2022-05-09T12:39:55-05:00 2021-12-31 910189318 MOSS ADAMS LLP 805 SW BROADWAY STE 1200 PORTLAND OR 97205 990 2021-01-01 930257765 ONPOINT COMMUNITY CREDIT UNION ONPO 5032731764 PO BOX 3750 PORTLAND OR 972083750 JAMES HUNT SVP/CFO 5032731764 2022-05-03 1 JAMES HUNT XXX-XX-XXXX WENDY CAMPOS P00448102 5032421447 2022-04-30 3 AAL1 IAL1 2021 2022-09-23 18:48:47Z ROBERT STUART PO BOX 3750 PORTLAND OR 972083750 301885437 0 X WWW.ONPOINTCU.COM X 1932 OR PROMOTE THE FINANCIAL WELL-BEING OF CREDIT UNION MEMBERS THROUGH FINANCIAL PRODUCTS AND SERVICES. 9 9 1199 0 1036981 0 0 0 279760733 255203535 36404976 45487640 0 0 316165709 300691175 1538637 2250733 0 0 96936666 110567114 0 0 0 120870423 106976198 219345726 219794045 96819983 80897130 7902214326 9040369064 6988221719 8095784682 913992607 944584382 PROMOTE THE FINANCIAL WELL-BEING OF CREDIT UNION MEMBERS THROUGH FINANCIAL PRODUCTS AND SERVICES. 0 0 IN 2021, MEMBERSHIP IN THE CREDIT UNION GREW TO 464,835 MEMBERS. ONPOINT COMMUNITY CREDIT UNION PROVIDED THE MEMBERSHIP WITH FINANCIAL SERVICES, INCLUDING THE PROVISION OF 213,623 LOANS AND 998,384 DEPOSIT ACCOUNTS TO MEMBERS AT COMPETITIVE RATES. 0 0 1 0 0 0 0 1 0 1 0 0 0 1 1 1 0 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 170438 0 1 1199 1 1 1 0 0 0 0 0 1 0 X 9 9 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 0 0 X STEVE BROUILLET CONTROLLER 5032214118 2701 NW VAUGHN STREET SUITE 800 PORTLAND OR 97210 L JOHNSON BOARD CHAIR 13.00 X X 50250 0 0 K DURHAM BOARD VICE CHAIR 6.50 X X 37000 0 0 K THOMAJAN BOARD SECRETARY 6.50 X X 37000 0 0 A SLAGLE DIRECTOR 6.50 X 37000 0 0 M MROCZEK DIRECTOR 6.50 X 37000 0 0 S NARENDRA DIRECTOR 6.50 X 37000 0 0 M DAMM DIRECTOR 6.50 X 37000 0 0 D NAKATA DIRECTOR 6.50 X 37000 0 0 F TRIPP DIRECTOR 6.50 X 22500 0 0 T TSURUTA DIRECTOR 6.50 X 14500 0 0 R STUART PRESIDENT/CEO 50.00 X 2300322 0 800458 J HUNT SVP/CHIEF FINANCIAL OFFICER 45.00 X 661252 0 412975 S LEUGERS SVP/CHIEF LENDING OFFICER 45.00 X 786913 0 321022 T MCVAY SVP/CHIEF RETAIL OFFICER 45.00 X 1111778 0 399980 J ARMSTRONG SVP/CHIEF INFORMATION OFFICER 45.00 X 942763 0 360414 V ERVIN SVP/CHIEF COMPLIANCE OFFICER 45.00 X 727369 0 37406 J DUNCKLEY SVP/CHIEF TALENT OFFICER 45.00 X 423160 0 271468 A EMERSON VP/ONPOINT MORTGAGE 45.00 X 1530082 0 222307 J STEVENS VP/OPERATIONS 45.00 X 703265 0 50008 C SCHRECK MORTGAGE SALES MANAGER 45.00 X 684563 0 46368 M CASIANO MORTGAGE LOAN OFFICER 45.00 X 759577 0 42689 L ANSON MORTGAGE LOAN OFFICER 45.00 X 592934 0 37406 11570228 0 3002501 190 0 1 0 FISERV INC 75 REMITTANCE DR STE 6959 CHICAGO IL 60675 CARD & ATM NETWORK PROCESS 9168107 PAYMENT SYSTEMS FOR CREDIT UNION 560 CARILLON PARKWAY ST PETERSBURG FL 33176 CREDIT CARD PROCESSING 6902517 BORDERS PERRIN & NORRANDER INC 520 SW YAMHILL ST STE 950 PORTLAND OR 97204 MARKETING SERVICES 6812464 VISA PO BOX 8999 SAN FRANCISCO CA 94128 DEBIT CARD & CREDIT CARD PROCESSING 6378486 Q2 SOFTWARE INC 2975 REGENT BLVD IRVING TX 75320 ONLINE BANKING 6252577 102 INTEREST MEMBER LOANS 522100 143040807 143040807 INTERCHANGE INCOME 522100 51114567 51114567 OTHER OPERATING INCOME 522100 43989704 43166476 823228 SERVICE FEES 522100 17058457 16844704 213753 255203535 35728636 35728636 10912766 40500 1161786 32476 9750980 8024 9759004 9759004 300691175 254166554 1036981 45487640 X 2250733 9903530 74245196 6303624 13137392 6977372 585935 111000 31411467 11602140 16216482 9820900 11773613 315732 306226 13277748 5890449 477097 PROV FOR LOAN LOSS/GAIN -4804480 9991889 219794045 2597128792 3178609682 8154739 8615929 17375493 16401564 3690910251 3941668566 9175460 7328332 71702865 33580616 34862409 38122249 1414374241 1691929718 77680154 91959514 52552787 65733510 7902214326 9040369064 130949923 100400316 946170 4972233 3646725 3571291 276920710 6575758191 7986840842 6988221719 8095784682 X 0 0 0 0 913992607 944584382 913992607 944584382 7902214326 9040369064 80897130 -50305355 0 X 0 1 X 1 0 42246 42246 42246 1 NORTHWEST CREDIT UNION ASSOCIATION 18000 INTL BLVD 350 SEATAC WA 98188 910460483 42246 PART I-A, LINE 1: ANNUAL CONTRIBUTIONS TO THE CREDIT UNION LEGISLATIVE ACTION FUND, WHICH ENHANCES CREDIT UNION VISIBILITY AMONG LAWMAKERS AND BUILDS STRONG POLITICAL RELATIONSHIPS. 0 1 X 3577511 3577511 6017454 1618198 4399256 34654127 15685572 18968555 26152424 15953471 10198953 1301349 323375 977974 38122249 SAVINGS 3817937795 CHECKING 2390798199 MONEY MARKET ACCOUNTS 984074115 INDIVIDUAL RETIREMENT ACCOUNTS 205808794 CERTIFICATES OF DEPOSIT 588221939 7986840842 X 250385820 -50305355 -50305355 300691175 0 300691175 219794045 0 219794045 0 219794045 PART IV, LINE 2B: THE FUNDS ONPOINT COLLECTS FOR TAXES AND INSURANCE ON BEHALF OF ITS MEMBERS ARE HELD IN AN ESCROW ACCOUNT AND INCLUDED WITHIN THE BALANCE SHEET. PART X, LINE 2: THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL INCOME TAXES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION DESCRIBED IN IRC SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. EXEMPT ORGANIZATION AND UNRELATED BUSINESS INCOME TAX RETURNS ARE FILED ANNUALLY WITH THE APPLICABLE FEDERAL, STATE, AND LOCAL TAX JURISDICTIONS. FASB CODIFICATION TOPIC 740, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE MORE LIKELY THAN NOT TO BE SUSTAINED "WHEN CHALLENGED OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS NOT DEEMED TO MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEARS ENDED DECEMBER 31, 2021 AND 2020, MANAGEMENT HAS DETERMINED THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. THE CREDIT UNION RECOGNIZES INTEREST ACCRUED AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS AS AN ADMINISTRATIVE EXPENSE. NO INTEREST OR PENALTIES WERE RECOGNIZED FOR THE YEARS ENDED DECEMBER 31, 2021 AND 2020. 1 THE NATURE CONSERVANCY 821 SE 14TH AVE PORTLAND OR 97214 530242652 501(C)(3) 226125 0 COMMUNITY OUTREACH CHILDREN'S MIRACLE NETWORK HOSPITALS 205 WEST 700 SOUTH SALT LAKE CITY UT 84101 870387205 501(C)(3) 125000 0 COMMUNITY OUTREACH BANZAI INC 2230 N UNIVERSITY PARKWAY STE 14 PROVO UT 84604 260233660 501(C)(3) 70942 0 COMMUNITY OUTREACH FINANCIAL BEGINNINGS CORPORATION 1326 SW 12TH AVE STE 300 PORTLAND OR 97201 814643539 501(C)(3) 50000 0 COMMUNITY OUTREACH JUNIOR ACHIEVEMENT OF OREGON & WASHINTON 7830 SE FOSTER RD PORTLAND OR 97206 930384007 501(C)(3) 50000 0 COMMUNITY OUTREACH SCHOOLHOUSE SUPPLIES 2735 NE 82ND AVENUE PORTLAND OR 97220 204223437 501(C)(3) 50000 0 COMMUNITY OUTREACH GIRLS INC OF THE PACIFIC NORTHWEST 4800 SW MACADAM AVE STE 309 PORTLAND OR 97239 542073930 501(C)(3) 47650 0 COMMUNITY OUTREACH NATIVE AMERICAN YOUTH AND FAMILY CENTER 5135 NE COLUMBIA BLVD PORTLAND OR 97218 931141536 501(C)(3) 43750 0 COMMUNITY OUTREACH OREGON HUMANE SOCIETY PO BOX 11364 PORTLAND OR 97211 930386880 501(C)(3) 39400 0 COMMUNITY OUTREACH MEALS ON WHEELS PEOPLE 7710 SW 31ST AVE PORTLAND OR 97219 930584318 501(C)(3) 35000 0 COMMUNITY OUTREACH CASCADE AIDS PROJECT 208 SW 5TH AVENUE SUITE 800 PORTLAND OR 97204 930903383 501(C)(3) 35000 0 COMMUNITY OUTREACH OREGON MUSEUM OF SCIENCE AND INDUSTRY 1945 SE WATER AVENUE PORTLAND OR 97214 930402877 501(C)(3) 30000 0 COMMUNITY OUTREACH URBAN LEAGUE OF PORTLAND 10 NORTH RUSSELL STREET PORTLAND OR 97227 930395590 501(C)(3) 30000 0 COMMUNITY OUTREACH BOYS AND GIRLS CLUB PORTLAND METROPOLITAN AREA 8203 SE 7TH AVE STE 100 PORTLAND OR 97202 930474800 501(C)(3) 30000 0 COMMUNITY OUTREACH HACIENDA COMMUNITY DEVELOPMENT CORP 6700 NE KILLINGSWORTH ST PORTLAND OR 97206 930979064 501(C)(3) 27700 0 COMMUNITY OUTREACH ROSE HAVEN 627 NW 18TH AVE PORTLAND OR 97209 205922682 501(C)(3) 27500 0 COMMUNITY OUTREACH OREGON FOOD BANK PO BOX 55370 PORTLAND OR 97238 930785786 501(C)(3) 25000 0 COMMUNITY OUTREACH BLACK UNITED FUND OF OREGON 2828 NE ALBERTA ST PORTLAND OR 97211 930843267 501(C)(3) 25000 0 COMMUNITY OUTREACH COALITION OF COMMUNITIES OF COLOR 503 NW 2ND AVE STE 303 PORTLAND OR 97209 474448490 501(C)(3) 25000 0 COMMUNITY OUTREACH CHILDREN'S CANCER ASSOCIATION 1200 NW NAITO PARKWAY STE 140 PORTLAND OR 97209 931181662 501(C)(3) 25000 0 COMMUNITY OUTREACH RAPHAEL HOUSE OF PORTLAND 4110 SE HAWTHORNE BLVD SUITE 503 PORTLAND OR 97214 930710963 501(C)(3) 25000 0 COMMUNITY OUTREACH NAACP PO BOX 12333 PORTLAND OR 97212 936027588 501(C)(3) 25000 0 COMMUNITY OUTREACH SELF ENHANCEMENT INC 3920 N KERBY AVE PORTLAND OR 97217 931086629 501(C)(3) 25000 0 COMMUNITY OUTREACH RANDALL CHILDREN'S HOSPITAL FOUNDATION PO BOX 4484 PORTLAND OR 97208 931314469 501(C)(3) 22500 0 COMMUNITY OUTREACH BIG BROTHER BIG SISTERS COLUMBIA NORTHWEST 6443 SW BEAVERTON-HILLSDALE STE 200 200 PORTLAND OR 97221 931303640 501(C)(3) 20000 0 COMMUNITY OUTREACH DE LA SALLE NORTH CATHOLIC HIGH SCHOOL 7528 N FENWICK AVENUE PORTLAND OR 97217 931287554 501(C)(3) 20000 0 COMMUNITY OUTREACH IMMIGRANT AND REFUGEE COMMUNITY ORGANIZATION 10301 NE GLISAN ST PORTLAND OR 97220 930806295 501(C)(3) 20000 0 COMMUNITY OUTREACH OREGON COMMUNITY FOUNDATION 1221 SW YAMHILL ST SUITE 100 PORTLAND OR 97205 237315673 501(C)(3) 15000 0 COMMUNITY OUTREACH PEAR 338 NW 6TH AVENUE PORTLAND OR 97209 931327944 501(C)(3) 13500 0 COMMUNITY OUTREACH FRIENDS OF THE CHILDREN 44 NE MORRIS PORTLAND OR 97212 931300690 501(C)(3) 12500 0 COMMUNITY OUTREACH UNITED WAY PO BOX 4406 PORTLAND OR 97208 930582124 501(C)(3) 11000 0 COMMUNITY OUTREACH COMMUNITY ACTION 1001 SW BASELINE ST HILLSBORO OR 97123 930554941 501(C)(3) 10000 0 COMMUNITY OUTREACH ECOTRUST 721 NW 9TH AVE PORTLAND OR 97209 931050144 501(C)(3) 10000 0 COMMUNITY OUTREACH BEAVERTON EDUCATION FOUNDATION 3800 SW CEDAR HILLS BLVD STE 168 BEAVERTON OR 97705 943076723 501(C)(3) 10000 0 COMMUNITY OUTREACH COLLEGE POSSIBLE 532 SE GRAND AVE PORTLAND OR 97214 411968798 501(C)(3) 10000 0 COMMUNITY OUTREACH KAIROSPDX 4915 N GANTENBEIN AVE PORLTAND OR 97217 460987167 501(C)(3) 10000 0 COMMUNITY OUTREACH THE DOUGY CENTER PO BOX 86852 PORTLAND OR 97286 930833241 501(C)(3) 10000 0 COMMUNITY OUTREACH HABITAT FOR HUMANITY PO BOX 11527 PORTLAND OR 97211 930801200 501(C)(3) 10000 0 COMMUNITY OUTREACH EDUCATION FOUNDATION FOR THE BEND LAPINE SCHOOL DISTRICTS PO BOX 1436 BEND OR 97709 931064935 501(C)(3) 10000 0 COMMUNITY OUTREACH FOUNDATION FOR VANCOUVER PUBLIC SCHOOLS PO BOX 6039 VANCOUVER WA 98668 910971800 501(C)(3) 10000 0 COMMUNITY OUTREACH GIRLS BUILD 2303 N RANDOLPH AVE PORTLAND OR 97227 811411091 501(C)(3) 10000 0 COMMUNITY OUTREACH GREATER VANCOUVER CHAMBER OF COMMERCE PO BOX 2025 VANCOUVER WA 98668 910452260 501(C)(3) 10000 0 COMMUNITY OUTREACH OREGON FBLA PO BOX 1440 OWASSO OK 74055 237156121 501(C)(3) 10000 0 COMMUNITY OUTREACH NEIGHBORHOOD HOUSE 7780 SW CAPITOL HWY PORTLAND OR 97219 930386875 501(C)(3) 10000 0 COMMUNITY OUTREACH PINK LEMONADE PROJECT 1207 WASHINGTON VANCOUVER WA 98660 371699288 501(C)(3) 10000 0 COMMUNITY OUTREACH NEIGHBORHOOD ECONOMIC DEVELOPMENT CORPORATION 421 HIGH ST SUITE 110 OREGON CITY OR 97405 930739188 501(C)(3) 10000 0 COMMUNITY OUTREACH SERENDIPITY CENTER INC PO BOX 33350 PORTLAND OR 97292 930730861 501(C)(3) 10000 0 COMMUNITY OUTREACH NEIGHBORHOOD PARTNERSHIPS 2501 SW 1ST AVE 120 PORTLAND OR 97201 911943624 501(C)(3) 10000 0 COMMUNITY OUTREACH YOUTH VILLAGES OREGON PO BOX 368 MARYLHURST OR 97036 581716970 501(C)(3) 10000 0 COMMUNITY OUTREACH APANO COMMUNITIES UNITED FUND 8188 SE DIVISION ST PORTLAND OR 97206 800252850 501(C)(3) 10000 0 COMMUNITY OUTREACH SISTERS KIWANIS FOOD BANK 328 W MAIN AVE SISTERS OR 97759 931070832 501(C)(3) 10000 0 COMMUNITY OUTREACH TRANSITION PROJECTS 665 NW HOYT STREET PORTLAND OR 97209 930591582 501(C)(3) 10000 0 COMMUNITY OUTREACH PROUD GROUND 5288 N INTERSTATE AVE PORTLAND OR 97217 931290320 501(C)(3) 10000 0 COMMUNITY OUTREACH PORTLAND BACKPACK 2620 NE FREMONT ST PORTLAND OR 97212 821797993 501(C)(3) 10000 0 COMMUNITY OUTREACH PORTLAND PARKS & RECREATION 1120 SW 5TH AVE SUITE 1302 PORTLAND OR 97204 931319970 501(C)(3) 10000 0 COMMUNITY OUTREACH PORTLAND HOUSING CENTER 3233 NE SANDY BLVD PORTLAND OR 97232 931111589 501(C)(3) 10000 0 COMMUNITY OUTREACH PARKS FOUNDATION OF CLARK COUNTY PO BOX 61424 VANCOUVER WA 98666 911986747 501(C)(3) 10000 0 COMMUNITY OUTREACH NORTHWEST ASSOCIATION FOR BLIND ATHLETES PO BOX 61489 VANCOUVER WA 98666 260244283 501(C)(3) 7500 0 COMMUNITY OUTREACH UNITED WAY OF LANE COUNTY 3171 GATEWAY LOOP SPRINGFIELD OR 97477 930394142 501(C)(3) 7500 0 COMMUNITY OUTREACH XXCELERATE 2609 SE 6TH AVE PORTLAND OR 97202 821200543 501(C)(3) 7500 0 COMMUNITY OUTREACH CENTRAL OREGON VETERANS RANCH 65920 SW 61ST STREET BEND OR 97703 371755279 501(C)(3) 6500 0 COMMUNITY OUTREACH COMMUNITY WAREHOUSE 3961 NE MLK JR BLVD PORTLAND OR 97212 931310582 501(C)(3) 5500 0 COMMUNITY OUTREACH OREGON WILDLIFE 901 SE OAK ST STE 103 PORTLAND OR 97214 930797904 501(C)(3) 5200 0 COMMUNITY OUTREACH 63 0 PART I, LINE 2: ONPOINT REVIEWS REQUESTS FOR DONATIONS AND REQUESTS ALL RECIPIENTS PROVIDE A RECEIPT VERIFYING THEIR 501(C)(3) STATUS. NO FORMAL MONITORING OF GRANTS OR DONATIONS IS PERFORMED, BUT ONPOINT PERIODICALLY PERFORMS INFORMAL FOLLOW-UPS WITH RECIPIENTS. THE ANNUAL CLIFFORD C. DIAS LEADERSHIP SCHOLARSHIP PROGRAM WAS APPROVED BY THE BOARD, ALLOWING MR. DIAS TO SELECT RECIPIENTS AT HIS DISCRETION. X X X X 1 1 X X X X 0 1 0 R STUART PRESIDENT/CEO 676598 0 544640 0 1079084 0 790769 0 9689 0 3100780 0 756846 0 A EMERSON VP/ONPOINT MORTGAGE 130000 0 857471 0 542611 0 204939 0 17368 0 1752389 0 275547 0 T MCVAY SVP/CHIEF RETAIL OFFICER 332947 0 283646 0 495185 0 378972 0 21008 0 1511758 0 354506 0 J ARMSTRONG SVP/CHIEF INFORMATION OFFICER 303263 0 238886 0 400614 0 343439 0 16975 0 1303177 0 313862 0 S LEUGERS SVP/CHIEF LENDING OFFICER 261382 0 210039 0 315492 0 300014 0 21008 0 1107935 0 233825 0 J HUNT SVP/CHIEF FINANCIAL OFFICER 354705 0 276596 0 29951 0 399286 0 13689 0 1074227 0 0 0 M CASIANO MORTGAGE LOAN OFFICER 0 0 756694 0 2883 0 29000 0 13689 0 802266 0 0 0 V ERVIN SVP/CHIEF COMPLIANCE OFFICER 229194 0 189339 0 308836 0 29000 0 8406 0 764775 0 221490 0 J STEVENS VP/OPERATIONS 132709 0 35940 0 534616 0 29000 0 21008 0 753273 0 0 0 C SCHRECK MORTGAGE SALES MANAGER 52800 0 628708 0 3055 0 29000 0 17368 0 730931 0 0 0 J DUNCKLEY SVP/CHIEF TALENT OFFICER 224087 0 180192 0 18881 0 256761 0 14707 0 694628 0 0 0 L ANSON MORTGAGE LOAN OFFICER 0 0 591758 0 1176 0 29000 0 8406 0 630340 0 0 0 PART I, LINE 1A * FIRST-CLASS TRAVEL - PRESIDENT/CEO & ALL DIRECTORS (10 PEOPLE); NOT TAXABLE TO INDIVIDUALS AS SUCH TRAVEL IS REASONABLE AND CUSTOMARY WITHIN THE INDUSTRY FOR HIGH-LEVEL EXECUTIVES. THE BOARD HAS APPROVED SUCH TRAVEL IN LIMITED CIRCUMSTANCES AND SUBSTANTIATION OF ALL EXPENSES IS REQUIRED. * TRAVEL FOR COMPANIONS - ALL DIRECTORS (9 PEOPLE); TAXABLE TO INDIVIDUALS * HEALTH OR SOCIAL CLUB DUES - PRESIDENT/CEO; TAXABLE TO INDIVIDUALS * PERSONAL SERVICES - PRESIDENT/CEO AND SENIOR EXECUTIVES (7 PEOPLE); TAXABLE TO INDIVIDUALS PART I, LINE 4B THE FOLLOWING INDIVIDUALS RECEIVED PAYMENTS FROM A 457(F) PLAN. AMOUNTS THAT WERE REPORTED AS DEFERRED ON PRIOR YEAR FORMS 990 ARE INCLUDED IN PART II, COLUMN (F). R. STUART - $1,021,578 S. LEUGERS - $292,205 T. MCVAY - $462,012 J. ARMSTRONG - $374,279 V. ERVIN - $288,437 A. EMERSON - $533,919 J. STEVENS - $525,047 PART I: THE BOARD OF DIRECTORS CONTROLS ALL COMPENSATION OR BENEFIT CHANGES THAT WOULD AFFECT THE PRESIDENT/CEO. ALL CHANGES TO THE PRESIDENT/CEO'S COMPENSATION AND BENEFITS ARE GOVERNED BY AN EMPLOYMENT CONTRACT AND ANY AMENDMENTS TO THE CONTRACT. THE COMPENSATION COMMITTEE REVIEWS THE PRESIDENT/CEO'S COMPENSATION PACKAGE EACH YEAR. THE SALARY SCHEDULE AND BENEFITS PROGRAM FOR THE PRESIDENT/CEO IS TIED TO GEOGRAPHIC STUDIES OF SALARIES AND BENEFITS PERFORMED BY PROFESSIONAL ORGANIZATIONS WITH EXPERTISE IN THE AREA OF COMPENSATION. THESE INCLUDED THE PEARL MEYER 2021 TOP CEO TOTAL COMPENSATION SURVEY REPORT, THE 2021 TOWERS WATSON EXECUTIVE COMPENSATION PAY ASSESSMENT AND A 2020 CEO COMPENSATION STUDY PROVIDED BY MERCER. FORM 990, PART VI, SECTION A, LINE 6 ONPOINT COMMUNITY CREDIT UNION IS A NATURAL PERSON CREDIT UNION, OWNED BY ITS MEMBERS. AT 12/31/21, THERE WERE 464,835 MEMBERS IN THE CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 7A THE MEMBERS OF THE CREDIT UNION ELECT THE BOARD OF DIRECTORS FROM A SLATE OF CANDIDATES PUT FORTH BY THE NOMINATING COMMITTEE PRIOR TO THE ANNUAL MEETING. BOARD POSITIONS HAVE STAGGERED RENEWAL DATES IN THREE YEAR TERMS. 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. FORM 990, PART VI, SECTION B, LINE 11B INFORMATION FOR THE COMPLETION OF FORM 990 WAS GATHERED BY THE CREDIT UNION'S ACCOUNTING DEPARTMENT. AN OUTSIDE ACCOUNTING FIRM PREPARED THE TAX RETURN AND IT WAS PROVIDED TO THE BOARD OF DIRECTORS PRIOR TO FILING. FORM 990, PART VI, SECTION B, LINE 12C MONITORING OF THE CONFLICT OF INTEREST POLICY IS CONDUCTED THROUGH AN ANNUAL POLICY REVIEW. STAFF MEMBERS ARE REQUIRED EACH YEAR TO REVIEW, READ AND SIGN THE CONFLICT OF INTEREST POLICY. THE BOARD OF DIRECTORS ANNUALLY ADOPTS THE BOARD GOVERNANCE MANUAL, WHICH INCLUDES A CONFLICT OF INTEREST POLICY. AT THE POINT OF A POTENTIAL CONFLICT FOR A BOARD MEMBER, A PEER REVIEW IS CONDUCTED. ENFORCEMENT OF THE CONFLICT OF INTEREST POLICY FOR BOARD MEMBERS AND STAFF IS BASED ON A REVIEW OF POTENTIAL CONFLICTS AND, IF A CONFLICT EXISTS, MEDIATION OCCURS. FORM 990, PART VI, SECTION B, LINE 15A THE BOARD OF DIRECTORS CONTROLS ALL COMPENSATION OR BENEFIT CHANGES THAT WOULD AFFECT THE PRESIDENT/CEO. ALL CHANGES TO THE PRESIDENT/CEO'S COMPENSATION AND BENEFITS ARE GOVERNED BY AN EMPLOYMENT CONTRACT AND ANY AMENDMENTS TO THE CONTRACT. THE COMPENSATION COMMITTEE REVIEWS THE PRESIDENT/CEO'S COMPENSATION PACKAGE EACH YEAR. THE SALARY SCHEDULE AND BENEFITS PROGRAM FOR THE PRESIDENT/CEO IS TIED TO GEOGRAPHIC STUDIES OF SALARIES AND BENEFITS PERFORMED BY PROFESSIONAL ORGANIZATIONS WITH EXPERTISE IN THE AREA OF COMPENSATION. THESE INCLUDED THE PEARL MEYER 2021 TOP CEO TOTAL COMPENSATION SURVEY REPORT, THE 2021 TOWERS WATSON EXECUTIVE COMPENSATION PAY ASSESSMENT AND A 2020 CEO COMPENSATION STUDY PROVIDED BY MERCER. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE MADE AVAILABLE UPON WRITTEN REQUEST. FORM 990, PART IX, LINE 11G CARD FEES 15,005,204. LOAN FEES 5,058,345. OTHER OUTSIDE SERVICES 11,347,918. ONPOINT SERVICE GROUP LLC 2701 NW VAUGHN ST STE 800 PORTLAND OR 97210 INACTIVE OR 0 0 ONPOINT COMMUNITY CREDIT UNION