Civic Intelligence

Sound Credit Union

990 • Fiscal year 2019 • EIN 91-0557925

Jan 01, 2019 to Dec 31, 2019 • Filed on Oct 05, 2020

Organization ProfileWWW.SOUNDCU.COM

View Organization Page

PO Box 1595Tacoma, WA 98401

(253) 597-7603

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

28th percentile

0.88x

Higher debt load relative to assets than 28% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Liabilities / Revenue

41st percentile

16.74x

Higher debt load relative to revenue than 41% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Net Margin

66th percentile

20%

Higher net margin than 66% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Top Officer Pay

85th percentile

$1,865,665

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Asset Growth

97th percentile

20%

Faster asset growth than 97% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Revenue Growth

94th percentile

22%

Faster revenue growth than 94% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets28th percentile

Assets

Up

$1,840,118,126

Up $307,921,399 (+20%) from 2018

Net Assets

Up

$222,941,788

Up $19,607,558 (+9.6%) from 2018

Liabilities

Up

$1,617,176,338

Up $288,313,841 (+22%) from 2018

Revenue And Expenses
Liabilities / Revenue41st percentileNet Margin66th percentile

Revenue

Up

$96,634,060

Up $17,305,768 (+22%) from 2018

Expenses

Up

$77,693,999

Up $19,482,015 (+33%) from 2018

Net Income

Down

$18,940,061

Down $2,176,247 (-10%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth97th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$4.0B$3.0B$2.0B$1.0B$0Assets 2010: $544,191,702Liabilities 2010: $490,356,444Net Assets 2010: $53,835,2582010Assets 2011: $1,038,302,758Liabilities 2011: $962,097,465Net Assets 2011: $76,205,2932011Assets 2012: $1,070,060,077Liabilities 2012: $975,095,418Net Assets 2012: $94,964,6592012Assets 2013: $1,085,325,460Liabilities 2013: $974,030,887Net Assets 2013: $111,294,5732013Assets 2014: $1,153,990,675Liabilities 2014: $1,026,134,290Net Assets 2014: $127,856,3852014Assets 2015: $1,256,874,069Liabilities 2015: $1,112,323,908Net Assets 2015: $144,550,1612015Assets 2016: $1,379,598,394Liabilities 2016: $1,217,275,643Net Assets 2016: $162,322,7512016Assets 2017: $1,461,043,189Liabilities 2017: $1,278,741,594Net Assets 2017: $182,301,5952017Assets 2018: $1,532,196,727Liabilities 2018: $1,328,862,497Net Assets 2018: $203,334,2302018Assets 2019: $1,840,118,126Liabilities 2019: $1,617,176,338Net Assets 2019: $222,941,7882019Assets 2020: $2,219,039,629Liabilities 2020: $1,976,025,190Net Assets 2020: $243,014,4392020Assets 2021: $2,549,084,611Liabilities 2021: $2,284,586,056Net Assets 2021: $264,498,5552021Assets 2022: $2,699,695,858Liabilities 2022: $2,431,136,934Net Assets 2022: $268,558,9242022Assets 2023: $2,910,727,295Liabilities 2023: $2,622,199,081Net Assets 2023: $288,528,2142023Assets 2024: $3,072,228,160Liabilities 2024: $2,768,305,024Net Assets 2024: $303,923,1362024

Highlighted filing

2019

Assets$1,840,118,126
Liabilities$1,617,176,338
Net Assets$222,941,788
Open 2019 Filing

Operations Trend

Revenue Growth94th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$200M$150M$100M$50M$0Expenses 2010: $28,360,2792010Expenses 2011: $33,167,6992011Expenses 2012: $40,852,0752012Revenue 2013: $55,344,996Expenses 2013: $37,681,955Net Income 2013: $17,663,0412013Revenue 2014: $53,561,686Expenses 2014: $38,583,453Net Income 2014: $14,978,2332014Revenue 2015: $60,775,351Expenses 2015: $44,480,484Net Income 2015: $16,294,8672015Revenue 2016: $66,334,640Expenses 2016: $48,612,045Net Income 2016: $17,722,5952016Revenue 2017: $71,209,414Expenses 2017: $50,959,653Net Income 2017: $20,249,7612017Revenue 2018: $79,328,292Expenses 2018: $58,211,984Net Income 2018: $21,116,3082018Revenue 2019: $96,634,060Expenses 2019: $77,693,999Net Income 2019: $18,940,0612019Revenue 2020: $98,399,448Expenses 2020: $79,924,369Net Income 2020: $18,475,0792020Revenue 2021: $105,611,575Expenses 2021: $80,974,374Net Income 2021: $24,637,2012021Revenue 2022: $118,091,214Expenses 2022: $96,088,860Net Income 2022: $22,002,3542022Revenue 2023: $151,525,047Expenses 2023: $130,382,270Net Income 2023: $21,142,7772023Revenue 2024: $178,242,646Expenses 2024: $163,923,839Net Income 2024: $14,318,8072024

Highlighted filing

2019

Revenue$96,634,060
Expenses$77,693,999
Net Income$18,940,061
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Oct 5, 2020
Return Version
2019v5.1
Gross Receipts
$99,114,102
Mission and Program Overview

Mission

A member owned cooperative providing financial services, including loans and share deposits to its members.

Cooperative providing financial services, including loans and share deposits to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,175,947,137$1,402,487,985▲ $226,540,848
Rtn Earn Endowment Incm Other Fnds$203,334,230$222,941,788▲ $19,607,558
Savings and Temporary Cash Investments$169,903,005$209,022,259▲ $39,119,254
Investments in Publicly Traded Securities$89,747,416$84,429,800▼ $5,317,616
Land, Buildings, and Equipment, Net$38,949,174$46,880,881▲ $7,931,707
Cash and Non-Interest-Bearing Accounts$15,643,996$24,167,142▲ $8,523,146
Intangible Assets$3,459,134$24,113,838▲ $20,654,704
Receivables From Officers Etc$0$11,292,149▲ $11,292,149
Accounts Receivable$7,732,935$9,018,568▲ $1,285,633
Investments Other Securities$3,665,402$3,832,809▲ $167,407
Prepaid Expenses and Deferred Charges$1,628,267$1,567,303▼ $60,964
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,532,196,727$1,840,118,126▲ $307,921,399
Other Assets Total$25,520,261$23,305,392▼ $2,214,869
Liabilities
Other Liabilities$1,309,057,346$1,594,182,890▲ $285,125,544
Accounts Payable and Accrued Expenses$18,494,973$19,114,364▲ $619,391
Escrow Account Liability$1,310,178$2,109,594▲ $799,416
Mortgage Notes Payable Secured by Investment Property$0$1,769,490▲ $1,769,490
Total Liabilities$1,328,862,497$1,617,176,338▲ $288,313,841
Net Assets / Fund Balance
Total Net Assets Fund Balance$203,334,230$222,941,788▲ $19,607,558
Total Liabilities and Net Assets / Fund Balance$1,532,196,727$1,840,118,126▲ $307,921,399

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$21,873,742$13,378,482$35,252,224
Land$18,441,216-$18,441,216
Equipment$4,485,610$9,029,533$13,515,143
Leasehold Improvements$2,080,313$1,382,504$3,462,817
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Donald Clark JrPresident/CEOFT$593,720$1,271,945$1,865,665
Troy GarryEvp/chief Financial OfficerFT$252,000$159,036$411,036
Wendy ClevelandEvp/chief Operations OfficerFT$252,000$141,325$393,325
Robyn LachanceEvp/chief Strategy OfficerFT$199,500$123,281$322,781
Lyman WilliamsSVP/chief Lending OfficerFT$197,478$103,030$300,508
Kimberly MapesSVP/chief Employee Engagement OfficerFT$224,171$29,607$253,778
Kimberly MapesSVP/chief Employee Engagement Office-$171,419$82,359$253,778
Charlene HensonSVP/chief Retail OfficerFT$168,000$78,656$246,656
Anna AlbertinVP/mortgage LendingFT$138,923$62,913$201,836
Ryan HoranBusiness Loan OfficerFT$91,672$107,607$199,279
Jason McdougalBusiness Intelligence ManagerFT$125,895$60,965$186,860
Sandy LopezVP/controllerFT$121,941$54,095$176,036
Sarah MeikleMortgage Loan Officer Production SupervisorFT$131,747$28,382$160,129
Sarah MeikleMortgage Loan Officer Production Sup-$54,834$105,295$160,129
Brenda HeinemanBoard Chair-$25,000-$25,000
Barry WallisDirector-$20,000-$20,000
David WassonVice Chair-$20,000-$20,000
John BauderDirector-$20,000-$20,000
Shelley ColemanSecretary/treasurer-$20,000-$20,000
Keith MockDirector-$19,625-$19,625
James GriggsDirector-$18,875-$18,875
Altaf MerchantDirector-$15,000-$15,000
Haluk DemirkanDirector-$15,000-$15,000

Highest Paid Contractors

ContractorServicesLocationCompensation
Media PlusMedia/communications160 ROY ST, Seattle, WA 98109$1,848,257
Ncr CorporationDigital Banking Services14181 COLLECTIONS CENTER DRIVE, Chicago, IL 60693$1,489,935
Momentum INCArchitectural/contracting Services1520 4TH AVE SUITE 300, Seattle, WA 98101$1,406,916
AugeoCardholder Reward Program1620 BOND STREET, Naperville, IL 60563$1,213,941
Wongdoody INCAdvertising Services1011 WESTERN AVE STE 900, Seattle, WA 98104$1,081,796
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$89,645,251
Investment Income
$7,046,509
Other Revenue
$-57,700
Change in Net Assets
$18,940,061
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$46,349,877
Salaries, Compensation, and Employee Benefits$31,049,122
Grants and Similar Amounts Paid$295,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$19,856,899
Interest---$8,629,799
Office Expenses---$7,050,535
Current Officers, Directors, Trustees, and Key Employees---$3,967,250
Other Employee Benefits---$3,447,126
Depreciation Depletion---$2,836,238
Fees for Services Other---$2,355,862
Other Expenses---$2,249,322
Occupancy---$2,221,675
Payroll Taxes---$2,042,958
Pension Plan Contributions---$1,734,889
Information Technology---$1,600,718
All Other Expenses---$1,120,867
Travel---$801,417
Advertising---$707,727
Fees for Services Accounting---$320,020
Grants to Domestic Orgs---$279,000
Conferences and Meetings---$262,306
Fees for Services Legal---$119,222
Fees for Services Management---$109,294
Grants to Domestic Individuals---$16,000
Total Functional Expenses$0$0$0$77,693,999
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Credit Union National Association IncWashington, DC501(c)(6)Credit Union Awareness Initiative$100,000
News Tribune Scholarship FoundationTacoma, WA501(c)(3)South Sound Together$27,083
Northwest Credit Union AssociationSeatac, WA501(c)(6)Annual Donation - Cu 4 Kids Auction$21,510
National Credit Union FoundationMadison, WI501(c)(3)Annual Donation & Fairshare Contribution$20,187
University of Washington FoundationTacoma, WA501(c)(3)Business Leadership Awards/program$14,500
Ymca of Pierce and Kitsap CountiesTacoma, WA501(c)(3)Annual Donation$10,000
Economic Development Board of Tacoma-pierce CountyTacoma, WA501(c)(6)Sponsorship & Compete Every Day Forever$9,000
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$15,187
Total Exempt Function Spending$15,187
Section 527 Activity Spending$0

Section 527 Organizations

OrganizationLocationAmount
80-0043051Seatac, WA$15,187
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$0$11,292,149▲ $11,292,149
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$1,594,182,890
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has 134,737 members as of december 31, 2019.”

Form 990, Part VI, Section A, Line 7A

“The credit union's members have the right to elect one or more members of the 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 annually. Additionally, members vote on items brought through a special meeting of members, such as mergers and removal of officers and directors.”

Form 990, Part VI, Section B, Line 11B

“The form 990 is provided to the board of directors who review the form and applicable schedules prior to the return's filing with the irs.”

Form 990, Part VI, Section B, Line 12C

“Employees sign a statement requiring that they must disclose to the president & ceo any actual, potential, or perceived conflicts of interest before being hired. Directors and volunteers sign a "code of ethics acknowledgement" that states they will not be involved in situations that result in or could be perceived to be a conflict of interest. They must also excuse themselves from any discussions or participation in decisions involving instances in which a conflict of interest exists or may exist. The policy manual has three sections in which conflicts of interest are stated and the board approves the policy manual on an annual basis. Both the ceo & evp monitor all staff and volunteer accounts. In addition, during our certified audit, all staff and volunteer accounts, or a sampling, are reviewed for potential conflicts of interest. No director, committee member, or employee of the credit union may have a pecuniary interest in any contract or transaction with the credit union unless this interest is disclosed and made known to the board of directors. No director or committee member of the credit union will participate in the deliberation of any question affecting their own pecuniary interest. Such director or committee member will withdraw from the deliberation and decision upon such interest.”

Form 990, Part VI, Section B, Line 15

“Line 15a, compensation process for top official: the employee benefits committee, which is comprised of 3 board members, reviews local surveys, including the annual milliman northwest financial industry salary survey to develop a recommendation for the board. The board reviews the committee's recommendation and approves the ceo's compensation. This process was last done in 2018 in determining the ceo's compensation for 2019. Line 15b, compensation process for officers: other officer and key employee compensation is determined by the ceo, based on a review of local salary survey information, and becomes a part of the compensation recommendation during the budget process.”

Form 990, Part VI, Section C, Line 19

“The credit union's bylaws and legal documents, financial statements and annual report, that members have the right to view, are available upon request. The request must be in written form.”

Filing and Contact Details

Filer

Filer Name
Sound Credit Union
EIN
91-0557925
Phone
2535977603
Address
PO BOX 1595, TACOMA, WA 98401

Signing Officer

Name
Troy Garry
Title
CFO
Phone
2535977603
Signed
2020-10-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Donald Clark Jr
Formed
1940
Legal Domicile
Wa
Voting Board Members
9
Independent Board Members
9
Employees
469
Volunteers
0

Preparer

Firm
Moss Adams Llp
Address
2707 COLBY AVENUE SUITE 801, EVERETT, WA 98201
Preparer
Colleen Ramires
Phone
4252597227
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“The credit union holds escrowed funds for the payment of property taxes and insurance premiums as a service for members who have mortgages with the credit union. A third-party mortgage service provider handles the escrow processing on behalf of the credit union.”

PART X, LINE 2:

“The credit union is a state-chartered credit union described in internal revenue code (irc) section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (as defined in section 512) derived by state-chartered credit unions. The specific application of section 512 to the various activities conducted by state-chartered credit unions has been at issue for many years. The internal revenue service (irs) has issued a series of technical advice memoranda (tam) to a number of state-chartered credit unions located throughout the country. In these tams, the irs ruled certain products and services to be subject to taxation as unrelated business income. In light of the tams, the credit union has assessed its activities and any potential federal income tax liability. In the opinion of management, any liability arising from federal or state taxation of activities deemed to be unrelated to its exempt purposes is not expected to have a material effect on the credit union's financial position or results of operations. 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 adopted the provisions outlined in this guidance on january 1, 2009. The credit union had no unrecognized tax positions that required adjustment to the january 1, 2009, beginning balance of undivided earnings. The credit union had no unrecognized tax positions at december 31, 2019 or 2018. If assessed, the credit union recognizes penalties and interest associated with tax matters as part of operating expenses.”

Raw XML AppendixShowing 400 of 917 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Desc0ON THE LIABILITY/EQUITY SIDE OF THE BALANCE SHEET OUR MEMBERS HOLD 235,824 SAVINGS, CHECKING, AND MONEY MARKET DEPOSIT ACCOUNTS WITH COMBINED BALANCES OF $1,299,846,734. MEMBERS HOLD 2,102 IRA SAVINGS ACCOUNTS WITH COMBINED BALANCES OF $21,158,889. THESE FUNDS ARE POOLED AND USED PRIMARILY TO FUND CONSUMER AND REAL ESTATE SECURED LOANS TO OUR MEMBERSHIP.
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IRS990/Form990PartVIISectionAGrp/PersonNm3BARRY WALLIS
IRS990/Form990PartVIISectionAGrp/PersonNm4JOHN BAUDER
IRS990/Form990PartVIISectionAGrp/PersonNm5KEITH MOCK
IRS990/Form990PartVIISectionAGrp/PersonNm6JAMES GRIGGS
IRS990/Form990PartVIISectionAGrp/PersonNm7ALTAF MERCHANT
IRS990/Form990PartVIISectionAGrp/PersonNm8HALUK DEMIRKAN
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IRS990/Form990PartVIISectionAGrp/PersonNm10TROY GARRY
IRS990/Form990PartVIISectionAGrp/PersonNm11WENDY CLEVELAND
IRS990/Form990PartVIISectionAGrp/PersonNm12ROBYN LACHANCE
IRS990/Form990PartVIISectionAGrp/PersonNm13LYMAN WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm14KIMBERLY MAPES
IRS990/Form990PartVIISectionAGrp/PersonNm15CHARLENE HENSON
IRS990/Form990PartVIISectionAGrp/PersonNm16RYAN HORAN
IRS990/Form990PartVIISectionAGrp/PersonNm17ANNA ALBERTIN
IRS990/Form990PartVIISectionAGrp/PersonNm18JASON MCDOUGAL
IRS990/Form990PartVIISectionAGrp/PersonNm19SANDY LOPEZ
IRS990/Form990PartVIISectionAGrp/PersonNm20SARAH MEIKLE
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20131747
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IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10EVP/CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11EVP/CHIEF OPERATIONS OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12EVP/CHIEF STRATEGY OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP/CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP/CHIEF EMPLOYEE ENGAGEMENT OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP/CHIEF RETAIL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt16BUSINESS LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP/MORTGAGE LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt18BUSINESS INTELLIGENCE MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP/CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt20MORTGAGE LOAN OFFICER PRODUCTION SUPERVISOR
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01940
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IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0617188
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt016000
IRS990/GrantsToDomesticOrgsGrp/TotalAmt0279000
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt02713821
IRS990/GrossReceiptsAmt099114102
IRS990/GrossRentsGrp/RealAmt0325709
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt036
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01600718
IRS990/IntangibleAssetsGrp/BOYAmt03459134
IRS990/IntangibleAssetsGrp/EOYAmt024113838
IRS990/InterestGrp/TotalAmt08629799
IRS990/InvestmentIncomeGrp/ExclusionAmt06429321
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt06429321
IRS990/InvestmentInJointVentureInd00
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt03832809
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt046880881
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IRS990/LegalDomicileStateCd0WA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt02096633
IRS990/LessRentalExpensesGrp/RealAmt0383409
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IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0A MEMBER OWNED COOPERATIVE PROVIDING FINANCIAL SERVICES, INCLUDING LOANS AND SHARE DEPOSITS TO ITS MEMBERS.
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IRS990/MoreThan5000KToOrgInd00
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IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-57700
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IRS990/NetUnrlzdGainsLossesInvstAmt0667497
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IRS990/OfficeExpensesGrp/TotalAmt07050535
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IRS990/OperateHospitalInd00
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IRS990/OtherAssetsTotalGrp/EOYAmt023305392
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IRS990/OtherEmployeeBenefitsGrp/TotalAmt03447126
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IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2BANK FEES
IRS990/OtherExpensesGrp/Desc3MP AMORTIZATION OF CDI
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IRS990/OtherExpensesGrp/TotalAmt14897111
IRS990/OtherExpensesGrp/TotalAmt24619860
IRS990/OtherExpensesGrp/TotalAmt32249322
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01567303
IRS990/PrincipalOfficerNm0DONALD CLARK JR
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IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
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IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2INTERCHANGE
IRS990/ProgramServiceRevenueGrp/Desc3LOAN ORIGINATION INCOME
IRS990/ProgramServiceRevenueGrp/Desc4FINANCIAL SERVICES
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt110208336
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt210264722
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt31126578
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4421218
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt065113895
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt110397225
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt210264722
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt31126578
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4507492
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0188889
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt186274
IRS990/ProgSrvcAccomActy2Grp/Desc0ALSO ON THE LIABILITY/EQUITY SIDE OF THE BALANCE SHEET, 8,678 OF OUR MEMBERS HOLD CERTIFICATE ACCOUNTS WITH TOTAL BALANCES OF $274,705,116.
IRS990/ProgSrvcAccomActy3Grp/Desc0ON THE ASSET SIDE, 74,854 OF OUR MEMBERS HOLD CONSUMER LOANS THAT INCLUDE VEHICLE, STUDENT, MORTGAGE, AND VISA LOANS. CONSUMER LOANS THAT INCLUDE VEHICLE SECURED LOANS TOTAL $543,632,825. REAL ESTATE SECURED LOANS TOTAL $716,152,043. THE LOAN PORTFOLIO TOTAL $1,417,697,537.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt0161173
IRS990/PYInvestmentIncomeAmt04723676
IRS990/PYOtherExpensesAmt032051442
IRS990/PYOtherRevenueAmt0-131016
IRS990/PYProgramServiceRevenueAmt074735632
IRS990/PYRevenuesLessExpensesAmt021116308
IRS990/PYSalariesCompEmpBnftPaidAmt025999369
IRS990/PYTotalExpensesAmt058211984
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt079328292
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt011292149
IRS990/ReconcilationRevenueExpnssAmt018940061
IRS990/RegularMonitoringEnfrcInd01

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,840,118,126
Liabilities
$1,617,176,338
Net assets
$222,941,788
Revenue
$96,634,060
Expenses
$77,693,999
Net income
$18,940,061
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3,072$2,768$304$178$164$14.3
2023Detailed filing. Detailed filing data is available for this year.$2,911$2,622$289$152$130$21.1
2022Detailed filing. Detailed filing data is available for this year.$2,700$2,431$269$118$96.1$22.0
2021Detailed filing. Detailed filing data is available for this year.$2,549$2,285$264$106$81.0$24.6
2020Detailed filing. Detailed filing data is available for this year.$2,219$1,976$243$98.4$79.9$18.5
2019Detailed filing. Detailed filing data is available for this year.$1,840$1,617$223$96.6$77.7$18.9
2018Detailed filing. Detailed filing data is available for this year.$1,532$1,329$203$79.3$58.2$21.1
2017Detailed filing. Detailed filing data is available for this year.$1,461$1,279$182$71.2$51.0$20.2
2016Detailed filing. Detailed filing data is available for this year.$1,380$1,217$162$66.3$48.6$17.7
2015Detailed filing. Detailed filing data is available for this year.$1,257$1,112$145$60.8$44.5$16.3
2014Detailed filing. Detailed filing data is available for this year.$1,154$1,026$128$53.6$38.6$15.0
2013Detailed filing. Detailed filing data is available for this year.$1,085$974$111$55.3$37.7$17.7
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,070$975$95.0$40.9
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,038$962$76.2$33.2
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$544$490$53.8$28.4