2022-11-14T10:49:49-06:00 2021-12-31 410746749 CLIFTONLARSONALLEN LLP 20 EAST THOMAS ROAD SUITE 2300 PHOENIX AZ 85012 990 2021-01-01 910440744 CREDIT UNIONS IN THE STATE OF WASHINGTON TWINSTAR CREDIT UNION CRED 8002583115 PO BOX 718 OLYMPIA WA 98507 KIMBERLY STEEPY CFO 8002583115 2022-11-10 1 KIMBERLY STEEPY 999009999 MELISSA HANGSLEBEN P02087031 6022662248 2022-11-10 3 AAL1 IAL1 2021 2022-09-23 18:48:47Z TWINSTAR CREDIT UNION JEFF KENNEDY PO BOX 718 OLYMPIA WA 98507 102290475 0 X WWW.TWINSTARCU.COM X 1937 WA TWINSTAR'S MISSION IS TO INVEST IN PEOPLE AND EMPOWER SUCCESS. 9 9 515 13 183733 0 0 0 100877818 96805218 2591545 3659546 1431842 1776665 104901205 102241429 410310 357608 7047586 4473327 40236006 43547487 0 0 0 43574867 35057383 91268769 83435805 13632436 18805624 1846725050 2172440238 1672058138 1985850287 174666912 186589951 X IN 2014, WE ADOPTED OUR BRAND PROMISE: REALIZING FINANCIAL DREAMS TOGETHER. THE SHORT, SIMPLE PHRASE CAPTURES ALL OF OUR STRATEGIC INTENT IN JUST A FEW WORDS. WE HAVE THE PEOPLE, TOOLS AND VALUE SYSTEMS IN PLACE TO HELP OUR MEMBERS NOT ONLY HAVE A GREAT PLACE TO BANK BUT ALSO HAVE A PROSPEROUS FUTURE. THE PROMISE PROVIDES VALUABLE DIFFERENTIATION FOR TWINSTAR AS MANY OTHER BANKING INSTITUTIONS CANNOT PROVIDE THE SAME EXPERIENCE. 0 0 SHARE ACCOUNTS: TWINSTAR SAVINGS ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. TWINSTAR HAD 138,458 MEMBERS ON DECEMBER 31, 2021. MEMBER SAVINGS ACCOUNTS PAY DIVIDENDS MONTHLY AND OFFER ACCESS THROUGH THE BRANCH NETWORK, HOME BANKING VIA THE INTERNET OR TELEPHONE, MOBILE BANKING AND VIA ATMS WORLDWIDE. SPECIAL SAVINGS ACCOUNTS ARE DESIGNED FOR CHILDREN AND TEENAGERS TO ENCOURAGE THE DEVELOPMENT OF CONSISTENT SAVINGS HABITS. CHECKING ACCOUNTS: TWINSTAR PROVIDES CHECKING ACCOUNTS FOR CONSUMERS WITH VARIOUS FEATURES, FROM FREE ACCOUNTS TO THOSE WITH ENHANCED BENEFITS. MOST OFFER DIVIDENDS THAT ARE PAID MONTHLY. ADDITIONALLY, TWINSTAR EXTENDS THE REACH OF THESE ACCOUNTS TO ALL MEMBERS WITH FREE DEBIT CARDS, INTERNET ACCOUNT ACCESS, MOBILE BANKING AND FREE USE OF THE INTERNET BILL PAYER PLATFORM. CONSUMER LOANS: TWINSTAR CREDIT UNION HAS PROVIDED VEHICLE LOANS SINCE ITS EARLY YEARS. THE CONSUMER LOAN PRODUCT LINE NOW INCLUDES EFFICIENT UNDERWRITING AND FLEXIBLE OFFERINGS FOR RECREATIONAL VEHICLES, BOATS AND MOTORCYLCES. TWINSTAR ALSO OFFERS VISA CREDIT CARDS TO MEMBERS. THIS PRODUCT LINE SATISFIES MEMBERS DIVERSE BORROWING NEEDS, FROM A SHARE SECURED CARD TO A CREDIT LINE FOR YOUNG BORROWERS TO A CARD WITH LARGER CREDIT LINES AND LOW INTEREST RATES. TWINSTAR ALSO OFFERS HOME EQUITY/REAL ESTATE LOANS, BUSINESS LOANS AND STUDENT LOAN REFINANCE. THE CREDIT UNION OFFERS AND ACTIVELY SELLS TO OUR MEMBERS DIFFERENT KINDS OF INSURANCE, HOMEOWNERS, CONDO, RENTERS TRAVEL TRAILERS, RV'S, AUTO, MOTORCYCLE, WATERCRAFT, MOBILE/MANUFACTURED HOMES, ATV'S, UMBRELLA, PERSONAL EXCESS POLICIES, EARTHQUAKE, FLOOD, AND COMMERCIAL AUTO. 0 0 1 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 1 1 1 0 1 34329 0 515 1 1 1 0 0 0 0 0 0 0 X 9 9 0 0 1 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 0 X KIMBERLY STEEPY 3609234408 4501 INTELCO LOOP SE LACEY WA 98503 RON HASTIE CHAIR 1.00 X X 0 0 0 DALE TOSLAND VICE CHAIR 1.00 X X 0 0 0 KIM MARTIN SECRETARY 1.00 X X 0 0 0 DONNA FELICIANO DIRECTOR 1.00 X 0 0 0 GAYLA GJERTSEN DIRECTOR 1.00 X 0 0 0 BRIAN HURLEY DIRECTOR 1.00 X 0 0 0 JENA MILLER DIRECTOR 1.00 X 0 0 0 MARK NEARY DIRECTOR 1.00 X 0 0 0 RHODETTA SEWARD DIRECTOR 1.00 X 0 0 0 JEFF KENNEDY CEO/PRESIDENT/TREASURER 40.00 0.50 X 1005997 0 731233 KIMBERLY STEEPY CHIEF FINANCIAL OFFICER 40.00 0.50 X 249550 0 24310 REBECCA BREEN CHIEF OPERATIONS OFFICER 40.00 X 290509 0 37368 NICOLE COLGAN CHIEF PEOPLE OFFICER 40.00 X 226878 0 25345 SCOTT DAUKAS CHIEF STRATEGY OFFICER 40.00 X 644345 0 70084 JERROD KELLER CHIEF EXPERIENCE OFFICER 40.00 X 259999 0 27396 AARON PALMER CHIEF REVENUE OFFICER 40.00 X 249361 0 108980 DANIELA PARKER CHIEF RISK OFFICER 40.00 X 222792 0 26921 TAMMY TEETER CHIEF ADMINISTRATIVE OFFICER 40.00 X 191228 0 23185 ELKAN WOLLENBERG VP DIGITAL TRANSFORMATION 40.00 X 199501 0 25619 MEGGAN ANDERSON BRANCH MORTGAGE LOAN OFFICER 40.00 X 275206 0 27269 CYNTHIA HALSTEAD BRANCH MORTGAGE LOAN OFFICER 40.00 X 348339 0 23117 PEGGY KING BRANCH MORTGAGE LOAN OFFICER 40.00 X 260048 0 35274 PATRICE KRUGER VP CHANNEL SERVICES 40.00 X 187649 0 24605 4611402 0 1210706 66 0 1 0 Q2 SOFTWARE INC PO BOX 678272 DALLAS TX 752678272 ONLINE BANKING & SOFTWARE SUPPORT 2059522 NARMI INC PO BOX 231517 NEW YORK NY 10023 ONLINE BANKING & SOFTWARE SUPPORT 1086239 JACK HENRY & ASSOCIATES INC PO BOX 609 MONETT MO 65708 SOFTWARE MAINTENANCE/CONSULTING 795053 RAPID TECHNOLOGIES INC 9362 TEDDY LN 203 LONE TREE CO 80124 IT LICENSES/SAAS SERVICE 699406 DIEBOLD PO BOX 643543 PITTSBURGH PA 152643543 EQUIPMENT REPAIRS/MAINTENANCE 510387 50 INTEREST ON LOANS 522100 62543018 62543018 SERVICE CHARGES AND FEES 522100 16434600 16420115 14485 VISA/INTERCHANGE INCOME 522100 15799116 15663415 135701 LOAN SALES AND SERVICING INCOME 522100 2028484 2028484 96805218 3607852 3607852 8235 890 7345 7345 7345 99850 48156 51694 51694 51694 OTHER INCOME 522100 1769320 33547 1735773 1769320 102241429 96655032 183733 5402664 357008 600 4473327 4415482 30247685 1441053 4783732 2659535 145082 137343 29534 1816845 551189 2553219 4988824 2704164 71938 211376 1 516490 3830848 356592 MEMBER SERVICES 10661581 LOAN SERVICING EXPENSES 5304204 PROVISION FOR LOAN LOSS 650000 OTHER EXPENSES 365597 162556 83435805 11444896 11408793 382070001 347613901 4396330 3538966 1177357852 1319985722 4747649 5521992 78171351 35726639 42895537 42444712 136677981 366191720 14691982 15947058 36465 12129 72406357 59775245 1846725050 2172440238 18176138 13165929 3813464 3166693 1650068536 1969517665 1672058138 1985850287 X 0 0 0 0 174666912 186589951 174666912 186589951 1846725050 2172440238 18805624 -6882585 0 X 0 1 X 1 0 29534 0 0 29534 29534 1 NORTHWEST CREDIT UNION ASSOCIATION 18000 INTERNATIONAL BLVD STE 350 SEATAC WA 98188 910460483 29534 PART I-A, LINE 1: CONTRIBUTION TO POLITICAL ORGANIZATION. 0 1 X 8912981 8912981 44097465 17089222 27008243 3298556 1481725 1816831 21380877 16769506 4611371 481472 386186 95286 42444712 SHAREHOLDER DEPOSITS 1965324385 DEFERRED COMPENSATION LIABILITIES 4193280 1969517665 X PART IV, LINE 2B: CUSTODIAL ESCROW BALANCES MAINTAINED IN CONNECTION WITH LOAN SERVICING. PART X, LINE 2: THE CREDIT UNION IS STATE CHARTERED AND FEDERALLY TAX-EXEMPT UNDER INTERNAL REVENUE CODE 501(C)(14), EXCEPT TO THE EXTENT OF UNRELATED BUSINESS INCOME. THE CREDIT UNION HAD NO UNRECOGNIZED TAX BENEFITS AS OF DECEMBER 31, 2021. THE CREDIT UNION RECOGNIZES INTEREST ACCRUED AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS AS A NONINTEREST EXPENSE. DURING THE YEAR ENDED DECEMBER 31, 2021, THE CREDIT UNION RECOGNIZED NO INTEREST AND PENALTIES. 1 TWINSTAR COMMUNITY FOUNDATION 4501 INTELCO LP SE LACEY WA 98503 371768613 501(C)(3) 103000 0 COLLEGE/HIGHER ED SCHOLARSHIPS/CLASSROOM ASSISTANCE SPSCC FOUNDATION 2011 MOTTMAN RD SW OLYMPIA WA 98512 911174940 501(C)(3) 38500 0 FOOD PANTRY, ART GALLERY GENERAL FUND, EVENT SPONSORSHIPS, SCHOLARSHIPS SAINT MARTIN'S UNIVERSITY 5300 PACIFIC AVE SE LACEY WA 98503 910564993 501(C)(3) 35500 0 ATHLETICS DEPARTMENT WASHINGTON CTR FOR THE PERFORMING ARTS 512 WASHINGTON ST SE OLYMPIA WA 98501 911182866 501(C)(3) 25000 0 CAPITAL CAMPAIGN COLUMBIA RIVER ECONOMIC DEVELOPMENT COUNCIL 805 BROADWAY STE 412 VANCOUVER WA 98660 911186305 501(C)(4) 10400 0 FUTURE LEADERS PROJECT CHILDREN'S MIRACLE NETWORK PO BOX 5371 SEATTLE WA 98115 870387205 501(C)(3) 10000 0 UNRESTRICTED THURSTON COUNTY CHAMBER OF COMMERCE 809 LEGION WAY SE OLYMPIA WA 98501 910346205 501(C)(6) 10000 0 DISTINGUISHED LEADERS AWARDS, SPONSORSHIPS CITY OF LACEY 420 COLLEGE ST SE LACEY WA 985031238 910819427 CITY OF LACEY 10000 0 UNRESTRICTED COMMUNITY YOUTH SERVICES 711 STATE AVE NE OLYMPIA WA 98506 910859922 501(C)(3) 10000 0 BRIC PROGRAM UNITED WAY OF THURSTON COUNTY 3525 7TH AVE SW OLYMPIA WA 98502 910713462 501(C)(3) 10000 0 UNRESTRICTED BOYS AND GIRLS CLUB OF CHEHALIS 2071 JACKSON HWY CHEHALIS WA 98532 263482643 501(C)(3) 5500 0 GOLF AND GRAND PIANO SPONSORSHIPS 9 2 PART I, LINE 2: ANNUALLY, TWINSTAR CREDIT UNION THROUGH THE TWINSTAR COMMUNITY FOUNDATION AWARDS SCHOLARSHIPS TO ELIGIBLE MEMBERS VIA TWO SEPARATE PROGRAMS: INCOMING FRESHMEN PROGRAM AND HIGHER EDUCATION/OR CURRENT COLLEGE ENROLLERS PROGRAM. AWARDEES ARE DETERMINED BY THE SCHOLARSHIP COMMITTEE WHO GRADES EACH APPLICATION. THE FUNDS ARE DIRECTLY MADE PAYABLE TO THE EDUCATIONAL INSTITUTION ON BEHALF OF THE AWARDEE. IF NOT USED, THE FUNDS REVERT BACK TO THE CREDIT UNION. TWINSTAR SPONSORS COMMUNITY EVENTS THAT MEET THREE CATEGORIES (EDUCATION, ECONOMIC DEVELOPMENT AND SPONSORSHIP) IN ALL ITS MARKET AREAS. EMPLOYEES USUALLY ACTIVELY PARTICIPATE IN THESE EVENTS UPON REQUEST OF THE ORGANIZATION OR AS PART OF TWINSTAR'S CONTINUOUS SUPPORT TO THE COMMUNITIES IT SERVES. X X 1 1 X X X 0 1 0 JEFF KENNEDY CEO/PRESIDENT/TREASURER 681733 0 304464 0 19800 0 710200 0 21033 0 1737230 0 0 0 SCOTT DAUKAS CHIEF STRATEGY OFFICER 248514 0 45535 0 350296 0 58454 0 11630 0 714429 0 350000 0 CYNTHIA HALSTEAD BRANCH MORTGAGE LOAN OFFICER 56286 0 292004 0 49 0 13112 0 10005 0 371456 0 0 0 AARON PALMER CHIEF REVENUE OFFICER 205431 0 39513 0 4417 0 85419 0 23561 0 358341 0 0 0 REBECCA BREEN CHIEF OPERATIONS OFFICER 246864 0 42431 0 1214 0 17250 0 20118 0 327877 0 0 0 MEGGAN ANDERSON BRANCH MORTGAGE LOAN OFFICER 71597 0 203568 0 41 0 16786 0 10483 0 302475 0 0 0 PEGGY KING BRANCH MORTGAGE LOAN OFFICER 75769 0 184190 0 89 0 15581 0 19693 0 295322 0 0 0 JERROD KELLER CHIEF EXPERIENCE OFFICER 222412 0 37381 0 206 0 15689 0 11707 0 287395 0 0 0 KIMBERLY STEEPY CHIEF FINANCIAL OFFICER 213664 0 35446 0 440 0 13403 0 10907 0 273860 0 0 0 NICOLE COLGAN CHIEF PEOPLE OFFICER 194472 0 32110 0 296 0 12752 0 12593 0 252223 0 0 0 DANIELA PARKER CHIEF RISK OFFICER 190361 0 32135 0 296 0 13361 0 13560 0 249713 0 0 0 ELKAN WOLLENBERG VP DIGITAL TRANSFORMATION 180478 0 18737 0 286 0 14514 0 11105 0 225120 0 0 0 TAMMY TEETER CHIEF ADMINISTRATIVE OFFICER 164923 0 25101 0 1204 0 10816 0 12369 0 214413 0 0 0 PATRICE KRUGER VP CHANNEL SERVICES 165048 0 18267 0 4334 0 11191 0 13414 0 212254 0 0 0 PART I, LINE 1A TRAVEL FOR COMPANIONS-SPOUSE/DOMESTIC PARTNER EXPENSES WILL BE PAID BY THE CREDIT UNION AND ARE INCLUDED IN THE BUDGET. A 1099-MISC IS ISSUED TO THE BOARD MEMBER PROVIDED THE REPORTING THRESHHOLD IS MET. PART I, LINE 4B DEFERRED COMPENSATION PLAN [SECTION 457(F)] - THE CREDIT UNION HAS ENTERED INTO 457(F) DEFERRED COMPENSATION AGREEMENTS WITH CERTAIN SENIOR EXECUTIVES. THE CREDIT UNION HAS INVESTED IN CERTAIN INVESTMENTS AND WHOLE LIFE INSURANCE POLICIES IN ORDER TO PARTIALLY DEFRAY THE COST OF THESE AGREEMENTS. THE CREDIT UNION IS THE OWNER OF THE INVESTMENTS AND POLICIES, AND A LIABILITY IS SEPARATELY ESTABLISHED FOR THE INTENDED OBLIGATION TO THE EXECUTIVES. THE FOLLOWING INDIVIDUALS RECEIVED A DISTRIBUTION FROM THE 457(F) PLAN DURING 2021: SCOTT DAUKAS - $350,000 THE FOLLOWING INDIVIDUALS RECEIVED A CONTRIBUTION TO THE 457(F) PLAN DURING 2021: JEFF KENNEDY - $692,950 SCOTT DAUKAS -$42,394 AARON PALMER - $69,507 FORM 990, PART VI, SECTION A, LINE 1A AT THE ORGANIZATIONAL MEETING, THE BOARD MAY ELECT AN EXECUTIVE COMMITTEE OF NOT FEWER THAN THREE (3) DIRECTORS TO SERVE AT ITS PLEASURE. UNLESS OTHERWISE CHANGED BY THE BOARD BY RESOLUTION, THE EXECUTIVE COMMITTEE SHALL CONSIST OF THE BOARD OFFICERS. THE EXECUTIVE COMMITTEE SHALL MEET AS OFTEN AS NECESSARY AS CALLED BY THE CHAIR. AT ALL MEETINGS OF THE EXECUTIVE COMMITTEE, EACH DIRECTOR PRESENT SHALL HAVE ONE VOTE ON ANY MATTER AND EXCEPT AS OTHERWISE PROVIDED BY THE ACT OR THESE BYLAWS, THE ACTION OF A MAJORITY OF EXECUTIVE COMMITTEE MEMBERS AT A MEETING SHALL BE THE ACT OF THE EXECUTIVE COMMITTEE. THE EXECUTIVE COMMITTEE WILL HAVE THE AUTHORITY TO EXERCISE ALL OF THE POWERS OF THE BOARD, EXCEPT THE EXECUTIVE COMMITTEE WILL NOT HAVE THE AUTHORITY OF THE BOARD IN REFERENCE TO: A. AMENDING THESE BYLAWS OR THE CREDIT UNION'S ARTICLES OF INCORPORATION; B. EXERCISING THE NON-DELEGABLE POWERS UNDER THE ACT; C. REMOVING OR SUSPENDING OFFICERS FROM THEIR OFFICE OR COMMITTEE MEMBERS FROM THEIR COMMITTEES; D. APPOINTING INTERIM DIRECTORS; E. SUSPENDING BOARD OR SUPERVISORY COMMITTEE MEMBERS; OR F. ADOPTING A PLAN OF MERGER OR LIQUIDATION, OR CHANGING THE CHARTER OF THE CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 4 THE GOVERNING DOCUMENTS WERE AMENDED DURING 2021 TO REFLECT A CHANGE IN TERM LIMITS FOR BOARD MEMBERS AND COMMITTEE MEMBERS. FORM 990, PART VI, SECTION A, LINE 6 PARTICIPATION IN THIS CREDIT UNION IS LIMITED TO THOSE WHO QUALIFY FOR MEMBERSHIP AS DEFINED IN THE CREDIT UNION'S CHARTER AND BYLAWS. THIS GENERALLY CONSISTS OF INDIVIDUALS WHO RESIDE IN OR ARE EMPLOYED IN THE STATE OF WASHINGTON, OR IN MULTNOMAH, CLACKAMAS, MARION, OR WASHINGTON COUNTIES IN OREGON, AND SELECT EMPLOYEE GROUPS WITHIN THE REGION. IN ADDITION TO A REGULARLY QUALIFIED MEMBER, THE SPOUSE OF A MEMBER, THE BLOOD OR ADOPTIVE RELATIVES OF EITHER OF THEM, AND THEIR SPOUSES MAY BE MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, OR AS VACANCIES ARISE, OR OTHERWISE. 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 THE FORM 990 IS PREPARED BY THE ORGANIZATION'S PUBLIC ACCOUNTING FIRM BASED ON INFORMATION PROVIDED BY MANAGEMENT. ONCE THE DRAFT IS AVAILABLE, IT IS REVIEWED BY MANAGEMENT AND ANY CHANGES INCORPORATED INTO THE FILING. A COPY WILL BE PRESENTED TO THE BOARD OF DIRECTORS AFTER FILING. FORM 990, PART VI, SECTION B, LINE 12C ANNUALLY, AT THE ORGANIZATIONAL MEETING, THE DIRECTORS, SUPERVISORY COMMITTEE AND BOARD COMMITTEE MEMBERS REVIEW AND SIGN THE VOLUNTEER CODE OF ETHICS POLICY NO. 116 AND PROCEDURE NO. 1091. EACH SIGNS AN ACKNOWLEDGMENT AND AGREEMENT, A STATEMENT OF DISCLOSURE, AND A PERSONAL BACKGROUND AND RELATIONSHIPS FORM. ALL EMPLOYEES ARE ALSO REQUIRED ANNUALLY TO REVIEW THE CONFLICT OF INTEREST POLICY AND SIGN AN AGREEMENT. FORM 990, PART VI, SECTION B, LINE 15 THE BOARD MEETS IN EXECUTIVE SESSION AND DETERMINES COMPENSATION FOR THE CEO BY REVIEWING 1) COMPARABILITY DATA 2) THE RESULTS OF MANAGEMENT'S GOALS FOR THE YEAR, AND 3) THE RESULTS OF THE CEO EVALUATION AND SCORING SHEET COMPLETED BY EACH BOARD DIRECTOR. THE COMPENSATION IS THEN DOCUMENTED IN THE PERSONNEL FILE. COMPENSATION FOR THE VICE PRESIDENTS/OFFICERS IS DETERMINED BY THE CEO AFTER REVIEWING COMPARABILITY DATA PROVIDED BY HUMAN RESOURCES VENDOR AND REVIEW OF THE PROGRESS AND RESULTS OF MANAGEMENT'S GOALS. THE COMPENSATION IS THEN DOCUMENTED IN THE PERSONNEL FILE. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE UPON REQUEST. THE PARAGON CONSULTING GROUP FKA FULCRUM CONSULTING LLC PO BOX 718 OLYMPIA WA 985077518 260473592 CONSULTING WA 79311 1960520 TWINSTAR CREDIT UNION TWINSTAR COMMUNITY FOUNDATION 4501 INTELCO LOOP SE LACEY WA 98503 371768613 FOUNDATION WA 501(C)(3) LINE 7 TWINSTAR CREDIT UNION 1 CREDIT UNION SERVICES THROUGH OPERATIONS MANAGEMENT INC PO BOX 718 OLYMPIA WA 98507 911283584 COURIER SERVICES WA TWINSTAR CREDIT UNION C 2 6933 1.00000 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 TWINSTAR COMMUNITY FOUNDATION B 103000 CASH