ONPOINT COMMUNITY CREDIT UNION: Form 990, tax year 2011

View the entire original 990 at ProPublica ↗

Organization: ONPOINT COMMUNITY CREDIT UNION (EIN 93-0257765)
Tax period: 2011-01-01 to 2011-12-31
Filed: 2012-05-15
IRS object ID: 201221369349304722
Schema version: 2011v1.2
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 C
Schedule D
Schedule I
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2012-05-15T13:14:44-05:00	Timestamp
Tax Period End Date	2011-12-31	TaxPeriodEndDate

Preparer Firm PreparerFirm

Field	Value	IRS element (for citing)
EIN	420714325	EIN

Preparer Firm Business Name PreparerFirmBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	MCGLADREY LLP	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	515 S FLOWER STREET 41ST FLOOR	AddressLine1
City	LOS ANGELES	City
State	CA	State
ZIP Code	90071	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnType
Tax Period Begin Date	2011-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	930257765	EIN

Name Name

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

Field	Value	IRS element (for citing)
Name Control	ONPO	NameControl
Phone	5032731764	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 3750	AddressLine1
City	PORTLAND	City
State	OR	State
ZIP Code	972083750	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	JAMES HUNT	Name
Title	SVP/CHIEF FINANCIAL OFFICER	Title
Phone	5032731764	Phone
Date Signed	2012-05-11	DateSigned
Authorize Third Party	1	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	JAMES P SWEENEY	Name
PTIN	P01263012	PTIN
Phone	2133304800	Phone

Field	Value	IRS element (for citing)
Tax Year	2011	TaxYear
Build TS	2016-02-24 21:20:13Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Name Of Principal Officer Person	ROBERT STUART	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	PO BOX 3750	AddressLine1
City	PORTLAND	City
State	OR	State
ZIP Code	972083750	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	409449444	GrossReceipts
Group Return For Affiliates	0	GroupReturnForAffiliates
Organization501c	X	Organization501c
Web Site	WWW.ONPOINTCU.COM	WebSite
Type Of Organization Corporation	X	TypeOfOrganizationCorporation
Year Formation	1932	YearFormation
State Legal Domicile	OR	StateLegalDomicile
Activity Or Mission Description	PROMOTE THE FINANCIAL WELL-BEING OF CREDIT UNION MEMBERS THROUGH FINANCIAL PRODUCTS AND SERVICES.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	7	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	7	NbrIndependentVotingMembers
Total Nbr Employees	536	TotalNbrEmployees
Total Nbr Volunteers	0	TotalNbrVolunteers
Total Gross UBI	2353270	TotalGrossUBI
Net Unrelated Business Txbl Income	-1681596	NetUnrelatedBusinessTxblIncome
Contributions Grants Prior Year	0	ContributionsGrantsPriorYear
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	139760844	ProgramServiceRevenuePriorYear
Program Service Revenue CY	127961919	ProgramServiceRevenueCY
Investment Income Prior Year	12149424	InvestmentIncomePriorYear
Investment Income Current Year	12725951	InvestmentIncomeCurrentYear
Other Revenue Prior Year	0	OtherRevenuePriorYear
Other Revenue Current Year	0	OtherRevenueCurrentYear
Total Revenue Prior Year	151910268	TotalRevenuePriorYear
Total Revenue Current Year	140687870	TotalRevenueCurrentYear
Grants And Similar Amnts Prior Year	9000	GrantsAndSimilarAmntsPriorYear
Grants And Similar Amnts CY	10000	GrantsAndSimilarAmntsCY
Benefits Paid To Members Prior Year	31741243	BenefitsPaidToMembersPriorYear
Benefits Paid To Members CY	20827200	BenefitsPaidToMembersCY
Salaries Etc Prior Year	33940348	SalariesEtcPriorYear
Salaries Etc Current Year	37834441	SalariesEtcCurrentYear
Total Prof Fundrsng Exp Prior Year	0	TotalProfFundrsngExpPriorYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	72348064	OtherExpensePriorYear
Other Expenses Current Year	57783933	OtherExpensesCurrentYear
Total Expenses Prior Year	138038655	TotalExpensesPriorYear
Total Expenses Current Year	116455574	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	13871613	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	24232296	RevenuesLessExpensesCY
Total Assets BOY	2841312936	TotalAssetsBOY
Total Assets EOY	3031046359	TotalAssetsEOY
Total Liabilities BOY	2564883007	TotalLiabilitiesBOY
Total Liabilities EOY	2727649439	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	276429929	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	303396920	NetAssetsOrFundBalancesEOY
Info In Schedule O Part III	X	InfoInScheduleOPartIII
Mission Description	THE PURPOSE OF ONPOINT IS TO PROMOTE THE FINANCIAL WELL-BEING OF OUR MEMBERS BY BEING THE PREFERRED PROVIDER OF CONSUMER PRODUCTS AND SERVICES AND TO ENSURE THE SAFETY AND SOUNDNESS OF OUR CREDIT UNION.	MissionDescription
Significant New Program Services	1	SignificantNewProgramServices
Significant Change	0	SignificantChange
Description	IN 2011 MEMBERSHIP IN THE CREDIT UNION GREW TO 230,748 MEMBERS. ONPOINT COMMUNITY CREDIT UNION PROVIDED THE MEMBERSHIP WITH FINANCIAL SERVICES WHICH INCLUDES INSURANCE PRODUCTS, 142,870 LOANS AND 503,107 DEPOSIT ACCOUNTS TO MEMBERS AT COMPETITIVE RATES.	Description
Described In501 C3	0	DescribedIn501C3
Schedule B Required	0	ScheduleBRequired
Political Activities	1	PoliticalActivities
Donor Advised Funds	0	DonorAdvisedFunds
Conservation Easements	0	ConservationEasements
Collections Of Art	0	CollectionsOfArt
Credit Counseling	1	CreditCounseling
Term Or Permanent Endowments	0	TermOrPermanentEndowments
Report Land Bldg Equip	1	ReportLandBldgEquip
Report Invest Oth Securities	0	ReportInvestOthSecurities
Report Prog Rel Invest	0	ReportProgRelInvest
Report Other Assets	0	ReportOtherAssets
Report Other Liabilities	1	ReportOtherLiabilities
Report Fin48 Footnote	1	ReportFin48Footnote
Independent Audit Financial Stmt	1	IndependentAuditFinancialStmt
Consolidated Audit Financial Stmt	0	ConsolidatedAuditFinancialStmt
School	0	School
Foreign Office	0	ForeignOffice
Foreign Activities	0	ForeignActivities
More Than5000 K To Organizations	0	MoreThan5000KToOrganizations
More Than5000 K To Individuals	0	MoreThan5000KToIndividuals
Professional Fundraising	0	ProfessionalFundraising
Fundraising Activities	0	FundraisingActivities
Gaming	0	Gaming
Hospital	0	Hospital
Grants To Organizations	0	GrantsToOrganizations
Grants To Individuals	1	GrantsToIndividuals
Schedule J Required	1	ScheduleJRequired
Tax Exempt Bonds	0	TaxExemptBonds
Loan To Officer Or DQP	0	LoanToOfficerOrDQP
Grant To Related Person	0	GrantToRelatedPerson
Bsnss Rltnshp With Organization	0	BsnssRltnshpWithOrganization
Bsnss Rltnshp Thru Family Member	0	BsnssRltnshpThruFamilyMember
Officer Entity With Bsnss Rltnshp	0	OfficerEntityWithBsnssRltnshp
Deductible Non Cash Contributions	0	DeductibleNonCashContributions
Deductible Contributions Of Art	0	DeductibleContributionsOfArt
Terminated	0	Terminated
Partial Liquidation	0	PartialLiquidation
Disregarded Entity	0	DisregardedEntity
Related Entity	0	RelatedEntity
Related Org Controlled Entity	0	RelatedOrgControlledEntity
Transaction Related Entity	0	TransactionRelatedEntity
Activities Conducted Partnership	0	ActivitiesConductedPartnership
Schedule O Required	1	ScheduleORequired
Number Forms Transmitted With1096	53645	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	1	ComplianceWithBackupWitholding
Number Of Employees	536	NumberOfEmployees
Employment Tax Returns Filed	1	EmploymentTaxReturnsFiled
Unrelated Business Income	1	UnrelatedBusinessIncome
Form990-T Filed	1	Form990-TFiled
Foreign Financial Account	0	ForeignFinancialAccount
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTrans
Taxable Party Notification	0	TaxablePartyNotification
Non Deductible Contributions	0	NonDeductibleContributions
Indoor Tanning Services	0	IndoorTanningServices
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	7	NbrVotingGoverningBodyMembers
Number Independent Voting Members	7	NumberIndependentVotingMembers
Family Or Business Relationship	0	FamilyOrBusinessRelationship
Delegation Of Management Duties	0	DelegationOfManagementDuties
Changes To Organizing Docs	0	ChangesToOrganizingDocs
Material Diversion Or Misuse	0	MaterialDiversionOrMisuse
Members Or Stockholders	1	MembersOrStockholders
Election Of Board Members	1	ElectionOfBoardMembers
Decisions Subject To Approval	1	DecisionsSubjectToApproval
Minutes Of Governing Body	1	MinutesOfGoverningBody
Minutes Of Committees	1	MinutesOfCommittees
Officer Mailing Address	0	OfficerMailingAddress
Local Chapters	1	LocalChapters
Policies Reference Chapters	1	PoliciesReferenceChapters
Form990 Provided To Governing Body	1	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	1	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	1	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	1	RegularMonitoringEnforcement
Whistleblower Policy	1	WhistleblowerPolicy
Document Retention Policy	1	DocumentRetentionPolicy
Compensation Process CEO	1	CompensationProcessCEO
Compensation Process Other	0	CompensationProcessOther
Investment In Joint Venture	0	InvestmentInJointVenture
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Name Business NameBusiness

Field	Value	IRS element (for citing)
Business Name Line1	VERONICA ERVIN CONTROLLER	BusinessNameLine1

Field	Value	IRS element (for citing)
Telephone Number	5032731718	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	2701 NW VAUGHN ST SUITE 800	AddressLine1
City	PORTLAND	City
State	OR	State
ZIP Code	97210	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (19 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	OfficerOfficer	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	Key EmployeeKeyEmployee	Highest Compensated EmployeeHighestCompensatedEmployee
M SCALLY
BOD SECRETARY	4.00	X	X	0	0	0
W PEDERSON
BOD VICE CHAIR	8.00	X	X	0	0	0
C HARMS
DIRECTOR	4.00	X		0	0	0
K MORRIS
DIRECTOR	4.00	X		0	0	0
L JOHNSON
DIRECTOR	4.00	X		1854	0	0
S NICHOLSON
DIRECTOR	4.00	X		4975	0	0
L SCHULWITZ
BOD CHAIR	8.00	X	X	0	0	0
R STUART
PRESIDENT	50.00		X	1942361	0	680675
J HUNT
SVP/CFO	45.00		X	453987	0	248609
G LAWRENCE
SVP/CHIEF RISK OFFICER	45.00		X	351168	0	194949
F NAMDAR
SVP/CHIEF RISK OFFICER	40.00		X	90309	0	4284
J ARMSTRONG
SVP/HUMAN RESOURCES	45.00			358955	0	266425	X
T MCVAY
SVP/RETAIL DELIVERY	45.00			534863	0	367027	X
K SCHRADER
SVP/MARKETING & MEMBER SER	45.00			389672	0	255351	X
V ERVIN
VP/CONTROLLER	45.00			155030	0	134463		X
C MILAM
VP/MEMBER SERVICES	45.00			129377	0	146462		X
E PRATT
VP/BRANCH MANAGER	45.00			131381	0	94738		X
S NELSON
INVESTMENT REPRESENTATIVE	45.00			160917	0	23170		X
M VOLK
INVESTMENT REPRESENTATIVE	45.00			225254	0	37812		X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	4930103	TotalReportableCompFromOrg
Total Reportable Comp Frm Rltd Orgs	0	TotalReportableCompFrmRltdOrgs
Total Other Compensation	2453965	TotalOtherCompensation
Number Individuals GT100 K	26	NumberIndividualsGT100K
Formers Listed	0	FormersListed
Total Comp GT150 K	1	TotalCompGT150K
Compensation From Other Sources	0	CompensationFromOtherSources

Contractor Compensation ContractorCompensation (5 entries)

Address Line1AddressOfContractor/AddressUS/AddressLine1	CityAddressOfContractor/AddressUS/City	StateAddressOfContractor/AddressUS/State	ZIP CodeAddressOfContractor/AddressUS/ZIPCode	Description Of ServicesDescriptionOfServices	CompensationCompensation
DIEBOLD GLOBAL FINANCE CORPORATION
PO BOX 643955	PITTSBURGH	PA	152644399	ATM SERVICE/SUPPORT	4520947
PROVIDENCE HEALTH PLANS OF OREGON
PO BOX 5728	PORTLAND	OR	972285728	EMPLOYEE HEALTH INSURANCE	3762920
WEBER MARKETING GROUP
225 TERRY AVE N SUITE 400	SEATTLE	WA	98109	MRKTNG/PROMOTIONAL	3675700
DIGITAL INSIGHT CORPORATION
PO BOX 515306	LOS ANGELES	CA	900516606	ONLINE BANKING SERVICES	1858930
FISERV
75 REMITTANCE DR SUITE 1698	CHICAGO	IL	606751698	STATEMENT PROCESSING	1263388

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	54	NumberOfContractorsGT100K

Program Service Revenue ProgramServiceRevenue (4 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	Unrelated Business RevenueUnrelatedBusinessRevenue
INTEREST MEMBER LOANS	522100	96200227	96200227
INTERCHANGE INCOME	522100	13857990	13857990
SERVICE FEES	522100	10081603	9878768	202835
OTHER OPERATING INCOME	522100	7822099	5671664	2150435

Field	Value	IRS element (for citing)
Total Program Service Revenue	127961919	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	12204027	TotalRevenueColumn
Exclusion	$12,204,027	ExclusionAmount

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Securities	269273234	Securities
Other	10264	Other

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Securities	268748519	Securities
Other	13055	Other

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Securities	524715	Securities
Other	-2791	Other

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	521924	TotalRevenueColumn
Exclusion	$521,924	ExclusionAmount

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	140687870	TotalRevenueColumn
Related Or Exempt Function Income	125608649	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	2353270	UnrelatedBusinessRevenue
Exclusion	$12,725,951	ExclusionAmount

Grants To Domestic Individuals GrantsToDomesticIndividuals

Field	Value	IRS element (for citing)
Total	10000	Total

Benefits To Members BenefitsToMembers

Field	Value	IRS element (for citing)
Total	20827200	Total

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	7235977	Total

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	21122216	Total

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	1688285	Total

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	5409892	Total

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	2378071	Total

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	509946	Total

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	127761	Total

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	14362715	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	5407472	Total

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	6215796	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	5118310	Total

Travel Travel

Field	Value	IRS element (for citing)
Total	304614	Total

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	341160	Total

Interest Interest

Field	Value	IRS element (for citing)
Total	2100950	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	2205874	Total

Insurance Insurance

Field	Value	IRS element (for citing)
Total	516633	Total

Other Expenses OtherExpenses (3 entries)

DescriptionDescription	TotalTotal
PROVISION FOR LOAN LOSS	10969600
TCCUSF ASSESSMENT	6278012
OTHER EXPENSES	3325090

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	116455574	Total

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	81128090	BOY
EOY	135558026	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	127462459	BOY
EOY	74834832	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	8215976	BOY
EOY	8008838	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	1954498602	BOY
EOY	1869629022	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	2017812	BOY
EOY	2123366	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	29261299	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	23766217	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	5315234	BOY
EOY	5495082	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	553511361	BOY
EOY	842780057	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
BOY	96789852	BOY
EOY	36464645	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	12373550	BOY
EOY	56152491	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	2841312936	BOY
EOY	3031046359	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	30573225	BOY
EOY	38289061	EOY

Deferred Revenue DeferredRevenue

Field	Value	IRS element (for citing)
BOY	231228	BOY
EOY	212004	EOY

Escrow Account Liability EscrowAccountLiability

Field	Value	IRS element (for citing)
BOY	522943	BOY
EOY	662661	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	2533555611	BOY
EOY	2688485713	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	2564883007	BOY
EOY	2727649439	EOY

Field	Value	IRS element (for citing)
Do Not Follow SFAS117	X	DoNotFollowSFAS117

Cap Stck Trst Prin Current Funds CapStckTrstPrinCurrentFunds

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Paid In Cap Srpls Land Bldg Eqp Fund PaidInCapSrplsLandBldgEqpFund

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc

Field	Value	IRS element (for citing)
BOY	276429929	BOY
EOY	303396920	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	276429929	BOY
EOY	303396920	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	2841312936	BOY
EOY	3031046359	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	24232296	ReconcilationRevenueExpenses
Reconcilation Other Changes	2734695	ReconcilationOtherChanges
Info In Schedule O Part XII	X	InfoInScheduleOPartXII
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	0	AccountantCompileOrReview
FS Audited	1	FSAudited
Audit Committee	1	AuditCommittee
Financial Statement Separate	X	FinancialStatementSeparate
Federal Grant Audit Required	0	FederalGrantAuditRequired

Schedule C IRS990ScheduleC

Field	Value	IRS element (for citing)
Political Expenditures	25000	PoliticalExpenditures
Volunteer Hours	0	VolunteerHours
Amt Of Internal Funds Contributed	25000	AmtOfInternalFundsContributed
Total Exmpt Function Expenditures	25000	TotalExmptFunctionExpenditures
Form1120 Pol Filed	1	Form1120PolFiled

Sec527 Pol Orgs Sec527PolOrgs

Name Of527 Organization NameOf527Organization

Field	Value	IRS element (for citing)
Business Name Line1	CU LEGISLATIVE ACTION FUND	BusinessNameLine1

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	8205 SW CREEKSIDE PL SUITE 220	AddressLine1
City	BEAVERTON	City
State	OR	State
ZIP Code	97008	ZIPCode

Field	Value	IRS element (for citing)
EIN	930953356	EIN
Amt Pd From Internal Funds	25000	AmtPdFromInternalFunds

Form990 Schedule C Part IV Form990ScheduleCPartIV

Field	Value	IRS element (for citing)
Identifier	ORGANIZATIONS DIRECT AND INDIRECT POLITICAL CAMPAIGN ACTIVITIES:	Identifier
Return Reference	PART I-A, LINE 1:	ReturnReference
Explanation	THE CONTRIBUTION WAS TO THE CREDIT UNION LEGISLATIVE ACTION FUND, WHICH ENHANCES CREDIT UNIONS' VISIBILITY AMONG LAWMAKERS AND BUILDS STRONG POLITICAL RELATIONSHIPS. .	Explanation

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	0	AgentTrusteeEtc
Included On FS	1	IncludedOnFS

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	1082980	OtherCostOrOtherBasis
Book Value	1082980	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	1953591	OtherCostOrOtherBasis
Depreciation	1492808	Depreciation
Book Value	460783	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	11222868	OtherCostOrOtherBasis
Depreciation	9568923	Depreciation
Book Value	1653945	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	15001860	OtherCostOrOtherBasis
Depreciation	12704486	Depreciation
Book Value	2297374	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	5495082	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities (6 entries)

DescriptionDescription	AmountAmount
SAVINGS	$283,826,169
CHECKING	$465,307,959
MONEY MARKET ACCOUNTS	$937,990,804
INDIVIDUAL RETIREMENT ACCOUNTS (IRA)	$226,106,354
BORROWINGS	$43,000,000
CERTIFICATES OF DEPOSIT	$732,254,427

Field	Value	IRS element (for citing)
Total Of Amounts	2688485713	TotalOfAmounts
Total Revenue	140687870	TotalRevenue
Total Expenses	116455574	TotalExpenses
Excess Or Deficit For Year	24232296	ExcessOrDeficitForYear
Net Unrealized GL On Investments	2734695	NetUnrealizedGLOnInvestments
Total Adjustments	2734695	TotalAdjustments
Excess Or Deficit Per FS	26966991	ExcessOrDeficitPerFS
Tot Revenue Etc Audited Fincl Stmt	140505061	TotRevenueEtcAuditedFinclStmt
Net Unrealized Gains Investments	-182809	NetUnrealizedGainsInvestments
Revenue Not Rptd F990	-182809	RevenueNotRptdF990
Revenue Subtotal	140687870	RevenueSubtotal
Revenue Not Rptd On Fin Stmt	0	RevenueNotRptdOnFinStmt
Total Revenue Per Form990	140687870	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	116455574	TotExpensesEtcAuditedFinclStmt
Expenses Not Rptd F990	0	ExpensesNotRptdF990
Expenses Subtotal	116455574	ExpensesSubtotal
Expenses Not Rptd On Fin Stmt	0	ExpensesNotRptdOnFinStmt
Total Expenses Per Form990	116455574	TotalExpensesPerForm990

Form990 Schedule D Part XIV Form990ScheduleDPartXIV (2 entries)

Return ReferenceReturnReference	ExplanationExplanation	IdentifierIdentifier
PART IV, LINE 2B:	THE FUNDS ONPOINT COLLECTS FOR TAXES AND INSURANCE ON BEHALF OF ITS MEMBERS ARE HELD IN AN ESCROW ACCOUNT AND INCLUDED WITHIN THE BALANCE SHEET.
PART X:	FASB CODIFICATION TOPIC 740, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED, AND PRESENTED IN THE FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE MORE LIKELY THAN NOT TO BE SUSTAINED "WHEN CHALLENGED" OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS NOT DEEMED TO MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEARS ENDED DECEMBER 31, 2011 AND 2010, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS.	DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Records Maintained	1	RecordsMaintained

Form990 Schedule I Part III Form990ScheduleIPartIII

Field	Value	IRS element (for citing)
Type Of Grant	SCHOLARSHIP	TypeOfGrant
Number Of Recipients	1	NumberOfRecipients
Amount Of Cash Grant	10000	AmountOfCashGrant
Method Of Valuation	FMV	MethodOfValuation

Form990 Schedule I Part IV Form990ScheduleIPartIV

Field	Value	IRS element (for citing)
Identifier	PROCEDURE FOR MONITORING GRANTS IN THE U.S.:	Identifier
Return Reference	PART I, LINE 2:	ReturnReference
Explanation	SCHEDULE I, PART I, LINE 2: THE RECIPIENT(S) OF THE ANNUAL CLIFFORD C. DIAS LEADERSHIP SCHOLARSHIP ARE SELECTED BY MR. DIAS AND APPROVED BY THE BOARD.	Explanation

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
First Class Or Charter Travel	X	FirstClassOrCharterTravel
Travel For Companions	X	TravelForCompanions
Idemnification Gross Up Payments	X	IdemnificationGrossUpPayments
Club Dues Or Fees	X	ClubDuesOrFees
Personal Services	X	PersonalServices
Written Policy Re T And E Expenses	1	WrittenPolicyReTAndEExpenses
Substantiation Required	1	SubstantiationRequired
Compensation Committee	X	CompensationCommittee
Written Employment Contract	X	WrittenEmploymentContract
Compensation Survey	X	CompensationSurvey
Board Or Committee Approval	X	BoardOrCommitteeApproval
Severance Payment	0	SeverancePayment
Supplemental Nonqual Retire Plan	1	SupplementalNonqualRetirePlan
Equity Based Comp Arrangement	0	EquityBasedCompArrangement

Form990 Schedule J Part II Form990ScheduleJPartII (11 entries)

Base Compensation Filing OrgBaseCompensationFilingOrg	Comp Based On Related OrgsCompBasedOnRelatedOrgs	Bonus Filing OrgBonusFilingOrg	Bonus Related OrgsBonusRelatedOrgs	Other Compensation Filing OrgOtherCompensationFilingOrg	Other Compensation Related OrgsOtherCompensationRelatedOrgs	Deferred Comp Filing OrgDeferredCompFilingOrg	Deferred Comp Related OrgsDeferredCompRelatedOrgs	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrg	Nontaxable Benefits Related OrgsNontaxableBenefitsRelatedOrgs	Total Compensation Filing OrgTotalCompensationFilingOrg	Total Compensation Related OrgsTotalCompensationRelatedOrgs	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrg	Comp Report Prior990 Related OrgsCompReportPrior990RelatedOrgs
R STUART
560000	0	502686	0	879675	0	673574	0	7101	0	2623036	0	750000	0
J HUNT
248667	0	199338	0	5982	0	233216	0	15393	0	702596	0	0	0
G LAWRENCE
165544	0	143026	0	42598	0	187848	0	7101	0	546117	0	0	0
J ARMSTRONG
197025	0	156297	0	5633	0	251032	0	15393	0	625380	0	0	0
T MCVAY
277833	0	227235	0	29795	0	351634	0	15393	0	901890	0	0	0
K SCHRADER
213752	0	162238	0	13682	0	248250	0	7101	0	645023	0	0	0
V ERVIN
115835	0	36110	0	3085	0	126330	0	8133	0	289493	0	0	0
C MILAM
111607	0	13956	0	3814	0	131069	0	15393	0	275839	0	0	0
E PRATT
107703	0	22872	0	806	0	83058	0	11680	0	226119	0	0	0
S NELSON
0	0	160685	0	232	0	16069	0	7101	0	184087	0	0	0
M VOLK
0	0	225022	0	232	0	22419	0	15393	0	263066	0	0	0

Form990 Schedule J Part III Form990ScheduleJPartIII (2 entries)

Return ReferenceReturnReference

ExplanationExplanation

PART I, LINE 1A

FIRST CLASS TRAVEL - PRESIDENT/CEO, ALL BOD (8 PEOPLE); NOT TAXABLE TO INDIVIDUALS. TRAVEL FOR COMPANIONS - ALL BOD (7 PEOPLE); TAXABLE TO INDIVIDUALS. TAX INDEMNIFICATION AND GROSS-UP - ALL NON-VOLUNTEERS LISTED; TAXABLE TO INDIVIDUALS. HEALTH AND SOCIAL CLUBS - PRESIDENT/CEO; TAXABLE TO INDIVIDUALS. PERSONAL SERVICES - PRESIDENT/CEO AND SELECT SENIOR EXECUTIVES (5 PEOPLE); TAXABLE TO INDIVIDUALS.

PART I, LINE 4B

PART I, LINE 4B: R. STUART - PAID $750,000 PLAN TERMS AND CONDITIONS: THE CEO AND CERTAIN OTHER EMPLOYEES PARTICIPATE IN A SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN (PER INTERNAL REVENUE CODE SEC. 457(F)). IN GENERAL, CONTRIBUTIONS ARE MADE TO THE PLAN EACH YEAR AS A PERCENTAGE OF SALARY AND A PERCENTAGE OF BONUS EARNED FOR THE YEAR. FOR ALL PARTICIPANTS, OTHER THAN THE CEO, AN INTEREST CREDIT RATE IS APPLIED TO EACH PARTICIPANTS BALANCE ANNUALLY. THE CEO'S PLAN BALANCE IS INVESTED SEPARATELY AND REVIEWED ON A PERIODIC BASIS BY AN OVERSIGHT COMMITTEE. THERE ARE CONTRACTED FIXED DOLLAR PAYOUTS WITH EACH INDIVIDUAL AFTER CERTAIN NUMBER OF YEARS OF SERVICE. THE REMAINING BALANCE IN EACH PARTICIPANT'S PLAN IS PAID TO THE INDIVIDUAL AT THE END OF THEIR RESPECTIVE PLAN AFTER ALL PLAN REQUIREMENTS ARE MET.

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (10 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
NEW PROGRAM SERVICES	FORM 990, PART III, LINE 2	IN 2011, ONPOINT BEGAN OFFERING ADDITIONAL INSURANCE PRODUCTS TO ITS MEMBERSHIP.
	FORM 990, PART VI, SECTION A, LINE 6	ONPOINT COMMUNITY CREDIT UNION IS A NATURAL PERSON CREDIT UNION, OWNED BY ITS MEMBERS. AT 12/31/2011 THERE WERE 230,748 MEMBERS IN THE CREDIT UNION.
	FORM 990, PART VI, SECTION A, LINE 7A	THE MEMBERS OF THE CREDIT UNION ELECT THE BOARD OF DIRECTORS FROM A POOL OF CANDIDATES AT THE ANNUAL MEETING. BOARD POSITIONS HAVE STAGGERED RENEWAL DATES IN THREE YEAR TERMS.
	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	INFORMATION FOR THE COMPLETION OF THE TAX RETURN WAS GATHERED BY THE CREDIT UNION'S ACCOUNTING DEPARTMENT. THE ACCOUNTING FIRM, MCGLADREY & PULLEN, LLP, PREPARED THE TAX RETURN AND IT WAS PRESENTED TO THE BOARD OF DIRECTORS PRIOR TO FILING BY MCGLADREY & PULLEN, LLP.
	FORM 990, PART VI, SECTION B, LINE 12C	MONITORING OF THE CONFLICT OF INTEREST POLICY IS CONDUCTED THROUGH AN ANNUAL POLICY REVIEW. STAFF MEMBERS ARE REQUIRED EACH YEAR TO REVIEW, READ, AND SIGN THE CONFLICTS OF INTEREST POLICY. BOARD OF DIRECTORS ANNUALLY ADOPT THE BOARD GOVERNANCE MANUAL, WHICH INCLUDES A CONFLICT OF INTEREST POLICY. AT THE POINT OF A POTENTIAL CONFLICT FOR A BOARD MEMBER, A PEER REVIEW IS CONDUCTED. ENFORCEMENT OF THE CONFLICT OF INTEREST POLICY FOR BOARD MEMBERS AND STAFF IS BASED ON A REVIEW OF POTENTIAL CONFLICTS AND, IF A CONFLICT EXISTS APPROPRIATE MEDIATION OCCURS.
	FORM 990, PART VI, SECTION B, LINE 15A	THE BOARD OF DIRECTORS CONTROLS ALL COMPENSATION OR BENEFIT CHANGES THAT WOULD AFFECT THE PRESIDENT/CEO. ALL CHANGES TO THE PRESIDENT/CEO'S COMPENSATION AND BENEFITS ARE GOVERNED BY AN EMPLOYMENT CONTRACT AND ANY AMENDMENTS TO THE CONTRACT. THE COMPENSATION COMMITTEE REVIEWS THE PRESIDENT/CEO'S COMPENSATION PACKAGE EACH YEAR. THE SALARY SCHEDULE AND BENEFITS PROGRAMS FOR THE PRESIDENT/CEO AND THE EXECUTIVE TEAM ARE TIED TO GEOGRAPHIC STUDIES OF SALARIES AND BENEFITS (SUCH AS THE 2011 NORTHWEST FINANCIAL INDUSTRY SALARY SURVEY, THE CARDWELL CONSULTING 2011 TOP 200 CREDIT UNION CEO AND 2011 TOP 200 SENIOR EXECUTIVE COMPENSATION SURVEYS, AND THE EXECUTIVE COMP SOLUTIONS EXECUTIVE 2011 EMPLOYEE AND EXECUTIVE COMPENSATION AND BENEFITS SURVEY FOR THE CREDIT UNION MOVEMENT) AS PRODUCED BY PROFESSIONAL ORGANIZATIONS WITH EXPERTISE IN THE AREA OF COMPENSATION.
	FORM 990, PART VI, SECTION C, LINE 19	THE ORGANIZATION'S FINANCIAL STATEMENTS, GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE MADE AVAILABLE UPON WRITTEN REQUEST.
CHANGES IN NET ASSETS OR FUND BALANCES:	FORM 990, PART XI, LINE 5:	NET UNREALIZED GAINS ON INVESTMENTS: 2,734,695.
	FORM 990, PART XII, LINE 2C:	THE ORGANIZATION'S PROCESS FOR OVERSEEING THE AUDIT OF THE FINANCIAL STATEMENTS AND THE SELECTION OF AN INDEPENDENT ACCOUNTANT HAS NOT CHANGED FROM PRIOR YEARS.