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 91-0567788)
Tax period: 2018-01-01 to 2018-12-31
Filed: 2019-11-15
IRS object ID: 201923199349320972
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 C
Schedule D
Schedule I
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2019-11-15T16:02:36-06:00	ReturnTs
Tax Period End	2018-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	910189318	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

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

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	601 W RIVERSIDE AVENUE STE 1800	AddressLine1Txt
City	SPOKANE	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	99201	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	910567788	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	HORI	BusinessNameControlTxt
Phone	5099286494	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 15128	AddressLine1Txt
City	SPOKANE VALLEY	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	99216	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	JEFF ADAMS	PersonNm
Person Title	CEO	PersonTitleTxt
Phone	5099286494	PhoneNum
Signature	2019-11-15	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	EMINA O CRESSWELL CPA	PreparerPersonNm
PTIN	P01217304	PTIN
Phone	5097472600	PhoneNum
Preparation	2019-11-15	PreparationDt

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	12.129.4.211	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2019-11-15	IPDt
IP Tm	14:38:10	IPTm
IP Timezone	PS	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	DA39A3EE5E6B4B0D3255BFEF95601890AFD80709	AtSubmissionCreationDeviceId
At Submission Filing Device Id	5A84561D947C5856B3AEF921D2AF89307CF8C361	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2018	TaxYr
Build TS	2020-03-31 21:24:44Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	JEFF ADAMS	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 15128	AddressLine1Txt
City	SPOKANE VALLEY	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	99216	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$84,349,518	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Group Exemption	1269	GroupExemptionNum
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.HZCU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1947	FormationYr
Legal Domicile State	WA	LegalDomicileStateCd
Activity Or Mission	CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES. PROVIDE FINANCIAL SERVICES TO MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	297	TotalEmployeeCnt
Total Volunteers	11	TotalVolunteersCnt
Total Gross UBI	$154,904	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$44,188,730	PYProgramServiceRevenueAmt
CY Program Service Revenue	$48,812,815	CYProgramServiceRevenueAmt
PY Investment Income	$2,021,438	PYInvestmentIncomeAmt
CY Investment Income	$2,715,117	CYInvestmentIncomeAmt
PY Other Revenue	$203,078	PYOtherRevenueAmt
CY Other Revenue	$181,620	CYOtherRevenueAmt
PY Total Revenue	$46,413,246	PYTotalRevenueAmt
CY Total Revenue	$51,709,552	CYTotalRevenueAmt
PY Grants And Similar Paid	$107,528	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$133,968	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$16,270,288	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$16,846,918	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$20,066,521	PYOtherExpensesAmt
CY Other Expenses	$23,109,867	CYOtherExpensesAmt
PY Total Expenses	$36,444,337	PYTotalExpensesAmt
CY Total Expenses	$40,090,753	CYTotalExpensesAmt
PY Revenues Less Expenses	$9,968,909	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$11,618,799	CYRevenuesLessExpensesAmt
Total Assets BOY	$947,975,803	TotalAssetsBOYAmt
Total Assets EOY	$1,056,461,334	TotalAssetsEOYAmt
Total Liabilities BOY	$840,581,532	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$937,435,208	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$107,394,271	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$119,026,126	NetAssetsOrFundBalancesEOYAmt
Mission	CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	PROVIDE FINANCIAL SERVICES TO APPROXIMATELY 74,000 MEMBERS. THESE SERVICES INCLUDE BUT ARE NOT LIMITED TO LOANS AND SAVINGS PROGRAMS. THE SERVICES ARE PROVIDED BY AT LEAST SEVEN NON-PAID VOLUNTEERS AND APPROXIMATELY 300 FULL-TIME PAID EMPLOYEES.	Desc
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	Yes (1)	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	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (1)	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	Yes (1)	GrantsToOrganizationsInd
Grants To Individuals	0	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	10879	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	297	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	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	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	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	0	LocalChaptersInd
Form990 Provided To Gvrn Body	0	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	0	RegularMonitoringEnfrcInd
Whistleblower Policy	0	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	DEBORAH PARELIUS	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	5099286494	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 15128	AddressLine1Txt
City	SPOKANE VALLEY	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	99216	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (15 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
MIKE BUTLER
DIRECTOR	1.00	Yes (X)	$0	$0	$0
TOM DILUZIO
DIRECTOR	1.00	Yes (X)	$0	$0	$0
MARK LODINE
DIRECTOR	1.00	Yes (X)	$0	$0	$0
STEVE SHARON
CHAIRMAN OF THE BOARD	1.00	Yes (X)	$0	$0	$0	Yes (X)
NANCY RIPLEY
1ST VICE CHAIRMAN	1.00	Yes (X)	$0	$0	$0	Yes (X)
BERNIE KORTH
2ND VICE CHAIRMAN	1.00	Yes (X)	$0	$0	$0	Yes (X)
PAT FITZGERALD
SECRETARY/TREASURER	1.00	Yes (X)	$0	$0	$0	Yes (X)
JEFF ADAMS
CEO	40.00		$438,986	$0	$397,953	Yes (X)
DEBORAH PARELIUS
CFO	35.00		$245,034	$0	$25,199	Yes (X)
MARK NEUMANN
COO	40.00		$252,628	$0	$23,578	Yes (X)
BRIAN GRYTDAL
VP MARKETING	40.00		$188,006	$0	$27,275		Yes (X)
JODIE OLSON
VP HUMAN RESOURCES	40.00		$165,716	$0	$29,001		Yes (X)
MICOLE COMBS
VP COMPLIANCE & SUPPORT	40.00		$138,515	$0	$24,154		Yes (X)
GREG CRARY
VICE PRESIDENT	40.00		$152,244	$0	$44,654		Yes (X)
REED LYTLE
DIRECTOR OF LENDING	40.00		$116,001	$0	$26,788		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,697,130	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$598,602	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	12	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
NCRDIGITAL INSIGHT
PO BOX 515306	LOS ANGELES	CA	90051	WEBSITE AND ELECTRONIC BANKING	$1,096,135
FISERV
405 SCIENCE DRIVE	MOORPARK	CA	93021	DATA PROCESSING	$1,012,855
CDW
200 N MILWAUKEE AVE	VERNON HILLS	IL	60061	COMPUTER HARDWARE/SOFTWARE	$488,486
DIRECT MAIL ENTERPRISES
812 N NAPA	SPOKANE	WA	99202	DIRECT MAIL SERVICE	$404,569
STANLEY PERDUE
41 CAMINO DE LOS ANGELITOS	GALISTEO	NM	87540	LEGAL	$141,600

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	20	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON MEMBER LOANS	522100	$37,966,858	$37,966,858
FEES INCOME	522100	$5,111,391	$4,956,487	$154,904
VISA & DEBIT CARD INCOME	522100	$4,018,103	$4,018,103
OTHER INCOME	525990	$1,716,463	$1,716,463

Field	Value	IRS element (for citing)
Total Program Service Revenue	$48,812,815	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$2,397,015	TotalRevenueColumnAmt
Exclusion	$2,397,015	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$188,467	RealAmt

Less Rental Expenses LessRentalExpensesGrp

Field	Value	IRS element (for citing)
Real	$6,847	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$181,620	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$181,620	TotalRevenueColumnAmt
Exclusion	$181,620	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$32,951,221	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$32,633,119	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	$318,102	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$318,102	TotalRevenueColumnAmt
Exclusion	$318,102	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$51,709,552	TotalRevenueColumnAmt
Related Or Exempt Func Income	$48,657,911	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$154,904	UnrelatedBusinessRevenueAmt
Exclusion	$2,896,737	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$129,868	TotalAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$4,100	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,383,378	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$11,318,927	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$1,280,872	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,896,339	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$967,402	TotalAmt

Fees For Services Management FeesForServicesManagementGrp

Field	Value	IRS element (for citing)
Total	$146,903	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$142,287	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$95,807	TotalAmt

Fees For Services Lobbying FeesForServicesLobbyingGrp

Field	Value	IRS element (for citing)
Total	$7,613	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$937,098	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$867,023	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$473,821	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$1,923,617	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,794,192	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$209,480	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$27,543	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$6,112,379	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,461,403	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$452,860	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
PROVISION FOR LOAN LOSS	$3,024,312
CARD PROCESSING FEES	$1,506,276
LOAN PROCESSING	$1,211,545
MEMBER SERVICING	$1,090,022

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,625,686	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$40,090,753	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$16,471,232	BOYAmt
EOY	$15,738,841	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$54,412,735	BOYAmt
EOY	$158,645,628	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$2,693,365	BOYAmt
EOY	$4,460,465	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$1,993,400	BOYAmt
EOY	$2,039,575	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$791,545,205	BOYAmt
EOY	$805,578,553	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$1,296,969	BOYAmt
EOY	$1,088,715	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$42,810,861	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$16,396,927	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$26,790,585	BOYAmt
EOY	$26,413,934	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$31,974,036	BOYAmt
EOY	$22,950,756	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$11,355	BOYAmt
EOY	$11,355	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$3,740,376	BOYAmt
EOY	$3,451,951	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$17,046,545	BOYAmt
EOY	$16,081,561	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$947,975,803	BOYAmt
EOY	$1,056,461,334	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$11,030,218	BOYAmt
EOY	$12,153,189	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$829,551,314	BOYAmt
EOY	$925,282,019	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$840,581,532	BOYAmt
EOY	$937,435,208	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	$107,394,271	BOYAmt
EOY	$119,026,126	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$107,394,271	BOYAmt
EOY	$119,026,126	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$947,975,803	BOYAmt
EOY	$1,056,461,334	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$11,618,799	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$13,056	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule C IRS990ScheduleC

Field	Value	IRS element (for citing)
Political Expenditures	$7,613	PoliticalExpendituresAmt
Expended527 Activities	$7,613	Expended527ActivitiesAmt
Total Exempt Function Expend	$7,613	TotalExemptFunctionExpendAmt
Form1120 POL Filed	Yes (1)	Form1120POLFiledInd

Section527 Political Org Section527PoliticalOrgGrp

Organization Business Name OrganizationBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CREDIT UNION LEGISLATIVE ACTION FUND	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	18000 INTERNATIONAL BLVD SUITE 350	AddressLine1Txt
City	SEATAC	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	98188	ZIPCd

Field	Value	IRS element (for citing)
EIN	800043051	EIN
Paid Internal Funds	$7,613	PaidInternalFundsAmt
Contributions Rcvd Dlvr	$5,127	ContributionsRcvdDlvrAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I-A, LINE 1:	FormAndLineReferenceDesc
Explanation	THE CREDIT UNIONS ONLY INDIRECT POLITICAL CAMPAIGN ACTIVITY IS A CONTRIBUTION TO THE CREDIT UNION LEGISLATIVE ACTION COMMITTEE.	ExplanationTxt

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$7,783,673	OtherCostOrOtherBasisAmt
Book Value	$7,783,673	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$21,879,135	OtherCostOrOtherBasisAmt
Depreciation	$6,000,429	DepreciationAmt
Book Value	$15,878,706	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$729,590	OtherCostOrOtherBasisAmt
Depreciation	$695,867	DepreciationAmt
Book Value	$33,723	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$12,068,653	OtherCostOrOtherBasisAmt
Depreciation	$9,700,631	DepreciationAmt
Book Value	$2,368,022	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$349,810	OtherCostOrOtherBasisAmt
Book Value	$349,810	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$26,413,934	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARES & DEPOSITS	Desc
Amt	$925,282,019	Amt

Field	Value	IRS element (for citing)
Total Liability	$925,282,019	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$51,398,297	TotalRevEtcAuditedFinclStmtAmt
Other Revenue	$6,847	OtherRevenueAmt
Revenue Not Reported	$6,847	RevenueNotReportedAmt
Revenue Subtotal	$51,391,450	RevenueSubtotalAmt
Other Revenues Not Included	$318,102	OtherRevenuesNotIncludedAmt
Revenue Not Reported Fincl Stmt	$318,102	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$51,709,552	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$39,779,498	TotExpnsEtcAuditedFinclStmtAmt
Other Expenses Included	$6,847	OtherExpensesIncludedAmt
Expenses Not Reported	$6,847	ExpensesNotReportedAmt
Expenses Subtotal	$39,772,651	ExpensesSubtotalAmt
Other Expenses Not Included	$318,102	OtherExpensesNotIncludedAmt
Expenses Not Rpt Fincl Stmt	$318,102	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$40,090,753	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (5 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART X, LINE 2:	THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION DESCRIBED IN 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 THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (AS DEFINED IN SECTION 512) DERIVED BY STATE-CHARTERED CREDIT UNIONS. THE SPECIFIC APPLICATION OF SECTION 512 TO THE VARIOUS ACTIVITIES CONDUCTED BY STATE-CHARTERED CREDIT UNIONS HAS BEEN AT ISSUE FOR MANY YEARS. THE INTERNAL REVENUE SERVICE ("IRS") HAS ISSUED A SERIES OF TECHNICAL ADVICE MEMORANDA ("TAM") TO A NUMBER OF STATE-CHARTERED CREDIT UNIONS LOCATED THROUGHOUT THE COUNTRY. IN THESE TAMS, THE IRS RULED CERTAIN PRODUCTS AND SERVICES TO BE SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. IN LIGHT OF THE TAMS, THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY POTENTIAL FEDERAL INCOME TAX LIABILITY. THE CREDIT UNION FILES IRS FORMS 990 AND 990-T, AS APPLICABLE, AND MEASURES AND RECOGNIZES THE IMPLICATIONS OF POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN ITS TAX RETURNS ON AN ONGOING BASIS IN ACCORDANCE WITH INCOME TAX GUIDANCE. THE CREDIT UNION HAD NO UNRECOGNIZED TAX BENEFITS OR LIABILITIES, AND NO ADJUSTMENTS TO ITS FINANCIAL POSITION, RESULTS OF OPERATIONS OR CASH FLOWS RELATED TO UNCERTAIN TAX POSITIONS TAKEN FOR THE YEAR ENDED DECEMBER 31, 2018 AND 2017. THE CREDIT UNION IS NO LONGER SUBJECT TO FEDERAL, STATE OR LOCAL INCOME TAX EXAMINATIONS BY TAX AUTHORITIES FOR 12 MONTHS PRIOR TO DECEMBER 31, 2015. IF ASSESSED, THE CREDIT UNION RECOGNIZES PENALTIES AND INTEREST ASSOCIATED WITH TAX MATTERS AS PART OF OPERATING EXPENSES. IN 2017, CONGRESS PASSED THE TAX CUTS AND JOBS ACT, WHICH IMPOSES A 21% EXCISE TAX ON EMPLOYEE COMPENSATION IN EXCESS OF $1 MILLION AND DEFERRED COMPENSATION AFTER THE EMPLOYEE HAS LEFT THE ORGANIZATION IN EXCESS OF THREE TIMES THE AVERAGE COMPENSATION OF THE PREVIOUS FIVE YEARS. THE CREDIT UNION IS EVALUATING THE EFFECT OF THE LAW MAY HAVE ON ITS STATEMENT OF FINANCIAL CONDITION BUT DOES NOT BELIEVE ITS CONDITION WILL BE SIGNIFICANTLY AFFECTED.
PART XI, LINE 2D - OTHER ADJUSTMENTS:	RENTAL EXPENSES 6,847.
PART XI, LINE 4B - OTHER ADJUSTMENTS:	GAIN ON SALE OF ASSETS 318,102.
PART XII, LINE 2D - OTHER ADJUSTMENTS:	RENTAL EXPENSES 6,847.
PART XII, LINE 4B - OTHER ADJUSTMENTS:	GAIN ON SALE OF ASSETS 318,102.

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	0	GrantRecordsMaintainedInd

Recipient Table RecipientTable

Recipient Business Name RecipientBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	NORTHWEST CREDIT UNION FOUNDATION	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	18000 INTERNATIONAL BLVD	AddressLine1Txt
City	SEATAC	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	98188	ZIPCd

Field	Value	IRS element (for citing)
Recipient EIN	911649328	RecipientEIN
IRC Section	501(C)(3)	IRCSectionDesc
Cash Grant	$7,613	CashGrantAmt
Purpose Of Grant	2018 ANNUAL CONTRIBUTION	PurposeOfGrantTxt

Field	Value	IRS element (for citing)
Total501c3 Org	1	Total501c3OrgCnt

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
Independent Consultant	Yes (X)	IndependentConsultantInd
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
JEFF ADAMS
CEO	$366,336	$0	$33,826	$0	$38,824	$0	$364,840	$0	$33,113	$0	$836,939	$0	$0	$0
DEBORAH PARELIUS
CFO	$208,607	$0	$16,694	$0	$19,733	$0	$13,468	$0	$11,731	$0	$270,233	$0	$0	$0
MARK NEUMANN
COO	$212,666	$0	$20,422	$0	$19,540	$0	$13,594	$0	$9,984	$0	$276,206	$0	$0	$0
BRIAN GRYTDAL
VP MARKETING	$147,874	$0	$15,695	$0	$24,437	$0	$15,242	$0	$12,033	$0	$215,281	$0	$0	$0
JODIE OLSON
VP HUMAN RESOURCES	$152,523	$0	$13,193	$0	$0	$0	$13,541	$0	$15,460	$0	$194,717	$0	$0	$0
MICOLE COMBS
VP COMPLIANCE & SUPPORT	$122,219	$0	$10,839	$0	$5,457	$0	$11,131	$0	$13,023	$0	$162,669	$0	$0	$0
GREG CRARY
VICE PRESIDENT	$141,372	$0	$10,152	$0	$720	$0	$13,412	$0	$31,242	$0	$196,898	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART I, LINE 1A	THE CREDIT UNION REIMBURSES LIMITED ACTUAL EXPENSES FOR SPOUSAL TRAVEL OF BOARD MEMBERS, SUPERVISORY COMMITTEE MEMBERS, THE CEO, AND SENIOR MANAGERS. THIS IS ONLY FOR TRAVEL RELATED TO CREDIT UNION BUSINESS. THE REIMBURSEMENTS ARE NOT TAXABLE COMPENSATION.
PART I, LINE 4B	JEFF ADAMS, CEO, PARTICIPATES IN A SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN. THE AMOUNT EARNED IN 2018 WAS $342,840. DEBORAH PARELIUS, CFO, AND MARK NEUMANN, COO, PARTICIPATE IN THE SPLIT-DOLLAR LIFE INSRANCE ARRANGEMENT THAT IS TREATED AS A SPLIT-DOLLAR LOAN UNDER TREASURY REGULATIONS SECTION 1.7872-15. PAPER COPIES OF THE REPRESENTATION STATEMENTS HAVE BEEN ATTACHED TO THE 990T RETURN.

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (2 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
MARK NEUMANN
COO	EXECUTIVE COMPENSATION	Yes (X)	$323,225	$415,575	0	Yes (1)	Yes (1)
DEBORAH PARELIUS
CFO	EXECUTIVE COMPENSATION	Yes (X)	$1,392,000	$1,624,000	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$2,039,575	TotalBalanceDueAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	SCHEDULE L, PART II, LINE (C) ADDITIONAL EXPLANATION:	FormAndLineReferenceDesc
Explanation	EXECUTIVE COMPENSATION UNDER A SPLIT-DOLLAR LIFE INSURANCE ARRANGEMENT THAT IS TREATED AS A SPLIT-DOLLAR LOAN UNDER TREASURY REGULATIONS SECTION 1.7872-15. PAPER COPIES OF THE REPRESENTATION STATEMENTS HAVE BEEN ATTACHED TO THE 990T RETURN.	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (6 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	ENTITY HAS MEMBERS WHO ELECT MEMBERS OF THE BOARD.
FORM 990, PART VI, SECTION A, LINE 7A	ENTITY HAS ONE CLASS OF MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7B	ENTITY HAS MEMBERS WHO HAVE RIGHTS TO RATIFY DECISIONS OF THE GOVERNING BODY.
FORM 990, PART VI, SECTION B, LINE 11B	THE CFO REVIEWS THE FORM 990 AND WILL MAKE A COMPLETE COPY OF IT AVAILABLE TO THE BOARD AT THE NOVEMBER 2019 BOARD MEETING.
FORM 990, PART VI, SECTION B, LINE 15	CEO SALARY RANGES ARE PREPARED BY HUMAN RESOURCES BASED ON INDUSTRY COMPARABILITY DATA AND IS REVIEWED BY THE COMPENSATION COMMITTEE. THE COMPENSATION COMMITTEE IS COMPRISED OF VOLUNTEER BOARD MEMBERS. CEO PERFORMANCE IS ASSESSED AND SALARY TRENDS ARE REVIEWED BY THE COMPENSATION COMMITTEE TO DETERMINE APPROPRIATE SALARY. THE SALARY RECOMMENDATION IS THEN PRESENTED TO THE FULL BOARD OF DIRECTORS FOR FINAL REVIEW AND APPROVAL. SENIOR MANAGER SALARY RANGES ARE PREPARED BY HUMAN RESOURCES BASED ON INDUSTRY COMPARABILITY DATA AND REVIEWED BY THE CEO AND THE COMPENSATION COMMITTEE. PERFORMANCE IS ASSESSED AND SALARY TRENDS ARE REVIEWED BY THE CEO TO DETERMINE RELEVANT SALARIES. EVERY FEW YEARS THE COMPENSATION DATA AND PROCESS IS REVIEWED BY AN OUTSIDE CONSULTANT.
FORM 990, PART VI, SECTION C, LINE 19	THE ORGANIZATION DOES NOT MAKE AVAILABLE TO THE PUBLIC THE ORGANIZATION'S GOVERNING DOCUMENTS OR CONFLICT OF INTEREST POLICY. THE ORGANIZATION PUBLISHES THEIR MONTHLY FINANCIAL STATEMENTS AT EACH BRANCH, AND THEIR QUARTERLY FINANCIAL STATEMENTS ARE PUBLISHED ON THE NCUA WEBSITE. THE ORGANIZATION'S ANNUAL REPORT IS AVAILABLE ON THEIR WEBSITE.