2020-11-12T17:39:02-06:00 2019-12-31 910189318 MOSS ADAMS LLP 805 SW BROADWAY STE 1200 PORTLAND OR 97205 990 2019-01-01 930492535 OREGON COMMUNITY CREDIT UNION OREG 8664557438 2880 CHAD DRIVE EUGENE OR 97408 RON NEUMANN CEO 8664557438 2020-11-11 1 WENDY CAMPOS P00448102 5032421447 2020-11-11 67.189.43.222 2020-11-11 14:10:06 PS P DA39A3EE5E6B4B0D3255BFEF95601890AFD80709 82D2AADBC974838CCBF352300F6A9124D06588A1 2019 2021-04-22 16:20:28Z RON NEUMANN 2880 CHAD DRIVE EUGENE OR 97408 102367460 0 X WWW.MYOCCU.ORG X 1956 OR TO ASSIST OUR MEMBERS IN MAKING BENEFICIAL LONG-TERM FINANCIAL DECISIONS. 8 8 456 0 734275 0 0 0 88661037 98409013 4698432 3958447 0 0 93359469 102367460 443589 571180 0 0 32373245 35534018 0 0 0 41507810 45708462 74324644 81813660 19034825 20553800 1708221881 1889089537 1547964145 1708396153 160257736 180693384 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 165,864 MEMBERS DURING 2019 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 39695 0 1 456 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 X X 687571 0 50927 JEANINE JENSON BOARD CHAIR 8.00 X X 27000 0 0 BEVERLY ANDERSON BOARD SECRETARY 8.00 X X 22000 0 0 WILLIAM INGE BOARD VICE CHAIR 8.00 X X 22000 0 0 JOHN GOGOL BOARD DIRECTOR 8.00 X 20000 0 0 GENEVIEVE PARKER BOARD DIRECTOR 8.00 X 20000 0 0 JESSICA BONIN BOARD DIRECTOR 8.00 X 18000 0 0 THOMAS LARSON BOARD DIRECTOR 8.00 X 18000 0 0 NICHOLAS BALTHROP ASSOCIATE DIRECTOR 8.00 X 12000 0 0 RICHARD VARNUM ASSOCIATE DIRECTOR 8.00 X 12000 0 0 JEREMY GREEN BOARD DIRECTOR 8.00 X 6650 0 0 GREGORY SCHUMACHER CHIEF FINANCIAL & ADMINISTRATIVE OFFICER 50.00 X 357196 0 20477 DEBORAH MERSINO CHIEF MARKETING & EXPERIENCE OFFICER 50.00 X 459286 0 30827 SCOTT ROOTS VP INVESTMENT & INSURANCE SVS 50.00 X 401050 0 52532 ETHAN NELSON VP OF CREDIT ADMINISTRATION 50.00 X 232253 0 46823 RUSSELL BERNARDO CHIEF LENDING OFFICER 50.00 X 244813 0 30024 DARRELL STARK CHIEF RETAIL OFFICER 50.00 X 213761 0 21416 HEATHER BILLINGS VP OF COMMUNICATIONS 50.00 X 204990 0 26708 JOHN SCHIFFER VP OF FINANCE 50.00 X 195775 0 24504 DANIEL RIPPLINGER VP OF BUSINESS SERVICES 50.00 X 197999 0 15829 TRACEY KEFFER VP OF HUMAN RESOURCES 50.00 X 186222 0 23411 CHRISTOPHER WHITTAKER VP OF CONSUMER LENDING 50.00 X 186559 0 22789 BRIAN ALFANO CHIEF OPERATIONS OFFICER 50.00 X 190520 0 11053 BRITNI HARTFORD VP OF BRAND & EXPERIENCE 50.00 X 181183 0 16643 MATTHEW WILSON VP OF RISK & ADMINISTRATION 50.00 X 169521 0 23613 BRIAN KILLINGSWORTH VP OF TECHNOLOGY 50.00 X 172110 0 15853 KIRSTEN SIMMONS VP OF ORGANIZATIONAL DEVELOPMENT 50.00 X 167636 0 15410 AMY BRADLEY MORTGAGE PRODUCTION TEAM LEAD 40.00 X 335562 0 35189 JONATHAN HEFFRON SENIOR MORTGAGE LOAN OFFICER 40.00 X 229077 0 30225 JASON WOODKE SENIOR MORTGAGE LOAN OFFICER 40.00 X 228190 0 30160 THEODORE UTLEY SENIOR MORTGAGE LOAN OFFICER 40.00 X 184812 0 23491 JUSTIN MARTIN MORTGAGE LOAN OFFICER 40.00 X 176661 0 22810 AMANDA JONES FORMER CEO 0.00 X 200000 0 0 5980397 0 590714 69 1 1 0 MCKENZIE COMMERCIAL CONTRACTORS INC 865 W SECOND AVENUE EUGENE OR 97402 BUILDING REMODEL CONTRACTOR 1624180 ALKAMI TECHNOLOGY INC 5601 GRANITE PARKWAY 120 PLANO TX 75024 INTERNET BANKING 1119286 LENDING SOLUTIONS INC 2200 POINT BOULEVARD ELGIN IL 60123 CALL CENTER OVERFLOW 594574 PREVEDELLO HETTICK MARKETING COMPANY 132 E BROADWAY 605 EUGENE OR 97401 MARKETING 465951 FISERV 255 FISERV DRIVE BROOKFIELD WI 53045 INTERNET BANKING 447229 36 INTEREST ON LOANS/VISA 522100 69979719 69979719 FEES AND CHARGES 522100 11350858 11350858 VISA/ATM INTERCHANGE I 525990 9191119 9115291 75828 CREDIT CARD INTERCHANG 525990 1769238 1769238 CREDIT CARD SERVICES 525990 -201344 -859791 658447 6319423 6319423 98409013 2535195 2535195 1423252 0 1423252 1423252 1423252 102367460 97674738 734275 3958447 571180 1009498 27733982 1843252 2826514 2120772 107639 462545 3731197 2161977 1612127 4377383 1818919 307208 109202 10041884 3023463 626420 PROVISION FOR LOAN LOSS 7600318 LOAN SERVICING EXPENSE 7171646 BAD DEBT & OPERATING 2556534 81813660 8300811 9963872 63453619 107220974 1781141 493102 14753400 15215880 1546850581 1647860221 8860630 9946960 40669347 24145440 16095457 16523907 7801547 56349490 40324695 25515131 1708221881 1889089537 50994685 31634493 252220 197552 1496717240 1676564108 1547964145 1708396153 X 0 0 0 0 160257736 180693384 160257736 180693384 1708221881 1889089537 20553800 -118152 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 14676138 4961891 9714247 2296461 1848573 447888 20037781 17066351 2971430 316392 268625 47767 16523907 MEMBER SHARES & SAVINGS 1676564108 1676564108 0 UNITED WAY OF LANE COUNTY 3171 GATEWAY LOOP SPRINGFIELD OR 97477 930394142 501(C)(3) 8574 0 GENERAL SUPPORT OCCU FOUNDATION 2880 CHAD DRIVE EUGENE OR 97408 830566255 501(C)(3) 433263 0 GENERAL SUPPORT EUGENE AREA CHAMBER OF COMMERCE 1401 WILLAMETTE STREET EUGENE OR 97401 930163290 501(C)(6) 11900 0 GENERAL SUPPORT ST VINCENT DE PAUL SOCIETY PO BOX 24608 EUGENE OR 97402 930454786 501(C)(3) 5000 0 GENERAL SUPPORT WORLDWIDE FOUNDATION OF CREDIT UNIONS 5710 MINERAL POINT ROAD MADISON WI 53705 396093210 501(C)(3) 5000 0 GENERAL SUPPORT MCDONALD WHOLESALE PO BOX 2340 EUGENE OR 97402 260855703 14082 0 GENERAL SUPPORT CHILDREN'S MIRACLE NETWORK 123 INTERNATIONAL WAY SPRINGFIELD OR 97477 936026548 501(C)(3) 7000 0 GENERAL SUPPORT LANE COMMUNITY COLLEGE 4000 EAST 30TH AVENUE EUGENE OR 97405 930546223 501(C)(3) 5000 0 GENERAL SUPPORT ASIAN AMERICAN COUNCIL OF OREGON PO BOX 51117 EUGENE OR 97405 930955254 501(C)(3) 7500 0 GENERAL SUPPORT MCKENZIE RIVER DISCOVERY CENTER PO BOX 506 WALTERVILLE OR 97489 931225796 501(C)(3) 5000 0 GENERAL SUPPORT 8 2 X X X 0 1 0 RONALD NEUMANN PRESIDENT CEO 517708 0 125000 0 44863 0 43750 0 7177 0 738498 0 0 0 GREGORY SCHUMACHER CHIEF FINANCIAL & ADMINISTRATIVE OFF 257457 0 74874 0 24865 0 10677 0 9800 0 377673 0 0 0 DEBORAH MERSINO CHIEF MARKETING & EXPERIENCE OFFICER 176083 0 77112 0 206091 0 24110 0 6717 0 490113 0 0 0 SCOTT ROOTS VP INVESTMENT & INSURANCE SVS 65300 0 329730 0 6020 0 44200 0 8332 0 453582 0 0 0 ETHAN NELSON VP OF CREDIT ADMINISTRATION 180993 0 14433 0 36827 0 39869 0 6954 0 279076 0 0 0 RUSSELL BERNARDO CHIEF LENDING OFFICER 230720 0 9224 0 4869 0 20074 0 9950 0 274837 0 0 0 DARRELL STARK CHIEF RETAIL OFFICER 120639 0 24328 0 68794 0 19122 0 2294 0 235177 0 0 0 HEATHER BILLINGS VP OF COMMUNICATIONS 156346 0 11696 0 36948 0 18421 0 8287 0 231698 0 0 0 JOHN SCHIFFER VP OF FINANCE 167898 0 13082 0 14795 0 17572 0 6932 0 220279 0 0 0 DANIEL RIPPLINGER VP OF BUSINESS SERVICES 170500 0 13615 0 13884 0 8885 0 6944 0 213828 0 0 0 TRACEY KEFFER VP OF HUMAN RESOURCES 156392 0 11667 0 18163 0 16731 0 6680 0 209633 0 0 0 CHRISTOPHER WHITTAKER VP OF CONSUMER LENDING 156521 0 11957 0 18081 0 16762 0 6027 0 209348 0 0 0 BRIAN ALFANO CHIEF OPERATIONS OFFICER 167875 0 10000 0 12645 0 4519 0 6534 0 201573 0 0 0 BRITNI HARTFORD VP OF BRAND & EXPERIENCE 156371 0 16626 0 8186 0 16285 0 358 0 197826 0 0 0 MATTHEW WILSON VP OF RISK & ADMINISTRATION 156358 0 12099 0 1064 0 15197 0 8416 0 193134 0 0 0 BRIAN KILLINGSWORTH VP OF TECHNOLOGY 157014 0 12613 0 2483 0 15443 0 410 0 187963 0 0 0 KIRSTEN SIMMONS VP OF ORGANIZATIONAL DEVELOPMENT 156039 0 10974 0 623 0 5911 0 9499 0 183046 0 0 0 AMY BRADLEY MORTGAGE PRODUCTION TEAM LEAD 6640 0 326273 0 2649 0 25200 0 9989 0 370751 0 0 0 JONATHAN HEFFRON SENIOR MORTGAGE LOAN OFFICER 5660 0 221427 0 1990 0 20584 0 9641 0 259302 0 0 0 JASON WOODKE SENIOR MORTGAGE LOAN OFFICER 3355 0 222943 0 1892 0 20512 0 9648 0 258350 0 0 0 THEODORE UTLEY SENIOR MORTGAGE LOAN OFFICER 4800 0 179095 0 917 0 16589 0 6902 0 208303 0 0 0 JUSTIN MARTIN MORTGAGE LOAN OFFICER 3088 0 172997 0 576 0 15881 0 6929 0 199471 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 - $19,000 RONALD NEUMANN, 457B PLAN - $19,000 SCOTT ROOTS, 457B PLAN - $19,000 JERRY LIUDAHL CHIEF CREDIT OFFICER SPLIT DOLLAR LIFE INSURANCE X 1387993 1456753 0 1 1 RONALD NEUMANN CHIEF EXECUTIVE OFFICER SPLIT DOLLAR LIFE INSURANCE X 13295352 13759127 0 1 1 15215880 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 2018. 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 320345 16136977 OREGON COMMUNITY CREDIT UNION