Civic Intelligence

Oregon Community Credit Union

EIN 93-0492535 • 501(c)14 • Eugene, OR

Profile

The purpose of oregon community credit union is to assist our members in making beneficial long-term financial decisions by providing them with competitive deposit and loan products.

2880 Chad DriveEugene, OR 97408

www.oregoncommunitycu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

34th percentile

0.90x

Higher debt load relative to assets than 34% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Liabilities / Revenue

10th percentile

12.14x

Higher debt load relative to revenue than 10% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Net Margin

58th percentile

11%

Higher net margin than 58% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

44th percentile

2.1%

Faster asset growth than 44% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Revenue Growth

57th percentile

20%

Faster revenue growth than 57% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Assets

Up

$3,405,521,789

Up $70,467,121 (+2.1%) from 2023

Liabilities

Up

$3,060,595,078

Up $42,757,915 (+1.4%) from 2023

Net Assets

Up

$344,926,711

Up $27,709,206 (+8.7%) from 2023

Revenue

Up

$252,128,476

Up $41,297,201 (+20%) from 2023

Expenses

Up

$225,052,789

Up $15,393,417 (+7.3%) from 2023

Net Income

Up

$27,075,687

Up $25,903,784 (+2210%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$4.0B$3.0B$2.0B$1.0B$0Assets 2010: $949,519,750Liabilities 2010: $877,794,097Net Assets 2010: $71,725,6532010Assets 2011: $1,038,930,727Liabilities 2011: $957,598,298Net Assets 2011: $81,332,4292011Assets 2012: $1,102,263,946Liabilities 2012: $1,010,074,307Net Assets 2012: $92,189,6392012Assets 2013: $1,183,252,544Liabilities 2013: $1,084,584,835Net Assets 2013: $98,667,7092013Assets 2014: $1,274,279,479Liabilities 2014: $1,167,066,863Net Assets 2014: $107,212,6162014Assets 2015: $1,430,858,847Liabilities 2015: $1,313,200,586Net Assets 2015: $117,658,2612015Assets 2016: $1,581,553,833Liabilities 2016: $1,453,771,369Net Assets 2016: $127,782,4642016Assets 2017: $1,686,568,182Liabilities 2017: $1,545,297,740Net Assets 2017: $141,270,4422017Assets 2018: $1,708,221,881Liabilities 2018: $1,547,964,145Net Assets 2018: $160,257,7362018Assets 2019: $1,889,089,537Liabilities 2019: $1,708,396,153Net Assets 2019: $180,693,3842019Assets 2020: $2,390,697,692Liabilities 2020: $2,181,210,196Net Assets 2020: $209,487,4962020Assets 2021: $2,826,121,126Liabilities 2021: $2,538,824,112Net Assets 2021: $287,297,0142021Assets 2022: $3,461,025,756Liabilities 2022: $3,144,607,129Net Assets 2022: $316,418,6272022Assets 2023: $3,335,054,668Liabilities 2023: $3,017,837,163Net Assets 2023: $317,217,5052023Assets 2024: $3,405,521,789Liabilities 2024: $3,060,595,078Net Assets 2024: $344,926,7112024

Highlighted filing

2024

Assets$3,405,521,789
Liabilities$3,060,595,078
Net Assets$344,926,711

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$300M$200M$100M$0Expenses 2010: $50,827,2752010Expenses 2011: $46,653,0112011Expenses 2012: $44,064,0532012Revenue 2013: $56,416,665Expenses 2013: $49,572,580Net Income 2013: $6,844,0852013Revenue 2014: $60,046,252Expenses 2014: $52,443,291Net Income 2014: $7,602,9612014Revenue 2015: $67,690,984Expenses 2015: $57,265,800Net Income 2015: $10,425,1842015Revenue 2016: $74,509,676Expenses 2016: $64,375,432Net Income 2016: $10,134,2442016Revenue 2017: $83,372,165Expenses 2017: $69,841,699Net Income 2017: $13,530,4662017Revenue 2018: $93,359,469Expenses 2018: $74,324,644Net Income 2018: $19,034,8252018Revenue 2019: $102,367,460Expenses 2019: $81,813,660Net Income 2019: $20,553,8002019Revenue 2020: $124,109,614Expenses 2020: $95,470,651Net Income 2020: $28,638,9632020Revenue 2021: $182,242,816Expenses 2021: $104,727,451Net Income 2021: $77,515,3652021Revenue 2022: $159,759,563Expenses 2022: $129,830,645Net Income 2022: $29,928,9182022Revenue 2023: $210,831,275Expenses 2023: $209,659,372Net Income 2023: $1,171,9032023Revenue 2024: $252,128,476Expenses 2024: $225,052,789Net Income 2024: $27,075,6872024

Highlighted filing

2024

Revenue$252,128,476
Expenses$225,052,789
Net Income$27,075,687

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$3,406$3,061$345$252$225$27.1
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,335$3,018$317$211$210$1.17
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$3,461$3,145$316$160$130$29.9
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,826$2,539$287$182$105$77.5
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,391$2,181$209$124$95.5$28.6
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,889$1,708$181$102$81.8$20.6
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,708$1,548$160$93.4$74.3$19.0
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,687$1,545$141$83.4$69.8$13.5
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,582$1,454$128$74.5$64.4$10.1
2015Detailed filing. Detailed filing data is available for this year.$1,431$1,313$118$67.7$57.3$10.4
2014Detailed filing. Detailed filing data is available for this year.$1,274$1,167$107$60.0$52.4$7.60
2013Detailed filing. Detailed filing data is available for this year.$1,183$1,085$98.7$56.4$49.6$6.84
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,102$1,010$92.2$44.1
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,039$958$81.3$46.7
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$950$878$71.7$50.8
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 12, 2025
Return Version
2024v5.2
Gross Receipts
$252,128,476
Mission and Program Overview

Mission

The purpose of oregon community credit union is to assist our members in making beneficial long-term financial decisions by providing them with competitive deposit and loan products.

To assist our members in making beneficial long-term financial decisions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,969,370,957$3,013,920,431▲ $44,549,474
Rtn Earn Endowment Incm Other Fnds$317,217,505$344,926,711▲ $27,709,206
Savings and Temporary Cash Investments$202,907,289$174,340,464▼ $28,566,825
Investments Other Securities$40,448,784$72,824,296▲ $32,375,512
Receivables From Officers Etc$58,899,163$64,660,338▲ $5,761,175
Land, Buildings, and Equipment, Net$17,681,316$27,345,273▲ $9,663,957
Cash and Non-Interest-Bearing Accounts$8,463,386$24,258,019▲ $15,794,633
Prepaid Expenses and Deferred Charges$23,108,701$22,101,094▼ $1,007,607
Accounts Receivable$826,681$1,053,334▲ $226,653
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$3,335,054,668$3,405,521,789▲ $70,467,121
Other Assets Total$13,348,391$5,018,540▼ $8,329,851
Liabilities
Other Liabilities$2,689,253,486$2,823,695,773▲ $134,442,287
Accounts Payable and Accrued Expenses$328,295,034$236,641,874▼ $91,653,160
Deferred Revenue$288,643$257,431▼ $31,212
Total Liabilities$3,017,837,163$3,060,595,078▲ $42,757,915
Net Assets / Fund Balance
Total Net Assets Fund Balance$317,217,505$344,926,711▲ $27,709,206
Total Liabilities and Net Assets / Fund Balance$3,335,054,668$3,405,521,789▲ $70,467,121

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$7,369,233$26,415,197$33,784,430
Buildings$9,221,369$8,000,352$17,221,721
Leasehold Improvements$7,205,779$4,226,674$11,432,453
Land$3,342,575-$3,342,575
Other Land Buildings$206,317$194,537$400,854
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ronald NeumannPresident & CEOFT$838,125$431,258$1,269,383
Gregory SchumacherExecutive Vice PresidentFT$440,904$283,652$724,556
Tracey KefferChief Operating OfficerFT$364,137$209,435$573,572
Brian AlfanoChief Digital OfficerFT$331,962$226,268$558,230
Heather BillingsChief Marketing OfficerFT$296,333$208,108$504,441
Brian KillingsworthVP of Technology ServicesFT$249,175$135,245$384,420
John SchifferSVP of FinanceFT$249,664$133,309$382,973
Gregory YoungVP of Insurance ServicesFT$216,038$164,626$380,664
Ethan NelsonVP of Credit AdministrationFT$240,731$126,609$367,340
Christopher WhittakerSVP of LendingFT$245,339$113,152$358,491
Bill IngeBoard ChairPT$40,117-$40,117
Beverly AndersonBoard Vice ChairPT$30,575-$30,575
Jacob SiegelBoard SecretaryPT$28,618-$28,618
Genevieve ParkerBoard DirectorPT$27,950-$27,950
Sam KamkarBoard DirectorPT$24,950-$24,950
Brandon RogersBoard DirectorPT$24,371-$24,371
Justin FreemanBoard Director (as of 03/2024)PT$21,783-$21,783
Jeanine JensenBoard Secretary (thru 06/2024)PT$13,558-$13,558
Dena Putnam-gilchristBoard Director (as of 03/2024)PT$11,967-$11,967
Jefferson CurlBoard Director (as of 03/2024)PT$11,967-$11,967
Thomas LarsonBoard Director (thru 03/2024)PT$8,317-$8,317
Phillip SmithBoard Director (thru 03/2024)PT$5,983-$5,983
Scott SmithBoard Director (thru 03/2024)PT$5,983-$5,983

Highest Paid Contractors

ContractorServicesLocationCompensation
Alkami Technology INCInternet Banking5601 GRANITE PARKWAY STE 120, Plano, TX 75024$3,006,558
Mckenzie Commercial Contractors INCContractor865 W SECOND AVENUE, Eugene, OR 97402$2,700,894
Cook Solutions Group INCAtm Servicing9225 NE CASCADES PARKWAY, Portland, OR 97220$1,765,606
Lending Solutions INCCall Center Overflow9706 4TH AVENUE NE, Seattle, WA 98115$1,227,392
Prevedello Hettick Marketing CompanyMarketing132 E BROADWAY STE 605, Eugene, OR 97401$725,173
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$236,359,384
Investment Income
$15,769,092
Other Revenue
$0
Change in Net Assets
$27,075,687
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$160,380,799
Salaries, Compensation, and Employee Benefits$64,140,626
Grants and Similar Amounts Paid$531,364
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$58,220,673
Other Salaries and Wages---$47,036,364
Office Expenses---$12,181,678
Other Expenses---$6,827,892
Other Employee Benefits---$6,607,597
Information Technology---$6,210,381
Fees for Services Other---$4,627,822
Depreciation Depletion---$4,612,339
Payroll Taxes---$4,235,286
Current Officers, Directors, Trustees, and Key Employees---$3,886,322
Occupancy---$3,534,756
Advertising---$3,254,001
Pension Plan Contributions---$2,375,057
Fees for Services Accounting---$640,903
Insurance---$573,441
Grants to Domestic Orgs---$531,364
Fees for Services Legal---$355,619
Travel---$276,846
Conferences and Meetings---$28,295
Total Functional Expenses$0$0$0$225,052,789
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Occu Foundation IncEugene, OR501(c)(3)General Support$263,348
University of Oregon FoundationEugene, OR501(c)(3)General Support$100,000
Eugene MarathonSeattle, WA501(c)(3)General Support$56,107
Lane Community College FoundationEugene, OR501(c)(3)General Support$21,000
CHILDREN'S MIRACLE NETWORKEugene, OR501(c)(6)General Support$12,515
Eugene Area Chamber of CommerceEugene, OR501(c)(6)General Support$12,500
Springfield Area Chamber of CommercSpringfield, OR-General Support$6,910
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$58,899,163$64,660,338▲ $5,761,175
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Savings$2,823,695,773
Governance and Compliance

Governance Checklist

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

Any individual with an account at the credit union is considered a member.

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

Each primary member of the credit union is given one vote and is able to elect members of the governing body.

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

Major decisions of the governing body are subject to approval by members, however, day to day decisions are not subject to member approval.

Form 990, Part VI, Section A, Line 8B

The organization does not have any committees with the authority to act on behalf of the governing body.

Form 990, Part VI, Section B, Line 11B

A copy of form 990 is provided to the organization for review prior to filing; the ceo, evp and svp of finance of the organization review the form 990.

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

The organization has a conflict of interest policy in place for both the company and board. Expectations are clear at the senior management level and are communicated downward. The organization has tracking procedures in place for possible and confirmed conflicts of interest. If a conflict of interest is determined to exist involving a board member, that member would be required to abstain from voting on the issue.

Form 990, Part VI, Section B, Line 15

Total compensation, including base pay, incentives and other benefits, is compared against balance comp, cues executive compensation program, milliman nw financial industry survey results and other executive publications/reports. Ceo compensation is reviewed by the board personnel committee and approved by the full board. Compensation amounts are tracked for future reference. The last formal compensation comparison review by the organization was performed in 2024.

Form 990, Part VI, Section C, Line 19

The organization's financial statements are posted online and in credit union branches and are available upon request. Governing documents are available to members upon request.

Filing and Contact Details

Filer

Filer Name
Oregon Community Credit Union
EIN
93-0492535
Phone
8664557438
Address
2880 CHAD DRIVE, EUGENE, OR 97408

Signing Officer

Name
Ron Neumann
Title
CEO
Phone
8664557438
Signed
2025-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ron Neumann
Formed
1956
Legal Domicile
Or
Voting Board Members
9
Independent Board Members
9
Employees
712
Volunteers
0

Preparer

Firm
Baker Tilly Advisory Group Lp
Address
805 SW BROADWAY STE 1400, PORTLAND, OR 97205
Preparer
Wendy Campos
Phone
5032421447
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2:

The credit union is governed by the national credit union administration (ncua). As such, regulators review the financial transactions of the credit union on a consistent basis. In addition, the credit union maintains a supervisory committee to oversee the performance of an annual audit of the statments of financial condition. These audited statements of financial condition are prepared on a september 30th year end.

Raw XML AppendixShowing 400 of 883 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.

Path#Value
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IRS990/AccountsReceivableGrp/EOYAmt01053334
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO ASSIST OUR MEMBERS IN MAKING BENEFICIAL LONG-TERM FINANCIAL DECISIONS.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt160
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt170
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt180
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IRS990/Form990PartVIISectionAGrp/PersonNm1GREGORY SCHUMACHER
IRS990/Form990PartVIISectionAGrp/PersonNm2TRACEY KEFFER
IRS990/Form990PartVIISectionAGrp/PersonNm3BRIAN ALFANO
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IRS990/Form990PartVIISectionAGrp/PersonNm5BRIAN KILLINGSWORTH
IRS990/Form990PartVIISectionAGrp/PersonNm6JOHN SCHIFFER
IRS990/Form990PartVIISectionAGrp/PersonNm7GREGORY YOUNG
IRS990/Form990PartVIISectionAGrp/PersonNm8ETHAN NELSON
IRS990/Form990PartVIISectionAGrp/PersonNm9CHRISTOPHER WHITTAKER
IRS990/Form990PartVIISectionAGrp/PersonNm10BILL INGE
IRS990/Form990PartVIISectionAGrp/PersonNm11BEVERLY ANDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm12JACOB SIEGEL
IRS990/Form990PartVIISectionAGrp/PersonNm13GENEVIEVE PARKER
IRS990/Form990PartVIISectionAGrp/PersonNm14SAM KAMKAR
IRS990/Form990PartVIISectionAGrp/PersonNm15BRANDON ROGERS
IRS990/Form990PartVIISectionAGrp/PersonNm16JUSTIN FREEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm17JEANINE JENSEN
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1EXECUTIVE VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHIEF OPERATING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHIEF DIGITAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHIEF MARKETING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt5VP OF TECHNOLOGY SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt6SVP OF FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt7VP OF INSURANCE SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP OF CREDIT ADMINISTRATION
IRS990/Form990PartVIISectionAGrp/TitleTxt9SVP OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt12BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt13BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16BOARD DIRECTOR (AS OF 03/2024)
IRS990/Form990PartVIISectionAGrp/TitleTxt17BOARD SECRETARY (THRU 06/2024)
IRS990/Form990PartVIISectionAGrp/TitleTxt18BOARD DIRECTOR (AS OF 03/2024)
IRS990/Form990PartVIISectionAGrp/TitleTxt19BOARD DIRECTOR (AS OF 03/2024)
IRS990/Form990PartVIISectionAGrp/TitleTxt20BOARD DIRECTOR (THRU 03/2024)
IRS990/Form990PartVIISectionAGrp/TitleTxt21BOARD DIRECTOR (THRU 03/2024)
IRS990/Form990PartVIISectionAGrp/TitleTxt22BOARD DIRECTOR (THRU 03/2024)
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IRS990/MinutesOfCommitteesInd00
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IRS990/MissionDesc0THE PURPOSE OF OREGON COMMUNITY CREDIT UNION IS TO ASSIST OUR MEMBERS IN MAKING BENEFICIAL LONG-TERM FINANCIAL DECISIONS BY PROVIDING THEM WITH COMPETITIVE DEPOSIT AND LOAN PRODUCTS.
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