OREGON COMMUNITY CREDIT UNION: Form 990, tax year 2015

View the entire original 990 at ProPublica ↗

Organization: OREGON COMMUNITY CREDIT UNION (EIN 93-0492535)
Tax period: 2015-01-01 to 2015-12-31
Filed: 2016-08-15
IRS object ID: 201642289349303719
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 D
Schedule J
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2016-08-15T12:38:43-05:00	ReturnTs
Tax Period End	2015-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

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

Preparer Firm Name PreparerFirmName

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

Preparer US Address PreparerUSAddress

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

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

Filer Filer

Field	Value	IRS element (for citing)
EIN	930492535	EIN

Business Name BusinessName

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

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

US Address USAddress

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

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	D AMANDA JONES	PersonNm
Person Title	CEO	PersonTitleTxt
Phone	5416842347	PhoneNum
Signature	2016-08-15	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	KIM HUNWARDSEN CPA	PreparerPersonNm
PTIN	P00484560	PTIN
Phone	2083447150	PhoneNum
Preparation	2016-08-10	PreparationDt

Field	Value	IRS element (for citing)
Tax	2015	TaxYr
Build TS	2016-12-15 16:53:06Z	BuildTS

Form 990 IRS990

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

US Address USAddress

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

Field	Value	IRS element (for citing)
Gross Receipts	$67,738,323	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.OREGONCOMMUNITYCU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1956	FormationYr
Legal Domicile State	OR	LegalDomicileStateCd
Activity Or Mission	TO ASSIST OUR MEMBERS IN MAKING BENEFICIAL LONG-TERM FINANCIAL DECISIONS.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	380	TotalEmployeeCnt
Total Volunteers	14	TotalVolunteersCnt
Total Gross UBI	$782,956	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$452,510	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$58,733,450	PYProgramServiceRevenueAmt
CY Program Service Revenue	$65,698,265	CYProgramServiceRevenueAmt
PY Investment Income	$1,312,802	PYInvestmentIncomeAmt
CY Investment Income	$1,990,724	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$1,995	CYOtherRevenueAmt
PY Total Revenue	$60,046,252	PYTotalRevenueAmt
CY Total Revenue	$67,690,984	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$236	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$21,086,850	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$22,902,457	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$31,356,205	PYOtherExpensesAmt
CY Other Expenses	$34,363,343	CYOtherExpensesAmt
PY Total Expenses	$52,443,291	PYTotalExpensesAmt
CY Total Expenses	$57,265,800	CYTotalExpensesAmt
PY Revenues Less Expenses	$7,602,961	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$10,425,184	CYRevenuesLessExpensesAmt
Total Assets BOY	$1,274,279,479	TotalAssetsBOYAmt
Total Assets EOY	$1,430,858,847	TotalAssetsEOYAmt
Total Liabilities BOY	$1,167,066,863	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$1,313,200,586	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$107,212,616	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$117,658,261	NetAssetsOrFundBalancesEOYAmt
Mission	THE PURPOSE OF OREGON COMMUNITY CREDIT UNION IS TO ASSIST OUR MEMBERS IN MAKING BENEFICIAL LONG-TERM FINANCIAL DECISIONS BY PROVIDING THEM WITH COMPETITIVE DEPOSIT AND LOAN PRODUCTS.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	PROMOTING THE FINANCIAL WELLBEING AND THRIFT OF 132,217 MEMBERS DURING 2015 BY PROVIDING LOAN AND SAVING SERVICES AT COMPETITIVE RATES.	Desc
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	0	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	Yes (1)	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	38945	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	380	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	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	0	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	0	LocalChaptersInd
Form990 Provided To Gvrn Body	0	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	DAVE SCHIFFER DIRECTOR OF FINANCE	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	5416816062	PhoneNum

US Address USAddress

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

Form990 Part VII Section A Form990PartVIISectionAGrp (17 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Highest Compensated EmployeeHighestCompensatedEmployeeInd
BEVERLY ANDERSON
BOARD CHAIR	8.00	Yes (X)	Yes (X)	$0	$0	$0
GENEVIEVE PARKER
BOARD VICE CHAIR	8.00	Yes (X)	Yes (X)	$0	$0	$0
JEANINE WALLACE
SECRETARY	8.00	Yes (X)	Yes (X)	$0	$0	$0
TOM LARSON
DIRECTOR	8.00	Yes (X)		$0	$0	$0
KC HUFFMAN
DIRECTOR	8.00	Yes (X)		$0	$0	$0
DOUG WILKINSON
DIRECTOR	8.00	Yes (X)		$0	$0	$0
JEREMY GREEN
DIRECTOR	8.00	Yes (X)		$0	$0	$0
ABE KOSSOL
DIRECTOR	8.00	Yes (X)		$0	$0	$0
D AMANDA JONES
CEO & TREASURER	40.00		Yes (X)	$784,546	$0	$46,868
RONALD NEUMANN
CFO	40.00		Yes (X)	$234,806	$0	$10,977
DARRELL STARK
CHIEF RETAIL OFFICER	40.00		Yes (X)	$189,001	$0	$8,790
DEBORAH MERSINO
CHIEF MARKETING OFFICER	40.00		Yes (X)	$170,614	$0	$19,906
RICHARD DWYER
DIRECTOR OF INVESTMENT SERVICES	40.00			$382,548	$0	$24,324	Yes (X)
JERRY LIUDAHL
CHIEF CREDIT OFFICER	40.00			$208,678	$0	$9,323	Yes (X)
CATHY STOPPEL
SENIOR INVESTMENT ADVISOR	40.00			$208,791	$0	$8,407	Yes (X)
SCOTT ROOTS
SENIOR INVESTMENT ADVISOR	40.00			$421,305	$0	$13,251	Yes (X)
BENJAMIN W WENZEL
SENIOR INVESTMENT ADVISOR	40.00			$196,822	$0	$6,709	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,797,111	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$148,555	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	9	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd
Cntrct Rcvd Greater Than100 K	0	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS/VISA	522100	$44,715,584	$44,715,584
FEES AND CHARGES	522100	$9,357,495	$9,357,495
VISA/ATM INTERCHANGE INCOME	525990	$6,585,230	$6,524,552	$60,678
CREDIT CARD INTERCHANGE INCOME	525990	$823,421	$823,421
CREDIT CARD SERVICES	522210	-$691,350	-$1,413,628	$722,278

Total Oth Program Service Rev TotalOthProgramServiceRevGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$4,907,885	TotalRevenueColumnAmt
Related Or Exempt Func Income	$4,907,885	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$65,698,265	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$895,817	TotalRevenueColumnAmt
Exclusion	$895,817	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$1,995	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	$1,995	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,995	TotalRevenueColumnAmt
Related Or Exempt Func Income	$1,995	RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$1,142,246	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$47,339	SecuritiesAmt
Other	$0	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	-$47,339	SecuritiesAmt
Other	$1,142,246	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,094,907	TotalRevenueColumnAmt
Exclusion	$1,094,907	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$67,690,984	TotalRevenueColumnAmt
Related Or Exempt Func Income	$64,917,304	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$782,956	UnrelatedBusinessRevenueAmt
Exclusion	$1,990,724	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,472,053	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$16,308,256	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$1,189,785	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$2,339,983	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$1,592,380	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$95,020	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$220,699	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$2,836,882	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$3,416,800	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,347,174	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$2,788,556	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,201,200	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$132,407	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$208,558	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$2,451,514	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$218,341	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
DIVIDEND EXPENSE	$6,451,332
LOAN SERVICING EXPENSE	$5,712,630
PROVISION FOR LOAN LOSS	$5,226,163
BAD DEBT & OPERATING/FR	$1,017,267

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,038,800	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$57,265,800	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$16,081,307	BOYAmt
EOY	$17,275,951	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$34,782,653	BOYAmt
EOY	$145,214,579	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$1,531,071	BOYAmt
EOY	$1,724,913	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$1,133,526,502	BOYAmt
EOY	$1,185,220,370	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$6,952,997	BOYAmt
EOY	$8,386,772	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$32,570,691	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$17,225,309	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$15,536,613	BOYAmt
EOY	$15,345,382	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$21,393,783	BOYAmt
EOY	$10,352,903	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$44,474,553	BOYAmt
EOY	$47,337,977	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$1,274,279,479	BOYAmt
EOY	$1,430,858,847	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$16,518,524	BOYAmt
EOY	$21,567,693	EOYAmt

Deferred Revenue DeferredRevenueGrp

Field	Value	IRS element (for citing)
BOY	$337,556	BOYAmt
EOY	$233,804	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,150,210,783	BOYAmt
EOY	$1,291,399,089	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,167,066,863	BOYAmt
EOY	$1,313,200,586	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	$107,212,616	BOYAmt
EOY	$117,658,261	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$107,212,616	BOYAmt
EOY	$117,658,261	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$1,274,279,479	BOYAmt
EOY	$1,430,858,847	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$10,425,184	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$20,461	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	0	FSAuditedInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

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

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$12,221,531	OtherCostOrOtherBasisAmt
Depreciation	$3,457,572	DepreciationAmt
Book Value	$8,763,959	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,779,748	OtherCostOrOtherBasisAmt
Depreciation	$1,433,082	DepreciationAmt
Book Value	$346,666	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$14,933,798	OtherCostOrOtherBasisAmt
Depreciation	$12,169,975	DepreciationAmt
Book Value	$2,763,823	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$293,039	OtherCostOrOtherBasisAmt
Depreciation	$164,680	DepreciationAmt
Book Value	$128,359	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$15,345,382	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDesc	AmtAmt
POSTRETIREMENT BENEFITS	$1,112,509
MEMBER SHARES & SAVINGS	$1,290,286,580

Field	Value	IRS element (for citing)
Total Liability	$1,291,399,089	TotalLiabilityAmt

Schedule J IRS990ScheduleJ

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

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (9 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
D AMANDA JONES
CEO & TREASURER	$430,746	$0	$334,600	$0	$19,200	$0	$38,000	$0	$13,878	$0	$836,424	$0	$0	$0
RONALD NEUMANN
CFO	$217,117	$0	$12,716	$0	$4,973	$0	$0	$0	$11,584	$0	$246,390	$0	$0	$0
DARRELL STARK
CHIEF RETAIL OFFICER	$172,396	$0	$10,042	$0	$6,563	$0	$0	$0	$9,260	$0	$198,261	$0	$0	$0
DEBORAH MERSINO
CHIEF MARKETING OFFICER	$150,526	$0	$7,871	$0	$12,217	$0	$0	$0	$20,365	$0	$190,979	$0	$0	$0
RICHARD DWYER
DIRECTOR OF INVESTMENT SERVICES	$47,768	$0	$314,089	$0	$20,691	$0	$18,000	$0	$6,984	$0	$407,532	$0	$0	$0
JERRY LIUDAHL
CHIEF CREDIT OFFICER	$190,985	$0	$11,124	$0	$6,569	$0	$0	$0	$9,856	$0	$218,534	$0	$0	$0
CATHY STOPPEL
SENIOR INVESTMENT ADVISOR	$32,977	$0	$174,970	$0	$844	$0	$0	$0	$8,896	$0	$217,687	$0	$0	$0
SCOTT ROOTS
SENIOR INVESTMENT ADVISOR	$46,814	$0	$372,245	$0	$2,246	$0	$0	$0	$13,911	$0	$435,216	$0	$0	$0
BENJAMIN W WENZEL
SENIOR INVESTMENT ADVISOR	$34,675	$0	$162,126	$0	$21	$0	$0	$0	$7,160	$0	$203,982	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

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

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	ANY INDIVIDUAL WITH AN ACCOUNT AT THE CREDIT UNION IS CONSIDERED A MEMBER.
FORM 990, PART VI, SECTION A, LINE 7A	EACH PRIMARY MEMBER OF THE CREDIT UNION IS GIVEN ONE VOTE AND IS ABLE TO ELECT MEMBERS OF THE GOVERNING BODY.
FORM 990, PART VI, SECTION A, LINE 7B	MAJOR DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL BY MEMBERS, HOWEVER, DAY TO DAY DECISIONS ARE NOT SUBJECT TO MEMBER APPROVAL.
FORM 990, PART VI, SECTION A, LINE 8B	THE ORGANIZATION DOES NOT HAVE ANY COMMITTEES WITH THE AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY.
FORM 990, PART VI, SECTION B, LINE 11	A COPY OF FORM 990 IS PROVIDED TO THE ORGANIZATION FOR REVIEW PRIOR TO FILING; THE CEO AND CFO OF THE ORGANIZATION REVIEW THE FORM 990.
FORM 990, PART VI, SECTION B, LINE 12C	THE ORGANIZATION HAS A CONFLICT OF INTEREST POLICY IN PLACE FOR BOTH THE COMPANY AND THE BOARD. EXPECTATIONS ARE CLEAR AT THE SENIOR MANAGEMENT LEVEL AND ARE COMMUNICATED DOWNWARD. THE ORGANIZATION HAS TRACKING PROCEDURES IN PLACE FOR POSSIBLE AND CONFIRMED CONFLICTS OF INTEREST. IF A CONFLICT OF INTEREST IS DETERMINED TO EXIST INVOLVING A BOARD MEMBER, THAT MEMBER WOULD BE REQUIRED TO ABSTAIN FROM VOTING ON THE ISSUE.
FORM 990, PART VI, SECTION B, LINE 15	TOTAL COMPENSATION, INCLUDING BASE PAY, INCENTIVES AND OTHER BENEFITS, IS COMPARED AGAINST CUES EXECUTIVE COMPENSATION PROGRAM, MILLIMAN NW FINANCIAL INDUSTRY SURVEY RESULTS AND OTHER EXECUTIVE PUBLICATIONS/REPORTS. CEO COMPENSATION IS REVIEWED BY THE BOARD PERSONNEL COMMITTEE AND APPROVED BY THE FULL BOARD. COMPENSATION AMOUNTS ARE TRACKED FOR FUTURE REFERENCE. THE LAST FORMAL COMPENSATION COMPARISON REVIEW BY THE ORGANIZATION WAS PERFORMED IN 2015.
FORM 990, PART VI, SECTION C, LINE 19	THE ORGANIZATION'S FINANCIAL STATEMENTS ARE POSTED ONLINE AND IN CREDIT UNION BRANCHES AND ARE AVAILABLE UPON REQUEST. GOVERNING DOCUMENTS ARE AVAILABLE TO MEMBERS UPON REQUEST.
FORM 990, PART XII, LINE 2:	THE CREDIT UNION IS GOVERNED BY THE NATIONAL CREDIT UNION ADMINISTRATION (NCUA). AS SUCH, REGULATORS REVIEW THE FINANCIAL TRANSACTIONS OF THE CREDIT UNION ON A CONSISTENT BASIS. IN ADDITION, THE CREDIT UNION MAINTAINS A SUPERVISORY COMMITTEE TO OVERSEE THE PERFORMANCE OF AN ANNUAL AUDIT OF THE STATEMENTS OF FINANCIAL CONDITION. THESE AUDITED STATEMENTS OF FINANCIAL CONDITION ARE PREPARED ON A SEPTEMBER 30TH YEAR END.

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp

Disregarded Entity Name DisregardedEntityName

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

US Address USAddress

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

Field	Value	IRS element (for citing)
EIN	930492535	EIN
Primary Activities	CREDIT CARD SERVICES	PrimaryActivitiesTxt
Legal Domicile State	OR	LegalDomicileStateCd
Total Income	-$691,350	TotalIncomeAmt
End Of Year Assets	$16,443,142	EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

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