2014-05-14T13:19:47-05:00 2013-12-31 420714325 MCGLADREY LLP 801 NICOLLET MALL SUITE 1100 MINNEAPOLIS MN 55402 990 2013-01-01 910176216 CREDIT UNIONS IN THE STATE OF WASHINGTON TAPCO CREDIT UNION CRED 2536203241 6312 - 19TH STREET WEST TACOMA WA 98466 SCOTT DRABB VP 2536203241 2014-05-12 1 GERALD B KISSELL P00092658 6123324300 2013 2015-11-30 17:44:51Z CARLYN ROY 6312 - 19TH STREET WEST TACOMA WA 98466 13885534 0 1269 X WWW.TAPCOCU.ORG X 1934 WA IMPROVING LIVES BY PARTNERING WITH FAMILIES TO REACH THEIR GOALS 9 9 73 14 94763 -181646 0 0 9690536 10764610 765590 1141843 18400 23125 10474526 11929578 9000 16956 631481 604648 4457148 4844860 0 0 0 4807809 5173201 9905438 10639665 569088 1289913 269727817 289162988 247980810 266126068 21747007 23036920 X WE ARE A FINANCIAL COOPERATIVE COMMITTED TO IMPROVING LIVES BY PARTNERING WITH FAMILIES TO REACH THEIR GOALS AND IMPACTING OUR COMMUNITY BY HELPING INDIVIDUALS REALIZE THEIR FULL POTENTIAL.WE WILL CREATE AN EXPERIENCE OF FAMILY AND BELONGING THROUGHOUT THE MEMBERS' LIFE STAGES BY OUR VALUES:* TRUST AND UNDERSTANDING* RESPECT FOR OURSELVES AND OTHERS* INTEGRITY IN ALL THAT WE DO* HOLDING OURSELVES AND EACH OTHER ACCOUNTABLE* COOPERATION 0 0 PROVIDE FINANCIAL PRODUCT AND SERVICES TO OVER 23,000 MEMBERS, INCLUDING MORE THAN 13,000 CONSUMER, REAL ESTATE, AND BUSINESS LOANS AND OVER 39,000 DEPOSIT ACCOUNTS. SERVICES OFFERED INCLUDE ONLINE BANKING AND BILL PAY, BRANCHES AND ATMS, SAFE DEPOSIT BOXES, SHARED BRANCHING, ACH AND WIRE TRANSFERS. 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 1 1 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 1 4592 0 1 73 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 X SCOTT DRABB 2535659895 6312 - 19TH STREET WEST TACOMA WA 98466 EILEEN LEWIS CHAIR 1.00 X X 0 0 0 ED TROYER VICE CHAIR 1.00 X X 0 0 0 STEVE POYTHRESS SECRETARY/TREASURER 2.00 X X 0 0 0 ROB MASKO DIRECTOR 1.00 X 0 0 0 PAT MCELLIGOTT DIRECTOR 1.00 X 0 0 0 RICHARD WILLIAMS DIRECTOR 1.00 X 0 0 0 FRED WAGNER DIRECTOR 1.00 X 0 0 0 CLARA NELSON DIRECTOR 1.00 X 0 0 0 JOHN COLE DIRECTOR 1.00 X 0 0 0 CARLYN ROY PRESIDENT 40.00 X 259126 0 118906 SCOTT DRABB VP 40.00 X 170652 0 81100 GWEN TERRY VP 40.00 X 226069 0 23906 655847 0 223912 3 0 1 0 XP SYSTEMS 75 REMITTANCE DR STE 6969 CHICAGO IL 60675 SOFTWARE MAINTENANCE 410567 NATIONAL CREDIT UNION ADMINISTRATION PO BOX 979069 ST LOUIS MO 63197 ASSESSMENTS 360439 ACI WORLDWIDE CORP 99944 COLLECTION CENTER DRIVE CHICAGO IL 60693 INTERNET/BILL PAY 249799 FISERV 75 REMITTANCE DR STE 6969 CHICAGO IL 60675 STATEMENT PROCESSING / MISC. 188283 REAL ESTATE RECOVERY SERVICES LLC 9655 SE 36TH STREET STE 203 MERCER ISLAND WA 98040 BUSINESS LOANS CONSULTANT 187379 6 INTEREST ON LOANS TO MEMBERS 522100 7167325 7167325 FEE INCOME 522100 2215184 2215184 OTHER NON-INTEREST INCOME 522100 1382101 1287338 94763 10764610 1014255 1014255 23125 0 23125 23125 23125 2083544 1955956 127588 127588 127588 11929578 10669847 94763 1164968 9956 7000 604648 629784 3190146 52570 698015 274345 30474 78140 255935 1928314 489311 240923 472588 204691 204635 LOAN SERVICING EXPENSES 843117 PROVISION FOR LOAN LOSS 367000 ASSOCIATION FEES 54491 ANNUAL MEETING 3582 10639665 7039022 4890065 109740928 117716940 129495915 149588762 690701 819919 8995872 4400947 4477511 4594925 6426855 6580423 7032156 955012 4824729 4016942 269727817 289162988 2329199 2410572 245651611 263715496 247980810 266126068 X 0 0 0 0 21747007 23036920 21747007 23036920 269727817 289162988 1289913 0 X 0 0 0 1203880 1203880 4983271 2479434 2503837 110874 107304 3570 1385679 1105637 280042 1312168 708572 603596 4594925 DEPOSITS 263715496 263715496 1 SCHOLARSHIPS 7 7000 PART I, LINE 2: SCHOLARSHIP FUNDS ARE GIVEN OUT BY A COMMITTEE OF THE BOARD AND CHECKS ARE CUT DIRECTLY TO THE EDUCATIONAL INSTITUTIONS. X 1 1 X X 0 1 0 CARLYN ROY PRESIDENT 230526 0 28600 0 0 0 107030 0 11876 0 378032 0 0 0 SCOTT DRABB VP 159752 0 10900 0 0 0 64072 0 17028 0 251752 0 0 0 GWEN TERRY VP 76069 0 150000 0 0 0 15860 0 8046 0 249975 0 0 0 PART I, LINE 1A TRAVEL FOR COMPANIONS - REIMBURSEMENT FOR COMPANION'S EXPENSES MUST RECEIVE ADVANCE AUTHORIZATION. AIRFARE AND REGISTRATION, WHERE APPLICABLE, FOR CONFERENCES, CONVENTIONS AND SEMINARS. RECEIPTS EVIDENCING ACTUAL EXPENSES MUST BE SUBMITTED. COMPANION MAY ACCOMPANY ONLY IF THEIR PRESENCE DOES NOT INTERFERE WITH THE BUSINESS OBJECTIVE OF THE TRIP. PART I, LINE 4B CARLYN ROY AND SCOTT DRABB PARTICIPATED IN A NON-QUALIFIED RETIREMENT PLAN. NO DISTRIBUTIONS WERE MADE DURING THE 2013 TAX YEAR. FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION'S MEMBERS HAVE RIGHTS TO ELECT THE MEMBERS OF THE GOVERNING BODY. THE CREDIT UNION'S MEMBERS ALSO RECEIVE A SHARE OF THE ORGANIZATION'S PROFITS IN THE FORM OF CASH DIVIDENDS. FORM 990, PART VI, SECTION A, LINE 7A MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, AS VACANCIES ARISE, OR OTHERWISE. FORM 990, PART VI, SECTION A, LINE 7B MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR. FORM 990, PART VI, SECTION B, LINE 11 THE VP OF ACCOUNTING REVIEWS FORM 990 BY COMPARING IT TO AUDITED FINANCIAL STATEMENTS AND ACCOUNTING DATA. A COPY OF FORM 990 WILL BE PROVIDED TO THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 12C THE EMPLOYEE HANDBOOK STATES AND THE EMPLOYEES ARE INFORMED WHEN HIRED THAT THE EMPLOYEE MUST INFORM THEIR SUPERVISOR IF THEY HAVE ANY OTHER EMPLOYMENT OUTSIDE OF TAPCO CREDIT UNION. FORM 990, PART VI, SECTION B, LINE 15 THE ANNUAL PERCENTAGE INCREASE IS SET BY THE BOARD OF DIRECTORS. ANY ADDITIONAL CHANGES ARE DETERMINED BY USING COMPEASE, AN ONLINE PROGRAM FROM HRN, UPDATED ANNUALLY, WHICH TAKES INTO ACCOUNT OUR SIZE AND DEMOGRAPHICS. FORM 990, PART VI, SECTION C, LINE 19 THE FINANCIAL STATEMENTS ARE MADE PUBLIC THROUGH THE ANNUAL MEETING AND INTERNET, THE FORM 5300 (CALL REPORT) IS AVAILABLE THROUGH THE INTERNET, AND THE CONFLICTS OF INTEREST POLICIES ARE AVAILABLE UPON REQUEST. TAPCO SERVICES INC 6312 19TH STREET W TACOMA WA 98466 911271799 INSURANCE BROKERAGE/AGENCY WA TAPCO CREDIT UNION C 1.00000 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0