2021-11-15T11:46:27-06:00 2020-12-31 910189318 MOSS ADAMS LLP 6565 AMERICAS PARKWAY NE STE 600 ALBUQUERQUE NM 87110 990 2020-01-01 840470451 ENT CREDIT UNION ENTC 7195741100 11550 ENT PARKWAY COLORADO SPRINGS CO 80921 CHAD GRAVES PRESIDENT/CEO 7195741100 2021-11-11 1 CHAD GRAVES 999009999 PAMELA ALEXANDERSON P01218925 5058787200 2021-11-11 2 AAL1 IAL1 2020 2022-09-23 18:48:47Z X CHAD GRAVES 11550 ENT PARKWAY COLORADO SPRINGS CO 80921 474470074 0 X ENT.COM X 1991 CO THE MISSION OF ENT CREDIT UNION IS TO IMPROVE MEMBERS' QUALITY OF LIFE THROUGH EDUCATION, UNBIASED FINANCIAL ADVICE, AND ACCESS TO THE HIGHEST QUALITY FINANCIAL PRODUCTS AND SERVICES. 9 0 1367 4 1233702 0 0 0 250338468 262854803 15704412 6663401 19528663 16072268 285571543 285590472 2778939 1967442 0 0 86233924 112721570 0 0 0 127140602 139244661 216153465 253933673 69418078 31656799 6685914011 7489436406 5891682848 6658854067 794231163 830582339 THE MISSION OF ENT CREDIT UNION IS TO IMPROVE MEMBERS' QUALITY OF LIFE THROUGH EDUCATION, UNBIASED FINANCIAL ADVICE, AND ACCESS TO THE HIGHEST QUALITY FINANCIAL PRODUCTS AND SERVICES. 0 0 ENT CREDIT UNION SERVES ADAMS, ARAPAHOE, BOULDER, BROOMFIELD, DENVER, DOUGLAS, ELBERT, EL PASO, FREMONT, JEFFERSON, LARIMAR, PUEBLO, TELLER AND WELD COUNTIES. THE CREDIT UNION IMPROVES OUR MEMBERS' QUALITY OF LIFE BY OFFERING A FULL ARRAY OF PRODUCTS AND SERVICES, INCLUDING DEPOSITORY AND LOAN PRODUCTS, ATM/DEBIT PROGRAM, FINANCIAL EDUCATION, INSURANCE, AND INVESTMENT SALES. WE ENDED THE YEAR WITH 410,606 MEMBERS. THERE WERE 94,421 LOANS GRANTED TOTALING $3,525,108,505. ENT CREDIT UNION CURRENT OFFERS 40 BRANCH LOCATIONS WITH A WIDE ARRAY OF REMOTE OPTIONS THROUGH OUR COOPERATION WITH THE COOP ATM NETWORK, SHARED BRANCH NETWORK, AND ONLINE/MOBILE BANKING SOLUTIONS. 0 0 0 0 0 0 0 1 0 1 0 0 1 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 0 0 0 1 216147 0 1 1367 1 1 1 0 0 0 0 0 1 0 X 9 0 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 1 0 X CHAD GRAVES 7195741100 11550 ENT PARKWAY COLORADO SPRINGS CO 80921 MARTINEZ RON CFA / CHAIRMAN 1.00 X 56332 0 0 AYEN WILLIAM BOARD TREASURER 1.00 X 46831 0 0 NICHOLSON PAM VICE CHAIRMAN 1.00 X 46111 0 0 VADALA CHRIS BOARD SECRETARY 1.00 X 42500 0 0 CHANDLER DEBBIE BOARD MEMBER 1.00 X 42942 0 0 GLOVER WALTER BOARD MEMBER 1.00 X 38150 0 0 KALLETTA RICHARD BOARD MEMBER 1.00 X 40605 0 0 VAUGHAN MEREDITH BOARD MEMBER 1.00 X 39404 0 0 DRUMMER TIM BOARD MEMBER 1.00 X 39535 0 0 GRAVES CHAD M PRESIDENT / CEO 40.00 X 1228297 0 55484 COON MARY J CHIEF FINANCIAL OFFICER 40.00 X 714095 0 47770 VOGENEY WILLIAM D CHIEF REVENUE OFFICER 40.00 X 709986 0 51740 GENDRON MATTHEW J CHIEF ENGAGEMENT OFFICER 40.00 X 908283 0 52052 PAUKOVICH JON A CHIEF LENDING OFFICER 40.00 X 510641 0 33028 SCHOLES RICHARD A CHIEF EXPERIENCE OFFICER 40.00 X 799072 0 35984 MARSHALL CHRISTOPHER J CHIEF TECHNOLOGY OFFICER 40.00 X 704954 0 46697 BELL MOLLIE B CHIEF DEVELOPMENT OFFICER 40.00 X 691241 0 24801 KELLNER ROBERT C CHIEF RISK OFFICER 40.00 X 326163 0 27685 FLANAGAN SHARIE K SVP HUMAN RESOURCES 40.00 X 634502 0 48290 SUSSMAN JENNIFER S CHIEF MARKETING OFFICER 40.00 X 490169 0 16241 DOMBROWSKI STEPHANIE S MGR-PRODUCING MLO 40.00 X 1503690 0 32368 STANGE SHIRLEY D MLO 40.00 X 662423 0 28699 BENEDETTI BRETT M MGR-PRODUCING MLO 40.00 X 690591 0 30277 GREENWOOD MARY A MGR-PRODUCING MLO 40.00 X 641978 0 26715 ALLMAN GINA L MLO 40.00 X 766687 0 31948 SCHNEIDER CLINTON C FORMER CHIEF RISK OFFICER (11/1/19) 40.00 X 331189 0 0 12706371 0 589779 224 1 1 0 SYNERGY APPRAISAL SERVICES 6551 S REVERE PKWY SUITE 270 CENTENNIAL CO 80111 APPRAISALS FOR HOME EQUITY AND MORTGAGE 2520700 KEYS & LAURER ARCHITECTS 11681 VOYAGER PKWY COLORADO SPRINGS CO 80921 ARCHITECTURAL PLANNING AND DESIGN 1940629 RIGHTPOINT CONSULTING LLC 29 N WACKER DRIVE 4TH FLOOR CHICAGO IL 60606 CONSULTING 1053787 DAVIS PARTNERSHIP ARCHITECTS 2901 BLAKE ST 100 DENVER CO 80205 ARCHITECTS FOR EXTERIOR BUILD - HQ 514852 EDWARD M MCCORD PC 985 PICO POINT COLORADO SPRINGS CO 80905 LEGAL SERVICES 176584 8 INTEREST ON LOANS 522100 209988894 209988894 FEES/CHARGE/OTHER 522100 52865909 52865909 262854803 6948022 6948022 428131 428131 63859 0 63859 63859 63859 188594981 188750527 129075 -155546 -129075 -284621 -284621 GAIN ON SALE OF LOANS 522100 13788468 13788468 NON-MEMBER ATM 900099 621236 621236 NON-OPERATING INCOME 900099 558108 558108 612466 612466 15580278 285590472 284356770 1233702 0 1967442 8880775 73633007 9156633 14716712 6334443 455989 232606 127736 5130108 13713935 12481396 9255148 6855061 426153 41460793 6748025 515963 PROVISION FOR LOAN LOSS 16668980 DEBIT CARD SERVICES 9078596 LOAN SERVICING EXPENSE 8432670 TRAINING 412428 7249074 253933673 33169839 35329046 225246128 411472427 3324351 5811536 4862776132 5871958263 7595980 7336319 270504683 41716544 121043048 228788139 712981426 512626261 26357600 10976500 9333333 9000000 684086174 396137915 6685914011 7489436406 106339599 178261524 28115276 33861089 583475243 77289968 5173752730 6369441486 5891682848 6658854067 X 0 0 0 0 794231163 830582339 794231163 830582339 6685914011 7489436406 X 31656799 4343661 350716 X 0 1 X 1 0 1 1 X 30244352 30244352 191245767 17806390 173439377 7103138 4173104 2930034 41911426 19737050 22174376 228788139 ACCRUED INTEREST ON LOANS 15116344 ACCRUED INTEREST ON INVESTMENTS 629858 NCUSIF 53824991 CUSO INVESTMENT 3889288 LOANS HELD FOR SALE 169781718 LOAN SERVICE RIGHTS 7027752 DERIVATIVES 40540182 DEFERRED COMPENSATION 625483 REPURCHASE AGREEMENTS 100000000 OTHER 4702299 396137915 SHARE DRAFT 1466527255 SHARES 1666700677 MONEY MARKET 2085777901 IRA 57480752 CD 1092954901 6369441486 X PART IV, LINE 1B: ENT CREDIT UNION SERVICES LOANS FOR THIRD-PARTY ENTITIES THAT ARE NOT SHOWN ON FORM 990, PART X. THE LOANS ARE SERVICED FOR THE FEDERAL NATIONAL MORTGAGE ASSOCIATION (FNMA); THE FEDERAL HOME LOAN BANK (FHLB); AND THE GOVERNMENT NATIONAL MORTGAGE ASSOCIATION (GNMA). PART IV, LINE 2B: AN ESCROW ACCOUNT IS MAINTAINED FOR THE TAXES AND INSURANCE PAYABLE ON THE REAL ESTATE SECURING THE CREDIT UNION'S MORTGAGE LOANS. THE ESCROWS MAINTAINED AT THE CREDIT UNION FOR TAXES AND INSURANCE PAYABLE INCLUDE LOANS TO THE FEDERAL NATIONAL MORTGAGE ASSOCIATION (FNMA), THE FEDERAL HOME LOAN BANK (FHLB), AND THE GOVERNMENT NATIONAL MORTGAGE ASSOCIATION (GNMA) FOR WHICH ENT CREDIT UNION RETAINS SERVICING. PART X, LINE 2: THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL AND STATE INCOME TAXES; HOWEVER, THE CREDIT UNION'S WHOLLY OWNED CUSO IS SUBJECT TO FEDERAL AND STATE INCOME TAXES. THE INCOME TAXES TOPIC OF THE FINANCIAL ACCOUNTING STANDARDS BOARD (FASB) ACCOUNTING STANDARDS CODIFICATION (ASC) CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE CONSOLIDATED FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE "MORE LIKELY THAN NOT" STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN THE INTERNAL REVENUE CODE (IRC) SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (UBI) DERIVED BY STATE-CHARTERED CREDIT UNIONS. UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNION'S ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING CONSOLIDATED FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. 1 A PRECIOUS CHILD 7051 W 118TH AVE BROOMFIELD CO 80020 263349334 501(C)(3) 7500 YES GRANT NORTH REGION ANGELS OF AMERICA'S FALLEN 10010 DEVONWOOD CT COLORADO SPRINGS CO 80920 455029479 501(C)(3) 10500 2021 ANGEL GALA SUPPORT/2020 ANGEL GOLF TOURNAMENT BUCKLEY AFB - 460TH FORCE SUPPORT SQUADRON 18175 EAST A-BASIN AVE BUCKLEY AFB CO 80011 115 7000 460TH FORCE SUPPORT SQUADRON 2020 EVENTS/COLONEL PEPPER'S "BUCKLEY TEAM CONNECTS" CARE AND SHARE 2605 PREAMBLE POINT COLORADO SPRINGS CO 80915 840731930 501(C)(3) 105975 COVID RELIEF/YES GRANT SOUTH REGION/DONATION PROGRAM SUPPORT/HEART FORWARD CAMPAIGN CAREERS IN CONSTRUCTION COLORADO 4585 HILTON PARKWAY SUITE 100 COLORADO SPRINGS CO 80907 833196106 501(C)(3) 10000 PROGRAM SUPPORT CASA OF ADAMS & BROOMFIELD 11860 PECOS STREET WESTMINSTER CO 80234 311657019 501(C)(3) 7500 YES GRANT NORTH REGION CASA OF PUEBLO 130 W ABRIENDO AVE PUEBLO CO 81004 043630442 501(C)(3) 7000 YES GRANT SOUTH REGION/2021 COMMUNITY OUTREACH EVENTS CASTLE ROCK CHAMBER OF COMMERCE 420 JERRY STREET CASTLE ROCK CO 80104 840802658 501(C)(6) 15500 CHAIRMAN CIRCLE & WINEFEST SPONSORSHIP CATHOLIC CHARITIES 228 N CASCADE AVE COLORADO SPRINGS CO 80903 840586169 501(C)(3) 7780 2021 PROGRAM SUPPORT/HEART FORWARD CAMPAIGN CHILDREN'S HOSPITAL COLORADO FOUNDATION 111 S TEJON STREET COLORADO SPRINGS CO 80903 840813462 501(C)(3) 500000 DONATION/SUPPORT COLORADO CENTER FOR THE BLIND 2233 W SHEPPARD AVENUE LITTLETON CO 80120 742465141 501(C)(3) 7500 YES GRANT NORTH REGION COMMUNITY PARTNERSHIP FOR CHILD DEVELOPMENT 2330 ROBINSON STREET COLORADO SPRINGS CO 80904 841071825 501(C)(3) 7500 YES GRANT PIKES PEAK SOUTH CENTRAL REGION/2020 COMMUNITY GIVING EVENT DENVER DUMB FRIENDS LEAGUE 2080 S QUEBEC STREET DENVER CO 80231 840405254 501(C)(3) 5400 YES GRANT NORTH REGION/HEART FORWARD CAMPAIGN DENVER RESCUE MISSION PO BOX 5206 DENVER CO 80217 846038762 501(C)(3) 5400 TWO MONTHS MEAL SERVICE TO HELP FT. COLLINS BLUE SPRUCE SHELTER/HEART FORWARD CAMPAIGN DISCOVER GOODWILL FOUNDATION 1460 GARDEN OF THE GODS ROAD COLORADO SPRINGS CO 80907 840513404 501(C)(3) 20000 ANNUAL LUNCHEON, GOODWILL WELCOME YOU HOME RAISE THE PADDLE, AEW ON THE PATIO DOWNTOWN DENVER EVENTS INC 1515 ARAPAHOE ST TOWER 3 STE 100 DENVER CO 80202 201168758 501(C)(3) 85000 DENVER PARADE OF LIGHTS - EVENT SPONSOR FRONT RANGE COMMUNITY COLLEGE FOUNDATION 3645 WEST 112TH AVE WESTMINSTER CO 80031 841311148 501(C)(3) 25000 2020 KICK START SCHOLARSHIPS FOR FRONT RANGE GIVE CAMPAIGN 235 S NEVADA AVENUE COLORADO SPRINGS CO 80903 812029897 501(C)(3) 6500 INSPIRED LEARNING CATEGORY HARVEST MOUNTAIN MINISTRIES 11505 W TEXAS AVE LAKEWOOD CO 80232 465313137 501(C)(3) 7500 YES GRANT NORTH REGION HOPEKIDS INC PO BOX 7073 DENVER CO 80207 861042378 501(C)(3) 10000 YES GRANT COLORADO WIDE REGION JEFFCO ACTION CENTER INC 8755 W 14TH AVENUE LAKEWOOD CO 80215 237019679 501(C)(3) 7500 YES GRANT NORTH REGION KIDPOWER OF COLORADO INC 10 BOULDER CRESCENT STE 100 COLORADO SPRINGS CO 80903 271018895 501(C)(3) 7500 YES GRANT PIKES PEAK SOUTH CENTRAL REGION KIDS MOBILITY NETWORK 7390 S FRASER STREET UNIT A CENTENNIAL CO 80112 203830020 501(C)(3) 10000 YES GRANT COLORADO WIDE REGION MAKE A WISH FOUNDATION OF COLORADO INC 7951 E MAPLEWOOD AVE GREENWOOD VILLAGE CO 80111 742273004 501(C)(3) 10050 WISH GRANTING PROGRAM ACROSS FRONT RANGE/HEART FORWARD CAMPAIGN MARIAN HOUSE 14 W BIJOU STREET COLORADO SPRINGS CO 80903 840586169 501(C)(3) 6025 2020 HEART FORWARD MATCH CAMPAIGN MILE HIGH UNITED WAY HELP COLORADO NOW COVID RELIEF FUND 711 PARK AVENUE WEST DENVER CO 80205 840404235 501(C)(3) 100000 COVID RELIEF FUND MOUNTAIN WEST CREDIT UNION ASSOCIATION 2020 N CENTRAL AVENUE STE 530 PHOENIX AZ 85004 742232424 501(C)(3) 20000 GALA DIAMOND SPONSORSHIP NASCU 1655 N FT MYER DRIVE SUITE 650 ARLINGTON VA 22209 541167527 501(C)(3) 15000 CREDIT UNION DONATION PENROSE ST FRANCIS FOUNDATION 2222 N NEVADA AVENUE COLORADO SPRINGS CO 80907 840902211 501(C)(3) 75000 PAYMENT 1 OF 3 GUEST HOUSE AT ST. FRANCIS PETERSON AFB - 21ST FORCE SUPPORT SQUADRON 125 E STEWART AVE PETERSON AFB CO 80914 840617273 115 12550 2020 EVENTS SPONSOR/2020 ADULT BOWLING LEAGUE/JUNIOR GOLF SPONSOR/SILVER SPRUCE TOURNAMENT PIKES PEAK COMMUNITY FOUNDATION 102 S TEJON STREET STE 530 COLORADO SPRINGS CO 80903 841339670 501(C)(3) 306000 ENT DONOR FUND PIKES PEAK UNITED WAY 518 N NEVADA AVE COLORADO SPRINGS CO 80903 840511799 501(C)(3) 72580 211 PROGRAM/PROCEEDS FROM HEART FORWARD CAMPAIGN/2020 COMMUNITY LUNCHEON POLICE FOUNDATION OF COLORADO SPRINGS 10 LAKE CIRCLE COLORADO SPRINGS CO 80906 270926740 501(C)(3) 12500 2020 MEDAL OF VALOR PUEBLO POLICE DEPARTMENT 200 SOUTH MAIN STREET PUEBLO CO 81003 846000615 115 7500 AWARDS BANQUET RESTORE INNOCENCE PO BOX 50495 COLORADO SPRINGS CO 80949 274129360 501(C)(3) 7500 YES GRANT PIKES PEAK SOUTH CENTRAL REGION ROCKY MOUNTAIN CHILDREN'S LAW CENTER 1325 SOUTH COLORADO BLVD SUITE 701 DENVER CO 80222 742406045 501(C)(3) 10000 YES GRANT COLORADO WIDE REGION ROCKY MOUNTAIN PUBLIC MEDIA (PBS) 2101 ARAPAHOE ST DENVER CO 80205 840510785 501(C)(3) 30000 CORPORATE FOUNDATION PARTNERSHIP / COLORADO CLASSROOM/SIMPLE GIFT SERIES SCHRIEVER AFB - 50TH FORCE SUPPORT SQUADRON 210 FALCON PARKEWAY SUITE 2109 SCHRIEVER AFB CO 80912 841096666 115 7375 SPONSORSHIP AGREEMENT SNOFEST/2020 EVENTS SPONSOR SILVER KEY 1625 S MURRAY BLVD COLORADO SPRINGS CO 80916 237109922 501(C)(3) 6500 50TH ANNIVERSARY GALA SPECIAL OLYMPICS 12450 E ARAPAHOE ROAD SUITE C CENTENNIAL CO 80112 840713739 501(C)(3) 15300 2021 ATHLETE LEADERSHIP PROGRAM UNIVERSITY/HEART FORWARD CAMPAIGN SPRINGS RESCUE MISSION 5 W LAS VEGAS STREET COLORADO SPRINGS CO 80903 841340824 501(C)(3) 77000 PAYMENT 2 OF 3 CAPITAL CAMPAIGN/HEART FORWARD CAMPAIGN SWEET DREAM IN A BAG INC 886 E COSTILLA WAY CENTENNIAL CO 80122 452029409 501(C)(3) 10000 YES GRANT NORTH REGION/YES GRANT SOUTH REGION TESSA 435 GOLD PASS HEIGHTS COLORADO SPRINGS CO 80906 840746803 501(C)(3) 5416 YES GRANT PIKES PEAK SOUTH CENTRAL REGION/HEART FORWARD CAMPAIGN THE NATIONAL CREDIT UNION FOUNDATION 5710 MINERAL POINT ROAD MADISON WI 53705 391383650 501(C)(3) 25000 2020 IMPACT RENEWAL THE PLACE (FORMERLY URBAN PEAK) 423 EAST CUCHARRAS STREET COLORADO SPRINGS CO 80903 841549702 501(C)(3) 6000 YES GRANT PIKES PEAK SOUTH CENTRAL REGION/HEART FORWARD CAMPAIGN THERE WITH CARE 2825 WILDERNESS PLACE SUITE 100 BOULDER CO 80301 680606330 501(C)(3) 7500 YES GRANT NORTH REGION/A RED CARPET ADVENTURE UNITED WAY LARIMER COUNTY 525 WEST OAK STREET SUITE 101 FORT COLLINS CO 80521 846031503 501(C)(3) 15000 SPONSORSHIP UNIVERSITY OF COLORADO FOUNDATION 1420 AUSTIN BLUFFS PARKWAY COLORADO SPRINGS CO 80918 846000555 501(C)(3) 146591 AGREEMENT 2016 -2031 COLORADO SPRINGS 47 1 PART I, LINE 2: ENT TRACKS ALL GRANTS VIA AN EXCEL SPREADSHEET MANAGED BY OUR ADMINISTRATIVE DEPARTMENT. THIS IS UPDATED BIMONTHLY. ENT MAKES CONTRIBUTIONS TO ORGANIZATIONS, AGENCIES AND ACTIVITIES SERVING THE FOLLOWING PURPOSES: EDUCATION, HEALTH, HUMAN SERVICES, COMMUNITY (INCLUDING CULTURAL) DEVELOPMENT, ECONOMIC DEVELOPMENT AND MILITARY RECOGNITION AND MORALE. ALL CONTRIBUTIONS ARE TO ORGANIZATIONS HERE IN THE COMMUNITIES WE SERVE. X X X 1 1 X X X X 0 1 0 DOMBROWSKI STEPHANIE S MGR-PRODUCING MLO 72771 0 1426213 0 4706 0 25650 0 6718 0 1536058 0 0 0 GRAVES CHAD M PRESIDENT / CEO 685820 0 228818 0 313659 0 45150 0 10334 0 1283781 0 0 0 GENDRON MATTHEW J CHIEF ENGAGEMENT OFFICER 422545 0 140211 0 345527 0 45150 0 6902 0 960335 0 0 0 SCHOLES RICHARD A CHIEF EXPERIENCE OFFICER 419113 0 140211 0 239748 0 25650 0 10334 0 835056 0 0 0 ALLMAN GINA L MLO 64730 0 697591 0 4366 0 25650 0 6298 0 798635 0 0 0 COON MARY J CHIEF FINANCIAL OFFICER 399741 0 132024 0 182330 0 45150 0 2620 0 761865 0 0 0 VOGENEY WILLIAM D CHIEF REVENUE OFFICER 412092 0 136696 0 161198 0 45150 0 6590 0 761726 0 0 0 MARSHALL CHRISTOPHER J CHIEF TECHNOLOGY OFFICER 346262 0 115264 0 243428 0 40385 0 6312 0 751651 0 0 0 BENEDETTI BRETT M MGR-PRODUCING MLO 117691 0 567831 0 5069 0 25650 0 4627 0 720868 0 0 0 BELL MOLLIE B CHIEF DEVELOPMENT OFFICER 426701 0 138390 0 126150 0 18831 0 5970 0 716042 0 0 0 STANGE SHIRLEY D MLO 49285 0 609059 0 4079 0 22541 0 6158 0 691122 0 0 0 FLANAGAN SHARIE K SVP HUMAN RESOURCES 315473 0 105456 0 213573 0 45150 0 3140 0 682792 0 0 0 GREENWOOD MARY A MGR-PRODUCING MLO 54042 0 583090 0 4846 0 20826 0 5889 0 668693 0 0 0 PAUKOVICH JON A CHIEF LENDING OFFICER 307144 0 99896 0 103601 0 25650 0 7378 0 543669 0 0 0 SUSSMAN JENNIFER S CHIEF MARKETING OFFICER 311669 0 83976 0 94524 0 7525 0 8716 0 506410 0 0 0 KELLNER ROBERT C CHIEF RISK OFFICER 265656 0 0 0 60507 0 19879 0 7806 0 353848 0 0 0 SCHNEIDER CLINTON C FORMER CHIEF RISK OFFICER (11/1/19) 259615 0 71574 0 0 0 0 0 0 0 331189 0 0 0 PART I, LINE 1A BOARD MEMBERS ARE PROVIDED A TRAVEL AND TRAINING BUDGET. THESE FUNDS ARE USED AS EACH BOARD MEMBER DECIDED WHICH TRAINING TO ATTEND. SPOUSE/GUEST TRAVEL EXPENSES COME OUT OF THIS BUDGET. EACH YEAR, SPOUSE/GUEST TRAVEL IS REPORTED AS INCOME ON FORM 1099-MISC. THE AMOUNT OF INCREASED TAX LIABILITY FROM THOSE PAYMENTS IS PAID TO THE BOARD MEMBER AS REIMBURSEMENT FOR THE INCREASED TAX LIABILITY. THE AMOUNT OF THAT PAYMENT IS THEN REPORTED AS INCOME ON THE 1099-MISC FOR THE TAX YEAR IN WHICH IT IS PAID. PART I, LINE 4B THE CREDIT UNION MAINTAINS THREE DEFERRED COMPENSATION PLANS COVERING CERTAIN MEMBERS OF MANAGEMENT. DURING 2020, THE FOLLOWING BENEFITS WERE ACCRUED: CHAD A. GRAVES - 457(F): $317,549.88 JON A. PAUKOVICH - 457(F): $68,892.18 RICHARD A. SCHOLES - 457(F): $42,210.49 MOLLIE B. BELL - 457(F): $42,660.28 JENIFER SUSSMAN - 457(F): $93,921.36 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION HAS MEMBERS AND THE FIELD OF MEMBERSHIP OF THIS CREDIT UNION SHALL BE LIMITED TO THOSE HAVING THE FOLLOWING COMMON BOND: A. PERSONS WHO LIVE, WORK, WORSHIP WITHIN ADAMS, ARAPAHOE, BOULDER, BROOMFIELD, DENVER, DOUGLAS, ELBERT, EL PASO, FREMONT, JEFFERSON, LARIMER, PUEBLO, TELLER AND WELD COUNTIES, COLORADO; B. MEMBERS OF RECORD OF THIS CREDIT UNION AS OF THE DATE OF ITS CONVERSION TO A COMMUNITY CHARTER; C. EMPLOYEES OF THIS CREDIT UNION; D. MEMBERS OF THEIR IMMEDIATE FAMILIES OR HOUSEHOLDS; AND E. ORGANIZATIONS OF SUCH PERSONS. F. AS A RESULT OF MERGERS: FORMER MEMBERS OF MOUNTAIN BELL CREDIT UNION, BUCKLEY FEDERAL CREDIT UNION, FIRST CHARTER FEDERAL CREDIT UNION, DECIBEL COMMUNITY CREDIT UNION, AND US ALLIANCE FEDERAL CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 7A OUR 410,606 MEMBERS EACH ARE ALLOWED ONE VOTE DURING EACH BOARD ELECTION. 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, SUCH AS CERTAIN MERGER OPPORTUNITIES AND POTENTIAL CHARTER CONVERSIONS. FORM 990, PART VI, SECTION B, LINE 11B THE 990 IS PREPARED BY AN OUTSIDE ACCOUNTING FIRM HIRED FOR SUCH PURPOSE. DATA AND OTHER INFORMATION IS SUPPLIED TO THAT FIRM TO USE IN PREPARATION OF THE DOCUMENT. A COPY OF FORM 990 WILL BE PROVIDED TO THE BOARD OF DIRECTORS FOR REVIEW AFTER FILING. FORM 990, PART VI, SECTION B, LINE 12C THE INTERNAL AUDIT DEPARTMENT PERFORMS ANNUAL TESTING ON EMPLOYEE AND OFFICIAL ACCOUNTS FOR RATES, TERMS & CONDITIONS CONSISTENT WITH WHAT WOULD BE OFFERED TO THE GENERAL MEMBERSHIP OUTSIDE OF THE ALLOWED EMPLOYEE DISCOUNT. ANNUALLY A BOARD MONITORING REPORT IS COMPLETE TO ATTEST FOR PURCHASES WHERE NORMALLY PRUDENT PROTECTIONS HAVE BEEN BEEN GIVEN AGAINST CONFLICT OF INTEREST. THIS WAS LAST COMPLETED IN 2020. FORM 990, PART VI, SECTION B, LINE 15 ENT CREDIT UNION PARTICIPATES IN MULTIPLE, PERIODIC (TYPICALLY ANNUAL) INDUSTRY SALARY SURVEYS, FOR ALL LEVELS OF THE ORGANIZATION, IN ORDER TO ASSESS MARKET PAY PRACTICES AND PROVIDE SUPPORTING DATA FOR INTERNAL RECOMMENDATIONS AND DECISIONS REGARDING PAY STRUCTURES AND INCREASES BASED ON STRATEGIC GOALS AND INITIATIVES. THE LAST COMPENSATION REVIEW WAS DONE IN 2020. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION'S GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNION'S CONFLICT OF INTEREST POLICY IS NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNION'S FINANCIAL STATEMENTS ARE AVAILABLE FOR PUBLIC VIEWING ON NCUA.GOV VIA THE QUARTERLY 5300 FILING. FORM 990, PART XI, LINE 9: RECLASSIFICATION ADJUSTMENT FOR NET HEDGING LOSSES 1,062,999. NET CHANGE IN POST RETIREMENT BENEFITS -712,283. ENTERPRISE FIRST FINANCIAL SERVICES LLC 11550 ENT PARKWAY COLORADO SPRINGS CO 80921 841514066 INSURANCE PRODUCTS CO 0 0 ENT CREDIT UNION