Civic Intelligence

Oregonians Credit Union

990 • Fiscal year 2017 • EIN 93-0241933

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 14, 2018

6915 SE Lake RoadMilwaukie, OR 97267

(503) 239-5336

Siviq Scores

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

Liabilities / Assets

27th percentile

0.87x

Higher debt load relative to assets than 27% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

97th percentile

27.44x

Higher debt load relative to revenue than 97% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

17th percentile

6.0%

Higher net margin than 17% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

11th percentile

$238,964

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 2.4% of source-year revenue.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Asset Growth

14th percentile

1.4%

Faster asset growth than 14% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

28th percentile

4.9%

Faster revenue growth than 28% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Assets

Up

$307,677,137

Up $4,362,366 (+1.4%) from 2016

Net Assets

Up

$38,530,727

Up $589,961 (+1.6%) from 2016

Liabilities

Up

$269,146,410

Up $3,772,405 (+1.4%) from 2016

Revenue

Up

$9,808,985

Up $455,932 (+4.9%) from 2016

Expenses

Up

$9,218,293

Up $710,039 (+8.3%) from 2016

Net Income

Down

$590,692

Down $254,107 (-30%) 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 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

2017

Assets$307,677,137
Liabilities$269,146,410
Net Assets$38,530,727

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 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

2017

Revenue$9,808,985
Expenses$9,218,293
Net Income$590,692
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 14, 2018
Return Version
2017v2.2
Gross Receipts
$9,808,985
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$131,950,498$148,754,902▲ $16,804,404
Investments in Publicly Traded Securities$117,644,440$102,096,870▼ $15,547,570
Rtn Earn Endowment Incm Other Fnds$37,940,766$38,530,727▲ $589,961
Savings and Temporary Cash Investments$20,372,286$24,741,793▲ $4,369,507
Cash and Non-Interest-Bearing Accounts$13,196,067$12,528,719▼ $667,348
Land, Buildings, and Equipment, Net$5,463,122$5,473,664▲ $10,542
Prepaid Expenses and Deferred Charges$489,511$509,540▲ $20,029
Intangible Assets$274,201$274,201→ $0
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$303,314,771$307,677,137▲ $4,362,366
Other Assets Total$13,924,646$13,297,448▼ $627,198
Liabilities
Other Liabilities$264,216,843$267,729,880▲ $3,513,037
Accounts Payable and Accrued Expenses$1,039,176$1,324,886▲ $285,710
Escrow Account Liability$117,986$91,644▼ $26,342
Total Liabilities$265,374,005$269,146,410▲ $3,772,405
Net Assets / Fund Balance
Total Net Assets Fund Balance$37,940,766$38,530,727▲ $589,961
Total Liabilities and Net Assets / Fund Balance$303,314,771$307,677,137▲ $4,362,366

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,136,094$1,229,939$4,366,033
Equipment$365,340$2,643,690$3,009,030
Land$1,972,230-$1,972,230
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Charles GarnerRetired CEOFT$205,163$33,801$238,964
Milton LauniusCEOFT$144,004$19,350$163,354
Jeffrey SchwarzCFOFT$123,075$21,165$144,240

Board Members and Trustees

NameTitle
John VincentChairman
Charles GarnerPresident/CEO
Jeff CoffmanVICE Chairman
Brian MillerDirector
Don RocheleauDirector
Jim McbrideDirector
Trish RolinDirector
Alicia AndersonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,268,780
Investment Income
$2,522,242
Other Revenue
$17,963
Change in Net Assets
$590,692

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,808,985
Total Revenue per Audited Statements
$9,808,985
Total Revenue per Form 990
$9,808,985
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,990,786
Salaries, Compensation, and Employee Benefits$4,227,507
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$2,807,041--$2,807,041
All Other Expenses$1,101,064--$1,101,064
Occupancy$784,055--$784,055
Current Officers, Directors, Trustees, and Key Employees$546,558--$546,558
Office Expenses$506,049--$506,049
Interest$443,963--$443,963
Other Employee Benefits$408,755--$408,755
Other Expenses$403,216--$403,216
Payroll Taxes$269,032--$269,032
Pension Plan Contributions$196,121--$196,121
Depreciation Depletion$150,279--$150,279
Travel$14,685--$14,685
Total Functional Expenses$9,218,293$0$0$9,218,293

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$9,218,293
Total Expenses per Audited Statements$9,218,293
Total Expenses per Form 990$9,218,293
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposits$267,729,880
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
Jeffrey Schwarz
Title
CFO
Signed
2018-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Milton Launius
Formed
1936
Legal Domicile
Or
Voting Board Members
7
Independent Board Members
7
Employees
87
Volunteers
12

Preparer

Firm
Daren B Tanner Pc
Address
1915 NE STUCKI AVE 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 = $45193; Column (B) - Program Services = $45193; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

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

DUES AND SUBSCRIPTIONS: Column (A) - Total = $44494; Column (B) - Program Services = $44494; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

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

MEMBER EDUCATION: Column (A) - Total = $235572; Column (B) - Program Services = $235572; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

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

Postage and Shipping: Column (A) - Total = $105677; Column (B) - Program Services = $105677; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

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

PROFESSIONAL SERVICES: Column (A) - Total = $234990; Column (B) - Program Services = $234990; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

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

SECURITY AND ALARM: Column (A) - Total = $69666; Column (B) - Program Services = $69666; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

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

SHARED BRANCHING EXPENSES: Column (A) - Total = $56927; Column (B) - Program Services = $56927; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

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

STAFF TRAINING: Column (A) - Total = $60130; Column (B) - Program Services = $60130; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

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

STATEMENT PROCESSING: Column (A) - Total = $45592; Column (B) - Program Services = $45592; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

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

TELECOMMUNICATIONS: Column (A) - Total = $202823; Column (B) - Program Services = $202823; 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/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt09808985
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0true
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/BOYAmt0274201
IRS990/IntangibleAssetsGrp/EOYAmt0274201
IRS990/InterestGrp/ProgramServicesAmt0443963
IRS990/InterestGrp/TotalAmt0443963
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02522242
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02522242
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0117644440
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0102096870
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt04106
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03873629
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05463122
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05473664
IRS990/LandBldgEquipCostOrOtherBssAmt09347293
IRS990/LegalDomicileStateCd0OR
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
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.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt037940766
IRS990/NetAssetsOrFundBalancesEOYAmt038530727
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt0-7856
IRS990/NetUnrlzdGainsLossesInvstAmt0-731
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt0784055
IRS990/OccupancyGrp/TotalAmt0784055
IRS990/OfficeExpensesGrp/ProgramServicesAmt0506049
IRS990/OfficeExpensesGrp/TotalAmt0506049
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt013924646
IRS990/OtherAssetsTotalGrp/EOYAmt013297448
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0408755
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0408755
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc1EXCHANGE FEES
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3SOFTWARE AND EQUIPMENT MAINTEN
IRS990/OtherExpensesGrp/ProgramServicesAmt0700000
IRS990/OtherExpensesGrp/ProgramServicesAmt1474558
IRS990/OtherExpensesGrp/ProgramServicesAmt2412917
IRS990/OtherExpensesGrp/ProgramServicesAmt3403216
IRS990/OtherExpensesGrp/TotalAmt0700000
IRS990/OtherExpensesGrp/TotalAmt1474558
IRS990/OtherExpensesGrp/TotalAmt2412917
IRS990/OtherExpensesGrp/TotalAmt3403216
IRS990/OtherLiabilitiesGrp/BOYAmt0264216843
IRS990/OtherLiabilitiesGrp/EOYAmt0267729880
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0ATM SURCHARGE REVENUE
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt017963
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt017963
IRS990/OtherRevenueTotalAmt017963
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt02807041
IRS990/OtherSalariesAndWagesGrp/TotalAmt02807041
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0131950498
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0148754902
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt0269032
IRS990/PayrollTaxesGrp/TotalAmt0269032
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0196121
IRS990/PensionPlanContributionsGrp/TotalAmt0196121
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0489511
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0509540
IRS990/PrincipalOfficerNm0MILTON LAUNIUS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN & SVC FEE REVENUE
IRS990/ProgramServiceRevenueGrp/Desc1LOAN INTEREST REVENUE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01907691
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt15361089
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01907691
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt15361089
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt02586011
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt04326247
IRS990/PYOtherRevenueAmt07218
IRS990/PYProgramServiceRevenueAmt06759824
IRS990/PYRevenuesLessExpensesAmt0844799
IRS990/PYSalariesCompEmpBnftPaidAmt04182007
IRS990/PYTotalExpensesAmt08508254
IRS990/PYTotalRevenueAmt09353053
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0590692
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt037940766
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt038530727
IRS990/SavingsAndTempCashInvstGrp/BOYAmt020372286
IRS990/SavingsAndTempCashInvstGrp/EOYAmt024741793
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt03136094
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01229939
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04366033
IRS990ScheduleD/EquipmentGrp/BookValueAmt0365340
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02643690
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03009030
IRS990ScheduleD/ExpensesSubtotalAmt09218293
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/LandGrp/BookValueAmt01972230
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01972230
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0267729880
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND DEPOSITS
IRS990ScheduleD/RevenueSubtotalAmt09808985
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/TotalBookValueLandBuildingsAmt05473664
IRS990ScheduleD/TotalExpensesPerForm990Amt09218293
IRS990ScheduleD/TotalLiabilityAmt0267729880
IRS990ScheduleD/TotalRevenuePerForm990Amt09808985
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt09808985
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt09218293
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0205163
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1144004
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt022742
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt112748
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt011059
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt16602
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0CHARLES GARNER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1MILTON LAUNIUS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0Retired CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0238964
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1163354
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 = $45193; Column (B) - Program Services = $45193; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DUES AND SUBSCRIPTIONS: Column (A) - Total = $44494; Column (B) - Program Services = $44494; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7MEMBER EDUCATION: Column (A) - Total = $235572; Column (B) - Program Services = $235572; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Postage and Shipping: Column (A) - Total = $105677; Column (B) - Program Services = $105677; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9PROFESSIONAL SERVICES: Column (A) - Total = $234990; Column (B) - Program Services = $234990; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10SECURITY AND ALARM: Column (A) - Total = $69666; Column (B) - Program Services = $69666; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11SHARED BRANCHING EXPENSES: Column (A) - Total = $56927; Column (B) - Program Services = $56927; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12STAFF TRAINING: Column (A) - Total = $60130; Column (B) - Program Services = $60130; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13STATEMENT PROCESSING: Column (A) - Total = $45592; Column (B) - Program Services = $45592; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14TELECOMMUNICATIONS: Column (A) - Total = $202823; Column (B) - Program Services = $202823; 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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990, Part IX, Line 24e: Other Expenses

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