2013-03-19T17:22:01-05:00 2012-12-31 810272932 GALUSHA HIGGINS & GALUSHA PC PO BOX 1699 HELENA MT 596241699 990 2012-01-01 810283608 ROCKY MOUNTAIN CREDIT UNION ROCK 4064471102 3400 NORTH MONTANA HELENA MT 59601 EDWARD STOFKO 4064471102 2013-03-08 1 RYAN D LINDSAY CPA P00815630 4064425520 2013-03-07 2012 2016-02-25 16:41:14Z EDWARD STOFKO 3400 N MONTANA AVE HELENA MT 59602 7098669 0 X WWW.RMCU.NET X 1940 MT PARTNERING WITH OUR MEMBERS TO IMPROVE THE QUALITY OF THEIR LIVES BY PROVIDING A SECURE AND SERVICE-FOCUSED CREDIT UNION THAT BUILDS TRUST AND RESPECT. 7 7 63 7 0 0 0 0 7070082 6903106 -21984 -81118 0 0 7048098 6821988 0 0 593423 546553 2495175 2598405 0 0 0 3326264 2858893 6414862 6003851 633236 818137 126683510 135998047 1360076 2289114 125323434 133708933 PARTNERING WITH OUR MEMBERS TO IMPROVE THE QUALITY OF THEIR LIVES BY PROVIDING A SECURE AND SERVICE-FOCUSED CREDIT UNION THAT BUILDS TRUST AND RESPECT. 0 0 6003851 6903106 AS A MEMBER OWNED, FINANCIAL COOPERATIVE, THE CREDIT UNION SERVED MORE THAN 11,000 PRIMARILY MONTANA RESIDENTS WITH A WIDE VARIETY OF FINANCIAL SERVICES. ADDITIONAL SERVICES PROVIDED INCLUDED COUNSELING, FINANCIAL EDUCATION, NEWSLETTERS, DEPOSIT AND LOAN INSURANCE PROTECTION,AND CONSUMER INFORMATION. THE CREDIT UNION PROVIDED SETTLEMENT, CORRESPONDENCE, INVESTMENT, LOAN EDUCATION, AND OTHER SERVICES TO ITS MEMBERS. 6003851 0 0 0 0 0 0 0 0 0 1 0 0 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 1 1947 0 63 0 0 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 0 0 0 1 1 1 1 0 0 1 0 0 MT X MATT STOLLE 4064471102 3400 NORTH MONTANA HELENA MT 59601 KRISTIN BOUCHARD 2.00 X X 0 0 0 MARK BAUM 2.00 X X 0 0 0 LYLE MANLEY 2.00 X X 0 0 0 RUSS PETERSON 2.00 X X 0 0 0 JOSH KNOEDLER 2.00 X 0 0 0 TIM BOTTENFIELD 2.00 X 0 0 0 NICK HOPKINS 2.00 X 0 0 0 ED STOFKO 40.00 X 147863 0 24165 MATT STOLLE 40.00 X 97027 0 21249 244890 0 45414 1 0 1 0 MOMENTUM INC 2120 MARKET STREET SUITE 100 CAMP HILL PA 17011 MANAGEMENT CONSULTING 1162490 ELAN FINANCIAL SERVICES 4325 17TH AVE S FARGO ND 581256200 ATM & DEBIT SERVICES 216079 NEW WEST HEALTH SERVICES 130 NEILL AVE HELENA MT 59601 HEALTHCARE PROVIDER 183162 DIEBOLD INCORPORATED 5995 MAYFAIR RD NORTH CANTON OH 44720 SECURITY SYSTEM SERVICES 156462 JACK HENRY & ASSOCIATES 663 W HIGHWAY 60/PO BOX 807 MONETT MO 657088215 INFORMATION PROCESSING SERVICES 142028 5 LOAN INCOME 522100 4777206 4777206 FEES AND CHARGES 522100 1627238 1627238 INCOME FROM INVESTMENT 522100 468662 468662 OTHER INCOME 522100 30000 30000 6903106 14875 180688 0 276681 14875 -95993 -81118 -81118 6821988 6821988 0 0 546553 244890 1646852 136211 396470 173982 19619 24885 370879 210268 143249 273505 93740 403770 PROVISION-LOAN LOSSES 382000 ATM AND BANK CHARGES 300093 LOAN SERVICING 143828 EDUCATION EXPENSE 135165 357892 6003851 9463633 8678773 20557000 22810000 82570459 92443865 100878 193680 743445 833897 10469062 2974619 6363190 7494443 4640440 3230305 2244465 313084 126683510 135998047 1360076 2289114 1360076 2289114 X 110882548 118480464 0 0 14440886 15228469 125323434 133708933 126683510 135998047 X 818137 -30554 7597916 X X 0 1 X 1 0 2134270 2134270 6038187 1540676 4497511 1843 1843 2294762 1433943 860819 7494443 6821988 0 6821988 0 6821988 6003851 0 6003851 0 6003851 X 1 1 X X 0 0 0 ED STOFKO 147863 0 0 0 0 0 13523 0 10642 0 172028 0 132123 0 PART I, LINE 3 THE CEO'S COMPENSATION IS DETERMINED BY THE COMPENSATION COMMITTEE AND APPROVED BY THE BOARD. KRISTEN BOUCHARD VISA X 3500 0 0 0 1 MICHAEL KARLS VISA X 0 0 0 0 1 STEVE SENDON HOME EQUITY X 30000 29975 0 0 1 STEVE SENDON VISA X 15000 11087 0 0 1 EDWARD STOFKO OVERDRAFT X 2500 0 0 0 1 EDWARD STOFKO VISA X 26000 13750 0 1 1 MATTHEW STOLLE OVERDRAFT X 1000 400 0 0 1 MATTHEW STOLLE SIGNATURE X 12500 0 0 0 1 MATTHEW STOLLE VISA X 10000 66 0 0 1 ZACHARY TONDRE HOME EQUITY X 60000 0 0 1 ZACHARY TONDRE VISA X 15000 1700 0 0 1 DEAN OLSEN VEHICLE X 5247 5247 0 0 1 DEAN OLSEN VISA X 10000 346 0 0 1 STEVE SENDON SIGNATURE X 2392 2392 0 0 1 TREASURE CANYON INVESTMENTS LLC COMMERCIAL REAL ESTATE X 63303 63303 0 0 1 TREASURE CANYON INVESTMENTS LLC COMMERCIAL REAL ESTATE X 65414 65414 0 0 1 193680 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION PROVIDES FINANCIAL SERVICES TO ITS MEMBERS. THE PRIMARY SOURCE OF REVENUE IS FROM INTEREST ON REAL ESTATE AND CONSUMER LOANS TO MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A AN ANNUAL MEETING OF MEMBERS IS HELD WITHIN 200 DAYS AFTER THE CLOSE OF THE FISCAL YEAR. AT ALL MEETINGS, IRRESPECTIVE OF THE NUMBER OF SHARES HELD BY THE MEMBER, NO MEMBER SHALL HAVE MORE THAN ONE VOTE AND THERE IS NO VOTING BY PROXY. FORM 990, PART VI, SECTION A, LINE 7B DISSOLUTION IS SUBJECT TO THE APPROVAL OF MEMBERSHIP. FORM 990, PART VI, SECTION A, LINE 8B EACH COMMITTEE DOES NOT HAVE AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11 THE FORM 990 WILL BE REVIEWED AND APPROVED BY THE BOARD OF DIRECTORS BEFORE FILING. FORM 990, PART VI, SECTION B, LINE 12C THE BOARD REGULARLY AND CONSISTENTLY MONITORS AND ENFORCES COMPLIANCE WITH ITS CONFICT OF INTEREST POLICY AND TAKES ACTION IMMEDIATELY WHEN CONFLICTS ARISE. FORM 990, PART VI, SECTION B, LINE 15A THREE BOARD MEMBERS ON THE CEO COMPENSATION COMMITTEE DETERMINE THE PRESIDENT/CEO'S PAY. THE BOARD IS VOLUNTEER WITHOUT COMPENSATION. THE PRESIDENT/CEO DETERMINES THE OFFICERS' AND EMPLOYEES' PAY. FORM 990, PART VI, SECTION C, LINE 18 THE GENERAL PUBLIC IS ALLOWED TO VIEW THE FORM 990 AND ORGANIZATIONAL DOCUMENTS UPON REQUEST. FORM 990, PART VI, SECTION C, LINE 19 THE GENERAL PUBLIC IS ALLOWED TO VIEW THE FORM 990 AND ORGANIZATIONAL DOCUMENTS UPON REQUEST. CHANGES IN NET ASSETS OR FUND BALANCES: FORM 990, PART XI, LINE 9: INCREASE IN MEMBERS' SHARE AND SAVINGS ACCOUNT 7,597,916. THE PROCESS HAS REMAINED CONSISTENT WITH THE PRIOR YEAR.