2025-11-17T20:39:32-06:00 2024-12-31 952302617 SINGERLEWAK LLP 10960 WILSHIRE BLVD SUITE 1100 LOS ANGELES CA 90024 990 2024-01-01 840419976 SOOPER CREDIT UNION DBA CLIMB CREDIT UNION SOOP 3034275005 5005 W 60TH AVE ARVADA CO 80003 CHARLIE EMANUEL CFO 3034275005 2025-11-17 1 1 NANAZ BENYAMINI P00748170 3104773924 2025-11-17 2024 2025-03-06 01:10:19Z DANIEL KESTER 5005 W 60TH AVE ARVADA CO 80003 112035915 0 X WWW.CLIMBCU.ORG X 1951 CO TO IMPROVE OUR COMMUNITIES' QUALITY OF LIFE BY ENHANCING OUR MEMBERS' FINANCIAL WELL-BEING. 9 0 182 0 14939 0 0 0 40714713 46466800 1840409 4075512 15612 14939 42570734 50557251 0 0 0 0 12875911 14681405 0 0 0 21880768 30801728 34756679 45483133 7814055 5074118 664866439 658967972 596361879 585436659 68504560 73531313 TO IMPROVE OUR COMMUNITIES' QUALITY OF LIFE BY ENHANCING OUR MEMBERS'FINANCIAL WELL-BEING. 0 0 THE CREDIT UNION IS OWNED BY APPROXIMATELY 35,000 MEMBERS. THE CREDITUNION PROVIDES FINANCIAL SERVICES TO ITS MEMBERS. SOME OF THESESERVICES INCLUDE CONSUMER LENDING, MORTGAGE LENDING, CHECKING ANDSAVINGS ACCOUNTS, AND SHARE CERTIFICATES. THE CREDIT UNION ALSO OFFERSATM, DEBIT AND CREDIT CARDS, IN ADDITION TO OTHER FINANCIAL SERVICES. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 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 1 12867 0 1 182 1 1 1 0 0 0 0 0 0 0 0 0 X 9 0 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 0 X CHARLIE EMANUEL CFO 3034275005 5005 W 60TH AVE ARVADA CO 80003 ADAM WILLIAMSON CHAIRPERSON/DIRECTOR 6.00 X X 18000 0 0 ALMA VAZQUEZ-HERNANDEZ VICE CHAIRPERSON 3.00 X X 9000 0 0 DONETTA DAVIDSON BOARD MEMBER 3.00 X 9000 0 0 FLOSSIE O'LEARY BOARD MEMBER 3.00 X 9000 0 0 JOHN BODNAR SECRETARY/DIRECTOR THROUGH 04/30/2024 3.00 X 3750 0 0 LYNN SIERRAS-KRONE SECRETARY/DIRECTOR 3.00 X X 9000 0 0 MICHAEL DOSS TREASURER 3.00 X X 15000 0 0 PRESTON BRANAUGH BOARD MEMBER 3.00 X 9000 0 0 TONY DAYMIL EMERITUS 3.00 X 9000 0 0 CARRIE LANGGARD CEO/PRESIDENT 40.00 X 620045 0 42566 CHARLIE EMANUEL CFO 40.00 X 302696 0 25095 CHERISE MEANY VP OF MARKETING 40.00 X 166547 0 17656 DIANE ARTHUR VP OF FINANCE 40.00 X 178518 0 28057 GARY ROBBINS CHIEF LENDING OFFICER 40.00 X 304176 0 44840 IAIN MCHENRY SVP OF LENDING 40.00 X 205927 0 40485 JOSH HENDERSON VP IT 40.00 X 202832 0 32562 KENDRA GALLOWAY VP OF PROCESS & PARTNER IN 40.00 X 180633 0 18641 MIRANDA LOTT SVP OF HR 40.00 X 205598 0 22802 NATHAN ROGERS CHIEF STRATEGY OFFICER 40.00 X 285271 0 37444 TERRI RHOADES VP BUSINESS SERVICES 40.00 X 129591 0 4981 ANDREW VILLARREAL AVP OF CREDIT ADMINISTRATOR 40.00 X 141500 0 11095 BEE VANG DIRECTOR OF IT 40.00 X 121358 0 35270 DOMINGO LORA-MENDOZA AVP OF MEMBER EXPERIENCE 40.00 X 127488 0 25587 JESSE SCHADE VP OF MEMBER EXPERIENCE 40.00 X 145988 0 0 SUZANNE CARRICK PRODUCT STRATEGIST 40.00 X 159162 0 20075 3568080 0 407156 24 0 1 0 LOCKTON PO BOX 123036 DALLAS TX 753123036 INDIRECT AUTO INSURANCE 1197262 COOP 9692 HAVEN AVE RANCHO CUCAMONGA CA 91730 PAYMENT NETWORK AND CARD PROCESSOR 1110312 PRODIGY 420 E SOUTH TEMPLE ST SALT LAKE CITY UT 84111 DATA PROCESSOR 770334 Q2 SOFTWARE INC PO BOX 205970 DALLAS TX 753205970 ONLINE BANKING PROVIDER 733322 STRUM AGENCY INC 2033 6TH AVE SUITE 600 SEATTLE WA 98121 BRANDING, MARKETING ANALYTICS, AND DATA 659395 31 INTEREST ON LOANS TO MEMBERS 522100 40814634 40814634 OTHER INCOME 522100 3341854 3341854 FEES AND CHARGES 522100 2310312 2310312 46466800 1188788 1188788 1651574 62713814 0 61478664 1651574 1235150 2886724 2886724 NON-MEMBER ATM FEES 525990 14939 14939 14939 50557251 50542312 14939 0 3115912 9050975 279677 1512713 722128 97235 180922 1091314 1685050 5407663 1503665 292776 29523 677065 178567 INTEREST AND DIVIDENDS 13056177 CREDIT LOSS EXPENSE 5526257 LOAN SERVICING EXPENSES 604819 MISCELLANEOUS OTHER EXP 406877 63818 45483133 5725016 5038180 17873427 25713080 733131 892955 1934887 2482625 577387813 565384655 1535853 1244154 18632029 10848368 7950257 7783661 27748230 25484395 2372000 842500 3064782 4203110 18541043 19898657 664866439 658967972 6607422 6517616 52706100 15000000 537048357 563919043 596361879 585436659 X 0 0 0 0 68504560 73531313 68504560 73531313 664866439 658967972 5074118 -47365 0 X 0 0 0 1364882 1364882 12571850 6888482 5683368 4257932 3959886 298046 437365 437365 7783661 MEMBER SHARES AND DEPOSIT ACCOUNTS 538108043 NON MEMBER DEPOSITS 25811000 563919043 X X X 0 1 0 CARRIE LANGGARD CEO/PRESIDENT 541904 0 78141 0 0 0 19399 0 23167 0 662611 0 0 0 GARY ROBBINS CHIEF LENDING OFFICER 264176 0 40000 0 0 0 12020 0 32820 0 349016 0 0 0 CHARLIE EMANUEL CFO 264296 0 38400 0 0 0 11804 0 13291 0 327791 0 0 0 NATHAN ROGERS CHIEF STRATEGY OFFICER 246871 0 38400 0 0 0 11227 0 26217 0 322715 0 0 0 IAIN MCHENRY SVP OF LENDING 178926 0 27001 0 0 0 7665 0 32820 0 246412 0 0 0 JOSH HENDERSON VP IT 178640 0 24192 0 0 0 6580 0 25982 0 235394 0 0 0 MIRANDA LOTT SVP OF HR 178598 0 27000 0 0 0 8048 0 14754 0 228400 0 0 0 DIANE ARTHUR VP OF FINANCE 157406 0 21112 0 0 0 6976 0 21081 0 206575 0 0 0 KENDRA GALLOWAY VP OF PROCESS & PARTNER IN 159630 0 21003 0 0 0 5550 0 13091 0 199274 0 0 0 CHERISE MEANY VP OF MARKETING 147073 0 19474 0 0 0 6561 0 11095 0 184203 0 0 0 SUZANNE CARRICK PRODUCT STRATEGIST 140962 0 18200 0 0 0 6434 0 13641 0 179237 0 0 0 BEE VANG DIRECTOR OF IT 110506 0 10852 0 0 0 4550 0 30720 0 156628 0 0 0 DOMINGO LORA-MENDOZA AVP OF MEMBER EXPERIENCE 113088 0 14400 0 0 0 2754 0 22833 0 153075 0 0 0 ANDREW VILLARREAL AVP OF CREDIT ADMINISTRATOR 126493 0 15007 0 0 0 0 0 11095 0 152595 0 0 0 PART I, LINE 4B PER CONFIDENTIALITY AGREEMENTS SIGNED BY THE ORGANIZATION, SEVERANCE PACKAGES PAID TO EMPLOYEES ARE NOT OPEN FOR PUBLIC INSPECTION. THE ORGANIZATION WILL PROVIDE SUCH INFORMATION REQUESTED BY A GOVERNMENT AGENCY UPON REQUEST. THE CREDIT UNION HAS ESTABLISHED A NON-QUALIFIED DEFERRED COMPENSATION PLAN FOR SELECT MEMBERS OF MANAGEMENT UNDER SECTION 457(F) OF THE INTERNAL REVENUE CODE. EACH MEMBER OF MANAGEMENT WHO IS OFFERED THE PLAN MUST BE CONTINUOUSLY EMPLOYED FOR A CERTAIN NUMBER OF YEARS TO EARN THE DEFERRED COMPENSATION PAYMENT. THERE WERE NO AMOUNTS ACCRUED UNDER THE PLAN FOR 2024. ALMA VAZQUEZ-HERNANDEZ DIRECTOR PURCHASE X 34013 28792 0 1 1 CHARLIE EMANUEL CFO REFINANCE X 534028 545769 0 1 1 CHARLIE EMANUEL CFO REFINANCE X 73959 45885 0 1 1 CHARLIE EMANUEL CFO REFINANCE X 75154 62683 0 1 1 CHARLIE EMANUEL CFO SPLIT DOLLAR LIFE INSURANCE X 130277 592339 0 1 1 GARY ROBBINS CRO REFINANCE X 59750 55748 0 1 1 PRESTON BRANAUGH DIRECTOR HOME IMPROVEMENT X 95000 86149 0 1 1 ANTHONY DAYMIL DIRECTOR PURCHASE X 22028 18961 0 1 1 ANTHONY DAYMIL DIRECTOR HOME EQUITY LINE OF CREDIT X 256 75766 0 1 1 THOMAS DAYMIL FAMILY OF DIRECTOR X 15000 12354 0 1 1 CARRIE LANGGARD CEO REFINANCE X 108876 93710 0 1 1 CARRIE LANGGARD CEO REFINANCE X 229703 240501 0 1 1 MIRANDA LOTT CPO PURCHASE X 27906 18088 0 1 1 MIRANDA LOTT CPO X 5000 3796 0 1 1 MIRANDA MADDEN CPO REFINANCE X 596062 602084 0 1 1 2482625 BLOSSOM (FORMERLY PRODIGY) CARRIE LANGGARD SITS ON THE BOARD OF DIRECTORS OF PRODIGY 770334 CORE PROCESSOR 0 FORM 990, PART VI, SECTION A, LINE 6 PERSONS ELIGIBLE FOR MEMBERSHIP INCLUED EMPLOYEES (AND FAMILY MEMBERS) OF KING SOOPERS, CITY MARKET, AND OTHER BUSINESSES AND MEMBERS OF ASSOCIATIONS GENERALLY IN THE DENVER, COLORADO SPRINGS, AND GRAND JUNCTION, COLORADO AREAS. MEMBERSHIP ALSO INCLUDES PERSONS 55 YEARS OR OLDER LIVING WITHIN 25 MILES OF A SOOPER CREDIT UNION BRANCH. IN 2015, THE CREDIT UNION ADDED PERSONS WHO LIVE OR WORK IN JEFFERSON COUNTY, COLORADO TO ITS FIELD OF MEMBERSHIP. A $5 MINIMUM DEPOSIT IS REQUIRED FOR MEMBERSHIP. FORM 990, PART VI, SECTION A, LINE 7A THE MEMBERS OF THE CREDIT UNION ANNUALLY ELECT THE BOARD OF DIRECTORS TO SERVE FOR MULTIPLE-YEAR TERMS BY MAILING IN BALLOTS OR VOTING AT AN ANNUAL MEETING. FORM 990, PART VI, SECTION A, LINE 7B VARIOUS DECISIONS MADE BY THE BOARD OF DIRECTORS FOR A CREDIT UNION ARE SUBJECT TO APPROVAL BY THE MEMBERS OF THE CREDIT UNION AS SET FORTH IN NCUA RULES AND REGULATIONS AND APPLICABLE STATE REGULATIONS. MERGER-REQUIRES TWO-THIRDS MAJORITY VOTE OF VOTING MEMBERS. CHARTER CONVERSION-REQUIRES TWO-THIRDS MAJORITY VOTE OF VOTING MEMBERS. DISSOLUTION AND LIQUIDATION-REQUIRES MAJORITY VOTE OF ENTIRE MEMBERSHIP. FORM 990, PART VI, SECTION B, LINE 11B THE CREDIT UNION HAS CONTRACTED WITH A CERTIFIED PUBLIC ACCOUNTING FIRM FOR ASSISTANCE IN COMPLETION OF THE FORM 990/990-T. CURRENTLY, THE BOARD OF DIRECTORS DOES NOT REVIEW THE TAX FORM 990/990-T PRIOR TO SUBMISSION. FORM 990, PART VI, SECTION B, LINE 12C CONFLICT OF INTEREST STATEMENTS ARE SENT TO THE DIRECTORS, SUPERVISORY COMMITTEE AND ALL STAFF ANNUALLY. THESE ARE COMPLETED AND RETURNED TO THE DIRECTOR OF CORPORATE. FORM 990, PART VI, SECTION B, LINE 15 CEO COMPENSATION-THE BOARD OF DIRECTORS USE COMPENSATION SURVEYS TO DETERMINE CEO COMPENSATION. CEO COMPENSATION IS APPROVED BY THE BOARD OF DIRECTORS. TOP MANAGEMENT COMPENSATION-JOB DESCRIPTIONS ARE DEVELOPED USING THE COMPEASE SOFTWARE PORTAL. FACTORS AND JOB DESCRIPTIONS ARE SET WITHIN THE SOFTWARE, WHICH THEN DETERMINES THE SALARY RANGE FOR THE POSITION. SALARIES ARE INCREASED AND DETERMINED BY PERFORMANCE AND THE EMPLOYEES' COMPARATIO. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION'S GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICIES ARE AVAILABLE FOR REVIEW UPON REQUEST AT THE CREDIT UNION. MONTHLY FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. SUMMARIZED FINANCIAL INFORMATION IS AVAILABLE ON THE CREDIT UNION'S WEBSITE. QUARTERLY FINANCIAL DATE IS AVAILABLE TO THE PUBLIC AT WWW.NCUA.GOV.