2023-11-14T14:49:04-06:00 2022-12-31 910189318 MOSS ADAMS LLP 805 SW BROADWAY STE 1400 PORTLAND OR 97205 990 2022-01-01 930492535 OREGON COMMUNITY CREDIT UNION OREG 8664557438 2880 CHAD DRIVE EUGENE OR 97408 RON NEUMANN CEO 8664557438 2023-11-13 1 RON NEUMANN XXX-XX-XXXX 1 WENDY CAMPOS P00448102 5032421447 2023-11-08 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z RON NEUMANN 2880 CHAD DRIVE EUGENE OR 97408 163100792 0 X WWW.MYOCCU.ORG X 1956 OR TO ASSIST OUR MEMBERS IN MAKING BENEFICIAL LONG-TERM FINANCIAL DECISIONS. 8 8 751 0 83195 0 0 0 107918678 158831305 74324138 928258 0 0 182242816 159759563 1072130 705090 0 0 45360840 56815251 0 0 0 58294481 72310304 104727451 129830645 77515365 29928918 2826121126 3461025756 2538824112 3144607129 287297014 316418627 THE PURPOSE OF OREGON COMMUNITY CREDIT UNION IS TO ASSIST OUR MEMBERS IN MAKING BENEFICIAL LONG-TERM FINANCIAL DECISIONS BY PROVIDING THEM WITH COMPETITIVE DEPOSIT AND LOAN PRODUCTS. 0 0 PROMOTING THE FINANCIAL WELLBEING AND THRIFT OF 260,993 MEMBERS DURING 2022 BY PROVIDING LOAN AND SAVINGS SERVICES AT COMPETITIVE RATES. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 0 0 0 0 0 0 0 0 1 0 0 1 67199 0 1 751 1 1 1 0 0 0 0 0 0 0 X 8 8 0 0 0 0 1 1 1 1 0 0 0 0 1 1 1 1 1 1 1 0 OR X DAVE SCHIFFER SVP OF FINANCE & CREDIT 5416816062 2880 CHAD DRIVE EUGENE OR 97408 JEANINE LOUISE JENSEN BOARD CHAIR 8.00 0.00 X X 36545 0 0 WILLIAM INGE BOARD VICE CHAIR 8.00 0.00 X X 24962 0 0 BEVERLY ANDERSON BOARD SECRETARY 8.00 0.00 X X 26129 0 0 JOHN GOGOL BOARD DIRECTOR 8.00 0.00 X 24129 0 0 THOMAS LARSON BOARD DIRECTOR 8.00 0.00 X 25712 0 0 GENEVIEVE PARKER BOARD DIRECTOR 8.00 0.00 X 22962 0 0 BRANDON ROGERS BOARD DIRECTOR 8.00 0.00 X 11975 0 0 SCOTT SMITH BOARD DIRECTOR 8.00 0.00 X 11975 0 0 RONALD NEUMANN PRESIDENT & CEO 50.00 5.00 X 983826 0 55797 GREGORY SCHUMACHER EXECUTIVE VICE PRESIDENT 50.00 5.00 X 441664 0 87278 BRIAN ALFANO CHIEF DIGITAL OFFICER 50.00 2.00 X 350603 0 82481 RUSSELL BERNARDO CHIEF LENDING OFFICER 50.00 2.00 X 336399 0 81859 HEATHER BILLINGS CHIEF MARKETING OFFICER 50.00 5.00 X 300272 0 74406 TRACEY KEFFER CHIEF OPERATING OFFICER 50.00 5.00 X 350377 0 77425 CASEY FOLTZ SVP OF ANALYTICS AND PROFITABILITY 50.00 0.00 X 192217 0 35825 JOHN SCHIFFER SVP OF FINANCE 50.00 5.00 X 230181 0 39709 KIRSTEN SIMMONS SVP OF PEOPLE DEVELOPMENT 50.00 0.00 X 197544 0 40622 CHRISTOPHER WHITTAKER SVP OF INDIRECT LENDING 50.00 0.00 X 234611 0 37340 TERRI BAKER VP OF MEMBER SUPPORT 50.00 0.00 X 190715 0 34044 RICHARD BLACK VP OF INDIRECT LENDING BUSINESS DEV 50.00 0.00 X 192459 0 27243 ARIS JERAHIAN VP OF DIGITAL SERVICES AND PAYMENTS 50.00 0.00 X 201736 0 41235 BRIAN KILLINGSWORTH VP OF TECHNOLOGY SERVICES 50.00 0.00 X 245862 0 33247 GARY LANIER FORMER VP OF RETAIL OPERATIONS 50.00 0.00 X 266411 0 25867 ANGELICA MURILLO VP OF REGULATORY COMPLIANCE 50.00 0.00 X 180464 0 21460 ETHAN NELSON VP OF CREDIT ADMINISTRATIO 50.00 0.00 X 247790 0 60150 DANIEL RIPPLINGER FORMER VP OF BUSINESS SERVICES 50.00 0.00 X 178637 0 13424 LINDSEY ROBERTS VP OF MORTGAGE LENDING 50.00 0.00 X 222012 0 40231 MATTHEW WILSON VP OF RISK & ADMINISTRATION 50.00 0.00 X 218537 0 52368 ISAAC GRANT COMMERCIAL REAL ESTATE LENDING 40.00 0.00 X 284510 0 39742 TABITHA HERNANDEZ-WATERS MORTGAGE LOAN REPRESENTATIVE 40.00 0.00 X 222495 0 33399 CHRISTIAN BECK FINANCIAL ADVISOR 40.00 0.00 X 216996 0 20691 DONALD ELZINGA TECHNOLOGY DEVELOPMENT MAN 40.00 0.00 X 208335 0 36734 MEAGAN SMITH MORTGAGE LOAN REPRESENTATIVE 40.00 0.00 X 188724 0 34549 7067766 0 1127126 113 0 1 0 MCKENZIE COMMERCIAL CONTRACTORS INC 865 W SECOND AVENUE EUGENE OR 97402 CONTRACTOR 2481079 ALKAMI TECHNOLOGY INC 5601 GRANITE PARKWAY 120 PLANO TX 75024 INTERNET BANKING 2476882 COOK SOLUTIONS GROUP INC 9225 NE CASCADES PARKWAY PORTLAND OR 97220 ATM SERVICING 2079200 SYNERGI PARTNERS INC 151 W EVANS ST FLORENCE SC 29501 CONSULTING SERVICES 1529013 LENDING SOLUTIONS INC 2200 POINT BOULEVARD ELGIN IL 60123 CALL CENTER OVERFLOW 1234482 50 INTEREST ON LOANS/VISA 522100 112217860 112217860 FEES AND CHARGES 522100 14900424 14900424 LOAN PARTICIPATION 525990 10075791 10075791 VISA/ATM INTERCHANGE I 525990 7804455 7721260 83195 CREDIT CARD INTERCHANG 525990 1823180 1823180 12009595 12009595 158831305 4192834 4192834 76653 3341229 0 -3341229 76653 -3264576 -3264576 159759563 158748110 83195 928258 705090 6908714 37784435 2610194 5588494 3923414 252758 633511 6623051 4069376 2603792 3799769 2702280 429442 95319 13456448 3210421 705479 PROVISION FOR LOAN LOSS 15792798 LOAN SERVICING EXPENSE 11211406 BAD DEBT & OPERATING 6724454 129830645 8864127 8268188 439397181 143240800 590222 681281 21605101 57301879 2243925813 3036826727 28896757 136155334 49768558 30839747 18661034 18928811 53021655 39054112 11159236 20568624 2826121126 3461025756 104302279 589029478 481645 543384 2434040188 2555034267 2538824112 3144607129 X 0 0 0 0 287297014 316418627 287297014 316418627 2826121126 3461025756 29928918 -807305 0 X X 0 0 0 3342575 3342575 16697729 6642534 10055195 5612413 2520998 3091415 23925569 21568053 2357516 190272 108162 82110 18928811 MEMBER SHARES & SAVINGS 2555034267 2555034267 0 SPRINGFIELD AREA CHAMBER OF COMMERCE PO BOX 155 SPRINGFIELD OR 97477 930286205 501(C)(6) 5250 0 GENERAL SUPPORT EUGENE AREA CHAMBER OF COMMERCE 1401 WILLAMETTE STREET EUGENE OR 97401 930163290 501(C)(6) 6340 0 GENERAL SUPPORT EUGENE MARATHON 920 LAKESIDE AVENUE S SEATTLE WA 98144 760810890 56666 0 GENERAL SUPPORT OCCU FOUNDATION 2880 CHAD DRIVE EUGENE OR 97408 830566255 501(C)(3) 564878 0 GENERAL SUPPORT WORLDWIDE FOUNDATION OF CREDIT UNIONS 5710 MINERAL POINT ROAD MADISON WI 53705 396093210 501(C)(3) 10000 0 GENERAL SUPPORT CHILDREN'S MIRACLE NETWORK 123 INTERNATIONAL WAY SPRINGFIELD OR 97477 870387205 501(C)(3) 15000 0 GENERAL SUPPORT 3 3 X X X X 0 0 0 RONALD NEUMANN PRESIDENT & CEO 743958 0 200000 0 39868 0 47949 0 7848 0 1039623 0 0 0 GREGORY SCHUMACHER EXECUTIVE VICE PRESIDENT 376970 0 34294 0 30400 0 73567 0 13711 0 528942 0 0 0 BRIAN ALFANO CHIEF DIGITAL OFFICER 288648 0 33566 0 28389 0 67648 0 14833 0 433084 0 0 0 TRACEY KEFFER CHIEF OPERATING OFFICER 284970 0 37051 0 28356 0 67059 0 10366 0 427802 0 0 0 RUSSELL BERNARDO CHIEF LENDING OFFICER 280009 0 27248 0 29142 0 67026 0 14833 0 418258 0 0 0 HEATHER BILLINGS CHIEF MARKETING OFFICER 250271 0 21343 0 28658 0 63807 0 10599 0 374678 0 0 0 ISAAC GRANT COMMERCIAL REAL ESTATE LENDING 114889 0 162703 0 6918 0 24983 0 14759 0 324252 0 0 0 ETHAN NELSON VP OF CREDIT ADMINISTRATIO 204655 0 28292 0 14843 0 52420 0 7730 0 307940 0 0 0 GARY LANIER FORMER VP OF RETAIL OPERATIONS 155890 0 13712 0 96809 0 17173 0 8694 0 292278 0 0 0 BRIAN KILLINGSWORTH VP OF TECHNOLOGY SERVICES 225834 0 17514 0 2514 0 32705 0 542 0 279109 0 0 0 CHRISTOPHER WHITTAKER SVP OF INDIRECT LENDING 185336 0 45307 0 3968 0 29694 0 7646 0 271951 0 0 0 MATTHEW WILSON VP OF RISK & ADMINISTRATION 201722 0 15090 0 1725 0 33963 0 18405 0 270905 0 0 0 JOHN SCHIFFER SVP OF FINANCE 205596 0 22840 0 1745 0 31190 0 8519 0 269890 0 0 0 LINDSEY ROBERTS VP OF MORTGAGE LENDING 205895 0 15092 0 1025 0 29753 0 10478 0 262243 0 0 0 TABITHA HERNANDEZ-WATERS MORTGAGE LOAN REPRESENTATIVE 67159 0 151601 0 3735 0 19688 0 13711 0 255894 0 0 0 DONALD ELZINGA TECHNOLOGY DEVELOPMENT MAN 187708 0 7277 0 13350 0 18420 0 18314 0 245069 0 0 0 ARIS JERAHIAN VP OF DIGITAL SERVICES AND PAYMENTS 183846 0 14576 0 3314 0 26624 0 14611 0 242971 0 0 0 KIRSTEN SIMMONS SVP OF PEOPLE DEVELOPMENT 181366 0 14665 0 1513 0 26016 0 14606 0 238166 0 0 0 CHRISTIAN BECK FINANCIAL ADVISOR 377 0 214476 0 2143 0 19337 0 1354 0 237687 0 0 0 CASEY FOLTZ SVP OF ANALYTICS AND PROFITABILITY 176935 0 14335 0 947 0 25448 0 10377 0 228042 0 0 0 TERRI BAKER VP OF MEMBER SUPPORT 170526 0 17113 0 3076 0 25045 0 8999 0 224759 0 0 0 MEAGAN SMITH MORTGAGE LOAN REPRESENTATIVE 56879 0 129228 0 2617 0 16750 0 17799 0 223273 0 0 0 RICHARD BLACK VP OF INDIRECT LENDING BUSINESS DEV 148518 0 28441 0 15500 0 17056 0 10187 0 219702 0 0 0 ANGELICA MURILLO VP OF REGULATORY COMPLIANCE 179812 0 0 0 652 0 13006 0 8454 0 201924 0 0 0 DANIEL RIPPLINGER FORMER VP OF BUSINESS SERVICES 146600 0 15738 0 16299 0 7988 0 5436 0 192061 0 0 0 JERRY LIUDAHL RETIRED CHIEF CREDIT OFFICER SPLIT DOLLAR LIFE INSURANCE X 1387993 1565029 0 1 1 RONALD NEUMANN CHIEF EXECUTIVE OFFICER SPLIT DOLLAR LIFE INSURANCE X 13295352 14758395 0 1 1 GREGORY SCHUMACHER EXECUTIVE VICE PRESIDENT SPLIT DOLLAR LIFE INSURANCE X 5516080 5748305 0 1 1 RONALD NEUMANN 2 CHIEF EXECUTIVE OFFICER SPLIT DOLLAR LIFE INSURANCE X 22576353 22753578 0 1 1 GREGORY SCHUMACHER 2 EXECUTIVE VICE PRESIDENT SPLIT DOLLAR LIFE INSURANCE X 5225531 5280223 0 1 1 GREGORY SCHUMACHER 3 EXECUTIVE VICE PRESIDENT SPLIT DOLLAR LIFE INSURANCE X 3042146 3059488 0 1 1 TRACEY KEFFER CHIEF OPERATING OFFICER SPLIT DOLLAR LIFE INSURANCE X 4106838 4136861 0 1 1 57301879 FORM 990, PART VI, SECTION A, LINE 6 ANY INDIVIDUAL WITH AN ACCOUNT AT THE CREDIT UNION IS CONSIDERED A MEMBER. FORM 990, PART VI, SECTION A, LINE 7A EACH PRIMARY MEMBER OF THE CREDIT UNION IS GIVEN ONE VOTE AND IS ABLE TO ELECT MEMBERS OF THE GOVERNING BODY. FORM 990, PART VI, SECTION A, LINE 7B MAJOR DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL BY MEMBERS, HOWEVER, DAY TO DAY DECISIONS ARE NOT SUBJECT TO MEMBER APPROVAL. FORM 990, PART VI, SECTION A, LINE 8B THE ORGANIZATION DOES NOT HAVE ANY COMMITTEES WITH THE AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11B A COPY OF FORM 990 IS PROVIDED TO THE ORGANIZATION FOR REVIEW PRIOR TO FILING; THE CEO AND CFO/CAO OF THE ORGANIZATION REVIEW THE FORM 990. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION HAS A CONFLICT OF INTEREST POLICY IN PLACE FOR BOTH THE COMPANY AND BOARD. EXPECTATIONS ARE CLEAR AT THE SENIOR MANAGEMENT LEVEL AND ARE COMMUNICATED DOWNWARD. THE ORGANIZATION HAS TRACKING PROCEDURES IN PLACE FOR POSSIBLE AND CONFIRMED CONFLICTS OF INTEREST. IF A CONFLICT OF INTEREST IS DETERMINED TO EXIST INVOLVING A BOARD MEMBER, THAT MEMBER WOULD BE REQUIRED TO ABSTAIN FROM VOTING ON THE ISSUE. FORM 990, PART VI, SECTION B, LINE 15 TOTAL COMPENSATION, INCLUDING BASE PAY, INCENTIVES AND OTHER BENEFITS, IS COMPARED AGAINST BALANCE COMP, CUES EXECUTIVE COMPENSATION PROGRAM, MILLIMAN NW FINANCIAL INDUSTRY SURVEY RESULTS AND OTHER EXECUTIVE PUBLICATIONS/REPORTS. CEO COMPENSATION IS REVIEWED BY THE BOARD PERSONNEL COMMITTEE AND APPROVED BY THE FULL BOARD. COMPENSATION AMOUNTS ARE TRACKED FOR FUTURE REFERENCE. THE LAST FORMAL COMPENSATION COMPARISON REVIEW BY THE ORGANIZATION WAS PERFORMED IN 2022. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION'S FINANCIAL STATEMENTS ARE POSTED ONLINE AND IN CREDIT UNION BRANCHES AND ARE AVAILABLE UPON REQUEST. GOVERNING DOCUMENTS ARE AVAILABLE TO MEMBERS UPON REQUEST. FORM 990, PART XII, LINE 2: THE CREDIT UNION IS GOVERNED BY THE NATIONAL CREDIT UNION ADMINISTRATION (NCUA). AS SUCH, REGULATORS REVIEW THE FINANCIAL TRANSACTIONS OF THE CREDIT UNION ON A CONSISTENT BASIS. IN ADDITION, THE CREDIT UNION MAINTAINS A SUPERVISORY COMMITTEE TO OVERSEE THE PERFORMANCE OF AN ANNUAL AUDIT OF THE STATMENTS OF FINANCIAL CONDITION. THESE AUDITED STATEMENTS OF FINANCIAL CONDITION ARE PREPARED ON A SEPTEMBER 30TH YEAR END. OCCU FOUNDATION 2880 CHAD DRIVE EUGENE OR 97408 830566255 PHILANTHROPIC EDUCATION AND CHARITABLE ACTIVITIES OR 501(C)(3) LINE 7 N/A 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 OCCU FOUNDATION B 564878 CASH VALUE