OUR COMMUNITY CREDIT UNION: Form 990, tax year 2021

View the entire original 990 at ProPublica ↗

Organization: OUR COMMUNITY CREDIT UNION (EIN 91-0567189)
Tax period: 2021-01-01 to 2021-12-31
Filed: 2022-11-15
IRS object ID: 202203199349320270
Schema version: 2021v4.2
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule B
Schedule D
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2022-11-15T15:14:28-06:00	ReturnTs
Tax Period End	2021-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	810987947	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	HAUSER JONES & SAS PLLC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	10940 NE 33RD PLACE SUITE 100	AddressLine1Txt
City	BELLEVUE	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	98004	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2021-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	910567189	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	OUR COMMUNITY CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	OURC	BusinessNameControlTxt
Phone	8004265657	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 1670	AddressLine1Txt
City	SHELTON	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	98584	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	RYAN DRAKE	PersonNm
Person Title	CFO	PersonTitleTxt
Phone	8004265657	PhoneNum
Signature	2022-11-14	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	RYAN	PersonFirstNm
Person Last	DRAKE	PersonLastNm

Field	Value	IRS element (for citing)
SSN	999009999	SSN

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	ROGER A JONES CPA	PreparerPersonNm
PTIN	P01702335	PTIN
Phone	4258891778	PhoneNum
Preparation	2022-11-11	PreparationDt

Additional Filer Information AdditionalFilerInformation

Trusted Customer TrustedCustomerGrp

Field	Value	IRS element (for citing)
Trusted Customer	3	TrustedCustomerCd
Authentication Assurance Level	AAL1	AuthenticationAssuranceLevelCd
Identity Assurance Level	IAL1	IdentityAssuranceLevelCd

Field	Value	IRS element (for citing)
Tax	2021	TaxYr
Build TS	2022-09-23 18:48:47Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	RYAN DRAKE	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 1670	AddressLine1Txt
City	SHELTON	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	98584	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$19,630,012	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.OURCU.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1941	FormationYr
Legal Domicile State	WA	LegalDomicileStateCd
Activity Or Mission	OUR MISSION IS TO SUSTAIN CONSISTENT GROWTH AND A STRONG FINANCIAL POSITION.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	121	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$137,184	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$451,000	CYContributionsGrantsAmt
PY Program Service Revenue	$13,454,111	PYProgramServiceRevenueAmt
CY Program Service Revenue	$14,841,444	CYProgramServiceRevenueAmt
PY Investment Income	$5,608,250	PYInvestmentIncomeAmt
CY Investment Income	$3,740,731	CYInvestmentIncomeAmt
PY Other Revenue	$441,156	PYOtherRevenueAmt
CY Other Revenue	$596,837	CYOtherRevenueAmt
PY Total Revenue	$19,503,517	PYTotalRevenueAmt
CY Total Revenue	$19,630,012	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$7,483,489	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$7,704,227	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$9,787,676	PYOtherExpensesAmt
CY Other Expenses	$9,642,116	CYOtherExpensesAmt
PY Total Expenses	$17,271,165	PYTotalExpensesAmt
CY Total Expenses	$17,346,343	CYTotalExpensesAmt
PY Revenues Less Expenses	$2,232,352	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$2,283,669	CYRevenuesLessExpensesAmt
Total Assets BOY	$501,755,520	TotalAssetsBOYAmt
Total Assets EOY	$583,251,574	TotalAssetsEOYAmt
Total Liabilities BOY	$449,214,011	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$528,064,292	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$52,541,509	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$55,187,282	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	OUR COMMUNITY CREDIT UNION IS A MEMBER-OWNED FINANCIAL COOPERAIVE. OUR MISSION IS TO SUSTAIN CONSISTENT GROWTH AND A STRONG FINANCIAL POSITION.-WE WILL TREAT ALL MEMBERS IN A DIGNIFIED, CARING MANNER.-WE WILL MANAGE OUR MEMBERS' BUSINESS CONFIDENTIALLY.-WE WILL PROVIDE OUR MEMBERS WITH CHOICES IN THE SERVICES WE OFFER.-WE WILL BUILD LASTING RELATIONSHIPS THROUGH CONSULTATION TO AID US IN HELPING MEET OUR MEMBERS' NEEDS.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	OUR COMMUNITY CREDIT UNION PROVIDES FINANCIAL SERVICES INCLUDING DEPOSITS AND CONSUMER LENDING TO RESIDENTS OF WASHINGTON STATE AT LOCATIONS IN THE SOUTH SOUND AREA.	Desc
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	Yes (1)	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	Yes (1)	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	6422	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	121	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	0	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	RYAN DRAKE	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	3604325234	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 1670	AddressLine1Txt
City	SHELTON	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	98584	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (12 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd
SADIE HAWKINS
BOARD MEMBER	2.00	Yes (X)	$0	$0	$0
CURTIS STRACKE
BOARD MEMBER	2.00	Yes (X)	$0	$0	$0
PAUL WING
BOARD MEMBER	2.00	Yes (X)	$0	$0	$0
AMY THOMASON
BOARD CHAIR	2.00	Yes (X)	$0	$0	$0
A ROY DUNN JR
BOARD MEMBER	2.00	Yes (X)	$0	$0	$0
CLAY GLEB
SECRETARY/TREASURER	2.00	Yes (X)	$0	$0	$0
MARK MAGER
BOARD VICE CHAIR	2.00	Yes (X)	$0	$0	$0
BERT FISHER
PRESIDENT/CEO	60.00		$1,028,768	$0	$291,914	Yes (X)
RYAN DRAKE
CFO	50.00		$131,241	$0	$115,279	Yes (X)
STEPHANIE STEEN
DIRECTOR OF OPERATIONS	50.00		$93,147	$0	$21,889	Yes (X)
RUTH ZEMBAS
CONSUMER LENDING MGR	50.00		$76,820	$0	$7,437	Yes (X)
ANDREW BERTRAND
CIO	50.00		$71,894	$0	$13,385	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,401,870	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$449,904	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	2	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
BUSINESS DATA INC
PO BOX 6081	INGLEWOOD	CA	903126081	STATEMENT PRINTING	$301,733
TYFONE INC
5331 SW MACADAM AVE STE 251	PORTLAND	OR	97239	DIGITAL BANKING PLATFORM PROVIDER	$185,185
CORELATION
2305 HISTORIC DECATUR RD STE 300	SAN DIEGO	CA	921066073	CORE SOFTWARE MAINTENANCE	$180,508
HOOD CANAL COMMUNICATIONS
161 E MICHELLE DR	UNION	WA	985929798	INTERNET/PHONE	$159,044
PURE IT CREDIT UNION SERVICES LLC
1400 GRAHAM DR STE B BOX 137	TOMBALL	TX	773754583	SOFTWARE MAINTENANCE & IT CONSULTING	$135,491

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	5	CntrctRcvdGreaterThan100KCnt
Government Grants	$451,000	GovernmentGrantsAmt
Total Contributions	$451,000	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	522100	$9,437,859	$9,437,859
FEE INCOME	522100	$4,501,696	$4,501,696
OTHER NON-INTEREST INCOME	522100	$785,505	$764,705	$20,800
UNRELATED FEE INCOME	522210	$116,384		$116,384

Field	Value	IRS element (for citing)
Total Program Service Revenue	$14,841,444	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$3,594,839	TotalRevenueColumnAmt
Exclusion	$3,594,839	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$145,892	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$0	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	$145,892	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$145,892	TotalRevenueColumnAmt
Related Or Exempt Func Income	$145,892	RelatedOrExemptFuncIncomeAmt

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	MISC OPERATING INCOME	Desc
Business	900099	BusinessCd
Total Revenue Column	$596,837	TotalRevenueColumnAmt
Related Or Exempt Func Income	$596,837	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$596,837	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$19,630,012	TotalRevenueColumnAmt
Related Or Exempt Func Income	$15,446,989	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$137,184	UnrelatedBusinessRevenueAmt
Exclusion	$3,594,839	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,401,870	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$3,533,490	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$1,330,907	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,040,663	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$397,297	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$18,805	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$174,912	TotalAmt

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$28,565	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$400,246	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$411,537	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$789,181	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$412,698	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$678,007	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$49,316	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$78,417	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$591	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,226,791	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$257,365	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
DEBIT/CREDIT & ATM FEES	$2,171,267
DIVIDENDS	$1,346,501
PROVISION FOR LOAN LOSS	$557,034
LOAN EXPENSE	$353,112

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$687,771	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$17,346,343	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$69,063,545	BOYAmt
EOY	$108,059,342	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$551,504	BOYAmt
EOY	$551,504	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$605,419	BOYAmt
EOY	$308,721	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$1,979,114	BOYAmt
EOY	$3,835,827	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$155,237,514	BOYAmt
EOY	$192,224,042	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$1,094,745	BOYAmt
EOY	$904,379	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$17,398,909	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$7,626,963	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$10,452,057	BOYAmt
EOY	$9,771,946	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$251,547,241	BOYAmt
EOY	$256,153,066	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$4,924,334	BOYAmt
EOY	$4,659,036	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$6,300,047	BOYAmt
EOY	$6,783,711	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$501,755,520	BOYAmt
EOY	$583,251,574	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$2,206,393	BOYAmt
EOY	$4,291,248	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$447,007,618	BOYAmt
EOY	$523,773,044	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$449,214,011	BOYAmt
EOY	$528,064,292	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$52,541,509	BOYAmt
EOY	$55,187,282	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$52,541,509	BOYAmt
EOY	$55,187,282	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$501,755,520	BOYAmt
EOY	$583,251,574	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$2,283,669	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$362,104	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule B IRS990ScheduleB

Contributor Information ContributorInformationGrp

Field	Value	IRS element (for citing)
Contributor	RESTRICTED	ContributorNum

Contributor Business Name ContributorBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	RESTRICTED	BusinessNameLine1

Contributor US Address ContributorUSAddress

Field	Value	IRS element (for citing)
Address Line1	RESTRICTED	AddressLine1
Address Line2	RESTRICTED	AddressLine2
City	RESTRICTED	City
State	RESTRICTED	State
ZIP Code	RESTRICTED	ZIPCode

Field	Value	IRS element (for citing)
Total Contributions	RESTRICTED	TotalContributionsAmt

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,749,975	OtherCostOrOtherBasisAmt
Book Value	$1,749,975	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$7,140,909	OtherCostOrOtherBasisAmt
Depreciation	$2,179,329	DepreciationAmt
Book Value	$4,961,580	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,409,372	OtherCostOrOtherBasisAmt
Depreciation	$646,281	DepreciationAmt
Book Value	$763,091	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$7,098,653	OtherCostOrOtherBasisAmt
Depreciation	$4,801,353	DepreciationAmt
Book Value	$2,297,300	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$9,771,946	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARE ACCOUNTS	Desc
Amt	$523,773,044	Amt

Field	Value	IRS element (for citing)
Total Liability	$523,773,044	TotalLiabilityAmt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Discretionary Spending Acct	Yes (X)	DiscretionarySpendingAcctInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (2 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
BERT FISHER
PRESIDENT/CEO	$1,028,768	$0	$0	$0	$0	$0	$275,846	$0	$16,068	$0	$1,320,682	$0	$0	$0
RYAN DRAKE
CFO	$130,041	$0	$1,200	$0	$0	$0	$103,472	$0	$11,807	$0	$246,520	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I - OTHER ADDITIONAL INFORMATION	FormAndLineReferenceDesc
Explanation	SCHEDULE J, PART I, QUESTION 4(B) THE CREDIT UNION ENTERED INTO A DEFERRED COMPENSATION AGREEMENT (THE "AGREEMENT") WITH MEMBERS OF THE EXECUTIVE MANAGEMENT TEAM THAT PROVIDES BENEFITS PAYABLE TO THESE EMPLOYEES UNDER TERMS AS OUTLINED IN THE AGREEMENT. BENEFITS ARE ACCRUED AND PAID BEGINNING WITH ATTAINMENT OF RETIREMENT AGE, AS DEFINED IN THE AGREEMENT. ADDITIONALLY, IF SUCH EMPLOYEE BECOMES FULLY DISABLED, ACCRUED BENEFITS ARE IMMEDIATELY PAYABLE. THE BENEFITS ARE SUBJECT TO FORFEITURE IF EMPLOYMENT IS TERMINATED FOR CAUSE, AS DEFINED IN THE AGREEMENT. THE CREDIT UNION HAS RECORDED OTHER LIABILITIES OF APPROXIMATELY $1,218,740 AND $840,497 UNDER THE AGREEMENT FOR THE YEAR ENDED DECEMBER 31, 2021 AND 2020, RESPECTIVELY.	ExplanationTxt

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (9 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
CLAY GLEB
SECRETARY/TREASURER	BUSINESS LOAN	Yes (X)	$3,657,158	$3,477,489	0	Yes (1)	Yes (1)
RYAN DRAKE
CFO	BUSINESS LOAN	Yes (X)	$281,452	$35,294	0	Yes (1)	Yes (1)
ROY DUNN JR
BOARD MEMBER	BUSINESS LOAN	Yes (X)	$20,033	$7,986	0	Yes (1)	Yes (1)
SADIE HAWKINS
BOARD MEMBER	BUSINESS LOAN	Yes (X)	$953	$703	0	Yes (1)	Yes (1)
ALLEN STRACKE
BOARD MEMBER	BUSINESS LOAN	Yes (X)	$270,195	$198,047	0	Yes (1)	Yes (1)
ROBERT WOODS
SUPERVISORY COMMITTEE	BUSINESS LOAN	Yes (X)	$69,122	$54,115	0	Yes (1)	Yes (1)
ANDREW BERTRAND
CIO	BUSINESS LOAN	Yes (X)	$59,656	$0	0	Yes (1)	Yes (1)
MARK NAULT
BOARD MEMBER	BUSINESS LOAN	Yes (X)	$52,768	$62,193	0	Yes (1)	Yes (1)
AMY THOMASON
BOARD CHAIR	BUSINESS LOAN	Yes (X)	$215	$0	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$3,835,827	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE CREDIT UNION HAS 29,459 MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7A	MEMBERS VOTE ANNUALLY TO ELECT THE BOARD OF DIRECTORS.
FORM 990, PART VI, SECTION A, LINE 7B	THE 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	AFTER FORM 990 IS PREPARED BY A CPA FIRM, THE CHIEF FINANCIAL OFFICER REVIEWS THE FORM FOR ACCURACY AND APPROVES ITS SUBMITTAL.
FORM 990, PART VI, SECTION B, LINE 12C	MANAGEMENT PROVIDES A CONFLICT OF INTEREST QUESTIONNAIRE AND PERSONAL DISCLOSURE STATEMENT TO ALL EMPLOYEES AND VOLUNTEERS OF OUR COMMUNITY CREDIT UNION. THE CONFLICT OF INTEREST POLICY IS REQUIRED TO BE REVIEWED AND SIGNED OR ACKNOWLEDGED UPON HIRE FOR NEW EMPLOYEES. ACKNOWLEDGEMENTS RECEIVED FROM INDIVIDUALS WHO DISCLOSE A POTENTIAL CONFLICT ARE FORWARDED TO THE CEO OR CFO FOR REVIEW AND APPROVAL.
FORM 990, PART VI, SECTION B, LINE 15	THE CREDIT UNION UTILIZES MULTIPLE REGIONAL, NATIONAL, AND INDUSTRY SALARY SURVEYS TO REVIEW AND/OR SET SALARY LEVELS. THE HUMAN RESOURCES DEPARTMENT HAS THE RESPONSIBILITY FOR ADMINISTERING THE CREDIT UNION'S COMPENSATION PROGRAM, WORKING WITH APPROPRIATE SENIOR MANAGEMENT TO ENSURE THAT OUR COMPENSATION SCHEDULE IS KEEPING WITH THE POLICY OF THE CREDIT UNION THROUGH A BALANCE OF MARKET COMPETITIVENESS AND INTERNAL EQUITY.
FORM 990, PART VI, SECTION C, LINE 19	GOVERNING DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
FORM 990, PART XII,2C	THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR.