2019-11-14T16:14:16-06:00 2018-12-31 910189318 MOSS ADAMS LLP 805 SW BROADWAY STE 1200 PORTLAND OR 97205 990 2018-01-01 930492535 OREGON COMMUNITY CREDIT UNION OREG 8664557438 2880 CHAD DRIVE EUGENE OR 97408 RON NEUMANN CEO 8664557438 2019-11-12 1 WENDY CAMPOS P00448102 5032421447 2019-11-07 12.129.4.210 2019-11-12 16:18:09 PS P DA39A3EE5E6B4B0D3255BFEF95601890AFD80709 04AC3BC5301D88D6367FF888E970AED671A35C09 2018 2020-03-31 21:24:44Z RON NEUMANN 2880 CHAD DRIVE EUGENE OR 97408 93359469 0 X WWW.MYOCCU.ORG X 1956 OR TO ASSIST OUR MEMBERS IN MAKING BENEFICIAL LONG-TERM FINANCIAL DECISIONS. 7 7 461 0 775724 0 0 0 80986535 88661037 2385630 4698432 0 0 83372165 93359469 300010 443589 0 0 28850471 32373245 0 0 0 40691218 41507810 69841699 74324644 13530466 19034825 1686568182 1708221881 1545297740 1547964145 141270442 160257736 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 157,876 MEMBERS DURING 2018 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 39624 0 1 461 1 1 1 0 0 0 0 0 0 0 X 7 7 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 5416816062 2880 CHAD DRIVE EUGENE OR 97408 RONALD NEUMANN CHIEF EXECUTIVE OFFICER 50.00 X X 500213 0 51848 D AMANDA JONES CHIEF EXECUTIVE OFFICER 50.00 X X 272063 0 45038 BEVERLY ANDERSON BOARD CHAIR 8.00 X X 29167 0 0 JEANINE JENSON BOARD SECRETARY 8.00 X X 22833 0 0 GEN PARKER BOARD VICE CHAIR 8.00 X X 22833 0 0 BILL INGE BOARD MEMBER 8.00 X 22333 0 0 THOMAS LARSON BOARD MEMBER 8.00 X 21500 0 0 JOHN GOGOL ASSOCIATE DIRECTOR 8.00 X 21000 0 0 JEREMY GREEN BOARD MEMBER 8.00 X 21000 0 0 JESSICA BONIN ASSOCIATE DIRECTOR 8.00 X 9500 0 0 NICK BALTHROP ASSOCIATE DIRECTOR 8.00 X 9500 0 0 RICHARD VARNUM ASSOCIATE DIRECTOR 8.00 X 9089 0 0 DEBORAH MERSINO CHIEF EXPERIENCE & MARKETING OFFICER 50.00 X 251431 0 34947 GREGORY SCHUMACHER CHIEF FINANCIAL & ADMINISTRATIVE OFFICER 50.00 X 234122 0 16475 DARRELL STARK CHIEF RETAIL OFFICER 50.00 X 236115 0 29529 JERRY LIUDAHL CHIEF CREDIT OFFICER 50.00 X 225446 0 30445 KEVIN SCAIFE VP OF REAL ESTATE LENDING 50.00 X 185779 0 28584 SCOTT ROOTS VP OF INSURANCE AND INVESTMENT SERVICE 50.00 X 421887 0 53310 BENJAMIN WENZEL SENIOR INVESTMENT ADVISOR 50.00 X 207092 0 26937 RYAN LEW SENIOR INVESTMENT ADVISOR 50.00 X 206588 0 17652 AMY BRADLEY SENIOR MORTGAGE LOAN OFFICER 50.00 X 198033 0 30014 3127524 0 364779 56 0 1 0 MCKENZIE COMMERCIAL CONTRACTORS INC 865 W SECOND AVE EUGENE OR 97402 BUILDING REMODEL CONTRACTOR 1048398 FIS 601 RIVERSIDE AVE JACKSONVILLE FL 32204 CORE SYSTEM SERVICES 1028177 LENDING SOLUTIONS INC 2200 POINT BLVD ELGIN IL 60123 CALL CENTER OVERFLOW 876394 FISERV 255 FISERV DRIVE BROOKFIELD WI 53045 INTERNET BANKING 576950 IQ INTERACTIVE 280 INTERSTATE N CIR SE 300 ATLANTA GA 30339 MARKETING 529817 38 INTEREST ON LOANS/VISA 522100 60321878 60321878 FEES AND CHARGES 522100 10028869 10028869 VISA/ATM INTERCHANGE I 525990 9698978 9622823 76155 CREDIT CARD INTERCHANG 525990 1664446 1664446 CREDIT CARD SERVICES 525990 -17092 -716661 699569 6963958 6963958 88661037 951755 951755 3746677 0 3746677 3746677 3746677 93359469 87885313 775724 4698432 443589 1194592 24653942 1562213 3015923 1946575 157154 371891 4447777 2885134 1536609 3413861 1712982 258619 95957 7174533 2832756 467483 LOAN SERVICING EXPENSE 7427973 PROVISION FOR LOAN LOSS 6532159 BAD DEBT & OPERATING 2192922 74324644 9279672 8300811 25401981 63453619 3259951 1781141 14753400 1569565955 1546850581 10835849 8860630 37629327 21533870 16230597 16095457 9099423 7801547 42894754 40324695 1686568182 1708221881 27140182 50994685 189674 252220 1517967884 1496717240 1545297740 1547964145 X 0 0 0 0 141270442 160257736 141270442 160257736 1686568182 1708221881 19034825 -47531 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 13746952 4507538 9239414 2257929 1683706 574223 17989647 15108187 2881460 292224 234439 57785 16095457 MEMBER SHARES & SAVINGS 1496717240 1496717240 0 UNIVERSITY OF OREGON FOUNDATION 1720 E 13TH AVE SUITE 410 EUGENE OR 97403 936015767 501(C)(3) 170700 0 GENERAL SUPPORT OCCU FOUNDATION 2880 CHAD DR EUGENE OR 97408 830566255 501(C)(3) 152100 0 GENERAL SUPPORT EUGENE AREA CHAMBER OF COMMERCE 1401 WILLAMETTE STREET EUGENE OR 97401 930163290 501(C)(6) 10000 0 GENERAL SUPPORT NORTHWEST CREDIT UNION ASSOCIATION 33301 9TH AVE SOUTH SUITE 200 FEDERAL WAY WA 98003 910460483 501(C)(3) 14675 0 GENERAL SUPPORT OREGON CLUB OF EUGENE SPRINGFIELD 2300 OAKMONT WAY SUITE 108 EUGENE OR 97401 936025585 501(C)(3) 15750 0 GENERAL SUPPORT MCDONALD WHOLESALE PO BOX 2340 EUGENE OR 97402 260855703 14201 0 GENERAL SUPPORT CHILDREN'S MIRACLE NETWORK 123 INTERNATIONAL WAY SPRINGFIELD OR 97477 936026548 501(C)(3) 6950 0 GENERAL SUPPORT 5 2 X X X 0 1 0 RONALD NEUMANN CHIEF EXECUTIVE OFFICER 477343 0 22870 0 0 0 43250 0 8598 0 552061 0 0 0 D AMANDA JONES CHIEF EXECUTIVE OFFICER 210686 0 61377 0 0 0 42840 0 2198 0 317101 0 0 0 DEBORAH MERSINO CHIEF EXPERIENCE & MARKETING OFFICER 233769 0 17662 0 0 0 23772 0 11175 0 286378 0 0 0 GREGORY SCHUMACHER CHIEF FINANCIAL & ADMINISTRATIVE OFF 219122 0 15000 0 0 0 6008 0 10467 0 250597 0 0 0 DARRELL STARK CHIEF RETAIL OFFICER 219420 0 16695 0 0 0 21052 0 8477 0 265644 0 0 0 JERRY LIUDAHL CHIEF CREDIT OFFICER 205562 0 19884 0 0 0 21822 0 8623 0 255891 0 0 0 KEVIN SCAIFE VP OF REAL ESTATE LENDING 141884 0 43895 0 0 0 17671 0 10913 0 214363 0 0 0 SCOTT ROOTS VP OF INSURANCE AND INVESTMENT SERVI 63208 0 358679 0 0 0 43250 0 10060 0 475197 0 0 0 BENJAMIN WENZEL SENIOR INVESTMENT ADVISOR 50573 0 156519 0 0 0 18613 0 8324 0 234029 0 0 0 RYAN LEW SENIOR INVESTMENT ADVISOR 50069 0 156519 0 0 0 9328 0 8324 0 224240 0 0 0 AMY BRADLEY SENIOR MORTGAGE LOAN OFFICER 5266 0 192767 0 0 0 18944 0 11070 0 228047 0 0 0 PART I, LINE 4B D AMANDA JONES, 457B PLAN - $18,500 RONALD NEUMANN, 457B PLAN - $18,500 SCOTT ROOTS, 457B PLAN - $18,500 JERRY LIUDAHL CHIEF CREDIT OFFICER SPLIT DOLLAR LIFE INSURANCE X 1387993 1422373 0 1 1 RONALD NEUMANN CHIEF EXECUTIVE OFFICER SPLIT DOLLAR LIFE INSURANCE X 13295352 13331027 0 1 1 14753400 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 474415 15549477 OREGON COMMUNITY CREDIT UNION