Civic Intelligence

Harborstone Credit Union

990 • Fiscal year 2019 • EIN 91-0659059

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 09, 2020

Organization ProfileWWW.HARBORSTONE.COM

View Organization Page

PO Box 4207Tacoma, WA 98438

(253) 589-1105

Siviq Scores

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

Liabilities / Assets

45th percentile

0.89x

Higher debt load relative to assets than 45% of similar nonprofits.

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

Liabilities / Revenue

65th percentile

19.20x

Higher debt load relative to revenue than 65% of similar nonprofits.

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

Net Margin

32nd percentile

15%

Higher net margin than 32% of similar nonprofits.

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

Top Officer Pay

83rd percentile

$1,644,842

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 2.3% of source-year revenue.

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

Asset Growth

89th percentile

15%

Faster asset growth than 89% of similar nonprofits.

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

Revenue Growth

74th percentile

16%

Faster revenue growth than 74% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets45th percentile

Assets

Up

$1,532,553,283

Up $197,370,232 (+15%) from 2018

Net Assets

Up

$171,706,669

Up $14,911,171 (+9.5%) from 2018

Liabilities

Up

$1,360,846,614

Up $182,459,061 (+15%) from 2018

Revenue And Expenses
Liabilities / Revenue65th percentileNet Margin32nd percentile

Revenue

Up

$70,863,648

Up $9,724,529 (+16%) from 2018

Expenses

Up

$60,453,057

Up $10,561,720 (+21%) from 2018

Net Income

Down

$10,410,591

Down $837,191 (-7.4%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth89th percentile

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

$3.0B$2.0B$1.0B$0Assets 2010: $742,247,902Liabilities 2010: $658,637,380Net Assets 2010: $83,610,5222010Assets 2011: $756,100,862Liabilities 2011: $666,069,277Net Assets 2011: $90,031,5852011Assets 2012: $792,637,111Liabilities 2012: $698,735,309Net Assets 2012: $93,901,8022012Assets 2013: $1,066,998,328Liabilities 2013: $953,819,705Net Assets 2013: $113,178,6232013Assets 2014: $1,102,724,712Liabilities 2014: $977,050,405Net Assets 2014: $125,674,3072014Assets 2015: $1,148,072,492Liabilities 2015: $1,016,538,993Net Assets 2015: $131,533,4992015Assets 2016: $1,199,334,729Liabilities 2016: $1,060,367,049Net Assets 2016: $138,967,6802016Assets 2017: $1,245,867,310Liabilities 2017: $1,099,559,494Net Assets 2017: $146,307,8162017Assets 2018: $1,335,183,051Liabilities 2018: $1,178,387,553Net Assets 2018: $156,795,4982018Assets 2019: $1,532,553,283Liabilities 2019: $1,360,846,614Net Assets 2019: $171,706,6692019Assets 2020: $1,695,810,664Liabilities 2020: $1,506,957,772Net Assets 2020: $188,852,8922020Assets 2021: $1,876,992,646Liabilities 2021: $1,677,773,866Net Assets 2021: $199,218,7802021Assets 2022: $1,861,434,553Liabilities 2022: $1,704,766,600Net Assets 2022: $156,667,9532022Assets 2023: $1,907,287,967Liabilities 2023: $1,741,880,043Net Assets 2023: $165,407,9242023Assets 2024: $2,109,617,653Liabilities 2024: $1,932,427,270Net Assets 2024: $177,190,3832024

Highlighted filing

2019

Assets$1,532,553,283
Liabilities$1,360,846,614
Net Assets$171,706,669
Open 2019 Filing

Operations Trend

Revenue Growth74th percentile

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

$150M$100M$50M$0Expenses 2010: $41,591,7172010Revenue 2011: $38,734,896Expenses 2011: $34,351,142Net Income 2011: $4,383,7542011Expenses 2012: $31,522,9102012Revenue 2013: $45,951,929Expenses 2013: $41,151,340Net Income 2013: $4,800,5892013Revenue 2014: $47,610,878Expenses 2014: $41,375,985Net Income 2014: $6,234,8932014Revenue 2015: $50,476,345Expenses 2015: $42,990,617Net Income 2015: $7,485,7282015Revenue 2016: $52,611,421Expenses 2016: $45,185,708Net Income 2016: $7,425,7132016Revenue 2017: $54,023,361Expenses 2017: $46,757,171Net Income 2017: $7,266,1902017Revenue 2018: $61,139,119Expenses 2018: $49,891,337Net Income 2018: $11,247,7822018Revenue 2019: $70,863,648Expenses 2019: $60,453,057Net Income 2019: $10,410,5912019Revenue 2020: $72,780,234Expenses 2020: $60,405,530Net Income 2020: $12,374,7042020Revenue 2021: $74,633,531Expenses 2021: $54,482,813Net Income 2021: $20,150,7182021Revenue 2022: $76,742,957Expenses 2022: $62,794,019Net Income 2022: $13,948,9382022Revenue 2023: $93,110,698Expenses 2023: $86,011,707Net Income 2023: $7,098,9912023Revenue 2024: $122,675,100Expenses 2024: $111,921,139Net Income 2024: $10,753,9612024

Highlighted filing

2019

Revenue$70,863,648
Expenses$60,453,057
Net Income$10,410,591
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 9, 2020
Return Version
2019v5.1
Gross Receipts
$87,911,383
Mission and Program Overview

Mission

The credit union is a member owned, not for profit, cooperative, operated for the purpose of creating a means whereby members can provide each other with needed financial service.

Harborstone credit union exists to be an anchor of trust.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,035,673,916$1,117,322,044▲ $81,648,128
Investments in Publicly Traded Securities$173,240,957$256,176,812▲ $82,935,855
Rtn Earn Endowment Incm Other Fnds$156,795,498$171,706,669▲ $14,911,171
Savings and Temporary Cash Investments$44,803,014$78,905,521▲ $34,102,507
Land, Buildings, and Equipment, Net$26,504,341$25,549,776▼ $954,565
Investments Other Securities$8,337,138$6,026,185▼ $2,310,953
Cash and Non-Interest-Bearing Accounts$7,050,313$4,184,050▼ $2,866,263
Receivables From Officers Etc-$3,899,125-
Prepaid Expenses and Deferred Charges$2,638,827$2,158,166▼ $480,661
Accounts Receivable$2,101,823$1,923,367▼ $178,456
Intangible Assets$2,419,439$1,870,956▼ $548,483
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,335,183,051$1,532,553,283▲ $197,370,232
Other Assets Total$32,413,283$34,537,281▲ $2,123,998
Liabilities
Other Liabilities$1,082,747,339$1,321,005,461▲ $238,258,122
Mortgage Notes Payable Secured by Investment Property$87,000,000$30,000,000▼ $57,000,000
Accounts Payable and Accrued Expenses$8,640,214$9,841,153▲ $1,200,939
Total Liabilities$1,178,387,553$1,360,846,614▲ $182,459,061
Net Assets / Fund Balance
Total Net Assets Fund Balance$156,795,498$171,706,669▲ $14,911,171
Total Liabilities and Net Assets / Fund Balance$1,335,183,051$1,532,553,283▲ $197,370,232

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$12,625,090$10,392,999$23,018,089
Equipment$1,920,936$15,153,542$17,074,478
Land$7,276,197-$7,276,197
Leasehold Improvements$3,226,482$3,284,886$6,511,368
Other Land Buildings$501,071-$501,071
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Phil JonesPresident & CEOFT$1,002,847$641,995$1,644,842
Laurie LenoSr VP CFO (resigned 2/19)FT$39,180$347,444$386,624
Doug RichardsonVP Training/administrationFT$138,671$173,221$311,892
Steve CrosbySr VP COOFT$216,687$59,971$276,658
Forest HayesSr VP CFOFT$213,161$52,945$266,106
Lisa SturgisSr VPFT$213,501$32,583$246,084
Michael PowellSr VP CLOFT$202,910$40,053$242,963
Michael DeciusSr VP CIOFT$194,421$43,001$237,422
Frank MarzanoVP Business BankingFT$143,765$44,347$188,112
Stephanie NicklausVP Chief Credit OfficerFT$135,617$36,942$172,559
Scott BeckwithVP Business BankingFT$131,595$35,743$167,338
Eric ZittelVP Consumer LendingFT$133,365$25,809$159,174
Ann AndersonChair-$28,560$9,838$38,398
Bonnie KernDirector-$19,576$5,204$24,780
Linda Crane NelsonSecretary-$19,126$2,618$21,744
Rick StevensDirector-$15,000$5,799$20,799
Shellie WillisDirector-$15,372$4,385$19,757
Michael GedeonDirector-$15,358$3,415$18,773
Ivan BarronDirector-$15,000$3,546$18,546
Richard EvansDirector-$15,000$3,253$18,253
Jim BuckVice Chair-$15,000$3,181$18,181

Highest Paid Contractors

ContractorServicesLocationCompensation
Nrc CorporationOnline Banking ProviderPO BOX 740641, Los Angeles, CA 90074$2,274,014
Fiserv CnsAtm/network ProcessorPO BOX 5037 263, Portland, OR 97208$1,000,081
Fidelity Information Services INCCore Processor, Check ProcessingPO BOX 4535, Carol Stream, IL 60197$997,344
Cook Security GroupAtm Servicing9225 NE CASCADES PARKWAY, Portland, OR 97220$281,727
Kings5comAdvertisingPO BOX 637386, Cincinnati, OH 45263$272,001
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$61,125,577
Investment Income
$8,917,460
Other Revenue
$820,611
Change in Net Assets
$10,410,591
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$31,167,194
Salaries, Compensation, and Employee Benefits$21,492,816
Grants and Similar Amounts Paid$326,526
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$12,901,592
Benefits to Members---$7,466,521
Fees for Services Other---$3,769,175
Current Officers, Directors, Trustees, and Key Employees---$3,499,931
Office Expenses---$2,726,420
Other Employee Benefits---$2,356,430
Depreciation Depletion---$2,255,490
Advertising---$2,200,146
Occupancy---$1,892,246
Other Expenses---$1,878,412
Interest---$1,517,189
Pension Plan Contributions---$1,424,870
All Other Expenses---$1,337,773
Payroll Taxes---$1,309,993
Grants to Domestic Orgs---$326,526
Insurance---$260,156
Fees for Services Accounting---$173,720
Conferences and Meetings---$152,015
Travel---$150,044
Fees for Services Legal---$36,415
Total Functional Expenses$0$0$0$60,453,057
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Sound OutreachTacoma, WA501(c)(3)Unrestricted$40,000
Business Impact NwSeattle, WA501(c)(3)Unrestricted$25,000
Junior Achievement of WashingtonSeattle, WA501(c)(3)Unrestricted$25,000
TreehouseSeattle, WA501(c)(3)Unrestricted$25,000
Pike Place Market FoundationSeattle, WA501(c)(3)Unrestricted$21,700
Pierce Military & Business AllianceTacoma, WA501(c)(3)Unrestricted$15,000
American Cancer Society of Washington IncStaten Island, NY501(c)(3)Unrestricted$13,500
Ywca SeattleSeattle, WA501(c)(3)Unrestricted$10,000
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$13,692
Total Exempt Function Spending$13,692

Section 527 Organizations

OrganizationLocationAmount
91-0460483Seatax, WA$13,692
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees-$3,899,125-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARE AND SAVINGS ACCOUNTS$1,321,005,461
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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 1

“The board may elect an executive committee of not fewer than 3 directors to serve at its pleasure. Unless otherwise changed by the board by resolution, the executive committee shall consist of the board officers. The executive committee shall meet as often as necessary as called by the chairperson. At all meetings of the executive committee, each director present shall have one vote on any matter and except as otherwise provided by the act or these bylaws, the action of a majority of executive committee members at a meeting shall be the act of the executive committee. The executive committee will have the authority to exercise all of the powers of the board, except that the executive committee will not have the authority of the board in reference to: - amending the credit union's bylaws or articles of incorporation; - exercising the non-delegable powers under the act; - removing or suspending officers from their office under article 6 section 6.4 or committee members from their committees; - appointing interim directors under article 6, section 6.5; - suspend board or supervisory committee members; and - adopting a plan of merger or liquidation, or changing the charter of the credit union.”

Form 990, Part VI, Section A, Line 6

“Participation in this credit union is limited to those who qualify for membership as defined in the credit union's charter and bylaws. This generally consists of those who live, work, worship, or go to school in the state of washington. In addition to a regularly qualified member, the spouse of a member, the blood or adoptive relatives of either of them and their spouses may be members.”

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 11B

“The form 990 is prepared by the organization's public accounting firm based on information provided by management. Once the draft is available, it is reviewed by management and any changes incorporated into the filing. Once this detailed review is complete, the draft of the form 990 is presented to the board of directors for their review and comments prior to filing with the irs.”

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

“On an annual basis, all employees & volunteers are required to review the conflict of interest policy. Signatures are obtained verifying that they attest to having read the policy. Additionally, each new employee hired by the credit union reviews the conflict of interest policy on their first day of employment. If a situation arises involving a conflict of interest, it shall be reported to the president/ceo or to the chair of the board of directors, as applicable, in order to permit consideration of the circumstances and thereby to relieve the individual(s) reporting such a conflict from liability. Each instance of a conflict of interest shall be addressed during the next board meeting following its submission. Any discussion concerning the conflict of interest shall be noted in the minutes of the meeting. A member of the board of directors shall not vote on any conflict of interest item concerning him/herself.”

Form 990, Part VI, Section B, Line 15

“We utilize various reputable, third-party market data sources (milliman, cues, etc.) to aid in setting the compensation of the president/ceo. Compensation decisions for the president/ceo are made by the board of directors. Compensation is reviewed annually and as such was reviewed in 2019. The compensation decision is documented in the employee's personnel file. We utilize various reputable, third-party market data sources (milliman, cues, etc.) to aid in setting the compensation of our other officers and key employees. Generally, final compensation decisions are made by the senior vice president/chief operations officer. Compensation decisions for the executive vice president and all other senior vice president positions are made by the president/ceo. This decision is reviewed annually and as such was reviewed in 2019. The compensation decision is documented in the employee's personnel file.”

Form 990, Part VI, Section C, Line 19

“The governing documents and financial statements are made available to the public in the annual report and annual meeting, which is held in march of each year. The conflicts of interest policy is not made public.”

Filing and Contact Details

Filer

Filer Name
Harborstone Credit Union
EIN
91-0659059
Phone
2535891105
Address
PO BOX 4207, TACOMA, WA 98438

Signing Officer

Name
Forest Hayes
Title
CFO
Phone
2535891105
Signed
2020-11-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Phil Jones
Formed
1955
Legal Domicile
Wa
Voting Board Members
9
Independent Board Members
9
Employees
257
Volunteers
0

Preparer

Firm
Cliftonlarsonallen Llp
Address
20 EAST THOMAS ROAD SUITE 2300, PHOENIX, AZ 85012
Preparer
Mary C Green
Phone
6022662248
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in cash surrender value of life insurance policies 534,487.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, under internal revenue code 501(c)(14), from federal and state income taxes. The credit union has filed tax returns in the past for activities it has deemed taxable. The taxing authorities have the ability to assess taxes, penalties, and interest for any years for which no tax return was filed. In the opinion of management, any liability resulting from taxing authorities imposing income taxes on the net taxable income from activities potentially deemed to be unrelated to the credit union's exempt purpose is not expected to have a material effect on the credit union's financial position or results of operations. The credit union evaluated its tax positions and determined no uncertain tax positions exist as of december 31, 2019 and 2018. The credit union's 2016 through 2018 tax years are open for examination by federal and state taxing authorities.”

Raw XML AppendixShowing 400 of 1,049 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/Form990PartVIISectionAGrp/OtherCompensationAmt633267
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt732588
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt832053
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt925069
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1024651
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1118650
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt129838
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt135204
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt142618
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt155799
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt164385
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt173415
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt183546
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt193253
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt203181
IRS990/Form990PartVIISectionAGrp/PersonNm0PHIL JONES
IRS990/Form990PartVIISectionAGrp/PersonNm1LAURIE LENO
IRS990/Form990PartVIISectionAGrp/PersonNm2DOUG RICHARDSON
IRS990/Form990PartVIISectionAGrp/PersonNm3STEVE CROSBY
IRS990/Form990PartVIISectionAGrp/PersonNm4FOREST HAYES
IRS990/Form990PartVIISectionAGrp/PersonNm5LISA STURGIS
IRS990/Form990PartVIISectionAGrp/PersonNm6MICHAEL POWELL
IRS990/Form990PartVIISectionAGrp/PersonNm7MICHAEL DECIUS
IRS990/Form990PartVIISectionAGrp/PersonNm8FRANK MARZANO
IRS990/Form990PartVIISectionAGrp/PersonNm9STEPHANIE NICKLAUS
IRS990/Form990PartVIISectionAGrp/PersonNm10SCOTT BECKWITH
IRS990/Form990PartVIISectionAGrp/PersonNm11ERIC ZITTEL
IRS990/Form990PartVIISectionAGrp/PersonNm12ANN ANDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm13BONNIE KERN
IRS990/Form990PartVIISectionAGrp/PersonNm14LINDA CRANE NELSON
IRS990/Form990PartVIISectionAGrp/PersonNm15RICK STEVENS
IRS990/Form990PartVIISectionAGrp/PersonNm16SHELLIE WILLIS
IRS990/Form990PartVIISectionAGrp/PersonNm17MICHAEL GEDEON
IRS990/Form990PartVIISectionAGrp/PersonNm18IVAN BARRON
IRS990/Form990PartVIISectionAGrp/PersonNm19RICHARD EVANS
IRS990/Form990PartVIISectionAGrp/PersonNm20JIM BUCK
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1375706
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4226024
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1319576
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1419126
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1515000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1615372
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1715358
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1815000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1915000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2015000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1SR VP CFO (RESIGNED 2/19)
IRS990/Form990PartVIISectionAGrp/TitleTxt2VP TRAINING/ADMINISTRATION
IRS990/Form990PartVIISectionAGrp/TitleTxt3SR VP COO
IRS990/Form990PartVIISectionAGrp/TitleTxt4SR VP CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt5SR VP
IRS990/Form990PartVIISectionAGrp/TitleTxt6SR VP CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt7SR VP CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP BUSINESS BANKING
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP CHIEF CREDIT OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP BUSINESS BANKING
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP CONSUMER LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20VICE CHAIR
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01955
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-2854
IRS990/GainOrLossGrp/SecuritiesAmt03625363
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticOrgsGrp/TotalAmt0326526
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0120080
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt020550164
IRS990/GrossReceiptsAmt087911383
IRS990/GrossRentsGrp/RealAmt0167377
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt023
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InsuranceGrp/TotalAmt0260156
IRS990/IntangibleAssetsGrp/BOYAmt02419439
IRS990/IntangibleAssetsGrp/EOYAmt01870956
IRS990/InterestGrp/TotalAmt01517189
IRS990/InvestmentIncomeGrp/ExclusionAmt05294951
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt05294951
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt08337138
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt06026185
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0173240957
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0256176812
IRS990/IRPDocumentCnt031277
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt028831427
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt025549776
IRS990/LandBldgEquipCostOrOtherBssAmt054381203
IRS990/LegalDomicileStateCd0WA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0122934
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt016924801
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THE CREDIT UNION IS A MEMBER OWNED, NOT FOR PROFIT, COOPERATIVE, OPERATED FOR THE PURPOSE OF CREATING A MEANS WHEREBY MEMBERS CAN PROVIDE EACH OTHER WITH NEEDED FINANCIAL SERVICE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt087000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt030000000
IRS990/NetAssetsOrFundBalancesBOYAmt0156795498
IRS990/NetAssetsOrFundBalancesEOYAmt0171706669
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt03622509
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt03622509
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0167377
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0167377
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt03966093
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01892246
IRS990/OfficeExpensesGrp/TotalAmt02726420
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt032413283
IRS990/OtherAssetsTotalGrp/EOYAmt034537281
IRS990/OtherChangesInNetAssetsAmt0534487
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02356430
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2ATM PROCESSING
IRS990/OtherExpensesGrp/Desc3REPAIRS AND MAINTENANCE
IRS990/OtherExpensesGrp/TotalAmt08632093
IRS990/OtherExpensesGrp/TotalAmt12249531
IRS990/OtherExpensesGrp/TotalAmt21936369
IRS990/OtherExpensesGrp/TotalAmt31878412
IRS990/OtherLiabilitiesGrp/BOYAmt01082747339
IRS990/OtherLiabilitiesGrp/EOYAmt01321005461
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS REVENUE
IRS990/OtherRevenueMiscGrp/ExclusionAmt0593871
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0653234
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt059363
IRS990/OtherRevenueTotalAmt0653234
IRS990/OtherSalariesAndWagesGrp/TotalAmt012901592
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01035673916
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01117322044
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IRS990/PayrollTaxesGrp/TotalAmt01309993
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IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
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IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
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IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST FROM LOANS
IRS990/ProgramServiceRevenueGrp/Desc1INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3NONSUFFICIENT FUNDS AND OVERDRAFT
IRS990/ProgramServiceRevenueGrp/Desc4REVENUE-SHARING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt048552120
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14814518
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt23015550
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt33006130
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4870399
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt048552120
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14814518
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23128837
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt33006130
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4870399
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0113287
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDING BUSINESS LOANS TO 351 MEMBERS TOTALING $254,245,420.
IRS990/ProgSrvcAccomActy3Grp/Desc0MAINTAINING DEPOSITS ON 83,874 MEMBERS AND BUSINESS ACCOUNTS TOTALING $1,321,360,154.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt0129433
IRS990/PYInvestmentIncomeAmt04410097
IRS990/PYOtherExpensesAmt029678627
IRS990/PYOtherRevenueAmt0-135708
IRS990/PYProgramServiceRevenueAmt056864730
IRS990/PYRevenuesLessExpensesAmt011247782
IRS990/PYSalariesCompEmpBnftPaidAmt020083277
IRS990/PYTotalExpensesAmt049891337

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,532,553,283
Liabilities
$1,360,846,614
Net assets
$171,706,669
Revenue
$70,863,648
Expenses
$60,453,057
Net income
$10,410,591
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,110$1,932$177$123$112$10.8
2023Detailed filing. Detailed filing data is available for this year.$1,907$1,742$165$93.1$86.0$7.10
2022Detailed filing. Detailed filing data is available for this year.$1,861$1,705$157$76.7$62.8$13.9
2021Detailed filing. Detailed filing data is available for this year.$1,877$1,678$199$74.6$54.5$20.2
2020Detailed filing. Detailed filing data is available for this year.$1,696$1,507$189$72.8$60.4$12.4
2019Detailed filing. Detailed filing data is available for this year.$1,533$1,361$172$70.9$60.5$10.4
2018Detailed filing. Detailed filing data is available for this year.$1,335$1,178$157$61.1$49.9$11.2
2017Detailed filing. Detailed filing data is available for this year.$1,246$1,100$146$54.0$46.8$7.27
2016Detailed filing. Detailed filing data is available for this year.$1,199$1,060$139$52.6$45.2$7.43
2015Detailed filing. Detailed filing data is available for this year.$1,148$1,017$132$50.5$43.0$7.49
2014Detailed filing. Detailed filing data is available for this year.$1,103$977$126$47.6$41.4$6.23
2013Detailed filing. Detailed filing data is available for this year.$1,067$954$113$46.0$41.2$4.80
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$793$699$93.9$31.5
2011Summary only. Only limited summary data is available for this year.$756$666$90.0$38.7$34.4$4.38
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$742$659$83.6$41.6