2018-07-17T11:49:05-05:00 2017-12-31 910189318 MOSS ADAMS LLP 6565 AMERICAS PARKWAY NE STE 600 ALBUQUERQUE NM 87110 990 2017-01-01 840470451 CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO CRED 7195741100 7250 CAMPUS DRIVE COLORADO SPRINGS CO 809206517 MARY COON CFO 7195741100 2018-06-24 1 PAMELA ALEXANDERSON P01218925 5058787200 2018-06-24 2017 2022-09-23 18:48:47Z ENT CREDIT UNION CHAD GRAVES 7250 CAMPUS DRIVE COLORADO SPRINGS CO 809206517 210427058 0 X ENT.COM X 1991 CO THE MISSION OF ENT CREDIT UNION IS TO IMPROVE MEMBERS' QUALITY OF LIFE THROUGH EDUCATION, UNBIASED FINANCIAL ADVICE, AND ACCESS TO THE HIGHEST QUALITY FINANCIAL PRODUCTS AND SERVICES. 9 9 858 17 1279678 -638589 0 0 167763824 185161513 10072510 18657876 7878078 6457378 185714412 210276767 524525 1013952 0 0 54908352 59587172 0 0 0 73871040 94796419 129303917 155397543 56410495 54879224 4739287724 5053221792 4145306312 4402949628 593981412 650272164 THE MISSION OF ENT CREDIT UNION IS TO IMPROVE MEMBERS' QUALITY OF LIFE THROUGH EDUCATION, UNBIASED FINANCIAL ADVICE, AND ACCESS TO THE HIGHEST QUALITY FINANCIAL PRODUCTS AND SERVICES. 0 0 155397543 208997089 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. 155397543 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 268803 0 1 858 1 1 1 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 1 0 X CHAD GRAVES 7195741100 7250 CAMPUS DRIVE COLORADO SPRINGS CO 809206517 STEPHEN FUSCHER BOARD CHAIR - AS OF 9/30/17 1.00 X X 6615 0 0 LORI KURTZ BOARD CHAIR- THROUGH 9/30/17 1.00 X X 2619 0 0 RON MARTINEZ BOARD TREASURER 1.00 X X 13331 0 0 CHRIS VADALA BOARD SECRETARY- AS OF 8//29/17 1.00 X X 1488 0 0 STEVEN DUCOFF BOARD SECRETARY- THROUGH 8/29/17 1.00 X X 5735 0 0 WILLIAM AYEN BOARD MEMBER 1.00 X 6526 0 0 WALTER GLOVER BOARD MEMBER 1.00 X 12239 0 0 RICHARD KALLETTA BOARD MEMBER 1.00 X 5012 0 0 MEREDITH VAUGHAN BOARD MEMBER 1.00 X 1584 0 0 LUIS VELEZ BOARD MEMBER- THROUGH 9/30/17 1.00 X 3904 0 0 DEBBIE CHANDLER BOARD MEMBER 1.00 X 4234 0 0 PAM NICHOLSON BOARD MEMBER 1.00 X 2835 0 0 RANDY BERNSTEIN PRESIDENT/CEO- THROUGH 10/4/17 40.00 X 1655088 0 49105 CHAD GRAVES- FORMERLY SR EVP OPS PRESIDENT/CEO- AS OF 10/4/17 40.00 X 709541 0 26519 MARY COON CHIEF FINANCIAL OFFICER 40.00 X 600644 0 20311 WILLIAM VOGENEY CHIEF REVENUE OFFICER 40.00 X 674335 0 50352 MATTHEW GENDRON CHIEF ENGAGEMENT OFFICER 40.00 X 365947 0 30722 BARBARA WINTER CHIEF COMMUNITY OFFICER 40.00 X 335126 0 34418 JON PAUKOVICH CHIEF LENDING OFFICER 40.00 X 309620 0 31519 CHRIS MARSHALL CHIEF TECHNOLOGY OFFICER 40.00 X 314946 0 32400 CLINT SCHNEIDER CHIEF RISK OFFICER 40.00 X 286609 0 33272 RICH SCHOLES CHIEF EXPERIENCE OFFICER 40.00 X 233887 0 8511 SHERI FLANAGAN SVP HUMAN RESOURCES 40.00 X 264286 0 34511 WAYNE PATON SVP COMMERCIAL BANKING 40.00 X 243559 0 35211 STEPHANIE DOMBROWSKI MLO 40.00 X 532607 0 23919 KERI BILLS MLO 40.00 X 308962 0 21805 GINA ALLMAN MLO 40.00 X 292810 0 16110 TONY SLOAN MLO 40.00 X 273717 0 28122 THOMAS BECHTEL MLO 40.00 X 275707 0 19632 7743513 0 496439 111 0 1 0 COPESTONE GENERAL CONTRACTORS 1624 S 21ST ST COLORADO SPRINGS CO 80904 BRANCH CONSTRUCTION AND REMODEL 2421378 CU COOPERATIVE SYSTEM INC 9692 HAVEN AVE CUCAMONGA CA 91730 DEBIT CARD PROCESSING AND ATM 2147650 SYNERGY APPRAISAL SERVICES 3150 LIVERNOIS SUITE 310 TROY MI 48083 APPRAISAL SERVICES 1882205 VISA USA INC PO BOX 8999 SAN FRANCISCO CA 94128 PAYMENT CARD ASSOCIATION BRANDING 1756936 INLINE BILLING SERVICES INC 1600 STOUT ST SUITE 800 DENVER CO 80202 MARKET MEDIA BUYING AND PLACEMENT 1718042 95 INTEREST ON LOANS 522100 140913814 140913814 FEES/CHARGE/OTHER 522100 44247699 44247699 185161513 18624009 18624009 154323 0 154323 154323 154323 184158 150291 33867 33867 33867 GAIN ON SALE OF LOANS 522100 3241115 3241115 NON-OPERATING INCOME 900099 1782262 1782262 NON-MEMBER ATM 900099 716978 716978 562700 562700 6303055 210276767 208997089 1279678 0 1013952 6446562 31893338 3551038 14215900 3480334 171108 180000 142563 2670694 4610309 8191117 1803306 3047400 695539 45974154 5738147 398341 PROVISION FOR LOAN LOSS 7426950 DEBIT CARD SEVICES 6833641 LOAN SERVICING EXPENSE 5517279 TRAINING 406051 989820 155397543 27232714 31793198 292678827 346519457 3560248 1926495 3586895741 3985136151 2339487 2588083 96934234 42904821 42705994 54029413 431530710 337609722 4618200 64231200 10000000 10000000 337725803 219388073 4739287724 5053221792 221709737 178095438 3923596575 4224854190 4145306312 4402949628 X 0 0 0 0 593981412 650272164 593981412 650272164 4739287724 5053221792 X 54879224 -3002730 4414258 X 0 1 X 1 0 18371553 18371553 39680742 12907561 26773181 4673288 3698770 974518 34208651 26298490 7910161 54029413 SHARE DRAFT 890945276 SHARES 1049770847 MONEY MARKET 1384080795 IRA 49959960 CD 850097312 4224854190 X PART X, LINE 2: THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL AND STATE INCOME TAXES; HOWEVER, THE CREDIT UNION'S WHOLLY OWNED CUSO IS SUBJECT TO FEDERAL AND STATE INCOME TAXES. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE CONSOLIDATED FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE "MORE LIKELY THAN NOT" STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN THE INTERNAL REVENUE CODE (IRC) SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (UBI) DERIVED BY STATE-CHARTERED CREDIT UNIONS. UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNION'S ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING CONSOLIDATED FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. 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. 1 2018 US SENIOR OPEN 1 LAKE AVENUE COLORADO SPRINGS CO 80906 840155150 11667 PAYMENT 2 OF 3 COLORADO SPRINGS AMERICAN RED CROSS 1040 S 8TH STREET COLORADO SPRINGS CO 80905 530196605 501(C) 3 65556 HURRICANE HARVEY DONATION AND JEANS DAY 2 FOR 1 ENT MATCH; HOMETOWN HERO CARE AND SHARE INC PIKES PEAK REGION 2605 PREAMBLE POINT COLORADO SPRINGS CO 80915 840731930 501(C) 3 10000 2017 & 2018 RECIPE FOR HOPE- COLORADO SPRINGS AND PIKES PEAK REGION CATHOLIC CHARITIES 228 N CASCADE AVE COLORADO SPRINGS CO 80903 840586169 501(C) 3 12500 2017 & 2018 ST. PATRICK'S DAY GALA COLORADO SPRINGS CITY OF WOODLAND PARK PO BOX 9007 WOODLAND PARK CO 80866 846002740 STATE OF COLORADO 35000 DONATION (ENT DONOR FUND FOR PROGRAM SUPPORT); AQUATIC CENTER COLORADO REALTOR FOUNDATION 309 INVERNESS WAY SOUTH ENGLEWOOD CO 801125818 841152732 501(C) 3 25000 DONATION (ENT DONOR FUND FOR PROGRAM SUPPORT) DENVER COLORADO SPRINGS CONSERVATORY 415 S SAHWATCH ST COLORADO SPRINGS CO 80903 841502211 501(C) 3 15000 2018 WINE FEST COLORADO SPRINGS+$2,000 END OF YEAR CONTRIBUTION; ANNUAL GIFT COLORADO SPRINGS UTILITIES FOUNDATION PO BOX 1103 COLORADO SPRINGS CO 80947 208643063 501(C) 3 10000 PROJECT COPE DISCOVER GOODWILL 1460 GARDEN OF THE GODS ROAD COLORADO SPRINGS CO 80907 840513404 501(C) 3 10000 ANNUAL DINNER COLORADO SPRINGS; ENCHANTED WEEKEND GALA COLORADO SPRINGS GIVE CAMPAIGN 235 S NEVADA AVENUE COLORADO SPRINGS CO 80903 812029897 501(C) 3 6500 HOME SAFE CATEGORY COLORADO SPRINGS JUNIOR ACHIEVEMENT OF SOUTHERN COLORADO INC 2320 WEST COLORADO AVENUE COLORADO SPRINGS CO 80904 846009223 501(C) 3 22000 PROGRAM SUPPORT MOUNTAIN WEST CU ASSOCIATION (ELAN K'S) 2020 N CENTRAL AVENUE STE 530 PHOENIX AZ 85004 812029897 501(C) 3 23500 STAR GALA DENVER; ANNUAL MTG GOLF TOURNAMENT HOLE SPONSOR PENROSE-ST FRANCIS HEALTH FOUNDATION 2222 N NEVADA AVENUE COLORADO SPRINGS CO 80907 840902211 501(C) 3 38500 DONATION (ENT DONOR FUND FOR JOHN ZAY) COLORADO SPRINGS; END OF YEAR DONATION PIKES PEAK REGION PEACE OFFICERS MEMORIAL PO BOX 64332 COLORADO SPRINGS CO 80962 464871424 501(C) 3 20000 MEMORIAL FUND DONATION PIKES PEAK UNITED WAY 518 N NEVADA AVE COLORADO SPRINGS CO 80903 840511799 501(C) 3 33000 CORNERSTONE 2016-2017 & 2017-2018 COLORADO SPRINGS POLICE FOUNDATION OF COLORADO SPRINGS 10 LAKE CIRCLE COLORADO SPRINGS CO 80906 270926740 501(C) 3 10000 MEDAL OF VALOR COLORADO SPRINGS PUEBLO POLICE DEPARTMENT 200 SOUTH MAIN STREET PUEBLO CO 81003 846000615 STATE OF COLORADO 7500 AWARD CEREMONY PUEBLO SPRINGS RESCUE MISSION 5 W LAS VEGAS STREET COLORADO SPRINGS CO 80903 841340824 501(C) 3 7432 COLORADO SPRINGS THE NATIONAL CREDIT UNION FOUNDATION 5710 MINERAL POINT ROAD MADISON WI 537054454 391383650 501(C) 3 15000 BRONZE SUPPORTER; TROPICAL STORM HARVEY CU AID UCCS 1420 AUSTIN BLUFFS PARKWAY COLORADO SPRINGS CO 80918 846000555 501(C) 3 140000 AGREEMENT 2016 -2031 YEAR 2 COLORADO SPRINGS 19 1 PART I, LINE 2: ENT TRACKS ALL GRANTS VIA AN EXCEL SPREADSHEET MANAGED BY OUR ADMINISTRATIVE DEPARTMENT. THIS IS UPDATED BIMONTHLY ENT MAKES CONTRIBUTIONS TO ORGANIZATIONS, AGENCIES AND ACTIVITIES SERVING THE FOLLOWING PURPOSES: EDUCATION, HEALTH, HUMAN SERVICES, COMMUNITY (INCLUDING CULTURAL) DEVELOPMENT, ECONOMIC DEVELOPMENT AND MILITARY RECOGNITION AND MORALE. ALL CONTRIBUTIONS ARE TO ORGANIZATIONS HERE IN THE COMMUNITIES WE SERVE. X X X 1 1 X X X X 0 1 0 RANDY BERNSTEIN PRESIDENT/CEO- THROUGH 10/4/17 417453 0 172920 0 1064715 0 42000 0 7105 0 1704193 0 0 0 CHAD GRAVES- FORMERLY SR EVP OPS PRESIDENT/CEO- AS OF 10/4/17 386471 0 114270 0 208800 0 18000 0 8519 0 736060 0 0 0 MARY COON CHIEF FINANCIAL OFFICER 306770 0 85082 0 208792 0 18000 0 2311 0 620955 0 0 0 WILLIAM VOGENEY CHIEF REVENUE OFFICER 345988 0 110450 0 217897 0 42000 0 8352 0 724687 0 0 0 MATTHEW GENDRON CHIEF ENGAGEMENT OFFICER 272040 0 73909 0 19998 0 24000 0 6722 0 396669 0 0 0 BARBARA WINTER CHIEF COMMUNITY OFFICER 246078 0 71045 0 18003 0 27250 0 7168 0 369544 0 0 0 JON PAUKOVICH CHIEF LENDING OFFICER 245558 0 57295 0 6767 0 24000 0 7519 0 341139 0 0 0 CHRIS MARSHALL CHIEF TECHNOLOGY OFFICER 258951 0 55092 0 903 0 24813 0 7587 0 347346 0 0 0 CLINT SCHNEIDER CHIEF RISK OFFICER 224475 0 52640 0 9494 0 28400 0 4872 0 319881 0 0 0 RICH SCHOLES CHIEF EXPERIENCE OFFICER 233604 0 0 0 283 0 0 0 8511 0 242398 0 0 0 SHERI FLANAGAN SVP HUMAN RESOURCES 207516 0 46552 0 10218 0 31100 0 3411 0 298797 0 0 0 WAYNE PATON SVP COMMERCIAL BANKING 190374 0 45387 0 7798 0 29871 0 5340 0 278770 0 0 0 STEPHANIE DOMBROWSKI MLO 18035 0 504743 0 9829 0 18000 0 5919 0 556526 0 0 0 KERI BILLS MLO 20252 0 281720 0 6990 0 18000 0 3805 0 330767 0 0 0 GINA ALLMAN MLO 19601 0 268049 0 5160 0 11711 0 4399 0 308920 0 0 0 TONY SLOAN MLO 80934 0 188474 0 4309 0 24000 0 4122 0 301839 0 0 0 THOMAS BECHTEL MLO 22368 0 248100 0 5239 0 18000 0 1632 0 295339 0 0 0 PART I, LINE 1A VOLUNTEER BOARD MEMBERS ARE PROVIDED A TRAVEL AND TRAINING BUDGET. THESE FUNDS ARE USED AS EACH BOARD MEMBER DECIDED WHICH TRAINING TO ATTEND. SPOUSE/GUEST TRAVEL EXPENSES COME OUT OF THIS BUDGET. EACH YEAR, SPOUSE/GUEST TRAVEL IS REPORTED AS INCOME ON FORM 1099-MISC. THE AMOUNT OF INCREASED TAX LIABILITY FROM THOSE PAYMENTS IS PAID TO THE BOARD MEMBER AS REIMBURSEMENT FOR THE INCREASED TAX LIABILITY. THE AMOUNT OF THAT PAYMENT IS THEN REPORTED AS INCOME ON THE 1099-MISC FOR THE TAX YEAR IN WHICH IT IS PAID. PART I, LINE 4B THE CREDIT UNION MAINTAINS THREE DEFERRED COMPENSATION PLANS COVERING CERTAIN MEMBERS OF MANAGEMENT. DURING 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 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. ENTERPRISE FIRST FINANCIAL SERVICES LLC 7350 CAMPUS DR STE 200 COLORADO SPRINGS CO 80920 841514066 INSURANCE PRODUCTS CO 409404 733059 ENT CREDIT UNION