Civic Intelligence

Point West Credit Union

990 • Fiscal year 2014 • EIN 93-0232289

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 13, 2015

Organization ProfileWWW.POINTWESTCU.COM

View Organization Page

718 NE 12th AvenuePortland, OR 97232

(503) 546-5000

Siviq Scores

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

Liabilities / Assets

99th percentile

0.93x

Higher debt load relative to assets than 99% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Liabilities / Revenue

55th percentile

19.57x

Higher debt load relative to revenue than 55% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Net Margin

57th percentile

12%

Higher net margin than 57% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Top Officer Pay

56th percentile

$135,048

Higher top officer pay than 56% of similar nonprofits.

Top officer pay equals 3.0% of source-year revenue.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Asset Growth

61st percentile

3.6%

Faster asset growth than 61% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Revenue Growth

36th percentile

-1.6%

Faster revenue growth than 36% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets99th percentile

Assets

Up

$93,966,059

Up $3,251,483 (+3.6%) from 2013

Net Assets

Up

$6,297,633

Up $829,198 (+15%) from 2013

Liabilities

Up

$87,668,426

Up $2,422,285 (+2.8%) from 2013

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin57th percentile

Revenue

Down

$4,480,692

Down $70,697 (-1.6%) from 2013

Expenses

Down

$3,959,388

Down $185,086 (-4.5%) from 2013

Net Income

Up

$521,304

Up $114,389 (+28%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth61st percentile

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

$150M$100M$50M$0Assets 2010: $82,934,859Liabilities 2010: $79,179,379Net Assets 2010: $3,755,4802010Assets 2011: $84,301,325Liabilities 2011: $79,421,316Net Assets 2011: $4,880,0092011Assets 2012: $86,319,973Liabilities 2012: $80,865,806Net Assets 2012: $5,454,1672012Assets 2013: $90,714,576Liabilities 2013: $85,246,141Net Assets 2013: $5,468,4352013Assets 2014: $93,966,059Liabilities 2014: $87,668,426Net Assets 2014: $6,297,6332014Assets 2015: $92,717,647Liabilities 2015: $86,117,519Net Assets 2015: $6,600,1282015Assets 2016: $98,884,895Liabilities 2016: $89,606,516Net Assets 2016: $9,278,3792016Assets 2017: $102,212,196Liabilities 2017: $93,744,657Net Assets 2017: $8,467,5392017Assets 2018: $97,952,437Liabilities 2018: $90,469,574Net Assets 2018: $7,482,8632018Assets 2019: $93,191,819Liabilities 2019: $84,913,920Net Assets 2019: $8,277,8992019Assets 2020: $105,048,611Liabilities 2020: $96,069,021Net Assets 2020: $8,979,5902020Assets 2021: $111,617,221Liabilities 2021: $102,211,878Net Assets 2021: $9,405,3432021Assets 2022: $107,931,239Liabilities 2022: $97,503,417Net Assets 2022: $10,427,8222022Assets 2023: $109,968,841Liabilities 2023: $99,117,527Net Assets 2023: $10,851,3142023Assets 2024: $110,377,484Liabilities 2024: $98,678,447Net Assets 2024: $11,699,0372024

Highlighted filing

2014

Assets$93,966,059
Liabilities$87,668,426
Net Assets$6,297,633
Open 2014 Filing

Operations Trend

Revenue Growth36th percentile

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

$10M$5.0M$0-$5.0MExpenses 2010: $6,426,5122010Revenue 2011: $5,557,986Expenses 2011: $4,444,730Net Income 2011: $1,113,2562011Expenses 2012: $4,275,6112012Revenue 2013: $4,551,389Expenses 2013: $4,144,474Net Income 2013: $406,9152013Revenue 2014: $4,480,692Expenses 2014: $3,959,388Net Income 2014: $521,3042014Revenue 2015: $4,533,044Expenses 2015: $4,274,034Net Income 2015: $259,0102015Revenue 2016: $7,028,604Expenses 2016: $4,394,328Net Income 2016: $2,634,2762016Revenue 2017: $5,327,394Expenses 2017: $6,084,178Net Income 2017: -$756,7842017Revenue 2018: $5,730,922Expenses 2018: $6,710,183Net Income 2018: -$979,2612018Revenue 2019: $5,546,781Expenses 2019: $4,748,598Net Income 2019: $798,1832019Revenue 2020: $5,045,652Expenses 2020: $4,329,793Net Income 2020: $715,8592020Revenue 2021: $5,029,583Expenses 2021: $4,601,934Net Income 2021: $427,6492021Revenue 2022: $5,970,956Expenses 2022: $4,941,470Net Income 2022: $1,029,4862022Revenue 2023: $6,329,547Expenses 2023: $5,893,585Net Income 2023: $435,9622023Revenue 2024: $7,778,023Expenses 2024: $6,933,495Net Income 2024: $844,5282024

Highlighted filing

2014

Revenue$4,480,692
Expenses$3,959,388
Net Income$521,304
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 13, 2015
Return Version
2014v5.0
Gross Receipts
$4,982,873
Mission and Program Overview

Mission

To promote thrift among members by affording them the opportunity for accumulating their savings, to create for them a source of credit at a fair and reasonable rate of interest and to provide the opportunity for the members to use and control their money in order to improve their economic and social condition.

To perform credit union activities to benefit the members of the credit union and maintain the financial integrity of the credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$58,676,750$61,887,340▲ $3,210,590
Cash and Non-Interest-Bearing Accounts$9,032,087$12,628,144▲ $3,596,057
Savings and Temporary Cash Investments$9,042,072$7,459,075▼ $1,582,997
Rtn Earn Endowment Incm Other Fnds$5,468,435$6,297,633▲ $829,198
Investments in Publicly Traded Securities$7,074,391$5,453,487▼ $1,620,904
Land, Buildings, and Equipment, Net$3,441,549$3,412,310▼ $29,239
Receivables From Officers Etc$1,221,873$616,481▼ $605,392
Investments Other Securities$655,729$447,729▼ $208,000
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$90,714,576$93,966,059▲ $3,251,483
Other Assets Total$1,570,125$2,061,493▲ $491,368
Liabilities
Other Liabilities$84,753,910$86,500,918▲ $1,747,008
Mortgage Notes Payable Secured by Investment Property$0$695,506▲ $695,506
Accounts Payable and Accrued Expenses$492,231$472,002▼ $20,229
Total Liabilities$85,246,141$87,668,426▲ $2,422,285
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,468,435$6,297,633▲ $829,198
Total Liabilities and Net Assets / Fund Balance$90,714,576$93,966,059▲ $3,251,483

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,262,106$703,952$1,966,058
Land$1,865,074-$1,865,074
Other Land Buildings$201,531$1,619,835$1,821,366
Equipment$36,024$603,945$639,969
Leasehold Improvements$47,575$14,961$62,536
Compensation and Service Providers
Top Officer Pay56th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Amy NelsonCEO, TreasurerFT$123,876$11,172$135,048
Brian GriffisVP Finance & AdministrationFT$76,052$217$76,269
Nick HodsonCFOFT$50,586$2,170$52,756

Board Members and Trustees

NameTitle
John SavoryChair
Jake HammerVice Chair
Daniel HeinBoard Member
Graham EichmanBoard Member
Lewis TycerBoard Member
Sharon CowleyBoard Member
Susan BrownBoard Member
Walter Sofko JrBoard Member
George HagerSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Visa USA INCCard Payment ServicesPO BOX 742233, Los Angeles, CA 90074-2233$222,031
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,220,179
Investment Income
$260,513
Other Revenue
$0
Change in Net Assets
$521,304

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,480,692
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$4,480,692
Total Revenue per Form 990
$4,480,692
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,288,860
Salaries, Compensation, and Employee Benefits$1,657,274
Grants and Similar Amounts Paid$13,254
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,137,362
Fees for Services Other---$288,235
Interest---$280,486
Current Officers, Directors, Trustees, and Key Employees---$264,073
Occupancy---$169,034
Office Expenses---$147,841
Other Employee Benefits---$145,994
Depreciation Depletion---$145,065
Payroll Taxes---$109,845
All Other Expenses---$105,496
Insurance---$89,076
Advertising---$82,466
Fees for Services Accounting---$58,131
Fees for Services Legal---$23,991
Information Technology---$21,054
Conferences and Meetings---$16,368
Grants to Domestic Orgs---$13,254
Other Expenses---$-74,851
Total Functional Expenses$0$0$0$3,959,388

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,959,388
Total Expenses per Audited Statements$3,959,388
Total Expenses per Form 990$3,959,388
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,221,873$616,481▼ $605,392
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARE AND SAVINGS ACCOUNTS$86,500,918
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Several board members have business relationships.”

Form 990, Part VI, Section A, Line 6

“The credit union has one class of members.”

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

“The credit union membership elects the board of directors from among the credit union membership.”

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

“The decision to merge with another entity is reserved for the credit union's membership.”

Form 990, Part VI, Section B, Line 11

“The ceo and vp of finance & administration perform a comprehensive review of the form 990 before filing, including analysis of income and expense source and use.”

Form 990, Part VI, Section B, Line 12

“If a board member provides professional services to the credit union, the credit union obtains bids and reasonable assurance by management whether or not to obtain or continue services from the board member. Management is responsible for reporting potential conflicts to the board of directors or the state of oregon department of finance and corporate securities.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents, conflict of interest policy and financial statements are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Point West Credit Union
EIN
93-0232289
Phone
5035465000
Address
718 NE 12TH AVENUE, PORTLAND, OR 97232

Signing Officer

Name
Brian Griffis
Title
VP of Finance & Administration
Phone
5035465000
Signed
2015-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Amy Nelson
Formed
1996
Legal Domicile
Or
Voting Board Members
7
Independent Board Members
7
Employees
28
Volunteers
10

Preparer

Firm
Moss Adams Llp
Address
805 SW BROADWAY STE 1200, PORTLAND, OR 97205
Preparer
Rebecca Griffith
Phone
5032421447
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“Fin 48 (asc 740) footnote - the credit union had no unrecognized tax benefits at december 31, 2014 and 2013. Interest and penalties related to unrecognized tax benefits are recognized by the credit union as an administrative expense. During the years ended december 31, 2014 and 2013, the credit union recognized no interest and penalties.”

Raw XML AppendixShowing 400 of 428 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/InvestmentsOtherSecuritiesGrp/EOYAmt0447729
IRS990/InvestmentsPubTradedSecGrp/BOYAmt07074391
IRS990/InvestmentsPubTradedSecGrp/EOYAmt05453487
IRS990/IRPDocumentCnt01254
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02942693
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03441549
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03412310
IRS990/LandBldgEquipCostOrOtherBssAmt06355003
IRS990/LegalDomicileStateCd0OR
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0502181
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROMOTE THRIFT AMONG MEMBERS BY AFFORDING THEM THE OPPORTUNITY FOR ACCUMULATING THEIR SAVINGS, TO CREATE FOR THEM A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND TO PROVIDE THE OPPORTUNITY FOR THE MEMBERS TO USE AND CONTROL THEIR MONEY IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt0695506
IRS990/NetAssetsOrFundBalancesBOYAmt05468435
IRS990/NetAssetsOrFundBalancesEOYAmt06297633
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt016456
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt016456
IRS990/NetUnrelatedBusTxblIncmAmt0-4433
IRS990/NetUnrlzdGainsLossesInvstAmt0307894
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0169034
IRS990/OfficeExpensesGrp/TotalAmt0147841
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01570125
IRS990/OtherAssetsTotalGrp/EOYAmt02061493
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0145994
IRS990/OtherExpensesGrp/Desc0MEMBER PRODUCT EXPENSE
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc2DUES
IRS990/OtherExpensesGrp/Desc3LOAN LOSS PROVISION
IRS990/OtherExpensesGrp/TotalAmt0806275
IRS990/OtherExpensesGrp/TotalAmt195980
IRS990/OtherExpensesGrp/TotalAmt234213
IRS990/OtherExpensesGrp/TotalAmt3-74851
IRS990/OtherLiabilitiesGrp/BOYAmt084753910
IRS990/OtherLiabilitiesGrp/EOYAmt086500918
IRS990/OtherSalariesAndWagesGrp/TotalAmt01137362
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt058676750
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt061887340
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0109845
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0AMY NELSON
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE CHARGES & FEES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER NONINTEREST INC
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03072993
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11030054
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt285395
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03072993
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11040696
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2106490
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt010642
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt121095
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt04066
IRS990/PYInvestmentIncomeAmt0234421
IRS990/PYOtherExpensesAmt02513042
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt04316968
IRS990/PYRevenuesLessExpensesAmt0406915
IRS990/PYSalariesCompEmpBnftPaidAmt01627366
IRS990/PYTotalExpensesAmt04144474
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04551389
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01221873
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0616481
IRS990/ReconcilationRevenueExpnssAmt0521304
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05468435
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06297633
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09042072
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07459075
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01262106
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0703952
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01966058
IRS990ScheduleD/EquipmentGrp/BookValueAmt036024
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0603945
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0639969
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt03959388
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt01865074
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01865074
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt047575
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt014961
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt062536
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0201531
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt01619835
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01821366
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt086500918
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARE AND SAVINGS ACCOUNTS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt04480692
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0FIN 48 (ASC 740) FOOTNOTE - THE CREDIT UNION HAD NO UNRECOGNIZED TAX BENEFITS AT DECEMBER 31, 2014 AND 2013. INTEREST AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS ARE RECOGNIZED BY THE CREDIT UNION AS AN ADMINISTRATIVE EXPENSE. DURING THE YEARS ENDED DECEMBER 31, 2014 AND 2013, THE CREDIT UNION RECOGNIZED NO INTEREST AND PENALTIES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03412310
IRS990ScheduleD/TotalExpensesPerForm990Amt03959388
IRS990ScheduleD/TotalLiabilityAmt086500918
IRS990ScheduleD/TotalRevenuePerForm990Amt04480692
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt04480692
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03959388
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0616481
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0TO FUND A SPLIT-DOLLAR LIFE INSURANCE POLICY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0616481
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0AMY NELSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/TotalBalanceDueAmt0616481
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SEVERAL BOARD MEMBERS HAVE BUSINESS RELATIONSHIPS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAS ONE CLASS OF MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION MEMBERSHIP ELECTS THE BOARD OF DIRECTORS FROM AMONG THE CREDIT UNION MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE DECISION TO MERGE WITH ANOTHER ENTITY IS RESERVED FOR THE CREDIT UNION'S MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CEO AND VP OF FINANCE & ADMINISTRATION PERFORM A COMPREHENSIVE REVIEW OF THE FORM 990 BEFORE FILING, INCLUDING ANALYSIS OF INCOME AND EXPENSE SOURCE AND USE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5IF A BOARD MEMBER PROVIDES PROFESSIONAL SERVICES TO THE CREDIT UNION, THE CREDIT UNION OBTAINS BIDS AND REASONABLE ASSURANCE BY MANAGEMENT WHETHER OR NOT TO OBTAIN OR CONTINUE SERVICES FROM THE BOARD MEMBER. MANAGEMENT IS RESPONSIBLE FOR REPORTING POTENTIAL CONFLICTS TO THE BOARD OF DIRECTORS OR THE STATE OF OREGON DEPARTMENT OF FINANCE AND CORPORATE SECURITIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 12
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt090714576
IRS990/TotalAssetsEOYAmt093966059
IRS990/TotalAssetsGrp/BOYAmt090714576
IRS990/TotalAssetsGrp/EOYAmt093966059
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt028
IRS990/TotalFunctionalExpensesGrp/TotalAmt03959388
IRS990/TotalGrossUBIAmt031737
IRS990/TotalLiabilitiesBOYAmt085246141
IRS990/TotalLiabilitiesEOYAmt087668426
IRS990/TotalLiabilitiesGrp/BOYAmt085246141
IRS990/TotalLiabilitiesGrp/EOYAmt087668426
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05468435
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06297633
IRS990/TotalOtherCompensationAmt013559
IRS990/TotalProgramServiceRevenueAmt04220179
IRS990/TotalReportableCompFromOrgAmt0250514
IRS990/TotalRevenueGrp/ExclusionAmt0260513
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04188442
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04480692
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt031737
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt090714576
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt093966059
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0718 NE 12TH AVENUE
IRS990/USAddress/CityNm0PORTLAND
IRS990/USAddress/StateAbbreviationCd0OR
IRS990/USAddress/ZIPCd097232
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.POINTWESTCU.COM

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$93,966,059
Liabilities
$87,668,426
Net assets
$6,297,633
Revenue
$4,480,692
Expenses
$3,959,388
Net income
$521,304
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$110$98.7$11.7$7.78$6.93$0.84
2023Detailed filing. Detailed filing data is available for this year.$110$99.1$10.9$6.33$5.89$0.44
2022Detailed filing. Detailed filing data is available for this year.$108$97.5$10.4$5.97$4.94$1.03
2021Detailed filing. Detailed filing data is available for this year.$112$102$9.41$5.03$4.60$0.43
2020Detailed filing. Detailed filing data is available for this year.$105$96.1$8.98$5.05$4.33$0.72
2019Detailed filing. Detailed filing data is available for this year.$93.2$84.9$8.28$5.55$4.75$0.80
2018Detailed filing. Detailed filing data is available for this year.$98.0$90.5$7.48$5.73$6.71$0.98
2017Detailed filing. Detailed filing data is available for this year.$102$93.7$8.47$5.33$6.08$0.76
2016Detailed filing. Detailed filing data is available for this year.$98.9$89.6$9.28$7.03$4.39$2.63
2015Detailed filing. Detailed filing data is available for this year.$92.7$86.1$6.60$4.53$4.27$0.26
2014Detailed filing. Detailed filing data is available for this year.$94.0$87.7$6.30$4.48$3.96$0.52
2013Detailed filing. Detailed filing data is available for this year.$90.7$85.2$5.47$4.55$4.14$0.41
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$86.3$80.9$5.45$4.28
2011Summary only. Only limited summary data is available for this year.$84.3$79.4$4.88$5.56$4.44$1.11
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$82.9$79.2$3.76$6.43