ONPOINT COMMUNITY CREDIT UNION: Form 990, tax year 2017

View the entire original 990 at ProPublica ↗

Organization: ONPOINT COMMUNITY CREDIT UNION (EIN 93-0257765)
Tax period: 2017-01-01 to 2017-12-31
Filed: 2018-05-10
IRS object ID: 201841309349301424
Schema version: 2017v2.2
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 O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2018-05-10T09:48:42-05:00	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	805 SW BROADWAY STE 1200	AddressLine1Txt
City	PORTLAND	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97205	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	930257765	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	ONPO	BusinessNameControlTxt
Phone	5032731764	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 3750	AddressLine1Txt
City	PORTLAND	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	972083750	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	JAMES HUNT	PersonNm
Person Title	SVP/CFO	PersonTitleTxt
Phone	5032731764	PhoneNum
Signature	2018-05-07	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	WENDY CAMPOS	PreparerPersonNm
PTIN	P00448102	PTIN
Phone	5032421447	PhoneNum
Preparation	2018-05-01	PreparationDt

Field	Value	IRS element (for citing)
Tax	2017	TaxYr
Build TS	2022-09-23 18:48:47Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	ROBERT STUART	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 3750	AddressLine1Txt
City	PORTLAND	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	972083750	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$206,077,978	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.ONPOINTCU.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1932	FormationYr
Legal Domicile State	OR	LegalDomicileStateCd
Activity Or Mission	PROMOTE THE FINANCIAL WELL-BEING OF CREDIT UNION MEMBERS THROUGH FINANCIAL PRODUCTS AND SERVICES.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	6	VotingMembersIndependentCnt
Total Employee	792	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$852,579	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$394,599	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$160,743,650	PYProgramServiceRevenueAmt
CY Program Service Revenue	$181,755,146	CYProgramServiceRevenueAmt
PY Investment Income	$14,589,680	PYInvestmentIncomeAmt
CY Investment Income	$20,072,098	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$175,333,330	PYTotalRevenueAmt
CY Total Revenue	$201,827,244	CYTotalRevenueAmt
PY Grants And Similar Paid	$357,918	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$509,798	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$55,701,839	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$60,750,378	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$67,951,132	PYOtherExpensesAmt
CY Other Expenses	$76,292,401	CYOtherExpensesAmt
PY Total Expenses	$124,010,889	PYTotalExpensesAmt
CY Total Expenses	$137,552,577	CYTotalExpensesAmt
PY Revenues Less Expenses	$51,322,441	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$64,274,667	CYRevenuesLessExpensesAmt
Total Assets BOY	$4,561,054,380	TotalAssetsBOYAmt
Total Assets EOY	$5,129,362,102	TotalAssetsEOYAmt
Total Liabilities BOY	$4,078,785,361	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$4,582,061,041	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$482,269,019	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$547,301,061	NetAssetsOrFundBalancesEOYAmt
Mission	THE PURPOSE OF ONPOINT IS TO PROMOTE THE FINANCIAL WELL-BEING OF OUR MEMBERS BY BEING THE PREFERRED PROVIDER OF CONSUMER PRODUCTS AND SERVICES AND TO ENSURE THE SAFETY AND SOUNDNESS OF OUR CREDIT UNION.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	IN 2017, MEMBERSHIP IN THE CREDIT UNION GREW TO 337,757 MEMBERS. ONPOINT COMMUNITY CREDIT UNION PROVIDED THE MEMBERSHIP WITH FINANCIAL SERVICES, INCLUDING THE PROVISION OF 191,937 LOANS AND 743,285 DEPOSIT ACCOUNTS TO MEMBERS AT COMPETITIVE RATES.	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	Yes (1)	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	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	87860	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	792	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	6	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	Yes (1)	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	0	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	STEVE BROUILLET CONTROLLER	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	5032214118	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2701 NW VAUGHN STREET SUITE 800	AddressLine1Txt
City	PORTLAND	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97210	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (22 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
T TSURUTA
BOARD CHAIR	13.00	Yes (X)	Yes (X)	$34,800	$0	$0
K MORRIS
BOARD VICE CHAIR	6.50	Yes (X)	Yes (X)	$28,303	$0	$0
M MROCZEK
BOARD SECRETARY	6.50	Yes (X)	Yes (X)	$27,205	$0	$0
C HARMS
DIRECTOR	6.50	Yes (X)		$30,759	$0	$0
K SCHWARTZROCK
DIRECTOR	6.50	Yes (X)		$26,800	$0	$0
L SCHULWITZ
DIRECTOR	6.50	Yes (X)		$27,600	$0	$0
S NARENDRA
DIRECTOR	6.50	Yes (X)		$13,400	$0	$0
L JOHNSON
DIRECTOR	6.50	Yes (X)		$31,584	$0	$0
S GOLDSCHMIDT
DIRECTOR	6.50	Yes (X)		$33,503	$0	$0
W PEDERSON
DIRECTOR	6.50	Yes (X)		$13,400	$0	$0
R STUART
PRESIDENT/CEO	50.00		Yes (X)	$1,370,596	$0	$806,364
J HUNT
SVP/CHIEF FINANCIAL OFFICER	45.00		Yes (X)	$977,153	$0	$130,116
C MILAM
SVP/CHIEF LENDING OFFICER	45.00		Yes (X)	$338,171	$0	$39,033
T MCVAY SVPCHIEF RETAIL
OFFICER & WEALTH MGT EXEC	45.00			$636,567	$0	$394,666	Yes (X)
J ARMSTRONG SVPCHIEF INFO
OFFICER & HR EXECUTIVE	45.00			$543,832	$0	$354,365	Yes (X)
V ERVIN
SVP/CHIEF COMPLIANCE OFFICER	45.00			$380,951	$0	$246,929	Yes (X)
S OWEN
SVP/CHIEF OPERATIONS OFFICER	45.00			$538,267	$0	$348,815	Yes (X)
A EMERSON
VP/ONPOINT MORTGAGE	45.00			$423,713	$0	$91,276		Yes (X)
M MONTGOMERY
MORTGAGE LOAN OFFICER	45.00			$307,818	$0	$34,371		Yes (X)
K LUIDHARDT
MORTGAGE LOAN OFFICER	45.00			$304,583	$0	$35,043		Yes (X)
M DUKART
MORTGAGE LOAN OFFICER	45.00			$283,386	$0	$33,419		Yes (X)
M LINDSAY
INVESTMENT MANAGER	45.00			$248,559	$0	$28,872		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$6,620,950	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$2,543,269	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	90	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
WEBER MARKETING GROUP
225 TERRY AVE N SUITE 400	SEATTLE	WA	98109	MARKETING AND PROMOTIONAL	$4,794,228
FISERV
75 REMITTANCE DR SUITE 1698	CHICAGO	IL	60675	ONLINE BANKING	$4,600,116
PAYMENT SYSTEMS FOR CREDIT UNIONS
560 CARILLON PARKWAY	ST PETERSBURG	FL	33716	CREDIT CARD PROCESSING	$3,111,385
P&C CONSTRUCTION COMPANY
2133 NW YORK STREET	PORTLAND	OR	97210	CONSTRUCTION	$3,041,339
FIRST CHOICE NW APPRAISAL MGMT INC
6700 SW 105TH AVE	BEAVERTON	OR	97008	REAL ESTATE APPRAISAL	$2,699,825

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	78	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST MEMBER LOANS	522100	$118,414,848	$118,414,848
INTERCHANGE INCOME	522100	$31,889,905	$31,889,905
OTHER OPERATING INCOME	522100	$18,312,551	$17,617,640	$694,911
SERVICE FEES	522100	$13,137,842	$12,980,174	$157,668

Field	Value	IRS element (for citing)
Total Program Service Revenue	$181,755,146	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$19,610,477	TotalRevenueColumnAmt
Exclusion	$19,610,477	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$4,712,355	SecuritiesAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$4,245,512	SecuritiesAmt
Other	$5,222	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$466,843	SecuritiesAmt
Other	-$5,222	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$461,621	TotalRevenueColumnAmt
Exclusion	$461,621	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$201,827,244	TotalRevenueColumnAmt
Related Or Exempt Func Income	$180,902,567	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$852,579	UnrelatedBusinessRevenueAmt
Exclusion	$20,072,098	ExclusionAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part IX	Yes (X)	InfoInScheduleOPartIXInd

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$509,798	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$7,373,179	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$37,999,689	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$3,865,590	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$7,516,188	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$3,995,732	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$220,594	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$56,580	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$21,128,366	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$6,232,004	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$7,773,210	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$7,288,421	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$7,564,180	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$575,491	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$370,722	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$11,144,450	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$3,688,724	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$489,521	TotalAmt

Other Expenses OtherExpensesGrp

Field	Value	IRS element (for citing)
Desc	PROVISION FOR LOAN LOSS	Desc
Total	$2,999,240	TotalAmt

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$6,760,898	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$137,552,577	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$516,882,673	BOYAmt
EOY	$829,191,968	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$9,035,143	BOYAmt
EOY	$19,112,980	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$9,688,128	BOYAmt
EOY	$9,981,851	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$2,940,740,537	BOYAmt
EOY	$3,303,085,898	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$5,833,562	BOYAmt
EOY	$4,955,215	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$41,322,021	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$25,387,500	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$12,662,440	BOYAmt
EOY	$15,934,521	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$926,739,520	BOYAmt
EOY	$786,754,255	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$45,575,282	BOYAmt
EOY	$59,443,222	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$93,897,095	BOYAmt
EOY	$100,902,192	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$4,561,054,380	BOYAmt
EOY	$5,129,362,102	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$61,166,709	BOYAmt
EOY	$68,258,528	EOYAmt

Deferred Revenue DeferredRevenueGrp

Field	Value	IRS element (for citing)
BOY	$3,061,246	BOYAmt
EOY	$2,986,843	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$2,370,337	BOYAmt
EOY	$3,476,200	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$122,226,548	BOYAmt
EOY	$329,877,725	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$3,889,960,521	BOYAmt
EOY	$4,177,461,745	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$4,078,785,361	BOYAmt
EOY	$4,582,061,041	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	$482,269,019	BOYAmt
EOY	$547,301,061	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$482,269,019	BOYAmt
EOY	$547,301,061	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$4,561,054,380	BOYAmt
EOY	$5,129,362,102	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$64,274,667	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$757,375	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	$38,667	PoliticalExpendituresAmt
Internal Funds Contributed	$38,667	InternalFundsContributedAmt
Total Exempt Function Expend	$38,667	TotalExemptFunctionExpendAmt
Form1120 POL Filed	Yes (1)	Form1120POLFiledInd

Section527 Political Org Section527PoliticalOrgGrp

Organization Business Name OrganizationBusinessName

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

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	18000 INTERNATIONAL BLVD 305	AddressLine1Txt
City	SEATAC	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	98188	ZIPCd

Field	Value	IRS element (for citing)
EIN	910460483	EIN
Paid Internal Funds	$38,667	PaidInternalFundsAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I-A, LINE 1:	FormAndLineReferenceDesc
Explanation	THE CONTRIBUTION WAS TO THE CREDIT UNION LEGISLATIVE ACTION FUND, WHICH ENHANCES CREDIT UNIONS' VISIBILITY AMONG LAWMAKERS AND BUILDS STRONG POLITICAL RELATIONSHIPS.	ExplanationTxt

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	0	AgentTrusteeEtcInd
Incl Escrow Custodial Acct Liab	Yes (1)	InclEscrowCustodialAcctLiabInd
Explanation Provided	Yes (X)	ExplanationProvidedInd

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,259,636	OtherCostOrOtherBasisAmt
Book Value	$1,259,636	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,463,386	OtherCostOrOtherBasisAmt
Depreciation	$1,387,229	DepreciationAmt
Book Value	$2,076,157	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$14,476,781	OtherCostOrOtherBasisAmt
Depreciation	$9,483,290	DepreciationAmt
Book Value	$4,993,491	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$22,122,218	OtherCostOrOtherBasisAmt
Depreciation	$14,516,981	DepreciationAmt
Book Value	$7,605,237	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$15,934,521	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (5 entries)

DescDesc	AmtAmt
SAVINGS	$1,044,835,995
CHECKING	$1,149,295,187
MONEY MARKET ACCOUNTS	$1,408,476,811
INDIVIDUAL RETIREMENT ACCOUNTS	$193,826,279
CERTIFICATES OF DEPOSIT	$381,027,473

Field	Value	IRS element (for citing)
Total Liability	$4,177,461,745	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$202,584,619	TotalRevEtcAuditedFinclStmtAmt
Net Unrealized Gains Invst	$757,375	NetUnrealizedGainsInvstAmt
Revenue Not Reported	$757,375	RevenueNotReportedAmt
Revenue Subtotal	$201,827,244	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$201,827,244	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$137,552,577	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$137,552,577	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$137,552,577	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc

ExplanationExplanationTxt

PART IV, LINE 2B:

THE FUNDS ONPOINT COLLECTS FOR TAXES AND INSURANCE ON BEHALF OF ITS MEMBERS ARE HELD IN AN ESCROW ACCOUNT AND INCLUDED WITHIN THE BALANCE SHEET.

PART X, LINE 2:

THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL INCOME TAXES. THE CREDIT UNION IS A STATE CHARTERED CREDIT UNION DESCRIBED IN 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. AN EXEMPT ORGANIZATION RETURN AND UNRELATED BUSINESS INCOME TAX RETURNS ARE FILED ANNUALLY WITH THE APPLICABLE FEDERAL AND STATE TAX JURISDICTIONS. FASB CODIFICATION TOPIC 740, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE MORE LIKELY THAN NOT TO BE SUSTAINED "WHEN CHALLENGED OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS NOT DEEMED TO MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016, MANAGEMENT HAS DETERMINED THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. THE CREDIT UNION RECOGNIZES INTEREST ACCRUED AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS AS AN ADMINISTRATIVE EXPENSE. NO INTEREST AND PENALTIES WERE RECOGNIZED FOR THE YEARS ENDED DECEMBER 31, 2017 AND 2016.

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (1)	GrantRecordsMaintainedInd

Recipient Table RecipientTable (12 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	Recipient EINRecipientEIN	IRC SectionIRCSectionDesc	Cash GrantCashGrantAmt	Purpose Of GrantPurposeOfGrantTxt
CHILDREN'S MIRACLE NETWORK HOSPITALS
205 WEST 700 SOUTH	SALT LAKE CITY	UT	84101	870387205	501(C)(3)	$64,500	COMMUNITY OUTREACH
DOERNBECHER CHILDREN'S HOSPITAL FOUNDATION
1121 SW SALMON ST STE 100	PORTLAND	OR	97205	930579589	501(C)(3)	$61,338	COMMUNITY OUTREACH
OREGON HUMANE SOCIETY
1067 NE COLUMBIA BLVD	PORTLAND	OR	97211	930386880	501(C)(3)	$53,473	COMMUNITY OUTREACH
SCHOOLHOUSE SUPPLIES
2735 NE 82ND AVE	PORTLAND	OR	97220	204223437	501(C)(3)	$37,850	COMMUNITY OUTREACH
OREGON FOOD BANK
7900 NE 33RD DR	PORTLAND	OR	97211	930785786	501(C)(3)	$34,680	COMMUNITY OUTREACH
THE NATURE CONSERVANCY
821 SE 14TH AVE	PORTLAND	OR	97214	530242652	501(C)(3)	$25,720	COMMUNITY OUTREACH
FINANCIAL BEGINNINGS CORPORATION
9600 SW CAPITOL HWY	PORTLAND	OR	97219	203530960	501(C)(3)	$10,000	COMMUNITY OUTREACH
PORTLAND HOUSING CENTER
3233 NE SANDY BLVD	PORTLAND	OR	97232	931111589	501(C)(3)	$10,000	COMMUNITY OUTREACH
ST CLARE SCHOOL
1807 FREEMAN ST	PORTLAND	OR	97219	930465871	501(C)(3)	$10,000	COMMUNITY OUTREACH
RANDALL CHILDREN'S HOSPITAL FOUNDATION
2801 N GATENBEIN AVE	PORTLAND	OR	97227	931314469	501(C)(3)	$10,000	COMMUNITY OUTREACH
EDUCATION FOUNDATION FOR BEND-LA PINE SCHOOLS
520 NW WALL ST	BEND	OR	97709	931064935	501(C)(3)	$7,500	COMMUNITY OUTREACH
SUNSHINE DIVISION INC
687 N THOMPSON ST	PORTLAND	OR	97227	930429354	501(C)(3)	$6,000	COMMUNITY OUTREACH

Field	Value	IRS element (for citing)
Total501c3 Org	12	Total501c3OrgCnt
Total Other Org	0	TotalOtherOrgCnt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2:	FormAndLineReferenceDesc
Explanation	ONPOINT REVIEWS REQUESTS FOR DONATIONS AND REQUESTS ALL RECIPIENTS PROVIDE A RECEIPT VERIFYING THEIR 501(C)(3) STATUS. NO FORMAL MONITORING OF GRANTS OR DONATIONS IS PERFORMED, BUT ONPOINT PERIODICALLY PERFORMS INFORMAL FOLLOW-UPS WITH RECIPIENTS. THE ANNUAL CLIFFORD C. DIAS LEADERSHIP SCHOLARSHIP PROGRAM WAS APPROVED BY THE BOARD, ALLOWING MR. DIAS TO SELECT RECIPIENTS AT HIS DISCRETION.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
First Class Or Charter Travel	Yes (X)	FirstClassOrCharterTravelInd
Travel For Companions	Yes (X)	TravelForCompanionsInd
Club Dues Or Fees	Yes (X)	ClubDuesOrFeesInd
Personal Services	Yes (X)	PersonalServicesInd
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 (12 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
R STUART
PRESIDENT/CEO	$633,450	$0	$668,670	$0	$68,476	$0	$798,993	$0	$7,371	$0	$2,176,960	$0	$0	$0
J HUNT
SVP/CHIEF FINANCIAL OFFICER	$309,262	$0	$654,870	$0	$13,021	$0	$118,083	$0	$12,033	$0	$1,107,269	$0	$0	$0
C MILAM
SVP/CHIEF LENDING OFFICER	$164,022	$0	$159,782	$0	$14,367	$0	$27,000	$0	$12,033	$0	$377,204	$0	$0	$0
T MCVAY SVPCHIEF RETAIL
OFFICER & WEALTH MGT EXEC	$307,378	$0	$288,278	$0	$40,911	$0	$378,911	$0	$15,755	$0	$1,031,233	$0	$0	$0
J ARMSTRONG SVPCHIEF INFO
OFFICER & HR EXECUTIVE	$270,661	$0	$257,492	$0	$15,679	$0	$338,610	$0	$15,755	$0	$898,197	$0	$0	$0
V ERVIN
SVP/CHIEF COMPLIANCE OFFICER	$190,042	$0	$182,726	$0	$8,183	$0	$240,517	$0	$6,412	$0	$627,880	$0	$0	$0
S OWEN
SVP/CHIEF OPERATIONS OFFICER	$272,461	$0	$257,492	$0	$8,314	$0	$333,060	$0	$15,755	$0	$887,082	$0	$0	$0
A EMERSON
VP/ONPOINT MORTGAGE	$113,628	$0	$309,100	$0	$985	$0	$75,521	$0	$15,755	$0	$514,989	$0	$0	$0
M MONTGOMERY
MORTGAGE LOAN OFFICER	$0	$0	$305,669	$0	$2,149	$0	$27,000	$0	$7,371	$0	$342,189	$0	$0	$0
K LUIDHARDT
MORTGAGE LOAN OFFICER	$0	$0	$303,643	$0	$940	$0	$27,672	$0	$7,371	$0	$339,626	$0	$0	$0
M DUKART
MORTGAGE LOAN OFFICER	$0	$0	$282,640	$0	$746	$0	$27,007	$0	$6,412	$0	$316,805	$0	$0	$0
M LINDSAY
INVESTMENT MANAGER	$121,050	$0	$126,723	$0	$786	$0	$21,501	$0	$7,371	$0	$277,431	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (3 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART I, LINE 1A	* FIRST-CLASS TRAVEL - PRESIDENT/CEO & ALL DIRECTORS (10 PEOPLE); NOT TAXABLE TO INDIVIDUALS BECAUSE SUCH TRAVEL IS REASONABLE AND CUSTOMARY WITHIN THE INDUSTRY FOR HIGH-LEVEL EXECUTIVES. THE BOARD HAS APPROVED SUCH TRAVEL IN LIMITED CIRCUMSTANCES AND SUBSTANTIATION OF ALL EXPENSES IS REQUIRED. * TRAVEL FOR COMPANIONS - ALL DIRECTORS (9 PEOPLE); TAXABLE TO INDIVIDUALS * HEALTH OR SOCIAL CLUB DUES - PRESIDENT/CEO; TAXABLE TO INDIVIDUALS * PERSONAL SERVICES - PRESIDENT/CEO AND SENIOR EXECUTIVES (7 PEOPLE); TAXABLE TO INDIVIDUALS
PART I, LINE 4B	NO PAYOUTS IN 2017.
PART I:	THE BOARD OF DIRECTORS CONTROLS ALL COMPENSATION OR BENEFIT CHANGES THAT WOULD AFFECT THE PRESIDENT/CEO. ALL CHANGES TO THE PRESIDENT/CEO'S COMPENSATION AND BENEFITS ARE GOVERNED BY AN EMPLOYMENT CONTRACT AND ANY AMENDMENTS TO THE CONTRACT. THE COMPENSATION COMMITTEE REVIEWS THE PRESIDENT/CEO'S COMPENSATION PACKAGE EACH YEAR. THE SALARY SCHEDULE AND BENEFITS PROGRAM FOR THE PRESIDENT/CEO IS TIED TO GEOGRAPHIC STUDIES OF SALARIES AND BENEFITS PERFORMED BY PROFESSIONAL ORGANIZATIONS WITH EXPERTISE IN THE AREA OF COMPENSATION. THESE INCLUDED THE CARDWELL CONSULTING 2017 TOP CEO TOTAL COMPENSATION SURVEY REPORT AND THE 2017 TOWERS WATSON EXECUTIVE COMPENSATION PAY ASSESSMENT.

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	ONPOINT COMMUNITY CREDIT UNION IS A NATURAL PERSON CREDIT UNION, OWNED BY ITS MEMBERS. AT 12/31/17, THERE WERE 337,757 MEMBERS IN THE CREDIT UNION.
FORM 990, PART VI, SECTION A, LINE 7A	THE MEMBERS OF THE CREDIT UNION ELECT THE BOARD OF DIRECTORS FROM A SLATE OF CANDIDATES PUT FORTH BY THE NOMINATING COMMITTEE PRIOR TO THE ANNUAL MEETING. BOARD POSITIONS HAVE STAGGERED RENEWAL DATES IN THREE YEAR TERMS.
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.
FORM 990, PART VI, SECTION B, LINE 11B	INFORMATION FOR THE COMPLETION OF FORM 990 WAS GATHERED BY THE CREDIT UNION'S ACCOUNTING DEPARTMENT. AN OUTSIDE ACCOUNTING FIRM PREPARED THE TAX RETURN AND IT WAS PROVIDED TO THE BOARD OF DIRECTORS PRIOR TO FILING.
FORM 990, PART VI, SECTION B, LINE 12C	MONITORING OF THE CONFLICT OF INTEREST POLICY IS CONDUCTED THROUGH AN ANNUAL POLICY REVIEW. STAFF MEMBERS ARE REQUIRED EACH YEAR TO REVIEW, READ AND SIGN THE CONFLICT OF INTEREST POLICY. THE BOARD OF DIRECTORS ANNUALLY ADOPTS THE BOARD GOVERNANCE MANUAL, WHICH INCLUDES A CONFLICT OF INTEREST POLICY. AT THE POINT OF A POTENTIAL CONFLICT FOR A BOARD MEMBER, A PEER REVIEW IS CONDUCTED. ENFORCEMENT OF THE CONFLICT OF INTEREST POLICY FOR BOARD MEMBERS AND STAFF IS BASED ON A REVIEW OF POTENTIAL CONFLICTS AND, IF A CONFLICT EXISTS, MEDIATION OCCURS.
FORM 990, PART VI, SECTION B, LINE 15A	THE BOARD OF DIRECTORS CONTROLS ALL COMPENSATION OR BENEFIT CHANGES THAT WOULD AFFECT THE PRESIDENT/CEO. ALL CHANGES TO THE PRESIDENT/CEO'S COMPENSATION AND BENEFITS ARE GOVERNED BY AN EMPLOYMENT CONTRACT AND ANY AMENDMENTS TO THE CONTRACT. THE COMPENSATION COMMITTEE REVIEWS THE PRESIDENT/CEO'S COMPENSATION PACKAGE EACH YEAR. THE SALARY SCHEDULE AND BENEFITS PROGRAM FOR THE PRESIDENT/CEO IS TIED TO GEOGRAPHIC STUDIES OF SALARIES AND BENEFITS PERFORMED BY PROFESSIONAL ORGANIZATIONS WITH EXPERTISE IN THE AREA OF COMPENSATION. THESE INCLUDED THE CARDWELL CONSULTING 2017 TOP CEO TOTAL COMPENSATION SURVEY REPORT AND THE 2017 TOWERS WATSON EXECUTIVE COMPENSATION PAY ASSESSMENT.
FORM 990, PART VI, SECTION C, LINE 19	THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE MADE AVAILABLE UPON WRITTEN REQUEST.
FORM 990, PART IX, LINE 11G	OTHER LOAN FEES 1,646,562. BUSINESS LOAN FEES 42,615. VISA DEBIT CARD PROGRAM SERVICES 4,846,239. VISA CREDIT CARD PROGRAM SERVICES 3,751,373. VISA GIFT CARD PROGRAM SERVICES 28,267. ATM/POS CARD PROGRAM SERVICES 6,359,181. OUTSIDE PROFESSIONAL SERVICES 4,454,129.

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp

Disregarded Entity Name DisregardedEntityName

Field	Value	IRS element (for citing)
Business Name Line1	ONPOINT SERVICE GROUP LLC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2701 NW VAUGHN ST STE 800	AddressLine1Txt
City	PORTLAND	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97210	ZIPCd

Field	Value	IRS element (for citing)
Primary Activities	INACTIVE	PrimaryActivitiesTxt
Legal Domicile State	OR	LegalDomicileStateCd
Total Income	$0	TotalIncomeAmt
End Of Year Assets	$0	EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

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