2019-05-14T17:23:07-05:00 2018-12-31 910189318 MOSS ADAMS LLP 6565 AMERICAS PARKWAY NE STE 600 ALBUQUERQUE NM 87110 990 2018-01-01 840470451 ENT CREDIT UNION ENTC 7195741100 7250 CAMPUS DRIVE COLORADO SPRINGS CO 809206517 CHAD GRAVES PRESIDENT/CEO 7195741100 2019-05-14 1 PAMELA ALEXANDERSON P01218925 5058787200 2019-05-14 12.129.7.100 2019-05-14 16:12:35 MD P DA39A3EE5E6B4B0D3255BFEF95601890AFD80709 B42E819D00EA3FB217DBD1B5F0A4C86A4E06413A 2018 2019-02-21 02:37:17Z CHAD GRAVES 7250 CAMPUS DRIVE COLORADO SPRINGS CO 809206517 244941032 0 X ENT.COM X 1991 CO THE MISSION OF ENT CREDIT UNION IS TO IMPROVE MEMBERS' QUALITY OF LIFE THROUGH EDUCATION, UNBIASED FINANCIAL ADVICE, AND ACCESS TO THE HIGHEST QUALITY FINANCIAL PRODUCTS AND SERVICES. 9 7 985 17 1451198 0 0 0 185161513 211130761 18657876 25436285 6457378 8189569 210276767 244756615 1013952 1092159 0 0 59587172 73072582 0 0 0 94796419 112265347 155397543 186430088 54879224 58326527 5053221792 5567859600 4402949628 4847885811 650272164 719973789 THE MISSION OF ENT CREDIT UNION IS TO IMPROVE MEMBERS' QUALITY OF LIFE THROUGH EDUCATION, UNBIASED FINANCIAL ADVICE, AND ACCESS TO THE HIGHEST QUALITY FINANCIAL PRODUCTS AND SERVICES. 0 0 186430088 243305417 ENT CREDIT UNION SERVES ADAMS, ARAPAHOE, BOULDER, BROOMFIELD, DENVER, DOUGLAS, ELBERT, EL PASO, FREMONT, JEFFERSON, LARIMAR, PUEBLO, TELLER AND WELD COUNTIES. THE CREDIT UNION IMPROVES OUR MEMBERS' QUALITY OF LIFE BY OFFERING A FULL ARRAY OF PRODUCTS AND SERVICES, INCLUDING DEPOSITORY AND LOAN PRODUCTS, ATM/DEBIT PROGRAM, FINANCIAL EDUCATION, INSURANCE, AND INVESTMENT SALES. WE ENDED THE YEAR WITH 338,834 MEMBERS AND 374,648 SHARE ACCOUNTS. THERE WERE 78,947 LOANS GRANTED TOTALING $2,128,945,945. ENT CREDIT UNION CURRENT OFFERS 31 BRANCH LOCATIONS WITH A WIDE ARRAY OF REMOTE OPTIONS THROUGH OUR COOPERATION WITH THE COOP ATM NETWORK, SHARED BRANCH NETWORK, AND ONLINE/MOBILE BANKING SOLUTIONS. 186430088 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 312442 0 1 985 1 1 1 0 0 0 0 0 1 0 X 9 7 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 1 0 X CHAD GRAVES 7195741100 7250 CAMPUS DRIVE COLORADO SPRINGS CO 809206517 STEVEN R FUSCHER CHAIR 1.00 X X 6432 0 0 WILLIAM AYEN VICE-CHAIR 1.00 X X 8322 0 0 RONALD MARTINEZ BOARD TREASURER 1.00 X X 17053 0 0 CHRIS VADALA BOARD SECRETARY 1.00 X X 1206 0 0 DEBBIE CHANDLER BOARD MEMBER 1.00 X 8997 0 0 WALTER GLOVER BOARD MEMBER 1.00 X 14354 0 0 RICHARD KALLETTA BOARD MEMBER 1.00 X 6365 0 0 PAM NICHOLSON BOARD MEMBER 1.00 X 2930 0 0 MEREDITH VAUGHAN BOARD MEMBER 1.00 X 1136 0 0 CHAD GRAVES PRESIDENT/CEO 40.00 X 1218130 0 488625 MARY COON CHIEF FINANCIAL OFFICER 40.00 X 848481 0 114818 WILLIAM VOGENEY CHIEF REVENUE OFFICER 40.00 X 864418 0 117965 MATTHEW GENDRON CHIEF ENGAGEMENT OFFICER 40.00 X 987542 0 41274 BARBARA WINTER CHIEF COMMUNITY OFFICER 40.00 X 358080 0 34372 JON PAUKOVICH CHIEF LENDING OFFICER 40.00 X 436395 0 156867 CHRIS MARSHALL CHIEF TECHNOLOGY OFFICER 40.00 X 620202 0 51097 CLINT SCHNEIDER CHIEF RISK OFFICER 40.00 X 710461 0 50557 RICH SCHOLES CHIEF EXPERIENCE OFFICER 40.00 X 667804 0 77042 SHARIE FLANAGAN SVP HUMAN RESOURCES 40.00 X 515992 0 46757 WAYNE PATON SVP COMMERCIAL BANKING 40.00 X 478388 0 17140 STEPHANIE DOMBROWSKI MLO 40.00 X 524718 0 31017 GINA ALLMAN MLO 40.00 X 300888 0 25730 TONY SLOAN MLO 40.00 X 265028 0 27591 SHIRLEY STANGE MLO 40.00 X 260072 0 23403 THOMAS BECHTEL MLO 40.00 X 258850 0 20670 RANDY BERNSTEIN FORMER PRESIDENT/CEO-THROUGH 10/4/17 0.00 X 331331 0 10223 9713575 0 1335148 121 1 1 0 COPESTONE GENERAL CONTRACTORS 1624 S 21ST ST COLORADO SPRINGS CO 80904 BRANCH CONSTRUCTION AND REMODEL 4404331 NATIONAL CREDIT UNION ADMINISTRATION 1775 DUKE STREET ALEXANDRIA VA 223143428 DUES AND FEES 3124394 VISA USA INC PO BOX 8999 SAN FRANCISCO CA 94128 PAYMENT CARD ASSOCIATION BRANDING 2883536 GERALD H PHIPPS INC 496 NEVADA MESA VIEW COLORADO SPRINGS CO 80907 BRANCH CONSTRUCTION AND REMODEL 2718072 ART C KLEIN CONSTRUCTION INC 3370 CHELTON LOOP S COLORADO SPRINGS CO 80909 BRANCH CONSTRUCTION AND REMODEL 2312430 108 INTEREST ON LOANS 522100 161703119 161703119 FEES/CHARGE/OTHER 522100 49427642 49427642 211130761 25620702 25620702 118177 0 118177 118177 118177 184417 -184417 -184417 -184417 NON-OPERATING INCOME 900099 3810516 3810516 GAIN ON SALE OF LOANS 522100 2809678 2809678 NON-MEMBER ATM 900099 689496 689496 761702 761702 8071392 244756615 243305417 1451198 0 1092159 8969201 36531518 6371072 17046270 4154521 378125 272750 116609 2949901 7409082 9657364 1660381 3513498 776134 46653713 6854114 401445 MEMBER GIVEBACK 11013190 DEBIT CARD SERVICES 7773758 PROVISION FOR LOAN LOSS 5582045 LOAN SERVICING EXPENSE 4646763 2606475 186430088 31793198 33846776 346519457 385128790 1926495 2629776 3985136151 4550652196 2588083 4145071 110311143 35488946 54029413 74822197 337609722 254729788 64231200 3251800 10000000 9666667 219388073 248986539 5053221792 5567859600 178095438 204898157 4224854190 4642987654 4402949628 4847885811 X 0 0 0 0 650272164 719973789 650272164 719973789 5053221792 5567859600 X 58326527 9330288 2044810 X 0 1 X 1 0 21503714 21503714 56180466 13926671 42253795 4717931 3529319 1188612 27909032 18032956 9876076 74822197 SHARE DRAFT 995389639 SHARES 1109316146 MONEY MARKET 1651865892 IRA 52263916 CD 834152061 4642987654 X PART X, LINE 2: THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL AND STATE INCOME TAXES; HOWEVER, THE CREDIT UNION'S WHOLLY OWNED CUSO IS SUBJECT TO FEDERAL AND STATE INCOME TAXES. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE CONSOLIDATED FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE "MORE LIKELY THAN NOT" STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN THE INTERNAL REVENUE CODE (IRC) SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (UBI) DERIVED BY STATE-CHARTERED CREDIT UNIONS. UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNION'S ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING CONSOLIDATED FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. 1 MOUNTAIN WEST CREDIT UNION FOUNDATION 2020 N CENTRAL AVENUE STE 530 PHOENIX AZ 85004 742232424 501(C) 3 8180 GOLF SPONSORSHIP HOLE IN ONE + 2 FOURSOMES ANNUAL CONVENTION SILVER KEY SENIOR SERVICES INC 1625 S MURRAY BLVD COLORADO SPRINGS CO 80916 237109922 501(C) 3 10000 ROCKIN THE 60'S CITY OF COLORADO SPRINGS FANNIE MAE DUNCAN TRUST FUND (DONOR FUND) 215 S TEJON STREET COLORADO SPRINGS CO 80903 846000573 501(C) 3 7500 DONATION DISCOVER GOODWILL 1460 GARDEN OF THE GODS ROAD COLORADO SPRINGS CO 80907 840513404 501(C) 3 21500 ENCHANTED WEEKEND GALA/POSSIBILITIES PROGRAM SUPPORT AMERICAN RED CROSS 1040 S 8TH STREET COLORADO SPRINGS CO 80905 530196605 501(C) 3 27500 EMERGENCY VEHICLE SUPPORT THE NATIONAL CREDIT UNION FOUNDATION 5710 MINERAL POINT ROAD MADISON WI 537054454 391383650 501(C) 3 15000 2018 CORPORATE SUPPORT/HURRICANE AID YMCA PIKES PEAK REGION 316 N TEJON STREET COLORADO SPRINGS CO 80903 840404266 501(C) 3 250000 CAPITAL CAMPAIGN 1 OF 1 PUEBLO POLICE DEPARTMENT 200 SOUTH MAIN STREET PUEBLO CO 81003 846000615 STATE OF COLORADO 7500 ANNUAL AWARDS YMCA OF THE PP REGION 316 N TEJON STREET COLORADO SPRINGS CO 80903 840404266 501(C) 3 12000 ANNUAL CAMPAIGN POLICE FOUNDATION OF COLORADO SPRINGS 10 LAKE CIRCLE COLORADO SPRINGS CO 80906 270926740 501(C) 3 12500 2018 MEDAL OF VALOR LUNCHEON THE FIRE FOUNDATION OF COLORADO SPRINGS 1306 WOOD AVENUE COLORADO SPRINGS CO 80903 813734979 501(C) 3 8333 FIRST RESPONDERS CAMPAIGN EL PASO COUNTY SHERIFF'S OFFICE FOUNDATION INC 1980 DOMINION WAY SUITE 200 COLORADO SPRINGS CO 80918 815090586 501(C) 3 8333 FIRST RESPONDERS CAMPAIGN POLICE FOUNDATION OF COLORADO SPRINGS 10 LAKE CIRCLE COLORADO SPRINGS CO 80906 270926740 501(C) 3 8333 FIRST RESPONDERS CAMPAIGN UNIVERSITY OF COLORADO FOUNDATION UCCS 1420 AUSTIN BLUFFS PARKWAY COLORADO SPRINGS CO 80918 846000555 501(C) 3 140000 AGREEMENT 2016-2031 CATHOLIC CHARITIES 228 N CASCADE AVE COLORADO SPRINGS CO 80903 840586169 501(C) 3 7500 ST. PATRICK'S DAY GALA SILVER KEY SENIOR SERVICES INC 1625 S MURRAY BLVD COLORADO SPRINGS CO 80916 237109922 501(C) 3 50000 CAPITAL CAMPAIGN 1 OF 1 PIKES PEAK UNITED WAY 518 N NEVADA AVE COLORADO SPRINGS CO 80903 840511799 501(C) 3 18500 CORNERSTONE PROGRAM 2018-2019 CARE AND SHARE PIKES PEAK REGION AND PUBLO 2605 PREAMBLE POINT COLORADO SPRINGS CO 80915 840731930 501(C) 3 10000 2019 RECIPE FOR HOPE COS/PUEBLO GIVE CAMPAIGN 235 S NEVADA AVENUE COLORADO SPRINGS CO 80903 812029897 501(C) 3 6500 HOME SAFE CATEGORY SILVER KEY 1625 S MURRAY BLVD COLORADO SPRINGS CO 80916 237109922 501(C) 3 50000 CAPITAL CAMPAIGN 2 OF 2 MOUNTAIN WEST CREDIT UNION FOUNDATION 2020 N CENTRAL AVENUE STE 530 PHOENIX AZ 85004 742232424 501(C) 3 18500 STAR GALA + 20 UNDER 40 SPONSORSHIP PIKES PEAK COMMUNITY COLLEGE FOUNDATION 5675 S ACADEMY BLVD COLORADO SPRINGS CO 80906 742182257 501(C) 3 55000 GOLDEN GALA AND SCHOLARSHIP AGREEMENT PIKES PEAK HEROES LEGACY COMMITTEE 102 S TEJON STREET SUITE 430 COLORADO SPRINGS CO 80903 272189457 501(C) 3 10000 USS ARIZONA EXHIBIT SPONSORSHIP DONALD G. STRATTON MT CARMEL VETERANS SERVICE CENTER OF EXCELLENCE 530 COMMUNICATIONS CIR COLORADO SPRINGS CO 80905 811652178 501(C) 3 10000 VETERAN RESOURCE CONNECTION PROGRAM/EMERGENCY HOUSING UNITED STATES OLYMPIC MUSEUM PO BOX 681 COLORADO SPRINGS CO 80901 463189741 501(C) 3 200000 CAPITAL CAMPAIGN CREDIT UNION NATIONAL ASSOCIATION 5710 MINERAL POINT ROAD MADISON WI 537054454 237065623 501(C) 6 333333 OPEN YOUR EYES CAMPAIGN 25 1 PART I, LINE 2: ENT TRACKS ALL GRANTS VIA AN EXCEL SPREADSHEET MANAGED BY OUR ADMINISTRATIVE DEPARTMENT. THIS IS UPDATED BIMONTHLY. ENT MAKES CONTRIBUTIONS TO ORGANIZATIONS, AGENCIES AND ACTIVITIES SERVING THE FOLLOWING PURPOSES: EDUCATION, HEALTH, HUMAN SERVICES, COMMUNITY (INCLUDING CULTURAL) DEVELOPMENT, ECONOMIC DEVELOPMENT AND MILITARY RECOGNITION AND MORALE. ALL CONTRIBUTIONS ARE TO ORGANIZATIONS HERE IN THE COMMUNITIES WE SERVE. X X X 1 1 X X X X 0 1 0 CHAD GRAVES PRESIDENT/CEO 491083 0 139240 0 587807 0 479708 0 8917 0 1706755 0 0 0 MARY COON CHIEF FINANCIAL OFFICER 343368 0 94828 0 410285 0 112240 0 2578 0 963299 0 0 0 WILLIAM VOGENEY CHIEF REVENUE OFFICER 366369 0 100959 0 397090 0 112277 0 5688 0 982383 0 0 0 MATTHEW GENDRON CHIEF ENGAGEMENT OFFICER 337592 0 92907 0 557043 0 34250 0 7024 0 1028816 0 0 0 BARBARA WINTER CHIEF COMMUNITY OFFICER 254028 0 86263 0 17789 0 28000 0 6372 0 392452 0 0 0 JON PAUKOVICH CHIEF LENDING OFFICER 262893 0 72331 0 101171 0 149560 0 7307 0 593262 0 0 0 CHRIS MARSHALL CHIEF TECHNOLOGY OFFICER 295318 0 83305 0 241579 0 43241 0 7856 0 671299 0 0 0 CLINT SCHNEIDER CHIEF RISK OFFICER 239523 0 64649 0 406289 0 43250 0 7307 0 761018 0 0 0 RICH SCHOLES CHIEF EXPERIENCE OFFICER 335698 0 92907 0 239199 0 68125 0 8917 0 744846 0 0 0 SHARIE FLANAGAN SVP HUMAN RESOURCES 271762 0 56967 0 187263 0 43250 0 3507 0 562749 0 0 0 WAYNE PATON SVP COMMERCIAL BANKING 48247 0 40879 0 389262 0 15718 0 1422 0 495528 0 0 0 STEPHANIE DOMBROWSKI MLO 23772 0 495085 0 5861 0 24750 0 6267 0 555735 0 0 0 GINA ALLMAN MLO 20747 0 275369 0 4772 0 20331 0 5399 0 326618 0 0 0 TONY SLOAN MLO 95026 0 164993 0 5009 0 23217 0 4374 0 292619 0 0 0 SHIRLEY STANGE MLO 20277 0 234722 0 5073 0 17136 0 6267 0 283475 0 0 0 THOMAS BECHTEL MLO 28126 0 225588 0 5136 0 18863 0 1807 0 279520 0 0 0 RANDY BERNSTEIN FORMER PRESIDENT/CEO-THROUGH 10/4/17 0 0 113586 0 217745 0 10223 0 0 0 341554 0 0 0 PART I, LINE 1A VOLUNTEER BOARD MEMBERS ARE PROVIDED A TRAVEL AND TRAINING BUDGET. THESE FUNDS ARE USED AS EACH BOARD MEMBER DECIDED WHICH TRAINING TO ATTEND. SPOUSE/GUEST TRAVEL EXPENSES COME OUT OF THIS BUDGET. EACH YEAR, SPOUSE/GUEST TRAVEL IS REPORTED AS INCOME ON FORM 1099-MISC. THE AMOUNT OF INCREASED TAX LIABILITY FROM THOSE PAYMENTS IS PAID TO THE BOARD MEMBER AS REIMBURSEMENT FOR THE INCREASED TAX LIABILITY. THE AMOUNT OF THAT PAYMENT IS THEN REPORTED AS INCOME ON THE 1099-MISC FOR THE TAX YEAR IN WHICH IT IS PAID. PART I, LINE 4B THE CREDIT UNION MAINTAINS THREE DEFERRED COMPENSATION PLANS COVERING CERTAIN MEMBERS OF MANAGEMENT. DURING 2018, THE FOLLOWING BENEFITS WERE ACCRUED: CHAD GRAVES - 457(F): $441,644 JON PAUKOVICH - 457(F): $125,591 WILLIAM VOGENEY - 457(F): $69,612 MARY COON - 457(F): $69,571 RICH SCHOLES - 457(F): $43,375 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION HAS MEMBERS AND THE FIELD OF MEMBERSHIP OF THIS CREDIT UNION SHALL BE LIMITED TO THOSE HAVING THE FOLLOWING COMMON BOND: A. PERSONS WHO LIVE, WORK, WORSHIP WITHIN ADAMS, ARAPAHOE, BOULDER, BROOMFIELD, DENVER, DOUGLAS, EL PASO, FREMONT, JEFFERSON, LARIMER, PUEBLO, TELLER AND WELD COUNTIES, COLORADO; B. MEMBERS OF RECORD OF THIS CREDIT UNION AS OF THE DATE OF ITS CONVERSION TO A COMMUNITY CHARTER; C. EMPLOYEES OF THIS CREDIT UNION; D. MEMBER OF THEIR IMMEDIATE FAMILIES OR HOUSEHOLDS; AND E. ORGANIZATIONS OF SUCH PERSONS. F. AS A RESULT OF MERGERS: FORMER MEMBERS OF MOUNTAIN BELL CREDIT UNION, BUCKLEY FEDERAL CREDIT UNION, FIRST CHARTER FEDERAL CREDIT UNION, DECIBEL COMMUNITY CREDIT UNION, AND US ALLIANCE FEDERAL CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 7A OUR 338,834 MEMBERS EACH ARE ALLOWED ONE VOTE DURING EACH BOARD ELECTION. 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 GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR, SUCH AS CERTAIN MERGER OPPORTUNITIES AND POTENTIAL CHARTER CONVERSIONS. FORM 990, PART VI, SECTION B, LINE 11B THE 990 IS PREPARED BY AN OUTSIDE ACCOUNTING FIRM HIRED FOR SUCH PURPOSE. DATA AND OTHER INFORMATION IS SUPPLIED TO THAT FIRM TO USE IN PREPARATION OF THE DOCUMENT. A COPY OF FORM 990 WILL BE PROVIDED TO THE BOARD OF DIRECTORS FOR REVIEW AFTER FILING. FORM 990, PART VI, SECTION B, LINE 12C THE INTERNAL AUDIT DEPARTMENT PERFORMS ANNUAL TESTING ON EMPLOYEE AND OFFICIAL ACCOUNTS FOR RATES, TERMS & CONDITIONS CONSISTENT WITH WHAT WOULD BE OFFERED TO THE GENERAL MEMBERSHIP OUTSIDE OF THE ALLOWED EMPLOYEE DISCOUNT. ANNUALLY A BOARD MONITORING REPORT IS COMPLETE TO ATTEST FOR PURCHASES WHERE NORMALLY PRUDENT PROTECTIONS HAS BEEN BEEN GIVEN AGAINST CONFLICT OF INTEREST. THIS WAS LAST COMPLETED IN SEPTEMBER 2018. FORM 990, PART VI, SECTION B, LINE 15 ENT CREDIT UNION PARTICIPATES IN MULTIPLE, PERIODIC (TYPICALLY ANNUAL) INDUSTRY SALARY SURVEYS, FOR ALL LEVELS OF THE ORGANIZATION, IN ORDER TO ASSESS MARKET PAY PRACTICES AND PROVIDE SUPPORTING DATA FOR INTERNAL RECOMMENDATIONS AND DECISIONS REGARDING PAY STRUCTURES AND INCREASES BASED ON STRATEGIC GOALS AND INITIATIVES. THE LAST COMPENSATION REVIEW WAS DONE IN 2018. FORM 990, PART VI, SECTION C, LINE 18 THE FORM 990 IS AVAILABLE UPON REQUEST. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION'S GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNION'S CONFLICT OF INTEREST POLICY IS NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNION'S FINANCIAL STATEMENTS ARE AVAILABLE FOR PUBLIC VIEWING ON NCUA.GOV VIA THE QUARTERLY 5300 FILING. FORM 990, PART XI, LINE 9: RECLASSIFICATION ADJUSTMENT FOR NET HEDGING LOSSES 2,156,310. NET CHANGE IN POST RETIREMENT BENEFITS -111,500. ENTERPRISE FIRST FINANCIAL SERVICES LLC 7350 CAMPUS DR STE 200 COLORADO SPRINGS CO 80920 841514066 INSURANCE PRODUCTS CO 0 50000 ENT CREDIT UNION