2018-11-14T19:06:40-06:00 2017-12-31 910189318 MOSS ADAMS LLP 805 SW BROADWAY STE 1200 PORTLAND OR 97205 990 2017-01-01 930492535 OREGON COMMUNITY CREDIT UNION OREG 8664557438 2880 CHAD DRIVE EUGENE OR 97408 RON NEUMANN CEO 8664557438 2018-11-08 1 WENDY CAMPOS P00448102 5032421447 2018-11-06 12.129.7.100 2018-11-08 10:51:52 PS P 08DD87ECE05DEEEFD37E5D16ABB9D50D08622471 ED716621312A2F2E2D48E4C4B9956A35163A7570 2017 2019-02-21 02:37:17Z RON NEUMANN 2880 CHAD DRIVE EUGENE OR 97408 83372165 0 X WWW.MYOCCU.ORG X 1956 OR TO ASSIST OUR MEMBERS IN MAKING BENEFICIAL LONG-TERM FINANCIAL DECISIONS. 7 7 400 0 961633 0 0 0 72446541 80986535 2063135 2385630 0 0 74509676 83372165 0 300010 0 0 25931714 28850471 0 0 0 38443718 40691218 64375432 69841699 10134244 13530466 1581553833 1686568182 1453771369 1545297740 127782464 141270442 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 WELLBING AND THRIFT OF 150,282 MEMBERS DURING 2017 BY PROVIDING LOAN AND SAVING 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 0 0 0 0 0 0 0 0 0 1 0 0 0 1 38217 0 1 400 1 1 1 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 BEVERLY ANDERSON BOARD CHAIR 8.00 X X 22255 0 0 GENEVIEVE PARKER BOARD VICE CHAIR 8.00 X X 15836 0 0 JEANINE JENSON BOARD SECRETARY 8.00 X X 16892 0 0 KENNETH HUFFMAN BOARD MEMBER 8.00 X 6050 0 0 JEREMY GREEN BOARD MEMBER 8.00 X 15050 0 0 BILL INGE BOARD MEMBER 8.00 X 17500 0 0 THOMAS LARSON BOARD MEMBER 8.00 X 15433 0 0 JOHN GOGOL BOARD MEMBER 8.00 X 11186 0 0 D AMANDA JONES CHIEF EXECUTIVE OFFICER 50.00 X 1095752 0 58007 RONALD NEUMANN EXECUTIVE VICE PRESIDENT 50.00 X 300795 0 34704 DARRELL STARK CHIEF RETAIL OFFICER 50.00 X 220809 0 29855 JERRY LIUDAHL CHIEF CREDIT OFFICER 50.00 X 257672 0 33468 GREGORY SCHUMACHER CHIEF ADMINISTRATIVE OFFICER 50.00 X 201568 0 19783 DEBORAH MERSINO CHIEF MARKETING OFFICER 50.00 X 238206 0 43257 SCOTT ROOTS VP OF INSURANCE AND INVESTMENTS SERVICES 50.00 X 366584 0 57312 KEVIN SCAIFE DIRECTOR OF REAL ESTATE 50.00 X 192863 0 37194 AMY BRADLEY SENIOR MORTGAGE LOAN OFFICER 50.00 X 185857 0 38438 ETHAN NELSON VP OF LENDING 50.00 X 180331 0 32204 JONATHAN HEFFRON SENIOR MORTGAGE LOAN OFFICER 50.00 X 172672 0 34889 3533311 0 419111 49 0 1 0 LENDING SOLUTIONS INC 2200 POINT BLVD ELGIN IL 60123 CALL CENTER OVERFLOW 1023594 FISERV 255 FISERV DRIVE BROOKFIELD WI 53045 BANKING SERVICE 816454 FIS 601 RIVERSIDE AVE JACKSONVILLE FL 32204 CORE SYSTEM SERVICES 705092 IQ INTERACTIVE 10650-113 STREET EDMONTON ALBERTA CA MARKETING SERVICES 695401 THE ELEMENT GROUP INC 307 PASEO TESORO WALNUT CA 91789 CONTRACTOR SERVICES 652990 30 INTEREST ON LOANS/VISA 522100 54202363 54202363 FEES AND CHARGES 522100 10302279 10302279 VISA/ATM INTERCHANGE I 525990 8801393 8730860 70533 CREDIT CARD INTERCHANG 525990 1488165 1488165 CREDIT CARD SERVICES 525990 285989 -605111 891100 5906346 5906346 80986535 1610408 1610408 775222 0 775222 775222 775222 83372165 80024902 961633 2385630 300010 1451530 21369798 1473247 2711827 1844069 112611 469936 4033136 3230945 1430175 2871204 1707599 219249 68043 7198149 2639959 366650 LOAN SERVICING EXPENSE 7312846 PROVISION FOR LOAN LOSS 7233467 BAD DEBT & OPERATING 1797249 69841699 19573151 9279672 205986245 25401981 3615523 3259951 1270612259 1569565955 8787687 10835849 37108608 20878011 15992807 16230597 9534889 9099423 47451272 42894754 1581553833 1686568182 23018316 27140182 156806 189674 1430596247 1517967884 1453771369 1545297740 X 0 0 0 0 127782464 141270442 127782464 141270442 1581553833 1686568182 13530466 -42488 0 X X 0 0 0 60000 60000 60000 1 CREDIT UNION LEGISLATIVE ACTION FUND 9730 SW NIMBUS AVE BEAVERTON OR 97005 800043051 60000 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 12829709 4121455 8708254 2195222 1480300 714922 18446080 15030246 3415834 295022 246010 49012 16230597 MEMBER SHARES & SAVINGS 1517967884 1517967884 1 UNIVERSITY OF OREGON FOUNDATION 1720 E 13TH AVE SUITE 410 EUGENE OR 97403 936015767 501(C)(3) 161667 0 GENERAL SUPPORT UNITED WAY OF LANE COUNTY 3171 GATEWAY LOOP SPRINGFIELD OR 97477 930394142 501(C)(3) 20300 0 GENERAL SUPPORT EUGENE AREA CHAMBER OF COMMERCE 1401 WILLAMETTE STREET EUGENE OR 97401 930163290 501(C)(6) 12300 0 GENERAL SUPPORT LANE COMMUNITY COLLEGE 4000 EAST 30TH AVE EUGENE OR 97405 930546223 501(C)(3) 20000 0 GENERAL SUPPORT OREGON CLUB OF EUGENE SPRINGFIELD 2300 OAKMONT WAY SUITE 108 EUGENE OR 97401 936025585 501(C)(3) 7500 0 GENERAL SUPPORT ST VINCENT DE PAUL SOCIETY PO BOX 24608 EUGENE OR 97402 930454786 501(C)(3) 5894 0 GENERAL SUPPORT 5 1 X X X 0 1 0 D AMANDA JONES CHIEF EXECUTIVE OFFICER 506284 0 574719 0 14749 0 42300 0 15707 0 1153759 0 0 0 RONALD NEUMANN EXECUTIVE VICE PRESIDENT 278509 0 18686 0 3600 0 24300 0 10404 0 335499 0 0 0 DARRELL STARK CHIEF RETAIL OFFICER 202789 0 14420 0 3600 0 19551 0 10304 0 250664 0 0 0 JERRY LIUDAHL CHIEF CREDIT OFFICER 238271 0 16384 0 3017 0 22289 0 11179 0 291140 0 0 0 GREGORY SCHUMACHER CHIEF ADMINISTRATIVE OFFICER 186677 0 11591 0 3300 0 3007 0 16776 0 221351 0 0 0 DEBORAH MERSINO CHIEF MARKETING OFFICER 220348 0 14258 0 3600 0 21361 0 21896 0 281463 0 0 0 SCOTT ROOTS VP OF INSURANCE AND INVESTMENTS SERV 69562 0 297022 0 0 0 42300 0 15012 0 423896 0 0 0 KEVIN SCAIFE DIRECTOR OF REAL ESTATE 130669 0 62194 0 0 0 17298 0 19896 0 230057 0 0 0 AMY BRADLEY SENIOR MORTGAGE LOAN OFFICER 5680 0 180177 0 0 0 16688 0 21750 0 224295 0 0 0 ETHAN NELSON VP OF LENDING 168805 0 11526 0 0 0 25400 0 6804 0 212535 0 0 0 JONATHAN HEFFRON SENIOR MORTGAGE LOAN OFFICER 3742 0 168930 0 0 0 15513 0 19376 0 207561 0 0 0 PART I, LINE 4B: D AMANDA JONES, 457B PLAN - $18,000 SCOTT ROOTS, 457B PLAN - $18,000 ETHAN NELSON, 457B PLAN - $9,200 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 I 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 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 2016. 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, 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 725493 14557594 OREGON COMMUNITY CREDIT UNION