2021-11-04T14:05:28-05:00 2020-12-31 910189318 MOSS ADAMS LLP 805 SW BROADWAY STE 1200 PORTLAND OR 97205 990 2020-01-01 930492535 OREGON COMMUNITY CREDIT UNION OREG 8664557438 2880 CHAD DRIVE EUGENE OR 97408 RON NEUMANN CEO 8664557438 2021-11-01 1 RON NEUMANN XXX-XX-XXXX WENDY CAMPOS P00448102 5032421447 2021-11-01 2 AAL1 IAL1 2020 2022-09-23 18:48:47Z RON NEUMANN 2880 CHAD DRIVE EUGENE OR 97408 124109614 0 X WWW.MYOCCU.ORG X 1956 OR TO ASSIST OUR MEMBERS IN MAKING BENEFICIAL LONG-TERM FINANCIAL DECISIONS. 8 8 510 0 516172 0 0 0 98409013 115731931 3958447 8377683 0 0 102367460 124109614 571180 594881 0 0 35534018 37401217 0 0 0 45708462 57474553 81813660 95470651 20553800 28638963 1889089537 2390697692 1708396153 2181210196 180693384 209487496 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 186,907 MEMBERS DURING 2020 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 1 0 0 0 1 50692 0 1 510 1 1 1 0 0 0 0 0 0 0 X 8 8 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 5.00 X X 690358 0 52218 JEANINE JENSEN BOARD CHAIR 8.00 X X 31643 0 0 BEVERLY ANDERSON BOARD SECRETARY 8.00 X X 28023 0 0 WILLIAM INGE BOARD VICE CHAIR 8.00 X X 25950 0 0 JESSICA BONIN BOARD DIRECTOR 8.00 X 24494 0 0 THOMAS LARSON BOARD DIRECTOR 8.00 X 23867 0 0 GENEVIEVE PARKER BOARD DIRECTOR 8.00 X 23533 0 0 JOHN GOGOL BOARD DIRECTOR 8.00 X 23533 0 0 RICHARD VARNUM ASSOCIATE DIRECTOR 8.00 X 16357 0 0 SARAH HAGEN ASSOCIATE DIRECTOR 8.00 X 9304 0 0 NICHOLAS BALTHROP ASSOCIATE DIRECTOR 8.00 X 2817 0 0 GREGORY SCHUMACHER CHIEF FINANCIAL & ADMINISTRATIVE OFFICER 50.00 5.00 X 340262 0 24063 BRIAN ALFANO CHIEF OPERATIONS OFFICER 50.00 2.00 X 273452 0 37836 RUSSELL BERNARDO CHIEF LENDING OFFICER 50.00 2.00 X 266588 0 37207 LINDSEY ROBERTS DIRECTOR OF REAL ESTATE LENDING 50.00 X 242497 0 22817 ETHAN NELSON VP OF CREDIT ADMINISTRATION 50.00 X 216815 0 45890 TRACEY KEFFER VP OF HUMAN RESOURCES 50.00 X 197958 0 29083 DAVE SCHIFFER VP OF FINANCE & ANALYTICS 50.00 5.00 X 200334 0 25633 MATTHEW WILSON VP OF RISK & ADMINISTRATION 50.00 X 183882 0 32578 HEATHER BILLINGS VP OF COMMUNICATIONS 50.00 5.00 X 187583 0 26190 DANIEL RIPPLINGER VP OF BUSINESS SERVICES 50.00 X 193482 0 15541 BRIAN KILLINGSWORTH VP OF TECHNOLOGY 50.00 X 189056 0 17396 KIRSTEN SIMMONS VP OF ORGANIZATIONAL DEVELOPMENT 50.00 X 176208 0 28896 CHRISTOPHER WHITTAKER VP OF CONSUMER LENDING 50.00 X 178873 0 22890 AMY BRADLEY MORTGAGE PRODUCTION TEAM LEAD 40.00 X 655390 0 39008 JASON WOODKE MORTGAGE PRODUCTION TEAM LEAD 40.00 X 566163 0 38862 JONATHAN HEFFRON SENIOR MORTGAGE LOAN OFFICER 40.00 X 537988 0 38825 THEODORE UTLEY SENIOR MORTGAGE LOAN OFFICER 40.00 X 446983 0 32526 JUSTIN MARTIN SENIOR MORTGAGE LOAN OFFICER 40.00 X 351176 0 34994 AMANDA JONES FORMER CEO 0.00 X 200000 0 0 6504569 0 602453 69 1 1 0 MCKENZIE COMMERCIAL CONTRACTORS INC 865 W SECOND AVENUE EUGENE OR 97402 BUILDING REMODEL CONTRACTOR 1973998 ALKAMI TECHNOLOGY INC 5601 GRANITE PARKWAY 120 PLANO TX 75024 INTERNET BANKING 1593848 LENDING SOLUTIONS INC 2200 POINT BOULEVARD ELGIN IL 60123 CALL CENTER OVERFLOW 1238800 COOK SECURITY GROUP 9225 NE CASCADES PKWY PORTLAND OR 97220 ATM SERVICING 1204103 PREVEDELLO HETTICK MARKETING COMPANY 132 E BROADWAY 605 EUGENE OR 97401 MARKETING 652342 33 INTEREST ON LOANS/VISA 522100 80188252 80188252 FEES AND CHARGES 522100 10443373 10443373 VISA/ATM INTERCHANGE I 525990 6682512 6607964 74548 CREDIT CARD INTERCHANG 525990 1712380 1712380 CREDIT CARD SERVICES 525990 -765383 -1207007 441624 17470797 17470797 115731931 1830234 1830234 4219984 2327465 0 0 4219984 2327465 6547449 6547449 124109614 115215759 516172 8377683 594881 4365107 25799702 1877890 3149309 2209209 129348 453344 1032082 2697483 1689757 4682534 2431297 136953 62111 12987577 2994196 366815 PROVISION FOR LOAN LOSS 16732309 LOAN SERVICING EXPENSE 8075707 BAD DEBT & OPERATING 3003040 95470651 9963872 9272746 107220974 31075036 493102 490311 15215880 21178572 1647860221 2193974386 9946960 20728352 43564514 26953750 16523907 16610764 56349490 72079609 25515131 25287916 1889089537 2390697692 31634493 54336125 197552 332449 1676564108 2126541622 1708396153 2181210196 X 0 0 0 0 180693384 209487496 180693384 209487496 1889089537 2390697692 28638963 155149 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 14953699 5498330 9455369 3114700 2200593 914107 21837148 18959425 2877723 316392 295402 20990 16610764 MEMBER SHARES & SAVINGS 2126541622 2126541622 0 OCCU FOUNDATION 2880 CHAD DRIVE EUGENE OR 97408 830566255 501(C)(3) 495977 0 GENERAL SUPPORT EUGENE AREA CHAMBER OF COMMERCE 1401 WILLAMETTE STREET EUGENE OR 97401 930163290 501(C)(6) 10000 0 GENERAL SUPPORT SPRINGFIELD AREA CHAMBER OF COMMERCE PO BOX 155 SPRINGFIELD OR 97477 930286209 501(C)(6) 10000 0 GENERAL SUPPORT WORLDWIDE FOUNDATION OF CREDIT UNIONS 5710 MINERAL POINT ROAD MADISON WI 53705 396093210 501(C)(3) 7500 0 GENERAL SUPPORT MCDONALD WHOLESALE PO BOX 2340 EUGENE OR 97402 260855703 8317 0 GENERAL SUPPORT LANE COMMUNITY COLLEGE 4000 EAST 30TH AVENUE EUGENE OR 97405 930546223 501(C)(3) 5000 0 GENERAL SUPPORT UNITED WAY OF LANE COUNTY 3171 GATEWAY LOOP SPRINGFIELD OR 97477 930394142 501(C)(3) 12500 0 GENERAL SUPPORT 4 3 X X X X 0 1 0 RONALD NEUMANN PRESIDENT & CEO 544792 0 131250 0 14316 0 45150 0 7068 0 742576 0 0 0 GREGORY SCHUMACHER CHIEF FINANCIAL & ADMINISTRATIVE OFF 273497 0 21240 0 45525 0 11102 0 12961 0 364325 0 0 0 BRIAN ALFANO CHIEF OPERATIONS OFFICER 250644 0 18054 0 4754 0 24564 0 13272 0 311288 0 0 0 RUSSELL BERNARDO CHIEF LENDING OFFICER 242509 0 19034 0 5045 0 23922 0 13285 0 303795 0 0 0 LINDSEY ROBERTS DIRECTOR OF REAL ESTATE LENDING 148958 0 92916 0 623 0 21804 0 1013 0 265314 0 0 0 ETHAN NELSON VP OF CREDIT ADMINISTRATION 186761 0 15682 0 14372 0 38973 0 6917 0 262705 0 0 0 TRACEY KEFFER VP OF HUMAN RESOURCES 173988 0 14652 0 9318 0 20222 0 8861 0 227041 0 0 0 DAVE SCHIFFER VP OF FINANCE & ANALYTICS 175025 0 14602 0 10707 0 17947 0 7686 0 225967 0 0 0 MATTHEW WILSON VP OF RISK & ADMINISTRATION 164804 0 14650 0 4428 0 16478 0 16100 0 216460 0 0 0 HEATHER BILLINGS VP OF COMMUNICATIONS 166773 0 14899 0 5911 0 16834 0 9356 0 213773 0 0 0 DANIEL RIPPLINGER VP OF BUSINESS SERVICES 177573 0 14816 0 1093 0 8680 0 6861 0 209023 0 0 0 BRIAN KILLINGSWORTH VP OF TECHNOLOGY 173065 0 14954 0 1037 0 16965 0 431 0 206452 0 0 0 KIRSTEN SIMMONS VP OF ORGANIZATIONAL DEVELOPMENT 161790 0 13623 0 795 0 15828 0 13068 0 205104 0 0 0 CHRISTOPHER WHITTAKER VP OF CONSUMER LENDING 163297 0 13663 0 1913 0 16067 0 6823 0 201763 0 0 0 AMY BRADLEY MORTGAGE PRODUCTION TEAM LEAD 28853 0 624833 0 1704 0 25650 0 13358 0 694398 0 0 0 JASON WOODKE MORTGAGE PRODUCTION TEAM LEAD 14738 0 550490 0 935 0 25650 0 13212 0 605025 0 0 0 JONATHAN HEFFRON SENIOR MORTGAGE LOAN OFFICER 29132 0 507834 0 1022 0 25650 0 13175 0 576813 0 0 0 THEODORE UTLEY SENIOR MORTGAGE LOAN OFFICER 30205 0 415317 0 1461 0 25650 0 6876 0 479509 0 0 0 JUSTIN MARTIN SENIOR MORTGAGE LOAN OFFICER 14941 0 335509 0 726 0 25650 0 9344 0 386170 0 0 0 AMANDA JONES FORMER CEO 0 0 0 0 200000 0 0 0 0 0 200000 0 0 0 PART I, LINE 4B ETHAN NELSON, 457B PLAN - $19,500 RONALD NEUMANN, 457B PLAN - $19,500 TRACY KEFFER, 457B PLAN - $2,438 JERRY LIUDAHL RETIRED CHIEF CREDIT OFFICER SPLIT DOLLAR LIFE INSURANCE X 1387993 1491133 0 1 1 RONALD NEUMANN CHIEF EXECUTIVE OFFICER SPLIT DOLLAR LIFE INSURANCE X 13295352 14162167 0 1 1 GREGORY SCHUMACHER CHIEF FINANCIAL & ADMINISTRATIVE OFFICER SPLIT DOLLAR LIFE INSURANCE X 5516080 5525272 0 1 1 21178572 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 2020. 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 CARD SERVICES LLC DBA CREDIT UNION SERVICE ORGANIZATION 2880 CHAD DRIVE EUGENE OR 97408 930492535 CREDIT CARD SERVICES OR 357237 0 OREGON COMMUNITY CREDIT UNION OCCU FOUNDATION 2880 CHAD DRIVE EUGENE OR 97408 830566255 TO ASSIST MEMBERS IN MAKING BENEFICIAL LONG-TERM FINANCIAL DECISIONS 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