2012-08-10T15:49:59-05:00 2011-12-31 450250958 EIDE BAILLY LLP 877 W MAIN ST STE 800 BOISE ID 83702 990 2011-01-01 930492535 OREGON COMMUNITY CREDIT UNION OREG 5416842347 2880 CHAD DRIVE EUGENE OR 97408 D AMANDA JONES 5416842347 2012-08-08 1 LEANN M SANNES P01258277 2083447150 2012-08-08 2011 2016-02-24 21:20:13Z D AMANDA JONES 2880 CHAD DRIVE EUGENE OR 97408 56259787 0 X WWW.OREGONCOMMUNITYCU.ORG X 1956 OR THE PURPOSE OF OREGON COMMUNITY CREDIT UNION IS TO ASSIST OUR MEMBERS IN MAKING BENEFICIAL LONG-TERM FINANCIAL DECISIONS BY PROVIDING THEM WITH COMPETITIVE DEPOSIT AND LOAN PRODUCTS. 7 7 288 8 69928 -123157 0 0 48448826 51610044 601999 1073176 8230512 3576567 57281337 56259787 0 0 0 1858833 14831912 15211748 0 0 0 35995363 29582430 50827275 46653011 6454062 9606776 949519750 1038930727 877794097 957598298 71725653 81332429 THE PURPOSE OF OREGON COMMUNITY CREDIT UNION IS TO ASSIST OUR MEMBERS IN MAKING BENEFICIAL LONG-TERM FINANCIAL DECISIONS BY PROVIDING THEM WITH COMPETITIVE DEPOSIT AND LOAN PRODUCTS. 0 0 PROMOTING THE FINANCIAL WELL BEING AND THRIFT OF OVER 100,000 MEMBERS BY PROVIDING LOAN AND SAVING SERVICES AT COMPETITIVE RATES. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 63145 0 1 288 1 1 1 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 1 1 1 0 X RONALD NEUMANN 5416816007 2880 CHAD DRIVE EUGENE OR 97408 ABE KOSSOL 2.00 X X 0 0 0 BEVERLY ANDERSON 2.00 X X 0 0 0 GENEVIEVE PARKER 2.00 X X 0 0 0 JENNIFER LUSHENKO 2.00 X 0 0 0 DOUG WILKINSON 2.00 X 0 0 0 LEE BEYER 2.00 X 0 0 0 TOM LARSON 2.00 X 0 0 0 D AMANDA JONES 40.00 X 332123 0 44595 RONALD NEUMANN 40.00 X 158344 0 18922 RICHARD DWYER 40.00 X 655059 0 53243 EDWARD RUBIN 40.00 X 188210 0 10745 AMY BRADLEY 40.00 X 189665 0 18424 CATHY STOPPEL 40.00 X 173874 0 10043 SCOTT ROOTS 40.00 X 203815 0 11835 1901090 0 167807 7 0 1 0 0 INTEREST ON LOANS/VISA 522100 40223543 40223543 FEES AND CHARGES 522100 5956058 5892530 63528 VISA/ATM INTERCHANGE I 525990 5430443 5430443 51610044 980174 980174 169419 0 169419 169419 169419 93002 0 93002 93002 86602 6400 COMMISSIONS 525990 3217392 3217392 MISC INCOME 525990 189756 189756 3407148 56259787 55209685 69928 980174 1858833 532465 10995748 860172 1521016 1302347 52332 199402 2751064 1953391 1491313 1620705 1103985 76525 50449 8782870 2060200 131519 PROVISION FOR LOAN LOSS 5240552 LOAN SERVICING EXPENSE 2455122 MISCELLANEOUS OPERATING 638716 REPAIRS & MAINTENANCE 410896 563389 46653011 11211649 15164775 66264313 126273668 669294 310322 785508478 828282569 3005741 3541137 35375697 16978583 19604858 18397114 52115856 35443235 11139561 11517907 949519750 1038930727 10449384 13694333 83569 190975 867261144 943712990 877794097 957598298 X 0 0 0 0 71725653 81332429 71725653 81332429 949519750 1038930727 9606776 0 X X 0 0 0 4391814 4391814 13106695 2806131 10300564 1858391 926605 931786 15785610 13012660 2772950 233187 233187 0 18397114 POSTRETIREMENT BENEFITS 1509990 MEMBER SHARES & SAVINGS 942203000 943712990 X X X X 0 1 0 D AMANDA JONES 271913 0 45183 0 15027 0 36500 0 11008 0 379631 0 0 0 RONALD NEUMANN 151673 0 3198 0 3473 0 0 0 19020 0 177364 0 0 0 RICHARD DWYER 72072 0 360282 0 222705 0 46500 0 7406 0 708965 0 0 0 EDWARD RUBIN 30850 0 156952 0 408 0 0 0 11153 0 199363 0 0 0 AMY BRADLEY 13142 0 176199 0 324 0 0 0 18921 0 208586 0 0 0 CATHY STOPPEL 31500 0 141225 0 1149 0 0 0 10520 0 184394 0 0 0 SCOTT ROOTS 29760 0 172378 0 1677 0 0 0 12196 0 216011 0 0 0 PART I, LINE 4B RICHARD DWYER, 457F PLAN - $30,000 D AMANDA JONES, 457F PLAN - $20,000 FORM 990, PART VI, SECTION A, LINE 6 ANY INDIVIDUAL WITH AN ACCOUNT AT THE CREDIT UNION IS CONSIDERED A MEMBER. FORM 990, PART VI, SECTION A, LINE 7A EACH PRIMARY MEMBER OF THE CREDIT UNION IS GIVEN ONE VOTE AND IS ABLE TO ELECT MEMBERS OF THE GOVERNING BODY. FORM 990, PART VI, SECTION A, LINE 7B MAJOR DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL BY MEMBERS, HOWEVER, DAY TO DAY DECISIONS ARE NOT SUBJECT TO MEMBER APPROVAL. FORM 990, PART VI, SECTION A, LINE 8B THE ORGANIZATION DOES NOT HAVE ANY COMMITTEES WITH THE AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11 A COPY OF FORM 990 IS PROVIDED TO THE ORGANIZATION'S GOVERNING BODY FOR REVIEW. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION HAS A CONFLICT OF INTEREST POLICY IN PLACE FOR BOTH THE COMPANY AND THE BOARD. EXPECTATIONS CLEAR AT THE SENIOR MANAGEMENT LEVEL AND ARE COMMUNICATED DOWNWARD, THE ORGANIZATION HAS TRACKING PROCEDURES IN PLACE FOR POSSIBLE AND CONFIRMED CONFLICTS OF INTEREST. IF A CONFLICT OF INTEREST IS DETERMINED TO EXIST INVOLVING A BOARD MEMBER, THAT MEMBER WOULD BE REQUIRED TO ABSTAIN FROM VOTING ON THE ISSUE. FORM 990, PART VI, SECTION B, LINE 15 TOTAL COMPENSATION, INCLUDING BASE PAY, INCENTIVES AND OTHER BENEFITS, IS COMPARED AGAINST CUES EXECUTIVE COMPENSATION PROGRAM, MILLIMAN NW FINANCIAL INDUSTRY SURVEY RESULTS AND OTHER EXECUTIVE PUBLICATIONS/REPORTS. CEO COMPENSATION IS REVIEWED BY THE BOARD PERSONNEL COMMITTEE AND APPROVED BY THE FULL BOARD. COMPENSATION AMOUNTS ARE TRACKED FOR FUTURE REFERENCE. THE LAST FORMAL COMPENSATION COMPARISON REVIEW BY THE ORGANIZATION WAS PERFORMED IN 2010. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION'S FINANCIAL STATEMENTS ARE POSTED ONLINE AND IN CREDIT UNION BRANCHES AND ARE AVAILABLE UPON REQUEST. GOVERNING DOCUMENTS ARE AVAILABLE TO MEMBERS UPON REQUEST. FORM 990, PART XII, LINE 2: THE CREDIT UNION IS GOVERNED BY THE NATIONAL CREDIT UNION ADMINISTRATION (NCUA). AS SUCH, REGULATORS REVIEW THE FINANCIAL TRANSACTIONS OF THE CREDIT UNION ON A CONSISTENT BASIS. IN ADDITION, THE CREDIT UNION MAINTAINS A SUPERVISORY COMMITTEE TO OVERSEE THE PERFORMANCE OF AN ANNUAL AUDIT OF THE STATEMENTS OF FINANCIAL CONDITION. THESE AUDITED STATEMENTS OF FINANCIAL CONDITION ARE PREPARED ON A SEPTEMBER 30TH YEAR END.