2017-07-06T10:00:19-05:00 2016-12-31 350921680 CROWE HORWATH LLP 225 West Wacker Drive Suite 2600 Chicago IL 606061224 990 2016-01-01 390671465 University of Wisconsin Credit Union UNIV 6082325000 3500 University Ave Madison WI 53705 Brad Mcclain Exec VP/CFO 2017-07-06 true Nicole Bencik P00756195 3128997000 2016 2021-01-29 14:40:06Z UW Credit Union Paul Kundert 3500 University Ave Madison WI 53705 669634040 false X www.uwcu.org X 1931 WI The University of Wisconsin Credit Union is a federally insured financial institution that provides customized financial products and services to meet the money management goals of its members. 9 9 612 18 3098050 -314236 0 0 90955232 99491741 12439960 18436314 -36764 -31680 103358428 117896375 114600 431510 0 0 33411056 37333516 0 0 0 44367372 48151659 77893028 85916685 25465400 31979690 2076988387 2331001922 1893842326 2113946636 183146061 217055286 The mission of University of Wisconsin Credit Union (UWCU) is to encourage thrift among its members, to create a source of credit at a fair and reasonable rate of interest, to provide an opportunity for its members to improve their economic and social conditions and to perform the functions and exercise the powers designated for credit unions under the applicable law. false false UWCU is one of Wisconsin's fastest-growing home purchase financing lenders and falls within the top ten in Wisconsin among all mortgage lenders. UWCU assisted nearly 3,700 households who purchased or refinanced homes. UWCU continued to be a top educational lender in 2016 and offered both fixed and variable rate Private Student Loans. UWCU refinanced over $20 million in student loans, lowering members' rates an average of 2%. UWCU was one of the top three auto lenders in Dane County serving 9% of the total used car market. In 2016, UWCU added 11,772 new members and opened 10,256 net new checking accounts. The Credit Union's honest and straightforward business practices continue to drive membership and relationship growth. At the end of 2016, UWCU served over 222,500 members and just over 177,500 checking accounts. The Board of Directors approved a change in membership eligibility in September 2016 to include any Wisconsin resident who is currently enrolled or has attended any accredited institution in higher learning. In addition to checking services, members also continue to place deposits with the Credit Union with average savings balances increasing to over $9,300 per member. Debit cards transitioned to chip cards adding another layer of security to card transactions. UWCU expanded mobile payment options to include Android Pay and Samsung Pay. UWCU added debt protection to all private student loans which will forgive up to $50,000 of a borrower's outstanding loan balance if the borrower passes away. This is at no cost to the borrower. UWCU continues to focus on delivering financial services in a trustworthy manner. UWCU continues to provide credit consultation services which is a free service that benefits any member. Members can meet with a financial specialist to review their credit report, better understand their credit score, or research options to lower rates on existing loans. UWCU offers a consolidated student loan which allows members to refinance multiple loans into one with a low rate and one easy payment. In 2016, new 5-year and 10-year terms were introduced to help members manage and repay their student loans. UWCU offers low-limit, low-rate credit cards for young adults to help them build their credit responsibly, and affordable no annual fee secured credit cards for members who need to repair their credit. UWCU offers an overdraft line-of-credit protection with no annual fee. Members have free access to their credit scores through Web Branch. 0 false false false false false false false true false true true false false true true false true false false false false false false false false false true false true false false false false false false false false false false true false false false true 63391 0 true 612 true true true false false false false false X 9 9 false false false false true true true true true false false true true true true true true false false false X Brad McClain 6082325000 3500 University Avenue Madison WI 53705 Gordon Ridley Director/Secretary (partial to May 2016) 2.0 X X 675 0 0 Yvonne Evers Director-Chair 3.0 X X 900 0 0 Marion Brown Director-Vice Chair 3.0 X X 900 0 0 Steven Rick Director-Secretary 3.0 X X 900 0 0 Ernest Hanson Director-Treasurer 3.0 X X 900 0 0 Jeffrey Russell Director 2.0 X 900 0 0 Kelly Wilson Director 2.0 X 900 0 0 Tad Pinkerton Director (partial) 2.0 X 3892 0 0 Phyllis King Director 2.0 X 0 0 0 Frank Humphrey Director (partial -start May 2016) 2.0 X 375 0 0 Shenita BrokenBurr Director (partial - start Dec 2016) 2.0 X 0 0 0 Paul Kundert President/CEO 50.0 X 647018 0 260688 Brad McClain Exec VP/CFO 50.0 X 329433 0 49791 Jonathan Bundy CLO/Asst. Corp. Secretary 50.0 X 146228 0 21465 Jason Feist VP Member Services 50.0 X 179080 0 18070 Lee Wiersma Exec VP/CHRO 50.0 X 218735 0 37169 Greg Yelk Vice President of Information Technology 50.0 X 217324 0 37794 Julio Rios Vice President of Mortgage Lending 50.0 X 198461 0 40539 Mike Long Exec VP/CCO 50.0 X 255528 0 41826 Lisa Girdharry Senior VP & CMO 50.0 X 182540 0 28234 Rob Van Nevel Senior VP & CMSO 50.0 X 229526 0 25040 Eric Bangerter VP of E-Commerce and Internet Services 50.0 X 196082 0 33027 Glen Spaeth VP & Controller 50.0 X 172787 0 41024 Christopher Ohly Mortgage Loan Officer 44.0 X 181675 0 29922 James Hoppe Mortgage Lending Sales Manager 50.0 X 188102 0 13603 Christopher Smart Mortgage Loan Officer 44.5 X 167550 0 27512 Richard McKinley Mortgage Loan Officer 49.5 X 179447 0 32583 Ryan Boney Mortgage Loan Officer 44.5 X 200755 0 34415 3900613 0 772702 46 false true false MICHAEL BEST & FRIEDRICH LLP 100 E WISCONSIN AVE MILWAUKEE WI 53202 LEGAL SERVICES 395602 ADAMS OUTDOOR ADVERTISING PO BOX 809140 CHICAGO IL 606809140 ADVERTISING 345587 ENCORE ONE LLC 124 N 121st Street Wauwatosa WI 53226 JANITORIAL SERVICES 277952 RSM US Product Sales LLP 331 West 3rd Street Ste 200 Davenport IA 52801 Audit Services 152661 Darnieder & Sosnay 735 N Water Street Milwaukee WI 53202 Legal Services 105568 6 X 0 Interest on Loans 522100 61867457 61867457 Card and ATM Interchange 524298 22144325 21737871 406454 Service Charges and Fees 522100 5367470 5367470 Loan Servicing Fees 522100 6803166 5621144 1182022 Investment and insurance services 525100 2806500 1296926 1509574 502823 502823 0 0 99491741 7380833 7380833 129713 161393 -31680 0 -31680 -31680 562631753 551576272 0 11055481 11055481 11034854 20627 0 0 0 0 0 117896375 107428545 3098050 7369780 431510 3418461 27027320 1930715 2718938 2238082 458227 465940 1034919 0 0 0 3448327 4216555 3490497 3469343 289818 2320129 3620413 257091 loan servicing expense 12417463 card processing expense 6214444 Loan Loss provision 5067836 fraud forgery losses 460153 920504 0 0 0 85916685 0 0 0 24987984 36969469 259150506 293270281 0 0 2410622 3659181 0 0 0 1358068515 1512523948 13756475 17921026 102104546 42777994 62479165 59326552 43581706 47468034 256715649 298875210 0 55837765 60988221 2076988387 2331001922 21605053 34412167 5286309 5969362 6713443 9133631 1860237521 2064431476 1893842326 2113946636 X 183146061 217055286 183146061 217055286 2076988387 2331001922 X 31979690 -105272 2034807 X false true X true false false true X 16162616 16162616 48454815 13229657 35225158 2466058 1603258 862800 18705589 14625856 4079733 16315468 13319223 2996245 59326552 Agency Backed Securities 293389510 F Federal Home Loan Bank Chicago Stock 5485700 C 298875210 Member Deposits 2056657502 Outstanding Cashiers Checks 7773974 2064431476 X Schedule D, Part IV, Line 2b Explanation of Credit Counseling and Debt Management Services UWCU continues to provide credit consultation services which is a free service that benefits any member. Members can meet with a financial specialist to review their credit report, better understand their credit score, or research options to lower rates on existing loans. UWCU also offers members free education and advice from the experts at balance, a financial education and counseling service committed to helping individuals and families take control of their finances. Schedule D, Part IV, Line 2b Explanation of escrow agreement The Credit Union maintains real estate escrow accounts used to pay members' real estate taxes and insurance. Schedule D, Part X, Line 2 FIN 48 (ASC 740) footnote The Credit Union is exempt, by statute, from federal and state income taxes. The Credit Union does, however, pay sales tax, property tax, payroll taxes, and federal and state income tax on unrelated business activities. The Internal Revenue Service (IRS) and certain taxing authorities are evaluating what, if any, products and services provided by state chartered credit unions or their credit union service organizations are subject to unrelated business income tax (UBIT). There is currently very little guidance in the IRS Code on what activities should be subject to UBIT. The IRS has issued certain technical advice memorandums identifying certain activities as being subject to UBIT. As a result, at this time there is uncertainty regarding whether state chartered credit unions should pay income tax on certain types of net taxable income from activities that may be considered by taxing authorities as unrelated to the purpose for which credit unions were granted non-taxable status. The tax liability recorded by the Credit Union as of December 31, 2016 and 2015 attributed to unrelated business activities was not material. A tax position will be recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized will be the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the "more likely than not" test, no tax benefit will be recorded. There is no accrual necessary at year-end 2016 and 2015. The Credit Union recognizes interest and/or penalties related to income tax matters in the operations section of the consolidated statement of income. No interest or penalties were incurred during 2016 and 2015. true COMMUNITY SHARE OF WISCONSIN 612 W Main St Ste 200 Madison WI 53703 391172378 501(c)3 9920 Community Outreach MADISON COLLEGE FOUNDATION 3550 ANDERSON STREET MADISON WI 53704 237265867 501(c)3 12000 COMMUNITY OUTREACH, SCHOLARSHIPS UNITED WAY OF DANE COUNTY 2059 ATWOOD AVENUE MADISON WI 53704 390817532 501(c)3 48250 COMMUNITY OUTREACH UNIVERSITY OF WISCONSIN FOUNDATION 1848 UNIVERSITY AVENUE MADISON WI 53708 390743975 501(c)3 206000 COMMUNITY OUTREACH, SCHOLARSHIPS UW LA CROSSE FOUNDATION 615 EAST AVENUE NORTH LA CROSSE WI 54601 391145116 501(c)3 25000 COMMUNITY OUTREACH, SCHOLARSHIPS UW OSHKOSH FOUNDATION 842 ALGOMA BLVD OSHKOSH WI 54901 396076856 501(c)3 10000 COMMUNITY OUTREACH, SCHOLARSHIPS UW WHITEWATER FOUNDATION 800 W MAIN ST ALUMNI CENTER WHITEWATER WI 53190 396081189 501(c)3 10000 COMMUNITY OUTREACH, SCHOLARSHIPS UW GREEN BAY FOUNDATION 2420 NICOLET DR GREEN BAY WI 54311 451600858 501(c)3 10000 COMMUNITY OUTREACH, SCHOLARSHIPS UWM FOUNDATION 1440 E NORTH AVENU MILWAUKEE WI 53202 237337744 501(c)3 54000 COMMUNITY OUTREACH, SCHOLARSHIPS 9 0 Schedule I, Part I, Line 2 Procedures for monitoring use of grant funds. UWCU contributes to organizations that are tax exempt organizations. There is no formal monitoring of grant funds as UWCU contributes to support the general operations of these organizations. X true true X false true false Paul Kundert President/CEO 480500 0 140745 0 25773 0 242917 0 17771 0 907706 0 0 0 Brad McClain Exec VP/CFO 240447 0 58280 0 30706 0 18740 0 31051 0 379224 0 0 0 Jonathan Bundy CLO/Asst. Corp. Secretary 145750 0 0 0 478 0 4681 0 16784 0 167693 0 0 0 Jason Feist VP Member Services 146928 0 24074 0 8078 0 13782 0 4288 0 197150 0 0 0 Lee Wiersma Exec VP/CHRO 160497 0 37456 0 20782 0 16965 0 20204 0 255904 0 0 0 Greg Yelk Vice President of Information Technology 168078 0 36643 0 12603 0 17070 0 20724 0 255118 0 0 0 Julio Rios Vice President of Mortgage Lending 139262 0 54847 0 4352 0 16150 0 24389 0 239000 0 0 0 Mike Long Exec VP/CCO 202608 0 47754 0 5166 0 20127 0 21699 0 297354 0 0 0 Lisa Girdharry Senior VP & CMO 148839 0 27920 0 5781 0 14167 0 14067 0 210774 0 0 0 Rob Van Nevel Senior VP & CMSO 166870 0 40797 0 21859 0 16948 0 8092 0 254566 0 0 0 Eric Bangerter VP of E-Commerce and Internet Services 160362 0 29709 0 6011 0 14882 0 18145 0 229109 0 0 0 Glen Spaeth VP & Controller 134606 0 27292 0 10889 0 13667 0 27357 0 213811 0 0 0 Christopher Ohly Mortgage Loan Officer 58497 0 122966 0 212 0 9946 0 19976 0 211597 0 0 0 James Hoppe Mortgage Lending Sales Manager 84434 0 101706 0 1962 0 13480 0 123 0 201705 0 0 0 Christopher Smart Mortgage Loan Officer 48271 0 119230 0 49 0 7337 0 20175 0 195062 0 0 0 Richard McKinley Mortgage Loan Officer 65378 0 112410 0 1659 0 9700 0 22883 0 212030 0 0 0 Ryan Boney Mortgage Loan Officer 47363 0 151989 0 1403 0 7360 0 27055 0 235170 0 0 0 Schedule J, Part I, Line 1a Travel for companions AS PRESCRIBED IN THE BOARD GOVERNANCE POLICY, TO PROVIDE FOR THE DEVELOPMENT OF MEMBER ELECTED BOARD MEMBERS, AND BUILD THEIR KNOWLEDGE TO SERVE EFFECTIVELY, EACH DIRECTOR IS EXPECTED TO SEEK OUT EDUCATIONAL AND DEVELOPMENT CONFERENCES AND OPPORTUNITIES FOR THIS PURPOSE. DIRECTORS ARE ENCOURAGED TO PARTICIPATE IN AT LEAST ONE EDUCATIONAL CONFERENCE EVERY TWO YEARS. CONSISTENT WITH THE GUIDANCE OF THE NATIONAL CREDIT UNION ADMINISTRATION AND TO ENCOURAGE DIRECTORS TO TAKE PERSONAL TIME TO ATTEND EDUCATIONAL AND DEVELOPMENTAL MEETINGS, DIRECTORS AS A COURTESY MAY BE REIMBURSED FOR THE REASONABLE COSTS OF THEIR TRAVEL AND ATTENDANCE INCLUDING A GUEST, WHO MAY ACCOMPANY THEM ON CREDIT UNION RELATED TRAVEL. WHILE THE NATIONAL CREDIT UNION ADMINISTRATION HAS INDICATED IN LETTER 05-FCU-02 THAT THEY DO NOT CONSIDER GUEST TRAVEL TO BE COMPENSATION TO DIRECTORS, FOR TAX REPORTING PURPOSES THE CREDIT UNION DOES ISSUE FORM 1099-MISC RELATED TO GUEST TRAVEL. FOR 2016, THE TOTAL COMPANION TRAVEL PAID BY UWCU FOR ONE OF THEIR DIRECTORS WAS $2,992. Schedule J, Part I, Line 4b Supplemental nonqualified retirement plan The Board established a Deferred Compensation Plan for the President as allowed under the Internal Revenue Code 457(f). The plan is designed to compensate for benefits not eligible under the 401(k) plan as a result of limitations imposed by the IRS on the allowable contributions, as well as the provide a long-term incentive for sustained performance. As of December 31, 2016, the outstanding liability under the plan was $754,000. Cumulative deferred compensation payable to the President is a general creditor obligation of the Credit Union. Future disbursements (if any) of the cumulative deferred compensation payable are contingent on the conditions established by the plan. Form 990, Part VI, Line 15b PROCESS TO ESTABLISH COMPENSATION - OFFICERS & KEY EMPLOYEES THE CHIEF EXECUTIVE OFFICER OF THE CREDIT UNION APPROVES THE COMPENSATION OF ALL SUBORDINATE OFFICERS OF THE CREDIT UNION. CONSISTENT WITH ALL OTHER CREDIT UNION EMPLOYEE POSITIONS, THE CREDIT UNION FOLLOWS A COMPENSATION SYSTEM THAT ASSIGNS A POSITION GRADE AND SALARY RANGE FOR EACH POSITION. AT LEAST BI-ANNUALLY, INDEPENDENT BENCHMARK DATA FROM AT LEAST TWO SOURCES IS OBTAINED. BASED ON THE MEDIAN OF THE BLENDED BENCHMARKS, POSITIONS ARE ASSIGNED TO A SALARY GRADE. FOR SUBORDINATE OFFICERS, COMPENSATION ADJUSTMENTS CAN BE MADE BY THE CHIEF EXECUTIVE OFFICER BASED ON INDIVIDUAL PERFORMANCE WITHIN THE CONFINES OF THE ESTABLISHED SALARY GRADE. ALL EMPLOYEES OF THE CREDIT UNION, INCLUDING THE OFFICERS SUBORDINATE TO THE CHIEF EXECUTIVE OFFICER, ARE ELIGIBLE TO RECEIVE BASE PAY AS WELL AS A VARIABLE PAY BONUS BASED ON THE ATTAINMENT OF ORGANIZATIONAL GOALS AND INDIVIDUAL PERFORMANCE, WHICH INCLUDE MEMBER SATISFACTION, AND FINANCIAL STEWARDSHIP. THE VARIABLE PAY POTENTIAL BONUS POOL FUNDS ARE APPROVED BY THE BOARD OF DIRECTORS. EMPLOYEES, INCLUDING OFFICERS SUBORDINATE TO THE CHIEF EXECUTIVE OFFICER, PARTICIPATE IN THE BONUS POOL BASED ON THEIR INDIVIDUAL PERFORMANCE AND SALARY GRADE. THE OFFICERS SUBORDINATE TO THE CHIEF EXECUTIVE OFFICER RECEIVE THE SAME LIFE, MEDICAL, AND DENTAL INSURANCE, AND 401(K) BENEFITS THAT ARE AVAILABLE TO ALL FULL-TIME EMPLOYEES OF THE CREDIT UNION. Form 990, Part VI, Line 6 Classes of members or stockholders All members of the Credit Union are given one vote in election of board members, or the approval of significant decisions, without preference to the amount of funds they have on deposit with the credit union. Form 990, Part VI, Line 7a Members or stockholders electing members of governing body The University of Wisconsin Credit Union is a member owned cooperative business organization, governed by a nine member Board of Directors. The Board is comprised of active members of the Credit Union who are selected by the membership through a democratic election process. Form 990, Part VI, Line 7b Decisions requiring approval by members or stockholders At any membership meeting, members may submit a petition in advance to allow a majority of the members present to direct the board to consider policies proposed by the members, or reconsider any decision of the directors, officers, or committees. Furthermore, the members must approve of any consolidations or mergers when it results in a change of membership. Form 990, Part VI, Line 11b Review of form 990 by governing body The CEO, CFO and Controller perform a thorough review of the draft form 990 prior to the full board review. A draft copy of the form 990 is provided to the audit committee and the paid tax preparer presents excerpts from the return. A final copy of the return is provided to the full board prior to filing the return with the IRS. Form 990, Part VI, Line 12c Conflict of interest policy Board members, officers and employees are required to annually disclose any conflicts of interests they may have with the organization. The Chief Legal Officer reviews each policy statement signed by these individuals to determine if any conflicts have occurred and need to be brought to the attention of the Board. If a conflict arises, the respective board member will abstain him/herself from any related discussion, vote or similar action on the matter. Form 990, Part VI, Line 19 Required documents available to the public The organization's governing documents and financial statements are available on the credit union's public website. The conflict of interest policy is available to employees of the credit union on the internal intranet and is required to be reviewed and signed by them annually; the conflict of interest policy is not available to the public. Form 990, Part VII, Section A, Line 1a, Column (D) Board compensation policy As a convenience to UW Credit Union, and to minimize the Credit Union's administrative burden related to processing and paying incidental out-of-pocket expenses such as telephone, local mileage, parking, copying, postage, and supplies associated with duties of the Board Director positions, the Board has implemented a policy of per diem reimbursement of expense. Directors are reimbursed $75 per month for an annual total of $900 per Director. Alternatively, the Directors have the option to forego the per diem method and be reimbursed under the accountable reimbursement method. Form 990, Part VIII, Line 2f Other Program Service Revenue Other - Total Revenue: 502823, Related or Exempt Function Revenue: 502823, Unrelated Business Revenue: , Revenue Excluded from Tax Under Sections 512, 513, or 514: ; Form 990, Part XI, Line 9 Other changes in net assets or fund balances Mortgage Market Hedging Valuation - 294837; Valuation Allowance on Receivable from Trustee, Net - 2343492; Land Impairment - -603522; FORM 990, PART XI, LINE 9 OTHER CHANGES IN NET ASSETS OR FUND BALANCES In 2014 UW Credit Union held a position in securities purchased under agreements to resell through Pennant Management, Inc. (Pennant), a subsidiary of U.S. Fiduciary, in United States Department of Agriculture (USDA) Rural Development Business and Industry guaranteed loans. Pennant is an SEC registered investment advisor. As of September 29, 2014, Pennant halted trading in its First Farmers Repurchase Agreement B Fund, and filed a complaint in United States District Court for the Northern District of Illinois Eastern Division claiming that the loans Pennant allegedly acquired from First Farmers Financial, LLC (First Farmers) were fraudulent. The USDA has acknowledged granting authority to First Farmers to originate and service USDA guaranteed loans; however, the USDA has denied the validity of guarantees with respect to the loans that Pennant purchased from First Farmers. On August 31, 2016 the Credit Union filed a complaint in the United States District Court for the Northern District of Florida Gainesville Division asserting the USDA's negligence caused the Credit Union harm. The U.S. District Court has appointed a receiver to manage and liquidate certain assets of First Farmers and other related entities and individuals in order to return funds to the investors. The Court appointed receiver took possession of certain assets which included commercial and residential real properties, loans receivable, cash, and other personal property. After evaluating an inventory of the assets in the possession of the court appointed receiver, the estimated liquidation value of such assets, and unresolved liens against such assets, UW Credit Union recorded a valuation allowance of $26,805,000 based on UW Credit Union's share of the estimated value of the recovery assets as reflected in its proportional share ownership of the First Farmers Repurchase Agreement B Fund. In 2016 the Receiver was able to liquidate the majority of assets and successfully reduce some of the liens. As a result UW Credit Union reduced the valuation allowance by $2,343,492. FORM 990, PART VI, LINE 15A PROCESS TO ESTABLISH COMPENSATION OF TOP MANAGEMENT OFFICIAL AS PROVIDED BY THE BYLAWS, THE PRESIDENT IS THE CHIEF EXECUTIVE OFFICER AND THE TOP MANAGEMENT OFFICIAL. THE PRESIDENT SERVES AT THE PLEASURE OF THE BOARD OF DIRECTORS. AS PRESCRIBED BY THE BYLAWS THE BOARD OF DIRECTORS SETS THE COMPENSATION OF THE PRESIDENT. THE BOARD HAS EXECUTED A FORMAL EMPLOYMENT AGREEMENT WITH THE PRESIDENT, WHICH PROVIDES THAT EITHER PARTY MAY TERMINATE THE AGREEMENT AT ANY TIME. PER THE TERMS OF THE CONTRACT, BIENNIALLY THE BOARD SETS THE COMPENSATION OF THE PRESIDENT USING INDEPENDENTLY OBTAINED DATA TO BENCHMARK THE MARKET VALUE OF THE POSITION, WHICH WAS LAST UNDERTAKEN IN 2015. All employees of the Credit Union, including the President, are eligible to receive a base pay as well as a variable pay bonus based on the attainment of organizational goals, which include member satisfaction and financial stewardship. The President receives the same life, medical, disability, and dental insurance, and 401(K) benefits that are available to all full-time employees of the Credit Union. The President is provided with other benefits which include a supplemental disability insurance policy and is provided a company automobile available for personal use. The annual value of these supplemental benefits included in Schedule J Part II is $4,224. The Board of Directors' deliberations and determinations regarding compensation are recorded on a timely basis in the minutes of their meetings. CU CAMPUS RESOURCES LLC 3500 UNIVERSITY AVE MADISON WI 53705 272613828 CUSTOMIZED STUDENT LOAN PROGRAMS WI 1809188 583263 UWCU