CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO: Form 990, tax year 2016

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO (EIN 84-0470451)
Tax period: 2016-01-01 to 2016-12-31
Filed: 2017-11-07
IRS object ID: 201743119349300804
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 I
Schedule J
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2017-11-07T13:23:10-06:00	ReturnTs
Tax Period End	2016-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	382492570	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	DOEREN MAYHEW	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	12060 S W 129TH COURT STE 201	AddressLine1Txt
City	MIAMI	CityNm
State Abbreviation	FL	StateAbbreviationCd
ZIP	331864582	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	840470451	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CREDIT UNIONS CHARTERED IN THE STATE OF	BusinessNameLine1Txt
Business Name Line2	COLORADO	BusinessNameLine2Txt

Field	Value	IRS element (for citing)
Business Name Control	CRED	BusinessNameControlTxt
Phone	7195741100	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	7250 CAMPUS DRIVE	AddressLine1Txt
City	COLORADO SPRINGS	CityNm
State Abbreviation	CO	StateAbbreviationCd
ZIP	809206517	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	MARY COON	PersonNm
Person Title	CFO	PersonTitleTxt
Phone	7195506760	PhoneNum
Signature	2017-11-07	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	DOUGLAS J ORTH	PreparerPersonNm
PTIN	P01076394	PTIN
Phone	3052328272	PhoneNum

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	50.235.194.18	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2017-11-07	IPDt
IP Tm	13:42:00	IPTm
IP Timezone	ES	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	062293E64DF58CF8D35332F263D6456F83B37FCF	AtSubmissionCreationDeviceId
At Submission Filing Device Id	062293E64DF58CF8D35332F263D6456F83B37FCF	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)
Initial Return	Yes (X)	InitialReturnInd

Doing Business As Name DoingBusinessAsName

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

Field	Value	IRS element (for citing)
Principal Officer	CHAD GRAVES	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	7250 CAMPUS DRIVE	AddressLine1Txt
City	COLORADO SPRINGS	CityNm
State Abbreviation	CO	StateAbbreviationCd
ZIP	809206517	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$244,197,775	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	ENT.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1991	FormationYr
Legal Domicile State	CO	LegalDomicileStateCd
Activity Or Mission	THE MISSION OF ENT CREDIT UNION IS TO IMPROVE MEMBERS' QUALITY OF LIFE THROUGH EDUCATION, UNBIASED FINANCIAL ADVICE, AND ACCESS TO THE HIGHEST QUALITY FINANCIAL PRODUCTS AND SERVICES.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	800	TotalEmployeeCnt
Total Volunteers	16	TotalVolunteersCnt
Total Gross UBI	$1,261,446	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$541,831	NetUnrelatedBusTxblIncmAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$150,714,131	PYProgramServiceRevenueAmt
CY Program Service Revenue	$167,763,824	CYProgramServiceRevenueAmt
PY Investment Income	$10,404,352	PYInvestmentIncomeAmt
CY Investment Income	$10,072,510	CYInvestmentIncomeAmt
PY Other Revenue	$2,087,406	PYOtherRevenueAmt
CY Other Revenue	$7,878,078	CYOtherRevenueAmt
PY Total Revenue	$163,205,889	PYTotalRevenueAmt
CY Total Revenue	$185,714,412	CYTotalRevenueAmt
PY Grants And Similar Paid	$787,883	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$524,525	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$49,587,224	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$54,908,352	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$65,465,199	PYOtherExpensesAmt
CY Other Expenses	$73,871,040	CYOtherExpensesAmt
PY Total Expenses	$115,840,306	PYTotalExpensesAmt
CY Total Expenses	$129,303,917	CYTotalExpensesAmt
PY Revenues Less Expenses	$47,365,583	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$56,410,495	CYRevenuesLessExpensesAmt
Total Assets BOY	$4,389,713,766	TotalAssetsBOYAmt
Total Assets EOY	$4,739,287,724	TotalAssetsEOYAmt
Total Liabilities BOY	$3,853,860,749	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$4,145,306,312	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$535,853,017	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$593,981,412	NetAssetsOrFundBalancesEOYAmt
Mission	THE MISSION OF ENT CREDIT UNION IS TO IMPROVE MEMBERS' QUALITY OF LIFE THROUGH EDUCATION, UNBIASED FINANCIAL ADVICE, AND ACCESS TO THE HIGHEST QUALITY FINANCIAL PRODUCTS AND SERVICES.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	ENT CREDIT UNION SERVES FREMONT, PUEBLO, EL PASO, TELLER, DOUGLAS, ARAPAHOE, DENVER AND JEFFERSON COUNTIES. THE CREDIT UNION IMPROVES OUR MEMBER'S QUALITY OF LIFE BY OFFERING A FULL ARRAY OF PRODUCTS AND SERVICES INCLUDING DEPOSITORY AND LOAN PRODUCTS, ATM/DEBIT PROGRAM, FINANCIAL EDUCATION, INSURANCE AND INVESTMENT SALES. WE ENDED THE YEAR WITH 280,861 MEMBERS AND 310,253 SHARE ACCOUNTS. THERE WERE 68,045 LOANS GRANTED TOTALING $1,773,630,844. ENT CREDIT UNION CURRENTLY OFFERS 26 BRANCH LOCATIONS WITH A WIDE ARRAY OF REMOTE OPTIONS THROUGH OUR COOPERATION WITH THE COOP ATM NETWORK, SHARED BRANCH NETWORK AND ONLINE/MOBILE BANKING SOLUTIONS.	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	Yes (1)	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	Yes (1)	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	182536	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	800	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	9	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	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

Field	Value	IRS element (for citing)
Person	MARY COON	PersonNm
Phone	7195741100	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	7250 CAMPUS DRIVE	AddressLine1Txt
City	COLORADO SPRINGS	CityNm
State Abbreviation	CO	StateAbbreviationCd
ZIP	809206517	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (22 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Key EmployeeKeyEmployeeInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
LORI KURTZ
BOARD CHAIR	1.00	Yes (X)	$2,497	$0	$0
STEPHEN FUSCHER
BOARD VICE CHAIR	1.00	Yes (X)	$4,955	$0	$0
STEVEN DUCOFF
BOARD SECRETARY	1.00	Yes (X)	$8,219	$0	$0
RON MARTINEZ
BOARD TREASURER	1.00	Yes (X)	$10,479	$0	$0
WILLIAM AYEN
BOARD MEMBER	1.00	Yes (X)	$4,153	$0	$0
WALTER GLOVER
BOARD MEMBER	1.00	Yes (X)	$9,369	$0	$0
RICHARD KALLETTA
BOARD MEMBER	1.00	Yes (X)	$7,017	$0	$0
MEREDITH VAUGHAN
BOARD MEMBER	1.00	Yes (X)	$1,354	$0	$0
LUIS VELEZ
BOARD MEMBER	1.00	Yes (X)	$4,044	$0	$0
RANDY BERNSTEIN
PRESIDENT/CEO	40.00		$1,100,982	$0	$299,625	Yes (X)
WILLIAM VOGENEY
SREVP FIN/LOANS	40.00		$491,165	$0	$111,571	Yes (X)
CHAD GRAVES
SREVP OPS/TECH	40.00		$412,774	$0	$150,963	Yes (X)
MARY COON
EVP/CFO	40.00		$440,967	$0	$106,257	Yes (X)
MATTHEW GENDRON
EVP/OPS	40.00		$312,419	$0	$29,660		Yes (X)
BARBARA WINTER
EVP/ORG RESOURCES	40.00		$298,266	$0	$34,015		Yes (X)
JON PAUKOVICH
SVP/CLO	40.00		$275,005	$0	$80,973		Yes (X)
CHRIS MARSHALL
SVP/CIO	40.00		$267,253	$0	$39,660		Yes (X)
STEPHANIE DOMBROWSKI
MLO	40.00		$494,424	$0	$20,284			Yes (X)
GINA ALLMAN
MLO	40.00		$276,661	$0	$14,118			Yes (X)
THOMAS BECHTEL
MLO	40.00		$275,188	$0	$19,497			Yes (X)
KERI GASS
MLO	40.00		$272,343	$0	$21,532			Yes (X)
CLINTON SCHNEIDER
SVP/CHIEF AUDIT/RISK OFFICER	40.00		$270,077	$0	$28,458			Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$5,239,611	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$956,613	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	85	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
CU COOPERATIVE SYSTEM INC
9692 HAVEN AVENUE	CUCAMONGA	CA	91730	DEBIT CARD PROCESSING AND ATM NETWORK SE	$2,236,887
REAL ESTATE APPRAISAL SOLUTIONS LLC
3150 LIVERNOIS SUITE 310	TROY	MI	48083	DBA: SYNERGY APPRAISAL SERVICES	$1,586,020
JACK HENRY & ASSOCIATES
PO BOX 609	MONETT	MO	65708	CORE IT SYSTEMS AND APPLICATIONS	$1,501,803
VISA USA INC
PO BOX 8999	SAN FRANCISCO	CA	94128	PAYMENT CARD ASSOCIATION BRANDING & CARD	$1,410,082
GRAHAM OLESON
525 COMMUNICATION CIRCLE	COLORDADO SPRINGS	CO	809051736	MARKETING MEDIA BUYING AND PLACEMENT AGE	$1,296,649

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	85	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	522100	$126,349,569	$126,349,569
FEES/CHARGE/OTHER	522100	$40,152,809	$40,152,809
NON-MEMBERSHIP ATM	900099	$726,390		$726,390
AUTO WARRANTY SALES	900099	$197,775		$197,775
SHARED BRANCHING	900099	$181,681		$181,681

Total Oth Program Service Rev TotalOthProgramServiceRevGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$155,600	TotalRevenueColumnAmt
Unrelated Business Revenue	$155,600	UnrelatedBusinessRevenueAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$167,763,824	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$9,741,364	TotalRevenueColumnAmt
Related Or Exempt Func Income	$9,741,364	RelatedOrExemptFuncIncomeAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$156,633	RealAmt

Less Rental Expenses LessRentalExpensesGrp

Field	Value	IRS element (for citing)
Real	$0	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$156,633	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$156,633	TotalRevenueColumnAmt
Related Or Exempt Func Income	$156,633	RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$58,814,509	SecuritiesAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$58,483,363	SecuritiesAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$331,146	SecuritiesAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$331,146	TotalRevenueColumnAmt
Related Or Exempt Func Income	$331,146	RelatedOrExemptFuncIncomeAmt

Other Revenue Misc OtherRevenueMiscGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
GAIN ON SALE OF LOANS	522100	$5,499,830	$5,499,830
NON-OPERATING INCOME	522100	$2,221,615	$2,221,615

Field	Value	IRS element (for citing)
Other Revenue Total	$7,721,445	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$185,714,412	TotalRevenueColumnAmt
Related Or Exempt Func Income	$184,452,966	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$1,261,446	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$524,525	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$4,503,642	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$36,993,740	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$2,130,703	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$8,085,577	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$3,194,690	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$86,150	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$172,200	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$2,802,921	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$3,645,664	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$6,507,367	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$3,006,999	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$2,724,162	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$561,029	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$23,022,644	TotalAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$383,478	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$4,341,223	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$500,456	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
DERIVATIVES	$6,340,600
DEBT CARD EXPENSE	$6,122,746
PROVISION FOR LOAN LOSS	$4,634,446
LOAN SERVICING EXPENSE	$4,501,912

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$4,517,043	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$129,303,917	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$26,827,143	BOYAmt
EOY	$27,232,714	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$277,664,749	BOYAmt
EOY	$292,678,827	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$3,476,443	BOYAmt
EOY	$3,560,248	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$3,171,530,514	BOYAmt
EOY	$3,586,895,741	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$2,286,482	BOYAmt
EOY	$2,339,487	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$84,991,069	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$42,285,075	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$40,787,402	BOYAmt
EOY	$42,705,994	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$599,816,198	BOYAmt
EOY	$431,530,710	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$7,582,200	BOYAmt
EOY	$4,618,200	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
EOY	$10,000,000	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$259,742,635	BOYAmt
EOY	$337,725,803	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$4,389,713,766	BOYAmt
EOY	$4,739,287,724	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$333,476,621	BOYAmt
EOY	$221,709,737	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$3,520,384,128	BOYAmt
EOY	$3,923,596,575	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$3,853,860,749	BOYAmt
EOY	$4,145,306,312	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	$535,853,017	BOYAmt
EOY	$593,981,412	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$535,853,017	BOYAmt
EOY	$593,981,412	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$4,389,713,766	BOYAmt
EOY	$4,739,287,724	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$56,410,495	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$1,932,094	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$3,649,994	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	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Consolidated Basis Fincl Stmt	Yes (X)	ConsolidatedBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$12,408,496	OtherCostOrOtherBasisAmt
Book Value	$12,408,496	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$34,452,852	OtherCostOrOtherBasisAmt
Depreciation	$12,005,019	DepreciationAmt
Book Value	$22,447,833	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,201,977	OtherCostOrOtherBasisAmt
Depreciation	$3,613,142	DepreciationAmt
Book Value	$588,835	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$33,927,744	OtherCostOrOtherBasisAmt
Depreciation	$26,666,914	DepreciationAmt
Book Value	$7,260,830	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$42,705,994	TotalBookValueLandBuildingsAmt

Other Assets Org OtherAssetsOrgGrp (12 entries)

DescDesc	Book ValueBookValueAmt
CUSO OTHER ASSETS	$69,519
ACCRUED INTEREST ON LOANS	$8,480,430
ACCRUED INTEREST ON INVESTMENT	$1,205,677
NCUSIF	$34,266,535
OREO	$69,106
CUSO INVESTMENT	$3,273,923
LOANS HELD FOR SALE	$45,692,803
LOAN SERVICE RIGHTS	$5,007,554
DERIVATIVES	$8,898,104
DEFERRED COMPENSATION	$713,900
REPURCHASE AGREEMENTS	$229,000,000
OTHER	$1,048,252

Field	Value	IRS element (for citing)
Total Book Value Other Assets	$337,725,803	TotalBookValueOtherAssetsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (5 entries)

DescDesc	AmtAmt
SHARE DRAFT	$838,607,597
SHARES	$1,000,101,256
MONEY MARKET	$1,229,548,559
IRA	$49,917,807
CD'S	$805,421,356

Field	Value	IRS element (for citing)
Total Liability	$3,923,596,575	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART X, LINE 2:	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL AND STATE INCOME TAXES; HOWEVER, THE CREDIT UNION'S WHOLLY OWNED CUSO IS SUBJECT TO FEDERAL AND STATE INCOME TAXES. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE CONSOLIDATED FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE "MORE LIKELY THAN NOT" STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN THE INTERNAL REVENUE CODE (IRC) SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (UBI) DERIVED BY STATE-CHARTERED CREDIT UNIONS. UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNION'S ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING CONSOLIDATED FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2015, 2014, AND 2013 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE DIFFERENT THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS.	ExplanationTxt

Schedule I IRS990ScheduleI

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

Recipient Table RecipientTable (42 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	Recipient EINRecipientEIN	IRC SectionIRCSectionDesc	Cash GrantCashGrantAmt	Purpose Of GrantPurposeOfGrantTxt
PROSPECT HOME CARE & HOSPICE
16222 US-24 STE 120	WOODLAND PARK	CO	80863	840884609	501(C)(3)	$5,000	PROGRAM SUPPORT
AMERICAN RED CROSS
1040 S 8TH STREET	COLORADO SPRINGS	CO	80905	530196605	501(C)(3)	$10,000	HOMETOWN HEROES COS & PUEBLO
CATHOLIC CHARITIES
228 N CASCADE AVE	COLORADO SPRINGS	CO	80903	840586169	501(C)(3)	$5,000	ST. PATRICK'S DAY GALA
COLORADO SPRINGS CONSERVATORY 2 OF 2 PAID IN FULL
415 S SAHWATCH ST	COLORADO SPRINGS	CO	80903	841502211	501(C)(3)	$12,500	DONATION (ENT DONOR FUND FOR PROGRAM SUPPORT)
MOUNTAIN WEST CREDIT UNION FOUNDATION
2020 N CENTRAL AVENUE STE 530	PHOENIX	AZ	85004	742232424	501(C)(3)	$6,000	BROADMOOR GOLF IN APRIL
DISCOVER GOODWILL FOUNDATION
1460 GARDEN OF THE GODS ROAD	COLORADO SPRINGS	CO	80907	840513404	501(C)(3)	$6,000	ANNUAL DINNER / ENCHANTED EVENING
ALZHEIMER'S ASSOCIATION (EIN SAME FOR COS PUEBLO & DEN)
2315 BOTT AVENUE	COLORADO SPRINGS	CO	80904	133039601	501(C)(3)	$5,000	LUNCH SPONSOR
A PRECIOUS CHILD
557 BURBANK STREET	BROOMFIELD	CO	80920	263349334	501(C)(3)	$5,000	YES GRANT
BOYS AND GIRLS CLUBS OF PUEBLO COUNTY (EIN SAME FOR COS & PUEBLO)
635 W CORONA AVENUE SUITE 105	PUEBLO	CO	81004	237307508	501(C)(3)	$5,000	YES GRANT
CARE AND SHARE INC PUEBLO REGION (EIN SAME FOR COS & PUEBLO)
100 GREENHORN DRIVE	PUEBLO	CO	81004	840731930	501(C)(3)	$5,000	YES GRANT
CHILDREN'S ADVOCACY CENTER (SAFE PASSAGE)
423 SOUTH CASCADE AVENUE	COLORADO SPRINGS	CO	80903	841241767	501(C)(3)	$5,000	YES GRANT
COURT CARE OF THE PIKES PEAK REGION
PO BOX 68	COLORADO SPRINGS	CO	80901	980198200	501(C)(3)	$5,000	YES GRANT
DALE HOUSE PROJECT
7 WEST DALE STREET	COLORADO SPRINGS	CO	80903	841571115	501(C)(3)	$5,000	YES GRANT
DENVER CHILDREN'S ADVOCACY CENTER
2149 FEDERAL BLVD	DENVER	CO	80211	841155873	501(C)(3)	$5,000	YES GRANT
DEPRESSION AND BIPOLAR SUPPORT ALLIANCE OF COS
2132 E BIJOU ST STE 112	COLORADO SPRINGS	CO	80909	841305365	501(C)(3)	$5,000	YES GRANT
RONALD MCDONALD HOUSE CHARITIES
311 NORTH LOGAN AVENUE	COLORADO SPRINGS	CO	80909	841013843	501(C)(3)	$5,000	YES GRANT
THE HOME FRONT CARES
PO BOX 38516	COLORADO SPRINGS	CO	809378516	200564493	501(C)(3)	$5,000	YES GRANT
THE NATIONAL CREDIT UNION FOUNDATION
5710 MINERAL POINT ROAD	MADISON	WI	537054454	391383650	501(C)(3)	$5,000	BRONZE SUPPORTER
MOUNTAIN WEST CREDIT UNION FOUNDATION
3552 E 24TH STREET	CASPER	WY	82609	742232424	501(C)(3)	$12,000	FOUNDATION GALA 2016
YMCA OF THE PIKES PEAK REGION
316 N TEJON ST	COLORADO SPRINGS	CO	80903	840404266	501(C)(3)	$10,000	CAMP SHADY BROOK
2018 US SENIOR OPEN (FINANCES RUN THROUGH BROADMOOR)
1 LAKE AVENUE	COLORADO SPRINGS	CO	80906	840155150		$11,667	CHARITABLE/PHILANTHROPIC DONATION
PIKES PEAK COUNCIL - BOY SCOUTS OF AMERICA
985 W FILLMORE ST	COLORADO SPRINGS	CO	80907	840404226	501(C)(3)	$10,000	DONATION (ENT DONOR FUND FOR PROGRAM SUPPORT)
PIKES PEAK UNITED WAY
518 N NEVADA AVE	COLORADO SPRINGS	CO	80903	840511799	501(C)(3)	$16,500	2015-2016 CORNERSTONE CAMPAIGN
PENROSE-ST FRANCIS FOUNDATION
2222 N NEVADA AVENUE	COLORADO SPRINGS	CO	80907	840902211	501(C)(3)	$33,500	DONATION (ENT DONOR FUND FOR PROGRAM SUPPORT)
SPRINGS RESCUE MISSION
5 W LAS VEGAS STREET	COLORADO SPRINGS	CO	80903	841340824	501(C)(3)	$8,358	LOGGED AGAINST PHILANTHROPY / EMPLOYEES CONTRIBUTIONS 33,942.36
ALZHEIMER'S ASSOCIATION DENVER
455 N SHERMAN ST SUITE 500	DENVER	CO	80203	133039601	501(C)(3)	$5,000	2016 DENVER WALK P/RANDY B
UNIVERSITY OF COLORADO FOUNDATION
1420 AUSTIN BLUFFS PARKWAY	COLORADO SPRINGS	CO	80918	846000555	501(C)(3)	$140,000	SPONSORSHIP SUPPORT AGREEMENT
FESTIVAL OF LIGHTS PARADE
1235 OAKMOOR HEIGHTS	COLORADO SPRINGS	CO	80906	841125913	501(C)(3)	$5,000	2016 FESTIVAL OF LIGHTS PARADE
POLICE FOUNDATION OF COLORADO SPRINGS
10 LAKE CIRCLE	COLORADO SPRINGS	CO	80906	270926740	501(C)(3)	$10,000	MEDAL OF HONOR LUNCHEON
INNOVATIONS IN AGING COLLABORATIVE
1661 MESA AVENUE	COLORADO SPRINGS	CO	80906	460968566	501(C)(3)	$10,000	DONATION (ENT DONOR FUND FOR PROGRAM SUPPORT)
GRECCIO HOUSING
1015 E PIKES PEAK AVENUE STE 110	COLORADO SPRINGS	CO	80903	841158819	501(C)(3)	$7,500	DONATION (ENT DONOR FUND FOR PROGRAM SUPPORT)
CITY OF WOODLAND PARK PAYMENT 2 OF 3
PO BOX 9007	WOODLAND PARK	CO	80866	846002740		$25,000	DONATION (ENT DONOR FUND FOR PROGRAM SUPPORT)
PUEBLO POLICE DEPARTMENT
200 SOUTH MAIN STREET	PUEBLO	CO	81003	846000615		$7,500	PUEBLO POLICE DEPT AWARDS
PENROSE ST FRANCIS FOUNDATION
2222 N NEVADA AVENUE	COLORADO SPRINGS	CO	80907	840902211	501(C)(3)	$5,000	DONATION (ENT DONOR FUND FOR PROGRAM SUPPORT)
COLORADO SPRINGS CONSERVATORY
415 S SAHWATCH	COLORADO SPRINGS	CO	80903	841502211	501(C)(3)	$5,000	2017 WINE FESTIVAL
AMERICAN RED CROSS
1040 S 8TH STREET	COLORADO SPRINGS	CO	80905	530196605	501(C)(3)	$12,500	2017 HOMETOWN HEROES PUBLO $7,500 + COS$5,000
COLORADO SPRINGS UTILITIES FOUNDATION - PROJECT COPE
PO BOX 1103	COLORADO SPRINGS	CO	80947	208643063	501(C)(3)	$7,500	DONATION (ENT DONOR FUND FOR PROGRAM SUPPORT)
JUNIOR ACHIEVEMENT
1 EDUCATION WAY	COLORADO SPRINGS	CO	80906	846009223	501(C)(3)	$12,000	OPERATING PROGRAMS $10,00 COS / $2,000 PUEBLO
SALVATION ARMY
910 YUMA STREET	COLORADO SPRINGS	CO	80909	941156347	501(C)(3)	$5,000	DONATION (ENT DONOR FUND FOR PROGRAM SUPPORT)
INDY GIVE
235 S NEVADA AVENUE	COLORADO SPRINGS	CO	80903	812029897	501(C)(3)	$6,000	CATEGORY HOME SAFE A HAND UP
JUNIOR ACHIEVEMENT (PAYMENT1 - 100000 COMMITMENT)
1 EDUCATION WAY	COLORADO SPRINGS	CO	80906	846009223	501(C)(3)	$50,000	DONATION (ENT DONOR FUND FOR PROGRAM SUPPORT)
PIKES PEAK PREP -21ST CENTURY CHARTER SCHOOL AT COLORADO SPRINGS (DBA PIKES
525 EAST COSTILLA ST	COLORADO SPRINGS	CO	80903	202498520	501(C)(3)	$5,000	PROGRAM SUPPORT

Field	Value	IRS element (for citing)
Total501c3 Org	39	Total501c3OrgCnt
Total Other Org	3	TotalOtherOrgCnt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	SCHEDULE I, PART I, LINE 2	FormAndLineReferenceDesc
Explanation	ENT TRACKS ALL GRANTS VIA AN EXCEL SPREADSHEET MANAGED BY OUR ADMINISTRATIVE DEPARTMENT. THIS IS UPDATED BI-MONTHLY. ENT MAKES CONTRIBUTIONS TO ORGANIZATIONS, AGENCIES AND ACTIVITIES SERVING THE FOLLOWING PURPOSES: EDUCATION, HEALTH, HUMAN SERVICES, COMMUNITY (INCLUDING CULTURAL) DEVELOPMENT, ECONOMIC DEVELOPMENT AND MILITARY RECOGNITION AND MORALE. ALL CONTRIBUTIONS ARE TO ORGANIZATIONS HERE IN THE COMMUNITIES WE SERVE	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Idemnification Gross Up Pmts	Yes (X)	IdemnificationGrossUpPmtsInd
Discretionary Spending Acct	Yes (X)	DiscretionarySpendingAcctInd
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
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
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 (13 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
RANDY BERNSTEIN
PRESIDENT/CEO	$463,320	$0	$132,578	$0	$505,084	$0	$292,000	$0	$7,625	$0	$1,400,607	$0	$0	$0
WILLIAM VOGENEY
SREVP FIN/LOANS	$312,813	$0	$95,124	$0	$83,228	$0	$104,500	$0	$7,071	$0	$602,736	$0	$0	$0
CHAD GRAVES
SREVP OPS/TECH	$316,999	$0	$95,124	$0	$651	$0	$143,000	$0	$7,963	$0	$563,737	$0	$0	$0
MARY COON
EVP/CFO	$280,820	$0	$87,621	$0	$72,526	$0	$104,500	$0	$1,757	$0	$547,224	$0	$0	$0
MATTHEW GENDRON
EVP/OPS	$235,378	$0	$59,642	$0	$17,399	$0	$24,000	$0	$5,660	$0	$342,079	$0	$0	$0
BARBARA WINTER
EVP/ORG RESOURCES	$222,773	$0	$58,501	$0	$16,992	$0	$27,250	$0	$6,765	$0	$332,281	$0	$0	$0
JON PAUKOVICH
SVP/CLO	$221,311	$0	$52,022	$0	$1,672	$0	$74,000	$0	$6,973	$0	$355,978	$0	$0	$0
CHRIS MARSHALL
SVP/CIO	$214,467	$0	$50,000	$0	$2,786	$0	$32,238	$0	$7,422	$0	$306,913	$0	$0	$0
STEPHANIE DOMBROWSKI
MLO	$18,679	$0	$464,754	$0	$10,991	$0	$14,871	$0	$5,413	$0	$514,708	$0	$0	$0
GINA ALLMAN
MLO	$20,715	$0	$250,988	$0	$4,958	$0	$11,006	$0	$3,112	$0	$290,779	$0	$0	$0
THOMAS BECHTEL
MLO	$22,469	$0	$246,460	$0	$6,259	$0	$18,000	$0	$1,497	$0	$294,685	$0	$0	$0
KERI GASS
MLO	$20,479	$0	$244,916	$0	$6,948	$0	$18,000	$0	$3,532	$0	$293,875	$0	$0	$0
CLINTON SCHNEIDER
SVP/CHIEF AUDIT/RISK OFFICER	$213,619	$0	$49,940	$0	$6,518	$0	$24,000	$0	$4,458	$0	$298,535	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (5 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART I, LINE 1A	VOLUNTEER BOARD MEMBERS ARE PROVIDED A TRAVEL AND TRAINING BUDGET. THESE FUNDS ARE USED AS EACH BOARD MEMBER DECIDES WHICH TRAINING TO ATTEND. SPOUSE/GUEST TRAVEL EXPENSES COME OUT OF THIS BUDGET. EACH YEAR SPOUSE/GUEST TRAVEL IS REPORTED AS INCOME ON 1099-MISC. THE AMOUNT OF INCREASED TAX LIABILITY FROM THOSE PAYMENTS IS PAID TO THE BOARD MEMBER AS REIMBURSEMENT FOR THE INCREASED TAX LIABILITY. THE AMOUNT OF THAT PAYMENT IS THEN REPORTED AS INCOME ON THE 1099-MISC FOR THE TAX YEAR IN WHICH IT WAS PAID.
PART I, LINE 1B	A WRITTEN POLICY IS IN PLACE TO COVER THE ACTIVITY DESCRIBED IN 1A ABOVE.
PART I, LINE 2	RECEIPTS AND OR WRITTEN SUBSTANTIATION IS REQUIRED FOR REIMBURSEMENT FOR ALL BOARD EXPENSES.
PART I, LINE 3	MEMBERS OF THE BOARD OF DIRECTORS MAKE UP THE COMPENSATION COMMITTEE FOR THE CEO'S COMPENSATION. THE COMMITTEE HIRES AN INDEPENDENT CONSULTANT TO DO A COMPENSATION SURVEY. THE COMMITTEE THEN HIRES AN OUTSIDE EMPLOYMENT ATTORNEY WHO DRAFTS AN EMPLOYMENT CONTRACT. THE CONTRACT IS PASSED BEFORE THE COMPENSATION COMMITTEE FOR APPROVAL PRIOR TO EXECUTION WITH THE CEO.
PART I, LINE 4B	THE CREDIT UNION MAINTAINS A DEFERRED COMP PLAN COVERING CERTAIN MEMBERS OF MANAGEMENT. DURING 2016 THE FOLLOWING BENEFITS WERE ACCRUED: RANDY BERNSTEIN $250,000, WILLIAM VOGENEY $62,500, MARY COON $62,500, CHAD GRAVES $125,000, JON PAUKOVICH $50,000. ADDITIONALLY, RANDY BERNSTEIN RECEIVED A PAYOUT OF $497,308 DURING 2016.

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE ORGANIZATION HAS MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7A	OUR 280,861 MEMBERS EACH ARE ALLOWED ONE VOTE DURING EACH BOARD ELECTION.
FORM 990, PART VI, SECTION A, LINE 7B	MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR SUCH AS POTENTIAL CHARTER CONVERSIONS AND CERTAIN MERGER OPPORTUNITIES.
FORM 990, PART VI, SECTION B, LINE 11B	THE 990 IS PREPARED BY AN OUTSIDE ACCOUNTING FIRM HIRED FOR SUCH PURPOSE. DATA AND OTHER INFORMATION IS SUPPLIED TO THAT FIRM TO USE IN PREPARATION OF THE DOCUMENT. A COPY OF FORM 990 WILL BE PROVIDED TO THE BOARD OF DIRECTORS FOR REVIEW AFTER FILING.
FORM 990, PART VI, SECTION B, LINE 12C	THE INTERNAL AUDIT DEPARTMENT PERFORMS ANNUAL TESTING ON EMPLOYEE AND OFFICIAL ACCOUNTS FOR RATES, TERMS AND CONDITIONS CONSISTENT WITH WHAT WOULD BE OFFERED TO THE GENERAL MEMBERSHIP OUTSIDE OF THE ALLOWED EMPLOYEE DISCOUNT. ANNUALLY A BOARD MONITORING REPORT IS COMPLETED TO ATTEST FOR PURCHASES WHERE NORMALLY PRUDENT PROTECTION HAS NOT BEEN GIVEN AGAINST CONFLICT OF INTEREST. THIS WAS LAST COMPLETED IN SEPTEMBER 2016. TESTING OF NEW HIRE PROCESS DURING 2017 HR AUDIT FOUND NO RELATIVES OF EMPLOYEES OR OFFICIALS WERE HIRED DURING SCOPE PERIOD. THIS IS TESTED WITH EACH HR/PAYROLL AUDIT WHICH IS TYPICALLY ON A THIRD YEAR ROTATION.
FORM 990, PART VI, SECTION B, LINE 15	ENT CREDIT UNION PARTICIPATES IN MULTIPLE, PERIODIC (TYPICALLY ANNUAL), INDUSTRY SALARY SURVEYS, FOR ALL LEVELS OF THE ORGANIZATION, IN ORDER TO ASSESS MARKET PAY PRACTICES AND PROVIDE SUPPORTING DATA FOR INTERNAL RECOMMENDATIONS AND DECISIONS REGARDING PAY STRUCTURES AND INCREASES BASED ON STRATEGIC GOALS AND INITIATIVES.
FORM 990, PART VI, SECTION C, LINE 19	THE CREDIT UNION'S GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNION'S CONFLICT OF INTEREST POLICY IS NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNION'S FINANCIAL STATEMENTS ARE AVAILABLE FOR PUBLIC VIEWING ON NCUA.GOV VIA THE QUARTERLY 5300 FILING.
FORM 990, PART XI, LINE 9:	RECLASSIFICATION ADJUST FOR NET INVESTMENT GAINS -331,146. RECLASSIFICATION ADJUST FOR NET HEDGE LOSSES 6,273,562. NET PENSION LOSS -389,133. UNREALIZED HOLDING LOSSES ON HEDGING ACTIVITY -1,903,289.
FORM 990, PART XII, LINE 2C	THERE WERE NO CHANGES IN THE PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY OF THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR.

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp

Disregarded Entity Name DisregardedEntityName

Field	Value	IRS element (for citing)
Business Name Line1	ENTERPRISE FIRST FINANCIAL SERVICES LLC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	7350 CAMPUS DR STE 200	AddressLine1Txt
City	COLORADO SPRINGS	CityNm
State Abbreviation	CO	StateAbbreviationCd
ZIP	80920	ZIPCd

Field	Value	IRS element (for citing)
EIN	841514066	EIN
Primary Activities	INSURANCE PRODUCTS	PrimaryActivitiesTxt
Legal Domicile State	CO	LegalDomicileStateCd
Total Income	$626,771	TotalIncomeAmt
End Of Year Assets	$363,479	EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

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