CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO: Form 990, tax year 2017
View the entire original 990 at ProPublica ↗
- Organization
- CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO (EIN 84-0470451)
- Tax period
- 2017-01-01 to 2017-12-31
- Filed
- 2018-07-17
- IRS object ID
- 201801989349301750
- Schema version
- 2017v2.3
- 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 ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2018-07-17T11:49:05-05:00 | ReturnTs |
| Tax Period End | 2017-12-31 | 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 | 6565 AMERICAS PARKWAY NE STE 600 | AddressLine1Txt |
| City | ALBUQUERQUE | CityNm |
| State Abbreviation | NM | StateAbbreviationCd |
| ZIP | 87110 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnTypeCd |
| Tax Period Begin | 2017-01-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 840470451 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | CREDIT UNIONS CHARTERED IN THE STATE OF | BusinessNameLine1Txt |
| Business Name Line2 | COLORADO | BusinessNameLine2Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | CRED | BusinessNameControlTxt |
| Phone | 7195741100 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 7250 CAMPUS DRIVE | AddressLine1Txt |
| City | COLORADO SPRINGS | CityNm |
| State Abbreviation | CO | StateAbbreviationCd |
| ZIP | 809206517 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | MARY COON | PersonNm |
| Person Title | CFO | PersonTitleTxt |
| Phone | 7195741100 | PhoneNum |
| Signature | 2018-06-24 | SignatureDt |
| Discuss With Paid Preparer | Yes (1) | DiscussWithPaidPreparerInd |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | PAMELA ALEXANDERSON | PreparerPersonNm |
| PTIN | P01218925 | PTIN |
| Phone | 5058787200 | PhoneNum |
| Preparation | 2018-06-24 | PreparationDt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2017 | TaxYr |
| Build TS | 2022-09-23 18:48:47Z | BuildTS |
Form 990 IRS990
Doing Business As Name DoingBusinessAsName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | ENT CREDIT UNION | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Principal Officer | CHAD GRAVES | PrincipalOfficerNm |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 7250 CAMPUS DRIVE | AddressLine1Txt |
| City | COLORADO SPRINGS | CityNm |
| State Abbreviation | CO | StateAbbreviationCd |
| ZIP | 809206517 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | $210,427,058 | GrossReceiptsAmt |
| Group Return For Affiliates | 0 | GroupReturnForAffiliatesInd |
| Organization501c | Yes (X) | Organization501cInd |
| Website Address | ENT.COM | WebsiteAddressTxt |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Formation | 1991 | FormationYr |
| Legal Domicile State | CO | LegalDomicileStateCd |
| Activity Or Mission | 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. | ActivityOrMissionDesc |
| Voting Members Governing Body | 9 | VotingMembersGoverningBodyCnt |
| Voting Members Independent | 9 | VotingMembersIndependentCnt |
| Total Employee | 858 | TotalEmployeeCnt |
| Total Volunteers | 17 | TotalVolunteersCnt |
| Total Gross UBI | $1,279,678 | TotalGrossUBIAmt |
| Net Unrelated Bus Txbl Incm | -$638,589 | NetUnrelatedBusTxblIncmAmt |
| PY Contributions Grants | $0 | PYContributionsGrantsAmt |
| CY Contributions Grants | $0 | CYContributionsGrantsAmt |
| PY Program Service Revenue | $167,763,824 | PYProgramServiceRevenueAmt |
| CY Program Service Revenue | $185,161,513 | CYProgramServiceRevenueAmt |
| PY Investment Income | $10,072,510 | PYInvestmentIncomeAmt |
| CY Investment Income | $18,657,876 | CYInvestmentIncomeAmt |
| PY Other Revenue | $7,878,078 | PYOtherRevenueAmt |
| CY Other Revenue | $6,457,378 | CYOtherRevenueAmt |
| PY Total Revenue | $185,714,412 | PYTotalRevenueAmt |
| CY Total Revenue | $210,276,767 | CYTotalRevenueAmt |
| PY Grants And Similar Paid | $524,525 | PYGrantsAndSimilarPaidAmt |
| CY Grants And Similar Paid | $1,013,952 | CYGrantsAndSimilarPaidAmt |
| PY Benefits Paid To Members | $0 | PYBenefitsPaidToMembersAmt |
| CY Benefits Paid To Members | $0 | CYBenefitsPaidToMembersAmt |
| PY Salaries Comp Emp Bnft Paid | $54,908,352 | PYSalariesCompEmpBnftPaidAmt |
| CY Salaries Comp Emp Bnft Paid | $59,587,172 | CYSalariesCompEmpBnftPaidAmt |
| PY Total Prof Fndrsng Expns | $0 | PYTotalProfFndrsngExpnsAmt |
| CY Total Prof Fndrsng Expns | $0 | CYTotalProfFndrsngExpnsAmt |
| CY Total Fundraising Expense | $0 | CYTotalFundraisingExpenseAmt |
| PY Other Expenses | $73,871,040 | PYOtherExpensesAmt |
| CY Other Expenses | $94,796,419 | CYOtherExpensesAmt |
| PY Total Expenses | $129,303,917 | PYTotalExpensesAmt |
| CY Total Expenses | $155,397,543 | CYTotalExpensesAmt |
| PY Revenues Less Expenses | $56,410,495 | PYRevenuesLessExpensesAmt |
| CY Revenues Less Expenses | $54,879,224 | CYRevenuesLessExpensesAmt |
| Total Assets BOY | $4,739,287,724 | TotalAssetsBOYAmt |
| Total Assets EOY | $5,053,221,792 | TotalAssetsEOYAmt |
| Total Liabilities BOY | $4,145,306,312 | TotalLiabilitiesBOYAmt |
| Total Liabilities EOY | $4,402,949,628 | TotalLiabilitiesEOYAmt |
| Net Assets Or Fund Balances BOY | $593,981,412 | NetAssetsOrFundBalancesBOYAmt |
| Net Assets Or Fund Balances EOY | $650,272,164 | NetAssetsOrFundBalancesEOYAmt |
| Mission | 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. | MissionDesc |
| Significant New Program Srvc | 0 | SignificantNewProgramSrvcInd |
| Significant Change | 0 | SignificantChangeInd |
| Expense | $155,397,543 | ExpenseAmt |
| Revenue | $208,997,089 | RevenueAmt |
| Desc | ENT CREDIT UNION SERVES FREMONT, PUEBLO, EL PASO, TELLER, DOUGLAS, ARAPAHOE, DENVER, AND JEFFERSON 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 304,172 MEMBERS AND 336,645 SHARE ACCOUNTS. THERE WERE 70,867 LOANS GRANTED TOTALING $1,910,275,718. ENT CREDIT UNION CURRENT OFFERS 29 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. | Desc |
| Total Program Service Expenses | $155,397,543 | TotalProgramServiceExpensesAmt |
| Described In Section501c3 | 0 | DescribedInSection501c3Ind |
| Schedule B Required | 0 | ScheduleBRequiredInd |
| Political Campaign Acty | 0 | 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 | 0 | IndependentAuditFinclStmtInd |
| Consolidated Audit Fincl Stmt | Yes (1) | 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 | 0 | 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 | Yes (1) | DisregardedEntityInd |
| Related Entity | 0 | RelatedEntityInd |
| Related Organization Ctrl Ent | 0 | RelatedOrganizationCtrlEntInd |
| Activities Conducted Prtshp | 0 | ActivitiesConductedPrtshpInd |
| Schedule O Required | Yes (1) | ScheduleORequiredInd |
| IRP Document | 268803 | IRPDocumentCnt |
| IRP Document W2 G | 0 | IRPDocumentW2GCnt |
| Backup Wthld Compliance | Yes (1) | BackupWthldComplianceInd |
| Employee | 858 | 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 |
| Info In Schedule O Part VI | Yes (X) | InfoInScheduleOPartVIInd |
| Governing Body Voting Members | 9 | GoverningBodyVotingMembersCnt |
| Independent Voting Member | 9 | 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 | Yes (1) | RegularMonitoringEnfrcInd |
| Whistleblower Policy | Yes (1) | 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 | CHAD GRAVES | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Phone | 7195741100 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 7250 CAMPUS DRIVE | AddressLine1Txt |
| City | COLORADO SPRINGS | CityNm |
| State Abbreviation | CO | StateAbbreviationCd |
| ZIP | 809206517 | ZIPCd |
Form990 Part VII Section A Form990PartVIISectionAGrp (29 entries)
| TitleTitleTxt | Average Hours Per WeekAverageHoursPerWeekRt | Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd | OfficerOfficerInd | Reportable Comp From OrgReportableCompFromOrgAmt | Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt | Other CompensationOtherCompensationAmt | Key EmployeeKeyEmployeeInd | Highest Compensated EmployeeHighestCompensatedEmployeeInd |
|---|---|---|---|---|---|---|---|---|
| STEPHEN FUSCHER | ||||||||
| BOARD CHAIR - AS OF 9/30/17 | 1.00 | Yes (X) | Yes (X) | $6,615 | $0 | $0 | ||
| LORI KURTZ | ||||||||
| BOARD CHAIR- THROUGH 9/30/17 | 1.00 | Yes (X) | Yes (X) | $2,619 | $0 | $0 | ||
| RON MARTINEZ | ||||||||
| BOARD TREASURER | 1.00 | Yes (X) | Yes (X) | $13,331 | $0 | $0 | ||
| CHRIS VADALA | ||||||||
| BOARD SECRETARY- AS OF 8//29/17 | 1.00 | Yes (X) | Yes (X) | $1,488 | $0 | $0 | ||
| STEVEN DUCOFF | ||||||||
| BOARD SECRETARY- THROUGH 8/29/17 | 1.00 | Yes (X) | Yes (X) | $5,735 | $0 | $0 | ||
| WILLIAM AYEN | ||||||||
| BOARD MEMBER | 1.00 | Yes (X) | $6,526 | $0 | $0 | |||
| WALTER GLOVER | ||||||||
| BOARD MEMBER | 1.00 | Yes (X) | $12,239 | $0 | $0 | |||
| RICHARD KALLETTA | ||||||||
| BOARD MEMBER | 1.00 | Yes (X) | $5,012 | $0 | $0 | |||
| MEREDITH VAUGHAN | ||||||||
| BOARD MEMBER | 1.00 | Yes (X) | $1,584 | $0 | $0 | |||
| LUIS VELEZ | ||||||||
| BOARD MEMBER- THROUGH 9/30/17 | 1.00 | Yes (X) | $3,904 | $0 | $0 | |||
| DEBBIE CHANDLER | ||||||||
| BOARD MEMBER | 1.00 | Yes (X) | $4,234 | $0 | $0 | |||
| PAM NICHOLSON | ||||||||
| BOARD MEMBER | 1.00 | Yes (X) | $2,835 | $0 | $0 | |||
| RANDY BERNSTEIN | ||||||||
| PRESIDENT/CEO- THROUGH 10/4/17 | 40.00 | Yes (X) | $1,655,088 | $0 | $49,105 | |||
| CHAD GRAVES- FORMERLY SR EVP OPS | ||||||||
| PRESIDENT/CEO- AS OF 10/4/17 | 40.00 | Yes (X) | $709,541 | $0 | $26,519 | |||
| MARY COON | ||||||||
| CHIEF FINANCIAL OFFICER | 40.00 | Yes (X) | $600,644 | $0 | $20,311 | |||
| WILLIAM VOGENEY | ||||||||
| CHIEF REVENUE OFFICER | 40.00 | $674,335 | $0 | $50,352 | Yes (X) | |||
| MATTHEW GENDRON | ||||||||
| CHIEF ENGAGEMENT OFFICER | 40.00 | $365,947 | $0 | $30,722 | Yes (X) | |||
| BARBARA WINTER | ||||||||
| CHIEF COMMUNITY OFFICER | 40.00 | $335,126 | $0 | $34,418 | Yes (X) | |||
| JON PAUKOVICH | ||||||||
| CHIEF LENDING OFFICER | 40.00 | $309,620 | $0 | $31,519 | Yes (X) | |||
| CHRIS MARSHALL | ||||||||
| CHIEF TECHNOLOGY OFFICER | 40.00 | $314,946 | $0 | $32,400 | Yes (X) | |||
| CLINT SCHNEIDER | ||||||||
| CHIEF RISK OFFICER | 40.00 | $286,609 | $0 | $33,272 | Yes (X) | |||
| RICH SCHOLES | ||||||||
| CHIEF EXPERIENCE OFFICER | 40.00 | $233,887 | $0 | $8,511 | Yes (X) | |||
| SHERI FLANAGAN | ||||||||
| SVP HUMAN RESOURCES | 40.00 | $264,286 | $0 | $34,511 | Yes (X) | |||
| WAYNE PATON | ||||||||
| SVP COMMERCIAL BANKING | 40.00 | $243,559 | $0 | $35,211 | Yes (X) | |||
| STEPHANIE DOMBROWSKI | ||||||||
| MLO | 40.00 | $532,607 | $0 | $23,919 | Yes (X) | |||
| KERI BILLS | ||||||||
| MLO | 40.00 | $308,962 | $0 | $21,805 | Yes (X) | |||
| GINA ALLMAN | ||||||||
| MLO | 40.00 | $292,810 | $0 | $16,110 | Yes (X) | |||
| TONY SLOAN | ||||||||
| MLO | 40.00 | $273,717 | $0 | $28,122 | Yes (X) | |||
| THOMAS BECHTEL | ||||||||
| MLO | 40.00 | $275,707 | $0 | $19,632 | Yes (X) | |||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | $7,743,513 | TotalReportableCompFromOrgAmt |
| Tot Reportable Comp Rltd Org | $0 | TotReportableCompRltdOrgAmt |
| Total Other Compensation | $496,439 | TotalOtherCompensationAmt |
| Indiv Rcvd Greater Than100 K | 111 | 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 |
|---|---|---|---|---|---|
| COPESTONE GENERAL CONTRACTORS | |||||
| 1624 S 21ST ST | COLORADO SPRINGS | CO | 80904 | BRANCH CONSTRUCTION AND REMODEL | $2,421,378 |
| CU COOPERATIVE SYSTEM INC | |||||
| 9692 HAVEN AVE | CUCAMONGA | CA | 91730 | DEBIT CARD PROCESSING AND ATM | $2,147,650 |
| SYNERGY APPRAISAL SERVICES | |||||
| 3150 LIVERNOIS SUITE 310 | TROY | MI | 48083 | APPRAISAL SERVICES | $1,882,205 |
| VISA USA INC | |||||
| PO BOX 8999 | SAN FRANCISCO | CA | 94128 | PAYMENT CARD ASSOCIATION BRANDING | $1,756,936 |
| INLINE BILLING SERVICES INC | |||||
| 1600 STOUT ST SUITE 800 | DENVER | CO | 80202 | MARKET MEDIA BUYING AND PLACEMENT | $1,718,042 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Cntrct Rcvd Greater Than100 K | 95 | CntrctRcvdGreaterThan100KCnt |
Program Service Revenue ProgramServiceRevenueGrp (2 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt |
|---|---|---|---|
| INTEREST ON LOANS | 522100 | $140,913,814 | $140,913,814 |
| FEES/CHARGE/OTHER | 522100 | $44,247,699 | $44,247,699 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | $185,161,513 | TotalProgramServiceRevenueAmt |
Investment Income InvestmentIncomeGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $18,624,009 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $18,624,009 | RelatedOrExemptFuncIncomeAmt |
Gross Rents GrossRentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $154,323 | RealAmt |
Less Rental Expenses LessRentalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $0 | RealAmt |
Rental Income Or Loss RentalIncomeOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $154,323 | RealAmt |
Net Rental Income Or Loss NetRentalIncomeOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $154,323 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $154,323 | RelatedOrExemptFuncIncomeAmt |
Gross Amount Sales Assets GrossAmountSalesAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | $184,158 | OtherAmt |
Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | $150,291 | OtherAmt |
Gain Or Loss GainOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | $33,867 | OtherAmt |
Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $33,867 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $33,867 | RelatedOrExemptFuncIncomeAmt |
Other Revenue Misc OtherRevenueMiscGrp (3 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt | Unrelated Business RevenueUnrelatedBusinessRevenueAmt |
|---|---|---|---|---|
| GAIN ON SALE OF LOANS | 522100 | $3,241,115 | $3,241,115 | |
| NON-OPERATING INCOME | 900099 | $1,782,262 | $1,782,262 | |
| NON-MEMBER ATM | 900099 | $716,978 | $716,978 |
Miscellaneous Revenue MiscellaneousRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $562,700 | TotalRevenueColumnAmt |
| Unrelated Business Revenue | $562,700 | UnrelatedBusinessRevenueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Revenue Total | $6,303,055 | OtherRevenueTotalAmt |
Total Revenue TotalRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $210,276,767 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $208,997,089 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $1,279,678 | UnrelatedBusinessRevenueAmt |
| Exclusion | $0 | ExclusionAmt |
Grants To Domestic Orgs GrantsToDomesticOrgsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,013,952 | TotalAmt |
Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $6,446,562 | TotalAmt |
Other Salaries And Wages OtherSalariesAndWagesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $31,893,338 | TotalAmt |
Pension Plan Contributions PensionPlanContributionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $3,551,038 | TotalAmt |
Other Employee Benefits OtherEmployeeBenefitsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $14,215,900 | TotalAmt |
Payroll Taxes PayrollTaxesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $3,480,334 | TotalAmt |
Fees For Services Legal FeesForServicesLegalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $171,108 | TotalAmt |
Fees For Services Accounting FeesForServicesAccountingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $180,000 | TotalAmt |
Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $142,563 | TotalAmt |
Fees For Services Other FeesForServicesOtherGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $2,670,694 | TotalAmt |
Advertising AdvertisingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $4,610,309 | TotalAmt |
Office Expenses OfficeExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $8,191,117 | TotalAmt |
Information Technology InformationTechnologyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,803,306 | TotalAmt |
Occupancy OccupancyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $3,047,400 | TotalAmt |
Travel TravelGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $695,539 | TotalAmt |
Interest InterestGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $45,974,154 | TotalAmt |
Depreciation Depletion DepreciationDepletionGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $5,738,147 | TotalAmt |
Insurance InsuranceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $398,341 | TotalAmt |
Other Expenses OtherExpensesGrp (4 entries)
| DescDesc | TotalTotalAmt |
|---|---|
| PROVISION FOR LOAN LOSS | $7,426,950 |
| DEBIT CARD SEVICES | $6,833,641 |
| LOAN SERVICING EXPENSE | $5,517,279 |
| TRAINING | $406,051 |
All Other Expenses AllOtherExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $989,820 | TotalAmt |
Total Functional Expenses TotalFunctionalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $155,397,543 | TotalAmt |
Cash Non Interest Bearing CashNonInterestBearingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $27,232,714 | BOYAmt |
| EOY | $31,793,198 | EOYAmt |
Savings And Temp Cash Invst SavingsAndTempCashInvstGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $292,678,827 | BOYAmt |
| EOY | $346,519,457 | EOYAmt |
Accounts Receivable AccountsReceivableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $3,560,248 | BOYAmt |
| EOY | $1,926,495 | EOYAmt |
Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $3,586,895,741 | BOYAmt |
| EOY | $3,985,136,151 | EOYAmt |
Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $2,339,487 | BOYAmt |
| EOY | $2,588,083 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Bldg Equip Cost Or Other Bss | $96,934,234 | LandBldgEquipCostOrOtherBssAmt |
| Land Bldg Equip Accum Deprec | $42,904,821 | LandBldgEquipAccumDeprecAmt |
Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $42,705,994 | BOYAmt |
| EOY | $54,029,413 | EOYAmt |
Investments Pub Traded Sec InvestmentsPubTradedSecGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $431,530,710 | BOYAmt |
| EOY | $337,609,722 | EOYAmt |
Investments Other Securities InvestmentsOtherSecuritiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $4,618,200 | BOYAmt |
| EOY | $64,231,200 | EOYAmt |
Intangible Assets IntangibleAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $10,000,000 | BOYAmt |
| EOY | $10,000,000 | EOYAmt |
Other Assets Total OtherAssetsTotalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $337,725,803 | BOYAmt |
| EOY | $219,388,073 | EOYAmt |
Total Assets TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $4,739,287,724 | BOYAmt |
| EOY | $5,053,221,792 | EOYAmt |
Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $221,709,737 | BOYAmt |
| EOY | $178,095,438 | EOYAmt |
Other Liabilities OtherLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $3,923,596,575 | BOYAmt |
| EOY | $4,224,854,190 | EOYAmt |
Total Liabilities TotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $4,145,306,312 | BOYAmt |
| EOY | $4,402,949,628 | 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 | $593,981,412 | BOYAmt |
| EOY | $650,272,164 | EOYAmt |
Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $593,981,412 | BOYAmt |
| EOY | $650,272,164 | EOYAmt |
Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $4,739,287,724 | BOYAmt |
| EOY | $5,053,221,792 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part XI | Yes (X) | InfoInScheduleOPartXIInd |
| Reconcilation Revenue Expnss | $54,879,224 | ReconcilationRevenueExpnssAmt |
| Net Unrlzd Gains Losses Invst | -$3,002,730 | NetUnrlzdGainsLossesInvstAmt |
| Other Changes In Net Assets | $4,414,258 | OtherChangesInNetAssetsAmt |
| Method Of Accounting Cash | Yes (X) | MethodOfAccountingCashInd |
| Accountant Compile Or Review | 0 | AccountantCompileOrReviewInd |
| FS Audited | Yes (1) | FSAuditedInd |
FS Audited Basis FSAuditedBasisGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Consolidated Basis Fincl Stmt | Yes (X) | ConsolidatedBasisFinclStmtInd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Audit Committee | Yes (1) | AuditCommitteeInd |
| Federal Grant Audit Required | 0 | FederalGrantAuditRequiredInd |
Schedule D IRS990ScheduleD
Land LandGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $18,371,553 | OtherCostOrOtherBasisAmt |
| Book Value | $18,371,553 | BookValueAmt |
Buildings BuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $39,680,742 | OtherCostOrOtherBasisAmt |
| Depreciation | $12,907,561 | DepreciationAmt |
| Book Value | $26,773,181 | BookValueAmt |
Leasehold Improvements LeaseholdImprovementsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $4,673,288 | OtherCostOrOtherBasisAmt |
| Depreciation | $3,698,770 | DepreciationAmt |
| Book Value | $974,518 | BookValueAmt |
Equipment EquipmentGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $34,208,651 | OtherCostOrOtherBasisAmt |
| Depreciation | $26,298,490 | DepreciationAmt |
| Book Value | $7,910,161 | BookValueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Land Buildings | $54,029,413 | TotalBookValueLandBuildingsAmt |
Other Liabilities Org OtherLiabilitiesOrgGrp (5 entries)
| DescDesc | AmtAmt |
|---|---|
| SHARE DRAFT | $890,945,276 |
| SHARES | $1,049,770,847 |
| MONEY MARKET | $1,384,080,795 |
| IRA | $49,959,960 |
| CD | $850,097,312 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Liability | $4,224,854,190 | TotalLiabilityAmt |
| Footnote Text | Yes (X) | FootnoteTextInd |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | PART X, LINE 2: | FormAndLineReferenceDesc |
| Explanation | 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. CURRENTLY, THE 2016, 2015, AND 2014 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE DIFFERENT THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS. | ExplanationTxt |
Schedule I IRS990ScheduleI
| Field | Value | IRS element (for citing) |
|---|---|---|
| Grant Records Maintained | Yes (1) | GrantRecordsMaintainedInd |
Recipient Table RecipientTable (20 entries)
| Address Line1USAddress/AddressLine1Txt | CityUSAddress/CityNm | State AbbreviationUSAddress/StateAbbreviationCd | ZIPUSAddress/ZIPCd | Recipient EINRecipientEIN | Cash GrantCashGrantAmt | Purpose Of GrantPurposeOfGrantTxt | IRC SectionIRCSectionDesc |
|---|---|---|---|---|---|---|---|
| 2018 US SENIOR OPEN | |||||||
| 1 LAKE AVENUE | COLORADO SPRINGS | CO | 80906 | 840155150 | $11,667 | PAYMENT 2 OF 3 COLORADO SPRINGS | |
| AMERICAN RED CROSS | |||||||
| 1040 S 8TH STREET | COLORADO SPRINGS | CO | 80905 | 530196605 | $65,556 | HURRICANE HARVEY DONATION AND JEANS DAY 2 FOR 1 ENT MATCH; HOMETOWN HERO | 501(C) 3 |
| CARE AND SHARE INC PIKES PEAK REGION | |||||||
| 2605 PREAMBLE POINT | COLORADO SPRINGS | CO | 80915 | 840731930 | $10,000 | 2017 & 2018 RECIPE FOR HOPE- COLORADO SPRINGS AND PIKES PEAK REGION | 501(C) 3 |
| CATHOLIC CHARITIES | |||||||
| 228 N CASCADE AVE | COLORADO SPRINGS | CO | 80903 | 840586169 | $12,500 | 2017 & 2018 ST. PATRICK'S DAY GALA COLORADO SPRINGS | 501(C) 3 |
| CITY OF WOODLAND PARK | |||||||
| PO BOX 9007 | WOODLAND PARK | CO | 80866 | 846002740 | $35,000 | DONATION (ENT DONOR FUND FOR PROGRAM SUPPORT); AQUATIC CENTER | STATE OF COLORADO |
| COLORADO REALTOR FOUNDATION | |||||||
| 309 INVERNESS WAY SOUTH | ENGLEWOOD | CO | 801125818 | 841152732 | $25,000 | DONATION (ENT DONOR FUND FOR PROGRAM SUPPORT) DENVER | 501(C) 3 |
| COLORADO SPRINGS CONSERVATORY | |||||||
| 415 S SAHWATCH ST | COLORADO SPRINGS | CO | 80903 | 841502211 | $15,000 | 2018 WINE FEST COLORADO SPRINGS+$2,000 END OF YEAR CONTRIBUTION; ANNUAL GIFT | 501(C) 3 |
| COLORADO SPRINGS UTILITIES FOUNDATION | |||||||
| PO BOX 1103 | COLORADO SPRINGS | CO | 80947 | 208643063 | $10,000 | PROJECT COPE | 501(C) 3 |
| DISCOVER GOODWILL | |||||||
| 1460 GARDEN OF THE GODS ROAD | COLORADO SPRINGS | CO | 80907 | 840513404 | $10,000 | ANNUAL DINNER COLORADO SPRINGS; ENCHANTED WEEKEND GALA COLORADO SPRINGS | 501(C) 3 |
| GIVE CAMPAIGN | |||||||
| 235 S NEVADA AVENUE | COLORADO SPRINGS | CO | 80903 | 812029897 | $6,500 | HOME SAFE CATEGORY COLORADO SPRINGS | 501(C) 3 |
| JUNIOR ACHIEVEMENT OF SOUTHERN COLORADO INC | |||||||
| 2320 WEST COLORADO AVENUE | COLORADO SPRINGS | CO | 80904 | 846009223 | $22,000 | PROGRAM SUPPORT | 501(C) 3 |
| MOUNTAIN WEST CU ASSOCIATION (ELAN K'S) | |||||||
| 2020 N CENTRAL AVENUE STE 530 | PHOENIX | AZ | 85004 | 812029897 | $23,500 | STAR GALA DENVER; ANNUAL MTG GOLF TOURNAMENT HOLE SPONSOR | 501(C) 3 |
| PENROSE-ST FRANCIS HEALTH FOUNDATION | |||||||
| 2222 N NEVADA AVENUE | COLORADO SPRINGS | CO | 80907 | 840902211 | $38,500 | DONATION (ENT DONOR FUND FOR JOHN ZAY) COLORADO SPRINGS; END OF YEAR DONATION | 501(C) 3 |
| PIKES PEAK REGION PEACE OFFICERS MEMORIAL | |||||||
| PO BOX 64332 | COLORADO SPRINGS | CO | 80962 | 464871424 | $20,000 | MEMORIAL FUND DONATION | 501(C) 3 |
| PIKES PEAK UNITED WAY | |||||||
| 518 N NEVADA AVE | COLORADO SPRINGS | CO | 80903 | 840511799 | $33,000 | CORNERSTONE 2016-2017 & 2017-2018 COLORADO SPRINGS | 501(C) 3 |
| POLICE FOUNDATION OF COLORADO SPRINGS | |||||||
| 10 LAKE CIRCLE | COLORADO SPRINGS | CO | 80906 | 270926740 | $10,000 | MEDAL OF VALOR COLORADO SPRINGS | 501(C) 3 |
| PUEBLO POLICE DEPARTMENT | |||||||
| 200 SOUTH MAIN STREET | PUEBLO | CO | 81003 | 846000615 | $7,500 | AWARD CEREMONY PUEBLO | STATE OF COLORADO |
| SPRINGS RESCUE MISSION | |||||||
| 5 W LAS VEGAS STREET | COLORADO SPRINGS | CO | 80903 | 841340824 | $7,432 | COLORADO SPRINGS | 501(C) 3 |
| THE NATIONAL CREDIT UNION FOUNDATION | |||||||
| 5710 MINERAL POINT ROAD | MADISON | WI | 537054454 | 391383650 | $15,000 | BRONZE SUPPORTER; TROPICAL STORM HARVEY CU AID | 501(C) 3 |
| UCCS | |||||||
| 1420 AUSTIN BLUFFS PARKWAY | COLORADO SPRINGS | CO | 80918 | 846000555 | $140,000 | AGREEMENT 2016 -2031 YEAR 2 COLORADO SPRINGS | 501(C) 3 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total501c3 Org | 19 | Total501c3OrgCnt |
| Total Other Org | 1 | TotalOtherOrgCnt |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | PART I, LINE 2: | FormAndLineReferenceDesc |
| Explanation | 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. | ExplanationTxt |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Travel For Companions | Yes (X) | TravelForCompanionsInd |
| Idemnification Gross Up Pmts | Yes (X) | IdemnificationGrossUpPmtsInd |
| Discretionary Spending Acct | Yes (X) | DiscretionarySpendingAcctInd |
| 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 (17 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RANDY BERNSTEIN | ||||||||||||||
| PRESIDENT/CEO- THROUGH 10/4/17 | $417,453 | $0 | $172,920 | $0 | $1,064,715 | $0 | $42,000 | $0 | $7,105 | $0 | $1,704,193 | $0 | $0 | $0 |
| CHAD GRAVES- FORMERLY SR EVP OPS | ||||||||||||||
| PRESIDENT/CEO- AS OF 10/4/17 | $386,471 | $0 | $114,270 | $0 | $208,800 | $0 | $18,000 | $0 | $8,519 | $0 | $736,060 | $0 | $0 | $0 |
| MARY COON | ||||||||||||||
| CHIEF FINANCIAL OFFICER | $306,770 | $0 | $85,082 | $0 | $208,792 | $0 | $18,000 | $0 | $2,311 | $0 | $620,955 | $0 | $0 | $0 |
| WILLIAM VOGENEY | ||||||||||||||
| CHIEF REVENUE OFFICER | $345,988 | $0 | $110,450 | $0 | $217,897 | $0 | $42,000 | $0 | $8,352 | $0 | $724,687 | $0 | $0 | $0 |
| MATTHEW GENDRON | ||||||||||||||
| CHIEF ENGAGEMENT OFFICER | $272,040 | $0 | $73,909 | $0 | $19,998 | $0 | $24,000 | $0 | $6,722 | $0 | $396,669 | $0 | $0 | $0 |
| BARBARA WINTER | ||||||||||||||
| CHIEF COMMUNITY OFFICER | $246,078 | $0 | $71,045 | $0 | $18,003 | $0 | $27,250 | $0 | $7,168 | $0 | $369,544 | $0 | $0 | $0 |
| JON PAUKOVICH | ||||||||||||||
| CHIEF LENDING OFFICER | $245,558 | $0 | $57,295 | $0 | $6,767 | $0 | $24,000 | $0 | $7,519 | $0 | $341,139 | $0 | $0 | $0 |
| CHRIS MARSHALL | ||||||||||||||
| CHIEF TECHNOLOGY OFFICER | $258,951 | $0 | $55,092 | $0 | $903 | $0 | $24,813 | $0 | $7,587 | $0 | $347,346 | $0 | $0 | $0 |
| CLINT SCHNEIDER | ||||||||||||||
| CHIEF RISK OFFICER | $224,475 | $0 | $52,640 | $0 | $9,494 | $0 | $28,400 | $0 | $4,872 | $0 | $319,881 | $0 | $0 | $0 |
| RICH SCHOLES | ||||||||||||||
| CHIEF EXPERIENCE OFFICER | $233,604 | $0 | $0 | $0 | $283 | $0 | $0 | $0 | $8,511 | $0 | $242,398 | $0 | $0 | $0 |
| SHERI FLANAGAN | ||||||||||||||
| SVP HUMAN RESOURCES | $207,516 | $0 | $46,552 | $0 | $10,218 | $0 | $31,100 | $0 | $3,411 | $0 | $298,797 | $0 | $0 | $0 |
| WAYNE PATON | ||||||||||||||
| SVP COMMERCIAL BANKING | $190,374 | $0 | $45,387 | $0 | $7,798 | $0 | $29,871 | $0 | $5,340 | $0 | $278,770 | $0 | $0 | $0 |
| STEPHANIE DOMBROWSKI | ||||||||||||||
| MLO | $18,035 | $0 | $504,743 | $0 | $9,829 | $0 | $18,000 | $0 | $5,919 | $0 | $556,526 | $0 | $0 | $0 |
| KERI BILLS | ||||||||||||||
| MLO | $20,252 | $0 | $281,720 | $0 | $6,990 | $0 | $18,000 | $0 | $3,805 | $0 | $330,767 | $0 | $0 | $0 |
| GINA ALLMAN | ||||||||||||||
| MLO | $19,601 | $0 | $268,049 | $0 | $5,160 | $0 | $11,711 | $0 | $4,399 | $0 | $308,920 | $0 | $0 | $0 |
| TONY SLOAN | ||||||||||||||
| MLO | $80,934 | $0 | $188,474 | $0 | $4,309 | $0 | $24,000 | $0 | $4,122 | $0 | $301,839 | $0 | $0 | $0 |
| THOMAS BECHTEL | ||||||||||||||
| MLO | $22,368 | $0 | $248,100 | $0 | $5,239 | $0 | $18,000 | $0 | $1,632 | $0 | $295,339 | $0 | $0 | $0 |
Supplemental Information Detail SupplementalInformationDetail (2 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| 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 2017, THE FOLLOWING BENEFITS WERE ACCRUED: BILL VOGENEY - 457(F)--$62,500 MJ COON SECTION - 457(F)--$62,500 CHAD GRAVES, 457(F)--$125,000 MATT GENDRON, 457(F)--$40,000 |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (9 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| 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 OR ATTEND SCHOOL IN AND BUSINESSES AND OTHER LEGAL ENTITIES LOCATED WITHIN ARAPAHOE, DENVER, DOUGLAS, EL PASO, FREMONT, JEFFERSON, PUEBLO AND TELLER COUNTIES, AND SPECIFIC AREAS OF WELD AND ADAMS COUNTY, 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. MEMBERS OF THEIR IMMEDIATE FAMILIES OR HOUSEHOLDS; AND E. ORGANIZATIONS OF SUCH PERSONS. F. AS THE 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 304,172 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 POTENTIAL CHARTER CONVERSIONS AND CERTAIN MERGER OPPORTUNITIES. |
| 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 2017. TESTING OF NEW HIRE PROCESS DURING 2017 HR AUDIT FOUND NO RELATIVES OF EMPLOYEES OR OFFICIALS WERE HIRED DURING SCOPE PERIOD. THIS IS TESTED WITH EACH HR/PAYROLL AUDIT WHICH IS TYPICALLY ON A THIRD YEAR ROTATION. |
| 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 2017. |
| 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 5,370,252. NET CHANGE IN POST RETIREMENT BENEFITS -955,994. |
Schedule R IRS990ScheduleR
Id Disregarded Entities IdDisregardedEntitiesGrp
Disregarded Entity Name DisregardedEntityName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | ENTERPRISE FIRST FINANCIAL SERVICES LLC | BusinessNameLine1Txt |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 7350 CAMPUS DR STE 200 | AddressLine1Txt |
| City | COLORADO SPRINGS | CityNm |
| State Abbreviation | CO | StateAbbreviationCd |
| ZIP | 80920 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 841514066 | EIN |
| Primary Activities | INSURANCE PRODUCTS | PrimaryActivitiesTxt |
| Legal Domicile State | CO | LegalDomicileStateCd |
| Total Income | $409,404 | TotalIncomeAmt |
| End Of Year Assets | $733,059 | EndOfYearAssetsAmt |
Direct Controlling Entity Name DirectControllingEntityName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | ENT CREDIT UNION | BusinessNameLine1Txt |
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