2016-11-14T14:37:09-06:00 2015-12-31 410746749 CLIFTONLARSONALLEN LLP 20 E THOMAS RD STE 2300 PHOENIX AZ 85012 990 2015-01-01 941244186 REDWOOD CREDIT UNION REDW 8004797928 3033 CLEVELAND AVE SUITE 100 SANTA ROSA CA 95403 KATHLEEN PARNELL VP FINANCE 8004797928 2016-11-09 1 JANIS ISAACSON P00089104 6022662248 2015 2017-02-10 21:41:12Z KATHLEEN PARNELL 3033 CLEVELAND AVE SUITE 100 SANTA ROSA CA 95403 130991107 0 X WWW.REDWOODCU.ORG X 1950 CA PASSIONATELY SERVING THE BEST INTERESTS OF OUR MEMBERS, EMPLOYEES, AND COMMUNITIES. SERVING ALL OF OUR MEMBERS FINANCIAL SERVICE NEEDS. 9 9 531 15 200013 -130110 0 0 112864816 127068012 -241902 266549 0 0 112622914 127334561 0 0 0 0 34776253 35603748 0 0 0 30607543 43475750 65383796 79079498 47239118 48255063 2468055914 2822001517 2187289923 2492973591 280765991 329027926 PASSIONATELY SERVING THE BEST INTERESTS OF OUR MEMBERS, EMPLOYEES, AND COMMUNITIES. SERVING ALL OF OUR MEMBERS FINANCIAL SERVICE NEEDS. 0 0 REDWOOD CREDIT UNION IS ENGAGED IN PROVIDING LOW COST FINANCIAL SERVICES TO OUR MEMBER-OWNERS AS A COOPERATIVE ORGANIZATION. 0 0 1 0 0 0 0 0 0 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 1 32083 0 1 531 1 1 1 0 0 0 0 0 X 9 9 0 0 0 0 1 1 0 1 1 0 1 1 0 1 1 1 1 1 1 0 1 1 X KATHLEEN PARNELL 8005454000 3033 CLEVELAND AVE SUITE 100 SANTA ROSA CA 95403 BOB STEELE BOARD MEMBER 1.00 X 0 0 0 JIM OLMSTED BOARD MEMBER 1.00 X 0 0 0 DEBBIE WATTS BOARD MEMBER 1.00 X 0 0 0 DAVE IMOTO BOARD MEMBER 1.00 X 0 0 0 LISA WITTKE SCHAFFNER BOARD MEMBER 1.00 X 0 0 0 ROD DOLE BOARD MEMBER 1.00 X 0 0 0 GREG MCGUIRK BOARD MEMBER 1.00 X 0 0 0 BOB WIECK BOARD MEMBER 1.00 X 0 0 0 ROBERT EYLER BOARD MEMBER 1.00 X 0 0 0 BRETT MARTINEZ PRESIDENT/CEO 40.00 X 859803 0 774372 CHRISTINA COOK EVP CFO 40.00 X 232090 0 30273 WADE PAINTER EVP CFO 40.00 X 314769 0 6789 ROBIN MCKENZIE SVP MARKETING 40.00 X 251113 0 69183 ANTHONY E HILDESHEIM SVP CIO 40.00 X 272834 0 75184 CYNTHIA NEGRI EVP COO 40.00 X 343683 0 113809 KRISTINA DERKOS SVP ADMINISTRATIVE SERVICES 40.00 X 232520 0 80178 BOBBI BEEHLER RCUSG EXECUTIVE DIRECTOR 40.00 X 223205 0 15725 MICHAEL DOWNEY SVP BUSINESS SERVICES 40.00 X 204340 0 71369 ANDY RAMOS SVP MEMBER EXPERIENCE 40.00 X 209274 0 78801 MISHEL KAUFMAN SVP RISK MANAGEMENT 40.00 X 178878 0 45576 TODD N LINDEMANN SVP PAYMENTS 40.00 X 172658 0 47351 RONALD FELDER EVP COO 40.00 X 274232 0 57833 MICHAEL DEFAZIO FINANCIAL ADVISOR 40.00 X 392138 0 8641 CHRISTINE FOSTER FINANCIAL ADVISOR 40.00 X 291985 0 13534 CLARK MATHIESSEN FINANCIAL ADVISOR 40.00 X 253075 0 21359 JASON EHN SBA COMMERCIAL LENDING MANAGER 40.00 X 254284 0 29953 THOMAS HUBERT WEALTH MANAGEMENT PROGRAM DIRECTOR 40.00 X 270906 0 24493 5231787 0 1564423 64 0 1 0 WESTERN BUILDERS 1400 N DUTTON AVE SUITE 7 SANTA ROSA CA 95401 GENERAL CONTRACTORS 1652012 INFOIMAGE INC 141 JEFFERSON DR MENLO PARK CA 94025 STATEMENTS PROVIDER 1444717 CORNERSTONE ADVISORS INC 7272 E INDIAN SCHOOL RD SCOTTSDALE AZ 85251 CONSULTING SERVICES 918555 QUEST TECHNOLOGY MANAGEMENT PO BOX 41039 SACRAMENTO CA 95841 IT MANAGEMENT SERVICE PROVIDER 759950 CLICKAPPRAISER 3189 DANVILLE BLVD 120 ALAMO CA 94507 REAL ESTATE APPRAISALS 659435 58 PROGRAM SERVICE REVENUE 522100 126867999 126867999 UNRELATED BUSINESS INCOME 900099 200013 200013 127068012 2726128 1196967 2655962 1000584 70166 196383 266549 266549 127334561 127134548 200013 0 6796210 28807538 6694965 4589268 5028836 LOAN SERVICING 11368234 OPERATIONS 6523032 OTHER EXPENSES 3789551 EDUCATIONAL AND PROMOTI 2768610 2713254 79079498 530859775 616310726 1809810850 2064156431 63427973 30241281 32634884 33186692 25325724 24687831 69424681 83659837 2468055914 2822001517 17873324 22297345 2169416599 2470676246 2187289923 2492973591 X 0 0 0 0 280765991 329027926 280765991 329027926 2468055914 2822001517 48255063 6872 0 X X 0 1 X 1 0 18500 18500 18500 1 BAY AREA COOPERATIVE PAC #1235423 PO BOX 3643 SUNNYVALE CA 94088 743032874 2000 INDEPENDENT INSURANCE AGENTS & BROKERS IN CA (IIABCAL) PO BOX 406 FARMINGTON CT 06034 943215814 500 MIKE MCGUIRE FOR STATE SENATE 2018 396B THIRD ST SUITE 652 SAN RAFAEL CA 94901 463842849 1000 CA CREDIT UNION LEAGUE PAC 1201 K ST SUITE 1050 SACRAMENTO CA 85814 942329967 5000 CA CREDIT UNION LEAGUE INDEPENDENT EXP ACCT 1201 K ST SUITE 1050 SACRAMENTO CA 85814 942329967 5000 NORTH BAY LEADERSHIP COUNCIL 775 BAYWOOD DRIVE SUITE 101 PETALUMA CA 94954 680234040 5000 PART I-A, LINE 1: CONTRIBUTIONS TO POLITICAL ORGANIZATIONS 8473300 8473300 24073778 6931106 17142672 6090956 3807982 2282974 24509662 19502193 5007469 280277 280277 33186692 MEMBERS' SHARE AND SAVINGS ACCOUNTS 2470676246 2470676246 X PART X, LINE 2: THE CREDIT UNION AND ITS SUBSIDIARY EVALUATED THEIR TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2015 AND 2014. X 1 1 X X X X X X 1 1 0 BRETT MARTINEZ PRESIDENT/CEO 640320 0 201180 0 18303 0 758655 0 15717 0 1634175 0 0 0 CHRISTINA COOK EVP CFO 214562 0 17197 0 331 0 13129 0 17144 0 262363 0 0 0 WADE PAINTER EVP CFO 139744 0 11121 0 163904 0 4523 0 2266 0 321558 0 163487 0 ROBIN MCKENZIE SVP MARKETING 220980 0 17619 0 12514 0 61010 0 8173 0 320296 0 0 0 ANTHONY E HILDESHEIM SVP CIO 200287 0 15883 0 56664 0 69799 0 5385 0 348018 0 56481 0 CYNTHIA NEGRI EVP COO 290200 0 36494 0 16989 0 101962 0 11847 0 457492 0 0 0 KRISTINA DERKOS SVP ADMINISTRATIVE SERVICES 204772 0 20061 0 7687 0 63485 0 16693 0 312698 0 0 0 BOBBI BEEHLER RCUSG EXECUTIVE DIRECTOR 203231 0 19974 0 0 0 6328 0 9397 0 238930 0 0 0 MICHAEL DOWNEY SVP BUSINESS SERVICES 188283 0 16057 0 0 0 53000 0 18369 0 275709 0 0 0 ANDY RAMOS SVP MEMBER EXPERIENCE 182655 0 19071 0 7548 0 60001 0 18800 0 288075 0 0 0 MISHEL KAUFMAN SVP RISK MANAGEMENT 167272 0 11394 0 212 0 35727 0 9849 0 224454 0 0 0 TODD N LINDEMANN SVP PAYMENTS 159088 0 13570 0 0 0 32063 0 15288 0 220009 0 0 0 RONALD FELDER EVP COO 247590 0 26054 0 588 0 39033 0 18800 0 332065 0 0 0 MICHAEL DEFAZIO FINANCIAL ADVISOR 26949 0 363389 0 1800 0 8641 0 0 0 400779 0 0 0 CHRISTINE FOSTER FINANCIAL ADVISOR 26435 0 265550 0 0 0 7267 0 6267 0 305519 0 0 0 CLARK MATHIESSEN FINANCIAL ADVISOR 14905 0 236836 0 1334 0 5515 0 15844 0 274434 0 0 0 JASON EHN SBA COMMERCIAL LENDING MANAGER 101845 0 151939 0 500 0 17357 0 12596 0 284237 0 0 0 THOMAS HUBERT WEALTH MANAGEMENT PROGRAM DIRECTOR 117869 0 153037 0 0 0 7800 0 16693 0 295399 0 0 0 PART I, LINES 4A-B BOBBI K BEEHLER - $21,699 (SEVERANCE PAY) RONALD FELDER - $31,083 CONTRIBUTTION TO 457(F) CYNTHIA A NEGRI - $50,837 CONTRIBUTION TO 457(F) KRISTINA DERKOS - $28,759 CONTRIBUTION TO 457(F) ANTHONY HILDESHEIM - $26,641 CONTRIBUTION TO 457(F) ROBIN L MCKENZIE - $23,220 CONTRIBUTION TO 457(F) ANDY O RAMOS - $27,863 CONTRIBUTION TO 457(F) TODD N LINDEMANN - $26,644 CONTRIBUTION TO 457(F) MISHEL W KAUFMAN - $12,678 CONTRIBUTION TO 457(F) CHRISTINA COOK - $6,326 CONTRIBUTION TO 457(F) BRETT J MARTINEZ - $132,452 CONTRIBUTION TO 457(F) BRETT J MARTINEZ - $594,090 CONTRIBUTION TO SERP WADE PAINTER - $129,390 DISTRIBUTION FROM 457(F) ANTHONY HILDESHEIM - $56,481 DISTRIBUTION FROM 457(F) WADE PAINTER - $34,097 DISTRIBUTION FROM 457(B) FORM 990, PART VI, SECTION A, LINE 6 ORGANIZATION IS A CREDIT UNION AND AS SUCH HAS MEMBERS THAT UTILIZE THE CREDIT UNION FOR THEIR FINANCIAL NEEDS. FORM 990, PART VI, SECTION A, LINE 7A ORGANIZATION IS A CREDIT UNION AND THE MEMBERSHIP ELECTS THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 11 FORM WILL BE COMPLETED AND REVIEWED BY THE VP/FINANCE, SVP/ADMINSTRATIVE SERVICES AND PRESIDENT/CEO BEFORE IT IS FILED. FORM 990, PART VI, SECTION B, LINE 12C VOLUNTEERS MUST DISCLOSE TO THE BOARD OF DIRECTORS ANNUALLY ANY INVOLVEMENT WITH ORGANIZATIONS WHICH DO BUSINESS WITH THE CREDIT UNION. CREDIT UNION SENIOR MANAGEMENT SIGNS A DISCLOSURE ANNUALLY PER POLICY. FORM 990, PART VI, SECTION B, LINE 15A COMPENSATION OF THE CEO IS APPROVED BY THE BOARD OF DIRECTORS AFTER THE COMPENSATION COMMITTEE GATHERS DATA FROM OUTSIDE SOURCES AND REVIEWS SURVEY AND OTHER DATA. FORM 990, PART VI, SECTION C, LINE 19 QUARTERLY INCOME STATEMENTS ARE POSTED AT EACH BRANCH. ANNUAL FINANCIALS AND ANNUAL REPORT ARE AVAILABLE ON THE COMPANY'S WEBSITE. FORM 990, PART XII, LINE 2C: THE AUDIT COMMITTEE OVERSEES THE AUDITED FINANCIAL STATEMENTS. REDWOOD CREDIT UNION COMMUNITY FUND INC 3033 CLEVELAND AVENUE SANTA ROSA CA 95403 475084832 ADVANCING WELL-BEING OF THE COMMUNITY CA 501(C)(3) 7 REDWOOD CREDIT UNION 1 RCU SERVICES GROUP INC 3303 CLEVELAND AVE SUITE 100 SANTA ROSA CA 95403 680465274 INSURANCE AND AUTO SERVICES CA REDWOOD CREDIT UNION C 453771 7415398 1.00000 1 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 RCU SERVICES GROUP INC A 26400 CASH RCU SERVICES GROUP INC L 70800 CASH