2024-10-29T10:23:53-05:00 2023-12-31 381357951 PLANTE & MORAN PLLC 750 TRADE CENTRE WAY STE 300 PORTAGE MI 49002 990 2023-01-01 840470451 ENT CREDIT UNION ENTF 7195741100 11550 ENT PARKWAY COLORADO SPRINGS CO 80921 CHAD GRAVES PRESIDENT/CEO 7195741100 2024-10-28 1 1 JOSHUA NITZ CPA P01946955 2695674500 2024-10-28 2023 2024-10-15 13:58:12Z CHAD GRAVES 11550 ENT PARKWAY COLORADO SPRINGS CO 80921 535092334 0 X ENT.COM X 1991 CO THE MISSION OF ENT CREDIT UNION IS TO HELP MEMBERS IMPROVE THEIR FINANCIAL QUALITY OF LIFE. 9 9 1748 2 1217873 0 0 0 374507524 480612480 17632405 37088081 13970739 17121812 406110668 534822373 2098550 1999219 0 0 172903932 178415154 0 0 0 159114836 294024153 334117318 474438526 71993350 60383847 9803426888 9792983683 8911339209 8893183868 892087679 899799815 THE MISSION OF ENT CREDIT UNION IS TO IMPROVE MEMBERS' FINANCIAL QUALITY OF LIFE. 0 0 ENT CREDIT UNION SERVES 21 COUNTIES THROUGHOUT COLORADO, ALONG THE FRONT RANGE. THE CREDIT UNION IMPROVES OUR MEMBERS' FINANCIAL QUALITY OF LIFE BY OFFERING A FULL ARRAY OF PRODUCTS AND SERVICES, INCLUDING DEPOSITORY AND LOAN PRODUCTS, ATM/DEBIT PROGRAM, FINANCIAL EDUCATION, INSURANCE, AND INVESTMENT SALES. WE ENDED THE YEAR WITH 533,480 MEMBERS. THERE WERE 73,078 LOANS GRANTED TOTALING $2,832,511,967. ENT CREDIT UNION CURRENTLY OFFERS 55 BRANCH LOCATIONS WITH A WIDE ARRAY OF REMOTE OPTIONS THROUGH OUR COOPERATION WITH THE COOP ATM NETWORK, SHARED BRANCH NETWORK, AND ONLINE MOBILE BANKING SOLUTIONS. 0 0 0 0 0 0 0 1 0 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 165523 0 1 1748 1 1 1 0 0 0 0 0 1 0 X 9 9 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 1 0 X CHAD GRAVES 7195741100 11550 ENT PARKWAY COLORADO SPRINGS CO 80921 AYEN WILLIAM CHAIRMAN 1.00 0.00 X X 68875 0 0 CHANDLER DEBBIE TREASURER 1.00 0.00 X X 39250 0 0 NICHOLSON PAM VICE CHAIRMAN 1.00 0.00 X X 65764 0 0 VADALA CHRIS SECRETARY 1.00 0.00 X X 61000 0 0 DRUMMER TIM DIRECTOR 1.00 0.00 X 57458 0 0 GLOVER WALTER DIRECTOR 1.00 0.00 X 56638 0 0 HENZ KAY DIRECTOR 1.00 0.00 X 55000 0 0 KALLETTA RICHARD DIRECTOR 1.00 0.00 X 30500 0 0 MARTINEZ RON DIRECTOR 1.00 0.00 X 58000 0 0 GALGANO JEFFREY DIRECTOR 1.00 0.00 X 34200 0 0 GRAVES CHAD M PRESIDENT/CEO 40.00 0.00 X 2894314 0 533258 COON MARY J CHIEF FINANCIAL OFFICER - PART YEAR 40.00 0.00 X 278719 0 25281 LECLERC DAN N CHIEF FINANCIAL OFFICER 40.00 0.00 X 784372 0 48258 GENDRON MATTHEW J CHIEF ENGAGEMENT OFFICER 40.00 0.00 X 1027979 0 43408 SCHOLES RICHARD A CHIEF EXPERIENCE OFFICER 40.00 0.00 X 1021251 0 90258 BELL MOLLIE B CHIEF DEVELOPMENT OFFICER 40.00 0.00 X 870165 0 83329 KELLNER ROBERT C CHIEF RISK OFFICER - PART YEAR 40.00 0.00 X 519666 0 10126 MARSHALL CHRISTOPHER J CHIEF TECHNOLOGY OFFICER 40.00 0.00 X 789335 0 39962 VOGENEY WILLIAM D CHIEF REVENUE OFFICER - PART YEAR 40.00 0.00 X 983219 0 43408 SUSSMAN JENNIFER S CHIEF MARKETING OFFICER 40.00 0.00 X 784848 0 138258 PAUKOVICH JON A CHIEF LENDING OFFICER 40.00 0.00 X 746589 0 112258 ALLMAN GINA L MORT LOAN OFFICER-EXT 40.00 0.00 X 309835 0 39606 BECHTEL THOMAS MORT LOAN OFFICER-EXT 40.00 0.00 X 289140 0 25454 DOMBROWSKI STEPHANIE S MORT LOAN OFFICER-EXT 40.00 0.00 X 849787 0 47418 SERRANO-ROJAS KEVIN A MORT LOAN OFFICER-EXT 40.00 0.00 X 332968 0 37563 STANGE SHIRLEY D MORT LOAN OFFICER-EXT 40.00 0.00 X 342401 0 34654 13351273 0 1352499 369 1 1 0 KEYS & LAURER ARCHITECTS 11681 VOYAGER PKWY SUITE 200 COLORADO SPRINGS CO 80921 ARCHITECTURAL PLANNING AND DESIGN 854766 ALM FIRST FINANCIAL ADVISORS 3800 MAPLE AVE SUITE 600 DALLAS TX 75219 FINANCIAL ADVISORY & CONSULTING 606652 CROWE LLP PO BOX 71570 CHICAGO IL 60694 CONSULTING, SOFTWARE 580738 OPTIMAL BLUE LLC PO BOX 844004 DALLAS TX 75284 VALUATION CONSULTING AND SOFTWARE 246212 ELEVATION CORPORATE HEALTH LLC 861 SOUTHPARK DRIVE SUITE 100 LITTLETON CO 80120 FITNESS CENTER MANAGEMENT 229232 14 INTEREST ON LOANS 522100 398221519 398221519 FEES/CHARGES/OTHER 522100 81162395 81162395 FEES/CHARGES/OTHER-NON 522100 1228566 1228566 480612480 37319368 37319368 563019 563019 43550 0 43550 43550 43550 38674 269961 -231287 -231287 -231287 GAIN ON SALE OF LOANS 522100 12795152 12795152 BROKERAGE COMMISSIONS 900099 2864479 2864479 NON-OPERATING INCOME 900099 866305 866305 -10693 -10693 16515243 534822373 495678563 1217873 37925937 1986219 13000 11639748 123561259 12244604 20377907 10591636 375793 325540 165804 8304847 13480295 16904811 16537381 13411120 793678 124090443 18255959 916843 PROVISION FOR LOAN LOSS 53561206 DEBIT CARD SERVICES 12123342 LOAN SERVICING EXPENSE 7833520 MEMBER CHECK ORDER EXPE 273066 6670505 474438526 41631601 40512308 149528585 375664833 9673066 5325200 8325270423 8150268450 12349764 16527590 403933763 69892172 324516924 334041591 676099368 621428782 50190000 15672600 8333333 8000000 205833824 225542329 9803426888 9792983683 148893835 156246741 42798144 42215400 955223481 403248583 7764423749 8291473144 8911339209 8893183868 X 0 0 0 0 892087679 899799815 892087679 899799815 9803426888 9792983683 X 60383847 2071282 -54742993 X 0 1 X 1 0 1 42798144 84350813 84933557 42215400 1 X 49430034 49430034 251584243 30044157 221540086 17527639 6011540 11516099 85391847 33836475 51555372 334041591 CHECKING ACCOUNTS 1912061345 SHARE SAVINGS ACCOUNTS 2010151528 MONEY MARKET ACCOUNTS 1814375467 HSA ACCOUNTS 15627149 IRA SHARE SAVINGS 56432391 SHARE AND IRA CERTIFICATES 2426348571 LEASE LIABILITIES 56476693 8291473144 X PART IV, LINE 1B: ENT CREDIT UNION SERVICES LOANS FOR THIRD-PARTY ENTITIES THAT ARE NOT SHOWN ON FORM 990, PART X. THE LOANS ARE SERVICED FOR THE FEDERAL NATIONAL MORTGAGE ASSOCIATION (FNMA); THE FEDERAL HOME LOAN BANK (FHLB); AND THE GOVERNMENT NATIONAL MORTGAGE ASSOCIATION (GNMA). ENT ALSO SERVICES LOANS THAT WERE SOLD IN AN ASSET-BACKED SECURITIZATION TO VARIOUS INVESTORS, AS WELL AS SERVICES SOLD PARTICIPATION LOANS TO VARIOUS BANKS AND CREDIT UNIONS. PART IV, LINE 2B: ESCROW ACCOUNTS ARE MAINTAINED FOR THE TAXES AND INSURANCE PAYABLE ON THE REAL ESTATE SECURING THE CREDIT UNION'S MORTGAGE LOANS. THE ESCROWS MAINTAINED AT THE CREDIT UNION FOR TAXES AND INSURANCE PAYABLE INCLUDE LOANS TO THE FEDERAL NATIONAL MORTGAGE ASSOCIATION (FNMA), THE FEDERAL HOME LOAN BANK (FHLB), AND THE GOVERNMENT NATIONAL MORTGAGE ASSOCIATION (GNMA) FOR WHICH ENT CREDIT UNION RETAINS SERVICING. PART X, LINE 2: THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL AND STATE INCOME TAXES. HOWEVER, THE CREDIT UNION MAY BE SUBJECT TO UNRELATED BUSINESS INCOME TAX. ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA REQUIRE MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE CREDIT UNION AND RECOGNIZE A TAX LIABILITY IF THE CREDIT UNION HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD NOT BE SUSTAINED UPON EXAMINATION BY THE INTERNAL REVENUE SERVICE (IRS) OR OTHER APPLICABLE TAXING AUTHORITIES. MANAGEMENT HAS ANALYZED THE TAX POSITIONS TAKEN BY THE CREDIT UNION AND HAS CONCLUDED THAT, AS OF DECEMBER 31, 2023 AND 2022, THERE ARE NO UNCERTAIN POSITIONS TAKEN OR EXPECTED TO BE TAKEN THAT WOULD REQUIRE RECOGNITION OF A LIABILITY OR DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS. THE CREDIT UNION IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS. 1 A PRECIOUS CHILD 7051 W 118TH AVENUE BROOMFIELD CO 80020 263349334 501(C)3 0 5500 N/A N/A ANNUAL SUPPORT, 15TH ANNIVERSARY CRYSTAL BALL AMERICAN RED CROSS 444 SHERMAN STREET DENVER CO 80203 530196605 501(C)3 0 10000 N/A N/A HEROES SOIREE ANGELS OF AMERICA'S FALLEN 10010 DEVONWOOD COURT COLORADO SPRINGS CO 80920 455029479 501(C)3 0 10900 N/A N/A SUPPORT BAL SWAN CHILDREN'S CENTER 1145 E 13TH AVE BROOMFIELD CO 80020 840535171 501(C)3 0 10500 N/A N/A EARLY CHILDHOOD DEVELOPMENTAL AND SOCIAL EMOTIONAL SCREENING, BOOK DRIVE CARE & SHARE INC 2605 PREAMBLE PT COLORADO SPRINGS CO 80915 840731930 501(C)3 0 101850 N/A N/A HOPE SPONSORSHIP, ANNUAL TRUCK,EMPLOYER MATCHING GENERAL CONTRIBUTIONS CATHOLIC CHARITIES OF CENTRAL COLORADO 228 NORTH CASCADE AVENUE COLORADO SPRINGS CO 80903 840586169 501(C)3 0 108000 N/A N/A SHAMROCK SHINDIG, CAPITAL CAMPAIGN CHILDREN'S ADVOCACY CENTER FOR THE PIKES PEAK REGION INC DBA SAFE PASSAGE 2335 ROBINSON STREET COLORADO SPRINGS CO 80904 841241767 501(C)3 0 110000 N/A N/A FUNDRAISING LUNCHEON, GENERAL SUPPORT, CAPITAL CAMPAIGN CHILDREN'S HOSPITAL COLORADO FOUNDATION 13123 E 16TH AVENUE BOX 045 AURORA CO 80045 840813462 501(C)3 0 260000 N/A N/A PARTNERSHIP AGREEMENT COLORADO SPRINGS CHILDREN'S CHORALE 1409 PALMER PARK BLVD COLORADO SPRINGS CO 80909 840999238 501(C)3 0 6000 N/A N/A POINSETTIAS FUNDRAISER COLORADO SPRINGS POLICE FOUNDATION 10 LAKE CIRCLE COLORADO SPRINGS CO 80906 270926740 501(C)3 0 12500 N/A N/A MEDAL OF VALOR EARLY CONNECTIONS LEARNING CENTERS 104 E RIO GRANDE STREET COLORADO SPRINGS CO 80903 840632406 501(C)3 0 75000 N/A N/A BUILDING FUTURES CAMPAIGN FORT COLLINS HABITAT FOR HUMANITY 4001 S TAFT HILL ROAD FORT COLLINS CO 80526 841217901 501(C)3 0 50000 N/A N/A ANNUAL BUILD DAYS FOOD TO POWER 1090 S INSTITUTE STREET COLORADO SPRINGS CO 80903 463665741 501(C)3 0 15000 N/A N/A INVESTING IN HILLSIDE HUB FRIENDS OF THE CHILDREN - COLORADO SPRINGS 105 COLERIDGE AVENUE COLORADO SPRINGS CO 80909 870920034 501(C)3 0 11000 N/A N/A YOUTH FINANCIAL LITERACY, EDUCATION SUCCCESS FRONT RANGE COMMUNITY COLLEGE 3645 W 112TH AVE WESTMINSTER CO 80031 841311148 501(C)3 0 100000 N/A N/A PARTNERSHIP AGREEMENT GOODWILL OF COLORADO 1460 GARDEN OF THE GODS ROAD COLORADO SPRINGS CO 80907 840513404 501(C)3 0 21000 N/A N/A ANNUAL DINNER, CHIC BOUTIQUE SPONSORSHIP HABITAT FOR HUMANITY METRO DENVER INC 3245 ELIOT STREET DENVER CO 80211 742050021 501(C)3 0 10000 N/A N/A WOMEN AND PRIDE BUILD KIDPOWER OF COLORADO INC 2335 ROBINSON STREET COLORADO SPRINGS CO 80904 841312785 501(C)3 0 15000 N/A N/A CHOCOHOLIC FROLIC SPONSORSHIP METROPOLITAN STATE UNIVERSITY 1051 14TH STREET DENVER CO 80202 416007162 501(C)3 0 50000 N/A N/A PARTNERSHIP AGREEMENT MILE HIGH UNITED WAY PO BOX 5547 DENVER CO 80217 840404235 501(C)3 0 6182 N/A N/A ANNUAL GIVE CAMPAIGN NATIONAL CREDIT UNION FOUNDATION 5710 MINERAL POINT RD MADISON WI 53705 391383650 501(C)3 0 25000 N/A N/A ANNUAL SUPPORT NEIGHBOR TO NEIGHBOR 1550 BLUE SPRUCE DRIVE FORT COLLINS CO 80524 840630214 501(C)3 0 6000 N/A N/A ANNUAL GALA, RENTAL HOUSING SOLUTIONS, N2N HOUSING SOLUTIONS PROGRAM PIKES PEAK COMMUNITY FOUNDATION 102 S TEJON ST SUITE 530 COLORADO SPRINGS CO 80903 841339670 501(C)3 0 10000 N/A N/A PORTAL SUPPORT PIKES PEAK HABITAT FOR HUMANITY 2802 N PROSPECT ST COLORADO SPRINGS CO 80907 351640064 501(C)3 0 6000 N/A N/A GENERAL SUPPORT PIKES PEAK UNITED WAY 518 NORTH NEVADA AVENUE COLORADO SPRINGS CO 80903 840511799 501(C)3 0 148873 N/A N/A ANNUAL GIVE CAMPAIGN, 2-1-1 PROGRAM, CORNERSTONE PROGRAM PUEBLO POLICE DEPARTMENT 200 SOUTH MAIN STREET PUEBLO CO 81003 846000615 SECTION 115 0 7500 N/A N/A ANNUAL AWARDS CEREMONY SPONSOR RAY OF HOPE CANCER FOUNDATION 1385 S COLORADO BLVD SUITE 108 DENVER CO 80222 270029283 501(C)3 0 10500 N/A N/A FAMILY HOPE, GENERAL SUPPORT RESPITE CARE INC 6203 S LEMAY AVENUE FORT COLLINS CO 80525 840840653 501(C)3 0 9000 N/A N/A RESPITE CARE LUNCHEON, GENERAL SUPPORT, SUMMER OFF-PREMISE DAY CAMP SECORCARES 17151 PINE LANE PARKER CO 80134 204226894 501(C)3 0 13000 N/A N/A MSU MOBILE SUPPORT, FOOD FOR THOUGHT SPRINGS RESCUE MISSION 5 W LAS VEGAS ST COLORADO SPRINGS CO 80903 841340824 501(C)3 0 20000 N/A N/A CAPITAL CAMPAIGN THE PLACE 423 E CUCHARRAS STREET COLORADO SPRINGS CO 80903 841549702 501(C)3 0 7500 N/A N/A SUPPORT FOR YOUTH HOMELESSNESS, OFF THE STREET BREAKFAST UNIVERSITY OF COLORADO COLORADO SPRINGS 1420 AUSTIN BLUFFS PARKWAY COLORADO SPRINGS CO 80918 846049811 501(C)3 0 140000 N/A N/A ANNUAL SCHOLARSHIP PROGRAM UNITED WAY OF LARIMER COUNTY 525 WEST OAK ST STE 101 FORT COLLINS CO 805212654 846031503 501(C)3 0 17365 N/A N/A ANNUAL CAMPAIGN UNITED WAY OF PUEBLO COUNTY INC 310 E ABRIENDO AVE STE 300 PUEBLO CO 81004 840404917 501(C)3 0 18548 N/A N/A ANNUAL CAMPAIGN UNITED WAY OF WELD COUNTY 814 9TH STREET GREELEY CO 80631 846011918 501(C)3 0 12183 N/A N/A ANNUAL CAMPAIGN, READING CORPS, CORNERSTONE GIFT WARREN VILLAGE 1323 N GILPIN STREET DENVER CO 80218 840644270 501(C)3 0 25000 N/A N/A PROGRAMMING GALA WORLD COUNCIL OF CREDIT UNIONS 5710 MINERAL POINT RD MADISON WI 53705 396093210 501(C)3 0 10000 N/A N/A MEMBERSHIP/SUPPORT 36 1 TEACHER AWARDS 2 13000 N/A TEACHER OF THE MONTH PART I, LINE 2: ENT TRACKS ALL GRANTS VIA AN EXCEL SPREADSHEET MANAGED BY OUR COMMUNITY ADVOCACY DEPARTMENT. THIS IS UPDATED MONTHLY. ENT MAKES CONTRIBUTIONS TO ORGANIZATIONS, AGENCIES AND ACTIVITIES SERVING THE FOLLOWING PURPOSES: EDUCATION, HEALTH, HUMAN SERVICES, COMMUNITY (INCLUDING CULTURAL) DEVELOPMENT, ECONOMIC DEVELOPMENT AND MILITARY RECOGNITION AND MORALE. ALL CONTRIBUTIONS ARE TO ORGANIZATIONS IN THE COMMUNITIES WE SERVE AND/OR SUPPORT THE CREDIT UNION MOVEMENT. X X 1 1 X X X X 1 1 0 GRAVES CHAD M PRESIDENT/CEO 900000 0 494935 0 1499379 0 514700 0 18558 0 3427572 0 0 0 SCHOLES RICHARD A CHIEF EXPERIENCE OFFICER 486054 0 184841 0 350356 0 71700 0 18558 0 1111509 0 0 0 GENDRON MATTHEW J CHIEF ENGAGEMENT OFFICER 486054 0 184841 0 357084 0 29700 0 13708 0 1071387 0 0 0 VOGENEY WILLIAM D CHIEF REVENUE OFFICER - PART YEAR 450393 0 171242 0 361584 0 29700 0 13708 0 1026627 0 0 0 BELL MOLLIE B CHIEF DEVELOPMENT OFFICER 477026 0 181408 0 211731 0 69700 0 13629 0 953494 0 0 0 SUSSMAN JENNIFER S CHIEF MARKETING OFFICER 402736 0 153156 0 228956 0 119700 0 18558 0 923106 0 0 0 DOMBROWSKI STEPHANIE S MORT LOAN OFFICER-EXT 50000 0 795122 0 4665 0 29700 0 17718 0 897205 0 0 0 PAUKOVICH JON A CHIEF LENDING OFFICER 338974 0 128908 0 278707 0 93700 0 18558 0 858847 0 0 0 LECLERC DAN N CHIEF FINANCIAL OFFICER 375000 0 142609 0 266763 0 29700 0 18558 0 832630 0 0 0 MARSHALL CHRISTOPHER J CHIEF TECHNOLOGY OFFICER 392827 0 149388 0 247120 0 29700 0 10262 0 829297 0 0 0 KELLNER ROBERT C CHIEF RISK OFFICER - PART YEAR 67314 0 0 0 452352 0 7238 0 2888 0 529792 0 0 0 STANGE SHIRLEY D MORT LOAN OFFICER-EXT 50000 0 287641 0 4760 0 16810 0 17844 0 377055 0 0 0 SERRANO-ROJAS KEVIN A MORT LOAN OFFICER-EXT 55000 0 273516 0 4452 0 29700 0 7863 0 370531 0 0 0 ALLMAN GINA L MORT LOAN OFFICER-EXT 50000 0 255364 0 4471 0 21888 0 17718 0 349441 0 0 0 BECHTEL THOMAS MORT LOAN OFFICER-EXT 50000 0 234597 0 4543 0 17239 0 8215 0 314594 0 0 0 COON MARY J CHIEF FINANCIAL OFFICER - PART YEAR 11493 0 0 0 267226 0 24909 0 372 0 304000 0 0 0 PART 1, LINE 1A: BOARD MEMBERS ARE PROVIDED A TRAVEL AND TRAINING BUDGET. THESE FUNDS ARE USED AS EACH BOARD MEMBER DECIDED WHICH TRAINING TO ATTEND. SPOUSE/GUEST TRAVEL EXPENSES COME OUT OF THIS BUDGET. EACH YEAR, SPOUSE/GUEST TRAVEL IS REPORTED AS INCOME ON FORM 1099-NEC. PART 1, LINE 4B: THE CREDIT UNION MAINTAINS THREE DEFERRED COMPENSATION PLANS COVERING CERTAIN MEMBERS OF MANAGEMENT. DURING 2023, THE FOLLOWING BENEFITS WERE ACCRUED: CHAD M. GRAVES - 457(F): $485,000 JON A. PAUKOVICH - 457(F): $64,000 RICHARD A. SCHOLES - 457(F): $42,000 MOLLIE B. BELL - 457(F): $40,000 JENNIFER S. SUSSMAN - 457(F): $90,000 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION HAS MEMBERS AND THE FIELD OF MEMBERSHIP OF THIS CREDIT UNION SHALL BE LIMITED TO THOSE HAVING THE FOLLOWING COMMON BOND: A. PERSONS WHO LIVE, WORK, WORSHIP OR ATTEND SCHOOL WITHIN ADAMS, ALAMOSA, ARAPAHOE, BOULDER, BROOMFIELD, COSTILLA, CROWLEY, CUSTER, DENVER, DOUGLAS, ELBERT, EL PASO, FREMONT, HUERFANO, JEFFERSON, LARIMER, LAS ANIMAS, OTERO, PUEBLO, TELLER AND WELD COUNTIES, COLORADO; B. MEMBERS OF RECORD OF THIS CREDIT UNION AS OF THE DATE OF ITS CONVERSION TO A COMMUNITY CHARTER; C. EMPLOYEES OF THIS CREDIT UNION; D. MEMBERS OF THEIR IMMEDIATE FAMILIES OR HOUSEHOLDS; AND E. ORGANIZATIONS OF SUCH PERSONS. F. AS A RESULT OF MERGERS: FORMER MEMBERS OF MOUNTAIN BELL CREDIT UNION, BUCKLEY FEDERAL CREDIT UNION, FIRST CHARTER FEDERAL CREDIT UNION, DECIBEL COMMUNITY CREDIT UNION, AND US ALLIANCE FEDERAL CREDIT UNION. G. ANYONE WHO IS A MEMBER OF THE AMERICAN CONSUMER COUNCIL (ACC) FORM 990, PART VI, SECTION A, LINE 7A OUR 533,480 MEMBERS EACH ARE ALLOWED ONE VOTE DURING EACH BOARD ELECTION. FORM 990, PART VI, SECTION A, LINE 7B MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR, SUCH AS CERTAIN MERGER OPPORTUNITIES AND POTENTIAL CHARTER CONVERSIONS. FORM 990, PART VI, SECTION B, LINE 11B THE 990 IS PREPARED BY AN OUTSIDE ACCOUNTING FIRM HIRED FOR SUCH PURPOSE. DATA AND OTHER INFORMATION IS SUPPLIED TO THAT FIRM TO USE IN PREPARATION OF THE DOCUMENT. A COPY OF FORM 990 WILL BE PROVIDED TO THE BOARD OF DIRECTORS FOR REVIEW AFTER FILING. FORM 990, PART VI, SECTION B, LINE 12C THE INTERNAL AUDIT DEPARTMENT PERFORMS ANNUAL TESTING ON EMPLOYEE AND OFFICIAL ACCOUNTS FOR RATES, TERMS & CONDITIONS CONSISTENT WITH WHAT WOULD BE OFFERED TO THE GENERAL MEMBERSHIP OUTSIDE OF THE ALLOWED EMPLOYEE DISCOUNT. ANNUALLY A BOARD MONITORING REPORT IS COMPLETED TO ATTEST FOR PURCHASES WHERE NORMALLY PRUDENT PROTECTIONS HAVE BEEN GIVEN AGAINST CONFLICT OF INTEREST. THIS WAS LAST COMPLETED IN 2023. FORM 990, PART VI, SECTION B, LINE 15 ENT CREDIT UNION PARTICIPATES IN MULTIPLE, PERIODIC (TYPICALLY ANNUAL) INDUSTRY SALARY SURVEYS, FOR ALL LEVELS OF THE ORGANIZATION, IN ORDER TO ASSESS MARKET PAY PRACTICES AND PROVIDE SUPPORTING DATA FOR INTERNAL RECOMMENDATIONS AND DECISIONS REGARDING PAY STRUCTURES AND INCREASES BASED ON STRATEGIC GOALS AND INITIATIVES. THE LAST COMPENSATION REVIEW WAS DONE IN 2023. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION'S GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNION'S CONFLICT OF INTEREST POLICY IS NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNION'S FINANCIAL STATEMENTS ARE AVAILABLE FOR PUBLIC VIEWING ON NCUA.GOV VIA THE QUARTERLY 5300 FILING. FORM 990, PART XI, LINE 9: RECLASSIFICATION ADJUSTMENT FOR NET HEDGING LOSSES -1,288,137. NET CHANGE IN POST RETIREMENT BENEFITS -777,215. CUMULATIVE ADJUSTMENT IN ACCOUNTING PRINCIPLE FOR ADOPTION OF CECL -52,677,641. ENTERPRISE FIRST FINANCIAL SERVICES LLC 11550 ENT PARKWAY COLORADO SPRINGS CO 80921 841514066 INSURANCE PRODUCTS CO 0 50000 ENT CREDIT UNION ENT AUTO RECEIVABLES LLC 11550 ENT PARKWAY COLORADO SPRINGS CO 80921 933170149 SPECIAL PURPOSE SUBSIDIARY FOR SECURITIZATION ISSUANCE DE 0 0 ENT CREDIT UNION