CREDIT UNIONS IN THE STATE OF WASHINGTON: Form 990, tax year 2018

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS IN THE STATE OF WASHINGTON (EIN 91-0639210)
Tax period: 2018-01-01 to 2018-12-31
Filed: 2019-10-02
IRS object ID: 201912759349301291
Schema version: 2018v3.1
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 I
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2019-10-02T16:32:51-05:00	ReturnTs
Tax Period End	2018-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	410746749	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

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

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	20 E THOMAS RD STE 2300	AddressLine1Txt
City	PHOENIX	CityNm
State Abbreviation	AZ	StateAbbreviationCd
ZIP	85012	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2018-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	910639210	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	O BEE CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	CRED	BusinessNameControlTxt
Phone	3609430740	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3900 CLEVELAND AVE SE	AddressLine1Txt
City	TUMWATER	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	985014023	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	DANIEL HILDRETH	PersonNm
Person Title	VP OF FINANCE	PersonTitleTxt
Phone	3609430740	PhoneNum
Signature	2019-09-19	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	MARY C GREEN	PreparerPersonNm
PTIN	P00447183	PTIN
Phone	6022662248	PhoneNum

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	67.137.57.251	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2019-09-19	IPDt
IP Tm	15:40:06	IPTm
IP Timezone	US	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	FD94BE241EB30D59D427851B854338419E5FBD2E	AtSubmissionCreationDeviceId
At Submission Filing Device Id	24F764D96812C05DEDF367BF754384A084F5E9CA	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2018	TaxYr
Build TS	2020-01-14 16:20:31Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	JAMES COLLINS	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3900 CLEVELAND AVE SE	AddressLine1Txt
City	TUMWATER	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	985014023	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$19,652,269	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.OBEE.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1955	FormationYr
Legal Domicile State	WA	LegalDomicileStateCd
Activity Or Mission	CREDIT UNION IN THE STATE OF WASHINGTON. PROVIDE FINANCIAL PRODUCTS AND SERVICES TO MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	126	TotalEmployeeCnt
Total Volunteers	15	TotalVolunteersCnt
Total Gross UBI	$66,680	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$16,708,303	PYProgramServiceRevenueAmt
CY Program Service Revenue	$19,391,849	CYProgramServiceRevenueAmt
PY Investment Income	$201,499	PYInvestmentIncomeAmt
CY Investment Income	$260,420	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$16,909,802	PYTotalRevenueAmt
CY Total Revenue	$19,652,269	CYTotalRevenueAmt
PY Grants And Similar Paid	$18,000	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$18,000	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$744,799	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$907,422	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$5,672,035	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$6,407,028	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$8,436,937	PYOtherExpensesAmt
CY Other Expenses	$9,544,491	CYOtherExpensesAmt
PY Total Expenses	$14,871,771	PYTotalExpensesAmt
CY Total Expenses	$16,876,941	CYTotalExpensesAmt
PY Revenues Less Expenses	$2,038,031	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$2,775,328	CYRevenuesLessExpensesAmt
Total Assets BOY	$275,308,458	TotalAssetsBOYAmt
Total Assets EOY	$301,048,046	TotalAssetsEOYAmt
Total Liabilities BOY	$253,586,840	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$276,346,386	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$21,721,618	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$24,701,660	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	THE PURPOSE OF THE CREDIT UNION IS TO OPERATE AS A COOPERATIVE, NONPROFIT ASSOCIATION, FOR THE PURPOSE OF ENCOURAGING THRIFT AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND PROVIDING AN OPPORTUNITY FOR ITS MEMBERS TO USE AND CONTROL THEIR OWN MONEY IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	THE CREDIT UNION PROVIDES DRAFT AND SHARE ACCOUNTS, CONSUMER LOANS, SHARE CERTIFICATES AND OTHER EXEMPT FUNCTION ACTIVITIES TO ITS MEMBERS.	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
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
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	Yes (1)	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	Yes (1)	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	0	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	7779	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Employee	126	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	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	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	0	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	0	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
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	0	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	DANIEL HILDRETH	PersonNm
Phone	3605707924	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3900 CLEVELAND AVE SE	AddressLine1Txt
City	TUMWATER	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	98501	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (17 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
CAROLYN CARUSO
CHAIR	4.00	Yes (X)	Yes (X)	$0	$0	$0
WILFORD SAUNDERS
1ST VICE CHAIR	4.00	Yes (X)	Yes (X)	$0	$0	$0
CHRISTY KRIEGSMAN
2ND VICE CHAIR	4.00	Yes (X)	Yes (X)	$0	$0	$0
JERRY MURPHY
ASSISTANT SECRETARY	4.00	Yes (X)	Yes (X)	$0	$0	$0
MIRIAM BAUSCH
DIRECTOR	4.00	Yes (X)		$0	$0	$0
STEVE BLANKENSHIP
DIRECTOR	4.00	Yes (X)		$0	$0	$0
PRABAKARAN MANOHARAN
DIRECTOR	4.00	Yes (X)		$0	$0	$0
JUDITH WEEKS
DIRECTOR	4.00	Yes (X)		$0	$0	$0
JASON GORDON
DIRECTOR	4.00	Yes (X)		$0	$0	$0
JAMES COLLINS
CEO	40.00		Yes (X)	$195,672	$0	$52,922
JENNIFER ROBERTS
SVP/COO	40.00		Yes (X)	$125,471	$0	$37,246
DANIEL HILDRETH
VP FINANCE	40.00		Yes (X)	$123,337	$0	$32,857
DAVID LITTLETON
FINANCIAL ADVISOR	40.00			$145,084	$0	$29,815	Yes (X)
LEE WOJNAR
VP MARKETING	40.00			$130,644	$0	$39,325	Yes (X)
DAVID ECHTLE
CLO	40.00			$137,616	$0	$39,307	Yes (X)
MICHAEL LINDSEY
MORTGAGE LOAN OFFICER	40.00			$151,037	$0	$12,012	Yes (X)
JOLEE ROBERTS-YUNKER
MORTGAGE LOAN OFFICER	40.00			$142,090	$0	$7,463	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,150,951	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$250,947	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	8	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
FIS
601 RIVERSIDE AVENUE	JACKSONVILLE	FL	32204	CARD PROCESSOR	$1,089,789
L KEELEY CONSTRUCTION
500 S EWING AVE G	ST LOUIS	MO	63103	CONSTRUCTION	$1,042,471
JACK HENRY AND ASSOCIATES
663 W HIGHWAY 60	MONETT	MO	65708	DATA PROCESSING	$453,774
COOK SECURITY GROUP
6501 E TRENT AVENUE SUITE I	SPOKANE VALLEY	WA	99212	ATM AND EQUIPMENT SERVICING	$256,071
TECHNOLOGY UNLIMITED
6802 SOUTH 220TH ST BLDG 2	KENT	WA	98032	SUPPORT FOR BRANCH EQUIPMENT	$157,828

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	10	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp

Field	Value	IRS element (for citing)
Desc	LOAN INTEREST AND FEES	Desc
Business	522100	BusinessCd
Total Revenue Column	$19,391,849	TotalRevenueColumnAmt
Related Or Exempt Func Income	$19,325,169	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$66,680	UnrelatedBusinessRevenueAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$19,391,849	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$259,470	TotalRevenueColumnAmt
Exclusion	$259,470	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$950	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$0	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	$950	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$950	TotalRevenueColumnAmt
Exclusion	$950	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$19,652,269	TotalRevenueColumnAmt
Related Or Exempt Func Income	$19,325,169	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$66,680	UnrelatedBusinessRevenueAmt
Exclusion	$260,420	ExclusionAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part IX	Yes (X)	InfoInScheduleOPartIXInd

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$18,000	TotalAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$907,422	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$567,506	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$3,745,136	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$332,497	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,342,072	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$419,817	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$36,390	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$48,000	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$403,456	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$525,856	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$727,159	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$399,397	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$695,601	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$45,894	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$27,053	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$247,889	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$706,314	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$51,545	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
PROVISION FOR LOAN LOSS	$2,054,536
CREDIT CARD EXPENSES	$1,338,926
OPERATING EXPENSES	$928,553
LENDING EXPENSES	$536,898

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$771,024	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$16,876,941	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$5,645,853	BOYAmt
EOY	$7,230,948	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$26,052,786	BOYAmt
EOY	$5,514,837	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$431,741	BOYAmt
EOY	$483,878	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$232,501,404	BOYAmt
EOY	$274,804,383	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$354,080	BOYAmt
EOY	$1,218,975	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$13,216,816	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$6,384,673	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$5,949,264	BOYAmt
EOY	$6,832,143	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$1,085,578	BOYAmt
EOY	$1,325,258	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$3,287,752	BOYAmt
EOY	$3,637,624	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$275,308,458	BOYAmt
EOY	$301,048,046	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$3,365,558	BOYAmt
EOY	$5,585,700	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$3,033,432	BOYAmt
EOY	$8,940,000	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$247,187,850	BOYAmt
EOY	$261,820,686	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$253,586,840	BOYAmt
EOY	$276,346,386	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow SFAS117	Yes (X)	OrgDoesNotFollowSFAS117Ind

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	$21,721,618	BOYAmt
EOY	$24,701,660	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$21,721,618	BOYAmt
EOY	$24,701,660	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$275,308,458	BOYAmt
EOY	$301,048,046	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$2,775,328	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$204,714	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
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	$1,186,450	OtherCostOrOtherBasisAmt
Book Value	$1,186,450	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$6,104,830	OtherCostOrOtherBasisAmt
Depreciation	$2,622,835	DepreciationAmt
Book Value	$3,481,995	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$5,925,536	OtherCostOrOtherBasisAmt
Depreciation	$3,761,838	DepreciationAmt
Book Value	$2,163,698	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$6,832,143	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARE AND DEPOSIT ACCOUNTS	Desc
Amt	$261,820,686	Amt

Field	Value	IRS element (for citing)
Total Liability	$261,820,686	TotalLiabilityAmt

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (1)	GrantRecordsMaintainedInd

Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp

Field	Value	IRS element (for citing)
Grant Type	COLLEGE SCHOLARSHIP	GrantTypeTxt
Recipient	6	RecipientCnt
Cash Grant	$18,000	CashGrantAmt
Valuation Method Used	CASH	ValuationMethodUsedDesc
Non Cash Assistance	N/A	NonCashAssistanceDesc

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2:	FormAndLineReferenceDesc
Explanation	SCHOLARSHIP FUNDS ARE AWARDED TO INDIVIDUALS AND PAID DIRECTLY TO THE COLLEGE OR UNIVERSITY THEY ARE ATTENDING. WE PAID OUT A TOTAL OF $18,000 IN SCHOLARSHIPS ($3,000 EACH FOR SIX INDIVIDUALS) IN 2018.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
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	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (7 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
JAMES COLLINS
CEO	$171,672	$0	$24,000	$0	$0	$0	$41,638	$0	$11,284	$0	$248,594	$0	$0	$0
JENNIFER ROBERTS
SVP/COO	$109,330	$0	$16,141	$0	$0	$0	$25,917	$0	$11,329	$0	$162,717	$0	$0	$0
DANIEL HILDRETH
VP FINANCE	$107,852	$0	$15,485	$0	$0	$0	$24,729	$0	$8,128	$0	$156,194	$0	$0	$0
DAVID LITTLETON
FINANCIAL ADVISOR	$51,842	$0	$93,242	$0	$0	$0	$18,531	$0	$11,284	$0	$174,899	$0	$0	$0
LEE WOJNAR
VP MARKETING	$119,010	$0	$11,634	$0	$0	$0	$28,041	$0	$11,284	$0	$169,969	$0	$0	$0
DAVID ECHTLE
CLO	$120,439	$0	$17,177	$0	$0	$0	$27,979	$0	$11,328	$0	$176,923	$0	$0	$0
MICHAEL LINDSEY
MORTGAGE LOAN OFFICER	$23,905	$0	$127,132	$0	$0	$0	$684	$0	$11,328	$0	$163,049	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 4B	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION PARTICIPATES IN A 457(F) RETIREMENT PLAN FOR CERTAIN OFFICERS AND KEY EMPLOYEES. THE FOLLOWING EMPLOYEES RECEIVED CONTRIBUTIONS TO THIS PLAN DURING 2018: JAMES COLLINS, CEO - $15,000 LEE WOJNAR, VP MARKETING - $9,884 DAVID ECHTLE, CLO - $9,725 JENNIFER ROBERTS, SVP/COO - $9,017 DANIEL HILDRETH, VP FINANCE - $8,748	ExplanationTxt

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (11 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
LEE WOJNAR
VP OF MARKETING	HELOC	Yes (X)	$268,365	$107,900	0	Yes (1)	Yes (1)
JAMES COLLINS
CEO	AUTO LOAN	Yes (X)	$38,458	$8,052	0	Yes (1)	Yes (1)
DAVID ECHTLE
CLO	CREDIT CARD	Yes (X)	$10,000	$702	0	Yes (1)	Yes (1)
DANIEL HILDRETH
VP OF FINANCE	AUTO LOAN	Yes (X)	$18,505	$12,560	0	Yes (1)	Yes (1)
JENNIFER ROBERTS
COO	CREDIT CARD	Yes (X)	$11,964	$6,157	0	Yes (1)	Yes (1)
LEE WOJNAR
VP OF MARKETING	CREDIT CART	Yes (X)	$10,000	$6,865	0	Yes (1)	Yes (1)
JAMES COLLINS
CEO	CREDIT CARD	Yes (X)	$41,765	$30,375	0	Yes (1)	Yes (1)
JAMES COLLINS
CEO	HELOC	Yes (X)	$304,183	$211,932	0	Yes (1)	Yes (1)
DAVID ECHTLE
CLA	HELOC	Yes (X)	$20,221	$13,946	0	Yes (1)	Yes (1)
DANIEL HILDRETH
VP OF FINANCE	CREDIT CARD	Yes (X)	$12,443	$1,194	0	Yes (1)	Yes (1)
JENNIFER ROBERTS
COO	HELOC	Yes (X)	$84,976	$84,195	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$483,878	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	MEMBERSHIP IS OPEN TO ANYONE WHO LIVES OR WORKS IN WASHINGTON STATE AS WELL AS BEING RELATED TO SOMEONE WHO IS A MEMBER OF O BEE AND IS IN GOOD STANDING, AND WHO LIVES OR WORKS IN WASHINGTON STATE. AN INDIVIDUAL IS CONSIDERED A MEMBER IF THEY HAVE A SHARE OR LOAN ACCOUNT WITH THE CREDIT UNION. THE CREDIT UNION HAD 30,108 MEMBERS AS OF 12/31/2018.
FORM 990, PART VI, SECTION A, LINE 7A	EACH CREDIT UNION MEMBER MAY VOTE FOR MEMBERS OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE.
FORM 990, PART VI, SECTION A, LINE 8B	THERE ARE NO COMMITTEES THAT HAVE AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY.
FORM 990, PART VI, SECTION B, LINE 11B	THE RETURN IS SUBMITTED TO THE BOARD OF DIRECTORS FOR THEIR REVIEW BEFORE THE FILING OF THE RETURN.
FORM 990, PART VI, SECTION B, LINE 12C	ANNUALLY, DIRECTORS AND KEY EMPLOYEES MUST SIGN A CODE OF ETHICS THAT INCLUDES CONFLICT OF INTEREST GUIDELINES AND INDICATE DISCLOSURE OF ANY CONFLICTS OF INTEREST. THIS IS MONITORED VIA REVIEW OF RESPONSES TO THE ANNUAL CODE OF ETHICS DISCLOSURE. IF THERE ARE ANY CHANGES TO THE PERSON'S EMPLOYMENT OR EXTRA-CURRICULAR ACTIVITIES, THEY ARE REQUIRED TO REPORT THAT TO HUMAN RESOURCES.
FORM 990, PART VI, SECTION B, LINE 15A	CEO COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS WITH THE ASSISTANCE OF AN OUTSIDE CONSULTANT AND INDUSTRY SALARY DATA AND IS DOCUMENTED. OTHER OFFICERS OR KEY EMPLOYEES SALARIES ARE DETERMINED BY CEO AND VP OF HR USING INDUSTRY SALARY DATA.
FORM 990, PART VI, SECTION C, LINE 19	UPON REQUEST. QUARTERLY FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC VIA THE 5300 CALL REPORT.
FORM 990, PART IX, LINE 24E	LOAN EXPENSES 411,492. ATM AND NETWORK EXPENSES 181,646. COLLECTION EXPENSES 177,886.
FORM 990, PART XII, LINE 2B:	AS ALLOWED BY STATE REGULATORY AUTHORITIES, THE AUDIT IS DONE AS OF MARCH 31ST. THE REPORTING PERIOD FOR THE AUDIT, THEREFORE, DOES NOT MATCH THE REPORTING PERIOD FOR THE 990. PER THE CREDIT UNION'S MARCH 31, 2018 FINANCIAL STATEMENTS, THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AND IS EXEMPT UNDER IRC SECTION 501(C)(14) AND EXEMPT FROM FEDERAL AND STATE INCOME TAXES.