Civic Intelligence

Central Willamette Com Credit Union

990 • Fiscal year 2019 • EIN 93-0496543

Jan 01, 2019 to Dec 31, 2019 • Filed on Sep 09, 2020

Organization ProfileWWW.CENTRALWCU.ORG

View Organization Page

PO Box 1899Albany, OR 97321

(541) 917-6801

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.90x

Higher debt load relative to assets than 73% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

38th percentile

15.46x

Higher debt load relative to revenue than 38% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Net Margin

81st percentile

20%

Higher net margin than 81% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

43rd percentile

$400,821

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 2.0% of source-year revenue.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Asset Growth

66th percentile

8.3%

Faster asset growth than 66% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

92nd percentile

20%

Faster revenue growth than 92% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$338,302,075

Up $26,070,940 (+8.3%) from 2018

Net Assets

Up

$32,777,917

Up $3,976,834 (+14%) from 2018

Liabilities

Up

$305,524,158

Up $22,094,106 (+7.8%) from 2018

Revenue And Expenses
Liabilities / Revenue38th percentileNet Margin81st percentile

Revenue

Up

$19,764,575

Up $3,334,102 (+20%) from 2018

Expenses

Up

$15,910,247

Up $1,522,384 (+11%) from 2018

Net Income

Up

$3,854,328

Up $1,811,718 (+89%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth66th percentile

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

$600M$400M$200M$0Assets 2010: $202,177,485Liabilities 2010: $187,650,529Net Assets 2010: $14,526,9562010Assets 2011: $207,802,621Liabilities 2011: $192,218,482Net Assets 2011: $15,584,1392011Assets 2012: $218,906,504Liabilities 2012: $201,696,865Net Assets 2012: $17,209,6392012Assets 2013: $221,882,410Liabilities 2013: $203,255,899Net Assets 2013: $18,626,5112013Assets 2014: $229,695,606Liabilities 2014: $209,148,940Net Assets 2014: $20,546,6662014Assets 2015: $244,147,454Liabilities 2015: $222,274,792Net Assets 2015: $21,872,6622015Assets 2016: $260,127,406Liabilities 2016: $235,804,440Net Assets 2016: $24,322,9662016Assets 2017: $283,827,303Liabilities 2017: $257,037,395Net Assets 2017: $26,789,9082017Assets 2018: $312,231,135Liabilities 2018: $283,430,052Net Assets 2018: $28,801,0832018Assets 2019: $338,302,075Liabilities 2019: $305,524,158Net Assets 2019: $32,777,9172019Assets 2020: $410,642,473Liabilities 2020: $373,599,922Net Assets 2020: $37,042,5512020Assets 2021: $480,185,981Liabilities 2021: $439,261,467Net Assets 2021: $40,924,5142021Assets 2022: $515,430,336Liabilities 2022: $478,987,695Net Assets 2022: $36,442,6412022Assets 2023: $519,423,795Liabilities 2023: $477,089,370Net Assets 2023: $42,334,4252023Assets 2024: $593,071,859Liabilities 2024: $544,851,611Net Assets 2024: $48,220,2482024

Highlighted filing

2019

Assets$338,302,075
Liabilities$305,524,158
Net Assets$32,777,917
Open 2019 Filing

Operations Trend

Revenue Growth92nd percentile

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

$40M$30M$20M$10M$0Expenses 2010: $12,267,4182010Expenses 2011: $10,981,1632011Expenses 2012: $10,262,8112012Revenue 2013: $11,723,806Expenses 2013: $10,096,447Net Income 2013: $1,627,3592013Revenue 2014: $11,568,965Expenses 2014: $10,299,880Net Income 2014: $1,269,0852014Revenue 2015: $12,377,739Expenses 2015: $10,706,267Net Income 2015: $1,671,4722015Revenue 2016: $12,970,246Expenses 2016: $10,589,335Net Income 2016: $2,380,9112016Revenue 2017: $14,660,941Expenses 2017: $12,180,956Net Income 2017: $2,479,9852017Revenue 2018: $16,430,473Expenses 2018: $14,387,863Net Income 2018: $2,042,6102018Revenue 2019: $19,764,575Expenses 2019: $15,910,247Net Income 2019: $3,854,3282019Revenue 2020: $19,246,357Expenses 2020: $15,450,045Net Income 2020: $3,796,3122020Revenue 2021: $21,128,813Expenses 2021: $15,539,374Net Income 2021: $5,589,4392021Revenue 2022: $25,725,776Expenses 2022: $18,813,531Net Income 2022: $6,912,2452022Revenue 2023: $29,955,433Expenses 2023: $24,930,172Net Income 2023: $5,025,2612023Revenue 2024: $36,821,870Expenses 2024: $33,796,530Net Income 2024: $3,025,3402024

Highlighted filing

2019

Revenue$19,764,575
Expenses$15,910,247
Net Income$3,854,328
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Sep 9, 2020
Return Version
2019v5.1
Gross Receipts
$19,772,407
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
LineBeginningEndChange
Assets
Accounts Receivable$259,877,016$286,928,031▲ $27,051,015
Rtn Earn Endowment Incm Other Fnds$28,801,083$32,777,917▲ $3,976,834
Savings and Temporary Cash Investments$21,082,763$17,649,062▼ $3,433,701
Land, Buildings, and Equipment, Net$9,893,886$9,558,980▼ $334,906
Investments Other Securities$7,627,663$5,110,700▼ $2,516,963
Investments in Publicly Traded Securities$6,542,578$5,005,280▼ $1,537,298
Cash and Non-Interest-Bearing Accounts$2,899,802$2,651,610▼ $248,192
Prepaid Expenses and Deferred Charges$733,877$0▼ $733,877
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$312,231,135$338,302,075▲ $26,070,940
Other Assets Total$3,573,550$11,398,412▲ $7,824,862
Liabilities
Other Liabilities$275,681,269$292,337,104▲ $16,655,835
Accounts Payable and Accrued Expenses$7,748,783$13,187,054▲ $5,438,271
Total Liabilities$283,430,052$305,524,158▲ $22,094,106
Net Assets / Fund Balance
Total Net Assets Fund Balance$28,801,083$32,777,917▲ $3,976,834
Total Liabilities and Net Assets / Fund Balance$312,231,135$338,302,075▲ $26,070,940

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,425,231$4,277,976$9,703,207
Equipment$2,120,816$4,854,788$6,975,604
Land$1,817,583-$1,817,583
Leasehold Improvements$195,350$614,593$809,943
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Stacie Wyss-schoenbornCEOFT$284,654$116,167$400,821
Greg BrunsCFOFT$156,153$13,454$169,607
Joey RudisillCIOFT$147,509$12,204$159,713
Rachel WolfeCOOFT$139,947$12,508$152,455
Amanda GrolemundCMOFT$132,039$9,655$141,694
Holly HoodChroFT$123,790$8,283$132,073
Bryan BlairSenior It Systems EngineerFT$110,722$5,920$116,642

Board Members and Trustees

NameTitle
Jim HealyChairman
Forrest BarnesVice Chair
Brian RowsonDirector
Carolina ValladaresDirector
Greg HamannDirector
Helen HigginsDirector
Mark YaegerDirector
Martha LyonDirector
Marty CahillDirector
Tom CutsforthDirector
Steve UerlingsSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
PscuCredit And Debit Card Processor560 CARILLON PARKWAY, St Petersburg, FL 33716$623,062
Q2 EbankingOnline And Mobile Banking ServicePO BOX 205970, Dallas, TX 95320$495,193
Technology Unlimited INCTechnology Equipment Provider6802 SOUTH 220TH ST BLD 2, Kent, WA 98032$335,360
Alpine MarketingMarketing/advertising13755 SW HILLSHIRE DR, Tigard, OR 97223$316,859
Diamond MarketingBranch Design Consultant1520 4TH AVE SUITE 300, Seattle, WA 98101$176,779
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$16,872,027
Investment Income
$1,290,724
Other Revenue
$1,601,824
Change in Net Assets
$3,854,328

Audited Revenue Reconciliation

Revenue per Audited Statements
$19,764,575
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$7,834
Total Revenue per Audited Statements
$19,772,409
Total Revenue per Form 990
$19,764,575
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,061,849
Salaries, Compensation, and Employee Benefits$6,847,110
Grants and Similar Amounts Paid$1,288
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$5,035,451
Interest---$1,569,474
Depreciation Depletion---$974,005
All Other Expenses---$862,540
Information Technology---$786,964
Other Employee Benefits---$719,542
Office Expenses---$642,447
Advertising---$568,725
Occupancy---$561,492
Payroll Taxes---$492,757
Current Officers, Directors, Trustees, and Key Employees---$464,366
Conferences and Meetings---$142,797
Pension Plan Contributions---$134,994
Fees for Services Accounting---$108,884
Insurance---$90,525
Other Expenses---$57,903
Fees for Services Legal---$50,515
Grants to Domestic Orgs---$1,288
Total Functional Expenses$0$0$0$15,910,247

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$15,918,081
Expenses per Audited Statements$15,910,247
Total Expenses per Form 990$15,910,247
Expenses Not Reported on Form 990$7,834
Expenses Not Reported on Financial Statements$0
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES$282,560,104
NON MEMBERS' SHARES$9,777,000
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
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 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 11B

“Form 990 is made available for review by the board at regularly scheduled meetings after the form is filed. The credit union's ceo is provided with a copy of the form 990 prior to filing.”

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. Ceo compensation was last reviewed december 2018. Key employee compensation analysis was last conducted in june 2019.”

Form 990, Part VI, Section C, Line 18

“Made available to the public upon written request.”

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 request.”

Filing and Contact Details

Filer

Filer Name
Central Willamette Credit Union
EIN
93-0496543
Phone
5419176801
Address
PO BOX 1899, ALBANY, OR 97321

Signing Officer

Name
Stacie Wyss-schoenborn
Title
President/CEO
Phone
5419176801
Signed
2020-09-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Stacie Wyss-schoenborn
Formed
1955
Legal Domicile
Or
Voting Board Members
7
Independent Board Members
7
Employees
92
Volunteers
14

Preparer

Firm
Hauser Jones & Sas Pllc
Address
10940 NE 33RD PLACE SUITE 100, BELLEVUE, WA 98004
Preparer
Roger a Jones CPA
Phone
4258891778
Supplemental Narrative

Additional Explanations

Form 990, Part XII, 2C

“The organization has not changed either its oversight process or selection process during the tax year.”

Financial Statement Notes

PART IV, LINE 2B:

“Escrow accounts for member mortgage loans.”

PART X, LINE 2:

“The credit union is exempt, by statute, from federal and state income taxes, except to the extent of unrelated business income. Unrelated business income is not significant and no provision for income taxes has been made. The credit union had no unrecognized tax benefits at december 31, 2019. Interest accrued and penalties related to unrecognized tax benefits would be recognized as a noninterest expense. During the year ended december 31, 2019, and the six months ended december 31, 2018 the credit union recognized no tax related interest and penalties.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Loss on sale of fixed asset 7,834.”

Raw XML AppendixShowing 400 of 584 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/Desc0CENTRAL WILLAMETTE CREDIT UNION SERVICES 29,663 MEMBERS OF OUR COMMUNITY WITH DIVERSE FINANCIAL PRODUCTS AND SERVICES. DURING THE YEAR WE GRANTED A TOTAL OF 9,406 LOANS WORTH $123,587,072 TO OUR MEMBERS. WE HAVE A TOTAL LOAN PORTFOLIO OF 18,866 LOANS WORTH $288,843,534. THE CREDIT UNION MAINTAINS 56,070 DEPOSIT ACCOUNTS FOR OUR MEMBERS WORTH $292,337,104. THE CREDIT UNION EMPLOYS 92 INDIVIDUALS FROM OUR COMMUNITY.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt139227
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt149655
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt159943
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt165920
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt178283
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IRS990/Form990PartVIISectionAGrp/PersonNm1STEVE UERLINGS
IRS990/Form990PartVIISectionAGrp/PersonNm2FORREST BARNES
IRS990/Form990PartVIISectionAGrp/PersonNm3TOM CUTSFORTH
IRS990/Form990PartVIISectionAGrp/PersonNm4MARTY CAHILL
IRS990/Form990PartVIISectionAGrp/PersonNm5MARTHA LYON
IRS990/Form990PartVIISectionAGrp/PersonNm6MARK YAEGER
IRS990/Form990PartVIISectionAGrp/PersonNm7BRIAN ROWSON
IRS990/Form990PartVIISectionAGrp/PersonNm8GREG HAMANN
IRS990/Form990PartVIISectionAGrp/PersonNm9CAROLINA VALLADARES
IRS990/Form990PartVIISectionAGrp/PersonNm10HELEN HIGGINS
IRS990/Form990PartVIISectionAGrp/PersonNm11STACIE WYSS-SCHOENBORN
IRS990/Form990PartVIISectionAGrp/PersonNm12GREG BRUNS
IRS990/Form990PartVIISectionAGrp/PersonNm13RACHEL WOLFE
IRS990/Form990PartVIISectionAGrp/PersonNm14AMANDA GROLEMUND
IRS990/Form990PartVIISectionAGrp/PersonNm15JOEY RUDISILL
IRS990/Form990PartVIISectionAGrp/PersonNm16BRYAN BLAIR
IRS990/Form990PartVIISectionAGrp/PersonNm17HOLLY HOOD
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11304454
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12159912
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13143228
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14132039
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15149770
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16110722
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17123790
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt13COO
IRS990/Form990PartVIISectionAGrp/TitleTxt14CMO
IRS990/Form990PartVIISectionAGrp/TitleTxt15CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt16SENIOR IT SYSTEMS ENGINEER
IRS990/Form990PartVIISectionAGrp/TitleTxt17CHRO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01955
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-7832
IRS990/GainOrLossGrp/SecuritiesAmt0814760
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticOrgsGrp/TotalAmt01288
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0814760
IRS990/GrossReceiptsAmt019772407
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt07
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0786964
IRS990/InsuranceGrp/TotalAmt090525
IRS990/InterestGrp/TotalAmt01569474
IRS990/InvestmentIncomeGrp/ExclusionAmt0483796
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0483796
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt07627663
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt05110700
IRS990/InvestmentsPubTradedSecGrp/BOYAmt06542578
IRS990/InvestmentsPubTradedSecGrp/EOYAmt05005280
IRS990/IRPDocumentCnt07726
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt09747357
IRS990/LandBldgEquipBasisNetGrp/BOYAmt09893886
IRS990/LandBldgEquipBasisNetGrp/EOYAmt09558980
IRS990/LandBldgEquipCostOrOtherBssAmt019306337
IRS990/LegalDomicileStateCd0OR
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt07832
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO 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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt028801083
IRS990/NetAssetsOrFundBalancesEOYAmt032777917
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0806928
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0806928
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0122506
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0561492
IRS990/OfficeExpensesGrp/TotalAmt0642447
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03573550
IRS990/OtherAssetsTotalGrp/EOYAmt011398412
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0719542
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1ATM SERVICING
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt01536969
IRS990/OtherExpensesGrp/TotalAmt1596408
IRS990/OtherExpensesGrp/TotalAmt2512201
IRS990/OtherExpensesGrp/TotalAmt357903
IRS990/OtherLiabilitiesGrp/BOYAmt0275681269
IRS990/OtherLiabilitiesGrp/EOYAmt0292337104
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0OTHER NONOPERATING INC
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01380833
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01601824
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0220991
IRS990/OtherRevenueTotalAmt01601824
IRS990/OtherSalariesAndWagesGrp/TotalAmt05035451
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0492757
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0134994
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0733877
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0STACIE WYSS-SCHOENBORN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE CHARGES AND GE
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt013202532
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13609482
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt237536
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt013202532
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13631959
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt237536
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt022477
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0468483
IRS990/PYOtherExpensesAmt08030974
IRS990/PYOtherRevenueAmt0507716
IRS990/PYProgramServiceRevenueAmt015454274
IRS990/PYRevenuesLessExpensesAmt02042610
IRS990/PYSalariesCompEmpBnftPaidAmt06356889
IRS990/PYTotalExpensesAmt014387863
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt016430473
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt03854328
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt028801083
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt032777917
IRS990/SavingsAndTempCashInvstGrp/BOYAmt021082763
IRS990/SavingsAndTempCashInvstGrp/EOYAmt017649062
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt05425231
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04277976
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt09703207
IRS990ScheduleD/EquipmentGrp/BookValueAmt02120816
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04854788
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt06975604
IRS990ScheduleD/ExpensesNotReportedAmt07834
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt015910247
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt01817583
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01817583
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0195350
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0614593
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0809943
IRS990ScheduleD/LossesReportedAmt07834
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0282560104
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt19777000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1NON MEMBERS' SHARES
IRS990ScheduleD/OtherRevenueAmt07834
IRS990ScheduleD/RevenueNotReportedAmt07834

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$338,302,075
Liabilities
$305,524,158
Net assets
$32,777,917
Revenue
$19,764,575
Expenses
$15,910,247
Net income
$3,854,328
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$593$545$48.2$36.8$33.8$3.03
2023Detailed filing. Detailed filing data is available for this year.$519$477$42.3$30.0$24.9$5.03
2022Detailed filing. Detailed filing data is available for this year.$515$479$36.4$25.7$18.8$6.91
2021Detailed filing. Detailed filing data is available for this year.$480$439$40.9$21.1$15.5$5.59
2020Detailed filing. Detailed filing data is available for this year.$411$374$37.0$19.2$15.5$3.80
2019Detailed filing. Detailed filing data is available for this year.$338$306$32.8$19.8$15.9$3.85
2018Detailed filing. Detailed filing data is available for this year.$312$283$28.8$16.4$14.4$2.04
2017Detailed filing. Detailed filing data is available for this year.$284$257$26.8$14.7$12.2$2.48
2016Detailed filing. Detailed filing data is available for this year.$260$236$24.3$13.0$10.6$2.38
2015Detailed filing. Detailed filing data is available for this year.$244$222$21.9$12.4$10.7$1.67
2014Detailed filing. Detailed filing data is available for this year.$230$209$20.5$11.6$10.3$1.27
2013Detailed filing. Detailed filing data is available for this year.$222$203$18.6$11.7$10.1$1.63
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$219$202$17.2$10.3
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$208$192$15.6$11.0
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$202$188$14.5$12.3