Liabilities / Assets
81st percentile
Higher debt load relative to assets than 81% of similar nonprofits.
Central Willamette Com Credit Union
990 • Fiscal year 2013 • EIN 93-0496543
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.92x
Liabilities / Revenue
45th percentile
Higher debt load relative to revenue than 45% of similar nonprofits.
Net Margin
66th percentile
Higher net margin than 66% of similar nonprofits.
Top Officer Pay
55th percentile
Higher top officer pay than 55% of similar nonprofits.
Top officer pay equals 1.7% of source-year revenue.
Asset Growth
35th percentile
Faster asset growth than 35% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Balance Sheet
Assets
Up$221,882,410
Up $2,975,906 (+1.4%) from 2012
Net Assets
Up$18,626,511
Up $1,416,872 (+8.2%) from 2012
Liabilities
Up$203,255,899
Up $1,559,034 (+0.8%) from 2012
Revenue And Expenses
Revenue
$11,723,806
No earlier filing loaded for comparison.
Expenses
Down$10,096,447
Down $166,364 (-1.6%) from 2012
Net Income
$1,627,359
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- Oct 28, 2014
- Return Version
- 2013v3.0
- Gross Receipts
- $11,846,939
Mission and Program Overview
Mission
To provide responsible, attractive savings and loan programs and other services common to the financial welfare of its members. To conduct the services in a professional, personal, efficient, and competitive manner consistent with sound financial and business practice.
To provide financial products and services to our membership.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Accounts Receivable | $130,490,465 | $137,623,383 | ▲ $7,132,918 |
| Savings and Temporary Cash Investments | $71,456,799 | $65,236,504 | ▼ $6,220,295 |
| Rtn Earn Endowment Incm Other Fnds | $17,209,639 | $18,626,511 | ▲ $1,416,872 |
| Land, Buildings, and Equipment, Net | $8,961,171 | $9,008,686 | ▲ $47,515 |
| Cash and Non-Interest-Bearing Accounts | $2,456,386 | $3,089,154 | ▲ $632,768 |
| Prepaid Expenses and Deferred Charges | $1,136,413 | $1,293,782 | ▲ $157,369 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $218,906,504 | $221,882,410 | ▲ $2,975,906 |
| Other Assets Total | $4,405,270 | $5,630,901 | ▲ $1,225,631 |
| Liabilities | |||
| Other Liabilities | $199,395,906 | $201,098,185 | ▲ $1,702,279 |
| Accounts Payable and Accrued Expenses | $2,243,684 | $2,109,398 | ▼ $134,286 |
| Escrow Account Liability | $57,275 | $48,316 | ▼ $8,959 |
| Total Liabilities | $201,696,865 | $203,255,899 | ▲ $1,559,034 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $17,209,639 | $18,626,511 | ▲ $1,416,872 |
| Total Liabilities and Net Assets / Fund Balance | $218,906,504 | $221,882,410 | ▲ $2,975,906 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $6,280,228 | $2,490,994 | $8,771,222 |
| Equipment | $909,989 | $3,518,397 | $4,428,386 |
| Land | $1,817,583 | - | $1,817,583 |
| Leasehold Improvements | $886 | $513,078 | $513,964 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Elaine Eastman | CEO | FT | $178,907 | $21,563 | $200,470 |
| Jeff Christman | CFO | FT | $95,242 | $10,991 | $106,233 |
Board Members and Trustees
| Name | Title |
|---|---|
| Jim Healy | Chairman |
| Jim Denham | Vice Chair |
| Carolina Marquette | Director |
| Dick Running | Director |
| Forrest Barnes | Director |
| Len Hainz | Director |
| Martha Lyon | Director |
| Tom Cutsforth | Director |
| Dan Bedore | Secretary |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Vantiv Holdings | Debit/atm Card Processor | - | $413,472 |
| Cappelli Miles | Marketing | - | $383,885 |
| Intuit Financial Services | Electronic Services | - | $285,789 |
| Diamond Marketing | Statement Mailing | - | $123,750 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $10,037,782
- Investment Income
- $789,213
- Other Revenue
- $896,811
- Change in Net Assets
- $1,627,359
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $5,213,509 |
| Salaries, Compensation, and Employee Benefits | $4,859,800 |
| Grants and Similar Amounts Paid | $23,138 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $3,661,315 |
| Office Expenses | - | - | - | $916,387 |
| Fees for Services Other | - | - | - | $896,685 |
| Interest | - | - | - | $737,099 |
| Depreciation Depletion | - | - | - | $537,472 |
| Other Employee Benefits | - | - | - | $453,923 |
| Advertising | - | - | - | $444,999 |
| Occupancy | - | - | - | $430,259 |
| Payroll Taxes | - | - | - | $358,953 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $306,703 |
| All Other Expenses | - | - | - | $243,322 |
| Insurance | - | - | - | $119,802 |
| Pension Plan Contributions | - | - | - | $78,906 |
| Other Expenses | - | - | - | $51,490 |
| Fees for Services Legal | - | - | - | $27,278 |
| Grants to Domestic Orgs | - | - | - | $23,138 |
| Fees for Services Accounting | - | - | - | $17,154 |
| Travel | - | - | - | $13,580 |
| Total Functional Expenses | $0 | $0 | $0 | $10,096,447 |
International Activity
Grant and Assistance Recipients
| Recipient | Location | Category | Purpose | Amount |
|---|---|---|---|---|
| 93-0676661 | - | 501(c)(3) | Capital Building Program | $6,188 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Share Accounts | $108,488,431 |
| Checking Accounts | $50,722,409 |
| Certificates of Deposit | $38,037,905 |
| Ira | $3,849,440 |
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 family members
- No
- Business relationship with organization members
- No
- Material changes to governing documents
- Yes
- 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
- No
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Section A, Line 4
“The board approved a bylaw change to grant authority to the president/ceo to declare dividends on shares and set interest rates on deposits and deposit certificates.”
Form 990, Part VI, Section A, Line 6
“The credit union has members.”
Form 990, Part VI, Section A, Line 7A
“Each credit union member has one vote towards the election of the credit union's governing body.”
Form 990, Part VI, Section B, Line 11
“The credit union's board of directors meets monthly. Form 990 will be reviewed by the board at the next regularly scheduled meeting after the form is filed. The credit union's ceo will review the form before it is filed.”
Form 990, Part VI, Section B, Line 12C
“Annually employees must review the credit union's conflict of interest policy and sign a statement that they have read the policy. The compliance officer of the credit union conducts staff meetings to review the policy and answer any questions. The compliance officer also reviews the policy with the board of directors. Employee and director transactions are monitored by the credit union's internal auditor for any possible conflicts.”
Form 990, Part VI, Section B, Line 15
“The ceo's compensation is reviewed by the credit union's ceo review committee. The committee makes recommendations to the board of directors. The board makes the final determination. Key employees have their compensation reviewed by the ceo. In all cases industry compensation surveys and local data are used to determine individual amounts. The credit union also has policies in the employee manual which cover compensation, performance reviews and incentives.”
Form 990, Part VI, Section C, Line 19
“Monthly financial statements are posted in the lobby of each branch office. Other governing documents and conflict of interest policies are made available to the public upon written request.”
Filing and Contact Details
Filer
- EIN
- 93-0496543
- Phone
- 5419176801
Signing Officer
- Name
- Elaine Eastman
- Title
- CEO
- Phone
- 5419176801
- Signed
- 2014-10-28
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Elaine Eastman
- Formed
- 1955
- Legal Domicile
- Or
- Voting Board Members
- 9
- Independent Board Members
- 9
- Employees
- 114
- Volunteers
- 13
Preparer
- Phone
- 5032421447
Supplemental Narrative
Additional Explanations
FORM 990, PART IV, LINE 12A AND PART XII, LINE 2B:
“The credit union does receive consolidated financial statements in accordance with gaap, but in compliance with irs instructions, since form 990 is prepared on a calendar year and the financial statements are audited on a fiscal year, these questions must be answered no.”
Financial Statement Notes
PART IV, LINE 2B:
“Escrow accounts for member mortgage loans.”
Raw XML AppendixShowing 400 of 509 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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|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 2109398 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 130490465 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 137623383 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | TO PROVIDE FINANCIAL PRODUCTS AND SERVICES TO OUR MEMBERSHIP. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 444999 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 243322 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
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| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1 | 0 | HOLLY HOOD |
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| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 7101 SUPRA DR SW |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | ALBANY |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | OR |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 97321 |
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| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 2456386 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 3089154 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 1 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 4 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
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| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
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| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1 | 1 | 2260 OAKMONT WAY 7 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1 | 2 | PO BOX 515306 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1 | 3 | 3372 MOMENTUM PLACE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/City | 0 | CINCINNATI |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/City | 1 | EUGENE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/City | 2 | LOS ANGELES |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/City | 3 | CHICAGO |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State | 0 | OH |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State | 1 | OR |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State | 2 | CA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State | 3 | IL |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCode | 0 | 45202 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCode | 1 | 97401 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCode | 2 | 90051 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCode | 3 | 60689 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1 | 0 | VANTIV HOLDINGS |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1 | 1 | CAPPELLI MILES |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1 | 2 | INTUIT FINANCIAL SERVICES |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1 | 3 | DIAMOND MARKETING |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | DEBIT/ATM CARD PROCESSOR |
| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | MARKETING |
| IRS990/ContractorCompensationGrp/ServicesDesc | 2 | ELECTRONIC SERVICES |
| IRS990/ContractorCompensationGrp/ServicesDesc | 3 | STATEMENT MAILING |
| IRS990/CreditCounselingInd | 0 | 1 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 23138 |
| IRS990/CYInvestmentIncomeAmt | 0 | 789213 |
| IRS990/CYOtherExpensesAmt | 0 | 5213509 |
| IRS990/CYOtherRevenueAmt | 0 | 896811 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 10037782 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 1627359 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 4859800 |
| IRS990/CYTotalExpensesAmt | 0 | 10096447 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 11723806 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 537472 |
| IRS990/Desc | 0 | CENTRAL WILLAMETTE COMMUNITY CREDIT UNION SERVICES 23,777 MEMBERS OF OUR COMMUNITY WITH DIVERSE FINANCIAL PRODUCTS AND SERVICES. DURING THE YEAR WE GRANTED A TOTAL OF 4,192 LOANS WORTH $61,319,138 TO OUR MEMBERS. WE HAVE A TOTAL LOAN PORTFOLIO OF 10,247 LOANS WORTH $139,197,314. THE CREDIT UNION MAINTAINS 43,801 ACCOUNTS FOR OUR MEMBERS WORTH $201,818,191. THE CREDIT UNION EMPLOYS 89 INDIVIDUALS FROM OUR COMMUNITY. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 114 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 57275 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 48316 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 17154 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 27278 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 896685 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 50.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 50.00 |
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| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
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| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
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| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
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| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | TOM CUTSFORTH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | LEN HAINZ |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | MARTHA LYON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | FORREST BARNES |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | CAROLINA MARQUETTE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | DICK RUNNING |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | ELAINE EASTMAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | JEFF CHRISTMAN |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | CFO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1955 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 283601 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 23138 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 1 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 406734 |
| IRS990/GrossReceiptsAmt | 0 | 11846939 |
| IRS990/GrossRentsGrp/RealAmt | 0 | 92273 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InsuranceGrp/TotalAmt | 0 | 119802 |
| IRS990/InterestGrp/TotalAmt | 0 | 737099 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 505612 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 505612 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 5838 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 6522469 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 8961171 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 9008686 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 15531155 |
| IRS990/LegalDomicileStateCd | 0 | OR |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 123133 |
| IRS990/LessRentalExpensesGrp/RealAmt | 0 | 0 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | THE PURPOSE OF THE CREDIT UNION IS TO PROMOTE THRIFT AMONG ITS MEMBERS BY AFFORDING THEM THE OPPORTUNITY FOR ACCUMULATING THEIR SAVINGS, TO CREATE FOR THEM A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST, AND TO PROVIDE THE OPPORTUNITY FOR THE MEMBERS TO USE AND CONTROL THEIR MONEY IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 17209639 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 18626511 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | 283601 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 283601 |
| IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt | 0 | 84430 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 92273 |
| IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt | 0 | 7843 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -355348 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -210487 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 430259 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 916387 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 4405270 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 5630901 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 453923 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 2 | CORPORATE STABILIZATION |
| IRS990/OtherExpensesGrp/Desc | 3 | ASSOCATION DUES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 347000 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 273077 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 157905 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 51490 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 199395906 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 201098185 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 582100 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | OTHER NONOPERATING INCOME |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 798647 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 804538 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 5891 |
| IRS990/OtherRevenueTotalAmt | 0 | 804538 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 3661315 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 358953 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 78906 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 1136413 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 1293782 |
| IRS990/PrincipalOfficerNm | 0 | ELAINE EASTMAN |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTEREST INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | SERVICE FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OTHER OPERATING INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 7132787 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 1398647 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 1323449 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 7132787 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 1581546 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 1323449 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 182899 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 15532 |
| IRS990/PYInvestmentIncomeAmt | 0 | 450233 |
| IRS990/PYOtherExpensesAmt | 0 | 5593943 |
| IRS990/PYOtherRevenueAmt | 0 | 964049 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 10425447 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1576918 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 4653336 |
| IRS990/PYTotalExpensesAmt | 0 | 10262811 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 11839729 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1627359 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 1 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 1 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 92273 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 17209639 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 18626511 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 71456799 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 65236504 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 6280228 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 2490994 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 8771222 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 909989 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 3518397 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 4428386 |
| IRS990ScheduleD/ExplanationProvidedInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 1 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 1817583 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 1817583 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 886 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 513078 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 513964 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 108488431 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 50722409 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 3849440 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 38037905 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARE ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | CHECKING ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | IRA |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | CERTIFICATES OF DEPOSIT |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | ESCROW ACCOUNTS FOR MEMBER MORTGAGE LOANS. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART IV, LINE 2B: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 9008686 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 201098185 |
| IRS990ScheduleI/GrantRecordsMaintainedInd | 0 | 1 |
| IRS990ScheduleI/RecipientTable/CashGrantAmt | 0 | 6188 |
| IRS990ScheduleI/RecipientTable/IRCSectionDesc | 0 | 501(C)(3) |
| IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt | 0 | CAPITAL BUILDING PROGRAM |
| IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1 | 0 | SAFEHAVEN HUMANE SOCIETY |
| IRS990ScheduleI/RecipientTable/RecipientEIN | 0 | 930676661 |
| IRS990ScheduleI/RecipientTable/USAddress/AddressLine1 | 0 | PO BOX 2018 |
| IRS990ScheduleI/RecipientTable/USAddress/City | 0 | ALBANY |
| IRS990ScheduleI/RecipientTable/USAddress/State | 0 | OR |
| IRS990ScheduleI/RecipientTable/USAddress/ZIPCode | 0 | 97321 |
| IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt | 0 | ALL ORGANIZATIONS ARE LOCAL. WE TYPICALLY HAVE EMPLOYEES THAT ARE VOLUNTEERS AT THE ORGANIZATION OR ON THE BOARD OF THE ORGANIZATION. |
| IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART I, LINE 2: |
| IRS990ScheduleI/Total501c3OrgCnt | 0 | 1 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 178907 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 6900 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 7527 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 7136 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | ELAINE EASTMAN |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 200470 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990ScheduleJ/WrittenEmploymentContractInd | 0 | X |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE BOARD APPROVED A BYLAW CHANGE TO GRANT AUTHORITY TO THE PRESIDENT/CEO TO DECLARE DIVIDENDS ON SHARES AND SET INTEREST RATES ON DEPOSITS AND DEPOSIT CERTIFICATES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE CREDIT UNION HAS MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | EACH CREDIT UNION MEMBER HAS ONE VOTE TOWARDS THE ELECTION OF THE CREDIT UNION'S GOVERNING BODY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE CREDIT UNION'S BOARD OF DIRECTORS MEETS MONTHLY. FORM 990 WILL BE REVIEWED BY THE BOARD AT THE NEXT REGULARLY SCHEDULED MEETING AFTER THE FORM IS FILED. THE CREDIT UNION'S CEO WILL REVIEW THE FORM BEFORE IT IS FILED. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | ANNUALLY EMPLOYEES MUST REVIEW THE CREDIT UNION'S CONFLICT OF INTEREST POLICY AND SIGN A STATEMENT THAT THEY HAVE READ THE POLICY. THE COMPLIANCE OFFICER OF THE CREDIT UNION CONDUCTS STAFF MEETINGS TO REVIEW THE POLICY AND ANSWER ANY QUESTIONS. THE COMPLIANCE OFFICER ALSO REVIEWS THE POLICY WITH THE BOARD OF DIRECTORS. EMPLOYEE AND DIRECTOR TRANSACTIONS ARE MONITORED BY THE CREDIT UNION'S INTERNAL AUDITOR FOR ANY POSSIBLE CONFLICTS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE CEO'S COMPENSATION IS REVIEWED BY THE CREDIT UNION'S CEO REVIEW COMMITTEE. THE COMMITTEE MAKES RECOMMENDATIONS TO THE BOARD OF DIRECTORS. THE BOARD MAKES THE FINAL DETERMINATION. KEY EMPLOYEES HAVE THEIR COMPENSATION REVIEWED BY THE CEO. IN ALL CASES INDUSTRY COMPENSATION SURVEYS AND LOCAL DATA ARE USED TO DETERMINE INDIVIDUAL AMOUNTS. THE CREDIT UNION ALSO HAS POLICIES IN THE EMPLOYEE MANUAL WHICH COVER COMPENSATION, PERFORMANCE REVIEWS AND INCENTIVES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY OF EACH BRANCH OFFICE. OTHER GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICIES ARE MADE AVAILABLE TO THE PUBLIC UPON WRITTEN REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE CREDIT UNION DOES RECEIVE CONSOLIDATED FINANCIAL STATEMENTS IN ACCORDANCE WITH GAAP, BUT IN COMPLIANCE WITH IRS INSTRUCTIONS, SINCE FORM 990 IS PREPARED ON A CALENDAR YEAR AND THE FINANCIAL STATEMENTS ARE AUDITED ON A FISCAL YEAR, THESE QUESTIONS MUST BE ANSWERED NO. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 4 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART IV, LINE 12A AND PART XII, LINE 2B: |
| IRS990ScheduleR/AssetExchangeInd | 0 | 0 |
| IRS990ScheduleR/AssetPurchaseFromOtherOrgInd | 0 | 0 |
| IRS990ScheduleR/AssetSaleToOtherOrgInd | 0 | 0 |
| IRS990ScheduleR/DivRelatedOrganizationInd | 0 | 0 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $221,882,410
- Liabilities
- $203,255,899
- Net assets
- $18,626,511
- Revenue
- $11,723,806
- Expenses
- $10,096,447
- Net income
- $1,627,359