2025-11-12T14:49:42-06:00 2024-12-31 994260840 DOEREN MAYHEW 8785 SW 165TH AVENUE SUITE 303 MIAMI FL 33193 990 2024-01-01 540674170 UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION UNIV 4349642001 3300 BERKMAR DRIVE CHARLOTTESVILLE VA 22901 PETER HOLMAN SVP/CFO 4349642003 2025-11-11 1 0 AUBREY CLEGG P01076395 3052328272 2025-11-11 2024 2025-03-06 01:10:19Z SUSAN GRUBER 3300 BERKMAR DRIVE CHARLOTTESVILLE VA 22901 91800002 0 X WWW.UVACREDITUNION.ORG X 1954 VA THE MISSION OF THE UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION IS TO 1) ENCOURAGE THRIFT AMONG MEMBERSHIP, THUS CREATING A LENDABLE POOL OF FUNDS 2) MAKE MEMBER LOANS AT A REASONABLE RATE OF INTEREST 3) PAY A FAIR RATE OF RETURN ON MEMBER SAVINGS 4) PROVIDE HELPFUL MEMBER FINANCIAL SERVICE. 16 16 340 16 111402 69565 0 0 44375771 55382181 15370400 23434058 8297152 8953140 68043323 87769379 37500 148505 0 0 27768931 27900554 0 0 0 31969901 44698858 59776332 72747917 8266991 15021462 1446557883 1504857896 1337345020 1378198723 109212863 126659173 X THE MISSION OF THE UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. IS TO 1) ENCOURAGE THRIFT AMONG MEMBERSHIP, THUS CREATING A LENDABLE POOL OF FUNDS 2) MAKE MEMBER LOANS AT A REASONABLE RATE OF INTEREST 3) PAY A FAIR RATE OF RETURN ON MEMBER SAVINGS 4) PROVIDE HELPFUL MEMBER FINANCIAL SERVICE. 0 0 DURING 2024, UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC., A STATE-CHARTERED CREDIT UNION LOCATED IN CENTRAL VIRGINIA, PROVIDED FINANCIAL SERVICES TO MEMBERS WHO LIVE, WORK, OR ATTEND SCHOOL IN THE COUNTIES OF ALBEMARLE, AMHERST, AUGUSTA, BATH, BEDFORD, BUCKINGHAM, CAMPBELL, CULPEPER, CUMBERLAND, FAUQUIER, FLUVANNA, GREENE, HIGHLAND, LOUISA, MADISON, NELSON, ORANGE, RAPPHANNOCK, ROCKBRIDGE, ROCKINGHAM, AS WELL AS THE CITIES OF CHARLOTTESVILLE, HARRISONBURG, LYNCHBURG, STAUNTON, & WAYNESBORO. THE CREDIT UNION CONTINUED TO FULFILL ITS EXEMPT PURPOSE BY PROVIDING CREDIT AT FAIR AND REASONABLE RATES OF INTEREST, OFFERING COMPETITIVE SHARE DEPOSIT PRODUCTS, AND PROVIDING MEMBERS WITH THE OPPORTUNITY TO IMPROVE THEIR ECONOMIC CONDITION. AS OF THE END OF 2024, THE CREDIT UNION SERVED 81,518 MEMBERS. PROVIDE 41,529 LOANS INCLUDING HOME EQUITY, SHARE SECURED, FIRST MORTGAGE, CREDIT CARD, UNSECURED, NEW AND USED VEHICLE, RECREATIONAL VEHICLES, AND LINE OF CREDIT WITH AGGREGATE LOAN BALANCES THAT APPROXIMATED $879,487,118 AS OF DECEMBER 31, 2024. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 1 1 0 0 1 15598 0 1 340 1 1 1 0 0 0 0 0 0 0 X 16 16 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 1 0 VA X PETER HOLMAN 4349642015 3300 BERKMAR DRIVE CHARLOTTESVILLE VA 22901 PAMELA W HIGGINS CHAIRPERSON 1.00 X 0 0 0 KENNETH EADES V. CHAIRPERSON 1.00 X 0 0 0 LISA P HEUCHERT BOD TREASURER 1.00 X 0 0 0 MARIE C MELTON BOD SECRETARY 1.00 X 0 0 0 J BARRETT JONES BOD MEMBER 1.00 X 0 0 0 BENJAMIN MCCARTNEY BOD MEMBER 1.00 X 0 0 0 CYNTHIA MURRAY BOD MEMBER 1.00 X 0 0 0 DAVID JONES BOD MEMBER 1.00 X 0 0 0 LYNNE RICHMAN BELL BOD MEMBER 1.00 X 0 0 0 ROB W FREER BOD MEMBER 1.00 X 0 0 0 ROBERT NEIL BOD MEMBER 1.00 X 0 0 0 SUSAN GRUBER CEO/PRESIDENT 40.00 X 820522 0 275101 PETER HOLMAN CFO 40.00 X 730725 0 101043 BELINDA TUCKER CHIEF OPERATING OFFICER 40.00 X 316660 0 28977 JOSEPH MICHAEL RAICHEL CHIEF LENDING OFFICER 40.00 X 309942 0 174300 ANNE LESKO CHIEF HUMAN RESCOURE OFFICER 40.00 X 235876 0 45246 GEORGE FISHER CHIEF INFORMATION OFFICER 40.00 X 233171 0 56253 WILLIAM BRADFORD DIRECTOR OF MORTGAGE 40.00 X 227569 0 24565 GEORGE BALLEW SVP MEMBER OPTIONS 40.00 X 208353 0 44591 BRENDAN MCCORMICK SVP INTERNAL AUDIT 40.00 X 196402 0 44504 TIM ALTHER SVP RETAIL 40.00 X 188615 0 34877 BONNIE WILKINS SVP COMMERCIAL CREDIT 40.00 X 182163 0 40822 JANINE WILLIAMS VP CREDIT UNION AFFAIRS 40.00 X 171825 0 39393 CAROLYN BURNETT VP BUSINESS BANKING 40.00 X 179210 0 43841 SUZANNE HESS VP ACCOUNTING & BUDGETING 40.00 X 183289 0 23927 KAREN SCHEMMEL BUSINESS ANALYSIS MGR 40.00 X 179135 0 2296 KEVIN BIVENS VP INFORMATION SECURITY 40.00 X 164049 0 36696 JON ADAM VP ERM & COMPLIANCE 40.00 X 163363 0 51414 JUSTIN PLATT VP OPERATIONS 40.00 X 172061 0 28554 4862930 0 1096400 62 0 1 0 FIS 11601 N ROOSEVELT BLVD ST PETERSBURG FL 33716 DEBIT/CREDIT CARD PROCESSING 2172451 Q2EBANKING PO BOX 205970 DALLAS TX 75320 ONLINE/MOBILE BANKING 1626289 GLAVEHOLMES 2101 EAST MAIN STREET RICHMOND VA 23223 ARCHITECTURE, DESIGN & PLANNING FOR HQ B 1167045 FISERV PO BOX 934057 ATLANTA GA 31193 OPERATING SYSTEM SOFTWARE 755058 CAPCO 350 FIFTH AVENUE 68TH FLOOR NEW YORK NY 10118 CONSULTING 675628 43 INTEREST ON LOANS 522100 48684498 48684498 FEES/CHARGES/OTHER 522100 6644107 6644107 FINANCE & INSURANCE 520000 53576 53576 55382181 16629154 16629154 279816 335527 -55711 -55711 -113537 57826 10500000 3695096 6804904 6804904 6804904 OTHER INCOME 522100 8987058 8987058 COMMISION FROM SALES OF SECURITIE 522100 21793 21793 9008851 87769379 87657977 111402 0 X 86005 62500 4954546 16807192 1805254 2859713 1473849 89270 170996 44650 1831636 1648577 6589362 4146189 1034005 502761 22694 19409668 1804434 PROVISION FOR LOAN LOSS 4372764 LOAN SERVICING 2851605 DUES 180247 72747917 8768152 7589780 184843049 188284236 1314838 1091451 20749839 21500986 811059934 875018930 10074284 2490150 46417017 19408243 27295508 27008774 352607254 349858292 2437800 29845025 29577497 1446557883 1504857896 16783410 17082265 30000000 30000000 1290561610 1331116458 1337345020 1378198723 X 0 0 0 0 109212863 126659173 109212863 126659173 1446557883 1504857896 X 15021462 2299234 125614 X X 0 1 X 1 0 7290846 7290846 15305991 5207894 10098097 825656 779508 46148 17714531 13104432 4610099 5279993 316409 4963584 27008774 CERTIFICATES OF DEPOSIT 306216632 IRA SHARES 27383892 MONEY MARKET 334455457 SHARE DRAFTS 350173129 SHARES 312887348 1331116458 X 88104906 0 88104906 -335527 -335527 87769379 73083444 335527 335527 72747917 0 72747917 PART X, LINE 2: THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL AND STATE INCOME TAXES. THE INCOME TAXES TOPIC OF THE FINANCIAL ACCOUNTING STANDARDS BOARD (FASB) ACCOUNTING STANDARDS CODIFICATION (ASC) CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE 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 FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2023, 2022, AND 2021 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS. PART XI, LINE 4B - OTHER ADJUSTMENTS: RENTAL EXPENSES REPORTED ON FORM 990 AS A REDUCTION OF REVENUE BUT INCLUDED IN EXPENSES WITHIN THE AUDITED FINANCIAL STATEMENTS. -335,527. PART XII, LINE 2D - OTHER ADJUSTMENTS: RENTAL EXPENSES REPORTED ON FORM 990 AS A REDUCTION OF REVENUE BUT INCLUDED IN EXPENSES WITHIN THE AUDITED FINANCIAL STATEMENTS. 335,527. 1 PIEDMONT VIRGINIA COMMUNITY COLLEGE EDUCATIONAL FOUNDATION 501 COLLEGE DRIVE CHARLOTTESVLE VA 22902 521241773 501(C)(3) 25000 0 CHARITABLE CONTRIBUTION VIRGINIA CREDIT UNION LEAGUE PO BOX 11469 LYNCHBURG VA 24506 540554860 501(C)(6) 12500 0 CHARITABLE CONTRIBUTION LOUISA CHAMBER OF COMMERCE 111 W MAIN ST LOUISA VA 23093 541710906 501(C)(6) 5750 0 CHARITABLE CONTRIBUTION BLUE RIDGE AREA FOOD BANK 96 LAUREL HILL RD VERONA VA 24482 521202644 501(C)(3) 10000 0 CHARITABLE CONTRIBUTION ST JUDE CHILDREN'S RESEARCH HOSPITAL 262 DANNY THOMAS PL MEMPHIS TN 38105 620646012 501(C)(3) 10000 0 CHARITABLE CONTRIBUTION 3 2 SCHOLARSHIPS 25 62500 FORM 990, SCH I, PART I, LINE 2 THE CREDIT UNION AWARDED A $2,500 SCHOLARSHIP TO 25 COLLEGE-BOUND SENIORS AT EACH OF THE PARTICIPATING HIGH SCHOOL IN THE CREDIT UNION'S MEMBERSHIP AREA. X X 1 1 X X 0 1 0 SUSAN GRUBER CEO/PRESIDENT 626732 0 192500 0 1290 0 272562 0 2539 0 1095623 0 0 0 PETER HOLMAN CFO 274380 0 25547 0 430798 0 66949 0 34094 0 831768 0 0 0 JOSEPH MICHAEL RAICHEL CHIEF LENDING OFFICER 282553 0 26099 0 1290 0 149723 0 24577 0 484242 0 0 0 BELINDA TUCKER CHIEF OPERATING OFFICER 290070 0 25300 0 1290 0 28977 0 0 0 345637 0 0 0 GEORGE FISHER CHIEF INFORMATION OFFICER 212630 0 19851 0 690 0 22484 0 33769 0 289424 0 0 0 ANNE LESKO CHIEF HUMAN RESCOURE OFFICER 217044 0 18532 0 300 0 22663 0 22583 0 281122 0 0 0 GEORGE BALLEW SVP MEMBER OPTIONS 193028 0 11515 0 3810 0 20477 0 24114 0 252944 0 0 0 WILLIAM BRADFORD DIRECTOR OF MORTGAGE 186932 0 40500 0 137 0 0 0 24565 0 252134 0 0 0 BRENDAN MCCORMICK SVP INTERNAL AUDIT 181994 0 12428 0 1980 0 19591 0 24913 0 240906 0 0 0 TIM ALTHER SVP RETAIL 187925 0 0 0 690 0 1538 0 33339 0 223492 0 0 0 CAROLYN BURNETT VP BUSINESS BANKING 168512 0 10428 0 270 0 17877 0 25964 0 223051 0 0 0 BONNIE WILKINS SVP COMMERCIAL CREDIT 168439 0 11744 0 1980 0 18439 0 22383 0 222985 0 0 0 JON ADAM VP ERM & COMPLIANCE 151569 0 10504 0 1290 0 16508 0 34906 0 214777 0 0 0 JANINE WILLIAMS VP CREDIT UNION AFFAIRS 159381 0 11154 0 1290 0 17596 0 21797 0 211218 0 0 0 SUZANNE HESS VP ACCOUNTING & BUDGETING 171436 0 11163 0 690 0 17599 0 6328 0 207216 0 0 0 KEVIN BIVENS VP INFORMATION SECURITY 153253 0 10106 0 690 0 16493 0 20203 0 200745 0 0 0 JUSTIN PLATT VP OPERATIONS 161884 0 9937 0 240 0 16477 0 12077 0 200615 0 0 0 KAREN SCHEMMEL BUSINESS ANALYSIS MGR 167698 0 10747 0 690 0 1770 0 526 0 181431 0 0 0 PART I, LINE 4B THE CREDIT UNION PROVIDES NON-QUALIFIED DEFERRED COMPENSATION PLANS FOR CERTAIN MEMBERS OF MANAGEMENT. FOR PURPOSES OF THIS SECTION THE TWO PLANS REPORTED ARE 457(F) PLANS AND SPLIT DOLLAR INSURANCE AGREEMENTS. SPLIT DOLLAR INSURANCE AGREEMENTS INVOLVE METHODS OF PAYING FOR INSURANCE COVERAGE FOR THE EMPLOYEES BY SPLITTING THE ELEMENTS OF A LIFE INSURANCE POLICY. UNDER THE AGREEMENTS, THE EMPLOYEES ARE THE OWNERS OF THE POLICIES AND MAKE COLLATERAL ASSIGNMENTS TO THE CREDIT UNION IN RETURN FOR LOANS EQUAL TO THE AMOUNT OF PREMIUMS PAID ON BEHALF OF THE EMPLOYEES. AT THE TIME OF DEATH, THE LOAN AMOUNT WILL BE REPAID TO THE CREDIT UNION AND THE BALANCE OF THE INSURANCE BENEFIT WILL BE PAID TO THE EMPLOYEES' DESIGNATED BENEFICIARIES. THE FOLLOWING EXECUTIVES PARTIIPATE IN A 457F PLAN: PETER HOLMAN SUSAN GRUBER JOSEPH RAICHEL DURING 2024 PETER HOLMAN RECEIVED A 457F PAYOUT IN THE AMOUNT OF $430,498. ADDITIONALLY DURING 2024 THE CREDIT UNION ACCRUED $238,063, $119,777, $38,266 FOR SUSAN GRUBER, JOSEPH RAICHEL, AND PETER HOLMAN, RESPECTIVELY. THE FOLLOWING EXECUTIVES PARTICIPATE IN THE SPLIT DOLLAR LIFE INSURANCE PLAN: SUSAN GRUBER, CEO/PRESIDENT ALISON DETUNCQ, FORMER CEO/PRESIDENT KAREN GILLISPIE, FORMER VP OPERATIONS LESLIE ROBINSON, SVP ADMINISTRATION KEITH O'NEIL, COO KAREN GILLISPIE FORMER EXECUTIVE EMPLOYEE TO FUND DEFERRED COMPENSATION X 160000 800000 0 1 1 LESLIE ROBINSON EXECUTIVE EMPLOYEE TO FUND DEFERRED COMPENSATION X 130000 1300001 0 1 1 ALISON DETUNCQ FORMER CEO/PRESIDENT TO FUND DEFERRED COMPENSATION X 5573323 5548652 0 1 1 KEITH O'NEIL EXECUTIVE EMPLOYEE TO FUND DEFERRED COMPENSATION X 225000 1705655 0 1 1 SUSAN GRUBER CEO/PRESIDENT TO FUND DEFERRED COMPENSATION X 12000000 12146678 0 1 1 21500986 FORM 990, SCH L, PART II THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS THROUGH AN ARRANGEMENT REFERRED TO AS A "COLLATERAL ASSIGNED SPLIT DOLLAR." ALTHOUGH THE IRS REQUIRES REPORTING IN PART II OF SCHEDULE L AS A LOAN TO AN INTERESTED PARTY, THIS IS NOT AN ACTUAL LOAN. THERE IS NO TRANSFER OF FUNDS TO THE PARTICIPANTS NOR AN OBLIGATION TO REPAY THE FUNDS. INSTEAD THE CREDIT UNION RECOVERS ANY OUTLAYS, PLUS INTEREST, FROM THE UNDERLYING POLICY. THAT IS, THE CREDIT UNION DEPOSITS FUNDS DIRECTLY INTO A LIFE INSURANCE POLICY TO ENSURE REPAYMENT. AT SPECIFIED TIMES, THE PARTICIPANTS MAY BORROW FUNDS FROM THE CASH SURRENDER VALUE OF THE POLICY TO SUPPLEMENT RETIREMENT INCOME. THE BORROWINGS ARE MONITORED TO ENSURE THE POLICY WILL PAY A DEATH BENEFIT AT LEAST SUFFICIENT TO COVER THE CREDIT UNION'S OUTLAYS PLUS INTEREST. ANY REMAINING DEATH BENEFITS ARE DIVIDED BETWEEN THE CREDIT UNION AND THE PARTICIPANT'S BENEFICIARIES AS AGREED UPON. FORM 990, PART VI, SECTION A, LINE 6 UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION IS OWNED BY ITS MEMBERSHIP. EACH MEMBER OWNS ONE SHARE WHICH ENTITLES THAT INDIVIDUAL TO ONE VOTE IN THE ELECTION OF THE CREDIT UNION'S VOLUNTEER BOARD OF DIRECTORS. MEMBERSHIP IS SECURED BY A $5 PAR VALUE WHICH THE MEMEBER MUST MAINTAIN IN HIS OR HER PRIMARY SHARE SAVINGS ACCOUNT. MEMBERSHIP IS OPEN TO ANY PERSON WHO LIVES, WORKS, OR ATTENDS SCHOOL IN THE CITY OF CHARLOTTESVILLE OR THE COUNTIES OF ALBEMARLE, AMHERST, AUGUSTA, BATH, BEDFORD, BUCKINGHAM, CAMPBELL, CULPEPER, CUMBERLAND, FAUQUIER, FLUVANNA, GREENE, HIGHLAND, LOUISA, MADISON, NELSON, ORANGE, RAPPHANNOCK, ROCKBRIDGE, ROCKINGHAM, AS WELL AS THE CITIES OF CHARLOTTESVILLE, HARRISONBURG, LYNCHBURG, STAUNTON, & WAYNESBORO. ANY ONE RELATED TO A CURRENT MEMBER BY BLOOD, MARRIAGE, OR ADOPTION IS ALSO ELIGIBLE TO JOIN. FORM 990, PART VI, SECTION A, LINE 7A THE UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION IS A MEMBER-OWNED FINANCIAL INSTITUTION. EACH MEMBER OWNS ONE SHARE WHICH ENTITLES THAT INDIVIDUAL TO ONE VOTE WHICH MAY BE EXCERCISED ANNUALLY FOR THE ELECTION OF A VOLUNTEER BOARD OF DIRECTORS. 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. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 WILL BE REVIEWED BY THE SENIOR VICE PRESIDENT WHERE ALL THE DATA USED TO COMPILE THE FORM 990 CAME FROM THE AUDITED FINANCIALS. FORM 990, PART VI, SECTION B, LINE 12C ALL OFFICERS AND DIRECTORS ARE REQUIRED TO COMPLETE A CONFLICT OF INTEREST STATEMENT ANNUALLY. IF ANY INDIVIDUAL WERE TO REPORT A CONFLICT OF INTEREST, THE SPECIFIC SITUATION WOULD BE REVIEWED AND MANAGED AS DEEMED APPROPRIATE BY THE REMAINING BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 15 THE CREDIT UNION RETAINS THE SERVICES OF AN EXTERNAL COMPENSATION CONSULTING FIRM WHICH PROVIDES MARKET AND PEER GROUP COMPENSATION COMPARISON DATA. THE EXECUTIVE COMMITTEE OF THE BOARD OF DIRECTORS UTILIZES THIS DATA DURING THE PROCESS OF DETERMINING AND APPROVING COMPENSATION FOR THE CREDIT UNION'S CEO. THE CEO IN CONJUNCTION WITH THE CREDIT UNION'S HUMAN RESOURCES DEPARTMENT UTILIZES THIS DATA WHEN DETERMINING AND APPROVING THE COMPENSATION FOR THE CREDIT UNION'S OFFICERS AND KEY EMPLOYEES. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION'S GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY HAVE NOT BEEN MADE READILY AVAILABLE TO THE GENERAL PUBLIC. IF WE WERE TO RECEIVE A REQUEST FOR ANY SUCH DOCUMENTS, WE WOULD CAREFULLY CONSIDER THE REQUEST AND RESPOND APPROPRIATELY. THE CREDIT UNION'S FINANCIAL STATEMENTS ARE POSTED MONTHLY IN THE BRANCH FACILITIES. FORM 990, PART IX, LINE 11G OTHER PROFESSIONAL SERVICS 1,831,636. FORM 990, PART XI, LINE 9: RECLASSIFICATION FOR NET INVESTMENT (GAINS)/LOSSES INCLUDED IN OTHER OPERATING INCOME 125,614. 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. UVA COMMUNITY CREDIT UNION FOUNDATION 3300 BERKMAR DRIVE CHARLLOTESVILLE VA 22901 994234517 CHARITABLE FOUNDATION VA 501(C)(3) PF UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0