2013-10-31T11:24:31-05:00 2012-12-31 741650885 PADGETT STRATEMANN & CO LLP 811 BARTON SPRINGS ROAD SUITE 550 AUSTIN TX 78704 990 2012-01-01 850124035 DEL NORTE CREDIT UNION DELN 5054555445 PO BOX 1180 LOS ALAMOS NM 87544 JOHN MOLENDA 5054555445 2013-10-30 1 KEVIN FINCHER CPA P00291599 5124760717 2012 2016-03-07 17:11:31Z JOHN MOLENDA 3286 CERRILLOS RD SANTA FE NM 87507 20192776 0 X WWW.DNCU.ORG X 1954 NM DEL NORTE CREDIT UNION (DNCU) OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES. 9 9 137 15 54976 0 0 0 19474429 19850272 0 28419 0 0 19474429 19878691 0 0 0 0 6249489 6489034 0 0 0 10634819 9469071 16884308 15958105 2590121 3920586 401697989 435426192 356100264 385998596 45597725 49427596 DEL NORTE CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES. 0 0 THE CREDIT UNION PROVIDES DRAFT AND SHARE ACCOUNTS, CONSUMER LOANS, SHARE CERTIFICATES, AND OTHER EXEMPT FUNCTION ACTIVITIES TO ITS MEMBERS. 0 0 0 0 0 0 0 0 0 1 0 1 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 1 8877 0 1 137 1 1 1 0 0 0 0 0 X 9 9 0 0 0 0 1 1 0 1 1 0 1 1 0 1 1 1 1 1 1 0 1 1 X DEBRA CHAVEZ 5054555445 3286 CERRILLOS RD SANTA FE NM 87507 LUIS ALBA 1.00 X 0 0 0 ART SALGADO 1.00 X 0 0 0 DELIA CISNEROS 1.00 X 0 0 0 DOUG FRASER 1.00 X 0 0 0 JULIE FELDMAN 1.00 X 0 0 0 CLYDE LEYBA 1.00 X 0 0 0 BENITO SALAZAR 1.00 X 0 0 0 LILLIEMAE ORTIZ 1.00 X 0 0 0 LEVI LOPEZ 1.00 X 0 0 0 DAVID LEE 1.00 X 0 0 0 LEN MONTOYA 1.00 X 0 0 0 GEORGE BEST 1.00 X 0 0 0 ROGER STUTZ 1.00 X 0 0 0 IVIE VIGIL 1.00 X 0 0 0 GARY LEE 1.00 X 0 0 0 DON CLOSE 1.00 X 0 0 0 CHUCK VALENTI 40.00 X 262617 0 32466 JOHN MOLENDA 40.00 X 201688 0 17088 STEVE LEUGERS 40.00 X 24300 0 1089 DENISE WYMORE 40.00 X 80507 0 15591 JOLENE ALLEN 40.00 X 78575 0 8176 KIM CURRIE 40.00 X 84011 0 20955 JIMI MONTOYA 40.00 X 124928 0 11367 856626 0 106732 3 0 1 0 PSCU FINANCIAL SERVICES 560 CARILLON PARKWAY ST PETERSBURG FL 33716 CREDIT CARD PROCESSING COMPANY/DIGITAL D 1197420 FISERVE DBA USERS INC 75 REMITTANCE DRIVE SUITE 6962 CHICACO IL 60523 CORE PROCESSOR MONTHLY MAINTENANCE 425722 INTUIT PO BOX 515306 LOS ANGELES CA 90051 MOBILE BANKING MAINTENANCE AND SUPPORT 254993 SAFETYNET WORKS INC DBA MVD EXPRESS 850 ST MICHAELS DRIVE SANTA FE NM 87505 OBTAINING TITLES AND FEES 129428 VISA PO BOX 742233 LOS ANGELES CA 90074 CREDIT CARD PROCESSING COMPANY 127305 7 PROGRAM SERVICE REVENUE 511110 19795296 19795296 UNRELATED BUSINESS INCOME 523930 54976 54976 19850272 342504 314085 28419 28419 28419 19878691 19823715 54976 0 963359 3533757 405040 1174439 412439 55544 141891 451567 416325 1429210 581616 97059 117142 1483760 795714 146020 PROVISION FOR LOAN LOSS 1293770 OPERATIONS 1152134 LOAN SERVICING EXPENSE 955822 MISCELLANEOUS NON-OPERA 351497 15958105 111733786 118903872 8358025 7922564 235008458 258107705 305303 437536 20938745 6658958 14842221 14279787 26450223 30444776 4999973 5329952 401697989 435426192 2421347 2557796 353678917 383440800 356100264 385998596 X 0 0 0 0 45597725 49427596 45597725 49427596 401697989 435426192 X 3920586 -901 -89814 X X 0 1 X 1 0 2870559 2870559 12816363 2504694 10311669 492695 421170 71525 4759128 3733094 1026034 14279787 OTHER INVESTMENTS - PROGRAM RELATED 30444776 C 30444776 DEFERRED CREDITS 2225 IRA REGULAR SHARES 11174036 IRA SHARE CERTIFICATES 8912877 OTHER LIABILITIES 4367849 REGULAR SHARE CERTIFICATES 78350804 SHARE DRAFT ACCOUNTS 33179555 SHARES 247453454 383440800 X 1 1 X 0 1 0 CHUCK VALENTI 262617 0 0 0 0 0 18866 0 13600 0 295083 0 0 0 JOHN MOLENDA 201688 0 0 0 0 0 14673 0 2415 0 218776 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION HAS MEMBERS. THE CAPITAL OF DNCU SHALL CONSIST OF SHARE ACCOUNTS, MEMBERSHIP SHARES, RESERVES, AND UNDIVIDED EARNINGS. MEMBERSHIP SHARES SHALL HAVE A PAR VALUE OF $5.00. FORM 990, PART VI, SECTION A, LINE 7A IN ALL ELECTIONS EACH MEMBER IN GOOD STANDING SHALL HAVE ONE VOTE RESPECTIVE OF THE NUMBER OF SHARES OR ACCOUNTS HELD BY HIM, HER, OR IT. ELIGIBILITY TO VOTE SHALL BE DETERMINED BY THE FEDERAL TAX IDENTIFICATION NUMBER OF EACH ACCOUNT. MEMBERS WITH MULTIPLE ACCOUNTS WITH THE SAME FEDERAL TAX IDENTIFICATION NUMBER SHALL ONLY BE ENTITLED TO ONE VOTE. ONLY THE PERSON OR ENTITY WHOSE FEDERAL TAX ID NUMBER APPEARS ON THE ACCOUNT MAY VOTE. IF A MEMBER IS A NATURAL PERSON, HE/SHE MUST BE 18 YEARS OF AGE OR OLDER ON THE DATE OF THE ANNUAL MEETING TO VOTE. FORM 990, PART VI, SECTION B, LINE 11 THE CEO AND EVP REVIEW THE RETURNS BEFORE THEY ARE FILED AND THEN SIGNED BY THE EVP. FORM 990, PART VI, SECTION B, LINE 12C A FORM IS FILLED OUT ANNUALLY BY ECH EMPLOYEE AND KEPT IN THE EMPLOYEE FILE. FORM 990, PART VI, SECTION B, LINE 15A THE BOARD MAY HIRE A CHIEF EXECUTIVE OFFICER RESPONSIBLE FOR THE MANAGEMENT OF DEL NORTE CREDIT UNION. SAID CHIEF EXECUTIVE OFFICER SHALL BE KNOWN AS THE PRESIDENT/CHIEF EXECUTIVE OFFICER (CEO). THE PRESIDENT/CEO SHALL NOT BE A MEMBER OF THE BOARD. THE PRESIDENT/CEO SHALL SERVE AT THE DISCRETION OF THE BOARD AND BE SUBJECT TO THE DIRECTION AND APPROVAL OF THE BOARD. THE PRESIDENT/CEO SHALL REPORT AND BE RESPONSIBLE TO THE BOARD. THE CEO DETERMINES KEY EMPLOYEES SALARIES WHICH ARE REVIEWED ANNUALLY. FORM 990, PART VI, SECTION C, LINE 19 MONTHLY FINANCIAL STATEMENTS ARE POSTED ON THE DNCU.ORG WEBSITE FOR THE PUBLIC TO VIEW. CHANGES IN NET ASSETS OR FUND BALANCES: FORM 990, PART XI, LINE 9: OTHER COMPREHENSIVE INCOME -45,653. REAL ESTATE WRITE DOWNS -44,161. FORM 990, PART XII, LINE 2C: THE FINANCIAL STATEMENTS ARE AUDITED EVERY YEAR ENDING MARCH 31ST BY NEARMAN CPA'S. 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