OREGON COMMUNITY CREDIT UNION: Form 990, tax year 2016

View the entire original 990 at ProPublica ↗

Organization: OREGON COMMUNITY CREDIT UNION (EIN 93-0492535)
Tax period: 2016-01-01 to 2016-12-31
Filed: 2017-11-08
IRS object ID: 201733129349303603
Schema version: 2016v3.0
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 D
Schedule J
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2017-11-08T16:50:53-06:00	ReturnTs
Tax Period End	2016-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	450250958	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	EIDE BAILLY LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	877 W MAIN ST STE 800	AddressLine1Txt
City	BOISE	CityNm
State Abbreviation	ID	StateAbbreviationCd
ZIP	83702	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2016-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	930492535	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	OREG	BusinessNameControlTxt
Phone	5416842347	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2880 CHAD DRIVE	AddressLine1Txt
City	EUGENE	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97408	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	D AMANDA JONES	PersonNm
Person Title	CEO	PersonTitleTxt
Phone	5416842347	PhoneNum
Signature	2017-11-07	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	KIM HUNWARDSEN CPA	PreparerPersonNm
PTIN	P00484560	PTIN
Phone	2083447150	PhoneNum
Preparation	2017-11-07	PreparationDt

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	199.116.169.43	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2017-11-07	IPDt
IP Tm	10:23:01	IPTm
IP Timezone	MS	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	2D35AF16ECC84DDA7A98B01C4CD610F3CA25084E	AtSubmissionCreationDeviceId
At Submission Filing Device Id	4D92B9C285E2ACBECEA2F32A6258C5B2270183FD	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2016	TaxYr
Build TS	2021-01-29 14:40:06Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	D AMANDA JONES	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2880 CHAD DRIVE	AddressLine1Txt
City	EUGENE	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97408	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$74,509,676	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.OREGONCOMMUNITYCU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1956	FormationYr
Legal Domicile State	OR	LegalDomicileStateCd
Activity Or Mission	TO ASSIST OUR MEMBERS IN MAKING BENEFICIAL LONG-TERM FINANCIAL DECISIONS.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	379	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$980,488	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$321,927	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$65,698,265	PYProgramServiceRevenueAmt
CY Program Service Revenue	$72,446,541	CYProgramServiceRevenueAmt
PY Investment Income	$1,990,724	PYInvestmentIncomeAmt
CY Investment Income	$2,063,135	CYInvestmentIncomeAmt
PY Other Revenue	$1,995	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$67,690,984	PYTotalRevenueAmt
CY Total Revenue	$74,509,676	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$22,902,457	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$25,931,714	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$34,363,343	PYOtherExpensesAmt
CY Other Expenses	$38,443,718	CYOtherExpensesAmt
PY Total Expenses	$57,265,800	PYTotalExpensesAmt
CY Total Expenses	$64,375,432	CYTotalExpensesAmt
PY Revenues Less Expenses	$10,425,184	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$10,134,244	CYRevenuesLessExpensesAmt
Total Assets BOY	$1,430,858,847	TotalAssetsBOYAmt
Total Assets EOY	$1,581,553,833	TotalAssetsEOYAmt
Total Liabilities BOY	$1,313,200,586	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$1,453,771,369	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$117,658,261	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$127,782,464	NetAssetsOrFundBalancesEOYAmt
Mission	THE PURPOSE OF OREGON COMMUNITY CREDIT UNION IS TO ASSIST OUR MEMBERS IN MAKING BENEFICIAL LONG-TERM FINANCIAL DECISIONS BY PROVIDING THEM WITH COMPETITIVE DEPOSIT AND LOAN PRODUCTS.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	PROMOTING THE FINANCIAL WELLBEING AND THRIFT OF 138,840 MEMBERS DURING 2016 BY PROVIDING LOAN AND SAVING SERVICES AT COMPETITIVE RATES.	Desc
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	0	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	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	0	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	31708	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	379	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	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	Yes (1)	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	0	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	DAVE SCHIFFER DIRECTOR OF FINANCE	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	5416816062	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2880 CHAD DRIVE	AddressLine1Txt
City	EUGENE	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97408	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (18 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Highest Compensated EmployeeHighestCompensatedEmployeeInd
BEVERLY ANDERSON
BOARD CHAIR	8.00	Yes (X)	Yes (X)	$3,903	$0	$0
GENEVIEVE PARKER
BOARD VICE CHAIR	8.00	Yes (X)	Yes (X)	$1,950	$0	$0
JEANINE JENSEN
SECRETARY	8.00	Yes (X)	Yes (X)	$3,572	$0	$0
TOM LARSON
DIRECTOR	8.00	Yes (X)		$1,950	$0	$0
KC HUFFMAN
DIRECTOR	8.00	Yes (X)		$3,047	$0	$0
DOUG WILKINSON THRU 72016
DIRECTOR	8.00	Yes (X)		$2,082	$0	$0
JEREMY GREEN
DIRECTOR	8.00	Yes (X)		$1,950	$0	$0
ABE KOSSOL THRU 042016
DIRECTOR	8.00	Yes (X)		$650	$0	$0
BILL INGE FROM 12016
DIRECTOR	8.00	Yes (X)		$3,574	$0	$0
D AMANDA JONES
CEO & TREASURER	40.00		Yes (X)	$852,408	$0	$48,243
RONALD NEUMANN
CFO	40.00		Yes (X)	$268,301	$0	$11,176
DARRELL STARK
CHIEF RETAIL OFFICER	40.00		Yes (X)	$201,971	$0	$10,293
DEBORAH MERSINO
CHIEF MARKETING OFFICER	40.00		Yes (X)	$170,614	$0	$21,406
JERRY LIUDAHL
CHIEF CREDIT OFFICER	40.00			$227,855	$0	$11,168	Yes (X)
CATHY STOPPEL
SENIOR INVESTMENT ADVISOR	40.00			$198,339	$0	$2,571	Yes (X)
SCOTT ROOTS
VP OF INVESTMENTS AND INSURANCE	40.00			$503,410	$0	$32,765	Yes (X)
AMY BRADLEY
MORTGAGE LOAN OFFICER	40.00			$202,295	$0	$21,338	Yes (X)
RYAN LEW
SENIOR INVESTMENT ADVISOR	40.00			$203,810	$0	$7,876	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,851,681	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$166,836	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	41	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd
Cntrct Rcvd Greater Than100 K	0	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS/VISA	522100	$47,454,021	$47,454,021
VISA/ATM INTERCHANGE INCOME	525990	$7,873,214	$7,800,394	$72,820
FEES AND CHARGES	522100	$7,676,728	$7,676,728
CREDIT CARD INTERCHANGE INCOME	525990	$910,603	$910,603
CREDIT CARD SERVICES	522210	-$362,195	-$1,269,863	$907,668

Total Oth Program Service Rev TotalOthProgramServiceRevGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$8,894,170	TotalRevenueColumnAmt
Related Or Exempt Func Income	$8,894,170	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$72,446,541	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,266,486	TotalRevenueColumnAmt
Exclusion	$1,266,486	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$796,649	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$0	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	$796,649	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$796,649	TotalRevenueColumnAmt
Exclusion	$796,649	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$74,509,676	TotalRevenueColumnAmt
Related Or Exempt Func Income	$71,466,053	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$980,488	UnrelatedBusinessRevenueAmt
Exclusion	$2,063,135	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,612,100	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$18,344,464	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$1,395,650	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$2,626,284	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$1,953,216	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$93,478	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$327,394	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$3,738,578	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$2,936,341	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,606,614	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$2,627,543	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,227,282	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$319,972	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$136,786	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$2,428,441	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$224,317	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
PROVISION FOR LOAN LOSS	$7,945,022
DIVIDEND EXPENSE	$6,907,099
LOAN SERVICING EXPENSE	$5,992,051
BAD DEBT & OPERATING/FR	$969,312

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$963,488	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$64,375,432	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$17,275,951	BOYAmt
EOY	$19,573,151	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$145,214,579	BOYAmt
EOY	$205,986,245	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$1,724,913	BOYAmt
EOY	$3,615,523	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$1,185,220,370	BOYAmt
EOY	$1,270,612,259	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$8,386,772	BOYAmt
EOY	$8,787,687	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$35,006,864	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$19,014,057	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$15,345,382	BOYAmt
EOY	$15,992,807	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$10,352,903	BOYAmt
EOY	$9,534,889	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$47,337,977	BOYAmt
EOY	$47,451,272	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$1,430,858,847	BOYAmt
EOY	$1,581,553,833	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$21,567,693	BOYAmt
EOY	$23,018,316	EOYAmt

Deferred Revenue DeferredRevenueGrp

Field	Value	IRS element (for citing)
BOY	$233,804	BOYAmt
EOY	$156,806	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,291,399,089	BOYAmt
EOY	$1,430,596,247	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,313,200,586	BOYAmt
EOY	$1,453,771,369	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	$117,658,261	BOYAmt
EOY	$127,782,464	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$117,658,261	BOYAmt
EOY	$127,782,464	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$1,430,858,847	BOYAmt
EOY	$1,581,553,833	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$10,134,244	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$10,041	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	0	FSAuditedInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,342,575	OtherCostOrOtherBasisAmt
Book Value	$3,342,575	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$12,836,081	OtherCostOrOtherBasisAmt
Depreciation	$3,782,968	DepreciationAmt
Book Value	$9,053,113	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,779,747	OtherCostOrOtherBasisAmt
Depreciation	$1,585,408	DepreciationAmt
Book Value	$194,339	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$16,753,438	OtherCostOrOtherBasisAmt
Depreciation	$13,458,273	DepreciationAmt
Book Value	$3,295,165	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$295,023	OtherCostOrOtherBasisAmt
Depreciation	$187,408	DepreciationAmt
Book Value	$107,615	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$15,992,807	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDesc	AmtAmt
POSTRETIREMENT BENEFITS	$985,000
MEMBER SHARES & SAVINGS	$1,429,611,247

Field	Value	IRS element (for citing)
Total Liability	$1,430,596,247	TotalLiabilityAmt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Committee	Yes (X)	CompensationCommitteeInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (9 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
D AMANDA JONES
CEO & TREASURER	$466,312	$0	$348,434	$0	$37,662	$0	$38,000	$0	$15,253	$0	$905,661	$0	$0	$0
RONALD NEUMANN
CFO	$234,961	$0	$17,750	$0	$15,590	$0	$0	$0	$11,176	$0	$279,477	$0	$0	$0
DARRELL STARK
CHIEF RETAIL OFFICER	$181,215	$0	$14,012	$0	$6,744	$0	$0	$0	$10,293	$0	$212,264	$0	$0	$0
DEBORAH MERSINO
CHIEF MARKETING OFFICER	$150,526	$0	$7,871	$0	$12,217	$0	$0	$0	$21,406	$0	$192,020	$0	$0	$0
JERRY LIUDAHL
CHIEF CREDIT OFFICER	$205,490	$0	$15,535	$0	$6,830	$0	$0	$0	$11,168	$0	$239,023	$0	$0	$0
CATHY STOPPEL
SENIOR INVESTMENT ADVISOR	$34,385	$0	$163,110	$0	$844	$0	$0	$0	$2,571	$0	$200,910	$0	$0	$0
SCOTT ROOTS
VP OF INVESTMENTS AND INSURANCE	$56,131	$0	$443,892	$0	$3,387	$0	$18,000	$0	$14,765	$0	$536,175	$0	$0	$0
AMY BRADLEY
MORTGAGE LOAN OFFICER	-$8,931	$0	$210,800	$0	$426	$0	$0	$0	$21,338	$0	$223,633	$0	$0	$0
RYAN LEW
SENIOR INVESTMENT ADVISOR	$35,956	$0	$167,837	$0	$17	$0	$0	$0	$7,876	$0	$211,686	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 4B	FormAndLineReferenceDesc
Explanation	D AMANDA JONES, 457F PLAN - $20,000	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (10 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 4	IN 2016, THE OREGON COMMUNITY CREDIT UNION BYLAWS WERE AMENDED TO INCLUDE A PROVISION ENABLING THE BOARD OF DIRECTORS TO RECEIVE REASONABLE COMPENSATION FOR SERVICES RENDERED TO THE CREDIT UNION IN THEIR CAPACITY AS DIRECTORS AND THE FIELD OF MEMBERSHIP WAS AMENDED TO INCLUDE MEMBERS OF THE BIMART FEDERAL CREDIT UNION AND BIMART MEMBERSHIP DISCOUNT STORE.
FORM 990, PART VI, SECTION A, LINE 6	ANY INDIVIDUAL WITH AN ACCOUNT AT THE CREDIT UNION IS CONSIDERED A MEMBER.
FORM 990, PART VI, SECTION A, LINE 7A	EACH PRIMARY MEMBER OF THE CREDIT UNION IS GIVEN ONE VOTE AND IS ABLE TO ELECT MEMBERS OF THE GOVERNING BODY.
FORM 990, PART VI, SECTION A, LINE 7B	MAJOR DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL BY MEMBERS, HOWEVER, DAY TO DAY DECISIONS ARE NOT SUBJECT TO MEMBER APPROVAL.
FORM 990, PART VI, SECTION A, LINE 8B	THE ORGANIZATION DOES NOT HAVE ANY COMMITTEES WITH THE AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY.
FORM 990, PART VI, SECTION B, LINE 11B	A COPY OF FORM 990 IS PROVIDED TO THE ORGANIZATION FOR REVIEW PRIOR TO FILING; THE CEO AND CFO OF THE ORGANIZATION REVIEW THE FORM 990.
FORM 990, PART VI, SECTION B, LINE 12C	THE ORGANIZATION HAS A CONFLICT OF INTEREST POLICY IN PLACE FOR BOTH THE COMPANY AND THE BOARD. EXPECTATIONS ARE CLEAR AT THE SENIOR MANAGEMENT LEVEL AND ARE COMMUNICATED DOWNWARD. THE ORGANIZATION HAS TRACKING PROCEDURES IN PLACE FOR POSSIBLE AND CONFIRMED CONFLICTS OF INTEREST. IF A CONFLICT OF INTEREST IS DETERMINED TO EXIST INVOLVING A BOARD MEMBER, THAT MEMBER WOULD BE REQUIRED TO ABSTAIN FROM VOTING ON THE ISSUE.
FORM 990, PART VI, SECTION B, LINE 15	TOTAL COMPENSATION, INCLUDING BASE PAY, INCENTIVES AND OTHER BENEFITS, IS COMPARED AGAINST CUES EXECUTIVE COMPENSATION PROGRAM, MILLIMAN NW FINANCIAL INDUSTRY SURVEY RESULTS AND OTHER EXECUTIVE PUBLICATIONS/REPORTS. CEO COMPENSATION IS REVIEWED BY THE BOARD PERSONNEL COMMITTEE AND APPROVED BY THE FULL BOARD. COMPENSATION AMOUNTS ARE TRACKED FOR FUTURE REFERENCE. THE LAST FORMAL COMPENSATION COMPARISON REVIEW BY THE ORGANIZATION WAS PERFORMED IN 2016.
FORM 990, PART VI, SECTION C, LINE 19	THE ORGANIZATION'S FINANCIAL STATEMENTS ARE POSTED ONLINE AND IN CREDIT UNION BRANCHES AND ARE AVAILABLE UPON REQUEST. GOVERNING DOCUMENTS ARE AVAILABLE TO MEMBERS UPON REQUEST.
FORM 990, PART XII, LINE 2:	THE CREDIT UNION IS GOVERNED BY THE NATIONAL CREDIT UNION ADMINISTRATION (NCUA). AS SUCH, REGULATORS REVIEW THE FINANCIAL TRANSACTIONS OF THE CREDIT UNION ON A CONSISTENT BASIS. IN ADDITION, THE CREDIT UNION MAINTAINS A SUPERVISORY COMMITTEE TO OVERSEE THE PERFORMANCE OF AN ANNUAL AUDIT OF THE STATEMENTS OF FINANCIAL CONDITION. THESE AUDITED STATEMENTS OF FINANCIAL CONDITION ARE PREPARED ON A SEPTEMBER 30TH YEAR END.

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp

Disregarded Entity Name DisregardedEntityName

Field	Value	IRS element (for citing)
Business Name Line1	OCCU CARD SERVICES LLC DBA CREDIT UNION SERVICE ORGANIZATION	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2880 CHAD DRIVE	AddressLine1Txt
City	EUGENE	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97408	ZIPCd

Field	Value	IRS element (for citing)
EIN	930492535	EIN
Primary Activities	CREDIT CARD SERVICES	PrimaryActivitiesTxt
Legal Domicile State	OR	LegalDomicileStateCd
Total Income	-$362,606	TotalIncomeAmt
End Of Year Assets	$14,349,264	EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

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