2014-11-17T12:54:51-06:00 2013-12-31 910189318 MOSS ADAMS LLP 601 W RIVERSIDE AVENUE STE 1800 SPOKANE WA 99201 990 2013-01-01 910863377 NUMERICA CREDIT UNION NUME 5095357613 14610 E SPRAGUE AVENUE SPOKANE VALLEY WA 992162146 CINDY LEAVER CFO 5095357613 2014-11-14 1 EMINA O CRESSWELL P01217304 5097472600 2014-11-14 2013 2015-11-30 17:44:51Z CINDY LEAVER 14610 E SPRAGUE AVENUE SPOKANE VALLEY WA 992162146 78661638 0 1269 X WWW.NUMERICACU.COM X 1937 WA CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES. 9 9 444 16 973939 193839 0 0 64565430 70063731 5575443 2740476 0 0 70140873 72804207 92910 154288 0 0 23669947 24203608 0 0 0 30445057 31506411 54207914 55864307 15932959 16939900 1211562806 1330539948 1082409944 1189551794 129152862 140988154 CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES. 0 0 PROVIDE FINANCIAL SERVICES TO 100,895 MEMBERS. THESE SERVICES INCLUDE, BUT ARE NOT LIMITED TO, PROVIDING REAL ESTATE AND OTHER SECURED/UNSECURED CONSUMER LOANS, CHECKING AND SAVINGS PROGRAMS, AND CREDIT CARD SERVICES. 0 0 0 0 0 0 0 0 0 1 1 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 0 0 0 0 0 0 0 0 1 1 0 0 1 24278 0 1 444 1 1 1 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 1 0 X CINDY LEAVER 5095357613 14610 E SPRAGUE AVENUE SPOKANE VALLEY WA 99216 BENSON ADAM VOTING BOARD MEMBER - DIRECTOR 8.00 X 7078 0 0 DAY JOE VOTING BOARD MEMBER - DIRECTOR 8.00 X 4946 0 0 LANNING LARRY VOTING BOARD MEMBER - DIRECTOR 8.00 X 6567 0 0 NIELSEN SUSAN VOTING BOARD MEMBER - DIRECTOR 8.00 X 9586 0 0 PLUMB SCOTT VOTING BOARD MEMBER - DIRECTOR 8.00 X 11152 0 0 CLARK SCOTT VOTING BOARD MEMBER - CO-VICE CHAIR 8.00 X X 6593 0 0 HARMON ROBIN VOTING BOARD MEMBER - CO-VICE CHAIR 8.00 X X 6759 0 0 HUPP RON VOTING BOARD MEMBER - SECRETARY 8.00 X X 6745 0 0 SHRIVER DAVE VOTING BOARD MEMBER - CHAIRMAN 8.00 X X 5841 0 0 ALTEPTER CARLA PRESIDENT/CEO 40.00 X 524266 0 20110 FERGUSON KELLEY CHIEF INFORMATION OFFICER 40.00 X 219862 0 12547 HARTER NANCY CHIEF BRANDING OFFICER 40.00 X 239181 0 12629 LEAVER CINDY CHIEF FINANCIAL OFFICER 40.00 X 248625 0 13637 LEHN JENNIFER CHIEF OPERATIONS OFFICER 40.00 X 1607161 0 14052 PLANK KENNETH CHIEF LENDING OFFICER 40.00 X 223244 0 7821 GRABICKI MICHELLE VP BRANCH ADMIN 40.00 X 170751 0 10639 HANSEN GREG VP OF BUSINESS SERVICES 40.00 X 152460 0 11914 RONNFELDT MARY VP OF MARKETING 40.00 X 179561 0 12180 STEPHENS ROB VP OF FINANCE 40.00 X 153063 0 11970 COLTRAIN ERIC FINANCIAL ADVISOR 40.00 X 172963 0 11837 KELLEY KIMMITH VP CORPORATE CULTURE 40.00 X 145674 0 11102 SUNDERMAN LISA VP ENTERPRISE RISK MANAGEMENT 40.00 X 137487 0 10399 HELGESEN ROBERT AVP HOME LOAN CENTER 40.00 X 135188 0 7243 PHARES SCOTT AVP DEALER CENTER 40.00 X 132871 0 7246 4507624 0 175326 33 0 1 0 MTR COMMUNICATIONS 1705 S MAPLE BLVD SPOKANE WA 99203 MARKETING/PUBLIC RELATIONS 923111 JACK HENRY & ASSOCIATES INC PO BOX 609 MONETT MO 65708 COMPUTERS/TECHNOLOGY 690025 BASSO LLC 307 N LINCOLN ST POST FALLS ID 83854 GENERAL CONTRACTOR 428800 EHS DESIGN 821 2ND AVE STE 400 SEATTLE WA 98104 STRATEGIC PLANNING/INTERIOR DESIGN 419776 THE KARMA GROUP 118 S ADAMS ST GREEN BAY WI 54301 CONSULTING 412091 41 INTEREST ON LOANS 522100 53053703 53053703 FEE INCOME 522100 17010028 16036089 973939 70063731 2720652 2720652 5149123 728132 5092896 764535 56227 -36403 19824 19824 72804207 69089792 973939 2740476 154288 3910936 14567860 1488609 2628225 1607978 28542 147675 568684 2313063 2791519 1483485 1512574 463844 79719 10070314 2020886 339642 UNRELATED BUSINESS INCO 59550 PROVISION FOR LOAN LOSS 5450000 LOAN SERVICING EXPENSE 2139105 ATM/VISA CARD EXPENSES 920130 1117679 55864307 13500088 15107758 65128523 76543960 2379741 2320422 939738336 1045691710 1658046 1585534 54486666 15722881 38103740 38763785 129748107 131086783 244495 200735 21061730 19239261 1211562806 1330539948 15274597 14285796 146761 73427 52284457 52284457 1014704129 1122908114 1082409944 1189551794 X 0 0 0 0 129152862 140988154 129152862 140988154 1211562806 1330539948 16939900 -5104608 0 X 0 1 X 1 0 11668001 11668001 28385307 6787069 21598238 1016498 548441 468057 4498862 3136190 1362672 8917998 5251181 3666817 38763785 AVAILABLE FOR SALE SECURITIES 117548225 F HELD TO MATURITY SECURITIES 46556 C NCUSIF DEPOSIT 10003102 C FEDERAL HOME LOAN BANK STOCK 2488900 C OTHER INVESTMENTS 1000000 C 131086783 SHARES & DEPOSITS 1095908114 OTHER BORROWINGS 27000000 1122908114 X 72804207 0 72804207 0 72804207 55864307 0 55864307 0 55864307 PART X, LINE 2: THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL INCOME TAXES UNDER THE PROVISIONS OF SECTION 501 OF THE INTERNAL REVENUE CODE OF 1954; HOWEVER, THE CREDIT UNIONS UNRELATED BUSINESS INCOME AND SUBSIDIARIES ARE SUBJECT TO FEDERAL INCOME TAXES. THERE WERE NO SIGNIFICANT INCOME TAXES FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012. ACCOUNTING PRINCIPLES PRESCRIBE A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE CREDIT UNION HAD NO UNRECOGNIZED TAX POSITIONS AT DECEMBER 31, 2013, OR DECEMBER 31, 2012. IT IS THE CREDIT UNION'S POLICY TO RECORD ANY PENALTIES OR INTEREST ARISING FROM FEDERAL OR STATE TAXES AS A COMPONENT OF NONINTEREST EXPENSE. THE CREDIT UNION FILES A FEDERAL EXEMPT ORGANIZATION RETURN AND SALES AND USE TAX RETURN WITH THE STATE OF WASHINGTON. WITH FEW EXCEPTIONS, THE CREDIT UNION IS NO LONGER SUBJECT TO U.S. FEDERAL OR STATE AND LOCAL INCOME TAX EXAMINATIONS BY TAX AUTHORITIES FOR YEARS BEFORE 2010. 1 GREATER SPOKANE COUNTY MEALS ON WHEELS PO BOX 14278 SPOKANE VALLEY WA 99214 911042546 501(C)(3) 5170 GENERAL SUPPORT WENATCHEE VALLEY HUMANE SOCIETY 1474 S WENATCHEE AVE WENATCHEE WA 98801 910838299 501(C)(3) 5100 GENERAL SUPPORT WOMEN & CHILDREN'S FREE RESTAURANT 1620 N MONROE SPOKANE WA 99205 911399742 501(C)(3) 15125 GENERAL SUPPORT CHILDREN'S MIRACLE NETWORK PO BOX 304 SPOKANE WA 99210 870387205 501(C)(3) 6000 GENERAL SUPPORT MOBIUS KIDS 808 W MAIN ST SPOKANE WA 99201 911694299 501(C)(3) 6000 GENERAL SUPPORT CHRIST CLINIC 914 W CARLISLE SPOKANE WA 99205 911435174 501(C)(3) 7500 GENERAL SUPPORT TOWN TOYOTA CENTER 1300 WALLA WALLA WENATCHEE WA 98801 562608455 501(C)(3) 13475 GENERAL SUPPORT SECOND HARVEST FOOD BANK 1234 E FRONT AVE SPOKANE WA 99202 237173826 501(C)(3) 53318 GENERAL SUPPORT SPOKANE HOOPFEST ASSOCIATION PO BOX 599 SPOKANE WA 99210 911505510 501(C)(3) 16500 GENERAL SUPPORT SPOKANE DISTRICT DENTAL 23403 E MISSION AVE STE 218 LIBERTY LAKE WA 99019 208248281 501(C)(3) 15100 GENERAL SUPPORT EWU ALUMNI ASSOCIATION 102 HARGREAVES CHENEY WA 99004 943198226 501(C)(3) 11000 GENERAL SUPPORT 11 0 PART I, LINE 2: DONATIONS ARE ROUTED THROUGH THE COMMUNITY INVOLVEMENT COMMITTEE (CIC) OR THROUGH THE COMMUNICATIONS DEPARTMENT DEPENDING ON THE REQUEST. THE REQUEST IS THEN EVALUATED EITHER BY COMMUNICATIONS OR BY THE CIC DONATIONS SUB-COMMITTEE AND A DETERMINATION MADE AS TO THE AMOUNT TO BE DONATED. EFFECTIVE SEPTEMBER 2012, ALL ACKNOWLEDGEMENTS ARE RETAINED AND RECIPIENTS OF THE DONATIONS RECORDED. X X 1 1 X X X 0 1 0 ALTEPTER CARLA PRESIDENT/CEO 420000 0 77192 0 27074 0 10873 0 9237 0 544376 0 0 0 FERGUSON KELLEY CHIEF INFORMATION OFFICER 176213 0 39948 0 3701 0 4870 0 7677 0 232409 0 0 0 HARTER NANCY CHIEF BRANDING OFFICER 191669 0 46271 0 1241 0 4851 0 7778 0 251810 0 0 0 LEAVER CINDY CHIEF FINANCIAL OFFICER 200222 0 46235 0 2168 0 5799 0 7838 0 262262 0 0 0 LEHN JENNIFER CHIEF OPERATIONS OFFICER 227748 0 36357 0 1343056 0 6020 0 8032 0 1621213 0 0 0 PLANK KENNETH CHIEF LENDING OFFICER 195729 0 22402 0 5113 0 0 0 7821 0 231065 0 0 0 GRABICKI MICHELLE VP BRANCH ADMIN 137310 0 33441 0 0 0 3195 0 7444 0 181390 0 0 0 HANSEN GREG VP OF BUSINESS SERVICES 129614 0 20846 0 2000 0 4574 0 7340 0 164374 0 0 0 RONNFELDT MARY VP OF MARKETING 139652 0 33851 0 6058 0 4726 0 7454 0 191741 0 0 0 STEPHENS ROB VP OF FINANCE 142736 0 10327 0 0 0 4592 0 7378 0 165033 0 0 0 COLTRAIN ERIC FINANCIAL ADVISOR 26000 0 146963 0 0 0 5189 0 6648 0 184800 0 0 0 KELLEY KIMMITH VP CORPORATE CULTURE 121054 0 22770 0 1850 0 3745 0 7357 0 156776 0 0 0 PART I, LINE 1A WELLNESS EXPENSES SUCH AS HEALTH CLUB DUES ARE PROVIDED FOR EXECUTIVE MANAGEMENT AS A BENEFIT. THEIR COMPENSATION IS TAXED APPROPRIATELY FOR THIS BENEFIT. BOARD MEMBERS WHO HAVE COMPANIONS TRAVELING HAVE THESE EXPENSES INCLUDED FOR TAXABLE PURPOSES IN THEIR 1099-MISC. PART I, LINE 4B JENNIFER LEHN, COO, RECEIVED PAYOUT OF HER 457(F) PLAN IN OCTOBER 2013 IN THE AMOUNT OF $1,342,828. ALTEPETER CARLA PRESIDENT/CEO COLLATERALIZED LOAN - CLOSED END X 32670 28471 0 0 1 ALTEPETER CARLA PRESIDENT/CEO MORTGAGE LOAN SERVICING X 562500 520673 0 0 1 BENSON ADAM BOARD OF DIRECTORS COLLATERALIZED LOAN - CLOSED END X 21222 10831 0 0 1 CLARKSCOTT T BOARD OF DIRECTORS COLLATERALIZED LOAN - CLOSED END X 13000 6770 0 0 1 CLARKSCOTT T BOARD OF DIRECTORS NCU SUBSERVICED EQUITY LOAN X 38050 36963 0 0 1 CLARKSCOTT T BOARD OF DIRECTORS COLLATERALIZED LOAN - CLOSED END X 18026 16391 0 0 1 CLARKSCOTT T BOARD OF DIRECTORS NUMERICA SUBSERVICED MORTGAGE X 170000 168369 0 0 1 FERGUSON KELLEY CHIEF INFORMATION OFFICER NUMERICA SUBSERVICED MORTGAGE X 224000 212106 0 0 1 HARMON ROBIN BOARD OF DIRECTORS COLLATERALIZED LOAN - CLOSED END X 48029 47066 0 0 1 HARMON ROBIN BOARD OF DIRECTORS MORTGAGE LOAN SERVICING X 269895 259571 0 0 1 LEAVERCYNTHIA J CHIEF FINANCIAL OFFICER EMPLOYEE COMPUTER LOAN X 1442 1392 0 0 1 LEAVERCYNTHIA J CHIEF FINANCIAL OFFICER MORTGAGE LOAN SERVICING X 123000 116511 0 0 1 LEHNJENNIFER A CHIEF OPERATIONS OFFICER COLLATERALIZED LOAN - CLOSED END X 6651 1168 0 0 1 LEHNJENNIFER A CHIEF OPERATIONS OFFICER COLLATERALIZED LOAN - CLOSED END X 31035 21493 0 0 1 LEHNJENNIFER A CHIEF OPERATIONS OFFICER MORTGAGE LOAN SERVICING X 216000 204311 0 0 1 NIELSEN SUSAN BOARD OF DIRECTORS MORTGAGE LOAN SERVICING X 56000 6767 0 0 1 NORBURY-HARTER NANCY CHIEF BRANDING OFFICER NCU SUBSERVICED EQUITY LOAN X 256000 249077 0 0 1 NORBURY-HARTER NANCY CHIEF BRANDING OFFICER CLG HOME CONSTRUCTION LOAN X 212540 156903 0 0 1 PLUMB SCOTT BOARD OF DIRECTORS COLLATERALIZED LOAN - CLOSED END X 9500 7935 0 0 1 PLUMB SCOTT BOARD OF DIRECTORS COLLATERALIZED LOAN - CLOSED END X 31000 15357 0 0 1 PLUMB SCOTT BOARD OF DIRECTORS 2ND MORTGAGE LOAN-FIXED RATE X 11350 10128 0 0 1 PLUMB SCOTT BOARD OF DIRECTORS UNSECURED-CLOSED END X 17640 17438 0 0 1 PLUMB SCOTT BOARD OF DIRECTORS MORTGAGE LOAN SERVICING X 215650 204731 0 0 1 2320422 FORM 990, PART VI, SECTION A, LINE 6 ORGANIZATION HAS ONE CLASS OF MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A ORGANIZATION'S MEMBERS MAY ELECT ONE OR MORE MEMBERS OF THE GOVERNING BODY. FORM 990, PART VI, SECTION A, LINE 7B ORGANIZATION'S MEMBERS APPROVE DECISIONS OF THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11 FORM 990 IS REVIEWED BY EXECUTIVE MANAGEMENT. FORM 990, PART VI, SECTION B, LINE 12C THERE IS AN ANNUAL CERTIFICATION PROCESS WHERE THE CODE OF ETHICS POLICY FOR VOLUNTEERS IS REVIEWED. FORM 990, PART VI, SECTION B, LINE 15 THE BOARD REVIEWS THE CEO'S CONTRACT ANNUALLY AND USES DATA FROM CUES (CREDIT UNION EXECUTIVE SOCIETY) TO PROVIDE CONTEMPORANEOUS SUBSTANTIATION OF THE DELIBERATION AND DECISIONS. ALL OF THE SALARY RANGES FOR THE ENTIRE ORGANIZATION ARE SET BASED ON SALARY SURVEYS FROM GOODWIN & ASSOCIATES THROUGH A PROGRAM CALLED COMPEASE. THE SURVEYS ARE OF FINANCIAL INSTITUTIONS OF SIMILAR SIZE AND REGION. IN ADDITION, FOR THE EXECUTIVE MANAGEMENT TEAM, WE CONSULT WITH CUES TO DETERMINE WHERE WITHIN THE RANGES THE EXECUTIVES SHOULD BE. THIS IS CONSIDERED ALONG WITH THEIR ANNUAL PERFORMANCE REVIEWS. FORM 990, PART VI, SECTION C, LINE 18 AVAILABLE UPON REQUEST. FORM 990, PART VI, SECTION C, LINE 19 AVAILABLE UPON REQUEST. NUMERICA MEMBER SERVICES INC PO BOX 4000 SPOKANE VALLEY WA 99037 911320629 FINANCIAL PLANNING SERVICE WA NUMERICA CREDIT UNION C 495765 1.00000 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0