Civic Intelligence

Valley Credit Union

EIN 93-6027729 • 501(c)14 • Salem, OR

View Organization Page

Profile

Our mission is to provide member thrift and savings while providing low cost loans to members

2096 Mission St SESalem, OR 97302

n/A

Siviq Scores

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

Liabilities / Assets

45th percentile

0.89x

Higher debt load relative to assets than 45% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

33rd percentile

13.62x

Higher debt load relative to revenue than 33% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

17th percentile

3.0%

Higher net margin than 17% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

66th percentile

$266,208

Higher top officer pay than 66% of similar nonprofits.

Top officer pay equals 3.5% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

77th percentile

6.1%

Faster asset growth than 77% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

59th percentile

15%

Faster revenue growth than 59% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets45th percentile

Assets

Up

$116,196,216

Up $6,714,417 (+6.1%) from 2023

Liabilities

Up

$103,128,798

Up $6,350,507 (+6.6%) from 2023

Net Assets

Up

$13,067,418

Up $363,910 (+2.9%) from 2023

Operations
Liabilities / Revenue33rd percentileNet Margin17th percentile

Revenue

Up

$7,571,095

Up $1,009,358 (+15%) from 2023

Expenses

Up

$7,341,381

Up $1,587,085 (+28%) from 2023

Net Income

Down

$229,714

Down $577,727 (-72%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth77th percentile

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

$150M$100M$50M$0Assets 2011: $58,224,479Liabilities 2011: $53,126,400Net Assets 2011: $5,098,0792011Assets 2012: $58,127,086Liabilities 2012: $52,673,199Net Assets 2012: $5,453,8872012Assets 2013: $60,856,516Liabilities 2013: $54,819,527Net Assets 2013: $6,036,9892013Assets 2014: $63,220,850Liabilities 2014: $56,664,350Net Assets 2014: $6,556,5002014Assets 2015: $67,915,411Liabilities 2015: $61,047,244Net Assets 2015: $6,868,1672015Assets 2016: $71,351,703Liabilities 2016: $63,477,406Net Assets 2016: $7,874,2972016Assets 2017: $75,157,663Liabilities 2017: $66,402,414Net Assets 2017: $8,755,2492017Assets 2018: $74,158,970Liabilities 2018: $64,475,240Net Assets 2018: $9,683,7302018Assets 2019: $76,588,714Liabilities 2019: $65,923,196Net Assets 2019: $10,665,5182019Assets 2020: $87,405,523Liabilities 2020: $75,862,080Net Assets 2020: $11,543,4432020Assets 2021: $95,936,553Liabilities 2021: $83,532,788Net Assets 2021: $12,403,7652021Assets 2022: $101,149,265Liabilities 2022: $89,415,082Net Assets 2022: $11,734,1832022Assets 2023: $109,481,799Liabilities 2023: $96,778,291Net Assets 2023: $12,703,5082023Assets 2024: $116,196,216Liabilities 2024: $103,128,798Net Assets 2024: $13,067,4182024

Highlighted filing

2024

Assets$116,196,216
Liabilities$103,128,798
Net Assets$13,067,418
Open 2024 Filing

Operations Trend

Revenue Growth59th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2011: $3,168,7652011Expenses 2012: $2,918,0772012Revenue 2013: $3,391,411Expenses 2013: $2,808,308Net Income 2013: $583,1032013Revenue 2014: $3,283,470Expenses 2014: $2,763,959Net Income 2014: $519,5112014Revenue 2015: $3,296,064Expenses 2015: $2,984,397Net Income 2015: $311,6672015Revenue 2016: $3,262,160Expenses 2016: $2,256,030Net Income 2016: $1,006,1302016Revenue 2017: $3,369,737Expenses 2017: $2,488,785Net Income 2017: $880,9522017Revenue 2018: $3,935,710Expenses 2018: $3,007,230Net Income 2018: $928,4802018Revenue 2019: $4,220,190Expenses 2019: $3,238,402Net Income 2019: $981,7882019Revenue 2020: $4,347,107Expenses 2020: $3,433,701Net Income 2020: $913,4062020Revenue 2021: $4,536,004Expenses 2021: $3,629,655Net Income 2021: $906,3492021Revenue 2022: $4,901,740Expenses 2022: $4,146,414Net Income 2022: $755,3262022Revenue 2023: $6,561,737Expenses 2023: $5,754,296Net Income 2023: $807,4412023Revenue 2024: $7,571,095Expenses 2024: $7,341,381Net Income 2024: $229,7142024

Highlighted filing

2024

Revenue$7,571,095
Expenses$7,341,381
Net Income$229,714
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$116,196,216
Liabilities
$103,128,798
Net assets
$13,067,418
Revenue
$7,571,095
Expenses
$7,341,381
Net income
$229,714
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$116$103$13.1$7.57$7.34$0.23
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$109$96.8$12.7$6.56$5.75$0.81
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$101$89.4$11.7$4.90$4.15$0.76
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$95.9$83.5$12.4$4.54$3.63$0.91
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$87.4$75.9$11.5$4.35$3.43$0.91
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$76.6$65.9$10.7$4.22$3.24$0.98
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$74.2$64.5$9.68$3.94$3.01$0.93
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$75.2$66.4$8.76$3.37$2.49$0.88
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$71.4$63.5$7.87$3.26$2.26$1.01
2015Detailed filing. Detailed filing data is available for this year.$67.9$61.0$6.87$3.30$2.98$0.31
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$63.2$56.7$6.56$3.28$2.76$0.52
2013Detailed filing. Detailed filing data is available for this year.$60.9$54.8$6.04$3.39$2.81$0.58
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.1$52.7$5.45$2.92
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.2$53.1$5.10$3.17
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 24, 2025
Return Version
2024v5.2
Gross Receipts
$7,571,238
Mission and Program Overview

Mission

Our mission is to provide member thrift and savings while providing low cost loans to members

To provide exceptional service and products that includes great rates and low fees for our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$85,851,174$83,910,022▼ $1,941,152
Rtn Earn Endowment Incm Other Fnds$12,703,508$13,067,418▲ $363,910
Savings and Temporary Cash Investments$4,494,000$11,500,000▲ $7,006,000
Investments Other Securities$11,473,376$10,555,053▼ $918,323
Cash and Non-Interest-Bearing Accounts$3,232,613$5,503,477▲ $2,270,864
Land, Buildings, and Equipment, Net$1,801,519$1,802,119▲ $600
Investments Program Related$777,870$792,412▲ $14,542
Accounts Receivable$659,278$385,345▼ $273,933
Prepaid Expenses and Deferred Charges$294,541$318,382▲ $23,841
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$109,481,799$116,196,216▲ $6,714,417
Other Assets Total$897,428$1,429,406▲ $531,978
Liabilities
Other Liabilities$92,537,956$100,021,360▲ $7,483,404
Mortgage Notes Payable Secured by Investment Property$3,545,067$2,480,143▼ $1,064,924
Accounts Payable and Accrued Expenses$695,268$627,295▼ $67,973
Total Liabilities$96,778,291$103,128,798▲ $6,350,507
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,703,508$13,067,418▲ $363,910
Total Liabilities and Net Assets / Fund Balance$109,481,799$116,196,216▲ $6,714,417

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,173,007$807,118$1,980,125
Equipment$209,587$361,521$571,108
Land$419,523-$419,523
Leasehold Improvements$2$222,716$222,718
Other Securities$50,000--
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Pat ForceCEOFT$210,492$55,716$266,208
Justin RobertsVP of LendingFT$154,906$50,222$205,128
Jake TurpinVP of Member ServicesFT$114,549$46,301$160,850
Katie ClarkSecretaryFT$110,860$21,477$132,337
Shellie MartinAccounting ManagerFT$103,521$11,978$115,499

Board Members and Trustees

NameTitle
Rob KanskyChairman
Patrick VanceVice Chairman
Earlene NaylorDirector
Jeff ScofieldDirector
Marilyn BaconDirector
Randy SuttonDirector
Tyler ClarkDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,941,070
Investment Income
$630,025
Other Revenue
$0
Change in Net Assets
$229,714
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,333,371
Salaries, Compensation, and Employee Benefits$1,928,805
Grants and Similar Amounts Paid$15,157
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$1,035,222
Other Salaries and Wages---$771,303
Current Officers, Directors, Trustees, and Key Employees---$649,388
Other Employee Benefits---$387,940
Occupancy---$138,529
Fees for Services Other---$126,364
Payroll Taxes---$120,174
Advertising---$106,574
Interest---$81,163
Travel---$71,086
Information Technology---$65,993
Other Expenses---$65,603
Benefits to Members---$64,048
Fees for Services Legal---$46,176
Depreciation Depletion---$45,761
Fees for Services Accounting---$45,600
Grants to Domestic Orgs---$15,157
All Other Expenses---$11,525
Conferences and Meetings---$4,914
Total Functional Expenses$0$0$0$7,341,381
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
Member Shares$45,373,574
Time Deposits$43,660,629
Money Market Shares$10,987,157
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
No
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
No
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

“Valley credit union has one class of members. Membership is open to persons who live or work in, or organizations located within, the community of these four counties in oregon: linn, marion, polk and yamhill.”

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

“Members elect the board of directors from candidates selected by the nominating committee. At every annual meeting (june) every credit union member has one vote towards the election of the credit union's governing body. The credit union also create a full annual report for members to review and keep them up to date.”

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

“There are no committees with broad authority to act on behalf of the governing body.”

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

“We have contracted with a cpa firm that specializes in guiding and completing form 990 for the credit union. Staff provides requested information about the credit union to the cpa firm. The ceo pat force and director of admin services katie clark review it every year as well as auditors and examiners before submission to the irs.”

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

“The ceo review is conducted by the ceo evaluation committee of the board each year, and completed in december. It consists of employee and board surveys and the achievement of various metrics. The other officers receive an annual review from the ceo at mid-year and compensation adjustments are made at that time.”

Form 990, Part VI, Section C, Line 19

“All required documents are available upon request during business hours.”

Filing and Contact Details

Filer

Filer Name
Valley Credit Union
EIN
93-6027729
Phone
5035896200
Address
2096 MISSION ST SE, SALEM, OR 97302

Signing Officer

Name
Pat Force
Title
CEO
Phone
7012551091
Signed
2025-09-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Pat Force
Formed
1957
Legal Domicile
Or
Voting Board Members
7
Independent Board Members
7
Employees
19
Volunteers
10

Preparer

Firm
Opsahl Dawson
Address
10940 NE 33RD PLACE SUITE 100, BELLEVUE, WA 98004
Preparer
Lindsey Sas 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.”

Raw XML AppendixShowing 400 of 470 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
IRS990/AccountantCompileOrReviewInd01
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0695268
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0627295
IRS990/AccountsReceivableGrp/BOYAmt0659278
IRS990/AccountsReceivableGrp/EOYAmt0385345
IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE EXCEPTIONAL SERVICE AND PRODUCTS THAT INCLUDES GREAT RATES AND LOW FEES FOR OUR MEMBERS.
IRS990/AdvertisingGrp/TotalAmt0106574
IRS990/AllOtherExpensesGrp/TotalAmt011525
IRS990/AuditCommitteeInd00
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt064048
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0PAT FORCE
IRS990/BooksInCareOfDetail/PhoneNum05035896200
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02096 MISSION STREET SE
IRS990/BooksInCareOfDetail/USAddress/CityNm0SALEM
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0OR
IRS990/BooksInCareOfDetail/USAddress/ZIPCd097302
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt03232613
IRS990/CashNonInterestBearingGrp/EOYAmt05503477
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0649388
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt04914
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt064048
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt015157
IRS990/CYInvestmentIncomeAmt0630025
IRS990/CYOtherExpensesAmt05333371
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt06941070
IRS990/CYRevenuesLessExpensesAmt0229714
IRS990/CYSalariesCompEmpBnftPaidAmt01928805
IRS990/CYTotalExpensesAmt07341381
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt07571095
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt045761
IRS990/Desc0PROVIDE LOW COST LOANS TO MEMBERS USING FUNDS ON DEPOSIT.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt019
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt045600
IRS990/FeesForServicesLegalGrp/TotalAmt046176
IRS990/FeesForServicesOtherGrp/TotalAmt0126364
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
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IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1021477
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1111978
IRS990/Form990PartVIISectionAGrp/PersonNm0ROB KANSKY
IRS990/Form990PartVIISectionAGrp/PersonNm1TYLER CLARK
IRS990/Form990PartVIISectionAGrp/PersonNm2MARILYN BACON
IRS990/Form990PartVIISectionAGrp/PersonNm3PATRICK VANCE
IRS990/Form990PartVIISectionAGrp/PersonNm4EARLENE NAYLOR
IRS990/Form990PartVIISectionAGrp/PersonNm5JEFF SCOFIELD
IRS990/Form990PartVIISectionAGrp/PersonNm6RANDY SUTTON
IRS990/Form990PartVIISectionAGrp/PersonNm7PAT FORCE
IRS990/Form990PartVIISectionAGrp/PersonNm8JUSTIN ROBERTS
IRS990/Form990PartVIISectionAGrp/PersonNm9JAKE TURPIN
IRS990/Form990PartVIISectionAGrp/PersonNm10KATIE CLARK
IRS990/Form990PartVIISectionAGrp/PersonNm11SHELLIE MARTIN
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP OF MEMBER SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt10SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt11ACCOUNTING MANAGER
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01957
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-143
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticOrgsGrp/TotalAmt015157
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt07571238
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
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IRS990/InformationTechnologyGrp/TotalAmt065993
IRS990/InterestGrp/TotalAmt081163
IRS990/InvestmentIncomeGrp/ExclusionAmt0607735
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0630168
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt022433
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IRS990/InvestmentsProgramRelatedGrp/BOYAmt0777870
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0792412
IRS990/IRPDocumentCnt04823
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01391355
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01801519
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01802119
IRS990/LandBldgEquipCostOrOtherBssAmt03193474
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IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0143
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd00
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0SERVING FOR YOUR SUCCESS
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt02480143
IRS990/NetAssetsOrFundBalancesBOYAmt012703508
IRS990/NetAssetsOrFundBalancesEOYAmt013067418
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-4
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-143
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt0-139
IRS990/NetUnrelatedBusTxblIncmAmt011259
IRS990/NetUnrlzdGainsLossesInvstAmt0134196
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0138529
IRS990/OfficeExpensesGrp/TotalAmt01035222
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0897428
IRS990/OtherAssetsTotalGrp/EOYAmt01429406
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0387940
IRS990/OtherExpensesGrp/Desc0DIVIDEND EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS EXPENSE
IRS990/OtherExpensesGrp/TotalAmt02127021
IRS990/OtherExpensesGrp/TotalAmt11128912
IRS990/OtherExpensesGrp/TotalAmt2232928
IRS990/OtherExpensesGrp/TotalAmt365603
IRS990/OtherLiabilitiesGrp/BOYAmt092537956
IRS990/OtherLiabilitiesGrp/EOYAmt0100021360
IRS990/OtherSalariesAndWagesGrp/TotalAmt0771303
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt085851174
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt083910022
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0120174
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0294541
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0318382
IRS990/PrincipalOfficerNm0PAT FORCE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522291
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER MEMBER FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05966860
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1865571
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2108141
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05958576
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1871790
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2110704
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0-8284
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt16219
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt22563
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt061484
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt026127
IRS990/PYInvestmentIncomeAmt0364955
IRS990/PYOtherExpensesAmt03850032
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt06196782
IRS990/PYRevenuesLessExpensesAmt0807441
IRS990/PYSalariesCompEmpBnftPaidAmt01816653
IRS990/PYTotalExpensesAmt05754296
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt06561737
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0229714
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt012703508
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt013067418
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04494000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt011500000
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01173007
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0807118
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01980125
IRS990ScheduleD/EquipmentGrp/BookValueAmt0209587
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0361521
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0571108
IRS990ScheduleD/LandGrp/BookValueAmt0419523
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0419523
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt02
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0222716
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0222718
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt045373574
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt110987157
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt243660629
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MONEY MARKET SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2TIME DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt010179238
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1148415
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2177400
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt350000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0US SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CORPORATE AMERICA CU
IRS990ScheduleD/OtherSecuritiesGrp/Desc2FHLB STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc3ESI
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01802119
IRS990ScheduleD/TotalBookValueSecuritiesAmt010555053
IRS990ScheduleD/TotalLiabilityAmt0100021360
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0210492
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1154906
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2114549
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount030404
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount116049
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount212128
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt025312
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt134173
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt234173
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0PAT FORCE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1JUSTIN ROBERTS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2JAKE TURPIN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1VP OF LENDING
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2VP OF MEMBER SERVICES
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0266208
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1205128
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2160850
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt20
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0VALLEY CREDIT UNION HAS ONE CLASS OF MEMBERS. MEMBERSHIP IS OPEN TO PERSONS WHO LIVE OR WORK IN, OR ORGANIZATIONS LOCATED WITHIN, THE COMMUNITY OF THESE FOUR COUNTIES IN OREGON: LINN, MARION, POLK AND YAMHILL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ELECT THE BOARD OF DIRECTORS FROM CANDIDATES SELECTED BY THE NOMINATING COMMITTEE. AT EVERY ANNUAL MEETING (JUNE) EVERY CREDIT UNION MEMBER HAS ONE VOTE TOWARDS THE ELECTION OF THE CREDIT UNION'S GOVERNING BODY. THE CREDIT UNION ALSO CREATE A FULL ANNUAL REPORT FOR MEMBERS TO REVIEW AND KEEP THEM UP TO DATE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THERE ARE NO COMMITTEES WITH BROAD AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3WE HAVE CONTRACTED WITH A CPA FIRM THAT SPECIALIZES IN GUIDING AND COMPLETING FORM 990 FOR THE CREDIT UNION. STAFF PROVIDES REQUESTED INFORMATION ABOUT THE CREDIT UNION TO THE CPA FIRM. THE CEO PAT FORCE AND DIRECTOR OF ADMIN SERVICES KATIE CLARK REVIEW IT EVERY YEAR AS WELL AS AUDITORS AND EXAMINERS BEFORE SUBMISSION TO THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CEO REVIEW IS CONDUCTED BY THE CEO EVALUATION COMMITTEE OF THE BOARD EACH YEAR, AND COMPLETED IN DECEMBER. IT CONSISTS OF EMPLOYEE AND BOARD SURVEYS AND THE ACHIEVEMENT OF VARIOUS METRICS. THE OTHER OFFICERS RECEIVE AN ANNUAL REVIEW FROM THE CEO AT MID-YEAR AND COMPENSATION ADJUSTMENTS ARE MADE AT THAT TIME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ALL REQUIRED DOCUMENTS ARE AVAILABLE UPON REQUEST DURING BUSINESS HOURS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 8B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XII, 2C
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00

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