Civic Intelligence

Salal Credit Union

EIN 91-0593941 • 501(c)14 • Seattle, WA

Profile

THE MISSION Of SALAL CREDIT UNION IS TO MAKE MONEY MANAGEMENT EASIER FOR MEMBERS.

9706 4th Avenue NE 400Seattle, WA 98115

www.salalcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

80th percentile

0.92x

Higher debt load relative to assets than 80% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Liabilities / Revenue

30th percentile

14.26x

Higher debt load relative to revenue than 30% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Net Margin

12th percentile

1.9%

Higher net margin than 12% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

10th percentile

-3.3%

Faster asset growth than 10% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Revenue Growth

4th percentile

1.7%

Faster revenue growth than 4% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Assets

Down

$1,177,190,511

Down $40,589,971 (-3.3%) from 2023

Liabilities

Down

$1,086,382,445

Down $42,993,378 (-3.8%) from 2023

Net Assets

Up

$90,808,066

Up $2,403,407 (+2.7%) from 2023

Revenue

Up

$76,210,438

Up $1,244,490 (+1.7%) from 2023

Expenses

Up

$74,738,083

Up $6,531,320 (+9.6%) from 2023

Net Income

Down

$1,472,355

Down $5,286,830 (-78%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$1.5B$1.0B$500M$0Assets 2010: $321,821,640Liabilities 2010: $291,946,732Net Assets 2010: $29,874,9082010Assets 2011: $345,576,575Liabilities 2011: $313,996,223Net Assets 2011: $31,580,3522011Assets 2012: $356,857,145Liabilities 2012: $322,951,396Net Assets 2012: $33,905,7492012Assets 2013: $364,010,055Liabilities 2013: $331,669,001Net Assets 2013: $32,341,0542013Assets 2014: $377,673,961Liabilities 2014: $343,185,548Net Assets 2014: $34,488,4132014Assets 2015: $433,959,684Liabilities 2015: $394,885,986Net Assets 2015: $39,073,6982015Assets 2016: $495,210,042Liabilities 2016: $452,030,870Net Assets 2016: $43,179,1722016Assets 2017: $536,665,059Liabilities 2017: $482,401,396Net Assets 2017: $54,263,6632017Assets 2018: $656,178,772Liabilities 2018: $597,790,642Net Assets 2018: $58,388,1302018Assets 2019: $737,187,544Liabilities 2019: $669,252,967Net Assets 2019: $67,934,5772019Assets 2020: $992,751,176Liabilities 2020: $914,091,514Net Assets 2020: $78,659,6622020Assets 2021: $1,076,834,962Liabilities 2021: $990,917,480Net Assets 2021: $85,917,4822021Assets 2022: $1,278,954,143Liabilities 2022: $1,200,065,836Net Assets 2022: $78,888,3072022Assets 2023: $1,217,780,482Liabilities 2023: $1,129,375,823Net Assets 2023: $88,404,6592023Assets 2024: $1,177,190,511Liabilities 2024: $1,086,382,445Net Assets 2024: $90,808,0662024

Highlighted filing

2024

Assets$1,177,190,511
Liabilities$1,086,382,445
Net Assets$90,808,066

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$80M$60M$40M$20M$0Expenses 2010: $17,285,2152010Expenses 2011: $17,113,1542011Expenses 2012: $16,925,6542012Revenue 2013: $18,163,869Expenses 2013: $17,727,276Net Income 2013: $436,5932013Revenue 2014: $19,800,009Expenses 2014: $18,499,274Net Income 2014: $1,300,7352014Revenue 2015: $25,633,125Expenses 2015: $20,386,744Net Income 2015: $5,246,3812015Revenue 2016: $26,017,785Expenses 2016: $21,994,794Net Income 2016: $4,022,9912016Revenue 2017: $35,930,014Expenses 2017: $24,910,783Net Income 2017: $11,019,2312017Revenue 2018: $34,926,129Expenses 2018: $30,673,939Net Income 2018: $4,252,1902018Revenue 2019: $45,513,964Expenses 2019: $36,077,128Net Income 2019: $9,436,8362019Revenue 2020: $52,975,542Expenses 2020: $43,765,501Net Income 2020: $9,210,0412020Revenue 2021: $53,428,759Expenses 2021: $44,265,058Net Income 2021: $9,163,7012021Revenue 2022: $63,361,594Expenses 2022: $57,114,018Net Income 2022: $6,247,5762022Revenue 2023: $74,965,948Expenses 2023: $68,206,763Net Income 2023: $6,759,1852023Revenue 2024: $76,210,438Expenses 2024: $74,738,083Net Income 2024: $1,472,3552024

Highlighted filing

2024

Revenue$76,210,438
Expenses$74,738,083
Net Income$1,472,355

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,177$1,086$90.8$76.2$74.7$1.47
2023Summary only. Only limited summary data is available for this year.$1,218$1,129$88.4$75.0$68.2$6.76
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,279$1,200$78.9$63.4$57.1$6.25
2021Summary only. Only limited summary data is available for this year.$1,077$991$85.9$53.4$44.3$9.16
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$993$914$78.7$53.0$43.8$9.21
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$737$669$67.9$45.5$36.1$9.44
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$656$598$58.4$34.9$30.7$4.25
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$537$482$54.3$35.9$24.9$11.0
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$495$452$43.2$26.0$22.0$4.02
2015Detailed filing. Detailed filing data is available for this year.$434$395$39.1$25.6$20.4$5.25
2014Detailed filing. Detailed filing data is available for this year.$378$343$34.5$19.8$18.5$1.30
2013Detailed filing. Detailed filing data is available for this year.$364$332$32.3$18.2$17.7$0.44
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$357$323$33.9$16.9
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$346$314$31.6$17.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$322$292$29.9$17.3
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 14, 2023
Return Version
2022v5.0
Gross Receipts
$81,457,450
Mission and Program Overview

Mission

The mission of salal credit union is to make money management easier for members.

We eliminate financial obstacles to help everyday visionaries realize their full potential.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$702,169,955$1,038,045,119▲ $335,875,164
Investments in Publicly Traded Securities$165,438,047$143,391,370▼ $22,046,677
Rtn Earn Endowment Incm Other Fnds$85,917,482$78,888,307▼ $7,029,175
Land, Buildings, and Equipment, Net$32,392,434$30,130,748▼ $2,261,686
Cash and Non-Interest-Bearing Accounts$20,760,615$21,679,498▲ $918,883
Receivables From Officers Etc$12,516,232$15,165,425▲ $2,649,193
Investments Other Securities$2,598,007$8,019,311▲ $5,421,304
Savings and Temporary Cash Investments$128,654,312$6,411,670▼ $122,242,642
Prepaid Expenses and Deferred Charges$2,342,500$2,453,146▲ $110,646
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,076,834,962$1,278,954,143▲ $202,119,181
Other Assets Total$9,962,860$13,657,856▲ $3,694,996
Liabilities
Other Liabilities$949,400,079$1,030,211,401▲ $80,811,322
Mortgage Notes Payable Secured by Investment Property$14,033,803$146,619,262▲ $132,585,459
Accounts Payable and Accrued Expenses$27,483,598$23,235,173▼ $4,248,425
Total Liabilities$990,917,480$1,200,065,836▲ $209,148,356
Net Assets / Fund Balance
Total Net Assets Fund Balance$85,917,482$78,888,307▼ $7,029,175
Total Liabilities and Net Assets / Fund Balance$1,076,834,962$1,278,954,143▲ $202,119,181

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$16,050,232$3,363,191$19,413,423
Leasehold Improvements$4,919,910$5,578,818$10,498,728
Equipment$1,151,961$7,533,743$8,685,704
Land$8,008,645-$8,008,645
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Russell E RosendalPresident/CEOFT$460,715$1,157,364$1,618,079
Robert W SchweigertSVP - Chief Lending OfficeFT$245,344$110,770$356,114
Randy William CloesSVP - CFOFT$237,382$115,825$353,207
James a MillsapDealer Direct Account ManagerFT$50,374$294,779$345,153
Troy-skott PopeSVP - Chief Digital & Strategy OfficerFT$311,289$19,545$330,834
Troy-skott PopeSVP - Chief Digital & Strategy Offic-$236,355$94,479$330,834
Juliette AndohVP - Risk & Compliance (thru 11/22)FT$165,842$150,213$316,055
Judy Loveless-morrisSVP - Chief Diversity & PeopleFT$213,670$91,069$304,739
Megan DesilvaDealer Direct Sales ManagerFT$93,125$167,893$261,018
Brett BallmanVP - Director of Business BankingFT$190,661$41,928$232,589
Vincent N PunteneyVP - Consumer LendingFT$172,235$57,220$229,455
Kari StenslieVP - ControllerFT$176,120$52,415$228,535
Christian GrunertVP - Information TechnologyFT$158,593$58,476$217,069
Samantha HarbertVP - Home Lending & Retail BankingFT$124,050$87,738$211,788
Kevin KnowlesVP - Credit AdministrationFT$138,413$63,910$202,323
Matthew W VanceVP - Marketing & Prod. DevelopmentFT$138,124$61,394$199,518
Michael C BishopVP - RetailFT$150,534$46,986$197,520
Keith PriceSenior Business Intelligence ManagerFT$154,248$39,333$193,581
Andrew Scott HaegVP - OperationsFT$127,886$64,269$192,155
Sylvia PopeVP - Program ManagementFT$142,241$46,198$188,439
Matthew HeitlandIt Strategy & Innovation SmFT$141,872$43,577$185,449
Eileen MagnussonVP - Director Human ResourcesFT$118,024$67,072$185,096
Angela RahamSenior Manager of Business BankingFT$122,260$58,251$180,511

Board Members and Trustees

NameTitle
Brian LuongBoard Chair
Alan LedermanVice Chair
Ali SealsBoard Member
Catherine BaileyBoard Member
Dick WooBoard Member
John ZielonkaBoard Member
Nishat AkhterBoard Member
Quynh NguyenBoard Member
Sophie BroughamBoard Member
Annette MurphyBoard Member (thru 03/22)
Joe LeplaSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Empyreal Enterprises Ma LLCCash Courier2000 OXFORD DR STE 440, Bethel Park, PA 15102$2,173,037
Jack Henry & Associates INCData ProcessingPO BOX 609, Monet, MO 65708$955,015
Softchoice CorporationSoftware & It16609 COLLECTIONS CENTER DRIVE, Chicago, IL 60693$807,339
Alkami Technology INCData Processing5601 GRANITE PARKWAY STE 120, Plano, TX 75024$804,875
Securetrans INC Dba Axiom Armored TranspSecurity2420 CINNABAR LOOP, Anchorage, AK 99507$494,420
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$58,120,658
Investment Income
$4,893,136
Other Revenue
$347,800
Change in Net Assets
$6,247,576
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$28,613,649
Salaries, Compensation, and Employee Benefits$28,179,098
Grants and Similar Amounts Paid$321,271
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$17,406,499
Current Officers, Directors, Trustees, and Key Employees---$5,563,513
Interest---$5,107,631
Fees for Services Other---$3,501,527
Other Employee Benefits---$2,740,341
Information Technology---$2,312,791
Depreciation Depletion---$2,310,808
Payroll Taxes---$1,939,364
Occupancy---$1,676,911
Other Expenses---$1,480,025
All Other Expenses---$971,742
Office Expenses---$911,546
Advertising---$899,556
Pension Plan Contributions---$529,381
Fees for Services Legal---$335,528
Grants to Domestic Orgs---$321,271
Travel---$216,764
Fees for Service Investment Mgmnt Fees---$194,531
Insurance---$171,087
Fees for Services Accounting---$159,391
Total Functional Expenses$0$0$0$57,114,018
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Salal FoundationSeattle, WA501(c)(3)General Support$50,000
HealthpointRenton, WA501(c)(3)General Support$46,500
King County Nurses AssociationSeattle, WA501(c)(3)Scholarship Program & General Support$34,000
ALZHEIMER'S ASSOCIATIONLynnwood, WA501(c)(3)ALZHEIMER'S CARE$17,500
Family First Community Center FoundationRenton, WA501(c)(3)General Support$15,000
Rebuilding TogetherSeattle, WA501(c)(3)2022 Partnership Support$15,000
University of Washington FoundationSeattle, WA501(c)(3)Uw Nurses Camp$12,000
Worldwide Foundation for Credit Unions IncMadison, WI501(c)(3)Ukraine Credit Union Displacement Fund$10,000
Mary Mahoney Professional Nurses OrganizationSeattle, WA501(c)(3)General Support$9,000
Seattle Indian Health BoardSeattle, WA501(c)(3)Adeline Garcia Sponsor & Board Event$8,000
St Anne Hospital FoundationBurien, WA501(c)(3)SUPPORT OF FARMER'S MARKET$7,500
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$5,000
Total Exempt Function Spending$5,000
Section 527 Activity Spending$0

Section 527 Organizations

OrganizationLocationAmount
80-0043051Seatac, WA$5,000
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$12,516,232$15,165,425▲ $2,649,193
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$1,027,920,911
Lease Liabilities$2,290,490
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'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. 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 B, Line 11B

Form 990 is drafted by an external accounting firm and company controller and is then reviewed and approved by the cfo.

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

It is mandatory that all employees annually sign an ethics statement acknowledging that they have not received items or gifts worth more than $50.00. In addition, the executive team and the board of directors sign an attestation in regards to this. Each department manager has a duty to report any violations of this policy immediately to the compliance department.

Form 990, Part VI, Section B, Line 15

The organization's human resources department subscribes to two annual financial institutions compensation surveys. Compensation for executive officers is approved by the ceo in consultation with the independent executive committee of the board of directors. Compensation for the ceo is recommended by the executive committee after reviewing material prepared by a consultant hired by the committee or analysis completed by head of human resources. Final approval is subject to full board approval.

Form 990, Part VI, Section C, Line 19

Financial statements are available at the annual meeting. Balance sheets are posted at each branch and updated monthly. Members are directed to the ncua website for additional financial information.

Filing and Contact Details

Filer

Filer Name
Salal Credit Union
EIN
91-0593941
Phone
2062989394
Address
9706 4TH AVENUE NE 400, SEATTLE, WA 98115

Signing Officer

Name
Russell E Rosendal
Title
President/CEO
Phone
2608267603
Signed
2023-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Russell E Rosendal
Formed
1948
Legal Domicile
Wa
Voting Board Members
10
Independent Board Members
10
Employees
307
Volunteers
18

Preparer

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

Additional Explanations

FORM 990, PART XI, LINE 9:

Subsidiary income book/tax difference -53,775.

Financial Statement Notes

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 (irc) of 1954; however, the credit union's unrelated business income is subject to federal income taxes. There were no significant income taxes for the years ended december 31, 2022 or 2021. 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, 2022 or 2021. 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 exempt organization and unrelated business income tax returns within the federal jurisdiction.

Raw XML AppendixShowing 400 of 1,308 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
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IRS990/AccountsPayableAccrExpnssGrp/EOYAmt023235173
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0WE ELIMINATE FINANCIAL OBSTACLES TO HELP EVERYDAY VISIONARIES REALIZE THEIR FULL POTENTIAL.
IRS990/AdvertisingGrp/TotalAmt0899556
IRS990/AllOtherExpensesGrp/TotalAmt0971742
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
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IRS990/BooksInCareOfDetail/PhoneNum02068267807
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt09706 4TH AVENUE NE NO 400
IRS990/BooksInCareOfDetail/USAddress/CityNm0SEATTLE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd098115
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IRS990/ChangeToOrgDocumentsInd00
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IRS990/CompensationProcessOtherInd01
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IRS990/ConsolidatedAuditFinclStmtInd01
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IRS990/ContractorCompensationGrp/CompensationAmt1955015
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IRS990/ContractorCompensationGrp/CompensationAmt3804875
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt42420 CINNABAR LOOP
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1MO
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1JACK HENRY & ASSOCIATES INC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2SOFTCHOICE CORPORATION
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4SECURETRANS INC DBA AXIOM ARMORED TRANSP
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IRS990/ContractorCompensationGrp/ServicesDesc3DATA PROCESSING
IRS990/ContractorCompensationGrp/ServicesDesc4SECURITY
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
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IRS990/CYInvestmentIncomeAmt04893136
IRS990/CYOtherExpensesAmt028613649
IRS990/CYOtherRevenueAmt0347800
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IRS990/CYTotalExpensesAmt057114018
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IRS990/CYTotalRevenueAmt063361594
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IRS990/Desc0SALAL CREDIT UNION IS A STATE CHARTERED NON-PROFIT COOPERATIVE CREDIT UNION OFFERING ITS MEMBERS A VARIETY OF FINANCIAL SERVICES DESIGNED TO PROMOTE SAVING AND PROVIDE CREDIT AT FAIR AND REASONABLE RATES OF INTEREST. SALAL CREDIT UNION CURRENTLY SERVES 57,052 MEMBERS; HOWEVER THERE ARE APPROXIMATELY 6,700,000 POTENTIAL MEMBERS IN THE GREATER PUGET SOUND COMMUNITY.
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IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD CHAIR
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IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER (THRU 03/22)
IRS990/Form990PartVIISectionAGrp/TitleTxt11PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP - CHIEF LENDING OFFICE
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP - CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP - CHIEF DIGITAL & STRATEGY OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP - CHIEF DIVERSITY & PEOPLE
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP - RISK & COMPLIANCE (THRU 11/22)
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP - DIRECTOR OF BUSINESS BANKING
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP - CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP - CONSUMER LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP - INFORMATION TECHNOLOGY
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP - HOME LENDING & RETAIL BANKING
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP - RETAIL
IRS990/Form990PartVIISectionAGrp/TitleTxt23VP - CREDIT ADMINISTRATION
IRS990/Form990PartVIISectionAGrp/TitleTxt24VP - MARKETING & PROD. DEVELOPMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt25VP - DIRECTOR HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt26VP - PROGRAM MANAGEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt27VP - OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt28SENIOR MANAGER OF BUSINESS BANKING
IRS990/Form990PartVIISectionAGrp/TitleTxt29DEALER DIRECT ACCOUNT MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt30DEALER DIRECT SALES MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt31SENIOR BUSINESS INTELLIGENCE MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt32IT STRATEGY & INNOVATION SM
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IRS990/MissionDesc0WE ELIMINATE FINANCIAL OBSTACLES TO HELP EVERYDAY VISIONARIES REALIZE THEIR FULL POTENTIAL.
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