2025-10-29T14:04:42-05:00 2024-12-31 390859910 BAKER TILLY ADVISORY GROUP LP 805 SW BROADWAY STE 1400 PORTLAND OR 97205 990 2024-01-01 930243503 UNITUS COMMUNITY CREDIT UNION UNIT 5034238839 7632 SW DURHAM ROAD TIGARD OR 972247584 MICHAEL NAMBA SVP - CHIEF FINANCIAL OFFICER 5034238839 2025-10-28 1 1 WENDY CAMPOS P00448102 5032421447 2025-10-23 2024 2025-03-06 01:10:19Z STEVEN STAPP 7632 SW DURHAM ROAD TIGARD OR 972247584 91743970 0 X WWW.UNITUSCCU.COM X 1937 OR AS A CREDIT UNION DEDICATED TO COMMUNITY DEVELOPMENT, UNITUS IS COMMITTED TO PROMOTING COMMUNITY DEVELOPMENT BY BREAKING DOWN BARRIERS TO ACCESSIBILITY FOR EVERY COMMUNITY AND HOUSEHOLD, IRRESPECTIVE OF THEIR SOCIOECONOMIC STATUS. PART OF THIS COMMITMENT INCLUDES PURPOSEFULLY PROVIDING EDUCATION AND INCLUSIVE ACCESS TO AFFORDABLE CREDIT AND SERVICES TO LOW-INCOME CONSUMERS AND PEOPLE LIVING IN LOCAL LOW-INCOME INVESTMENT AREAS. WE DIRECT OUR SERVICES TO IMPROVING FINANCIAL WELLBEING FOR FAMILIES AND PROMOTING COMMUNITY DEVELOPMENT IN OUR LOCAL LOW-INCOME COMMUNITIES. OUR APPROACH IS CENTERED AROUND INCLUSIVITY, ENSURING THAT WE PROVIDE SUPPORT THROUGHOUT THEIR LIFE'S DEFINING MOMENTS. THIS HOLISTIC APPROACH INSPIRES HOPE AND CONFIDENCE, POSITIONING UNITUS AS A TRUSTED PARTNER WITHIN OUR COMMUNITY. OUR COMMITMENT TO THIS EFFORT AIMS TO CLOSE EQUITY GAPS AND FOSTER FINANCIAL WELL-BEING FOR ALL. 6 6 351 0 684647 247267 0 300000 71903001 79041768 7808970 10771809 698199 737971 80410170 90851548 806759 815579 0 0 33419825 35383847 0 0 0 44046769 52845907 78273353 89045333 2136817 1806215 1723073803 1724397987 1564007399 1559425967 159066404 164972020 TOGETHER WE INSPIRE HOPE BY NAVIGATING THROUGH LIFE'S DEFINING MOMENTS. 0 0 PROVIDE FINANCIAL SERVICES TO 105,388 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. SUPPORT COMMUNITIES IN OUR FIELD OF MEMBERSHIP, INCLUDING CORPORATE PHILANTHROPY. 0 1 1 0 0 0 0 1 1 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 37156 364 1 351 1 1 1 0 0 0 0 0 0 0 X 6 6 0 0 0 0 1 1 0 1 1 0 0 1 1 1 1 1 1 1 1 1 1 OR X MICHAEL NAMBA 5034238839 7632 SW DURHAM ROAD TIGARD OR 97224 MATTHEW MICETIC BOARD CHAIR 3.00 X X 25000 0 0 NICOLE DAVISON LEON BOARD VICE CHAIR 3.00 X X 16000 0 0 RHONDA CRAMER BOARD SECRETARY 3.00 X X 16000 0 0 SOMNATH BANERJEE BOARD DIRECTOR 3.00 X 16000 0 0 TIFFINI MUELLER BOARD DIRECTOR 3.00 X 16000 0 0 FRANK CHINN BOARD DIRECTOR 3.00 X 16000 0 0 DENETTA MONK BOARD DIRECTOR 3.00 X 12533 0 0 LAURA CONROY BOARD DIRECTOR 3.00 X 3467 0 0 STEVEN STAPP PRESIDENT - CHIEF EXECUTIVE OFFICER 40.00 X 645734 0 86166 MICHAEL NAMBA SVP - CHIEF FINANCIAL OFFICER 40.00 X 358717 0 57365 DAVID FEHRER EVP - CHIEF STRATEGY & INNOV OFFICER 40.00 X 358278 0 57365 BRIAN DEVEREUX SVP - CHIEF LENDING OFFICER 40.00 X 306833 0 34950 JESSICA BROWN VP - CHIEF HUMAN RESOURCES OFFICER 40.00 X 229970 0 18484 JAMES ALEXANDER SVP - CHIEF RISK OFFICER 40.00 X 224927 0 41731 KEVIN SMITH VP - INFORMATION TECHNOLOGY 40.00 X 199675 0 37701 RICHARD HIGH AVP - CREDIT ADMINISTRATION 40.00 X 193747 0 26192 WAYNE MATSUMURA VP - BUSINESS LENDING 40.00 X 191213 0 24640 MEGAN SNYDER VP - STRATEGIC PARTNERSHIPS & PM 40.00 X 184096 0 16350 KENNETH RIEDEL VP - OPERATIONS 40.00 X 181282 0 25924 MICHAEL HANSEN VP - MEMBER SERVICES 40.00 X 171778 0 25002 JOHN BACHMAN MGR - INFORMATION TECHNOLOGY 40.00 X 170338 0 24703 CHARLOTTE SEARS VP - MX & PRODUCT MANAGEMENT 40.00 X 166789 0 24241 RONDA WAGNER AVP - CONSUMER LENDING 40.00 X 164128 0 25012 LAWRENCE CAVASSO AVP - CONTROLLER 40.00 X 155572 0 43979 LORI FINK AVP - MARKETING & BRAND DEVELOPMENT 40.00 X 154793 0 23126 AMY OLSON AVP - RESIDENTIAL MORTGAGE LENDING 40.00 X 152189 0 43568 KATHRINE POPOVICH DIRECTOR - PROJECT MANAGEMENT 40.00 X 152739 0 22765 ROSE HALFORD AVP - TRAINING & STRATEGIC IMPL 40.00 X 148955 0 22935 JONATHAN BUHACOFF ASST MGR - SOFTWARE ENGINEERING 40.00 X 147667 0 43384 GRETCHEN GARDNER DIRECTOR - ORG DEVELOPMENT 40.00 X 146104 0 22623 AARON BLEDY DIRECTOR - COMMERCIAL SERVICES 40.00 X 145842 0 37083 JEFFERY SEARS MGR - IT APPLICATION SUPPORT 40.00 X 143036 0 22350 5215402 0 807639 74 0 1 0 MOMENTUM INC 109 BELL STREET STE E SEATTLE WA 98121 CONSTRUCTION COMPANY 12333651 ALKAMI TECHNOLOGY INC 5601 GRANITE PARKWAY SUITE 120 PLANO TX 75024 CLOUD-BASED DIGITAL BANKING SOLUTIONS 1771172 COOK SECURITY GROUP 9225 NE CASCADES PARKWAY PORTLAND OR 97220 SECURITY AND ATM SERVICING 1232230 GUMAS ADVERTISING LLC 99 SHOTWELL STREET SAN FRANCISCO CA 94103 ADVERTISING AND BRAND MARKETING 1225704 MEMBER ACCESS PACIFIC 450 ALASKAN WAY SOUTH STE 246 SEATTLE WA 98106 CARD SERVICES MANAGEMENT 1225513 49 300000 300000 INTEREST ON LOANS 522100 68890482 68890482 SERVICE CHARGES & FEES 522100 14395312 13907544 487768 MORTGAGE BANKING/LOAN 522100 1677734 1677734 DEFERRED LOAN FEE EARN 522100 -5921760 -5921760 79041768 10769831 10769831 1433514 892422 541092 541092 541092 1978 0 1978 1978 1978 PASSTHROUGH INCOME 518210 196879 196879 196879 90851548 78554000 684647 11312901 798079 17500 5204662 21177293 2161504 4216363 2624025 91473 142329 1233535 1962756 2391018 5942645 3095689 71599 4697 24945099 2523311 260811 PROVISION FOR LOAN LOSS 4963121 LOAN SERVICING 1962974 VISA SUPPORT 894441 UBI TAXES 63600 2296809 89045333 178301678 171960498 993347 907112 289061 253153 1261253576 1304712067 2253935 1775299 78345581 23970481 41158544 54375100 187043618 141443181 15473058 15178866 36306986 33792711 1723073803 1724397987 51976232 49380550 0 10000 1512031167 1510035417 1564007399 1559425967 X 0 0 0 0 159066404 164972020 159066404 164972020 1723073803 1724397987 X 1806215 558536 3540865 X 0 1 X 1 0 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 10000 10000 1 CREDIT UNION LEGISLATIVE ACTION FUND PO BOX 1900 BEAVERTON OR 970751900 800043051 10000 PART I-A, LINE 1: THE CREDIT UNION HAS ONLY INDIRECT POLITICAL CAMPAIGN ACTIVITY: A CONTRIBUTION TO THE CREDIT UNION LEGISLATIVE ACTION FUND. 0 0 2505959 75635 4080 2585674 2555721 62039 -111801 2505959 2493724 61997 2555721 1129893 1363831 2493724 1083097 46796 1129893 1.00000 0 0 8778955 8778955 34758492 1472514 33285978 16834916 12010749 4824167 13616900 10487218 3129682 4356318 4356318 54375100 MEMBERS' SHARES 1502063673 LEASE LIABILITIES 7971744 1510035417 X 92091592 558536 558536 91533056 -681508 -681508 90851548 89937755 0 89937755 -892422 -892422 89045333 PART V, LINE 4: FOR FUTURE DONATIONS TO CHARITABLE ORGANIZATIONS PART X, LINE 2: FIN 48 (ASC 740) UNCERTAIN TAX POSITIONS FOOTNOTE - THE CREDIT UNION WOULD RECOGNIZE A TAX BENEFIT FOR UNCERTAIN TAX POSITIONS ONLY IF IT IS MORE LIKELY THAN NOT THAT THE TAX POSITIONS WOULD BE SUSTAINED ON EXAMINATION BY THE TAXING AUTHORITIES, BASED ON TECHNICAL MERITS OF THE POSITION. THE TAX BENEFIT WOULD BE MEASURED BASED ON THE LARGEST BENEFIT THAT HAS A GREATER THAN 50% LIKELIHOOD OF BEING REALIZED UPON ULTIMATE SETTLEMENT. THE CREDIT UNION RECOGNIZES INTEREST ACCRUED AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS AS AN ADMINISTRATIVE EXPENSE. NO INTEREST AND PENALTIES WERE RECOGNIZED FOR THE YEARS ENDED DECEMBER 31, 2024 AND 2023. PART XI, LINE 4B - OTHER ADJUSTMENTS: PASSTHROUGH INCOME 210,914. RENTAL EXPENSES -892,422. PART XII, LINE 4B - OTHER ADJUSTMENTS: RENTAL EXPENSES -892,422. 1 PORTLAND ROSE FESTIVAL FOUNDATION 1020 SW NATIO PARKWAY PORTLAND OR 97204 930333036 501(C)(3) 85000 0 GENERAL SUPPORT OSU DREAM COME TRUE 850 SW 35TH ST CORVALLIS OR 97333 611730890 84942 0 GENERAL SUPPORT GOWEST FOUNDATION 18000 INTERNATIONAL BLVD SEA TAC OR 98188 911649328 501(C)(3) 47750 0 URBAN LEAGUE INITIATIVE AND CU4KIDS AUCTION SUPPORT WORLDWIDE FOUNDATION FOR CREDIT UNIONS PO BOX 2982 MADISON WI 53701 396093210 501(C)(3) 35015 0 BRIDGE THE GAP PROGRAM BRIDGES GAPS IMPACTING CREDIT UNIONS' ABILITY TO GROW AND ADVANCE FINANCIAL INCLUSION WORLDWIDE AND TURKEY EARTHQUAKE RELIEF WORLD OREGON 1207 SW BORADWAY SUITE 300 PORTLAND OR 97205 930568356 501(C)(3) 30000 0 YOUNG LEADERS IN ACTION PROGRAM THAT EDUCATES PORTLAND METRO STUDENTS IN LEADERSHIP SKILLS SCHOLARSHIP AMERICA INC 7900 INTERNATIONAL DR SUITE 500 MINNEAPOLIS MN 55425 042296967 501(C)(3) 27000 0 GENERAL SUPPORT WESTERN OREGON UNIVERSITY 345 N MONMOUTH AVE MONMOUTH OR 97361 936001786 GOV 25000 0 TO SUPPORT EDUCATIONAL ADVANCEMENT SCHOLARSHIPS AND PROGRAMS MARION POLK FOOD SHARE INC 1660 SALEM INDUSTRIAL DR NE SALEM OR 97301 943034161 501(C)(3) 25000 0 TO FIGHT HUNGER BY PROVIDING FOOD RESOURCES ACROSS THE REGION THE WETLANDS CONSERVANCY 2540 NE MLK JR PORTLAND OR 97212 930797197 501(C)(3) 25000 0 TO PROTECT, RESTORE, AND ENHANCE OREGON'S WETLANDS AND NATURAL HABITATS OREGON HUMAN DEVELOPMENT CORPORATION 500 NW 20TH ST SUITE 100 GRESHAM OR 97030 931150042 501(C)(3) 25000 0 TO DELIVER HUMAN SERVICES TOR LOW-INCOME AND MIGRANTS INDIVIDUALS AND FAMILIES BIENESTAR INC PO BOX 665 HILLSBORO OR 97123 930860753 501(C)(3) 25000 0 TO PROMOTE AFFORADABLE HOUSING, HOMEOWNERSHIP OPPORTUNITIES, AND ECONOMIC STABILITY FOR FAMILIES IN THE COMMUNITY IMMIGRANT AND REFUGEE COMMUNITY ORG 10301 NE GLISAN ST PORTLAND OR 97220 930806295 501(C)(3) 25000 0 TO STRENGTHEN FAMILIES, EMPOWER YOUTH, AND ASSIT IMMIGRANT AND REFUGEE COMMUNITIES BUSINESS IMPACT NW 12720 GATEWAY DR S SUITE 207 TUKWILA WA 98168 911764008 501(C)(3) 25000 0 TO PROMOTE LOCAL ECONOMIC GROWTH AND SMALL BUSINESS DEVELOPMENT WITHIN THE COMMUNITY JUNIOR ACHIEVEMENT OF OR & SW WA 7830 SE FOSTER RD PORTLAND OR 97206 930384007 501(C)(3) 25000 0 JA BIZTOWN PROGRAM TO SUPPORT 5TH GRADE ECONOMICS PRINCIPLES LATINO NETWORK 410 NE 18TH AVE PORTLAND OR 97232 731675402 501(C)(3) 25000 0 TO STRENGTHEN LATINO FAMILIES, EMPOWER YOUTH THROUGH EDUCATION AND ASSIST IMMIGRANT COMMUNITIES WITH COMMUNITY SERVICE AND ENGAGEMENT DEVNW 212 MAIN ST SPRINGFIELD OR 97477 931057296 501(C)(3) 17500 0 THE DEVNW PROGRAM MAKES AN IMPACT IN THE AFFORDABLE HOUSING NEEDS OF OUR COMMUNITIES NATIONAL CREDIT UNION FOUNDATION PO BOX 78880 MILWAUKIEE WI 53278 391383650 501(C)(3) 13000 0 IMPACTGRANT RENEWAL AND CUAID DONATION FOR HAWAII WILDFIRES BRIDGE IN THE GAP WORLDWIDE 3980 BETHANIA LOT DR APT 202 WINSTON SALEM NC 27106 933592016 501(C)(3) 10000 0 GENERAL SUPPORT COMMUNITY VISION 2475 SE LADD AVE SUITE 240 PORTLAND OR 97214 201288169 501(C)(3) 10000 0 PARTY FOR POSSIBILITIES, AN EMPOWERMENT SPONSORSHIP SUPPORTING PEOPLE WITH DISABILITIES IMMIGRANT AND REFUGEE COMMUNITY ORG 10301 NE GLISAN ST PORTLAND OR 97220 930806295 501(C)(3) 10000 0 DONATION FOR UKRAINE REFUGEES AMERICAN ONLINE GIVING FOUNDATION 40 EAST MAIN ST SUITE 887 NEWARK DE 19711 810739440 501(C)(3) 9749 0 FUNDS PROVIDED FOR EMPLOYEES TO DONATE TO A 501(C)(3) OF THEIR CHOOSING AND CU4KIDS EMPLOYEE DONATION MATCH 20 1 ACADEMIC SCHOLARSHIPS - BASED ON GPA OF DEMONSTRATED POTENTIAL IN CHOSEN FIELD AND COMMUNITY INVOLVEMENT 7 17500 PART I, LINE 2: THE CREDIT UNION SENDS SCHOLARSHIP RECIPIENTS A NOTICE OF AWARD SPECIFYING THE TERMS OF THE SCHOLARSHIP AWARD, WHICH THE RECIPIENT IS REQUIRED TO SIGN AND RETURN TO THE ORGANIZATION. THE CREDIT UNION WILL THEN SEND A CHECK DIRECTLY TO THE FINANCIAL AID OFFICE OF THE INSTITUTION TO BE ATTENDED. THE FINANCIAL AID OFFICE WILL DISBURSE THE FUNDS IN PAYMENT OF FEES OR OTHER CHARGES UPON VERIFICATION AS A FULL-TIME STUDENT. REFUNDS RESULTING FROM A STUDENT'S FAILURE TO COMPLETE A FULL STUDY PERIOD WILL BE RETURNED TO THE CREDIT UNION FOR DEPOSIT IN THE SCHOLARSHIP ACCOUNT. X X 1 1 X X X X 0 1 0 STEVEN STAPP PRESIDENT - CHIEF EXECUTIVE OFFICER 502395 0 0 0 143339 0 49342 0 36824 0 731900 0 131339 0 MICHAEL NAMBA SVP - CHIEF FINANCIAL OFFICER 341604 0 0 0 17113 0 26400 0 30965 0 416082 0 17113 0 DAVID FEHRER EVP - CHIEF STRATEGY & INNOV OFFICER 340928 0 0 0 17350 0 26400 0 30965 0 415643 0 17350 0 BRIAN DEVEREUX SVP - CHIEF LENDING OFFICER 291808 0 0 0 15025 0 22612 0 12338 0 341783 0 14995 0 JAMES ALEXANDER SVP - CHIEF RISK OFFICER 213834 0 0 0 11093 0 18388 0 23343 0 266658 0 11093 0 JESSICA BROWN VP - CHIEF HUMAN RESOURCES OFFICER 229970 0 0 0 0 0 18484 0 0 0 248454 0 0 0 KEVIN SMITH VP - INFORMATION TECHNOLOGY 199675 0 0 0 0 0 14358 0 23343 0 237376 0 0 0 RICHARD HIGH AVP - CREDIT ADMINISTRATION 193747 0 0 0 0 0 15095 0 11097 0 219939 0 0 0 WAYNE MATSUMURA VP - BUSINESS LENDING 191213 0 0 0 0 0 12874 0 11766 0 215853 0 0 0 KENNETH RIEDEL VP - OPERATIONS 181282 0 0 0 0 0 13586 0 12338 0 207206 0 0 0 MEGAN SNYDER VP - STRATEGIC PARTNERSHIPS & PM 184096 0 0 0 0 0 14712 0 1638 0 200446 0 0 0 LAWRENCE CAVASSO AVP - CONTROLLER 155572 0 0 0 0 0 13014 0 30965 0 199551 0 0 0 MICHAEL HANSEN VP - MEMBER SERVICES 171778 0 0 0 0 0 13905 0 11097 0 196780 0 0 0 AMY OLSON AVP - RESIDENTIAL MORTGAGE LENDING 152189 0 0 0 0 0 12603 0 30965 0 195757 0 0 0 JOHN BACHMAN MGR - INFORMATION TECHNOLOGY 169538 0 800 0 0 0 13606 0 11097 0 195041 0 0 0 JONATHAN BUHACOFF ASST MGR - SOFTWARE ENGINEERING 146867 0 800 0 0 0 12419 0 30965 0 191051 0 0 0 CHARLOTTE SEARS VP - MX & PRODUCT MANAGEMENT 166789 0 0 0 0 0 13144 0 11097 0 191030 0 0 0 RONDA WAGNER AVP - CONSUMER LENDING 164128 0 0 0 0 0 12798 0 12214 0 189140 0 0 0 AARON BLEDY DIRECTOR - COMMERCIAL SERVICES 145042 0 800 0 0 0 6118 0 30965 0 182925 0 0 0 LORI FINK AVP - MARKETING & BRAND DEVELOPMENT 154793 0 0 0 0 0 12029 0 11097 0 177919 0 0 0 KATHRINE POPOVICH DIRECTOR - PROJECT MANAGEMENT 151939 0 800 0 0 0 11668 0 11097 0 175504 0 0 0 ROSE HALFORD AVP - TRAINING & STRATEGIC IMPL 148955 0 0 0 0 0 11838 0 11097 0 171890 0 0 0 GRETCHEN GARDNER DIRECTOR - ORG DEVELOPMENT 145304 0 800 0 0 0 11526 0 11097 0 168727 0 0 0 JEFFERY SEARS MGR - IT APPLICATION SUPPORT 142236 0 800 0 0 0 11253 0 11097 0 165386 0 0 0 PART I, LINE 1A BOARD MEMBERS BRING SPOUSES TO THE GAC CONFERENCE EACH YEAR. ADDITIONALLY, THE CREDIT UNION PAYS MEMBERSHIP FEES FOR UNIVERSITY CLUB FOR THE PRESIDENT. THESE ITEMS WERE NOT INCLUDED IN TAXABLE INCOME. PART I, LINE 4B THE CREDIT UNION AT TIMES ENTERS INTO 457(F) DEFERRED COMPENSATION AGREEMENTS WITH MEMBERS OF EXECUTIVE MANAGEMENT THAT PROVIDE BENEFITS PAYABLE TO PARTICIPANTS BASED ON VARYING CONDITIONS, TYPICALLY LENGTH OF SERVICE. BENEFITS ARE SUBJECT TO FORFEITURE IF EMPLOYMENT IS TERMINATED FOR CAUSE AS DEFINED IN THE AGREEMENTS. IN 2024, STEVEN STRAPP PARTICIPATED IN A SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN. UNITUS CONTRIBUTED $22,942 TO THE PLAN WHICH IS INCLUDED IN THEIR DEFERRED COMPENSATION REPORTED ON SCHEDULE J, PART II. BRIAN DEVEREUX CHIEF LENDING OFFICER AUTO X 24283 0 0 1 1 CORLINDA WOODEN CHIEF RETAIL OFFICER AUTO X 41891 0 0 1 1 CORLINDA WOODEN CHIEF RETAIL OFFICER AUTO X 15000 0 0 1 1 JAMES ALEXANDER CHIEF RISK OFFICER MORTGAGE X 278150 183905 0 1 1 JAMES ALEXANDER CHIEF RISK OFFICER RV X 50954 40208 0 1 1 JAMES ALEXANDER CHIEF RISK OFFICER EQUITY PLUS X 0 29040 0 1 1 253153 FORM 990, PART VI, SECTION A, LINE 6 CREDIT UNION MEMBERS WITH PRIME SHARE ACCOUNTS ARE ABLE TO VOTE AND VOLUNTEER FOR THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION A, LINE 7A CREDIT UNION MEMBERS ARE ENTITLED TO ONE VOTE EACH IN ELECTIONS OF THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 11B THE FINANCE MANAGER REVIEWS ALL ENTRIES TO FORM 990 BY COMPARING THE ENTRIES TO BOOKS OF THE CORPORATION. THE CFO AND PRESIDENT ALSO THEN REVIEW FORM 990 BEFORE FILING. THE EXECUTIVE COMMITTEE OF THE BOARD OF DIRECTORS PERFORMS A FINAL REVIEW, AND A COPY OF FORM 990 IS PROVIDED TO ALL BOARD MEMBERS BEFORE THE FORM IS FILED. FORM 990, PART VI, SECTION B, LINE 12C A BOARD-APPROVED STANDARDS OF CONFLICT POLICY EXISTS TO ADDRESS ACTUAL OR PERCEIVED CONFLICTS OF INTEREST. THE POLICY APPLIES TO ALL EMPLOYEES AND THE BOARD/OFFICIAL FAMILY. CONFLICTS OF INTEREST ARE REPORTED AND HANDLED BY THE CHIEF RISK OFFICER, CHIEF EXECUTIVE OFFICER, OR BOARD CHAIRPERSON DEPENDING ON WHO IS INVOLVED IN THE CONFLICT. CONFLICTS OF INTEREST ARE GENERALLY AVOIDED AND THE APPROPRIATE COURSE OF ACTION IS DETERMINED BASED ON THE SITUATION. FORM 990, PART VI, SECTION B, LINE 15 THE PEOPLE & CULTURE DEPARTMENT HIRES AN OUTSIDE CONSULTANT TO PERFORM A MARKET SURVEY FOR THE CEO COMPENSATION PACKAGE. THE RESULTS ARE THEN COMPILED AND A RECOMMENDATION IS PRESENTED TO THE EXECUTIVE COMMITTEE. RECOMMENDATIONS CONFORM TO A BOARD-APPROVED COMPENSATION PHILOSOPHY. THE HUMAN RESOURCES DEPARTMENT HIRES AN OUTSIDE CONSULTANT TO PERFORM A MARKET SURVEY FOR OFFICER AND OTHER KEY EMPLOYEE COMPENSATION PACKAGES. THE RESULTS ARE THEN COMPILED AND ARE SUBJECT TO APPROVAL BY THE CEO. RECOMMENDATIONS CONFORM TO A BOARD-APPROVED COMPENSATION PHILOSOPHY. THESE PROCESSES ARE UNDERTAKEN ANNUALLY EACH FEBRUARY. FORM 990, PART VI, SECTION C, LINE 19 A PAPER COPY OF THE AUDITED FINANCIAL STATEMENTS MAY BE VIEWED IN THE FINANCE DEPARTMENT AT AN INDIVIDUAL'S REQUEST. ADDITIONALLY, ANNUAL REPORTS ARE AVAILABLE VIA THE CREDIT UNION'S WEBSITE. GOVERNING DOCUMENTS AND THE CONFLICT OF INTEREST POLICY ARE NOT MADE AVAILABLE TO THE PUBLIC. FORM 990, PART XI, LINE 9: PASSTHROUGH INCOME -210,914. OTHER COMPREHENSIVE INCOME 3,751,779.