Civic Intelligence

Onpoint Community Credit Union

990 • Fiscal year 2019 • EIN 93-0257765

Jan 01, 2019 to Dec 31, 2019 • Filed on Jun 15, 2020

Organization ProfileWWW.ONPOINTCU.COM

View Organization Page

PO Box 3750Portland, OR 97208-3750

(503) 273-1764

Siviq Scores

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

Liabilities / Assets

25th percentile

0.88x

Higher debt load relative to assets than 25% of similar nonprofits.

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

Liabilities / Revenue

69th percentile

19.34x

Higher debt load relative to revenue than 69% of similar nonprofits.

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

Net Margin

98th percentile

36%

Higher net margin than 98% of similar nonprofits.

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

Top Officer Pay

97th percentile

$3,183,487

Higher top officer pay than 97% of similar nonprofits.

Top officer pay equals 1.1% of source-year revenue.

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

Asset Growth

85th percentile

14%

Faster asset growth than 85% of similar nonprofits.

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

Revenue Growth

80th percentile

17%

Faster revenue growth than 80% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets25th percentile

Assets

Flat

$6,130,686,655

Flat from 2019

Net Assets

Flat

$764,172,466

Flat from 2019

Liabilities

Flat

$5,366,514,189

Flat from 2019

Revenue And Expenses
Liabilities / Revenue69th percentileNet Margin98th percentile

Revenue

Flat

$277,445,977

Flat from 2019

Expenses

Flat

$177,423,005

Flat from 2019

Net Income

Flat

$100,022,972

Flat from 2019

Historical Trend

Balance Sheet Trend

Asset Growth85th percentile

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

$10B$5.0B$0Assets 2010: $2,841,312,936Liabilities 2010: $2,564,883,007Net Assets 2010: $276,429,9292010Assets 2011: $3,031,046,359Liabilities 2011: $2,727,649,439Net Assets 2011: $303,396,9202011Assets 2012: $3,189,801,202Liabilities 2012: $2,856,565,373Net Assets 2012: $333,235,8292012Assets 2013: $3,356,256,419Liabilities 2013: $3,013,030,080Net Assets 2013: $343,226,3392013Assets 2014: $3,559,804,327Liabilities 2014: $3,165,398,756Net Assets 2014: $394,405,5712014Assets 2015: $3,906,086,689Liabilities 2015: $3,471,626,059Net Assets 2015: $434,460,6302015Assets 2016: $4,561,054,380Liabilities 2016: $4,078,785,361Net Assets 2016: $482,269,0192016Assets 2017: $5,129,362,102Liabilities 2017: $4,582,061,041Net Assets 2017: $547,301,0612017Assets 2018: $5,392,942,516Liabilities 2018: $4,758,742,273Net Assets 2018: $634,200,2432018Assets 2019: $6,130,686,655Liabilities 2019: $5,366,514,189Net Assets 2019: $764,172,4662019Assets 2019: $6,130,686,655Liabilities 2019: $5,366,514,189Net Assets 2019: $764,172,4662019Assets 2020: $7,902,214,326Liabilities 2020: $6,988,221,719Net Assets 2020: $913,992,6072020Assets 2021: $9,040,369,064Liabilities 2021: $8,095,784,682Net Assets 2021: $944,584,3822021Assets 2022: $8,925,586,538Liabilities 2022: $7,993,620,309Net Assets 2022: $931,966,2292022Assets 2023: $8,738,629,867Liabilities 2023: $7,650,433,252Net Assets 2023: $1,088,196,6152023

Highlighted filing

2019

Assets$6,130,686,655
Liabilities$5,366,514,189
Net Assets$764,172,466
Open 2019 Filing

Operations Trend

Revenue Growth80th percentile

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

$600M$400M$200M$0Expenses 2010: $138,038,6552010Expenses 2011: $116,455,5742011Expenses 2012: $114,481,7752012Revenue 2013: $142,693,288Expenses 2013: $108,186,855Net Income 2013: $34,506,4332013Revenue 2014: $143,753,390Expenses 2014: $109,457,154Net Income 2014: $34,296,2362014Revenue 2015: $159,313,488Expenses 2015: $113,632,349Net Income 2015: $45,681,1392015Revenue 2016: $175,333,330Expenses 2016: $124,010,889Net Income 2016: $51,322,4412016Revenue 2017: $201,827,244Expenses 2017: $137,552,577Net Income 2017: $64,274,6672017Revenue 2018: $237,149,429Expenses 2018: $157,111,559Net Income 2018: $80,037,8702018Revenue 2019: $277,445,977Expenses 2019: $177,423,005Net Income 2019: $100,022,9722019Revenue 2019: $277,445,977Expenses 2019: $177,423,005Net Income 2019: $100,022,9722019Revenue 2020: $316,165,709Expenses 2020: $219,345,726Net Income 2020: $96,819,9832020Revenue 2021: $300,691,175Expenses 2021: $219,794,045Net Income 2021: $80,897,1302021Revenue 2022: $325,450,246Expenses 2022: $220,810,338Net Income 2022: $104,639,9082022Revenue 2023: $440,500,839Expenses 2023: $325,109,622Net Income 2023: $115,391,2172023

Highlighted filing

2019

Revenue$277,445,977
Expenses$177,423,005
Net Income$100,022,972
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Jun 15, 2020
Return Version
2019v5.1
Gross Receipts
$294,829,716
Mission and Program Overview

Mission

The purpose of onpoint is to promote the financial well-being of our members by being the preferred provider of consumer products and services and to ensure the safety and soundness of our credit union.

Promote the financial well-being of credit union members through financial products and services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,492,029,631$3,873,949,773▲ $381,920,142
Investments in Publicly Traded Securities$888,316,454$1,493,323,596▲ $605,007,142
Rtn Earn Endowment Incm Other Fnds$634,200,243$764,172,466▲ $129,972,223
Cash and Non-Interest-Bearing Accounts$865,129,884$596,852,690▼ $268,277,194
Investments Other Securities$62,881,000$73,488,327▲ $10,607,327
Land, Buildings, and Equipment, Net$19,450,675$27,566,143▲ $8,115,468
Accounts Receivable$13,474,711$17,891,392▲ $4,416,681
Savings and Temporary Cash Investments$15,238,017$8,514,295▼ $6,723,722
Prepaid Expenses and Deferred Charges$4,217,779$5,395,350▲ $1,177,571
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$5,392,942,516$6,130,686,655▲ $737,744,139
Other Assets Total$32,204,365$33,705,089▲ $1,500,724
Liabilities
Other Liabilities$4,392,877,428$4,781,701,501▲ $388,824,073
Mortgage Notes Payable Secured by Investment Property$296,395,296$499,526,671▲ $203,131,375
Accounts Payable and Accrued Expenses$64,253,841$79,320,193▲ $15,066,352
Escrow Account Liability$2,937,601$4,381,618▲ $1,444,017
Deferred Revenue$2,278,107$1,584,206▼ $693,901
Total Liabilities$4,758,742,273$5,366,514,189▲ $607,771,916
Net Assets / Fund Balance
Total Net Assets Fund Balance$634,200,243$764,172,466▲ $129,972,223
Total Liabilities and Net Assets / Fund Balance$5,392,942,516$6,130,686,655▲ $737,744,139

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$6,873,074$12,390,686$19,263,760
Leasehold Improvements$6,002,574$11,470,644$17,473,218
Other Land Buildings$8,997,979$265,361$9,263,340
Land$3,577,511-$3,577,511
Buildings$2,115,005$1,338,958$3,453,963
Compensation and Service Providers
Top Officer Pay97th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
R StuartPresident/CEOFT$633,450$2,550,037$3,183,487
J HuntSVP/chief Financial OfficerFT$283,510$1,798,632$2,082,142
T McvaySVP/chief Retail OfficerFT$319,757$1,156,812$1,476,569
J ArmstrongSVP/chief Information OfficerFT$283,097$926,904$1,210,001
S OwenSVP/chief Operations OfficerFT$180,396$648,341$828,737
M DebuhrVP/regional ManagerFT$128,137$614,688$742,825
S LeugersSVP/chief Lending OfficerFT$241,463$468,368$709,831
V ErvinSVP/chief Compliance OfficerFT$215,775$480,001$695,776
A EmersonVP/onpoint MortgageFT$126,383$567,939$694,322
K LuidhardtMortgage Loan OfficerFT$370,587$406,900$406,900
M LindsayVP/wealth ManagementFT$133,024$257,442$390,466
J RodgersMortgage Sales ManagerFT$60,000$322,014$382,014
J DunckleySVP/chief Talent OfficerFT$153,796$89,343$243,139
T TsurutaBoard SecretaryPT$39,679-$39,679
S GoldschmidtDirectorPT$35,275-$35,275
L JohnsonBoard ChairPT$33,951-$33,951
M MroczekBoard Vice ChairPT$30,207-$30,207
K ThomajanDirectorPT$29,000-$29,000
S NarendraDirectorPT$29,000-$29,000
K MorrisDirectorPT$16,340-$16,340
M DammDirectorPT$16,097-$16,097
C HarmsDirectorPT$15,826-$15,826
K DurhamDirectorPT$15,420-$15,420
D NakataDirectorPT$14,500-$14,500
K SchwartzrockDirectorPT$14,500-$14,500

Highest Paid Contractors

ContractorServicesLocationCompensation
Payment Systems For Credit UnionsCredit Card Processing560 CARILLON PARKWAY, St Petersburg, FL 33716$5,183,730
StrumMarketing & Promotional1200 SIXTH AVE STE 900, Seattle, WA 98101$5,143,253
P&c Construction CompanyConstruction2133 NW YORK STREET, Portland, OR 97210$4,670,548
Q2 Software INCOnline Banking2975 REGENT BLVD, Irving, TX 75320$4,214,533
FiservOnline Banking75 REMITTANCE DR STE 6959, Chicago, IL 60675$3,214,638
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$232,954,258
Investment Income
$44,491,719
Other Revenue
$0
Change in Net Assets
$100,022,972

Audited Revenue Reconciliation

Revenue per Audited Statements
$277,445,977
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$29,949,251
Total Revenue per Audited Statements
$307,395,228
Total Revenue per Form 990
$277,445,977
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$103,446,852
Salaries, Compensation, and Employee Benefits$73,173,474
Grants and Similar Amounts Paid$802,679
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$44,218,759
Interest---$27,469,767
Fees for Services Other---$21,566,679
Office Expenses---$10,982,115
Current Officers, Directors, Trustees, and Key Employees---$10,719,479
Occupancy---$9,176,767
Other Employee Benefits---$9,114,689
Advertising---$8,607,507
All Other Expenses---$7,912,514
Information Technology---$6,994,383
Other Expenses---$5,039,347
Payroll Taxes---$4,768,920
Pension Plan Contributions---$4,351,627
Depreciation Depletion---$3,724,672
Grants to Domestic Orgs---$802,679
Travel---$596,169
Insurance---$519,935
Conferences and Meetings---$448,881
Fees for Services Legal---$300,116
Fees for Services Accounting---$108,000
Total Functional Expenses$0$0$0$177,423,005

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$177,423,005
Total Expenses per Audited Statements$177,423,005
Total Expenses per Form 990$177,423,005
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
De La Salle North Catholic High SchoolPortland, OR501(c)(3)Community Outreach$125,000
DOERNBECHER CHILDREN'S HOSPITALPortland, OR501(c)(3)Community Outreach$82,352
Cascade Aids ProjectPortland, OR501(c)(3)Community Outreach$49,750
Oregon Food BankPortland, OR501(c)(3)Community Outreach$42,110
Schoolhouse SuppliesPortland, OR501(c)(3)Community Outreach$35,100
Meals on Wheels PeoplePortland, OR501(c)(3)Community Outreach$33,520
Northwest Credit Union AssociationSeatac, WA501(c)(3)Community Outreach$32,000
CHILDREN'S CANCER ASSOCIATIONPortland, OR501(c)(3)Community Outreach$30,000
CHILDREN'S MIRACLE NETWORK HOSPITALSSalt Lake City, UT501(c)(3)Community Outreach$25,000
JoinPortland, OR501(c)(3)Community Outreach$21,437
Neighborhood HousePortland, OR501(c)(3)Community Outreach$20,870
RANDALL CHILDREN'S HOSPITAL FOUNDATIONPortland, OR501(c)(3)Community Outreach$15,200
United Way of the Columbia-willamettePortland, OR501(c)(3)Community Outreach$10,100
Oregon Humane SocietyPortland, OR501(c)(3)Community Outreach$10,000
St Clare SchoolPortland, OR501(c)(3)Community Outreach$10,000
The Nature ConservancyPortland, OR501(c)(3)Community Outreach$10,000
Parks Foundation of Clark CountyCamas, WA501(c)(3)Community Outreach$6,500
Guide Dogs for the BlindSan Rafael, CA501(c)(3)Community Outreach$5,100
North Clackamas Education FoundationClackamas, OR501(c)(3)Community Outreach$5,000
Oregon Museum of Science and IndustryPortland, OR501(c)(3)Community Outreach$5,000
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$41,166
Total Exempt Function Spending$41,166

Section 527 Organizations

OrganizationLocationAmount
91-0460483Seatac, WA$41,166
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Savings$1,879,234,852
Checking$1,324,571,033
Money Market Accounts$896,563,586
Certificates of Deposit$496,588,896
Individual Retirement Accounts$184,743,134
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
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 6

“Onpoint community credit union is a natural person credit union, owned by its members. At 12/31/19, there were 390,039 members in the credit union.”

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

“The members of the credit union elect the board of directors from a slate of candidates put forth by the nominating committee prior to the annual meeting. Board positions have staggered renewal dates in three year terms.”

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

“Information for the completion of form 990 was gathered by the credit union's accounting department. An outside accounting firm prepared the tax return and it was provided to the board of directors prior to filing.”

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

“Monitoring of the conflict of interest policy is conducted through an annual policy review. Staff members are required each year to review, read and sign the conflict of interest policy. The board of directors annually adopts the board governance manual, which includes a conflict of interest policy. At the point of a potential conflict for a board member, a peer review is conducted. Enforcement of the conflict of interest policy for board members and staff is based on a review of potential conflicts and, if a conflict exists, mediation occurs.”

Form 990, Part VI, Section B, Line 15A

“The board of directors controls all compensation or benefit changes that would affect the president/ceo. All changes to the president/ceo's compensation and benefits are governed by an employment contract and any amendments to the contract. The compensation committee reviews the president/ceo's compensation package each year. The salary schedule and benefits program for the president/ceo is tied to geographic studies of salaries and benefits performed by professional organizations with expertise in the area of compensation. These included the cardwell consulting 2018 top ceo total compensation survey report and the 2018 towers watson executive compensation pay assessment.”

Form 990, Part VI, Section C, Line 19

“The organization's governing documents, conflict of interest policy and financial statements are made available upon written request.”

Filing and Contact Details

Filer

Filer Name
Onpoint Community Credit Union
EIN
93-0257765
Phone
5032731764
Address
PO BOX 3750, PORTLAND, OR 97208-3750

Signing Officer

Name
James Hunt
Title
SVP/CFO
Phone
5032731764
Signed
2020-06-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert Stuart
Formed
1932
Legal Domicile
Or
Voting Board Members
9
Independent Board Members
9
Employees
879
Volunteers
0

Preparer

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

Additional Explanations

Form 990, Part IX, Line 11G

“Atm/pos card program services 4,716,862. Visa debit card program services 5,369,410. Visa credit card program services 4,176,238. Outside professional services 5,193,357. Other loan fees 2,063,164. Business loan fees 44,182. Collections - oreo 3,466.”

Financial Statement Notes

PART IV, LINE 2B:

“The funds onpoint collects for taxes and insurance on behalf of its members are held in an escrow account and included within the balance sheet.”

PART X, LINE 2:

“The credit union is exempt, by statute, from federal income taxes. The credit union is a state chartered credit union described in irc section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. An exempt organization return and unrelated business income tax returns are filed annually with the applicable federal and state tax jurisdictions. Fasb codification topic 740, income taxes, provides guidance for how uncertain tax positions should be recognized, measured, disclosed and presented in the financial statements. This requires the evaluation of tax positions taken or expected to be taken in the course of preparing the credit union's tax returns to determine whether the tax positions are more likely than not to be sustained "when challenged or "when examined" by the applicable tax authority. Tax positions not deemed to meet the more-likely-than-not threshold would be recorded as a tax expense and liability in the current year. For the years ended december 31, 2019 and 2018, management has determined there are no material uncertain tax positions. The credit union recognizes interest accrued and penalties related to unrecognized tax benefits as an administrative expense. No interest and penalties were recognized for the years ended december 31, 2019 and 2018.”

Raw XML AppendixShowing 400 of 1,005 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/Desc0IN 2019, MEMBERSHIP IN THE CREDIT UNION GREW TO 390,039 MEMBERS. ONPOINT COMMUNITY CREDIT UNION PROVIDED THE MEMBERSHIP WITH FINANCIAL SERVICES, INCLUDING THE PROVISION OF 215,126 LOANS AND 840,540 DEPOSIT ACCOUNTS TO MEMBERS AT COMPETITIVE RATES.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd01
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0879
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt02937601
IRS990/EscrowAccountLiabilityGrp/EOYAmt04381618
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0108000
IRS990/FeesForServicesLegalGrp/TotalAmt0300116
IRS990/FeesForServicesOtherGrp/TotalAmt021566679
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt06.50
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt36.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt46.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt56.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt66.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt76.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt86.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt96.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt106.50
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt12784975
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt13403424
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt14314616
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt15402174
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt16355272
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1741564
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt18271076
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1929356
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20103065
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt21142616
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2236313
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2336313
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2444583
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IRS990/Form990PartVIISectionAGrp/PersonNm1S GOLDSCHMIDT
IRS990/Form990PartVIISectionAGrp/PersonNm2L JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm3M MROCZEK
IRS990/Form990PartVIISectionAGrp/PersonNm4S NARENDRA
IRS990/Form990PartVIISectionAGrp/PersonNm5K THOMAJAN
IRS990/Form990PartVIISectionAGrp/PersonNm6K MORRIS
IRS990/Form990PartVIISectionAGrp/PersonNm7M DAMM
IRS990/Form990PartVIISectionAGrp/PersonNm8C HARMS
IRS990/Form990PartVIISectionAGrp/PersonNm9K DURHAM
IRS990/Form990PartVIISectionAGrp/PersonNm10D NAKATA
IRS990/Form990PartVIISectionAGrp/PersonNm11K SCHWARTZROCK
IRS990/Form990PartVIISectionAGrp/PersonNm12R STUART
IRS990/Form990PartVIISectionAGrp/PersonNm13J HUNT
IRS990/Form990PartVIISectionAGrp/PersonNm14S LEUGERS
IRS990/Form990PartVIISectionAGrp/PersonNm15T MCVAY
IRS990/Form990PartVIISectionAGrp/PersonNm16J ARMSTRONG
IRS990/Form990PartVIISectionAGrp/PersonNm17S OWEN
IRS990/Form990PartVIISectionAGrp/PersonNm18V ERVIN
IRS990/Form990PartVIISectionAGrp/PersonNm19J DUNCKLEY
IRS990/Form990PartVIISectionAGrp/PersonNm20M DEBUHR
IRS990/Form990PartVIISectionAGrp/PersonNm21A EMERSON
IRS990/Form990PartVIISectionAGrp/PersonNm22K LUIDHARDT
IRS990/Form990PartVIISectionAGrp/PersonNm23M LINDSAY
IRS990/Form990PartVIISectionAGrp/PersonNm24J RODGERS
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt233951
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt330207
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt429000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt529000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt616340
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt716097
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt815826
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt915420
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1014500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1114500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt122398512
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt131678718
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14395215
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt151074395
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16854729
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17787173
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18424700
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19213783
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20639760
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21551706
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22370587
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt23354153
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt24337431
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt220
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt230
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt240
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP/CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP/CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP/CHIEF RETAIL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP/CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17SVP/CHIEF OPERATIONS OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt18SVP/CHIEF COMPLIANCE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt19SVP/CHIEF TALENT OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP/REGIONAL MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP/ONPOINT MORTGAGE
IRS990/Form990PartVIISectionAGrp/TitleTxt22MORTGAGE LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt23VP/WEALTH MANAGEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt24MORTGAGE SALES MANAGER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01932
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt05884
IRS990/GainOrLossGrp/SecuritiesAmt0652081
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticOrgsGrp/TotalAmt0802679
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt02108
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt018039596
IRS990/GrossReceiptsAmt0294829716
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt0130
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt06994383
IRS990/InsuranceGrp/TotalAmt0519935
IRS990/InterestGrp/TotalAmt027469767
IRS990/InvestmentIncomeGrp/ExclusionAmt043833754
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt043833754
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt062881000
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt073488327
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0888316454
IRS990/InvestmentsPubTradedSecGrp/EOYAmt01493323596
IRS990/IRPDocumentCnt0130901
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt025465649
IRS990/LandBldgEquipBasisNetGrp/BOYAmt019450675
IRS990/LandBldgEquipBasisNetGrp/EOYAmt027566143
IRS990/LandBldgEquipCostOrOtherBssAmt053031792
IRS990/LegalDomicileStateCd0OR
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0-3776
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt017387515
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PROMOTE THE FINANCIAL WELL-BEING OF CREDIT UNION MEMBERS THROUGH FINANCIAL PRODUCTS AND SERVICES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt0296395296
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt0499526671
IRS990/NetAssetsOrFundBalancesBOYAmt0634200243
IRS990/NetAssetsOrFundBalancesEOYAmt0764172466
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0657965
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0657965
IRS990/NetUnrelatedBusTxblIncmAmt0-945864
IRS990/NetUnrlzdGainsLossesInvstAmt029949251
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt09176767
IRS990/OfficeExpensesGrp/TotalAmt010982115
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt032204365
IRS990/OtherAssetsTotalGrp/EOYAmt033705089
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt09114689
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt05039347
IRS990/OtherLiabilitiesGrp/BOYAmt04392877428
IRS990/OtherLiabilitiesGrp/EOYAmt04781701501
IRS990/OtherSalariesAndWagesGrp/TotalAmt044218759
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt03492029631
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt03873949773
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt04768920
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt04351627
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt04217779
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt05395350
IRS990/PrincipalOfficerNm0ROBERT STUART
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST MEMBER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc3SERVICE FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0155282762
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt135473512
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt226023593
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt315264670
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0155282762
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt135473512
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt226792809
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt315405175
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0769216
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1140505
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$6,130,686,655
Liabilities
$5,366,514,189
Net assets
$764,172,466
Revenue
$277,445,977
Expenses
$177,423,005
Net income
$100,022,972
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$8,739$7,650$1,088$441$325$115
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$8,926$7,994$932$325$221$105
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9,040$8,096$945$301$220$80.9
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7,902$6,988$914$316$219$96.8
2019Detailed filing. Detailed filing data is available for this year.$6,131$5,367$764$277$177$100
2019Summary only. Only limited summary data is available for this year.$6,131$5,367$764$277$177$100
2018Summary only. Only limited summary data is available for this year.$5,393$4,759$634$237$157$80.0
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$5,129$4,582$547$202$138$64.3
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$4,561$4,079$482$175$124$51.3
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,906$3,472$434$159$114$45.7
2014Summary only. Only limited summary data is available for this year.$3,560$3,165$394$144$109$34.3
2013Detailed filing. Detailed filing data is available for this year.$3,356$3,013$343$143$108$34.5
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3,190$2,857$333$114
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3,031$2,728$303$116
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,841$2,565$276$138