2014-09-04T15:15:21-05:00 2013-12-31 910189318 MOSS ADAMS LLP 805 SW BROADWAY STE 1200 PORTLAND OR 97205 990 2013-01-01 911792217 HAPO COMMUNITY CREDIT UNION HAPO 5099435676 601 WILLIAMS BLVD RICHLAND WA 99354 JOHN SCHNELLBACH CFO CFO 5099435676 2014-09-04 1 WENDY CAMPOS P00448102 5032421447 2013 2015-11-30 17:44:51Z X DAVID SCHULZ 601 WILLIAMS BLVD RICHLAND WA 99354 69814726 0 X WWW.HAPO.ORG X 1953 WA SEE SCHEDULE O 7 7 395 11 177381 70024 0 0 65480832 69009370 33317 67439 387648 427183 65901797 69503992 0 427775 0 0 21910960 23017190 0 0 0 33376718 35820057 55287678 59265022 10614119 10238970 1117409291 1244819667 1039840628 1155669177 77568663 89150490 X SEE SCHEDULE O 0 0 HAPO PROVIDES LOW COST SAVINGS VEHICLES WITH REASONABLE INTEREST RETURN AND LOW INTEREST RATE LOANS TO NEARLY 108,000 MEMBERS, WITHOUT CAPITAL STOCK, AND IS ORGANIZED AND OPERATED FOR MUTUAL PURPOSES, CONSISTENT WITH THE PHILOSOPHY OF THE CREDIT UNION MOVEMENT AND THE REGULATORY REQUIREMENTS OF THE NCUA AND STATE LAW. THE NET INCREASE IN RETAINED EARNINGS FROM PROGRAM SERVICES PROVIDES FOR THE SAFETY AND SOUNDNESS OF THE CREDIT UNION IN ACCORDANCE WITH THE REGULATORY REQUIREMENTS OF THE NCUA AND STATE LAW. 0 0 0 0 0 0 0 1 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 22262 0 1 395 1 1 1 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 0 0 1 0 0 0 1 1 0 0 X JOHN SCHNELLBACH CFO 5099435676 601 WILLIAMS BLVD RICHLAND WA 99354 WILLIAM TANNER DIRECTOR 1.00 X 0 0 0 WILLIAM TYLER DIRECTOR 1.00 X 0 0 0 KEN BAYS DIRECTOR 1.00 X 0 0 0 KEN GALE DIRECTOR 1.00 X 0 0 0 WILLIAM CLARK DIRECTOR 1.00 X 0 0 0 KEN HOHENBERG DIRECTOR 1.00 X 0 0 0 RICHARD CUMMINS DIRECTOR 1.00 X 0 0 0 DAVID M SCHULZ PRESIDENT/CEO 40.00 X 799493 0 276162 STEVE G ANDERSON EXECUTIVE VP/COO 40.00 X 626700 0 234690 JOHN J SCHNELLBACH SENIOR VP/CFO 40.00 X 461233 0 229086 CAROLYN E O'NIEL SENIOR VP/CTO 40.00 X 313079 0 70130 SCOTT MITCHELL VP/CLO 40.00 X 323596 0 24367 PAUL PEDERSEN VP OF INTERNAL AUDIT 40.00 X 181461 0 23165 RUBY CAMPOS VP OF BRANCH OPERATIONS 40.00 X 279740 0 22388 DOLORES BROESKE VP OF HUMAN RESOURCES 40.00 X 191034 0 22878 ERIC CLEMENTS DIRECTOR OF COLLECTIONS 40.00 X 210721 0 20420 ALMA FEIL DIRECTOR OF MORTGAGE LENDING 40.00 X 181735 0 9372 SHERYL LUECKEL FORMER VP OF OPERATIONS 0.00 X 120000 0 6267 3688792 0 938925 15 1 1 0 MCCURLEY INTEGRITY DEALERSHIP 1325 AUTOPLEX WAY PASCO WA 99301 AUTO LOAN REFERRALS 626658 MOMENTUM INC 1520 4TH AVE SUITE 300 SEATTLE WA 98101 ARCHITECTURE & CONSTRUCTION 522975 LEGACY FORD 1225 AUTOPLEX WAY PASCO WA 99301 AUTO LOAN REFERRALS 446828 DIEBOLD PO BOX 643543 PITTSBURGH PA 15264 ATM MAINTENANCE & ALARM MONITOR 372901 FIS PO BOX 4535 CAROL STREAM IL 60197 ACCOUNT MONITORING SERVICES 367736 35 MEMBER LOAN INTEREST 522100 54595419 54595419 MEMBER FEES & CHARGES 522100 8270636 8270636 DEBIT/CREDIT/ATM INTER 522100 6143315 6143315 69009370 67439 67439 502072 308780 193292 193292 193292 1955 1954 1 1 NON-MEMBER ATM FEES 522100 127602 127602 MEMBER INSURANCE SALES 524298 58151 56510 1641 MBI 524298 48137 48137 233890 69503992 69065880 177381 260731 427775 3358535 14588458 1613402 2097338 1359457 117979 85146 1227403 709362 2302092 1713903 1372237 280870 272725 7173528 4574874 360215 PROVISION FOR LOAN LOSS 5035474 FASB 91 LOAN ORIG AMORT 4519189 CREDIT & COLLECTION 2265818 UBIT 40000 3769242 59265022 7174614 9109399 32862856 44239111 10231522 9344213 974910263 1083097918 8442193 9609435 87756191 18110750 68078280 69645441 231028 177735 15478535 19596415 1117409291 1244819667 17300260 19538051 1740796 1882028 50000000 1020799572 1084249098 1039840628 1155669177 X 0 0 0 0 77568663 89150490 77568663 89150490 1117409291 1244819667 X 10238970 1116 1341741 X 0 0 0 0 1 X 14855000 14855000 52682402 8133939 44548463 20218789 9976811 10241978 69645441 MEMBER DEPOSITS 1084249098 1084249098 PART IV, LINE 2B: HAPO MAKES FIRST MORTGAGE HOME LOANS TO ITS MEMBERS AND PROVIDED ESCROW SERVICES FOR THE COLLECTION AND PAYMENT OF HOMEOWNER INSURANCE AND RESIDENTIAL REAL ESTATE TAXES RELATED TO THOSE HOME LOANS. 0 WSU FOUNDATION 2710 CRIMSON WAY RICHLAND WA 99354 911075542 501(C)(3) 10000 MESA PROGRAM, HANFORD WSU FOUNDATION 2710 CRIMSON WAY RICHLAND WA 99354 911075542 501(C)(3) 11000 HANFORD HISTORY PROJECT TRI-CITIES CANCER CENTER FDN 7350 W DESCHUTES KENNEWICK WA 99336 911739024 501(C)(3) 100000 ANNUAL FOUNDATION PLEDGE TRI-CITIES CANCER CENTER FDN 7350 W DESCHUTES KENNEWICK WA 99336 911739024 501(C)(3) 25000 AUTUMN AFFAIR CHARITY EVENT TRI-CITIES CANCER CENTER FDN 7350 W DESCHUTES KENNEWICK WA 99336 911739024 501(C)(3) 9000 ANNUAL GOLF CLASSIC EVENT CBC FOUNDATION 2600 N 20TH AVE PASCO WA 99301 911307538 501(C)(3) 77625 PARAMEDICS EDUCATION PROGRAM YAKIMA 4TH OF JULY COMMITTEE PO BOX 856 YAKIMA WA 98902 911514194 501(C)(3) 7500 4TH OF JULY CELEBRATION KENN GEN HOSPITAL FOUNDATION 900 S AUBURN KENNEWICK WA 99336 943046326 501(C)(3) 6250 CHARITY GALA EVENTY KADLEC REG MED CTR FOUNDATION 888 SWIFT BLVD RICHLAND WA 99352 237005501 501(C)(3) 20000 NICU CAPITAL CAMPAIGN KADLEC REG MED CTR FOUNDATION 888 SWIFT BLVD RICHLAND WA 99352 237005501 501(C)(3) 15000 ANNUAL GOLF CLASSIC EVENT YAKIMA VALLEY VISITOR & CONVENTION BUREAU 10 N 8TH ST YAKIMA WA 98901 910788723 501(C)(3) 7000 HOT SHOTS BASKETBALL TOURNAMENT HANFORD REACH INTERPRETIVE CENTER 1229 COLUMBIA PARK TRAIL RICHLAND WA 99352 202533700 501(C)(3) 10000 GENERAL DONATION CITY OF KENNEWICK 414 E 10TH AVE KENNEWICK WA 99336 916001253 CITY OF KENNEWICK 37400 SWAT TEAM ROBOT CITY OF PASCO PO BOX 293 PASCO WA 99301 916001264 CITY OF PASCO 12000 POLICE K9 PROGRAM TRI-CITY REG CHAMBER OF COMMERCE 7130 W GRANDRIDGE BLVD KENNEWICK WA 99336 204120487 501(C)(6) 20000 COOL DESERT NIGHTS TRI-CITIES REG CHAMBER OF COMMERCE 7130 W GRANDRIDGE BLVD KENNEWICK WA 99336 204120487 501(C)(6) 20000 4TH OF JULY CELEBRATION TRI-CITY WATER FOLLIES ASSOCIATION 621 N GUM ST KENNEWICK WA 99336 916060434 501(C)(4) 40000 AIR SHOW SPONSOR 14 3 X X X 1 1 X X X 1 1 0 DAVID M SCHULZ PRESIDENT/CEO 558096 0 214000 0 27397 0 255227 0 20935 0 1075655 0 0 0 STEVE G ANDERSON EXECUTIVE VP/COO 437196 0 165640 0 23864 0 217137 0 17553 0 861390 0 0 0 JOHN J SCHNELLBACH SENIOR VP/CFO 353333 0 86704 0 21196 0 217138 0 11948 0 690319 0 0 0 CAROLYN E O'NIEL SENIOR VP/CTO 249375 0 43123 0 20581 0 55261 0 14869 0 383209 0 0 0 SCOTT MITCHELL VP/CLO 243958 0 60555 0 19083 0 6759 0 17608 0 347963 0 0 0 PAUL PEDERSEN VP OF INTERNAL AUDIT 162375 0 0 0 19086 0 5415 0 17750 0 204626 0 0 0 RUBY CAMPOS VP OF BRANCH OPERATIONS 223958 0 36700 0 19082 0 6754 0 15634 0 302128 0 0 0 DOLORES BROESKE VP OF HUMAN RESOURCES 159167 0 12845 0 19022 0 5341 0 17537 0 213912 0 0 0 ERIC CLEMENTS DIRECTOR OF COLLECTIONS 208632 0 0 0 2089 0 1553 0 18867 0 231141 0 0 0 ALMA FEIL DIRECTOR OF MORTGAGE LENDING 69835 0 0 0 111900 0 1400 0 7972 0 191107 0 0 0 SHERYL LUECKEL FORMER VP OF OPERATIONS 0 0 0 0 120000 0 0 0 6267 0 126267 0 0 0 PART I, LINE 1A PURSUANT TO HAPO'S POLICIES, TRAVEL IS PROVIDED FOR SPOUSES OF DIRECTORS AND EXECUTIVE MANAGEMENT WHILE ON CREDIT UNION RELATED TRAVEL. PART I, LINE 1B PAYMENT FOR ANY AND ALL REIMBURSABLE EXPENSES MUST HAVE SUFFICIENT SUPPORTING DOCUMENTATION. PART I, LINES 4A-B HAPO HAD ONE FORMER KEY EMPLOYEE THAT RECEIVED REPORTABLE COMPENSATION TOTALING $120,000 RELATED TO A SEVERANCE PACKAGE. FORM 990, PART I, LINE 1 HAPO PROVIDES LOW COST SAVINGS VEHICLES WITH SUPERIOR INTEREST RETURN AND LOW INTEREST RATE LOANS TO ITS MEMBERS, WITHOUT CAPITAL STOCK, ORGANIZED AND OPERATED FOR MUTUAL PURPOSES AND WITHOUT PROFIT. NET EARNINGS ARE RETAINED IN ACCORDANCE WITH THE REGULATORY REQUIREMENTS OF THE NCUA AND STATE LAW. FORM 990, PART III, LINE 1 HAPO PROVIDES LOW COST SAVINGS VEHICLES WITH SUPERIOR INTEREST RETURN AND LOW INTEREST RATE LOANS TO ITS MEMBERS, WITHOUT CAPITAL STOCK, ORGANIZED AND OPERATED FOR MUTUAL PURPOSES AND WITHOUT PROFIT. NET EARNINGS ARE RETAINED IN ACCORDANCE WITH THE REGULATORY REQUIREMENTS OF THE NCUA AND STATE LAW. FORM 990, PART VI, SECTION A, LINE 6 HAPO IS A FEDERALLY INSURED CREDIT UNION, CHARTERED IN THE STATE OF WASHINGTON. THE CREDIT UNION FOLLOWS THE MEMBERSHIP AND GOVERNANCE RULES OF THE WASHINGTON STATE CREDIT UNION ACT AND THE RULES AND REGULATIONS OF THE NCUA, ACCORDINGLY. FORM 990, PART VI, SECTION A, LINE 7A HAPO IS A FEDERALLY INSURED CREDIT UNION, CHARTERED IN THE STATE OF WASHINGTON. THE CREDIT UNION FOLLOWS THE MEMBERSHIP AND GOVERNANCE RULES OF THE WASHINGTON STATE CREDIT UNION ACT AND THE RULES AND REGULATIONS OF THE NCUA, ACCORDINGLY. THOSE LAWS AND REGULATIONS ALLOW FOR THE MEMBERSHIP OF THE CREDIT UNION TO ELECT THE VOLUNTEER BOARD MEMBERS FROM AMONG THE MEMBERSHIP. FORM 990, PART VI, SECTION A, LINE 7B HAPO IS A FEDERALLY INSURED CREDIT UNION, CHARTERED IN THE STATE OF WASHINGTON. THE CREDIT UNION FOLLOWS THE MEMBERSHIP AND GOVERNANCE RULES OF THE WASHINGTON STATE CREDIT UNION ACT AND THE RULES AND REGULATIONS OF THE NCUA, ACCORDINGLY. THOSE LAWS AND REGULATIONS ALLOW FOR THE MEMBERSHIP OF THE CREDIT UNION TO ELECT THE VOLUNTEER BOARD MEMBERS FROM AMONG THE MEMBERSHIP. FORM 990, PART VI, SECTION B, LINE 11 FORM 990 IS PREPARED BY A PUBLIC ACCOUNTING FIRM BASED ON INFORMATION PROVIDED BY THE CREDIT UNION'S CFO. FORM 990 IS THEN REVIEWED BY THE CFO. FORM 990, PART VI, SECTION B, LINE 15A THE CEO'S COMPENSATION IS SET BY THE BOARD OF DIRECTORS ON AN ANNUAL BASIS. THE BOARD OF DIRECTORS EMPLOYS THE SERVICES OF AN INDEPENDENT COMPENSATION CONSULTANT WHO USES A VARIETY OF METHODS INCLUDING COMPENSATION SURVEYS OF SIMILAR POSITIONS. THE COMPENSATION OF OTHER KEY EMPLOYEES IS SET BY THE CREDIT UNION'S CEO WHO USES A VARIETY OF METHODS INCLUDING COMPENSATION SURVEYS OF SIMILAR POSITIONS. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION'S GOVERNING DOCUMENTS ARE AVAILABLE TO THE PUBLIC IN ACCORDANCE WITH THE WASHINGTON STATE CREDIT UNION ACT AND THE RULES AND REGULATIONS OF THE NCUA. FORM 990, PART XI, LINE 9: FASB 106 COMPREHENSIVE INCOME 14,792. DB PENSION COMPREHENSIVE INCOME 1,326,949. EXPLANATION FOR AMENDED RETURN: FORM 990-T IS BEING AMENDED TO REMOVE INCOME RELATED TO INSURANCE PRODUCTS RECEIVED PURSUANT TO A ROYALTY AGREEMENT PREVIOUSLY REPORTED AS TAXABLE INCOME, NOW CONSIDERED EXEMPT INCOME BASED ON FURTHER INFORMATION AND ANALYSIS. AS A RESULT OF THIS REDUCTION TO RECEIPTS ON FORM 990-T LINE 1A, CHARITABLE CONTRIBUTIONS ALLOWED ON LINE 20 HAVE ALSO DECREASED DUE TO THE TAXABLE INCOME LIMITATION. CHARITABLE CONTRIBUTION CARRYOVERS TO SUBSEQUENT YEARS HAVE BEEN UPDATED ACCORDINGLY. FINALLY, FORM 990 PART I AND PART VIII HAVE BEEN UPDATED TO BE CONSISTENT WITH THE CHANGES TO FORM 990-T