ADVANTIS CREDIT UNION: Form 990, tax year 2015

View the entire original 990 at ProPublica ↗

Organization: ADVANTIS CREDIT UNION (EIN 93-0251640)
Tax period: 2015-01-01 to 2015-12-31
Filed: 2016-11-14
IRS object ID: 201633199349311128
Schema version: 2015v2.1
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 C
Schedule D
Schedule I
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2016-11-14T17:22:40-06:00	ReturnTs
Tax Period End	2015-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	910189318	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	Moss Adams LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	805 SW Broadway Ste 1200	AddressLine1Txt
City	Portland	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97205	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2015-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	930251640	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	Advantis Credit Union	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	ADVA	BusinessNameControlTxt
Phone	5037852528	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	9200 SE Sunnybrook Blvd No 300	AddressLine1Txt
City	Clackamas	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97015	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	LAURIE WILSON	PersonNm
Person Title	SVP/Chief Financial Officer	PersonTitleTxt
Phone	5037852528	PhoneNum
Signature	2016-11-14	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	Rebecca Griffith	PreparerPersonNm
PTIN	P01207510	PTIN
Phone	5032421447	PhoneNum
Preparation	2016-11-14	PreparationDt

Field	Value	IRS element (for citing)
Tax	2015	TaxYr
Build TS	2017-02-10 21:41:12Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	PATRICK HAGER	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	9200 SE Sunnybrook Blvd No 300	AddressLine1Txt
City	Clackamas	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97015	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$53,084,644	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.ADVANTISCU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1928	FormationYr
Legal Domicile State	OR	LegalDomicileStateCd
Activity Or Mission	PROVIDING FINANCIAL SERVICES TO MEMBERS	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	239	TotalEmployeeCnt
Total Volunteers	16	TotalVolunteersCnt
Total Gross UBI	$919,786	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$48,747	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$45,470,742	PYProgramServiceRevenueAmt
CY Program Service Revenue	$51,618,045	CYProgramServiceRevenueAmt
PY Investment Income	$2,447,659	PYInvestmentIncomeAmt
CY Investment Income	$1,459,704	CYInvestmentIncomeAmt
PY Other Revenue	$5,231	PYOtherRevenueAmt
CY Other Revenue	$6,895	CYOtherRevenueAmt
PY Total Revenue	$47,923,632	PYTotalRevenueAmt
CY Total Revenue	$53,084,644	CYTotalRevenueAmt
PY Grants And Similar Paid	$154,662	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$98,065	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$12,668,304	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$14,018,330	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$24,950,806	PYOtherExpensesAmt
CY Other Expenses	$27,080,862	CYOtherExpensesAmt
PY Total Expenses	$37,773,772	PYTotalExpensesAmt
CY Total Expenses	$41,197,257	CYTotalExpensesAmt
PY Revenues Less Expenses	$10,149,860	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$11,887,387	CYRevenuesLessExpensesAmt
Total Assets BOY	$1,165,974,434	TotalAssetsBOYAmt
Total Assets EOY	$1,226,519,011	TotalAssetsEOYAmt
Total Liabilities BOY	$1,046,257,694	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$1,095,370,196	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$119,716,740	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$131,148,815	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	To promote thrift among its members by affording them the opportunity for accumulating their savings, to create for them a source of credit at a fair and reasonable rate of interest and to provide the opportunity for the members to use and control their money in order to improve their economic and social condition.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	THE CREDIT UNION PROVIDES FINANCIAL SERVICES TO 62,777 MEMBERS. SERVICES INCLUDE SHARE DEPOSITS AND LOANS TO MEMBERS.	Desc
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	Yes (1)	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	Yes (1)	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	Yes (1)	GrantsToOrganizationsInd
Grants To Individuals	Yes (1)	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	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	25716	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	239	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	0	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	0	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	0	CompensationProcessCEOInd
Compensation Process Other	0	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	LAURIE WILSON	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	5037852528	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	9200 SE Sunnybrook Blvd 300	AddressLine1Txt
City	Clackamas	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97015	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (22 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
PATRICK HAGER
Chair	2.00	Yes (X)	Yes (X)	$0	$0	$0
Amanda Owings
Vice Chair	2.00	Yes (X)	Yes (X)	$0	$0	$0
CAROLYN BENOLKEN
Secretary/Treasurer	2.00	Yes (X)	Yes (X)	$0	$0	$0
RENEE HALPERN
Board Member	2.00	Yes (X)		$0	$0	$0
ROGER HEDIGER
Board Member	2.00	Yes (X)		$0	$0	$0
JAKE JENSEN
Board Member	2.00	Yes (X)		$0	$0	$0
Bob Pearson
Board Member	2.00	Yes (X)		$0	$0	$0
TAMMY TESKE
Board Member	2.00	Yes (X)		$0	$0	$0
Andy Dolberg
Board Member	2.00	Yes (X)		$0	$0	$0
Tarun Gudz
Alternate Board Member	2.00	Yes (X)		$0	$0	$0
Heath Kula
Alternate Board Member	2.00	Yes (X)		$0	$0	$0
Robert Corwin
CEO/President	40.00		Yes (X)	$506,670	$0	$25,275
TIMOTHY CLOUSE
SVP/Chief Innovation Officer	40.00		Yes (X)	$206,079	$0	$19,681
WENDY EDWARDS
SVP/Chief Administrative Officer	40.00		Yes (X)	$235,515	$0	$20,179
S Griffith O'Brien
SVP/Chief Membership Officer	40.00		Yes (X)	$195,724	$0	$20,518
Jeffrey Schwarz
SVP/Chief Lending Officer	40.00		Yes (X)	$197,269	$0	$17,747
LAURIE WILSON
SVP/Chief Financial Officer	40.00		Yes (X)	$236,830	$0	$22,526
PATRICK HUEY
Director of Investment Services	40.00			$179,524	$0	$18,404	Yes (X)
Alaina Baldwin
RE Loan Officer - Commissioned	56.00			$128,923	$0	$9,271	Yes (X)
Casey Filburn
Director of Real Estate Lending	40.00			$115,076	$0	$15,914	Yes (X)
JERI MAHER
RE LOAN OFFICER - COMMISSIONED	61.00			$324,837	$0	$23,702	Yes (X)
JOHN STEVENSON
Controller	40.00			$117,444	$0	$13,643	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,443,891	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$206,860	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	14	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
FISERV
4550 SW Macadam Ave	Portland	OR	94239	Maintenance Services	$537,486
Loomis
PO BOX 94600	Seattle	WA	97124	ATM CASH SERVICES	$311,044
Equifax
PO BOX 403562	Atlanta	GA	30348	Credit Bureau Reports	$288,817
Secondary Marketing Resources
55 Cottage St	Wellesley	MA	02482	Maintenance Services	$227,278
Integra Telecom
PO BOX 2966	Milwaukee	WI	53201	Maintenance Services	$220,714

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	8	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
LOANS	522100	$39,612,052	$39,612,052
SERVICE CHARGES AND FE	522100	$6,650,222	$6,607,322	$42,900
NET GAIN ON SALE OF LO	522100	$2,960,095	$2,960,095
OTHER NON INTEREST INC	522100	$2,395,676	$1,722,123	$673,553

Field	Value	IRS element (for citing)
Total Program Service Revenue	$51,618,045	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,459,704	TotalRevenueColumnAmt
Unrelated Business Revenue	$203,333	UnrelatedBusinessRevenueAmt
Exclusion	$1,256,371	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$6,895	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	$6,895	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$6,895	TotalRevenueColumnAmt
Exclusion	$6,895	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$53,084,644	TotalRevenueColumnAmt
Related Or Exempt Func Income	$50,901,592	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$919,786	UnrelatedBusinessRevenueAmt
Exclusion	$1,263,266	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$72,815	TotalAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$25,250	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,704,014	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$8,728,830	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$896,343	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,678,714	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$1,010,429	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$129,022	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$111,749	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$1,060,683	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$999,996	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,167,680	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$3,114,736	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,099,309	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$100,539	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$208,898	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$8,019,966	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,752,715	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$135,222	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
Provision for Loan Loss	$3,772,897
VISA/ATM Expense	$2,648,503
Lending Expense	$1,238,551
TAXES ON UBI	$8,775

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,511,621	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$41,197,257	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$75,838,793	BOYAmt
EOY	$83,887,143	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$6,225,000	BOYAmt
EOY	$6,225,000	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$934,744,776	BOYAmt
EOY	$1,001,058,543	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$542,391	BOYAmt
EOY	$627,787	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$22,129,516	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$11,889,465	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$9,954,885	BOYAmt
EOY	$10,240,051	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$68,725,515	BOYAmt
EOY	$55,635,823	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$4,444,600	BOYAmt
EOY	$3,848,718	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$65,498,474	BOYAmt
EOY	$64,995,946	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$1,165,974,434	BOYAmt
EOY	$1,226,519,011	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$6,151,361	BOYAmt
EOY	$5,225,575	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$20,000,000	BOYAmt
EOY	$30,000,000	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,020,106,333	BOYAmt
EOY	$1,060,144,621	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,046,257,694	BOYAmt
EOY	$1,095,370,196	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	$119,716,740	BOYAmt
EOY	$131,148,815	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$119,716,740	BOYAmt
EOY	$131,148,815	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$1,165,974,434	BOYAmt
EOY	$1,226,519,011	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$11,887,387	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$347,991	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	-$107,321	OtherChangesInNetAssetsAmt
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)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

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

Schedule C IRS990ScheduleC

Field	Value	IRS element (for citing)
Political Expenditures	$20,000	PoliticalExpendituresAmt
Volunteer Hours	0	VolunteerHoursCnt
Expended527 Activities	$0	Expended527ActivitiesAmt
Internal Funds Contributed	$20,000	InternalFundsContributedAmt
Total Exempt Function Expend	$20,000	TotalExemptFunctionExpendAmt
Form1120 POL Filed	Yes (1)	Form1120POLFiledInd

Section527 Political Org Section527PoliticalOrgGrp

Organization Business Name OrganizationBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CREDIT UNION LEGISLATIVE ACTION FUND	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	8205 SW CREEKSIDE PLACE 220	AddressLine1Txt
City	BEAVERTON	CityNm
State Abbreviation	OR	StateAbbreviationCd
ZIP	97008	ZIPCd

Field	Value	IRS element (for citing)
EIN	800043051	EIN
Paid Internal Funds	$20,000	PaidInternalFundsAmt
Contributions Rcvd Dlvr	$0	ContributionsRcvdDlvrAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Part I-A, Line 1:	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION'S ONLY POLITICAL ACTIVITY IS CONTRIBUTIONS TO THE CREDIT UNION LEGISLATIVE ACTION FUND.	ExplanationTxt

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$447,379	OtherCostOrOtherBasisAmt
Book Value	$447,379	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$8,519,316	OtherCostOrOtherBasisAmt
Depreciation	$2,951,804	DepreciationAmt
Book Value	$5,567,512	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,621,408	OtherCostOrOtherBasisAmt
Depreciation	$2,226,058	DepreciationAmt
Book Value	$2,395,350	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$8,541,413	OtherCostOrOtherBasisAmt
Depreciation	$6,711,603	DepreciationAmt
Book Value	$1,829,810	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$10,240,051	TotalBookValueLandBuildingsAmt

Other Assets Org OtherAssetsOrgGrp (6 entries)

DescDesc	Book ValueBookValueAmt
LOANS HELD FOR SALE	$14,123,627
Other Assets	$4,879,852
NATIONAL CREDIT UNION SHARE Insurance Fund	$9,429,285
Accrued Interest Receivable	$3,402,829
SERVICING RIGHTS	$7,301,772
LIFE INSURANCE POLICIES	$25,858,581

Field	Value	IRS element (for citing)
Total Book Value Other Assets	$64,995,946	TotalBookValueOtherAssetsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	Members' Share and Savings Accounts	Desc
Amt	$1,060,144,621	Amt

Field	Value	IRS element (for citing)
Total Liability	$1,060,144,621	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$53,033,987	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$53,033,987	RevenueSubtotalAmt
Other Revenues Not Included	$50,657	OtherRevenuesNotIncludedAmt
Revenue Not Reported Fincl Stmt	$50,657	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$53,084,644	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$41,253,921	TotExpnsEtcAuditedFinclStmtAmt
Other Expenses Included	$56,664	OtherExpensesIncludedAmt
Expenses Not Reported	$56,664	ExpensesNotReportedAmt
Expenses Subtotal	$41,197,257	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$41,197,257	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (3 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Part X, Line 2:	FIN 48 (ASC 740) Uncertain Tax Positions Footnote from Financial Statements - The Credit Union has filed tax returns in the past for activities it has deemed taxable that has resulted in no significant income taxes paid. The taxing authorities have the ability to assess taxes, penalties and interest for any years for which no tax return was filed. In the opinion of management, any liability resulting from taxing authorities imposing income taxes on the net taxable income from activities potentially deemed to be unrelated to the Credit Union's exempt purpose is not expected to have a material effect on the Credit Union's financial position or results of operations. The Credit Union evaluated its tax positions and determined no uncertain tax positions exist as of December 31, 2015. The Credit Union's 2011 through 2014 tax years are open for examination by federal and state taxing authorities.
Part XI, Line 4b - Other Adjustments:	PASSTHROUGH BOOK/TAX DIFFERENCE 107,321. INVESTMENT LOSSES INCLUDED AS EXPENSE ON FS -56,664.
Part XII, Line 2d - Other Adjustments:	INVESTMENT LOSSES INCLUDED AS EXPENSE ON FS 56,664.

Schedule I IRS990ScheduleI

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

Recipient Table RecipientTable (8 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	Recipient EINRecipientEIN	IRC SectionIRCSectionDesc	Cash GrantCashGrantAmt	Purpose Of GrantPurposeOfGrantTxt
Sunshine Division
687 N THOMPSON ST	portland	OR	97227	930429354	501(C)(3)	$12,550	Capital Campaign - Winter Wonderland Purchase
Store to Door
7730 SW 31st Ave	Portland	OR	97219	943105555	501(C)(3)	$9,200	Office Equipment
Feral Cat Coalition of Oregon
PO BOX 82734	Portland	OR	97282	931168181	501(C)(3)	$10,000	PHONE SYSTEM
Children's Book Bank
1728 NE Glisan St	Portland	OR	97232	261600475	501(C)(3)	$10,048	Purchase of books for book bank
SnowCap Community Charities
PO BOX 160	Fairview	OR	97024	237121915	501(C)(3)	$9,000	Freezers
Cafe Au Play
5633 SE Division St	Portland	OR	97206	201277557	501(C)(3)	$10,000	Playground Construction
Trillium Family Services
3415 SE Powell Blvd	Portland	OR	97202	930386966	501(C)(3)	$6,892	Children's games and sports equipment
Northwest Credit Union Association
18000 International Blvd Ste 350	Seatac	WA	98188	910460483	501(c)(6)	$5,125	DONATION FOR CU ADVOCACY PROGRAM

Field	Value	IRS element (for citing)
Total501c3 Org	7	Total501c3OrgCnt
Total Other Org	0	TotalOtherOrgCnt

Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp

Field	Value	IRS element (for citing)
Grant Type	COLLEGE SCHOLARSHIPS	GrantTypeTxt
Recipient	15	RecipientCnt
Cash Grant	$25,250	CashGrantAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Part I, Line 2:	FormAndLineReferenceDesc
Explanation	THE BOARD OF DIRECTORS REVIEWS AND APPROVES LARGE DONATIONS MADE TO ORGANIZATIONS. THE BOARD OF DIRECTORS APPROVES AN ANNUAL BUDGET FOR COLLEGE SCHOLARSHIPS, AND THERE IS A SCHOLARSHIP COMMITTEE THAT INTERVIEWS CANDIDATES AND DECIDES HOW THE MONEY WILL BE USED. CANDIDATES SUBMIT AN APPLICATION, WRITE AN ESSAY AND MUST MEET MINIMUM GPA REQUIREMENTS.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
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 (8 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
Robert Corwin
CEO/President	$445,124	$0	$48,752	$0	$12,794	$0	$18,550	$0	$6,725	$0	$531,945	$0	$0	$0
TIMOTHY CLOUSE
SVP/Chief Innovation Officer	$186,222	$0	$19,857	$0	$0	$0	$12,105	$0	$7,576	$0	$225,760	$0	$0	$0
WENDY EDWARDS
SVP/Chief Administrative Officer	$203,822	$0	$31,693	$0	$0	$0	$13,753	$0	$6,426	$0	$255,694	$0	$0	$0
S Griffith O'Brien
SVP/Chief Membership Officer	$176,990	$0	$18,734	$0	$0	$0	$12,125	$0	$8,393	$0	$216,242	$0	$0	$0
Jeffrey Schwarz
SVP/Chief Lending Officer	$176,137	$0	$21,132	$0	$0	$0	$12,330	$0	$5,417	$0	$215,016	$0	$0	$0
LAURIE WILSON
SVP/Chief Financial Officer	$203,208	$0	$33,622	$0	$0	$0	$13,563	$0	$8,963	$0	$259,356	$0	$0	$0
PATRICK HUEY
Director of Investment Services	$74,767	$0	$0	$0	$104,757	$0	$12,241	$0	$6,163	$0	$197,928	$0	$0	$0
JERI MAHER
RE LOAN OFFICER - COMMISSIONED	$86,275	$0	$0	$0	$238,562	$0	$18,550	$0	$5,152	$0	$348,539	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Part I, Line 1a	TRAVEL FOR COMPANIONS - OCCASIONAL AIRFARE FOR SPOUSES ON CREDIT UNION OFFICIAL BUSINESS. THESE ITEMS WERE INCLUDED IN TAXABLE INCOME.
Part I, Line 4b	THE PRESIDENT/CEO PARTICIPATED IN A 457(F) RETIREMENT PLAN. NO DISTRIBUTIONS WERE MADE FROM THE PLAN IN 2015. CONTRIBUTIONS IN THE AMOUNT OF $380,448 WERE MADE TO THE PLAN DURING 2015.

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (5 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Form 990, Part VI, Section A, line 6	THE CREDIT UNION HAS MEMBERS.
Form 990, Part VI, Section A, line 7a	EACH MEMBER HAS ONE VOTE IN ANNUAL ELECTIONS OF MEMBERS OF THE GOVERNING BODY.
Form 990, Part VI, Section B, line 11	FORM 990 IS THOROUGHLY REVIEWED BY THE CFO AND CONTROLLER PRIOR TO FILING.
Form 990, Part VI, Section C, line 19	GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
Form 990, Part XI, line 9:	PASSTHROUGH BOOK/TAX DIFFERENCE -107,321.