IQ CREDIT UNION: Form 990, tax year 2013

View the entire original 990 at ProPublica ↗

Organization: IQ CREDIT UNION (EIN 91-0576399)
Tax period: 2013-01-01 to 2013-12-31
Filed: 2014-11-17
IRS object ID: 201443219349308899
Schema version: 2013v3.0
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 I
Schedule J
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2014-11-17T15:33:15-06:00	ReturnTs
Tax Period End	2013-12-31	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	BusinessNameLine1

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	805 SW BROADWAY STE 1200	AddressLine1
City	PORTLAND	City
State	OR	State
ZIP Code	97205	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2013-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	910576399	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	IQ CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Business Name Control	IQCR	BusinessNameControlTxt
Phone	3606953441	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1313 MAIN STREET	AddressLine1
City	VANCOUVER	City
State	WA	State
ZIP Code	98660	ZIPCode

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	DEWAYNE LEDBETTER	PersonNm
Person Title	CFO/SVP FINANCE	PersonTitleTxt
Phone	3606953441	PhoneNum
Signature	2014-11-17	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

Field	Value	IRS element (for citing)
Tax	2013	TaxYr
Build TS	2015-11-30 17:44:51Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	ROGER MICHAELIS	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1313 MAIN STREET	AddressLine1
City	VANCOUVER	City
State	WA	State
ZIP Code	98660	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	$28,863,583	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.IQCU.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1940	FormationYr
Legal Domicile State	WA	LegalDomicileStateCd
Activity Or Mission	TO PROVIDE A FULL COMPLEMENT OF QUALITY FINANCIAL SERVICES IN A CONVENIENT, EFFICIENT, FRIENDLY, SECURE AND PROFITABLE MANNER WHICH MEETS THE NEED OF THE MEMBERSHIP.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	242	TotalEmployeeCnt
Total Volunteers	30	TotalVolunteersCnt
Total Gross UBI	$1,022,266	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$138,862	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$24,208,362	PYProgramServiceRevenueAmt
CY Program Service Revenue	$24,584,621	CYProgramServiceRevenueAmt
PY Investment Income	$1,672,805	PYInvestmentIncomeAmt
CY Investment Income	$1,811,740	CYInvestmentIncomeAmt
PY Other Revenue	-$115,837	PYOtherRevenueAmt
CY Other Revenue	-$90,422	CYOtherRevenueAmt
PY Total Revenue	$25,765,330	PYTotalRevenueAmt
CY Total Revenue	$26,305,939	CYTotalRevenueAmt
PY Grants And Similar Paid	$105,524	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$113,754	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$9,834,303	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$10,682,969	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$11,107,155	PYOtherExpensesAmt
CY Other Expenses	$10,778,093	CYOtherExpensesAmt
PY Total Expenses	$21,046,982	PYTotalExpensesAmt
CY Total Expenses	$21,574,816	CYTotalExpensesAmt
PY Revenues Less Expenses	$4,718,348	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$4,731,123	CYRevenuesLessExpensesAmt
Total Assets BOY	$483,777,067	TotalAssetsBOYAmt
Total Assets EOY	$508,467,996	TotalAssetsEOYAmt
Total Liabilities BOY	$446,576,257	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$467,163,703	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$37,200,810	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$41,304,293	NetAssetsOrFundBalancesEOYAmt
Mission	TO PROVIDE A FULL COMPLEMENT OF QUALITY FINANCIAL SERVICES IN A CONVENIENT, EFFICIENT, FRIENDLY, SECURE AND PROFITABLE MANNER WHICH MEETS THE NEED OF THE MEMBERSHIP.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	PROVIDE FINANCIAL SERVICES TO 49,471 MEMBERS. THESE SERVICES INCLUDE, BUT ARE NOT LIMITED TO, PROVIDING REAL ESTATE AND OTHER SECURED/ UNSECURED CONSUMER LOANS, CHECKING AND SAVINGS PROGRAMS, AND CREDIT CARD SERVICES.	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	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	Yes (1)	RelatedEntityInd
Related Organization Ctrl Ent	Yes (1)	RelatedOrganizationCtrlEntInd
Transaction With Control Ent	0	TransactionWithControlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	11218	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	242	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	Yes (1)	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	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	0	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	DEWAYNE LEDBETTER	BusinessNameLine1

Field	Value	IRS element (for citing)
Phone	3607593018	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1313 MAIN STREET	AddressLine1
City	VANCOUVER	City
State	WA	State
ZIP Code	98660	ZIPCode

Form990 Part VII Section A Form990PartVIISectionAGrp (16 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
DR JAMES SORK
BOARD CHAIRMAN	4.00	Yes (X)	Yes (X)	$0	$0	$0
DOUG LEHRMAN
BOARD VICE CHAIRMAN	3.00	Yes (X)	Yes (X)	$0	$0	$0
SHARON EASTMAN
BOARD SECRETARY	3.00	Yes (X)	Yes (X)	$0	$0	$0
ED MAXWELL
BOARD TREASURER	3.00	Yes (X)	Yes (X)	$0	$0	$0
EVIE GRENDAHL
BOARD MEMBER	2.00	Yes (X)		$0	$0	$0
STEVE PORTER
BOARD MEMBER	2.00	Yes (X)		$0	$0	$0
DON KETTERMAN
BOARD MEMBER	2.00	Yes (X)		$0	$0	$0
JOSEPH NUTTING
BOARD MEMBER	2.00	Yes (X)		$0	$0	$0
JIL CLICK
BOARD MEMBER	3.00	Yes (X)		$0	$0	$0
ROGER MICHAELIS
PRESIDENT/CEO	40.00		Yes (X)	$362,128	$0	$24,449
DEWAYNE LEDBETTER
CFO/SVP FINANCE	40.00		Yes (X)	$131,799	$0	$30,652
RANDY SWANSON
FINANCIAL INVESTMENTS MANAGER	40.00			$159,767	$0	$6,731	Yes (X)
ED TURK
EVP/COO	40.00			$152,407	$0	$33,885	Yes (X)
JON DAVIS
FINANCIAL INVESTMENT STAFF	40.00			$134,417	$0	$8,752	Yes (X)
CHRIS ANDERSON
VP MORTGAGE SERVICES	40.00			$134,256	$0	$7,462	Yes (X)
CHRIS O'MALLEY
SVP BRANCH & SUPPORT OPERATIONS/CIO	40.00			$119,461	$0	$26,817	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,194,235	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$138,748	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

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1	CityContractorAddress/USAddress/City	StateContractorAddress/USAddress/State	ZIP CodeContractorAddress/USAddress/ZIPCode	ServicesServicesDesc	CompensationCompensationAmt
INFO IMAGE
141 JEFFERSON DR	MENLO PARK	CA	94025	MEMBER STATEMENTS	$296,088
FTSI
406 E HUNTINGTON DR SUITE 100	MONROVIA	CA	91016	ATM MAINTENANCE SERVICES	$209,366
JACK HENRY & ASSOCIATES INC
663 W HIGHWAY 60	MONETT	MO	65708	SOFTWARE MAINTENANCE SUPPORT	$202,224
APPRAISAL VALET INC
10260 SOUTHWEST GREENBURG ROAD STE	PORTLAND	OR	97223	APPRAISAL SERVICES	$175,055
NW COMPLIANCE GROUP
8730 TALLON LANE NE	LACEY	WA	98516	COMPLIANCE SERVICES	$146,749

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	6	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
LOAN INTEREST	522100	$14,381,459	$14,381,459
OTHER OPERATING INCOME	522100	$5,449,345	$4,427,079	$1,022,266
FEE INCOME	522100	$4,753,817	$4,753,817

Field	Value	IRS element (for citing)
Total Program Service Revenue	$24,584,621	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,304,433	TotalRevenueColumnAmt
Exclusion	$1,304,433	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$29,980	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	$29,980	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$29,980	TotalRevenueColumnAmt
Exclusion	$29,980	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$3,064,951	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$2,557,644	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	$507,307	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$507,307	TotalRevenueColumnAmt
Exclusion	$507,307	ExclusionAmt

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	OTHER INCOME/LOSS	Desc
Business	522100	BusinessCd
Total Revenue Column	-$120,402	TotalRevenueColumnAmt
Related Or Exempt Func Income	-$120,402	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Other Revenue Total	-$120,402	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$26,305,939	TotalRevenueColumnAmt
Related Or Exempt Func Income	$23,441,953	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$1,022,266	UnrelatedBusinessRevenueAmt
Exclusion	$1,841,720	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$107,787	TotalAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$5,967	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$549,027	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$7,974,655	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$617,412	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$816,963	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$724,912	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$87,620	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$154,620	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$850,019	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$543,594	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$635,547	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,138,891	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$26,738	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$265,926	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$1,132,811	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,320,983	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$477,639	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
LOAN SERVICING	$1,459,119
ATM EXPENSES	$1,414,965
LOAN LOSS PROVISION	$625,227
TAXES ON UBIT	$49,988

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$594,406	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$21,574,816	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$2,152,451	BOYAmt
EOY	$3,504,414	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$44,935,201	BOYAmt
EOY	$18,722,316	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$267,474,758	BOYAmt
EOY	$318,023,639	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$497,314	BOYAmt
EOY	$606,233	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$32,352,905	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$13,473,585	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$17,527,721	BOYAmt
EOY	$18,879,320	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$126,061,931	BOYAmt
EOY	$122,603,890	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$3,302,662	BOYAmt
EOY	$3,284,742	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$21,825,029	BOYAmt
EOY	$22,843,442	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$483,777,067	BOYAmt
EOY	$508,467,996	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$3,793,432	BOYAmt
EOY	$4,010,975	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$210,430	BOYAmt
EOY	$0	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$442,572,395	BOYAmt
EOY	$463,152,728	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$446,576,257	BOYAmt
EOY	$467,163,703	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	$37,200,810	BOYAmt
EOY	$41,304,293	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$37,200,810	BOYAmt
EOY	$41,304,293	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$483,777,067	BOYAmt
EOY	$508,467,996	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$4,731,123	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$1,016,328	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$388,688	OtherChangesInNetAssetsAmt
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

Field	Value	IRS element (for citing)
Agent Trustee Etc	0	AgentTrusteeEtcInd
Incl Escrow Custodial Acct Liab	0	InclEscrowCustodialAcctLiabInd

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,231,279	OtherCostOrOtherBasisAmt
Book Value	$3,231,279	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$12,869,745	OtherCostOrOtherBasisAmt
Depreciation	$2,378,420	DepreciationAmt
Book Value	$10,491,325	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$7,466,887	OtherCostOrOtherBasisAmt
Depreciation	$4,652,109	DepreciationAmt
Book Value	$2,814,778	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$7,186,064	OtherCostOrOtherBasisAmt
Depreciation	$4,940,762	DepreciationAmt
Book Value	$2,245,302	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,598,930	OtherCostOrOtherBasisAmt
Depreciation	$1,502,294	DepreciationAmt
Book Value	$96,636	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$18,879,320	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	SHARES/DEPOSITS	Desc
Amt	$463,152,728	Amt

Field	Value	IRS element (for citing)
Total Liability	$463,152,728	TotalLiabilityAmt

Schedule I IRS990ScheduleI

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

Recipient Table RecipientTable (4 entries)

Address Line1USAddress/AddressLine1	CityUSAddress/City	StateUSAddress/State	ZIP CodeUSAddress/ZIPCode	Recipient EINRecipientEIN	IRC SectionIRCSectionDesc	Cash GrantCashGrantAmt	Purpose Of GrantPurposeOfGrantTxt
OREGON FOOD BANK
PO BOX 55730	PORTLAND	OR	97238	930785786	501(C)(3)	$20,000	WATERFRONT BLUES FEST SPONSOR - ELIMINATE HUNGER AND ITS CAUSES
BRAVO VANCOUVER
PO BOX 118	VANCOUVER	WA	98666	911944790	501(C)(3)	$15,000	VANCOUVER WINE & JAZZ FEST SPONSOR - PROMOTE APPRECIATION OF JAZZ TRADITIONS
FIRST TECHNOLOGY FEDERAL CREDIT UNION
PO BOX 2100	BEAVERTON	OR	97075	237062675		$10,000	DAVE & DAN OPEN SPONSOR - RAISE FUNDS AND AWARENESS FOR CHILDREN'S HOSPITALS
VANCOUVER SCHOOL DISTRICT FOUNDATION
PO BOX 6039	VANCOUVER	WA	98668	910971800	501(C)(3)	$6,404	VSD NEW TEACHER ORIENTATION

Field	Value	IRS element (for citing)
Total501c3 Org	3	Total501c3OrgCnt
Total Other Org	1	TotalOtherOrgCnt

Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp

Field	Value	IRS element (for citing)
Grant Type	SCHOLARSHIPS	GrantTypeTxt
Recipient	9	RecipientCnt
Cash Grant	$5,967	CashGrantAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2:	FormAndLineReferenceDesc
Explanation	SCHOLARSHIP APPLICANTS SUBMIT AN APPLICATION, AND RECIPIENTS ARE DETERMINED BY A NUMBER OF FACTORS INCLUDING ESSAYS, GRADES AND LETTERS OF RECOMMENDATION, WHICH ARE ALL SCORED. THE HIGHEST-RATED INDIVIDUALS ARE AWARDED SCHOLARSHIPS.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
First Class Or Charter Travel	Yes (X)	FirstClassOrCharterTravelInd
Travel For Companions	Yes (X)	TravelForCompanionsInd
Discretionary Spending Acct	Yes (X)	DiscretionarySpendingAcctInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
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 (4 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
ROGER MICHAELIS
PRESIDENT/CEO	$275,096	$0	$87,032	$0	$0	$0	$0	$0	$24,449	$0	$386,577	$0	$0	$0
DEWAYNE LEDBETTER
CFO/SVP FINANCE	$129,740	$0	$2,059	$0	$0	$0	$24,542	$0	$6,110	$0	$162,451	$0	$0	$0
RANDY SWANSON
FINANCIAL INVESTMENTS MANAGER	$45,126	$0	$114,641	$0	$0	$0	$621	$0	$6,110	$0	$166,498	$0	$0	$0
ED TURK
EVP/COO	$148,200	$0	$4,207	$0	$0	$0	$27,775	$0	$6,110	$0	$186,292	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART I, LINE 1A	THESE BENEFITS ARE PROVIDED TO THE CEO AS PART OF HIS EMPLOYMENT AGREEMENT.
PART I, LINE 4B	ROGER MICHAELIS, ED TURK, DEWAYNE LEDBETTER AND DANETTE LACHAPELLE PARTICIPATED IN A SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN. THERE WERE NO CONTRIBUTIONS OR DISTRIBUTIONS DURING 2013.

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 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	THE CREDIT UNION MEMBERS ELECT MEMBERS OF THE GOVERNING BODY.
FORM 990, PART VI, SECTION A, LINE 7B	DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL BY MEMBERS AND REGULATORS.
FORM 990, PART VI, SECTION B, LINE 11	FORM 990 IS REVIEWED BY THE CFO PRIOR TO FILING.
FORM 990, PART VI, SECTION B, LINE 12C	THE CREDIT UNION HAS A CONFLICT OF INTEREST POLICY, AND EMPLOYEES AND VOLUNTEERS (BOARD MEMBERS) ANNUALLLY ACKNOWLEDGE THEY COMPLY WITH ALL CREDIT UNION POLICIES. THE CONFLICT OF INTEREST POLICY OUTLINES STEPS TAKEN BY OFFICIALS WHEN A CONFLICT ARISES, WHICH INCLUDE THE CONFLICTED PARTY ABSTAINING FROM A RELATED VOTING ITEM. EMPLOYEES ARE NOT ALLOWED TO RECEIVE A PERSONAL BENEFIT FROM ANY TRANSACTION WITH A VENDOR, CUSTOMER OR SUPPLIER DOING BUSINESS WITH THE CREDIT UNION.
FORM 990, PART VI, SECTION B, LINE 15	CEO SALARY IS DETERMINED BY THE EXECUTIVE COMMITTEE OF THE BOARD AND COMMITTEE MINUTES ARE KEPT. TOP MANAGEMENT SALARY IS DETERMINED BY THE CEO USING A THIRD PARTY VENDOR FOR COMPARABILITY.
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:	OTHER COMPREHENSIVE INCOME (LOSS) 388,688.

Schedule R IRS990ScheduleR

Id Related Tax Exempt Org IdRelatedTaxExemptOrgGrp

Disregarded Entity Name DisregardedEntityName

Field	Value	IRS element (for citing)
Business Name Line1	IQ FOR KIDS	BusinessNameLine1

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 1739	AddressLine1
City	VANCOUVER	City
State	WA	State
ZIP Code	98668	ZIPCode

Field	Value	IRS element (for citing)
EIN	203988310	EIN
Primary Activities	FUNDRAISING TO SUPPORT CHILDREN'S CHARITIES	PrimaryActivitiesTxt
Legal Domicile State	WA	LegalDomicileStateCd
Exempt Code Section	501(C)(3)	ExemptCodeSectionTxt
Public Charity Status	509(A)(1)	PublicCharityStatusTxt

Direct Controlling Entity Name DirectControllingEntityName

Field	Value	IRS element (for citing)
Business Name Line1	IQ CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Controlled Organization	Yes (1)	ControlledOrganizationInd

Id Related Org Txbl Corp Tr IdRelatedOrgTxblCorpTrGrp

Related Organization Name RelatedOrganizationName

Field	Value	IRS element (for citing)
Business Name Line1	CLARK FINANCIAL SERVICES INC	BusinessNameLine1

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 1846	AddressLine1
City	VANCOUVER	City
State	WA	State
ZIP Code	98668	ZIPCode

Field	Value	IRS element (for citing)
EIN	911253818	EIN
Primary Activities	SERVICE ORG PROVIDING INSURANCE PRODUCTS TO CREDIT UNION MEMBERS	PrimaryActivitiesTxt
Legal Domicile State	WA	LegalDomicileStateCd

Direct Controlling Entity Name DirectControllingEntityName

Field	Value	IRS element (for citing)
Business Name Line1	IQ CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Entity Type	C	EntityTypeTxt
Share Of Total Income	-$16,373	ShareOfTotalIncomeAmt
Share Of EOY Assets	$850,955	ShareOfEOYAssetsAmt
Ownership	1.00000	OwnershipPct
Controlled Organization	Yes (1)	ControlledOrganizationInd

Field	Value	IRS element (for citing)
Receipt Of Int Annts Rnts Rylts	0	ReceiptOfIntAnntsRntsRyltsInd
Gift Grnt Or Cap Contri To Oth Org	0	GiftGrntOrCapContriToOthOrgInd
Gift Grnt Cap Contri From Oth Org	0	GiftGrntCapContriFromOthOrgInd
Loans Or Guarantees To Other Org	Yes (1)	LoansOrGuaranteesToOtherOrgInd
Loans Or Guarantees From Oth Org	0	LoansOrGuaranteesFromOthOrgInd
Div Related Organization	0	DivRelatedOrganizationInd
Asset Sale To Other Org	0	AssetSaleToOtherOrgInd
Asset Purchase From Other Org	0	AssetPurchaseFromOtherOrgInd
Asset Exchange	0	AssetExchangeInd
Rental Of Facilities To Oth Org	0	RentalOfFacilitiesToOthOrgInd
Rental Of Fclts From Oth Org	0	RentalOfFcltsFromOthOrgInd
Perform Of Services For Oth Org	Yes (1)	PerformOfServicesForOthOrgInd
Perform Of Services By Other Org	0	PerformOfServicesByOtherOrgInd
Sharing Of Facilities	Yes (1)	SharingOfFacilitiesInd
Paid Employees Sharing	Yes (1)	PaidEmployeesSharingInd
Reimbursement Paid To Other Org	0	ReimbursementPaidToOtherOrgInd
Reimbursement Paid By Other Org	Yes (1)	ReimbursementPaidByOtherOrgInd
Transfer To Other Org	0	TransferToOtherOrgInd
Transfer From Other Org	0	TransferFromOtherOrgInd

Transactions Related Org TransactionsRelatedOrgGrp

Other Organization Name OtherOrganizationName

Field	Value	IRS element (for citing)
Business Name Line1	CLARK FINANCIAL SERVICES INC	BusinessNameLine1

Field	Value	IRS element (for citing)
Transaction Type	Q	TransactionTypeTxt
Involved	$88,598	InvolvedAmt
Method Of Amount Determination	FMV	MethodOfAmountDeterminationTxt