2022-11-15T13:21:16-06:00 2021-12-31 910189318 MOSS ADAMS LLP 805 SW BROADWAY STE 1200 PORTLAND OR 97205 990 2021-01-01 930492535 OREGON COMMUNITY CREDIT UNION OREG 8664557438 2880 CHAD DRIVE EUGENE OR 97408 RON NEUMANN CEO 8664557438 2022-11-15 1 RON NEUMANN XXX-XX-XXXX WENDY CAMPOS P00448102 5032421447 2022-11-15 3 AAL1 IAL1 2021 2022-09-23 18:48:47Z RON NEUMANN 2880 CHAD DRIVE EUGENE OR 97408 182371866 0 X WWW.MYOCCU.ORG X 1956 OR TO ASSIST OUR MEMBERS IN MAKING BENEFICIAL LONG-TERM FINANCIAL DECISIONS. 7 7 664 0 86918 0 0 0 115731931 107918678 8377683 74324138 0 0 124109614 182242816 594881 1072130 0 0 37401217 45360840 0 0 0 57474553 58294481 95470651 104727451 28638963 77515365 2390697692 2826121126 2181210196 2538824112 209487496 287297014 THE PURPOSE OF OREGON COMMUNITY CREDIT UNION IS TO ASSIST OUR MEMBERS IN MAKING BENEFICIAL LONG-TERM FINANCIAL DECISIONS BY PROVIDING THEM WITH COMPETITIVE DEPOSIT AND LOAN PRODUCTS. 0 0 PROMOTING THE FINANCIAL WELLBEING AND THRIFT OF 227,973 MEMBERS DURING 2021 BY PROVIDING LOAN AND SAVINGS SERVICES AT COMPETITIVE RATES. 0 0 1 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 0 0 0 0 0 0 0 0 1 0 0 1 59269 0 1 664 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 0 0 0 0 1 1 1 1 1 1 1 0 X DAVE SCHIFFER VP OF FINANCE & ANALYTICS 5416816062 2880 CHAD DRIVE EUGENE OR 97408 RONALD NEUMANN PRESIDENT & CEO 50.00 X 788410 0 52927 GREGORY SCHUMACHER CHIEF FINANCIAL & ADMINISTRATIVE OFFICER 50.00 X 355198 0 54900 RUSSELL BERNARDO CHIEF LENDING OFFICER 50.00 X 319866 0 49783 BRIAN ALFANO CHIEF OPERATIONS OFFICER 50.00 X 292742 0 40000 HEATHER BILLINGS CHIEF MARKETING OFFICER 50.00 X 278746 0 52823 TRACEY KEFFER CHIEF HUMAN RESOURCES OFFICER 50.00 X 280005 0 46420 ETHAN NELSON VP OF CREDIT ADMINISTRATION 50.00 X 233152 0 47642 MATTHEW WILSON VP OF RISK & ADMINISTRATION 50.00 X 195350 0 44520 BRIAN KILLINGSWORTH VP OF TECHNOLOGY 50.00 X 216471 0 19852 JOHN SCHIFFER VP OF FINANCE 50.00 X 209170 0 26841 DONALD ELZINGA TECHNOLOGY DEVELOPMENT MANAGER 40.00 X 190406 0 33587 CHRISTOPHER WHITTAKER VP OF INDIRECT LENDING 50.00 X 196424 0 24758 LINDSEY ROBERTS VP OF MORTGAGE LENDING 50.00 X 200591 0 19261 GARY LANIER VP OF RETAIL OPERATIONS 50.00 X 192244 0 26919 DANIEL RIPPLINGER VP OF BUSINESS SERVICES 50.00 X 198944 0 16079 KIRSTEN SIMMONS VP OF ORGANIZATIONAL DEVELOPMENT 50.00 X 179938 0 29790 GREGORY IRELAND SENIOR INFRASTRUCTURE ENGINEER 40.00 X 166230 0 21879 TERRI BAKER VP OF MEMBER SUPPORT 50.00 X 166018 0 21962 STEVEN EPLING DIRECTOR OF CREDIT SERVICES 40.00 X 160258 0 21444 CASEY FOLTZ VP OF ANALYTICS 50.00 X 158450 0 22201 CHIUHUNG SHUM SENIOR DATABASE ADMINISTRATOR 40.00 X 156752 0 20946 DAVID RENZ SENIOR DEVELOPER 40.00 X 145576 0 22705 JEANINE LOUISE JENSEN BOARD CHAIR 8.00 X X 30000 0 0 BEVERLY ANDERSON BOARD VICE CHAIR 8.00 X X 25000 0 0 JESSICA BONIN BOARD DIRECTOR 8.00 X 24250 0 0 JOHN GOGOL BOARD SECRETARY 8.00 X X 23667 0 0 WILLIAM INGE BOARD DIRECTOR 8.00 X 22333 0 0 THOMAS LARSON BOARD DIRECTOR 8.00 X 21667 0 0 GENEVIEVE PARKER BOARD DIRECTOR 8.00 X 21000 0 0 5448858 0 717239 80 0 1 0 LENDING SOLUTIONS INC 2200 POINT BOULEVARD ELGIN IL 60123 CALL CENTER OVERFLOW 1942423 ALKAMI TECHNOLOGY INC 5601 GRANITE PARKWAY 120 PLANO TX 75024 INTERNT BANKING 1849367 MCKENZIE COMMERCIAL CONTRACTORS INC 865 W SECOND AVENUE EUGENE OR 97402 CONTRACTOR 1674650 EXPERIAN 475 ANTON BOULEVARD COSTA MESA CA 92626 LOAN SERVICING 972297 COOK SOLUTIONS GROUP INC 9225 NE CASCADES PARKWAY PORTLAND OR 97220 ATM SERVICING 873615 38 INTEREST ON LOANS/VISA 522100 68838670 68838670 FEES AND CHARGES 522100 13043479 13043479 VISA/ATM INTERCHANGE I 525990 7895077 7808159 86918 CREDIT CARD INTERCHANG 525990 1628368 1628368 16513084 16513084 107918678 1294718 1294718 73158470 129050 0 -129050 73158470 73029420 73029420 182242816 107831760 86918 74324138 1072130 5259810 31069110 2180506 4070172 2781242 193735 565143 2613400 2869086 1778793 3485390 2494232 160165 57964 10625351 3258974 473433 LOAN SERVICING EXPENSE 12779499 BAD DEBT & OPERATING 10908738 PROVISION FOR LOAN LOSS 6030578 104727451 9272746 8864127 31075036 439397181 490311 590222 21178572 21605101 2193974386 2243925813 20728352 28896757 46688920 28027886 16610764 18661034 72079609 53021655 25287916 11159236 2390697692 2826121126 54336125 104302279 332449 481645 2126541622 2434040188 2181210196 2538824112 X 0 0 0 0 209487496 287297014 209487496 287297014 2390697692 2826121126 77515365 294153 0 X X 0 0 0 25000 25000 25000 1 CREDIT UNION LEGISLATIVE ACTION FUND 9730 SW NIMBUS AVE BEAVERTON OR 97005 800043051 25000 PART I-A, LINE 1: THE CREDIT UNION HAS ONLY INDIRECT POLITICAL CAMPAIGN ACTIVITY: A CONTRIBUTION TO THE CREDIT UNION LEGISLATIVE ACTION FUND. 3342575 3342575 15871689 6036324 9835365 4598205 2264346 2333859 22672882 19525661 3147221 203569 201555 2014 18661034 MEMBER SHARES & SAVINGS 2434040188 2434040188 0 ASIAN AMERICAN COUNCIL OF OREGON PO BOX 51117 EUGENE OR 97405 930955254 7500 0 GENERAL SUPPORT EUGENE AREA CHAMBER OF COMMERCE 1401 WILLAMETTE STREET EUGENE OR 97401 930163290 501(C)(6) 10000 0 GENERAL SUPPORT EUGENE MARATHON 920 LAKESIDE AVENUE S SEATTLE WA 98144 760810890 25000 0 GENERAL SUPPORT NORTHWEST CREDIT UNION FOUNDATION 18000 INTERNATIONAL BLVD STE 350 SEATAC WA 98188 911649328 501(C)(3) 16250 0 GENERAL SUPPORT OCCU FOUNDATION 2880 CHAD DRIVE EUGENE OR 97408 830566255 501(C)(3) 946791 0 GENERAL SUPPORT UNITED WAY OF LANE COUNTY 3171 GATEWAY LOOP SPRINGFIELD OR 97477 930394142 501(C)(3) 20250 0 GENERAL SUPPORT WORLDWIDE FOUNDATION OF CREDIT UNIONS 5710 MINERAL POINT ROAD MADISON WI 53705 396093210 501(C)(3) 10000 0 GENERAL SUPPORT 4 3 X X X X 0 0 0 RONALD NEUMANN PRESIDENT & CEO 593542 0 137500 0 57368 0 45600 0 7327 0 841337 0 0 0 GREGORY SCHUMACHER CHIEF FINANCIAL & ADMINISTRATIVE OFF 299512 0 27392 0 28294 0 42103 0 12797 0 410098 0 0 0 RUSSELL BERNARDO CHIEF LENDING OFFICER 254650 0 48432 0 16784 0 35905 0 13878 0 369649 0 0 0 BRIAN ALFANO CHIEF OPERATIONS OFFICER 263303 0 22681 0 6758 0 26100 0 13900 0 332742 0 0 0 HEATHER BILLINGS CHIEF MARKETING OFFICER 230737 0 14479 0 33530 0 42998 0 9825 0 331569 0 0 0 TRACEY KEFFER CHIEF HUMAN RESOURCES OFFICER 236251 0 24484 0 19270 0 37082 0 9338 0 326425 0 0 0 ETHAN NELSON VP OF CREDIT ADMINISTRATION 194181 0 23572 0 15399 0 40416 0 7226 0 280794 0 0 0 MATTHEW WILSON VP OF RISK & ADMINISTRATION 171482 0 14272 0 9596 0 27809 0 16711 0 239870 0 0 0 BRIAN KILLINGSWORTH VP OF TECHNOLOGY 200160 0 14913 0 1398 0 19402 0 450 0 236323 0 0 0 JOHN SCHIFFER VP OF FINANCE 182043 0 22064 0 5063 0 18740 0 8101 0 236011 0 0 0 DONALD ELZINGA TECHNOLOGY DEVELOPMENT MANAGER 170350 0 12279 0 7777 0 16923 0 16664 0 223993 0 0 0 CHRISTOPHER WHITTAKER VP OF INDIRECT LENDING 171409 0 23656 0 1359 0 17623 0 7135 0 221182 0 0 0 LINDSEY ROBERTS VP OF MORTGAGE LENDING 175487 0 24034 0 1070 0 18015 0 1246 0 219852 0 0 0 GARY LANIER VP OF RETAIL OPERATIONS 175801 0 10818 0 5625 0 17162 0 9757 0 219163 0 0 0 DANIEL RIPPLINGER VP OF BUSINESS SERVICES 182995 0 14762 0 1187 0 8923 0 7156 0 215023 0 0 0 KIRSTEN SIMMONS VP OF ORGANIZATIONAL DEVELOPMENT 166647 0 12458 0 833 0 16162 0 13628 0 209728 0 0 0 GREGORY IRELAND SENIOR INFRASTRUCTURE ENGINEER 152791 0 11591 0 1848 0 14835 0 7044 0 188109 0 0 0 TERRI BAKER VP OF MEMBER SUPPORT 151414 0 11819 0 2785 0 14865 0 7097 0 187980 0 0 0 STEVEN EPLING DIRECTOR OF CREDIT SERVICES 146818 0 12691 0 749 0 14394 0 7050 0 181702 0 0 0 CASEY FOLTZ VP OF ANALYTICS 146271 0 11488 0 691 0 14234 0 7967 0 180651 0 0 0 CHIUHUNG SHUM SENIOR DATABASE ADMINISTRATOR 144053 0 10233 0 2466 0 13945 0 7001 0 177698 0 0 0 DAVID RENZ SENIOR DEVELOPER 134822 0 9791 0 963 0 13047 0 9658 0 168281 0 0 0 JERRY LIUDAHL RETIRED CHIEF CREDIT OFFICER SPLIT DOLLAR LIFE INSURANCE X 1387993 1525513 0 1 1 RONALD NEUMANN CHIEF EXECUTIVE OFFICER SPLIT DOLLAR LIFE INSURANCE X 13295352 14443999 0 1 1 GREGORY SCHUMACHER CHIEF FINANCIAL & ADMINISTRATIVE OFFICER SPLIT DOLLAR LIFE INSURANCE X 5516080 5635589 0 1 1 21605101 FORM 990, PART VI, SECTION A, LINE 6 ANY INDIVIDUAL WITH AN ACCOUNT AT THE CREDIT UNION IS CONSIDERED A MEMBER. FORM 990, PART VI, SECTION A, LINE 7A EACH PRIMARY MEMBER OF THE CREDIT UNION IS GIVEN ONE VOTE AND IS ABLE TO ELECT MEMBERS OF THE GOVERNING BODY. FORM 990, PART VI, SECTION A, LINE 7B MAJOR DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL BY MEMBERS, HOWEVER, DAY TO DAY DECISIONS ARE NOT SUBJECT TO MEMBER APPROVAL. FORM 990, PART VI, SECTION A, LINE 8B THE ORGANIZATION DOES NOT HAVE ANY COMMITTEES WITH THE AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11B A COPY OF FORM 990 IS PROVIDED TO THE ORGANIZATION FOR REVIEW PRIOR TO FILING; THE CEO AND CFO/CAO OF THE ORGANIZATION REVIEW THE FORM 990. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION HAS A CONFLICT OF INTEREST POLICY IN PLACE FOR BOTH THE COMPANY AND BOARD. EXPECTATIONS ARE CLEAR AT THE SENIOR MANAGEMENT LEVEL AND ARE COMMUNICATED DOWNWARD. THE ORGANIZATION HAS TRACKING PROCEDURES IN PLACE FOR POSSIBLE AND CONFIRMED CONFLICTS OF INTEREST. IF A CONFLICT OF INTEREST IS DETERMINED TO EXIST INVOLVING A BOARD MEMBER, THAT MEMBER WOULD BE REQUIRED TO ABSTAIN FROM VOTING ON THE ISSUE. FORM 990, PART VI, SECTION B, LINE 15 TOTAL COMPENSATION, INCLUDING BASE PAY, INCENTIVES AND OTHER BENEFITS, IS COMPARED AGAINST BALANCE COMP, CUES EXECUTIVE COMPENSATION PROGRAM, MILLIMAN NW FINANCIAL INDUSTRY SURVEY RESULTS AND OTHER EXECUTIVE PUBLICATIONS/REPORTS. CEO COMPENSATION IS REVIEWED BY THE BOARD PERSONNEL COMMITTEE AND APPROVED BY THE FULL BOARD. COMPENSATION AMOUNTS ARE TRACKED FOR FUTURE REFERENCE. THE LAST FORMAL COMPENSATION COMPARISON REVIEW BY THE ORGANIZATION WAS PERFORMED IN 2021. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION'S FINANCIAL STATEMENTS ARE POSTED ONLINE AND IN CREDIT UNION BRANCHES AND ARE AVAILABLE UPON REQUEST. GOVERNING DOCUMENTS ARE AVAILABLE TO MEMBERS UPON REQUEST. FORM 990, PART XII, LINE 2: THE CREDIT UNION IS GOVERNED BY THE NATIONAL CREDIT UNION ADMINISTRATION (NCUA). AS SUCH, REGULATORS REVIEW THE FINANCIAL TRANSACTIONS OF THE CREDIT UNION ON A CONSISTENT BASIS. IN ADDITION, THE CREDIT UNION MAINTAINS A SUPERVISORY COMMITTEE TO OVERSEE THE PERFORMANCE OF AN ANNUAL AUDIT OF THE STATMENTS OF FINANCIAL CONDITION. THESE AUDITED STATEMENTS OF FINANCIAL CONDITION ARE PREPARED ON A SEPTEMBER 30TH YEAR END. OCCU FOUNDATION 2880 CHAD DRIVE EUGENE OR 97408 830566255 PHILANTHROPIC EDUCATION AND CHARITABLE ACTIVITIES OR 501(C)(3) LINE 7 N/A 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0