2017-07-31T18:04:29-07:00 2016-12-31 990 2016-01-01 956111723 EVANGELICAL CHRISTIAN CREDIT UNION EVAN 7146715700 955 West Imperial Highway Suite 100 Brea CA 92821 Gregory Talbott SVP/ CFO 7146715700 2017-07-31 198.24.225.5 2016 2021-01-29 14:40:06Z Abel Pomar 955 West Imperial Highway Suite 100 Brea CA 92821 42074839 0 X WWW.ECCU.ORG X 1984 CA The Evangelical Christian Credit Union exists to fuel Christ-centered ministry worldwide. 7 6 171 12 0 0 0 0 28176799 37436900 1445360 1756388 3793912 2881551 33416071 42074839 90403 124309 0 0 17921651 15752566 0 0 0 29885485 23211020 47897539 39087895 -14481468 2986944 900486682 814436197 840688676 751629394 59798006 62806803 Evangelical Christian Credit Union (ECCU) is an alliance of Christian people and organizations committed to fueling Christ-centered ministry worldwide. ECCU serves individuals, missionaries, and ministries in their desire to hold to biblically-based financial principals. Through their accounts at ECCU, members help to provide loans to churches and other Christian organizations, grants to ministries, low-cost banking services to missionaries, and products designed for churches and ministries. 0 0 39087895 The Evangelical Christian Credit Union provided Credit Union Services to our members. Our membership totaled 11,377 as of December 31, 2016. 0 0 0 39087895 0 0 0 0 0 0 0 0 0 1 0 1 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 1 0 0 0 0 0 0 0 0 0 1 3755 0 1 171 1 0 0 0 0 0 0 X 7 6 0 0 0 0 1 1 0 1 1 0 0 1 1 1 1 1 1 1 0 0 X Gregory C Talbott 7146715700 955 West Imperial Highway Suite 100 Brea CA 92821 Van E Elliott Chairman, Director 5 0 X X 5510 0 0 Samuel C Wolgemuth Vice Chairman, Director 5 0 X X 4045 0 0 C Richard Ferree Secretary, Director 5 0 X X 6324 0 0 Jack Russ Treasurer, Director 5 0 X X 3040 0 0 Kenneth N Von Rohr Director 5 0 X 1525 0 0 Carl Moeller Director 5 0 X 4782 0 0 Holly Culhane Director 5 0 X 3317 0 0 James LePere Director 2 X 1146 0 0 Abel L Pomar President/ CEO 40 0 X 411745 0 28059 Susan B Rushing SVP & COO/CRO 40 0 X 195783 0 13017 Gregory C Talbott Chief Financial Officer 34 0 X 176365 0 23939 Robert Nolin EVP & Chief Credit Officer 14 0 X 95970 0 13839 Robert M McDougall EVP & Chief Lending Officer 7 0 X 53030 0 6642 Thomas Honan SVP & Chief Information Officer 40 0 X 188686 0 38443 Tim Lewison VP Portfolio Manager 14 0 X 229093 0 10476 James Kettler Griffiths Director of Member Experience 34 0 X 212435 0 25160 Michael R Boblit Director of Sales, Church & Ministries 40 0 X 204579 0 24805 Gary L Kehr Regional Director, Lending 40 0 X 198380 0 19514 Paul A Schmidhauser Associate General Counsel 39 0 X 189953 0 29126 Mark G Holbrook President/ CEO 0 0 X 135409 0 0 2321117 0 233020 32 1 1 0 Professional Management & Construction Services 22797 County Road 448 Garden Valley TX 75771 Landscaping/water systems maintenance 208399 Dentons US LLP Dept 3078 Carol Stream IL 60132 Attorneys 278309 Q2 Software Inc PO Box 205970 Dallas TX 75320 Data Processing Services 398786 Reveille Inc 2330 Vanguard Way Ste A104 Costa Mesa CA 92626 Marketing 442469 Fiserv Solutions Inc PO Box 80123 City of Industry CA 91716 Data Processing Services 573535 14 0 Loan Interest & Non Interest Fee Income 522310 37436900 37436900 0 0 0 0 0 0 37436900 1756388 1756388 0 0 0 0 0 0 0 0 0 0 2881551 0 0 0 2881551 0 2881551 2881551 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 42074839 42074839 0 0 124309 124309 0 0 0 0 0 0 1151269 1151269 0 0 0 0 0 0 10274311 10274311 0 0 179029 179029 0 0 3174613 3174613 0 0 973344 973344 0 0 0 0 0 0 170528 170528 0 0 391110 391110 0 0 0 0 0 0 0 0 0 0 0 0 530197 530197 0 0 985525 985525 0 0 936945 936945 0 0 1671660 1671660 0 0 0 0 0 0 619976 619976 0 0 28436 28436 0 0 0 0 0 0 57670 57670 0 0 7670850 7670850 0 0 0 0 0 0 1799340 1799340 0 0 758036 758036 0 0 Provision for Loan Losses 4557998 4557998 0 0 Member Transactions 3032749 3032749 0 0 39087895 39087895 0 0 107096 474144 109560499 39668282 0 0 0 0 0 0 0 0 634178537 575791610 0 0 2462192 2721026 76905219 28277051 54870295 48628168 51720778 86086077 0 0 28832726 42026920 0 0 18754559 19039970 900486682 814436197 1905502 4550654 0 0 234831 294092 0 0 0 0 0 0 109032996 10455923 0 0 729515347 736328725 840688676 751629394 X 0 0 0 0 59798006 62806803 59798006 62806803 900486682 814436197 X 2986944 5403 0 0 0 16450 X 0 1 X 1 0 0 11994979 11994979 0 49747449 14140448 35607001 0 0 0 0 0 15162791 14136603 1026188 0 0 0 0 48628168 Federal Corporate Credit Union Capital Shares 1000000 C Central Liquidity Facility Stock 1997097 C Investment in CUSO's 2193823 C Certificates of Deposit 36836000 C 42026920 0 Member Deposits 736328725 736328725 X 42074839 0 0 0 0 0 42074839 0 0 0 42074839 39087895 0 0 0 0 0 39087895 0 0 0 39087895 Schedule D, Part X, Line 2 The Credit Union had no unrecognized tax benefits at December 31, 2016 and 2015. Interest and penalties related to unrecognized tax benefits are recognized by the Credit Union as an administrative expense. During the years ended December 31, 2016 and 2015, the Credit Union recognized no interest or penalties. 1 Vanguard University 55 Fair Dr Costa Mesa CA 92626 956002998 501 (C) 3 5500 0 General Support ReachGlobal 901 E 78th St Minneapolis MN 55420 410721672 501 (C) 3 5900 0 General Support The Seed Company 220 Westway Pl Suite 100 Arlington TX 76018 330838929 501 (c) 3 6000 0 General Support Presence Point 1401 19th St 204 Bakersfield CA 93301 474472335 501 (c) 3 6500 0 General Support RCO Ministries Po Box 1378 Crystal Lake IL 60039 462356463 501 (c) 3 6750 0 General Support Youth for Christ USA Po Box 4478 Englewood CO 80155 362193619 501 (c) 3 7000 0 General Support International Teams 411 West River Road Elgin IL 60123 366069820 501 (c) 3 7300 0 General Support OC International PO BOX 36900 COLORADO CO 80936 941501634 501 (c) 3 7300 0 General Support Vanguard Global Network 359 Presque Isle Road Lexington SC 29072 262577550 501 (c) 3 7500 0 General Support Wycliffe Bible Translators Po Box 628211 Orlando FL 32962 951831097 501 (c) 3 15550 0 General Support 10 0 Schedule I, Part I, Line 2 The Board of Directors has established a Ministry Grant Committee, and ECCU management has established an ECCU Missions Committee. The Board of Directors determines the overall annual grant limits for the Ministry Grant Committee and Missions Committee, as well as grant allocation limits for officials. The ECCU Missions Committee reviews and approves grants for current and former ECCU employees to serve short-term or long-term missions to ministry organizations. An official must complete a Ministry Grant Application for an approved ministry with an amount not to exceed his/her allocation limit. ECCU's Ministry Grant Policy requires that any application by an official receive the approval of the Chairman of the Ministry Grant Committee and the Chairman of the Board. Before any grant is approved by either the Ministry Grant Committee or ECCU Missions Committee, the applicable Committee must first determine that the ministry organization recipient is either a current member of ECCU or an organization approved in ECCU's field of membership. All recipient organizations are required to be licensed 501(c)(3) organizations. To be qualified for ECCU's field of membership, an organization is required to show proof of its 501(c)(3) status, its statement of faith, and its articles of incorporation. Annually, the Ministry Grant Committee provides a recap of the previous calendar year's grant activity, including names of the officials who requested the grants, the names of ministry recipients, and the amount of the grants paid out. Annually, the ECCU Missions Committee presents a recap of the previous calendar year's short-term and long-term missions trip grants, including current or former employee names, the names of the ministry recipients, and the number of grants paid out. X 1 1 X X X 1 0 0 Abel L Pomar President/ CEO 403461 0 0 0 8284 0 5300 0 22759 0 439804 0 0 0 Thomas Honan SVP & Chief Information Officer 188686 0 0 0 0 0 3920 0 34523 0 227129 0 0 0 Susan B Rushing SVP & COO/CRO 191385 0 0 0 4398 0 3925 0 9092 0 208800 0 0 0 Gregory C Talbott Chief Financial Officer 176365 0 0 0 0 0 1731 0 22208 0 200304 0 0 0 Tim Lewison VP Portfolio Manager 65365 0 44864 0 118864 0 0 0 10476 0 239569 0 0 0 James Kettler Griffiths Director of Member Experience 108249 0 0 0 104186 0 2468 0 22692 0 237595 0 0 0 Michael R Boblit Director of Sales, Church & Ministries 133750 0 70829 0 0 0 4170 0 20635 0 229384 0 0 0 Gary L Kehr Regional Director, Lending 123350 0 67539 0 7491 0 3987 0 15527 0 217894 0 0 0 Paul A Schmidhauser Associate General Counsel 157591 0 29548 0 2814 0 3890 0 25236 0 219079 0 0 0 Mark G Holbrook President/ CEO 0 0 0 0 135409 0 0 0 0 0 135409 0 0 0 Schedule J, Part I, Line 1a Evangelical Christian Credit Union has travel policies and procedures for employees and Board of Directors. Schedule J, Part I, Line 3 The Compensation Committee meets at least annually to identify the CEO's performance objectives and related short-term incentive targets. Industry-specific surveys are reviewed to determine appropriate compensation levels. The Board of Directors reviews the Compensation Committee's recommendations of the CEO's total cash compensation targets and makes a final determination. Schedule J, Part I, Line 4 The following individuals received severance payments in 2016; James Kettler Griffiths ($92,042), Tim Lewison ($111,185) and Mark G. Holbrook ($135,409). Mark Von Rohr Family of Board Member 69552 Employment 0 Form 990, Part VI, Section A, Line 6 Evangelical Christian Credit Union is a state chartered credit union (not-for-profit cooperative) with members who qualify under field of membership criteria. Form 990, Part VI, Section A, Line 7a The Credit Union members elect the Board of Directors. Form 990, Part VI, Section B, Line 11b A draft of the Form 990 is reviewed by the Credit Union's VP of Accounting and Supervisory Committee; updates are made to the draft from their comments. Then copies of the Form 990 are sent to the full Board of Directors so they have the opportunity to provide comments and questions prior to filling. Form 990, Part VI, Section B, Line 12c All employees and Board Members are required to read and sign the conflict of interest policy and acknowledgment. Once an employee or Board Member becomes aware of a conflict, he/she must disclose the conflict. Annually, the Board and the CEO must disclose conflicts of interest. Form 990, Part VI, Section B, Line 15 The Compensation Committee meets at least annually to identify the CEO's performance objectives and related short-term incentive targets. Industry-specific surveys are reviewed to determine appropriate compensation levels. The Board of Directors reviews the Compensation Committee's recommendations of the CEO's total cash compensation targets and makes a final determination. Form 990, Part VI, Section C, Line 19 Governing documents and the conflict of interest policy are not available to the public. Unaudited monthly financials are available on the company website as well as annual financials derived from the audited statements. Form 990, Part XI, Line 9 This is other comprehensive income for minimum pension liability adjustment.