Civic Intelligence

Oregonians Credit Union

990 • Fiscal year 2016 • EIN 93-0241933

Jan 01, 2016 to Dec 31, 2016 • Filed on May 01, 2017

6915 SE Lake RoadMilwaukie, OR 97267

(503) 239-5336

Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$303,314,771

Flat from 2016

Net Assets

Flat

$37,940,766

Flat from 2016

Liabilities

Flat

$265,374,005

Flat from 2016

Revenue And Expenses

Revenue

Flat

$9,353,053

Flat from 2016

Expenses

Flat

$8,508,254

Flat from 2016

Net Income

Flat

$844,799

Flat from 2016

Historical Trend

Balance Sheet Trend

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

$400M$300M$200M$100M$0Assets 2016: $303,314,771Liabilities 2016: $265,374,005Net Assets 2016: $37,940,7662016Assets 2016: $303,314,771Liabilities 2016: $265,374,005Net Assets 2016: $37,940,7662016Assets 2017: $307,677,137Liabilities 2017: $269,146,410Net Assets 2017: $38,530,7272017Assets 2018: $304,043,707Liabilities 2018: $264,070,133Net Assets 2018: $39,973,5742018Assets 2019: $301,162,791Liabilities 2019: $258,522,230Net Assets 2019: $42,640,5612019Assets 2020: $346,335,540Liabilities 2020: $303,342,525Net Assets 2020: $42,993,0152020Assets 2021: $383,927,608Liabilities 2021: $340,389,104Net Assets 2021: $43,538,5042021Assets 2022: $381,324,647Liabilities 2022: $336,315,398Net Assets 2022: $45,009,2492022Assets 2023: $347,757,503Liabilities 2023: $299,794,949Net Assets 2023: $47,962,5542023Assets 2024: $341,246,165Liabilities 2024: $290,535,925Net Assets 2024: $50,710,2402024

Highlighted filing

2016

Assets$303,314,771
Liabilities$265,374,005
Net Assets$37,940,766

Operations Trend

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

$20M$15M$10M$5.0M$0Revenue 2016: $9,353,053Expenses 2016: $8,508,254Net Income 2016: $844,7992016Revenue 2016: $9,353,053Expenses 2016: $8,508,254Net Income 2016: $844,7992016Revenue 2017: $9,808,985Expenses 2017: $9,218,293Net Income 2017: $590,6922017Revenue 2018: $11,582,457Expenses 2018: $10,025,077Net Income 2018: $1,557,3802018Revenue 2019: $12,661,641Expenses 2019: $10,064,130Net Income 2019: $2,597,5112019Revenue 2020: $11,231,821Expenses 2020: $10,919,937Net Income 2020: $311,8842020Revenue 2021: $10,903,249Expenses 2021: $10,092,730Net Income 2021: $810,5192021Revenue 2022: $11,837,006Expenses 2022: $10,328,132Net Income 2022: $1,508,8742022Revenue 2023: $15,971,238Expenses 2023: $13,111,680Net Income 2023: $2,859,5582023Revenue 2024: $17,819,181Expenses 2024: $15,285,173Net Income 2024: $2,534,0082024

Highlighted filing

2016

Revenue$9,353,053
Expenses$8,508,254
Net Income$844,799
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 1, 2017
Return Version
2016v3.0
Gross Receipts
$9,353,053
Mission and Program Overview

Mission

The credit union encourages thrift among its members, provides credit at fair and reasonable rates of interest, and provides an opportunity for members to use and control their own money in order to improve their economic and social condition.

The credit union provides low cost retail financial services to over 20,800 owner/members who primarily reside in 13 oregon counties. Services include consumer, business and credit card loans as well as checking and savings programs, and debit card services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$96,781,706$131,950,498▲ $35,168,792
Investments in Publicly Traded Securities$138,952,166$117,644,440▼ $21,307,726
Rtn Earn Endowment Incm Other Fnds$37,113,645$37,940,766▲ $827,121
Savings and Temporary Cash Investments$31,565,539$20,372,286▼ $11,193,253
Cash and Non-Interest-Bearing Accounts$12,357,505$13,196,067▲ $838,562
Land, Buildings, and Equipment, Net$5,813,620$5,463,122▼ $350,498
Prepaid Expenses and Deferred Charges$539,774$489,511▼ $50,263
Intangible Assets$330,174$274,201▼ $55,973
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Inventories for Sale or Use-$0-
Total Assets$299,972,009$303,314,771▲ $3,342,762
Other Assets Total$13,631,525$13,924,646▲ $293,121
Liabilities
Other Liabilities$261,689,622$264,216,843▲ $2,527,221
Accounts Payable and Accrued Expenses$1,042,098$1,039,176▼ $2,922
Escrow Account Liability$126,644$117,986▼ $8,658
Total Liabilities$262,858,364$265,374,005▲ $2,515,641
Net Assets / Fund Balance
Total Net Assets Fund Balance$37,113,645$37,940,766▲ $827,121
Total Liabilities and Net Assets / Fund Balance$299,972,009$303,314,771▲ $3,342,762

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,198,382$1,166,938$4,365,320
Equipment$292,510$2,493,842$2,786,352
Land$1,972,230-$1,972,230
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Charles GarnerPresident & CEOFT$186,173$32,499$218,672
Milton LauniusCOOFT$140,293$14,069$154,362
Jeffrey SchwarzCFOFT$130,944$11,843$142,787
Maria SwansonVP ComplianceFT$78,747$24,596$103,343
Charlotte ShinnVP Bus DevelopFT$78,463$15,186$93,649

Board Members and Trustees

NameTitle
John VincentChairman
Jeff CoffmanVICE Chairman
Don RocheleauDirector
Jim McbrideDirector
Trish RolinDirector
Alicia AndersonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,767,042
Investment Income
$2,586,011
Other Revenue
$0
Change in Net Assets
$844,799

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,353,053
Total Revenue per Audited Statements
$9,353,053
Total Revenue per Form 990
$9,353,053
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,326,247
Salaries, Compensation, and Employee Benefits$4,182,007
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$2,645,254--$2,645,254
All Other Expenses$965,573--$965,573
Occupancy$739,338--$739,338
Current Officers, Directors, Trustees, and Key Employees$712,812--$712,812
Interest$504,900--$504,900
Other Employee Benefits$484,415--$484,415
Office Expenses$444,979--$444,979
Payroll Taxes$286,229--$286,229
Other Expenses$210,922--$210,922
Depreciation Depletion$166,695--$166,695
Insurance$109,960--$109,960
Pension Plan Contributions$53,297--$53,297
Conferences and Meetings$16,746--$16,746
Total Functional Expenses$8,508,254$0$0$8,508,254

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$8,508,254
Total Expenses per Audited Statements$8,508,254
Total Expenses per Form 990$8,508,254
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
Lobbying activity
No
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$3,000
Total Exempt Function Spending$3,000

Section 527 Organizations

OrganizationLocationAmount
93-0953356Tigard, OR$3,000
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposits$264,216,843
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 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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

Oregonians credit union is a member-owned not for profit financial cooperative.

Form 990, Part VI, Line 11B: Form 990 Review Process

Form 990 is reviewed by management, then submitted to the board of directors for review and approval.

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

The credit union has implemented a board code of ethics policy.

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

The board compensation committee reviews senior management compensation.

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

Documents are made available to members and other interested parties upon request.

Filing and Contact Details

Filer

Filer Name
Oregonians Credit Union
EIN
93-0241933
Phone
5032395336
Address
6915 SE LAKE ROAD, MILWAUKIE, OR 97267

Signing Officer

Name
Charles Garner
Title
President & CEO
Signed
2017-05-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Charles Garner
Formed
1936
Legal Domicile
Or
Voting Board Members
7
Independent Board Members
7
Employees
97
Volunteers
14

Preparer

Firm
Daren B Tanner Pc
Address
1915 NW AmberGlen Pkwy Ste 290, Beaverton, OR 97006
Preparer
Daren B Tanner
Phone
5033523255
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E: Other Expenses

BANK CHARGES: Column (A) - Total = $51477; Column (B) - Program Services = $51477; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E: Other Expenses

DUES AND SUBSCRIPTIONS: Column (A) - Total = $55914; Column (B) - Program Services = $55914; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E: Other Expenses

Postage and Shipping: Column (A) - Total = $123551; Column (B) - Program Services = $123551; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E: Other Expenses

PROFESSIONAL SERVICES: Column (A) - Total = $151764; Column (B) - Program Services = $151764; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E: Other Expenses

PROVISION FOR LOAN LOSSES: Column (A) - Total = $135000; Column (B) - Program Services = $135000; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E: Other Expenses

SECURITY AND ALARM: Column (A) - Total = $71712; Column (B) - Program Services = $71712; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E: Other Expenses

SHARED BRANCHING EXPENSES: Column (A) - Total = $57789; Column (B) - Program Services = $57789; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E: Other Expenses

STAFF TRAINING: Column (A) - Total = $60665; Column (B) - Program Services = $60665; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E: Other Expenses

STATEMENT PROCESSING: Column (A) - Total = $63510; Column (B) - Program Services = $63510; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Form 990, Part IX, Line 24E: Other Expenses

TELECOMMUNICATIONS: Column (A) - Total = $194191; Column (B) - Program Services = $194191; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Financial Statement Notes

Part IV, Line 2B: Explanation of escrow account liability

Escrow funds are collected on behalf of members for real estate tax and insurance expenses and are included in the balance sheet.

Part X : FIN48 Footnote

The credit union is exempt by statute from federal taxation of income from the performance of activities that are in furtherance of its exempt purpose under its oregon state charter as permitted by irc section 501(c)(14). Management has determined there are no material uncertain tax positions.

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IRS990/InsuranceGrp/ProgramServicesAmt0109960
IRS990/InsuranceGrp/TotalAmt0109960
IRS990/IntangibleAssetsGrp/BOYAmt0330174
IRS990/IntangibleAssetsGrp/EOYAmt0274201
IRS990/InterestGrp/ProgramServicesAmt0504900
IRS990/InterestGrp/TotalAmt0504900
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IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02586011
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02586011
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IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
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IRS990/InvestmentsPubTradedSecGrp/EOYAmt0117644440
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IRS990/IRPDocumentCnt04799
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt05463122
IRS990/LandBldgEquipCostOrOtherBssAmt09123902
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IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
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IRS990/MissionDesc0THE CREDIT UNION ENCOURAGES THRIFT AMONG ITS MEMBERS, PROVIDES CREDIT AT FAIR AND REASONABLE RATES OF INTEREST, AND PROVIDES AN OPPORTUNITY FOR MEMBERS TO USE AND CONTROL THEIR OWN MONEY IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION.
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IRS990/OccupancyGrp/ProgramServicesAmt0739338
IRS990/OccupancyGrp/TotalAmt0739338
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IRS990/OfficeExpensesGrp/TotalAmt0444979
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IRS990/OtherAssetsTotalGrp/BOYAmt013631525
IRS990/OtherAssetsTotalGrp/EOYAmt013924646
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0484415
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0484415
IRS990/OtherExpensesGrp/Desc0EXCHANGE FEES
IRS990/OtherExpensesGrp/Desc1SOFTWARE AND EQUIPMENT MAINTEN
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3MEMBER EDUCATION
IRS990/OtherExpensesGrp/ProgramServicesAmt0444102
IRS990/OtherExpensesGrp/ProgramServicesAmt1381595
IRS990/OtherExpensesGrp/ProgramServicesAmt2341437
IRS990/OtherExpensesGrp/ProgramServicesAmt3210922
IRS990/OtherExpensesGrp/TotalAmt0444102
IRS990/OtherExpensesGrp/TotalAmt1381595
IRS990/OtherExpensesGrp/TotalAmt2341437
IRS990/OtherExpensesGrp/TotalAmt3210922
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IRS990/OtherLiabilitiesGrp/EOYAmt0264216843
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IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt02645254
IRS990/OtherSalariesAndWagesGrp/TotalAmt02645254
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt096781706
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0131950498
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IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt0286229
IRS990/PayrollTaxesGrp/TotalAmt0286229
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt053297
IRS990/PensionPlanContributionsGrp/TotalAmt053297
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
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IRS990/PoliticalCampaignActyInd0true
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0539774
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0489511
IRS990/PrincipalOfficerNm0CHARLES GARNER
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN & SERVICE FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc1LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01936611
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14830431
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14830431
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IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
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IRS990/ReconcilationRevenueExpnssAmt0844799
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/ReportOtherLiabilitiesInd0true
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IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt037113645
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt037940766
IRS990/SavingsAndTempCashInvstGrp/BOYAmt031565539
IRS990/SavingsAndTempCashInvstGrp/EOYAmt020372286
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleC/Form1120POLFiledInd0false
IRS990ScheduleC/InternalFundsContributedAmt03000
IRS990ScheduleC/PoliticalExpendituresAmt03000
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0930953356
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CU LEGISLATIVE ACTION FUND
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt03000
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt013221 SW 68TH PKWAY 400
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0TIGARD
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0OR
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd097223
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0The CU Legislative Action Fund supports state legislative candidates based on their support of Oregon credit union initiatives to improved credit union service to member/owners.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I-A, Line 1 - Direct and Indirect Political Campaign Activities
IRS990ScheduleC/TotalExemptFunctionExpendAmt03000
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt03198382
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01166938
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04365320
IRS990ScheduleD/EquipmentGrp/BookValueAmt0292510
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02493842
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02786352
IRS990ScheduleD/ExpensesSubtotalAmt08508254
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/LandGrp/BookValueAmt01972230
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01972230
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0264216843
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND DEPOSITS
IRS990ScheduleD/RevenueSubtotalAmt09353053
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0ESCROW FUNDS ARE COLLECTED ON BEHALF OF MEMBERS FOR REAL ESTATE TAX AND INSURANCE EXPENSES AND ARE INCLUDED IN THE BALANCE SHEET.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL TAXATION OF INCOME FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSE UNDER ITS OREGON STATE CHARTER AS PERMITTED BY IRC SECTION 501(C)(14). MANAGEMENT HAS DETERMINED THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part IV, Line 2b: Explanation of escrow account liability
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Part X : FIN48 Footnote
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05463122
IRS990ScheduleD/TotalExpensesPerForm990Amt08508254
IRS990ScheduleD/TotalLiabilityAmt0264216843
IRS990ScheduleD/TotalRevenuePerForm990Amt09353053
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt09353053
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt08508254
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0186173
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1140293
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt025000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt18715
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt04796
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt14796
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt02703
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt1558
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0CHARLES GARNER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1MILTON LAUNIUS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0President & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1COO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0218672
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1154362
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0true
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0OREGONIANS CREDIT UNION IS A MEMBER-OWNED NOT FOR PROFIT FINANCIAL COOPERATIVE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1FORM 990 IS REVIEWED BY MANAGEMENT, THEN SUBMITTED TO THE BOARD OF DIRECTORS FOR REVIEW AND APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION HAS IMPLEMENTED A BOARD CODE OF ETHICS POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD COMPENSATION COMMITTEE REVIEWS SENIOR MANAGEMENT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DOCUMENTS ARE MADE AVAILABLE TO MEMBERS AND OTHER INTERESTED PARTIES UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BANK CHARGES: Column (A) - Total = $51477; Column (B) - Program Services = $51477; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DUES AND SUBSCRIPTIONS: Column (A) - Total = $55914; Column (B) - Program Services = $55914; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Postage and Shipping: Column (A) - Total = $123551; Column (B) - Program Services = $123551; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8PROFESSIONAL SERVICES: Column (A) - Total = $151764; Column (B) - Program Services = $151764; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9PROVISION FOR LOAN LOSSES: Column (A) - Total = $135000; Column (B) - Program Services = $135000; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10SECURITY AND ALARM: Column (A) - Total = $71712; Column (B) - Program Services = $71712; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11SHARED BRANCHING EXPENSES: Column (A) - Total = $57789; Column (B) - Program Services = $57789; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12STAFF TRAINING: Column (A) - Total = $60665; Column (B) - Program Services = $60665; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13STATEMENT PROCESSING: Column (A) - Total = $63510; Column (B) - Program Services = $63510; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14TELECOMMUNICATIONS: Column (A) - Total = $194191; Column (B) - Program Services = $194191; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management

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