2020-10-13T17:34:12-05:00 2019-12-31 910189318 MOSS ADAMS LLP 601 W RIVERSIDE AVENUE STE 1800 SPOKANE WA 99201 990 2019-01-01 910863377 NUMERICA CREDIT UNION NUME 5094627355 14610 E SPRAGUE AVENUE SPOKANE VALLEY WA 992162146 BEN RICHARDSON SVP OF FINANCE 5095357613 2020-10-02 1 COLLEEN RAMIRES P01251320 5097472600 2020-10-02 76.121.192.40 2020-10-02 15:07:51 PD P DA39A3EE5E6B4B0D3255BFEF95601890AFD80709 3EF74A9F095120C19DBF54175AA7CEC7F455DBD7 2019 2021-04-22 16:20:28Z NA BEN RICHARDSON 14610 E SPRAGUE AVENUE SPOKANE VALLEY WA 992162146 166362159 0 1269 X WWW.NUMERICACU.COM X 1937 WA CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES. 9 9 667 15 648399 91167 0 0 129308531 140960172 5332158 7850214 291295 0 134931984 148810386 342000 347568 0 0 49013643 51983222 0 0 0 60694235 69935355 110049878 122266145 24882106 26544241 2267049250 2515014678 2036223418 2253558552 230825832 261456126 CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES. 0 0 PROVIDE FINANCIAL SERVICES TO 153,804 MEMBERS. THESE SERVICES INCLUDE, BUT ARE NOT LIMITED TO, PROVIDING REAL ESTATE AND OTHER SECURED/UNSECURED CONSUMER AND BUSINESS LOANS, CHECKING AND SAVINGS PROGRAMS, AND CREDIT CARD SERVICES. 0 0 0 0 0 0 0 1 0 1 1 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 1 1 0 0 1 47603 0 1 667 1 1 1 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 1 0 ID X BEN RICHARDSON 5094627355 14610 E SPRAGUE AVENUE SPOKANE VALLEY WA 99216 HUPP RON CHAIRMAN 8.00 X X 23208 0 0 MORTENSEN WES VICE CHAIRMAN 8.00 X X 19900 0 0 NIELSEN SUSAN SECRETARY 8.00 X X 18202 0 0 PLUMB SCOTT DIRECTOR 8.00 X 24079 0 0 BENSON ADAM DIRECTOR 8.00 X 21870 0 0 OCHOA-BRUCK GLORIA DIRECTOR 8.00 X 20823 0 0 SMITH YVONNE DIRECTOR 8.00 X 19726 0 0 CLARK SCOTT DIRECTOR 8.00 X 19053 0 0 KITTLITZ LIESEL DIRECTOR 8.00 X 14256 0 0 CICERO CARLA PRESIDENT/CEO 40.00 X 810097 0 221567 LEAVER CINDY CHIEF FINANCIAL OFFICER/ CSO 40.00 X 423742 0 30100 LEHN JENNIFER CHIEF OPERATIONS OFFICER 40.00 X 394035 0 13462 PLANK KENNETH CHIEF LENDING OFFICER 40.00 X 353976 0 38500 HARTER NANCY CHIEF BRANDING OFFICER 40.00 X 348360 0 35798 FERGUSON KELLEY CHIEF INFORMATION OFFICER 40.00 X 340376 0 38920 CIANI LYNN CHIEF RISK OFFICER 40.00 X 308928 0 35001 ERNY JANA SVP OF RETAIL LENDING 40.00 X 273667 0 24495 HANSEN GREG SVP OF BUSINESS SERVICES 40.00 X 264026 0 28673 O'CALLAGHAN JENNIFER SVP OF MARKETING 40.00 X 239028 0 23934 CLUTE TROY VP HOME LOAN CENTER 40.00 X 236333 0 24656 GRABICKI MICHELLE VP OF CORPORATE CULTURE 40.00 X 230048 0 28491 STIRLING ANDY SVP OF CENTRAL WASHINGTON REGION 40.00 X 207226 0 32277 FOX MARK VP PAYMENT SERVICES 40.00 X 211278 0 27096 SUNDERMAN LISA VP ENTERPRISE RISK MANAGEMENT 40.00 X 212862 0 20840 MURRAY KAYCEE SVP INFORMATION TECHNOLOGY 40.00 X 204690 0 28607 STEPHENS ROB SVP OF FINANCE (THRU 5/19) 40.00 X 155513 0 5140 MELCHER JOSHUA VP PRIVATE BUSINESS BANKING SBA TEAM LEADER 40.00 X 257528 0 28061 CHAMBERLIN BRYCE PRIVATE BANKING RELATIONSHIP OFFICER 3 40.00 X 199522 0 22384 COLTRAIN ERIC FINANCIAL ADVISOR 40.00 X 200928 0 18955 FULLER CURT VP COMMERCIAL BANKING TEAM LEADER 40.00 X 186527 0 25639 JANIKOWSKI DENNIS VP COMMERCIAL BANKING TEAM LEADER 40.00 X 180354 0 24510 6420161 0 777106 94 0 1 0 LEONE & KEEBLE INC PO BOX 2747 SPOKANE WA 99220 GENERAL CONTRACTOR 8164704 LCR CONSTRUCTION LLC 2524 ROBERTSON DR RICHLAND WA 99354 GENERAL CONTRACTOR 2091157 MTR COMMUNICATIONS 1705 S MAPLE BLVD SPOKANE WA 99203 MARKETING/PUBLIC RELATIONS 1586421 DIEBOLD PO BOX 643543 PITTSBURGH PA 15264 ATM MAINTENANCE & SUPPLIES 965170 LOOMIS FARGO & CO PO BOX 643543 PALANTINE IL 60055 ATM BRANCH & CASH DELIVERY 847489 56 INTEREST ON LOANS 522100 103209830 103209830 FEE INCOME 522100 34931963 34283564 648399 GAIN ON SALE OF LOANS 522100 2767688 2767688 GAIN ON OTHER REAL ESTATE OWNED 531390 50691 50691 140960172 7782960 7782960 17494857 124170 17453541 98232 41316 25938 67254 67254 148810386 140311773 648399 7850214 311568 36000 6052858 34279145 4258880 4001828 3390511 346995 250958 835546 4497445 6387809 3935988 2229776 819861 270961 24934486 4268788 680507 PROVISION FOR LOAN LOSS 11662882 LOAN SERVICING EXPENSE 4664002 ATM/VISA CARD EXPENSES 3344729 UNRELATED BUSINESS TAX 52667 751955 122266145 34781569 52175521 105478057 91800626 32758734 40063666 1802163249 1991847157 3250020 2743091 90098504 28151038 51427682 61947466 183560372 214249750 308719 249766 53320848 59937635 2267049250 2515014678 30777396 33664607 304338 129408 721766 867881 105750000 117500000 1898669918 2101396656 2036223418 2253558552 X 0 0 0 0 230825832 261456126 230825832 261456126 2267049250 2515014678 26544241 4086053 0 X 0 1 X 1 0 0 1 X 13385475 13385475 48219630 12567250 35652380 3843297 2165981 1677316 6206187 4712666 1493521 18443915 8705141 9738774 61947466 1435110 C AVAILABLE FOR SALE SECURITIES 186371379 F NCUSIF DEPOSIT 17741416 C FEDERAL HOME LOAN BANK STOCK 7147400 C OTHER INVESTMENTS 1554445 C 214249750 SHARES & DEPOSITS 2101396656 2101396656 X 144158543 0 144158543 4651843 4651843 148810386 117614302 0 117614302 4651843 4651843 122266145 PART IV, LINE 2B: THE ORGANIZATION HAS ESCROW ACCOUNTS RELATED TO PORTFOLIO MORTGAGES MEMBERS HAVE WITH THE ORGANIZATION. PART X, LINE 2: THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL INCOME TAXES UNDER THE PROVISIONS OF SECTION 501 OF THE INTERNAL REVENUE CODE OF 1954; HOWEVER, THE CREDIT UNION'S UNRELATED BUSINESS INCOME AND SUBSIDIARIES ARE SUBJECT TO FEDERAL INCOME TAXES. THERE WERE NO SIGNIFICANT INCOME TAXES FOR THE YEARS ENDED DECEMBER 31, 2019 OR 2018. ACCOUNTING PRINCIPLES PRESCRIBE A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE CREDIT UNION HAD NO MATERIAL UNRECOGNIZED TAX POSITIONS AT DECEMBER 31, 2019 OR 2018. IT IS THE CREDIT UNION'S POLICY TO RECORD ANY PENALTIES OR INTEREST ARISING FROM FEDERAL OR STATE TAXES AS A COMPONENT OF NONINTEREST EXPENSE. THE CREDIT UNION FILES A FEDERAL EXEMPT ORGANIZATION RETURN AND A SALES AND USE TAX RETURN WITH THE STATE OF WASHINGTON AND A STATE INCOME TAX RETURN WITH THE STATE OF IDAHO. PART XI, LINE 4B - OTHER ADJUSTMENTS: RECLASS ATM FEES NETTED AGAINST ATM INCOME ON FS 4,651,843. PART XII, LINE 4B - OTHER ADJUSTMENTS: RECLASS ATM FEES NETTED AGAINST ATM INCOME ON FS 4,651,843. 1 BOYS AND GIRLS CLUB OF SPOKANE COUNTY 544 E PROVIDENCE AVE SPOKANE WA 99207 911983357 501(C)(3) 20000 GENERAL SUPPORT CHAPLAINCY HEALTH CARE 1480 FOWLER ST RICHLAND WA 99352 910913590 501(C)(3) 20000 GENERAL SUPPORT COMMUNITIES IN SCHOOLS OF BENTON-FRANKLIN 295 BRADLEY BLVD SUITE 204 RICHLAND WA 99352 810846103 501(C)(3) 20000 GENERAL SUPPORT COMMUNITY COLLEGES OF SPOKANE FOUNDATION 501 N RIVERPOINT BLVD STE 203 SPOKANE WA 99202 910886962 501(C)(3) 20000 GENERAL SUPPORT GENERATION ALIVE 418 W SHARP SPOKANE WA 99201 562598004 501(C)(3) 9100 GENERAL SUPPORT GIRL SCOUTS EASTERN WA & N IDAHO 1404 N ASH ST SPOKANE WA 99201 910570844 501(C)(3) 10000 GENERAL SUPPORT HABITAT FOR HUMANITY- SPOKANE PO BOX 4130 SPOKANE WA 99220 943066722 501(C)(3) 16000 GENERAL SUPPORT IDAHO YOUTH RANCH 5465 W IRVING ST BOISE ID 83706 820253346 501(C)(3) 17000 GENERAL SUPPORT SAFE HARBOR SUPPORT CENTER 1111 N GRANT PLACE KENNEWICK WA 99336 911725914 501(C)(3) 19634 GENERAL SUPPORT SAFE PASSAGE 850 N 4TH ST COEUR DALENE ID 83814 820341451 501(C)(3) 25000 GENERAL SUPPORT DOMESTIC & SEXUAL VIOLENCE CRISIS CENTER (DBA SAGE) 710 N CHELAN AVE WENATCHEE WA 98801 911018890 501(C)(3) 10000 GENERAL SUPPORT SECOND HARVEST FOOD BANK 1234 E FRONT AVE SPOKANE WA 99202 237173826 501(C)(3) 33500 GENERAL SUPPORT SMALL MIRACLES 636 VALLEY MALL PARKWAY SUITE 211 EAST WENATCHEE WA 98801 453638485 501(C)(3) 15000 GENERAL SUPPORT TRANSITIONS- WOMEN'S HEALTH 3128 N HEMLOCK ST SPOKANE WA 99206 911307272 501(C)(3) 20000 GENERAL SUPPORT VANESSA BEHAN CRISIS NURSERY 1004 E 8TH AVE SPOKANE WA 99202 911196575 501(C)(3) 33334 GENERAL SUPPORT CHILDREN'S MIRACLE NETWORK 205 WEST 700 SOUTH SALT LAKE CITY UT 84101 870387205 501(C)(3) 8000 GENERAL SUPPORT 16 0 STUDENT AMBASSADOR SCHOLARSHIPS 11 16000 RETURNING EDUCATION SCHOLARSHIPS 2 5000 FINANCIAL EDUCATION SCHOLARSHIPS 2 5000 STUDENT LOAN REPAYMENT SCHOLARSHIP 2 10000 PART I, LINE 2: DONATIONS ARE ROUTED THROUGH THE COMMUNITY INVOLVEMENT COMMITTEE (CIC) OR THROUGH THE COMMUNICATIONS DEPARTMENT DEPENDING ON THE REQUEST. THE REQUEST IS THEN EVALUATED EITHER BY COMMUNICATIONS OR BY THE CIC DONATIONS SUB-COMMITTEE AND A DETERMINATION MADE AS TO THE AMOUNT TO BE DONATED. ALL ACKNOWLEDGEMENTS ARE RETAINED AND RECIPIENTS OF THE DONATIONS RECORDED. ALL RECIPIENTS ARE WELL KNOWN LOCAL ORGANIZATIONS. NUMERICA ASSUMES THAT ALL GRANT FUNDS ARE USED WITHIN THE U.S. BUT DOES NOT MONITOR THE USE OF FUNDS PAST THE DATE OF CONTRIBUTION. FOR INDIVIDUAL SCHOLARSHIPS, CANDIDATES ARE INVITED FOR AN INTERVIEW WITH A PANEL OF JUDGES THAT INCLUDES TWO NUMERICA EMPLOYEES AND AT LEAST THREE COMMUNITY PARTNERS. THE PANEL SELECTS THE SCHOLARSHIP RECIPIENT. SCHOLARSHIPS ARE SENT DIRECTLY TO THE COLLEGE THEY ARE ATTENDING WITH A LETTER EXPLAINING THEY ARE TO BE USED FOR TUITION. X X 1 1 X X X 0 1 0 CICERO CARLA PRESIDENT/CEO 608241 0 191983 0 9873 0 215907 0 5660 0 1031664 0 0 0 LEAVER CINDY CHIEF FINANCIAL OFFICER/ CSO 291022 0 89401 0 43319 0 22400 0 7700 0 453842 0 0 0 LEHN JENNIFER CHIEF OPERATIONS OFFICER 318912 0 70899 0 4224 0 6997 0 6465 0 407497 0 0 0 PLANK KENNETH CHIEF LENDING OFFICER 278324 0 63766 0 11886 0 30800 0 7700 0 392476 0 0 0 HARTER NANCY CHIEF BRANDING OFFICER 282913 0 62024 0 3423 0 30138 0 5660 0 384158 0 0 0 FERGUSON KELLEY CHIEF INFORMATION OFFICER 275905 0 63087 0 1384 0 30800 0 8120 0 379296 0 0 0 CIANI LYNN CHIEF RISK OFFICER 250541 0 55130 0 3257 0 28201 0 6800 0 343929 0 0 0 ERNY JANA SVP OF RETAIL LENDING 222968 0 50100 0 599 0 17955 0 6540 0 298162 0 0 0 HANSEN GREG SVP OF BUSINESS SERVICES 203947 0 55366 0 4713 0 21873 0 6800 0 292699 0 0 0 O'CALLAGHAN JENNIFER SVP OF MARKETING 191213 0 47174 0 641 0 16234 0 7700 0 262962 0 0 0 CLUTE TROY VP HOME LOAN CENTER 188800 0 46736 0 797 0 18361 0 6295 0 260989 0 0 0 GRABICKI MICHELLE VP OF CORPORATE CULTURE 187664 0 41620 0 764 0 20886 0 7605 0 258539 0 0 0 STIRLING ANDY SVP OF CENTRAL WASHINGTON REGION 170410 0 36457 0 359 0 16777 0 15500 0 239503 0 0 0 FOX MARK VP PAYMENT SERVICES 176561 0 34249 0 468 0 19491 0 7605 0 238374 0 0 0 SUNDERMAN LISA VP ENTERPRISE RISK MANAGEMENT 174088 0 38313 0 461 0 14040 0 6800 0 233702 0 0 0 MURRAY KAYCEE SVP INFORMATION TECHNOLOGY 161920 0 42359 0 411 0 20487 0 8120 0 233297 0 0 0 STEPHENS ROB SVP OF FINANCE (THRU 5/19) 107166 0 48144 0 203 0 4665 0 475 0 160653 0 0 0 MELCHER JOSHUA VP PRIVATE BUSINESS BANKING SBA TEAM 151387 0 105777 0 364 0 18261 0 9800 0 285589 0 0 0 CHAMBERLIN BRYCE PRIVATE BANKING RELATIONSHIP OFFICER 117009 0 82286 0 227 0 13484 0 8900 0 221906 0 0 0 COLTRAIN ERIC FINANCIAL ADVISOR 44303 0 156443 0 182 0 9755 0 9200 0 219883 0 0 0 FULLER CURT VP COMMERCIAL BANKING TEAM LEADER 136705 0 48864 0 958 0 15792 0 9847 0 212166 0 0 0 JANIKOWSKI DENNIS VP COMMERCIAL BANKING TEAM LEADER 138713 0 41184 0 457 0 14710 0 9800 0 204864 0 0 0 PART I, LINE 1A BOARD MEMBERS WHO HAVE COMPANIONS TRAVELING HAVE THESE EXPENSES INCLUDED FOR TAXABLE PURPOSES IN THEIR 1099-MISC. TAX PAYMENTS ARE PROVIDED FOR EXECUTIVE LEVEL STAFF ON THE TAXABLE BENEFIT OF AN INTEREST-FREE LOAN ON A SPLIT DOLLAR LIFE INSURANCE POLICY. WELLNESS EXPENSES SUCH AS HEALTH CLUB DUES ARE PROVIDED FOR EXECUTIVE MANAGEMENT AS A BENEFIT. THEIR COMPENSATION IS TAXED APPROPRIATELY FOR THIS BENEFIT. PART I, LINE 4B CARLA CICERO, CEO, PARTICIPATES IN A SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN. THE AMOUNT EARNED IN 2019 WAS $166,107. CICERO CARLA CHIEF EXECUTIVE OFFICER SPLIT DOLLAR LIFE INSURANCE POLICY X 12173272 14236050 0 1 1 LEHN JENNIFER A CHIEF OPERATIONS OFFICER SPLIT DOLLAR LIFE INSURANCE POLICY X 1665148 1724093 0 1 1 NORBURY-HARTERNANCY CHIEF BRANDING OFFICER SPLIT DOLLAR LIFE INSURANCE POLICY X 3076916 3185838 0 1 1 FERGUSON KELLEY CHIEF INFORMATION OFFICER SPLIT DOLLAR LIFE INSURANCE POLICY X 3261694 3377156 0 1 1 PLANK KEN CHIEF LENDING OFFICER SPLIT DOLLAR LIFE INSURANCE POLICY X 4569112 4730856 0 1 1 CIANI LYNN EVP - GENERAL COUNCIL SPLIT DOLLAR LIFE INSURANCE POLICY X 5841766 6015229 0 1 1 LEAVER CYNTHIA J CHIEF FINANCIAL OFFICER SPLIT DOLLAR LIFE INSURANCE POLICY X 1760000 1760000 0 1 1 CIANI LYNN EVP - GENERAL COUNCIL AUTO LOAN X 62170 13991 0 0 1 CIANI LYNN EVP - GENERAL COUNCIL MORTGAGE LOAN X 333600 277508 0 0 1 CICERO CARLA CHIEF EXECUTIVE OFFICER MORTGAGE LOAN X 562500 408472 0 0 1 CLUTE TROY SVP HOME LOANS AND DEALER SERVICES MORTGAGE LOAN X 51545 23000 0 0 1 ERNY JANA SVP RETAIL EXPERIENCE AND OPERATIONS OTHER: EMPLOYEE PERSONAL LOAN X 30000 9000 0 0 1 ERNY JANA SVP RETAIL EXPERIENCE AND OPERATIONS MORTGAGE LOAN X 120500 120000 0 0 1 ERNY JANA SVP RETAIL EXPERIENCE AND OPERATIONS MORTGAGE LOAN X 225145 194284 0 0 1 FERGUSON KELLEY CHIEF INFORMATION OFFICER MORTGAGE LOAN X 224000 132388 0 0 1 FOX MARK SVP PAYMENTS AND DIGITAL MORTGAGE LOAN X 36811 3512 0 0 1 FOX MARK SVP PAYMENTS AND DIGITAL MORTGAGE LOAN X 564000 560194 0 0 1 GRABICKI MICHELLE SVP CORPORATE CULTURE MORTGAGE LOAN X 417000 367260 0 0 1 HUPP RON BOARD OF DIRECTORS AUTO LOAN X 200000 556 0 0 1 HUPP RON BOARD OF DIRECTORS AUTO LOAN X 34472 26809 0 0 1 HUPP RON BOARD OF DIRECTORS MORTGAGE LOAN X 338000 73761 0 0 1 LEAVER CYNTHIA J CHIEF FINANCIAL OFFICER OTHER: EMPLOYEE PERSONAL LOAN X 2000 1680 0 0 1 LEAVER CYNTHIA J CHIEF FINANCIAL OFFICER AUTO LOAN X 14657 4795 0 0 1 LEAVER CYNTHIA J CHIEF FINANCIAL OFFICER MORTGAGE LOAN X 77333 6171 0 0 1 LEAVER CYNTHIA J CHIEF FINANCIAL OFFICER AUTO LOAN X 49532 26618 0 0 1 LEAVER CYNTHIA J CHIEF FINANCIAL OFFICER MORTGAGE LOAN X 77333 70406 0 0 1 LEAVER CYNTHIA J CHIEF FINANCIAL OFFICER MORTGAGE LOAN X 363920 321468 0 0 1 LEHN JENNIFER A CHIEF OPERATIONS OFFICER MORTGAGE LOAN X 100000 983 0 0 1 LEHN JENNIFER A CHIEF OPERATIONS OFFICER MORTGAGE LOAN X 136000 50000 0 0 1 LEHN JENNIFER A CHIEF OPERATIONS OFFICER MORTGAGE LOAN X 216000 126231 0 0 1 LEHN JENNIFER A CHIEF OPERATIONS OFFICER MORTGAGE LOAN X 300000 300000 0 0 1 MURRAY KAYCEE SVP INFORMATION TECHNOLOGY MORTGAGE LOAN X 417000 386208 0 0 1 NORBURY-HARTERN CHIEF BRANDING OFFICER MORTGAGE LOAN X 417000 364904 0 0 1 O'CALLAGHAN JEN SVP OF MARKETING AUTO LOAN X 48800 35580 0 0 1 O'CALLAGHAN JEN SVP OF MARKETING MORTGAGE LOAN X 122000 105152 0 0 1 O'CALLAGHAN JEN SVP OF MARKETING MORTGAGE LOAN X 144000 122460 0 0 1 O'CALLAGHAN JEN SVP OF MARKETING MORTGAGE LOAN X 133000 130616 0 0 1 PLANK KEN CHIEF LENDING OFFICER AUTO LOAN X 31881 18956 0 0 1 PLANK KEN CHIEF LENDING OFFICER MORTGAGE LOAN X 35736 34269 0 0 1 PLANK KEN CHIEF LENDING OFFICER MORTGAGE LOAN X 658750 637494 0 0 1 STEPHENS ROB SVP OF FINANCE MORTGAGE LOAN X 93750 79718 0 0 1 40063666 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION HAS ONE CLASS OF MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE ORGANIZATION'S MEMBERS MAY ELECT ONE OR MORE MEMBERS OF THE GOVERNING BODY. FORM 990, PART VI, SECTION A, LINE 7B THE ORGANIZATION'S MEMBERS MUST APPROVE CERTAIN INFREQUENT DECISIONS OF THE GOVERNING BODY. FOR EXAMPLE, A MERGER WOULD REQUIRE MEMBER APPROVAL. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS REVIEWED BY EXECUTIVE MANAGEMENT. FORM 990, PART VI, SECTION B, LINE 12C THERE IS AN ANNUAL CERTIFICATION PROCESS WHERE THE CODE OF ETHICS POLICY FOR VOLUNTEERS IS REVIEWED. WHEN THERE IS A PERSONAL INTEREST, EVEN IF ONLY IN APPEARANCE, SUCH INTEREST MUST BE DISCLOSED AND THE NATURE OF SUCH INTEREST DESCRIBED TO THE BOARD PRIOR TO THE TIME ANY ACTION IS TAKEN. THE INTERESTED PARTY SHALL NOT DIRECTLY OR INDIRECTLY PARTICIPATE IN ANY DELIBERATION OR DETERMINATION OF THE MATTER AND SHOULD TAKE ALL REASONABLE STEPS TO AVOID THE CONFLICT. FORM 990, PART VI, SECTION B, LINE 15 A COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS THE CEO'S CONTRACT ANNUALLY AND USES DATA FROM VARIOUS SURVEYS TO PROVIDE SUBSTANTIATION OF THE DELIBERATION AND DECISIONS REGARDING THE CEO'S ANNUAL BONUS AND SALARY. ALL OF THE SALARY RANGES FOR THE ENTIRE ORGANIZATION ARE SET BASED ON VARIOUS SALARY SURVEYS, INCLUDING EXECUTIVE SALARY SURVEY. THE SURVEYS ARE OF FINANCIAL INSTITUTIONS OF SIMILAR SIZE AND REGION. FORM 990, PART VI, SECTION C, LINE 18 THE ORGANIZATION'S FORM 1024 AND FORM 990 ARE AVAILABLE UPON REQUEST. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. NUMERICA MEMBER SERVICES INC PO BOX 4000 SPOKANE VALLEY WA 99037 911320629 FINANCIAL PLANNING SERVICE WA NUMERICA CREDIT UNION C 495765 1.00000 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0