FIRST COMMUNITY CREDIT UNION: Form 990, tax year 2020

View the entire original 990 at ProPublica ↗

Organization: FIRST COMMUNITY CREDIT UNION (EIN 93-0468003)
Tax period: 2020-01-01 to 2020-12-31
Filed: 2021-10-28
IRS object ID: 202113019349302561
Schema version: 2020v4.1
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 O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2021-10-28T16:46:24-05:00	ReturnTs
Tax Period End	2020-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	910189318	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

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

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	805 SW BROADWAY STE 1200	AddressLine1Txt
City	PORTLAND	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97205	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2020-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	930468003	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	FIRS	BusinessNameControlTxt
Phone	5413962145	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	200 N ADAMS STREET	AddressLine1Txt
City	COQUILLE	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97423	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	RENEE NELSON	PersonNm
Person Title	EVP/CFO	PersonTitleTxt
Phone	5413962145	PhoneNum
Signature	2021-10-27	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	RENEE	PersonFirstNm
Person Last	NELSON	PersonLastNm

Field	Value	IRS element (for citing)
SSN	XXX-XX-XXXX	SSN

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	WENDY CAMPOS	PreparerPersonNm
PTIN	P00448102	PTIN
Phone	5032421447	PhoneNum
Preparation	2021-10-27	PreparationDt

Additional Filer Information AdditionalFilerInformation

Trusted Customer TrustedCustomerGrp

Field	Value	IRS element (for citing)
Trusted Customer	0	TrustedCustomerCd
Authentication Assurance Level	AAL1	AuthenticationAssuranceLevelCd
Identity Assurance Level	IAL1	IdentityAssuranceLevelCd

Field	Value	IRS element (for citing)
Tax	2020	TaxYr
Build TS	2022-09-23 18:48:47Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	DAVID ELMER	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	200 N ADAMS STREET	AddressLine1Txt
City	COQUILLE	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97423	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$52,442,778	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.MYFIRSTCCU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1957	FormationYr
Legal Domicile State	OR	LegalDomicileStateCd
Activity Or Mission	TO BUILD LASTING FINANCIAL RELATIONSHIPS THROUGH PERSONALIZED BANKING.	ActivityOrMissionDesc
Voting Members Governing Body	13	VotingMembersGoverningBodyCnt
Voting Members Independent	13	VotingMembersIndependentCnt
Total Employee	377	TotalEmployeeCnt
Total Volunteers	17	TotalVolunteersCnt
Total Gross UBI	$1,762,567	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$39,486,776	PYProgramServiceRevenueAmt
CY Program Service Revenue	$46,234,584	CYProgramServiceRevenueAmt
PY Investment Income	$6,543,301	PYInvestmentIncomeAmt
CY Investment Income	$4,235,922	CYInvestmentIncomeAmt
PY Other Revenue	$2,073,516	PYOtherRevenueAmt
CY Other Revenue	$1,764,667	CYOtherRevenueAmt
PY Total Revenue	$48,103,593	PYTotalRevenueAmt
CY Total Revenue	$52,235,173	CYTotalRevenueAmt
PY Grants And Similar Paid	$4,725	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$4,100	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$21,396,716	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$23,592,998	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$13,626,682	PYOtherExpensesAmt
CY Other Expenses	$15,999,701	CYOtherExpensesAmt
PY Total Expenses	$35,028,123	PYTotalExpensesAmt
CY Total Expenses	$39,596,799	CYTotalExpensesAmt
PY Revenues Less Expenses	$13,075,470	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$12,638,374	CYRevenuesLessExpensesAmt
Total Assets BOY	$1,168,074,827	TotalAssetsBOYAmt
Total Assets EOY	$1,509,336,472	TotalAssetsEOYAmt
Total Liabilities BOY	$1,037,315,063	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$1,365,905,679	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$130,759,764	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$143,430,793	NetAssetsOrFundBalancesEOYAmt
Mission	TO BUILD LASTING FINANCIAL RELATIONSHIPS THROUGH PERSONALIZED BANKING.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	ALL ACTIVITIES OF A STATE CHARTERED CREDIT UNION, INCLUDING FUNDING AND SERVICING OF LOANS, DEPOSITS, ACH SERVICES, ATM ACCESS, ETC. SERVICES ARE PROVIDED MONDAY THROUGH FRIDAY, WITH THE EXCEPTION OF FEDERAL HOLIDAYS.	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	0	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	Yes (1)	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	935	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	377	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	13	GoverningBodyVotingMembersCnt
Independent Voting Member	13	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	0	LocalChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	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	RENEE NELSON EVPCFO	PersonNm
Phone	5413962145	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	200 N ADAMS STREET	AddressLine1Txt
City	COQUILLE	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97423	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (22 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Highest Compensated EmployeeHighestCompensatedEmployeeInd
STEVE MOHRLAND
BOARD MEMBER (CHAIRPERSON)	1.00	Yes (X)	Yes (X)	$20,000	$0	$0
SHAUN HOBACK
BOARD MEMBER (VICE-CHAIRPERSON)	1.00	Yes (X)	Yes (X)	$16,500	$0	$0
ROBIN MCALPIN
BOARD MEMBER (SECRETARY)	1.00	Yes (X)	Yes (X)	$16,500	$0	$0
LINDA FURMAN GRILE
BOARD MEMBER (TREASURER)	1.00	Yes (X)	Yes (X)	$16,500	$0	$0
ELIZABETH DAVIS
BOARD MEMBER (FORMER CHAIR)	1.00	Yes (X)	Yes (X)	$0	$0	$0
DAN GIBSON
BOARD MEMBER	1.00	Yes (X)		$16,500	$0	$0
FRANK SPROUL
BOARD MEMBER	1.00	Yes (X)		$16,500	$0	$0
BRIAN MENEFEE
BOARD MEMBER	1.00	Yes (X)		$16,500	$0	$0
DENNIS ERICKSON
BOARD MEMBER	1.00	Yes (X)		$16,500	$0	$0
GERALD PRICKETT
BOARD MEMBER	1.00	Yes (X)		$16,500	$0	$0
HALL THOMAS
BOARD MEMBER	1.00	Yes (X)		$18,500	$0	$0
JUNE CHADBOURNE
BOARD MEMBER	1.00	Yes (X)		$16,500	$0	$0
MARY-ELLEN ROBBINS
BOARD MEMBER	1.00	Yes (X)		$12,375	$0	$0
HARVEY DENNEY
BOARD MEMBER	1.00	Yes (X)		$4,125	$0	$0
DAVID ELMER
PRESIDENT/CEO/TREASURER	40.00		Yes (X)	$661,017	$0	$33,866
RENEE NELSON
EXECUTIVE VICE PRESIDENT/CFO	40.00		Yes (X)	$779,573	$0	$33,866
DENISE HILL
EXECUTIVE VICE PRESIDENT/COO	40.00		Yes (X)	$359,295	$0	$11,065
SONJA JOHNSTON
SENIOR BSA SPECIALIST	40.00			$414,375	$0	$18,011	Yes (X)
MELINDA REEVES
SVP/CREDIT ADMINISTRATION	40.00			$223,790	$0	$33,866	Yes (X)
WENDY OSGOOD
SVP/BRANCH ADMINISTRATION	40.00			$222,450	$0	$25,980	Yes (X)
KEVIN ISLEY
SVP/EBANKING & DEVELOPMENT	40.00			$221,684	$0	$33,866	Yes (X)
MIKE LEEP
SVP/FINANCE	40.00			$221,315	$0	$31,862	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$3,306,999	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$222,382	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	30	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
AUSLAND GROUP
3935 HIGHLAND AVE	GRANTS PASS	OR	97526	ARCHITECT/BUILDING	$8,320,128
HARMON CONSTRUCTION
61393 HWY 101	COOS BAY	OR	97420	BUILDING SERVICES	$1,115,770
DIEBOLD
PO BOX 643543	PITTSBURGH	PA	15264	ATM SUPPORT	$829,655
CERIUM NETWORKS
1636 W 1ST AVE	SPOKANE	WA	99201	NETWORK SUPPORT	$744,991
APPRAISAL VALET INC
10260 SW GREENBURG RD 400	PORTLAND	OR	97223	APPRAISAL SERVICES	$651,745

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	23	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
INTEREST ON LOANS	522130	$30,418,487	$30,418,487
OTHER OPERATING INCOME	522130	$15,816,097	$15,816,097

Field	Value	IRS element (for citing)
Total Program Service Revenue	$46,234,584	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$4,406,754	TotalRevenueColumnAmt
Exclusion	$4,406,754	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$2,100	RealAmt

Less Rental Expenses LessRentalExpensesGrp

Field	Value	IRS element (for citing)
Real	$0	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$2,100	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$2,100	TotalRevenueColumnAmt
Exclusion	$2,100	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$36,773	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$207,605	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	-$170,832	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$170,832	TotalRevenueColumnAmt
Exclusion	-$170,832	ExclusionAmt

Other Revenue Misc OtherRevenueMiscGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INSURANCE SALES	524126	$1,102,976	$1,102,976
INVESTMENT SERVICES	523920	$517,299	$517,299
NON-MEMBER ATM INCOME	900099	$142,292	$142,292

Field	Value	IRS element (for citing)
Other Revenue Total	$1,762,567	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$52,235,173	TotalRevenueColumnAmt
Related Or Exempt Func Income	$46,234,584	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$1,762,567	UnrelatedBusinessRevenueAmt
Exclusion	$4,238,022	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$4,100	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$2,082,182	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$17,028,363	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$402,592	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,204,553	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$2,875,308	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$36,278	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$67,500	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$787,180	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$575,158	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$6,487,410	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$1,922,290	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,742,458	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$71,743	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$79,685	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$1,680,009	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,462,165	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$115,732	TotalAmt

Other Expenses OtherExpensesGrp (3 entries)

DescDesc	TotalTotalAmt
PROVISIONS FOR LOSSES	$734,258
ASSOCIATION DUES	$130,727
REGULATORY FEES	$107,108

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$39,596,799	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$8,983,479	BOYAmt
EOY	$9,751,459	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$208,083,682	BOYAmt
EOY	$412,603,692	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$3,915	BOYAmt
EOY	-$218	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$778,522,427	BOYAmt
EOY	$799,941,359	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$1,059,847	BOYAmt
EOY	$1,493,606	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$68,067,914	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$11,806,221	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$43,562,326	BOYAmt
EOY	$56,261,693	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$93,824,003	BOYAmt
EOY	$187,745,940	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$1,400,600	BOYAmt
EOY	$1,508,257	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$8,967,063	BOYAmt
EOY	$15,608,732	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$23,667,485	BOYAmt
EOY	$24,421,952	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$1,168,074,827	BOYAmt
EOY	$1,509,336,472	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$4,987,968	BOYAmt
EOY	$5,826,590	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,032,327,095	BOYAmt
EOY	$1,360,079,089	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,037,315,063	BOYAmt
EOY	$1,365,905,679	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	$130,759,764	BOYAmt
EOY	$143,430,793	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$130,759,764	BOYAmt
EOY	$143,430,793	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$1,168,074,827	BOYAmt
EOY	$1,509,336,472	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$12,638,374	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$32,655	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
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	$6,112,522	OtherCostOrOtherBasisAmt
Book Value	$6,112,522	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$50,452,931	OtherCostOrOtherBasisAmt
Depreciation	$4,619,271	DepreciationAmt
Book Value	$45,833,660	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$8,201,597	OtherCostOrOtherBasisAmt
Depreciation	$3,986,501	DepreciationAmt
Book Value	$4,215,096	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,300,864	OtherCostOrOtherBasisAmt
Depreciation	$3,200,449	DepreciationAmt
Book Value	$100,415	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$56,261,693	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMEBER SHARES	Desc
Amt	$1,360,079,089	Amt

Field	Value	IRS element (for citing)
Total Liability	$1,360,079,089	TotalLiabilityAmt

Schedule J IRS990ScheduleJ

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

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (8 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
DAVID ELMER
PRESIDENT/CEO/TREASURER	$621,475	$0	$18,550	$0	$20,992	$0	$9,750	$0	$24,116	$0	$694,883	$0	$0	$0
RENEE NELSON
EXECUTIVE VICE PRESIDENT/CFO	$469,231	$0	$289,350	$0	$20,992	$0	$9,750	$0	$24,116	$0	$813,439	$0	$0	$0
DENISE HILL
EXECUTIVE VICE PRESIDENT/COO	$103,328	$0	$234,975	$0	$20,992	$0	$5,665	$0	$5,400	$0	$370,360	$0	$0	$0
SONJA JOHNSTON
SENIOR BSA SPECIALIST	$412,156	$0	$2,219	$0	$0	$0	$2,025	$0	$15,986	$0	$432,386	$0	$0	$0
MELINDA REEVES
SVP/CREDIT ADMINISTRATION	$205,082	$0	$18,708	$0	$0	$0	$9,750	$0	$24,116	$0	$257,656	$0	$0	$0
WENDY OSGOOD
SVP/BRANCH ADMINISTRATION	$207,207	$0	$15,243	$0	$0	$0	$9,750	$0	$16,230	$0	$248,430	$0	$0	$0
KEVIN ISLEY
SVP/EBANKING & DEVELOPMENT	$202,500	$0	$19,184	$0	$0	$0	$9,750	$0	$24,116	$0	$255,550	$0	$0	$0
MIKE LEEP
SVP/FINANCE	$201,885	$0	$19,430	$0	$0	$0	$7,746	$0	$24,116	$0	$253,177	$0	$0	$0

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (7 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	EACH PERSON WHO HAS PURCHASED A $1 SHARE AND OPENED AN ACCOUNT WITH THE ORGANIZATION IS A MEMBER.
FORM 990, PART VI, SECTION A, LINE 7A	EACH MEMBER OF THE ORGANIZATION CAN VOTE FOR THE MEMBERS OF THE BOARD OF DIRECTORS.
FORM 990, PART VI, SECTION A, LINE 7B	EACH MEMBER OF THE ORGANIZATION CAN VOTE FOR ISSUES THAT ARE BROUGHT BEFORE THE MEMBERSHIP TO BE VOTED ON.
FORM 990, PART VI, SECTION B, LINE 11B	THE FORM 990 IS PREPARED BY THE SENIOR VICE PRESIDENT FINANCE. IT IS REVIEWED BY THE CHIEF FINANCIAL OFFICER, AND IS THEN PRESENTED TO THE EXECUTIVE COMMITTEE FOR REVIEW.
FORM 990, PART VI, SECTION B, LINE 12C	THE CREDIT UNION HAS AND MAINTAINS A CONFLICT OF INTEREST POLICY. THE POLICY INCLUDES MEMBERS OF SENIOR AND EXECUTIVE MANAGEMENT AS WELL AS BOARD MEMBERS. IF A CONFLICT OF INTEREST WERE TO ARISE, IT WOULD BE REPORTED AT THE NEXT SCHEDULED BOARD MEETING. VARIOUS CONTROLS ARE IN PLACE TO HELP DETER THESE TYPES OF RELATIONSHIPS OR TRANSACTIONS AND IS MONITORED BY MANAGEMENT. THE POLICY IS REVIEWED ANNUALLY FOR ANY NECESSARY CHANGES OR UPDATES.
FORM 990, PART VI, SECTION B, LINE 15	ANNUAL REVIEWS ARE PERFORMED BY THE BOARD FOR THE CEO AT THE BEGINNING OF EACH YEAR, USING SALARY SURVEY DATA. THE PERFORMANCE FOR THE LAST YEAR IS ANALYZED AND PAY INCREASES ARE ADMINISTERED AS DEEMED NECESSARY. THE CEO DOES THE SAME ANNUAL REVIEW PROCESS WITH THE OTHER OFFICERS OF THE ORGANIZATION AND ALSO ADMINISTERS ANY BOARD APPROVED SALARY INCREASES AS WARRANTED.
FORM 990, PART VI, SECTION C, LINE 19	GOVERNING DOCUMENTS OF THE ORGANIZATION ARE AVAILABLE UPON REQUEST, AS WELL AS THE MONTHLY FINANCIAL STATEMENTS. THE FINANCIAL STATEMENTS ARE ALSO POSTED IN THE BRANCHES FOR REVIEW BY THE PUBLIC.

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp

Disregarded Entity Name DisregardedEntityName

Field	Value	IRS element (for citing)
Business Name Line1	OREGON FINANCIAL SERVICES LLC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	200 N ADAMS STREET	AddressLine1Txt
City	COQUILLE	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97423	ZIPCd

Field	Value	IRS element (for citing)
EIN	930468003	EIN
Primary Activities	INSURANCE	PrimaryActivitiesTxt
Legal Domicile State	OR	LegalDomicileStateCd
Total Income	$864,770	TotalIncomeAmt
End Of Year Assets	$57,703	EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

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