLOYEES MUST REVIEW THE CREDIT UNION'S CONFLICT OF INTEREST POLICY AND SIGN A STATEMENT THAT THEY HAVE READ THE POLICY. THE COMPLIANCE OFFICER OF THE CREDIT UNION CONDUCTS STAFF MEETINGS TO REVIEW THE POLICY AND ANSWER ANY QUESTIONS. THE COMPLIANCE OFFICER ALSO REVIEWS THE POLICY WITH THE BOARD OF DIRECTORS. EMPLOYEE AND DIRECTOR TRANSACTIONS ARE MONITORED BY THE CREDIT UNION'S INTERNAL AUDITOR FOR ANY POSSIBLE CONFLICTS.
FORM 990, PART VI, SECTION B, LINE 15	THE CEO'S COMPENSATION IS REVIEWED BY THE CREDIT UNION'S GOVERNANCE COMMITTEE. THE COMMITTEE MAKES RECOMMENDATIONS TO THE BOARD OF DIRECTORS. THE BOARD MAKES THE FINAL DETERMINATION. KEY EMPLOYEES HAVE THEIR COMPENSATION REVIEWED BY THE CEO. IN ALL CASES, INDUSTRY COMPENSATION SURVEYS AND LOCAL DATA ARE USED TO DETERMINE INDIVIDUAL AMOUNTS. THE CREDIT UNION ALSO HAS POLICIES IN THE EMPLOYEE MANUAL THAT COVER COMPENSATION, PERFORMANCE REVIEWS, AND INCENTIVES. CEO COMPENSATION WAS LAST REVIEWED IN DECEMBER 2024. KEY EMPLOYEE COMPENSATION ANALYSIS WAS LAST CONDUCTED IN DECEMBER 2024.
FORM 990, PART VI, SECTION C, LINE 18	MADE AVAILABLE TO THE PUBLIC UPON WRITTEN REQUEST.
FORM 990, PART VI, SECTION C, LINE 19	GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICIES ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
FORM 990, PART VII	THE CREDIT UNION MAINTAINS A 457 ELIGIBLE DEFERRED COMPENSATION PLAN FOR FORMER CEO ELAINE EASTMAN. DURING THE 2024 TAX YEAR, THE CREDIT UNION PAID $38,194 UNDER THIS PLAN. ADDITIONAL PAYMENTS ARE SCHEDULED OVER THE NEXT THREE YEARS. THE AMOUNTS REPORTED ON SCHEDULE J REFLECT ONLY PAYMENTS MADE DURING THE 2024 TAX YEAR.
FORM 990, PART XII, 2C	THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR.