2012-11-15T09:11:13-06:00 2011-12-31 420714325 MCGLADREY LLP 801 NICOLLET MALL SUITE 1100 MINNEAPOLIS MN 55402 990 2011-01-01 951797779 ORANGE COUNTY'S CREDIT UNION ORAN 7147555900 PO BOX 11777 SANTA ANA CA 92711 GREG KRAUSE 7147555900 2012-11-19 1 GERALD B KISSELL P00092658 6123324300 2011 2016-02-24 21:20:13Z SHRUTI MIYASHIRO PO BOX 11777 SANTA ANA CA 92711 48070532 0 1526 X WWW.ORANGECOUNTYSCU.ORG X 1938 CA OUR MISSION IS TO MAINTAIN FINANCIAL STRENGTH IN ORDER TO PROVIDE CONVENIENT ACCESS, EXCEPTIONAL SERVICE, AND FINANCIAL SOLUTIONS, MEETING THE UNIQUE NEEDS OF OUR DIVERSE MEMBERSHIP AND COMMUNITIES. 7 7 310 6 2889226 -555530 0 0 44742108 42993836 6278690 5076696 0 0 51020798 48070532 2000 4000 7301387 5586996 16837475 16922383 0 0 0 22977880 20555873 47118742 43069252 3902056 5001280 950692134 988421132 868386302 897955279 82305832 90465853 WE ARE A CALIFORNIA STATE CHARTERED CREDIT UNION THAT IS EXEMPT FROM CALIFORNIA FRANCHISE OR INCOME TAX UNDER REVENUE AND TAXATION CODE (R&TC) SECTION 23701Y. 0 0 ORANGE COUNTY'S CREDIT UNION OFFERS THE FOLLOWING LOAN PRODUCTS TO OUR MEMBERS: AUTOMOBILE, MORTGAGE, OTHER SECURED, UNSECURED, AND COMMERCIAL. AS OF DECEMBER 31, 2011 OUR LOAN PORTFOLIO HAD 26,914 LOANS OUTSTANDING TOTALLING $506.6 MILLION. ORANGE COUNTY'S CREDIT UNION OFFERS THE FOLLOWING SHARES ACCOUNTS TO OUR RETAIL AND COMMERICAL MEMBERSHIP: SAVINGS, CHECKING, MONEY MARKET, IRA, CERTIFICATE OF DEPOSIT, AND INVESTMENT SERVICES. AS OF DECEMBER 31, 2011 WE HAD 158,675 ACCOUNTS TOTALLING $878.6 MILLION. 0 0 1 0 0 0 0 1 0 1 0 1 0 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 1 19711 0 310 1 1 1 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 CA X GREG KRAUSE CFO 7147555900 PO BOX 11777 SANTA ANA CA 92711 DAN DILLON 1.00 X X 0 0 0 WALT KRAUSE 1.00 X X 0 0 0 GARY BURTON 1.00 X X 0 0 0 FRANK KIM 1.00 X X 0 0 0 CHRIS CHASE 1.00 X 0 0 0 MIKE JENSEN 1.00 X 0 0 0 VIKKI BEATLEY 1.00 X 0 0 0 SHRUTI MIYASHIRO 40.00 X 354325 0 165253 ROBERT GREGORY KRAUSE 40.00 X 205001 0 21882 LYNDA LEE SAVOIT 40.00 X 162710 0 21609 GARY DUANE REBENSDORF 40.00 X 176716 0 26637 LAURA THOMPSON 40.00 X 148959 0 20878 WARREN JEFFREY HARPER 40.00 X 133178 0 40365 DAHL ANN ROBINSON 40.00 X 120778 0 18745 LESLIE ANN NGUYEN 40.00 X 108418 0 17942 1410085 0 333311 12 0 1 0 JACK HENRY & ASSOCIATES INC 663 W HIGHWAY 60 MONETT MO 657088215 CORE SOFTWARE SYSTEMS 974988 FINANCIAL TECHNOLOGY SOLUTIONS INTERNATI 406 E HUNTINGTON DRIVE SUITE 100 MONROVIA CA 91016 ATM SERVICE AND MAINTENANCE 737972 BUSINESS DATA INCORPORATED 321 NORTH OAK STREET INGLEWOOD CA 90302 MAILING SERVICES FOR MEMBER STATEMENTS 479995 DIGITAL INSIGHT CORPORATION (INTUIT) 21215 BURBANK BOULEVARD SUITE 100 WOODLAND HILLS CA 91367 ONLINE FINANCIAL MANAGEMENT 411126 XP SYSTEMS (FISERV) 255 FISERV DRIVE BROOKFIELD WI 53045 CORE SOFTWARE SYSTEMS 311019 28 LOAN SERVICES 522100 29607901 29607901 OTHER 522100 7533020 4643794 2889226 FEES AND CHARGES 522100 5852915 5852915 42993836 4789565 4789565 287131 0 287131 287131 287131 48070532 40104610 2889226 5076696 4000 5586996 930780 12588673 727011 1609921 1065998 364124 70074 141996 10303 82189 845812 1613263 1357985 1890404 110867 51198 546158 66365 1230999 2280372 OPERATIONS 4352298 PROVISION FOR LOAN LOSS 3646422 LOAN SERVICING 1427385 GAIN/LOSS 284879 182780 43069252 122122881 135438915 2375935 2622657 483217823 493050590 36359855 13508949 22384688 22850906 294835642 307627657 25755165 26830407 950692134 988421132 2081573 2668180 350618 434308 14750000 17250000 851204111 877602791 868386302 897955279 X 0 0 0 0 82305832 90465853 82305832 90465853 950692134 988421132 X 5001280 3158741 X 0 1 1 X 0 3000 0 3000 3000 1 CALIFORNIA CREDIT UNION LEAGUE 120 K STREET SUITE 150 SACRAMENTO CA 95814 942329967 3000 ORGANIZATIONS DIRECT AND INDIRECT POLITICAL CAMPAIGN ACTIVITIES: PART I-A, LINE 1: OCCU MADE AN CONTRIBUTION TO THE CALIFORNIA CREDIT UNION LEAGUE POLITICAL ACTION COMMITTEE (PAC). THEIR PURPOSE IS TO SUPPORT CANDIDATES WHO SUPPORT CREDIT UNIONS. 0 1 4853741 4853741 17938834 4012029 13926805 3772005 2933838 838167 7430029 5578870 1851159 2365246 984212 1381034 22850906 INVESTMENT SECURITIES 307627657 F 307627657 MEMBER SHARE AND SAVINGS ACCOUNTS 877602791 877602791 48070532 43069252 5001280 3158741 3158741 8160021 PART IV, LINE 2B: THE CREDIT UNION HOLDS FUNDS IN ESCROW RELATED TO THE MORTGAGE LOANS OUTSTANDING. PART XI, LINE 8 - OTHER ADJUSTMENTS: CHANGE IN UNREALIZED GAIN ON AFS 3,158,741. X X X X X 0 0 0 SHRUTI MIYASHIRO 350077 0 0 0 4248 0 130378 0 34875 0 519578 0 0 0 ROBERT GREGORY KRAUSE 197516 0 0 0 7485 0 15801 0 6081 0 226883 0 0 0 LYNDA LEE SAVOIT 159047 0 0 0 3663 0 12724 0 8885 0 184319 0 0 0 GARY DUANE REBENSDORF 141081 0 35635 0 0 0 15026 0 11611 0 203353 0 0 0 LAURA THOMPSON 144405 0 0 0 4554 0 11553 0 9325 0 169837 0 0 0 WARREN JEFFREY HARPER 133178 0 0 0 0 0 11183 0 29182 0 173543 0 0 0 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 INFORMATION TO COMPLETE FORM 990 IS PREPARED BY THE CONTROLLER, REVIEWED BY THE CFO, AND SUBMITTED TO CPA FOR COMPLETION. THE BOARD OF DIRECTORS REVIEWS FORM 990 PRIOR TO FILING WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C OUR CONFLICT OF INTEREST POLICIES ARE POSTED ON THE CREDIT UNION'S INTRANET, AND ARE SIGNED BY EACH EMPLOYEE UPON EMPLOYMENT. IF WE HEAR OF A SITUATION WE TAKE ACTION. FORM 990, PART VI, SECTION B, LINE 15 OUR HR TEAM PARTICIPATES IN AT LEAST 3 SALARY SURVEYS AND ANALYZES THE DATA. PERSONNEL COMMITTEE APPROVES THE CEO SALARY. THE CEO AND VP OF HR APPROVE THE ANNUAL SALARY RANGES AND ADJUSTMENTS FOR OTHER OFFICES AND KEY EMPLOYEES. FORM 990, PART VI, SECTION C, LINE 19 AUDITED ANNUAL FINANCIAL STATEMENTS ARE PUBLISHED ON OUR WEB-SITE, AND INTERNAL MONTHLY STATEMENTS ARE POSTED AT OUR BRANCH LOCATIONS. BY LAW THE ARTICLES OF INCORPORATION ARE AVAILABLE UPON REQUEST. CONFLICTS OF INTEREST POLICIES ARE NOT MADE AVAILABLE TO THE PUBLIC. CHANGES IN NET ASSETS OR FUND BALANCES: FORM 990, PART XI, LINE 5: CHANGE IN UNREALIZED GAIN ON AFS 3,158,741. TOTAL TO FORM 990, PART XI, LINE 5: 3,158,741. ORANGE COUNTY'S GROUP INC (DISSOLVED 33111) 1701 E ST ANDREW PLACE SANTA ANA CA 92705 330282267 INSURANCE PRODUCT SALES CA ORANGE COUNTY CREDIT UNION C 1.00000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1