CREDIT UNIONS CHARTERED IN COLORADO: Form 990, tax year 2021

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS CHARTERED IN COLORADO (EIN 84-0419976)
Tax period: 2021-01-01 to 2021-12-31
Filed: 2022-11-15
IRS object ID: 202223199349324182
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 D
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2022-11-15T16:14:04-06:00	ReturnTs
Tax Period End	2021-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	952302617	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	SINGERLEWAK LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	10960 WILSHIRE BOULEVARD 7TH FLOOR	AddressLine1Txt
City	LOS ANGELES	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	900243783	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	840419976	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	SOOP	BusinessNameControlTxt
Phone	3034275005	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	5005 W 60TH AVE	AddressLine1Txt
City	ARVADA	CityNm
State Abbreviation	CO	StateAbbreviationCd
ZIP	80003	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	AMANDA KOBZA	PersonNm
Person Title	VP FINANCE	PersonTitleTxt
Phone	3034275005	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	AMANDA	PersonFirstNm
Person Last	KOBZA	PersonLastNm

Field	Value	IRS element (for citing)
SSN	999009999	SSN

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	NAZANIN BENYAMINI	PreparerPersonNm
PTIN	P00748170	PTIN
Phone	3104773924	PhoneNum
Preparation	2022-11-14	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	DANIEL KESTER	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	5005 W 60TH AVE	AddressLine1Txt
City	ARVADA	CityNm
State Abbreviation	CO	StateAbbreviationCd
ZIP	80003	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$73,463,796	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.SOOPERCU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1951	FormationYr
Legal Domicile State	CO	LegalDomicileStateCd
Activity Or Mission	TO IMPROVE OUR COMMUNITIES' QUALITY OF LIFE BY ENHANCING OUR MEMBERS' FINANCIAL WELL-BEING.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	135	TotalEmployeeCnt
Total Volunteers	9	TotalVolunteersCnt
Total Gross UBI	$22,658	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$20,723,615	PYProgramServiceRevenueAmt
CY Program Service Revenue	$23,377,289	CYProgramServiceRevenueAmt
PY Investment Income	$1,313,312	PYInvestmentIncomeAmt
CY Investment Income	$2,122,129	CYInvestmentIncomeAmt
PY Other Revenue	$19,171	PYOtherRevenueAmt
CY Other Revenue	$22,658	CYOtherRevenueAmt
PY Total Revenue	$22,056,098	PYTotalRevenueAmt
CY Total Revenue	$25,522,076	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	$7,910,237	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$8,798,515	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$11,718,258	PYOtherExpensesAmt
CY Other Expenses	$10,666,847	CYOtherExpensesAmt
PY Total Expenses	$19,628,495	PYTotalExpensesAmt
CY Total Expenses	$19,465,362	CYTotalExpensesAmt
PY Revenues Less Expenses	$2,427,603	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$6,056,714	CYRevenuesLessExpensesAmt
Total Assets BOY	$477,256,074	TotalAssetsBOYAmt
Total Assets EOY	$541,418,878	TotalAssetsEOYAmt
Total Liabilities BOY	$427,950,957	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$486,542,139	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$49,305,117	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$54,876,739	NetAssetsOrFundBalancesEOYAmt
Mission	TO IMPROVE OUR COMMUNITIES' QUALITY OF LIFE BY ENHANCING OUR MEMBERS'FINANCIAL WELL-BEING.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	THE CREDIT UNION IS OWNED BY APPROXIMATELY 35,000 MEMBERS. THE CREDITUNION PROVIDES FINANCIAL SERVICES TO ITS MEMBERS. SOME OF THESESERVICES INCLUDE CONSUMER LENDING, MORTGAGE LENDING, CHECKING ANDSAVINGS ACCOUNTS, AND SHARE CERTIFICATES. THE CREDIT UNION ALSO OFFERSATM, DEBIT AND CREDIT CARDS, IN ADDITION TO OTHER FINANCIAL SERVICES.	Desc
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	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	Yes (1)	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	6663	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	135	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
Quid Pro Quo Contributions	0	QuidProQuoContributionsInd
Form8282 Property Disposed Of	0	Form8282PropertyDisposedOfInd
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	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	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

Field	Value	IRS element (for citing)
Person	AMANDA KOBZA	PersonNm
Phone	3034275005	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	5005 W 60TH AVE	AddressLine1Txt
City	ARVADA	CityNm
State Abbreviation	CO	StateAbbreviationCd
ZIP	80003	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (21 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd
DONETTA DAVIDSON
DIRECTOR	3.00	Yes (X)	$0	$0	$0
JOHN BODNAR
SECRETARY/DIRECTOR	3.00	Yes (X)	$0	$0	$0	Yes (X)
FLOSSIE O'LEARY
VICE CHAIR/DIRECTOR	3.00	Yes (X)	$0	$0	$0	Yes (X)
BOB BRUHN
TREASURER/DIRECTOR	3.00	Yes (X)	$0	$0	$0	Yes (X)
ADAM WILLIAMSON
CHAIRPERSON/DIRECTOR	3.00	Yes (X)	$0	$0	$0	Yes (X)
ROGER CAMPBELL
DIRECTOR	3.00	Yes (X)	$0	$0	$0
PRESTON BRANAUGH
DIRECTOR	3.00	Yes (X)	$0	$0	$0
LYNN SIERRAS-KRONE
DIRECTOR	3.00	Yes (X)	$0	$0	$0
DON BLEA
DIRECTOR	3.00	Yes (X)	$0	$0	$0
DANIEL KESTER
CEO/PRESIDENT	40.00		$412,307	$0	$21,858	Yes (X)
CARRIE LANGGARD
EVP	40.00		$236,298	$0	$22,546	Yes (X)
GARY ROBBINS
CHIEF LENDING OFFICER	40.00		$170,580	$0	$27,261	Yes (X)
JOSH HENDERSON
VP IT	40.00		$120,097	$0	$25,562	Yes (X)
JESSE SCHADE
VP RETAIL	40.00		$120,599	$0	$4,778	Yes (X)
AMANDA KOBZA
VP FINANCE	40.00		$109,364	$0	$14,978	Yes (X)
TERRI RHOADES
VP BUSINESS SERVICES	40.00		$106,820	$0	$14,306	Yes (X)
JOHN PURCELL
VP LENDING	40.00		$33,419	$0	$3,029	Yes (X)
TIM JANVRIN
VP LENDING	40.00		$102,123	$0	$8,265	Yes (X)
NATE ROGERS
CHIEF STRATEGY OFFICER	40.00		$148,660	$0	$17,601	Yes (X)
CHERISE MEANY
VP OF MARKETING	40.00		$94,782	$0	$12,502	Yes (X)
MIRANDA MADDEN
VP OF HR	40.00		$75,994	$0	$5,502	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,731,043	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$178,188	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	9	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
COOP FINANCIAL SERVICES
9692 HAVEN AVE	RANCHO CUCAMONGA	CA	91730	CREDIT CARD PROCESSING AND TRANSACTION	$975,098
NATIONAL CREDIT UNION ADMINISTRATION
PO BOX 976069	ST LOUIS	MO	631979000	SHARE INSURANCE	$578,058
CU PRODIGY-CORE
209 E GORDON AVE	LAYTON	UT	84041	DATA PROCESSOR	$557,043
LENDERS PROTECTION
1501 S MOPAC EXPY	AUSTIN	TX	78746	AUTO LOAN INSURANCE	$483,001
Q2
PO BOX 205970	DALLAS	TX	753205970	ONLINE BANKING PROVIDER	$331,524

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	14	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
INTEREST ON LOANS TO MEMBERS	522100	$18,244,687	$18,244,687
OTHER INCOME	522100	$3,304,865	$3,304,865
FEES AND CHARGES	522100	$1,827,737	$1,827,737

Field	Value	IRS element (for citing)
Total Program Service Revenue	$23,377,289	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$440,426	TotalRevenueColumnAmt
Exclusion	$440,426	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$10,598,114	SecuritiesAmt
Other	$39,025,309	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$10,760,909	SecuritiesAmt
Other	$37,180,811	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	-$162,795	SecuritiesAmt
Other	$1,844,498	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,681,703	TotalRevenueColumnAmt
Exclusion	$1,681,703	ExclusionAmt

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	NON-MEMBER ATM FEES	Desc
Business	525990	BusinessCd
Total Revenue Column	$22,658	TotalRevenueColumnAmt
Unrelated Business Revenue	$22,658	UnrelatedBusinessRevenueAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$22,658	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$25,522,076	TotalRevenueColumnAmt
Related Or Exempt Func Income	$23,377,289	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$22,658	UnrelatedBusinessRevenueAmt
Exclusion	$2,122,129	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,909,229	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$5,547,264	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$376,188	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$486,154	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$479,680	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$20,547	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$142,733	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$279,900	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$291,419	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$3,443,994	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,192,756	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$135,970	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$3,206	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$890,819	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$128,422	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
INTEREST AND DIVIDENDS	$1,969,403
PROVISION FOR LOAN LOSS	$1,406,939
MISCELLANEOUS OTHER EXP	$432,217
LOAN SERVICING EXPENSES	$268,758

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$59,764	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$19,465,362	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$3,545,894	BOYAmt
EOY	$5,103,659	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$9,804,950	BOYAmt
EOY	$20,775,989	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$141,813	BOYAmt
EOY	$701,847	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
EOY	$1,856,900	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$409,857,833	BOYAmt
EOY	$446,771,213	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$724,735	BOYAmt
EOY	$1,128,968	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$17,382,831	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$8,530,045	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$9,401,061	BOYAmt
EOY	$8,852,786	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$28,118,933	BOYAmt
EOY	$39,477,294	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$450,500	BOYAmt
EOY	$478,200	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$3,341,374	BOYAmt
EOY	$3,349,722	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$11,868,981	BOYAmt
EOY	$12,922,300	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$477,256,074	BOYAmt
EOY	$541,418,878	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$2,902,596	BOYAmt
EOY	$2,951,890	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$425,048,361	BOYAmt
EOY	$483,590,249	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$427,950,957	BOYAmt
EOY	$486,542,139	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	$6,234,401	BOYAmt
EOY	$6,234,401	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$43,070,716	BOYAmt
EOY	$48,642,338	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$49,305,117	BOYAmt
EOY	$54,876,739	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$477,256,074	BOYAmt
EOY	$541,418,878	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$6,056,714	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$485,092	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	0	FSAuditedInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,364,882	OtherCostOrOtherBasisAmt
Book Value	$1,364,882	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$12,116,106	OtherCostOrOtherBasisAmt
Depreciation	$5,473,122	DepreciationAmt
Book Value	$6,642,984	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,861,073	OtherCostOrOtherBasisAmt
Depreciation	$3,056,923	DepreciationAmt
Book Value	$804,150	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$40,770	OtherCostOrOtherBasisAmt
Book Value	$40,770	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$8,852,786	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (3 entries)

DescDesc	AmtAmt
MEMBER SHARES AND DEPOSIT ACCOUNTS	$473,481,349
DRAWS AGAINST LINES OF CREDIT	$10,000,000
OTHER NOTES	$108,900

Field	Value	IRS element (for citing)
Total Liability	$483,590,249	TotalLiabilityAmt
Total Rev Etc Audited Fincl Stmt	$25,522,076	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$25,522,076	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$25,522,076	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$19,465,362	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$19,465,362	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$19,465,362	TotalExpensesPerForm990Amt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Committee	Yes (X)	CompensationCommitteeInd
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (4 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
DANIEL KESTER
CEO/PRESIDENT	$361,587	$0	$50,720	$0	$0	$0	$11,666	$0	$10,192	$0	$434,165	$0	$341,171	$0
CARRIE LANGGARD
EVP	$209,798	$0	$26,500	$0	$0	$0	$9,832	$0	$12,714	$0	$258,844	$0	$0	$0
GARY ROBBINS
CHIEF LENDING OFFICER	$150,180	$0	$20,400	$0	$0	$0	$7,724	$0	$19,537	$0	$197,841	$0	$0	$0
NATE ROGERS
CHIEF STRATEGY OFFICER	$146,860	$0	$1,800	$0	$0	$0	$5,684	$0	$11,917	$0	$166,261	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 4B	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION HAS ESTABLISHED A NON-QUALIFIED DEFERRED COMPENSATION PLAN FOR SELECT MEMBERS OF MANAGEMENT UNDER SECTION 457(F) OF THE INTERNAL REVENUE CODE. EACH MEMBER OF MANAGEMENT WHO IS OFFERED THE PLAN MUST BE CONTINUOUSLY EMPLOYED FOR A CERTAIN NUMBER OF YEARS TO EARN THE DEFERRED COMPENSATION PAYMENT. THERE WERE NO AMOUNTS ACCRUED UNDER THE PLAN FOR 2021.	ExplanationTxt

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (8 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
GARY ROBBINS
CHIEF LENDING OFFICER	MORTGAGE	Yes (X)	$484,350	$437,670	0	Yes (1)	Yes (1)
CARRIE LANGGARD
EVP	MORTGAGE	Yes (X)	$335,250	$304,173	0	Yes (1)	Yes (1)
AMANDA KOBZA
VP FINANCE	MORTGAGE	Yes (X)	$173,000	$157,684	0	0	Yes (1)
JOSHUA HENDERSON
VP OF INFORMATION TECHNOLOGY	HELOC	Yes (X)	$40,000	$35,218	0	0	Yes (1)
TIMOTHY JANVRIN
VP LENDING	MORTGAGE	Yes (X)	$478,000	$472,343	0	0	Yes (1)
CHERISE MEANY
VP MARKETING	AUTO	Yes (X)	$16,964	$16,964	0	0	Yes (1)
JESSE SCHADE
VP RETAIL	AUTO	Yes (X)	$57,687	$42,017	0	0	Yes (1)
CARRIE LANGGARD
EVP	SPLIT DOLLAR LIFE INSURANCE	Yes (X)	$130,277	$390,831	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$1,856,900	TotalBalanceDueAmt

Bus Tr Involve Interested Prsn BusTrInvolveInterestedPrsnGrp

Name Of Interested NameOfInterested

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CU PRODIGY	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Relationship Description	MANAGEMENT OF THE CREDIT UNION SITS ON THE BOARD OF DIRECTORS OF THE ENTITY	RelationshipDescriptionTxt
Transaction	$557,043	TransactionAmt
Transaction	CORE PROCESSOR	TransactionDesc
Sharing Of Revenues	0	SharingOfRevenuesInd

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	PERSONS ELIGIBLE FOR MEMBERSHIP INCLUED EMPLOYEES (AND FAMILY MEMBERS) OF KING SOOPERS, CITY MARKET, AND OTHER BUSINESSES AND MEMBERS OF ASSOCIATIONS GENERALLY IN THE DENVER, COLORADO SPRINGS, AND GRAND JUNCTION, COLORADO AREAS. MEMBERSHIP ALSO INCLUDES PERSONS 55 YEARS OR OLDER LIVING WITHIN 25 MILES OF A SOOPER CREDIT UNION BRANCH. IN 2015, THE CREDIT UNION ADDED PERSONS WHO LIVE OR WORK IN JEFFERSON COUNTY, COLORADO TO ITS FIELD OF MEMBERSHIP. A $5 MINIMUM DEPOSIT IS REQUIRED FOR MEMBERSHIP.
FORM 990, PART VI, SECTION A, LINE 7A	THE MEMBERS OF THE CREDIT UNION ANNUALLY ELECT THE BOARD OF DIRECTORS TO SERVE FOR MULTIPLE-YEAR TERMS BY MAILING IN BALLOTS OR VOTING AT AN ANNUAL MEETING.
FORM 990, PART VI, SECTION A, LINE 7B	VARIOUS DECISIONS MADE BY THE BOARD OF DIRECTORS FOR A CREDIT UNION ARE SUBJECT TO APPROVAL BY THE MEMBERS OF THE CREDIT UNION AS SET FORTH IN NCUA RULES AND REGULATIONS AND APPLICABLE STATE REGULATIONS. MERGER-REQUIRES TWO-THIRDS MAJORITY VOTE OF VOTING MEMBERS. CHARTER CONVERSION-REQUIRES TWO-THIRDS MAJORITY VOTE OF VOTING MEMBERS. DISSOLUTION AND LIQUIDATION-REQUIRES MAJORITY VOTE OF ENTIRE MEMBERSHIP.
FORM 990, PART VI, SECTION B, LINE 11B	THE CREDIT UNION HAS CONTRACTED WITH A CERTIFIED PUBLIC ACCOUNTING FIRM FOR ASSISTANCE IN COMPLETION OF THE FORM 990/990-T. CURRENTLY, THE BOARD OF DIRECTORS DOES NOT REVIEW THE TAX FORM 990/990-T PRIOR TO SUBMISSION.
FORM 990, PART VI, SECTION B, LINE 12C	CONFLICT OF INTEREST STATEMENTS ARE SENT TO THE DIRECTORS, SUPERVISORY COMMITTEE AND ALL STAFF ANNUALLY. THESE ARE COMPLETED AND RETURNED TO THE DIRECTOR OF CORPORATE.
FORM 990, PART VI, SECTION B, LINE 15	CEO COMPENSATION-THE BOARD OF DIRECTORS USE COMPENSATION SURVEYS TO DETERMINE CEO COMPENSATION. CEO COMPENSATION IS APPROVED BY THE BOARD OF DIRECTORS. TOP MANAGEMENT COMPENSATION-JOB DESCRIPTIONS ARE DEVELOPED USING THE COMPEASE SOFTWARE PORTAL. FACTORS AND JOB DESCRIPTIONS ARE SET WITHIN THE SOFTWARE, WHICH THEN DETERMINES THE SALARY RANGE FOR THE POSITION. SALARIES ARE INCREASED AND DETERMINED BY PERFORMANCE AND THE EMPLOYEES' COMPARATIO.
FORM 990, PART VI, SECTION C, LINE 19	THE CREDIT UNION'S GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICIES ARE AVAILABLE FOR REVIEW UPON REQUEST AT THE CREDIT UNION. MONTHLY FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. SUMMARIZED FINANCIAL INFORMATION IS AVAILABLE ON THE CREDIT UNION'S WEBSITE. QUARTERLY FINANCIAL DATE IS AVAILABLE TO THE PUBLIC AT WWW.NCUA.GOV.
PART XII, LINE 2C	SELECTION OF THE AUDITORS AND OVERSIGHT OF THE AUDITORS IS DONE BY THE AUDIT COMMITTEE. THERE WERE NO CHANGES TO THE SELECTION OR OVERSIGHT PRACTICES DURING 2021 .