2019-11-15T14:43:12-06:00 2018-12-31 410746749 CLIFTONLARSONALLEN LLP 20 E THOMAS RD STE 2300 PHOENIX AZ 85012 990 2018-01-01 916049071 SOLARITY CREDIT UNION SOLA 5092481720 PO BOX 2922 YAKIMA WA 98907 MINA WORTHINGTON PRESIDENT/CEO 5092481720 2019-11-14 1 MARY C GREEN P00447183 6022662248 67.137.57.251 2019-11-14 15:58:21 US P FD94BE241EB30D59D427851B854338419E5FBD2E CF5DC47B04BEE981237F6452D320A88985A44A86 2018 2020-03-31 21:24:44Z MINA WORTHINGTON PO BOX 2922 YAKIMA WA 98907 37543103 0 X WWW.SOLARITYCU.ORG X 1951 WA PROVIDE FINANCIAL SERVICES TO MEMBERS. 9 9 227 9 48657 4405 0 0 33865368 36001984 1456216 1491073 22830 10958 35344414 37504015 0 0 2460803 2484718 11367358 12787857 0 0 0 18540593 15603907 32368754 30876482 2975660 6627533 750947044 746567785 655351406 643802497 95595638 102765288 PROVIDE FINANCIAL SERVICES TO MEMBERS, INCLUDING BUT NOT LIMITED TO PROVIDING REAL ESTATE AND OTHER SECURED AND UNSECURED CONSUMER LOANS, CHECKING AND SAVINGS PROGRAMS, AND CREDIT CARD SERVICES. 0 0 PROVIDE FINANCIAL SERVICES TO 60,533 MEMBERS. THESE SERVICES INCLUDE BUT ARE NOT LIMITED TO PROVIDING REAL ESTATE AND OTHER SECURED AND UNSECURED CONSUMER LOANS, CHECKING AND SAVINGS PROGRAMS AND CREDIT CARD SERVICES. 0 0 1 0 0 0 0 1 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 6204 0 227 1 1 1 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 0 0 1 1 1 1 1 1 1 1 1 1 0 X MINA WORTHINGTON 5092481720 401 TIETON DR YAKIMA WA 98902 GARY KISSLING CHAIRMAN 1.00 X X 0 0 0 GERALD KOBES VICE CHAIR 1.00 X X 0 0 0 TERRY MORGAN SECRETARY 1.00 X X 0 0 0 JAMES HURLEY BOARD MEMBER 1.00 X 0 0 0 MICHAEL MEYER BOARD MEMBER 1.00 X 0 0 0 DOUG NICHOLSON BOARD MEMBER 1.00 X 0 0 0 REGAN MYERS BOARD MEMBER 1.00 X 0 0 0 DEBORAH WELLS BOARD MEMBER 1.00 X 0 0 0 MERRILOU HARRISON BOARD MEMBER 1.00 X 0 0 0 MINA WORTHINGTON PRESIDENT/CEO 40.00 X 1305841 0 42168 RALPH CUMBEE CHIEF EXPERIENCE OFFICER 40.00 X 224078 0 30013 CHAD RITCHIE CHIEF INFORMATION OFFICER 40.00 X 237111 0 40442 CARRIE GABBARD CHIEF CREDIT OFFICER 40.00 X 215589 0 38148 MEGAN HANNA CHIEF CREDIT OFFICER 40.00 X 151719 0 2728 JONATHAN CHOE CHIEF LENDING OFFICER 40.00 X 163089 0 4221 SHAUNDA CLARK CHIEF FINANCIAL OFFICER (LEFT 4/18) 40.00 X 72620 0 13034 PATRICK HARTMAN CHIEF FINANCIAL OFFICER (LEFT 9/18) 40.00 X 73903 0 0 LILLIE HIGGENBOTHAM MORTGAGE LOAN OFFICER 40.00 X 448326 0 24895 SCOTT KAYLIE VP OF BUSINESS INTELLIGENCE 40.00 X 146687 0 16558 GENE DELUCA VP OF MORTGAGE BUSINESS DEV 40.00 X 187406 0 14539 VALENTIN VILLA MORTGAGE LOAN OFFICER 40.00 X 235665 0 22986 LORENA WITTY ACCOUNTING MANAGER 40.00 X 127006 0 8251 3589040 0 257983 17 0 1 0 THINK STACK 1300 THAMES ST SUITE G20 BALTIMORE MD 21231 INFORMATION TECHNOLOGY SERVICES 804008 JACK HENRY & ASSOCIATES PO BOX 609 MONETT MO 65708 INFORMATION TECHNOLOGY SERVICES 486151 APPRAISAL VALET 10260 SW GREENBURG ROAD SUITE 400 PORTLAND OR 97223 REAL ESTATE APPRAISAL SERVICES 385750 INFO IMAGE INC 141 JEFFERSON DRIVE MENLO PARK CA 94025 ACCOUNT STATEMENT REMITTANCE SERVICES 329204 ACCESS SOFTEK 727 ALLSTON WAY SUITE C BERKELEY CA 94710 INFORMATION TECHNOLOGY SERVICES 264316 18 INTEREST ON LOANS FROM MEMBERS 522100 27398106 27398106 FEES AND CHARGES 522100 5507034 5458377 48657 INTERCHANGE INCOME 522100 3096844 3096844 36001984 1525119 1525119 16000 5042 10958 10958 10958 34046 -34046 -34046 -34046 37504015 35953327 48657 1502031 2484718 2614704 6488822 817262 2029076 837993 88603 81627 7353 73531 2364541 755632 3067856 812031 315145 1391104 1499626 94135 PROVISION FOR LOAN LOSS 2170613 LOAN SERVICING 1614023 ATM EXPENSES 380121 887966 30876482 6464350 4998987 19281499 38014563 4314991 201807 600281022 607773017 1504411 1259959 31625792 15265337 19413160 16360455 47418257 37591639 3257100 3401200 328329 233601 48683925 36732557 750947044 746567785 17427149 15556275 1097084 1005371 60000000 62500000 576827173 564740851 655351406 643802497 X 0 0 0 0 95595638 102765288 95595638 102765288 750947044 746567785 6627533 542117 0 X 0 0 0 7353 7353 7353 1 NORTHWEST CREDIT UNION ASSOCIATION 18000 INTERNATIONAL BLVD SUTE 350 SEATAC WA 98188 910460483 7353 0 1 X 2656769 2656769 12295949 3843381 8452568 4827240 1588336 3238904 11751998 9833620 1918378 93836 93836 16360455 MEMBERS' SHARE AND SAVINGS ACCOUNT 564740851 564740851 PART IV, LINE 2B: BALANCE REPRESENTS THE HOLDING OF TAXES AND INSURANCE ACCOUNTS FOR MORTGAGE BORROWERS. X 1 1 X X X 1 1 0 MINA WORTHINGTON PRESIDENT/CEO 468513 0 0 0 837328 0 35000 0 7168 0 1348009 0 837328 0 RALPH CUMBEE CHIEF EXPERIENCE OFFICER 213951 0 0 0 10127 0 21571 0 8442 0 254091 0 0 0 CHAD RITCHIE CHIEF INFORMATION OFFICER 215911 0 0 0 21200 0 32000 0 8442 0 277553 0 0 0 CARRIE GABBARD CHIEF CREDIT OFFICER 196129 0 0 0 19460 0 30980 0 7168 0 253737 0 0 0 MEGAN HANNA CHIEF CREDIT OFFICER 65398 0 0 0 86321 0 0 0 2728 0 154447 0 0 0 JONATHAN CHOE CHIEF LENDING OFFICER 140817 0 0 0 22272 0 0 0 4221 0 167310 0 0 0 LILLIE HIGGENBOTHAM MORTGAGE LOAN OFFICER 50546 0 396820 0 960 0 16500 0 8395 0 473221 0 0 0 SCOTT KAYLIE VP OF BUSINESS INTELLIGENCE 144687 0 0 0 2000 0 8277 0 8281 0 163245 0 0 0 GENE DELUCA VP OF MORTGAGE BUSINESS DEV 82434 0 33257 0 71715 0 9764 0 4775 0 201945 0 0 0 VALENTIN VILLA MORTGAGE LOAN OFFICER 37448 0 197257 0 960 0 14631 0 8355 0 258651 0 0 0 PART I, LINES 4A-B SEVERANCE PAY WAS PAID OUT TO THE FOLLOWING EMPLOYEES: MEGAN HANNA - $86,321 GENE DELUCA - $71,715 THERE WERE NO CONTRIBUTIONS TO THE 457(F) PLAN DURING 2018. THERE WERE THE FOLLOWING DISTRIBUTIONS FROM THE 457(F) PLAN DURING 2018: MINA WORTHINGTON - $837,328 FORM 990, PART VI, SECTION A, LINE 6 PARTICIPATION IN THIS CREDIT UNION IS LIMITED TO THOSE WHO QUALIFY FOR MEMBERSHIP AS DEFINED IN THE CREDIT UNION'S CHARTER AND BYLAWS. THIS GENERALLY CONSISTS OF INDIVIDUALS WHO LIVE, WORK, WORSHIP, OR GO TO SCHOOL IN WASHINGTON STATE AND ENTERPRISES OR ORGANIZATIONS LOCATED IN THE SAME AREA IDENTIFIED, DIRECTORS, EMPLOYEES, VOLUNTEERS AND RETIREES OF ENTERPRISES OR ORGANIZATIONS, AND MEMBERS OF NORTHWEST CREDIT UNION FOUNDATION. IN ADDITION TO A REGULARLY QUALIFIED MEMBER, THE SPOUSE OF A MEMBER, THE BLOOD OR ADOPTIVE RELATIVES OF EITHER OF THEM AND THEIR SPOUSES MAY BE MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A MEMBERS VOTE ON BOARD AND COMMITTEE MEMBERS. 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 CREDIT UNION AS THEY OCCUR. FORM 990, PART VI, SECTION A, LINE 8B THERE ARE NO COMMITTEES WITH AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11B THE CFO IS RESPONSIBLE FOR THE FORM 990. THE CFO AND ACCOUNTING MANAGER REVIEW AND APPROVE FOR SUBMISSION. A COPY OF THE RETURN IS PROVIDED TO THE BOARD OF DIRECTORS PRIOR TO FILING. FORM 990, PART VI, SECTION B, LINE 12C IN ADDITION TO THE REQUIREMENTS AND RESTRICTIONS OF THE CREDIT UNION CODE OF ETHICS, NO DIRECTOR, COMMITTEE MEMBER, OFFICER, OR EMPLOYEE OF THE CREDIT UNION MAY HAVE A PECUNIARY INTEREST IN ANY CONTRACT OR TRANSACTION WITH THE CREDIT UNION UNLESS THIS INTEREST IS DISCLOSED AND MADE KNOWN TO THE BOARD OF DIRECTORS. NO DIRECTOR OR COMMITTEE MEMBER OF THE CREDIT UNION SHALL PARTICIPATE IN THE DELIBERATION OF ANY QUESTION AFFECTING THEIR OWN PECUNIARY INTEREST. SUCH DIRECTOR OR COMMITTEE MEMBER SHALL WITHDRAW FROM THE DELIBERATION AND DECISION UPON SUCH INTEREST. FORM 990, PART VI, SECTION B, LINE 15 THE BOARD OF DIRECTORS INDEPENDENTLY DETERMINES COMPENSATION FOR THE CEO BY USING INDUSTRY BENCHMARK SURVEYS. SALARY SURVEYS ARE DOCUMENTED BY HUMAN RESOURCES. DECISIONS ARE DOCUMENTED BY A MEMO THAT IS APPROVED BY THE EXECUTIVE COMMITTEE (BOARD) MEMBERS. COMPENSATION OF OTHER OFFICERS AND KEY EMPLOYEES IS PERFORMED BY THE PRESIDENT/CEO. INDUSTRY BENCHMARK SURVEYS ARE USED AND THE DECISION IS DOCUMENTED BY HUMAN RESOURCES IN THE PERSONNEL FILES OF THE EMPLOYEE. FORM 990, PART VI, SECTION C, LINE 19 GOVERNING DOCUMENTS AND POLICIES ARE NOT MADE AVAILABLE TO THE PUBLIC. FINANCIAL STATEMENTS ARE INCLUDED AS PART OF THE ANNUAL REPORT AND ARE MADE AVAILABLE TO CURRENT AND POTENTIAL MEMBERS.