2014-11-17T15:21:02-06:00 2013-12-31 411944416 MCGLADREY LLP 801 NICOLLET MALL SUITE 1100 MINNEAPOLIS MN 55402 990 2013-01-01 910440744 CREDIT UNIONS IN THE STATE OF WASHINGTON TWINSTAR CREDIT UNION CRED 3603579911 PO BOX 718 OLYMPIA WA 98507 KIM PETERSON CFO 3603579911 2014-11-14 1 GERALD B KISSELL P00092658 6123324300 2013 2015-11-30 17:44:51Z TWINSTAR CREDIT UNION JEFF KENNEDY PO BOX 718 OLYMPIA WA 98507 121357754 0 X WWW.TWINSTARCU.COM X 1937 WA TWINSTAR CREDIT UNION WAS ORIGINALLY ORGANIZED ON NOVEMBER 8, 1937 AND INCORPORATED ON JANUARY 3, 1938 AS THURSTON COUNTY TEACHERS CREDIT UNION. THE CREDIT UNION WAS FORMED WITH THE PURPOSE OF PROVIDING THE BEST POSSIBLE FINANCIAL SERVICES AT THE LOWEST POSSIBLE COST. 8 8 412 40 357461 -130141 0 0 55936057 55910154 6321308 4975921 0 25546 62257365 60911621 120317 145271 6267683 4866912 21632399 21673288 0 0 0 28611279 26013640 56631678 52699111 5625687 8212510 831339299 880814196 750028107 796292545 81311192 84521651 X TWINSTAR CREDIT UNION HELPS OUR MEMBERS GET AHEAD FINANCIALLY BY PROVIDING A VARIETY OF FINANCIAL SERVICES THAT CREATE RELATIONSHIPS AND FEATURE EXCEPTIONAL BENEFITS AND ADVANTAGES. 1 0 SHARE ACCOUNTS: TWINSTAR SAVINGS ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. TWINSTAR HAD 101,327 MEMBER-OWNER ACCOUNTS ON DECEMBER 31, 2013. MEMBER SAVINGS ACCOUNTS PAY DIVIDENDS MONTHLY AND OFFER ACCESS THROUGH THE BRANCH NETWORK, HOME BANKING VIA THE INTERNET OR TELEPHONE, MOBILE BANKING AND VIA ATMS WORLDWIDE. SPECIAL SAVINGS ACCOUNTS ARE DESIGNED FOR CHILDREN AND TEENAGERS TO ENCOURAGE THE DEVELOPMENT OF CONSISTENT SAVINGS HABITS. CHECKING ACCOUNTS: TWINSTAR PROVIDES CHECKING ACCOUNTS FOR CONSUMERS WITH VARIOUS FEATURES, FROM FREE ACCOUNTS TO THOSE WITH ENHANCED BENEFITS. MOST OFFER DIVIDENDS THAT ARE PAID MONTHLY. ADDITIONALLY, TWINSTAR EXTENDS THE REACH OF THESE ACCOUNTS TO ALL MEMBERS WITH FREE DEBIT CARDS, INTERNET ACCOUNT ACCESS AND FREE USE OF THE INTERNET BILL PAYER PLATFORM. 65% OF TWINSTAR MEMBERS HAVE A CHECKING ACCOUNT. CONSUMER LOANS: TWINSTAR CREDIT UNION HAS PROVIDED VEHICLE LOANS SINCE ITS EARLY YEARS. THE CONSUMER LOAN PRODUCT LINE NOW INCLUDES EFFICIENT UNDERWRITING AND FLEXIBLE OFFERINGS FOR RECREATIONAL VEHICLES, BOATS AND MOTORCYCLES. TWINSTAR ALSO OFFERS VISA CREDIT CARDS TO MEMBERS. THIS PRODUCT LINE SATISFIES MEMBERS DIVERSE BORROWING NEEDS, FROM A SHARE SECURED CARD TO A CREDIT LINE FOR YOUNG BORROWERS TO A CARD WITH LARGER CREDIT LINES AND LOW INTEREST RATES. TWINSTAR ALSO OFFERS HOME EQUITY/REAL ESTATE LOANS AND BUSINESS LOANS. 0 0 1 0 0 0 0 1 0 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 1 1 1 0 1 27012 0 1 412 1 1 1 0 0 0 0 0 X 8 8 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 X KIM PETERSON 3609234408 PO BOX 718 OLYMPIA WA 98507 SCOTT HORNER BOARD CHAIR 1.00 X X 0 0 0 GAYLA GJERTSEN VICE CHAIR 1.00 X X 0 0 0 RHODETTA SEWARD SECRETARY 1.00 X X 0 0 0 RON HASTIE DIRECTOR 1.00 X 0 0 0 DONNA FELICIANO DIRECTOR 1.00 X 0 0 0 JOHN PARR DIRECTOR 1.00 X 0 0 0 JOANNE SANFORD DIRECTOR 1.00 X 0 0 0 KIM MARTIN DIRECTOR 1.00 X 0 0 0 JEFF KENNEDY PRESIDENT 40.00 X 342285 0 27663 KIMBERLY PETERSON VP CHIEF FINANCIAL OFFICER 40.00 X 120121 0 14504 JOHN JOHNSON SVP/CUSOS & TECHNOLOGY 40.00 X 151213 0 6285 SCOTT DAUKAS VP CHIEF OP OFFICER 40.00 X 150881 0 24860 REBECCA BREEN VP CHIEF RETAIL OFFICER 40.00 X 140785 0 29568 MATTHEW DEVLIN VP MARKETING/BUSINESS DEVE 40.00 X 133825 0 15287 MARY BETH SPUCK VP CHIEF ADMINSTRATIVE OFF 40.00 X 130427 0 23169 ELKAN WOLLENBERG VP/CHIEF TECHNOLOGY OFFICER 40.00 X 124883 0 14754 CANDICE MILLS SENIOR FINANCIAL ADVISOR 40.00 X 133362 0 16388 1427782 0 172478 16 0 1 0 CUSTOM INC 6004 CAPITOL BLVD S TUMWATER WA 98501 DATA PROCESSING, COURIER 498827 CENTURY LINK PO BOX 52187 PHOENIX AZ 85072 DATA/PHONE SERVICES 470760 JACK HENRY & ASSOCIATES PO BOX 609 MONETT MO 65708 SOFTWARE MAINTENANCE/CONSULTING 424448 DIAMOND MARKETING SOLUTIONS GROUP 3372 MOMENTUM PLACE CHICAGO IL 60689 PRINTING/MAIL SERVICES 398105 MOMENTUM INC 1520 4TH AVE STE 300 SEATTLE WA 98101 CONSTRUCTION SERVICES 366303 28 INTEREST ON LOANS 522100 31785780 31785780 FEES AND CHARGES 522100 15913245 15430547 482698 VISA/INTERCHANGE INCOME 522100 7103675 7103675 OTHER INCOME 522100 1107454 1232691 -125237 55910154 2059508 2059508 85923 60377 25546 25546 25546 61442217 1859952 58014960 2370796 3427257 -510844 2916413 2916413 60911621 55552693 357461 5001467 84746 60525 4866912 851763 16204781 643824 2682338 1290582 31715 80426 151382 2690 1974976 1465082 2467350 915889 40941 2199675 264336 761553 199351 2855807 931890 MEMBER SERVICES 5137534 PROVISION FOR LOAN LOSS 4948020 LOAN SERVICING EXPENSES 1509443 75580 52699111 82084741 63553981 2829819 3001388 549486151 595256177 49850931 22267667 28355803 27583264 114163378 143794853 22927058 9250532 31492349 38374001 831339299 880814196 12304873 9830275 2594358 1384895 735128876 785077375 750028107 796292545 X 0 0 0 0 81311192 84521651 81311192 84521651 831339299 880814196 8212510 -5002051 0 X 0 1 X 1 0 13707 13707 13707 1 STATE AND FEDERAL PAC NW CU ASSOCIATION 33301 9TH AVE S FEDERAL WAY WA 98003 5000 CREDIT UNION LEGISLATIVE PAC ATTN ACCOUNTING NW CU ASSOC 1800 SEATAC WA 98188 8707 PART I-A, LINE 1: THE CREDIT UNION MAKES CONTRIBUTIONS TO THE POLITICAL ACTION COMMITTEES TO SUPPORT CREDIT UNION ISSUES. 0 1 X 6211917 6211917 25566950 9254385 16312565 3716008 2207014 1508994 14356056 10806268 3549788 27583264 SHAREHOLDER DEPOSITS 783445317 DEFERRED COMPENSATION LIABILITIES 1632058 785077375 X 61482842 0 61482842 -571221 -571221 60911621 53270332 571221 571221 52699111 0 52699111 PART IV, LINE 2B: WHEN OUR MORTGAGE SERVICER (MS) RECEIVES LOAN PAYMENT FROM OUR MEMBERS, THEY REMIT THE FUNDS TO THE CU VIA ACH. THE FUNDS ARE HELD IN A CUSTODIAL ACCOUNT AND ARE APPLIED TO THE APPROPRIATE GENERAL LEDGERS AT THE BEGINNING OF THE MONTH. TAXES AND INSURANCE PAYMENTS COLLECTED BY OUR MS ARE ALSO HELD IN A CUSTODIAL ACCOUNT AND PERIODIC WITHDRAWALS ARE MADE AS ESCROW ITEMS ARE PAID. PART X, LINE 2: THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2013 AND 2012. THE CREDIT UNION'S 2010 THROUGH 2013 TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE AUTHORITIES. PART XI, LINE 4B - OTHER ADJUSTMENTS: LOSS ON SALE OF ASSETS RECLASSED FROM EXPENSES -510,844. RENTAL EXPENSES RECLASSED FROM EXPENSES -60,377. PART XII, LINE 2D - OTHER ADJUSTMENTS: LOSS ON SALE OF ASSETS RECLASSED FROM EXPENSES 510,844. RENTAL EXPENSES RECLASSED FROM EXPENSES 60,377. 1 0 0 CLASSROOM CASH AWARDS 173 29525 HIGH SCHOOL SCHOLARSHIPS 18 18000 HIGHER EDUCATION SCHOLARSHIPS 8 8000 CHILD DAYCARE SCHOLARSHIP PROGRAM 1 5000 PART I, LINE 2: SCHOLARSHIPS ARE MADE PAYABLE TO THE ACCEPTING EDUCATIONAL INSTITUTIONS. SALES RECEIPTS ARE REQUIRED TO BE SUBMITTED FOR CLASSROOM CASH USAGE. X X 1 1 X X X 0 1 0 JEFF KENNEDY PRESIDENT 328334 0 0 0 13951 0 15300 0 12363 0 369948 0 0 0 JOHN JOHNSON SVP/CUSOS & TECHNOLOGY 14324 0 0 0 136889 0 5552 0 733 0 157498 0 0 0 SCOTT DAUKAS VP CHIEF OP OFFICER 149329 0 0 0 1552 0 9463 0 15397 0 175741 0 0 0 REBECCA BREEN VP CHIEF RETAIL OFFICER 138816 0 0 0 1969 0 9143 0 20425 0 170353 0 0 0 MARY BETH SPUCK VP CHIEF ADMINSTRATIVE OFF 129426 0 0 0 1001 0 8204 0 14965 0 153596 0 0 0 PART I, LINE 1A TRAVEL FOR COMPANIONS - SPOUSE/DOMESTIC PARTNER EXPENSES WILL BE PAID BY THE CREDIT UNION AND ARE INCLUDED IN THE BUDGET. A 1099-MISC IS ISSUED TO THE BOARD MEMBER PROVIDED THE $600 REPORTING THRESHOLD IS MET. HEALTH OR SOCIAL CLUB DUES - THE CREDIT UNION PURCHASED A GOLF MEMBERSHIP FOR THE CEO, WHICH IS USED TO TAKE VENDORS AND BUSINESS ASSOCIATES GOLFING WHEN THEY ARE IN TOWN. PART I, LINE 4B THE CREDIT UNION HAS A NON-QUALIFIED DEFERRED COMPENSATION PLAN FOR MEMBERS OF MANAGEMENT. THE CREDIT UNION CONTRIBUTES 100% OF THE FUNDS TO THIS PLAN INTO VARIOUS LIFE INSURANCE POLICIES WHICH ARE REPORTED AT THEIR CASH SURRENDER VALUES. UNDER THE TERMS OF THIS PLAN, THE PARTICIPANTS ARE ENTITLED TO A SPECIFIED AMOUNT IF THEY REMAIN EMPLOYED BY THE CREDIT UNION UNTIL A PREDETERMINED TIME. IF THESE EMPLOYEES BECOME FULLY DISABLED OR UPON DEATH, AS DEFINED IN THE AGREEMENT, ACCRUED BENEFITS ARE IMMEDIATELY PAYABLE. THE BENEFITS ARE SUBJECT TO FORFEITURE IF EMPLOYMENT IS TERMINATED FOR CAUSE AS DEFINED IN THE AGREEMENTS. THE DEFERRED COMPENSATION ACCOUNTS ARE SHOWN AS BOTH ASSETS AND LIABILITIES ON THE CREDIT UNION'S CONSOLIDATED FINANCIAL STATEMENTS AND ARE AVAILABLE TO CREDITORS IN THE EVENT OF THE CREDIT UNION'S LIQUIDATION. JOHN "TIM" JOHNSON, SVP/CUSOS & TECHNOLOGY, PARTICIPATED IN A NON-QUALIFIED RETIREMENT PLAN DURING 2013 AND RECIEVED A PAYOUT IN THE AMOUNT OF $500,000. FORM 990, PART III, LINE 2 SAVE TO WIN IS AN INNOVATIVE PROGRAM DESIGNED TO HELP PEOPLE WHO HAVEN'T SAVED TO START A MONEY SAVING HABIT. PARTICIPANTS OPEN A SPECIAL CERTIFICATE THAT CAN BE ADDED TO EACH MONTH. THEY THEN ARE ELIGIBLE FOR MONTHLY PRIZES. THERE IS NEVER A LOSS OF PRINCIPAL AND THE DEPOSITS EARN DIVIDENDS REGARDLESS OF WHETHER THE MEMBER WINS A PRIZE OR NOT. FRAUD DEFENDER IS A PROGRAM THAT HELPS PEOPLE RESTORE THEIR GOOD NAME IF THEY EVER BECOME THE VICTIM OF IDENTITY THEFT. KASASA CHECKING ACCOUNTS REWARD ACCOUNT HOLDERS WITH CASH BACK OR ITUNES CREDITS. ACCOUNT HOLDERS NEED TO MEET A FEW SIMPLE REQUIREMENTS EACH QUALIFICATION CYCLE TO EARN REWARDS. THERE ARE NO FEES OR PENALTIES IF THEY DO NOT QUALIFY DURING A MONTHLY QUALIFICATION CYCLE. MOBILE BANKING (REMOTE DEP CAPTURE)-TO GIVE ADDITIONAL CONVENIENCE TO MEMBERS SO THEY CAN MANAGE THEIR ACCOUNTS ANYTIME, FROM ANYWHERE WITH THEIR INTERNET ENABLED PHONE. FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION'S MEMBERS HAVE RIGHTS TO ELECT THE MEMBERS OF THE GOVERNING BODY. THE CREDIT UNION'S MEMBERS ALSO RECEIVE A SHARE OF THE ORGANIZATION'S PROFITS IN THE FORM OF CASH DIVIDENDS. FORM 990, PART VI, SECTION A, LINE 7A MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, AS VACANCIES ARISE, OR OTHERWISE. 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 11 THE 990 IS REVIEWED BY THE CONTROLLER AND THE CFO. A COPY WILL BE PRESENTED TO THE BOARD OF DIRECTORS PRIOR TO ELECTRONICALLY FILING FORM 990 WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C ANNUALLY, AT THE ORGANIZATIONAL MEETING, THE DIRECTORS, SUPERVISORY COMMITTEE AND BOARD COMMITTEE MEMBERS REVIEW AND SIGN THE VOLUNTEER CODE OF ETHICS POLICY NO. 116 AND PROCEDURE NO. 1091. EACH SIGNS AN ACKNOWLEDGEMENT AND AGREEMENT, A STATEMENT OF DISCLOSURE, AND A PERSONAL BACKGROUND AND RELATIONSHIPS FORM. FORM 990, PART VI, SECTION B, LINE 15 THE BOARD MEETS IN EXECUTIVE SESSION AND DETERMINES COMPENSATION FOR THE PRESIDENT/CEO BY REVIEWING 1) COMPARABILITY DATA PROVIDED BY A HUMAN RESOURCES VENDOR, 2) THE RESULTS OF MANAGEMENT'S GOALS FOR THE YEAR, AND 3) THE RESULTS OF THE PRESIDENT/CEO EVALUATION AND SCORING SHEET COMPLETED BY EACH BOARD DIRECTOR. COMPENSATION FOR VICE PRESIDENTS/OFFICERS IS DETERMINED BY THE PRESIDENT/CEO AFTER REVIEWING COMPARABILITY DATA PROVIDED BY A HUMAN RESOURCES VENDOR AND REVIEW OF THE PROGRESS AND RESULTS OF MANAGEMENTS GOALS. FORM 990, PART VI, SECTION C, LINE 19 A. AVAILABILITY AND DISCLOSURE OF CORPORATE RECORDS TO MEMBERS. CREDIT UNION MEMBERS HAVE THE RIGHT TO BE PROPERLY INFORMED OF THE CREDIT UNION OPERATIONS. IN ORDER TO BE PROPERLY INFORMED, THE CREDIT UNION RECOGNIZES THE NEED TO MAKE AVAILABLE TO AND DISCLOSE CERTAIN CREDIT UNION CORPORATE RECORDS UPON REQUEST. CONSISTENT WITH THE ACT AND THEIR FIDUCIARY RESPONSIBILITIES, THE BOARD HAS DEVELOPED THE FOLLOWING GUIDELINES FOR DISCLOSURE OF CREDIT UNION CORPORATE RECORDS THAT FAIRLY BALANCE THE CREDIT UNION MEMBERS' RIGHT TO BE INFORMED AND THE NEED FOR THE CREDIT UNION TO PROTECT CONFIDENTIAL AND PROPRIETARY DOCUMENTS OF THE CREDIT UNION AND PRIVACY INFORMATION OF EMPLOYEES. GUIDELINES FOR REQUESTING CREDIT UNION CORPORATE RECORDS- A MEMBER REQUESTING ANY CREDIT UNION CORPORATE RECORDS MUST SPECIFICALLY IDENTIFY THE DISCLOSABLE RECORDS REQUESTED. THE CREDIT UNION MAY REQUIRE THE MEMBER TO SIGN A CONFIDENTIALITY AGREEMENT TO PROTECT THE CREDIT UNION FROM UNAUTHORIZED DISCLOSURE OF CERTAIN PROPRIETARY INFORMATION (CREDIT UNION RECORDS II-VII LISTED BELOW). B. AVAILABILITY AND DISCLOSURE OF CREDIT UNION CORPORATE RECORDS. UPON A PROPER REQUEST, THE CREDIT UNION WILL MAKE THE FOLLOWING DOCUMENTS AVAILABLE TO MEMBERS: I. ARTICLES AND BYLAWS. (CONFIDENTIALITY AGREEMENT NOT REQUIRED) II. MINUTES OF MEMBERSHIP MEETINGS. III. ANNUAL FINANCIAL REPORT IV. FINANCIAL REPORTS AND FORMS. 5300 CALL REPORTS. FORM 990 (SUBJECT TO THE CREDIT UNION'S DISCLOSURE GUIDELINES FOR FORM 990). V. CODE OF ETHICS. VI. CORPORATE GOVERNANCE POLICIES. CORPORATE GOVERNANCE GUIDELINES FOR MEMBERS MEETINGS AND ACTIONS. MEMBERS RIGHTS POLICY. VII. BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE. NAMES, BIOGRAPHICAL INFORMATION, AND COMMITTEE ASSIGNMENTS. C. LIMITED ACCESS TO CREDIT UNION RECORDS. THE CREDIT UNION DOES NOT MAKE ALL CREDIT UNION RECORDS AVAILABLE TO GENERAL MEMBER REQUESTS DUE TO THE CONFIDENTIAL AND PROPRIETARY NATURE OF THE INFORMATION CONTAINED IN THE RECORDS, THE DISCLOSURE OF WHICH WOULD CREATE A COMPETITIVE OR REPUTATION RISK TO THE CREDIT UNION AND AN INVASION OF PRIVACY OF MEMBERS' AND EMPLOYEES' PERSONAL INFORMATION. THE CREDIT UNION CANNOT DISCLOSE MEMBER NAMES OR ACCOUNT INFORMATION OR MAKE AVAILABLE A MEMBERSHIP LIST UNLESS REQUIRED BY LAW. SIMILARLY, THE CREDIT UNION DOES NOT MAKE MINUTES OF BOARD OF DIRECTOR MEETINGS AVAILABLE DUE TO PROPRIETARY, STRATEGIC BUSINESS, AND PRIVATE EMPLOYMENT MATTERS ADDRESSED AT SUCH MEETINGS. MEETINGS OF THE BOARD AND BOARD COMMITTEES ARE OPEN TO THE BOARD MEMBERS, SUPERVISORY COMMITTEE MEMBERS, BOARD COMMITTEE MEMBERS, AND SUCH CREDIT UNION MANAGEMENT AS THE BOARD INVITES TO SUCH MEETINGS. IN ACCORDANCE WITH THE ACT, BOARD AND BOARD COMMITTEE MEETINGS ARE NOT OPEN TO THE GENERAL MEMBERSHIP DUE TO THE STRATEGIC BUSINESS, PRIVATE FINANCIAL AND EMPLOYMENT RELATED INFORMATION DISCUSSED AT SUCH MEETINGS. ALSO, THE CREDIT UNION, AS A MATTER OF LAW, CANNOT DISCLOSE THE CONTENTS OF ANY EMPLOYMENT OR BENEFITS AGREEMENT OF ANY EMPLOYEE INCLUDING THE CEO. THE CREDIT UNION, IN ITS SOLE DISCRETION AND ON A CASE-BY-CASE REQUEST AND DETERMINATION, MAY CONSIDER A SPECIFIC RECORD REQUEST WITH RESPECT TO THE OTHER TYPES OF CREDIT UNION RECORDS BALANCING THE MEMBER'S NEED FOR THE INFORMATION AND THE CREDIT UNION'S NEED TO PROTECT SUCH RECORDS OR INFORMATION FROM DISCLOSURE. THE CREDIT UNION MAY REQUIRE THE MEMBER TO SIGN A CONFIDENTIALITY AGREEMENT TO PROTECT THE CREDIT UNION FROM UNAUTHORIZED DISCLOSURE OF ANY PROPRIETARY INFORMATION. THE PARAGON CONSULTING GROUP FKA FULCRUM CONSULTING LLC 711 CAPITOL WAY SOUTH STE 708 OLYMPIA WA 98501 260473592 CONSULTING WA 2324507 1015400 TWINSTAR CREDIT UNION CREDIT UNION SERVICES THROUGH OPERATIONS MANAGEMENT INC 6004 CAPITAL BLVD SOUTH TUMWATER WA 98501 911283584 COURIER SERVICES WA TWINSTAR CREDIT UNION C 187699 -261760 1.00000 0 1 0 0 1 0 0 0 1 0 0 0 1 1 0 0 1 0 0 0 CREDIT UNION SERVICES THROUGH OPERATIONS MANAGEMENT INC A 26148 ACTUAL AMOUNT CREDIT UNION SERVICES THROUGH OPERATIONS MANAGEMENT INC H 150366 ACTUAL AMOUNT CREDIT UNION SERVICES THROUGH OPERATIONS MANAGEMENT INC M 161763 ACTUAL AMOUNT