NUMERICA CREDIT UNION: Form 990, tax year 2011
View the entire original 990 at ProPublica ↗
- Organization
- NUMERICA CREDIT UNION (EIN 91-0863377)
- Tax period
- 2011-01-01 to 2011-12-31
- Filed
- 2012-11-15
- IRS object ID
- 201243209349308139
- 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 ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Timestamp | 2012-11-15T16:41:12-06:00 | Timestamp |
| Tax Period End Date | 2011-12-31 | TaxPeriodEndDate |
Preparer Firm PreparerFirm
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 910189318 | EIN |
Preparer Firm Business Name PreparerFirmBusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | Moss Adams LLP | BusinessNameLine1 |
Preparer Firm US Address PreparerFirmUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 601 W Riverside Suite 1800 | AddressLine1 |
| City | Spokane | City |
| State | WA | State |
| ZIP Code | 992010629 | 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 | 910863377 | EIN |
Name Name
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | Numerica Credit Union | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Control | NUME | NameControl |
| Phone | 5095357613 | Phone |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 14610 E Sprague Avenue | AddressLine1 |
| City | Spokane Valley | City |
| State | WA | State |
| ZIP Code | 992162146 | ZIPCode |
Officer Officer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | Cindy Leaver | Name |
| Title | CFO | Title |
| Phone | 5095357613 | Phone |
| Date Signed | 2012-11-15 | DateSigned |
| Authorize Third Party | 1 | AuthorizeThirdParty |
Preparer Preparer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | Cheri R Burnham CPA | Name |
| PTIN | P00055324 | PTIN |
| Phone | 5097472600 | 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 | Cindy Leaver | NameOfPrincipalOfficerPerson |
Address Principal Officer US AddressPrincipalOfficerUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 14610 E Sprague Avenue | AddressLine1 |
| City | Spokane Valley | City |
| State | WA | State |
| ZIP Code | 992162146 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | 86256264 | GrossReceipts |
| Group Return For Affiliates | 0 | GroupReturnForAffiliates |
| Group Exemption Number | 1269 | GroupExemptionNumber |
| Organization501c | X | Organization501c |
| Web Site | www.numericacu.com | WebSite |
| Type Of Organization Corporation | X | TypeOfOrganizationCorporation |
| Year Formation | 1937 | YearFormation |
| State Legal Domicile | WA | StateLegalDomicile |
| Activity Or Mission Description | Credit union operated without profit for mutual purposes. | ActivityOrMissionDescription |
| Nbr Voting Members Governing Body | 9 | NbrVotingMembersGoverningBody |
| Nbr Independent Voting Members | 4 | NbrIndependentVotingMembers |
| Total Nbr Employees | 360 | TotalNbrEmployees |
| Total Nbr Volunteers | 14 | TotalNbrVolunteers |
| Total Gross UBI | 175460 | TotalGrossUBI |
| Net Unrelated Business Txbl Income | 0 | NetUnrelatedBusinessTxblIncome |
| Contributions Grants Prior Year | 0 | ContributionsGrantsPriorYear |
| Contributions Grants Current Year | 0 | ContributionsGrantsCurrentYear |
| Program Service Revenue Prior Year | 58776475 | ProgramServiceRevenuePriorYear |
| Program Service Revenue CY | 60493499 | ProgramServiceRevenueCY |
| Investment Income Prior Year | 6350615 | InvestmentIncomePriorYear |
| Investment Income Current Year | 6970809 | InvestmentIncomeCurrentYear |
| Other Revenue Prior Year | -16484 | OtherRevenuePriorYear |
| Other Revenue Current Year | -30756 | OtherRevenueCurrentYear |
| Total Revenue Prior Year | 65110606 | TotalRevenuePriorYear |
| Total Revenue Current Year | 67433552 | TotalRevenueCurrentYear |
| Grants And Similar Amnts Prior Year | 0 | GrantsAndSimilarAmntsPriorYear |
| Grants And Similar Amnts CY | 18200 | GrantsAndSimilarAmntsCY |
| Benefits Paid To Members Prior Year | 0 | BenefitsPaidToMembersPriorYear |
| Benefits Paid To Members CY | 0 | BenefitsPaidToMembersCY |
| Salaries Etc Prior Year | 16791932 | SalariesEtcPriorYear |
| Salaries Etc Current Year | 18017251 | 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 | 36968448 | OtherExpensePriorYear |
| Other Expenses Current Year | 34088880 | OtherExpensesCurrentYear |
| Total Expenses Prior Year | 53760380 | TotalExpensesPriorYear |
| Total Expenses Current Year | 52124331 | TotalExpensesCurrentYear |
| Revenues Less Expenses Prior Year | 11350226 | RevenuesLessExpensesPriorYear |
| Revenues Less Expenses CY | 15309221 | RevenuesLessExpensesCY |
| Total Assets BOY | 1063505200 | TotalAssetsBOY |
| Total Assets EOY | 1138735463 | TotalAssetsEOY |
| Total Liabilities BOY | 968222838 | TotalLiabilitiesBOY |
| Total Liabilities EOY | 1025093875 | TotalLiabilitiesEOY |
| Net Assets Or Fund Balances BOY | 95282362 | NetAssetsOrFundBalancesBOY |
| Net Assets Or Fund Balances EOY | 113641588 | NetAssetsOrFundBalancesEOY |
| Mission Description | Credit Union operated without profit for mutual purposes. | MissionDescription |
| Significant New Program Services | 0 | SignificantNewProgramServices |
| Significant Change | 0 | SignificantChange |
| Description | Provide financial services to 88,511 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. | Description |
| Described In501 C3 | 0 | DescribedIn501C3 |
| Schedule B Required | 0 | ScheduleBRequired |
| Political Activities | 0 | PoliticalActivities |
| Subject To Proxy Tax | 0 | SubjectToProxyTax |
| Donor Advised Funds | 0 | DonorAdvisedFunds |
| Conservation Easements | 0 | ConservationEasements |
| Collections Of Art | 0 | CollectionsOfArt |
| Credit Counseling | 0 | CreditCounseling |
| Term Or Permanent Endowments | 0 | TermOrPermanentEndowments |
| Report Land Bldg Equip | 1 | ReportLandBldgEquip |
| Report Invest Oth Securities | 1 | 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 | 1 | GrantsToOrganizations |
| Grants To Individuals | 0 | GrantsToIndividuals |
| Schedule J Required | 1 | ScheduleJRequired |
| Tax Exempt Bonds | 0 | TaxExemptBonds |
| Loan To Officer Or DQP | 1 | 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 | 1 | RelatedEntity |
| Related Org Controlled Entity | 1 | RelatedOrgControlledEntity |
| Transaction Related Entity | 1 | TransactionRelatedEntity |
| Activities Conducted Partnership | 0 | ActivitiesConductedPartnership |
| Schedule O Required | 1 | ScheduleORequired |
| Number Forms Transmitted With1096 | 30684 | NumberFormsTransmittedWith1096 |
| Number W2 G Included | 0 | NumberW2GIncluded |
| Compliance With Backup Witholding | 1 | ComplianceWithBackupWitholding |
| Number Of Employees | 360 | 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 | 9 | NbrVotingGoverningBodyMembers |
| Number Independent Voting Members | 4 | 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 | 1 | OfficerMailingAddress |
| Local Chapters | 0 | LocalChapters |
| Form990 Provided To Governing Body | 0 | 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 | 1 | 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 | Cindy Leaver | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Telephone Number | 5095357613 | TelephoneNumber |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 14610 E Sprague Avenue | AddressLine1 |
| City | Spokane Valley | City |
| State | WA | State |
| ZIP Code | 99216 | ZIPCode |
Form990 Part VII Section A Form990PartVIISectionA (23 entries)
| TitleTitle | Average Hours Per WeekAverageHoursPerWeek | Individual Trustee Or DirectorIndividualTrusteeOrDirector | OfficerOfficer | Reportable Comp From OrganizationReportableCompFromOrganization | Reportable Comp From Related OrgsReportableCompFromRelatedOrgs | Other CompensationOtherCompensation | Highest Compensated EmployeeHighestCompensatedEmployee |
|---|---|---|---|---|---|---|---|
| David Shriver | |||||||
| Chairperson | 8.00 | X | X | 0 | 0 | 0 | |
| Joe Day | |||||||
| Vice Chairman | 8.00 | X | X | 0 | 0 | 804 | |
| Marguerite Haverfield | |||||||
| Treasurer | 8.00 | X | X | 0 | 0 | 0 | |
| Larry Lanning | |||||||
| Board Member | 8.00 | X | 0 | 0 | 1191 | ||
| Rudy Mueller | |||||||
| Board Member | 8.00 | X | 0 | 0 | 942 | ||
| Scott Clark | |||||||
| Board Member | 8.00 | X | 0 | 0 | 744 | ||
| Doug Boseth | |||||||
| Board Member | 8.00 | X | 0 | 0 | 0 | ||
| Ron Hupp | |||||||
| Board Member | 8.00 | X | 0 | 0 | 0 | ||
| Robin Harmon | |||||||
| Board Member | 8.00 | X | 0 | 0 | 0 | ||
| Dennis Cutter | |||||||
| Former President/CEO | 40.00 | X | 379992 | 0 | 34729 | ||
| Jennifer Lehn | |||||||
| Executive VP | 40.00 | X | 233334 | 0 | 29651 | ||
| Cindy Leaver | |||||||
| CFO | 40.00 | X | 171117 | 0 | 19380 | ||
| Mary Ronnfeldt | |||||||
| VP of Marketing | 40.00 | X | 135351 | 0 | 19745 | ||
| Eugene Fitzpatrick | |||||||
| VP of Lending | 40.00 | X | 149715 | 0 | 16647 | ||
| Larry Shintani | |||||||
| VP of Business Services | 40.00 | X | 190102 | 0 | 21986 | ||
| Chris Hyde | |||||||
| Former VP of Info. Technology | 40.00 | X | 131542 | 0 | 10747 | ||
| Nancy Harter Norbury | |||||||
| Sr. VP of Administration | 40.00 | X | 176207 | 0 | 24115 | ||
| Michelle Grabicki | |||||||
| VP of Branch Administratio | 40.00 | X | 125559 | 0 | 21174 | ||
| Carla Altepeter | |||||||
| CEO | 40.00 | X | 120624 | 0 | 11068 | ||
| Kelly Ferguson | |||||||
| VP of Information Technology | 40.00 | X | 126381 | 0 | 21121 | ||
| Elizabeth Sparlin | |||||||
| Recovery Specialist | 40.00 | 107923 | 0 | 11610 | X | ||
| Lisa Vold | |||||||
| Senior Credit Officer | 40.00 | 113101 | 0 | 14524 | X | ||
| Greg Hansen | |||||||
| Business Services Sales Manager | 40.00 | 118141 | 0 | 18155 | X | ||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | 2279089 | TotalReportableCompFromOrg |
| Total Reportable Comp Frm Rltd Orgs | 0 | TotalReportableCompFrmRltdOrgs |
| Total Other Compensation | 278333 | TotalOtherCompensation |
| Number Individuals GT100 K | 15 | 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 |
|---|---|---|---|---|---|
| Jack Henry & Associates Inc | |||||
| PO Box 503328 | St Louis | MO | 63150 | Software Provider | 2023878 |
| MTR Communications | |||||
| 1705 S Maple Blvd | Spokane | WA | 99203 | Public Relations | 770108 |
| PSCU Financial Services Inc | |||||
| 560 Carillon Parkway | St Petersburg | FL | 33716 | Home Banking/Gift Card Issuer | 306442 |
| XO Communications | |||||
| 14239 Collections Center Drive | Chicago | IL | 60693 | Telephone/Data/Internet Service | 231069 |
| The William Craig Company Inc | |||||
| PO Box 190 | Auburn | WA | 98071 | Appraisals | 211755 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Number Of Contractors GT100 K | 26 | NumberOfContractorsGT100K |
Program Service Revenue ProgramServiceRevenue (2 entries)
| DescriptionDescription | Business CodeBusinessCode | Total Revenue ColumnTotalRevenueColumn | Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome | Unrelated Business RevenueUnrelatedBusinessRevenue |
|---|---|---|---|---|
| Interest on Loans | 522100 | 47152936 | 47152936 | |
| Fee Income | 522100 | 13340563 | 13134347 | 206216 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | 60493499 | TotalProgramServiceRevenue |
Investment Income InvestmentIncome
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 6846225 | TotalRevenueColumn |
| Exclusion | $6,846,225 | ExclusionAmount |
Gross Rents GrossRents
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | 132807 | Real |
Less Rental Expenses LessRentalExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | 163563 | Real |
Rental Income Or Loss RentalIncomeOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | -30756 | Real |
Net Rental Income Or Loss NetRentalIncomeOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | -30756 | TotalRevenueColumn |
| Unrelated Business Revenue | -30756 | UnrelatedBusinessRevenue |
Gross Amount Sales Assets GrossAmountSalesAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | 17995290 | Securities |
| Other | 788443 | Other |
Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | 17825870 | Securities |
| Other | 833279 | Other |
Gain Or Loss GainOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | 169420 | Securities |
| Other | -44836 | Other |
Net Gain Or Loss Investments NetGainOrLossInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 124584 | TotalRevenueColumn |
| Exclusion | $124,584 | ExclusionAmount |
Total Revenue TotalRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 67433552 | TotalRevenueColumn |
| Related Or Exempt Function Income | 60287283 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 175460 | UnrelatedBusinessRevenue |
| Exclusion | $6,970,809 | ExclusionAmount |
Grants To Domestic Orgs GrantsToDomesticOrgs
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 18200 | Total |
Comp Current Officers Directors CompCurrentOfficersDirectors
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 2293736 | Total |
Other Salaries And Wages OtherSalariesAndWages
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 11803096 | Total |
Pension Plan Contributions PensionPlanContributions
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1045669 | Total |
Other Employee Benefits OtherEmployeeBenefits
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1678058 | Total |
Payroll Taxes PayrollTaxes
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1196692 | Total |
Fees For Services Legal FeesForServicesLegal
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 6473 | Total |
Fees For Services Accounting FeesForServicesAccounting
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 66479 | Total |
Fees For Services Other FeesForServicesOther
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 267017 | Total |
Advertising Advertising
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1362763 | Total |
Office Expenses OfficeExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 2430008 | Total |
Information Technology InformationTechnology
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 860367 | Total |
Occupancy Occupancy
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1311428 | Total |
Travel Travel
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 248821 | Total |
Conferences Meetings ConferencesMeetings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 17413 | Total |
Interest Interest
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 15754174 | Total |
Depreciation Depletion DepreciationDepletion
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 168223 | Total |
Insurance Insurance
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 228775 | Total |
Other Expenses OtherExpenses (4 entries)
| DescriptionDescription | TotalTotal |
|---|---|
| Provision for Loan Loss | 7100000 |
| NCUISF Expense | 2343818 |
| Loan Servicing/Collecti | 1359659 |
| Other Operating Expense | 380392 |
All Other Expenses AllOtherExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 183070 | Total |
Total Functional Expenses TotalFunctionalExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 52124331 | Total |
Cash Non Interest Bearing CashNonInterestBearing
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 16704512 | BOY |
| EOY | 45456069 | EOY |
Savings And Temp Cash Investments SavingsAndTempCashInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 2138949 | BOY |
| EOY | 2331238 | EOY |
Receivables From Officers Etc ReceivablesFromOfficersEtc
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 2988793 | BOY |
| EOY | 2167108 | EOY |
Other Notes Loans Receivable Net OtherNotesLoansReceivableNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 722904651 | BOY |
| EOY | 774345981 | EOY |
Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 805562 | BOY |
| EOY | 813454 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Buildings Equipment Basis | 49654022 | LandBuildingsEquipmentBasis |
| Land Bldg Equipment Accum Deprec | 13916896 | LandBldgEquipmentAccumDeprec |
Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 36017955 | BOY |
| EOY | 35737126 | EOY |
Investments Other Securities InvestmentsOtherSecurities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 259588351 | BOY |
| EOY | 258174390 | EOY |
Intangible Assets IntangibleAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 287429 | BOY |
| EOY | 265962 | EOY |
Other Assets Total OtherAssetsTotal
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 22068998 | BOY |
| EOY | 19444135 | EOY |
Total Assets TotalAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1063505200 | BOY |
| EOY | 1138735463 | EOY |
Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 11132625 | BOY |
| EOY | 12149728 | EOY |
Mort Notes Pybl Secured Invest Prop MortNotesPyblSecuredInvestProp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 41552282 | BOY |
| EOY | 38195149 | EOY |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 915537931 | BOY |
| EOY | 974748998 | EOY |
Total Liabilities TotalLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 968222838 | BOY |
| EOY | 1025093875 | 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 | 95282362 | BOY |
| EOY | 113641588 | EOY |
Total Net Assets Fund Balances TotalNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 95282362 | BOY |
| EOY | 113641588 | EOY |
Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1063505200 | BOY |
| EOY | 1138735463 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part XI | X | InfoInScheduleOPartXI |
| Reconcilation Revenue Expenses | 15309221 | ReconcilationRevenueExpenses |
| Reconcilation Other Changes | 3050005 | 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 D IRS990ScheduleD
Land Land
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 9545721 | OtherCostOrOtherBasis |
| Book Value | 9545721 | BookValue |
Buildings Buildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 29039928 | OtherCostOrOtherBasis |
| Depreciation | 5695353 | Depreciation |
| Book Value | 23344575 | BookValue |
Equipment Equipment
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 3931318 | OtherCostOrOtherBasis |
| Depreciation | 2683425 | Depreciation |
| Book Value | 1247893 | BookValue |
Other Land Buildings OtherLandBuildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 7137055 | OtherCostOrOtherBasis |
| Depreciation | 5538118 | Depreciation |
| Book Value | 1598937 | BookValue |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Land Buildings | 35737126 | TotalOfBookValueLandBuildings |
Other Securities OtherSecurities (5 entries)
| DescriptionDescription | Book ValueBookValue | Method Of ValuationMethodOfValuation |
|---|---|---|
| Available for Sale Securities | 243655251 | F |
| Held to Maturity Securities | 2264769 | C |
| NCUSIF Deposit | 9375270 | C |
| Federal Home Loan Bank Stock | 2629100 | C |
| Other Investments | 250000 | C |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Securities | 258174390 | TotalOfBookValueSecurities |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | Shares & Deposits | Description |
| Amount | $974,748,998 | Amount |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Amounts | 974748998 | TotalOfAmounts |
| Total Revenue | 67433552 | TotalRevenue |
| Total Expenses | 52124331 | TotalExpenses |
| Excess Or Deficit For Year | 15309221 | ExcessOrDeficitForYear |
| Net Unrealized GL On Investments | 3050005 | NetUnrealizedGLOnInvestments |
| Total Adjustments | 3050005 | TotalAdjustments |
| Excess Or Deficit Per FS | 18359226 | ExcessOrDeficitPerFS |
| Tot Revenue Etc Audited Fincl Stmt | 69346953 | TotRevenueEtcAuditedFinclStmt |
| Other Revenues | 1913401 | OtherRevenues |
| Revenue Not Rptd F990 | 1913401 | RevenueNotRptdF990 |
| Revenue Subtotal | 67433552 | RevenueSubtotal |
| Revenue Not Rptd On Fin Stmt | 0 | RevenueNotRptdOnFinStmt |
| Total Revenue Per Form990 | 67433552 | TotalRevenuePerForm990 |
| Tot Expenses Etc Audited Fincl Stmt | 54037732 | TotExpensesEtcAuditedFinclStmt |
| Other Expenses Included | 1913401 | OtherExpensesIncluded |
| Expenses Not Rptd F990 | 1913401 | ExpensesNotRptdF990 |
| Expenses Subtotal | 52124331 | ExpensesSubtotal |
| Expenses Not Rptd On Fin Stmt | 0 | ExpensesNotRptdOnFinStmt |
| Total Expenses Per Form990 | 52124331 | TotalExpensesPerForm990 |
Form990 Schedule D Part XIV Form990ScheduleDPartXIV (3 entries)
| IdentifierIdentifier | Return ReferenceReturnReference | ExplanationExplanation |
|---|---|---|
| Description of Uncertain Tax Positions Under FIN 48: | Part X: | The Credit Union is exempt by statute from federal income taxes under the provisions of Section 501 of the Internal Revenue Code of 1954; however, the Credit Unions unrelated business income and subsidiaries are subject to federal income taxes. There were no significant income taxes for the years ended December 31, 2011 and 2010. Accounting principles prescribe a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. The Credit Union had no unrecognized tax positions at December 31, 2011, or December 31, 2010. It is the Credit Union's policy to record any penalties or interest arising from federal or state taxes as a component of noninterest expense. The Credit Union files a federal exempt organization return and sales and use tax return with the state of Washington. With few exceptions, the Credit Union is no longer subject to U.S. federal or state and local income tax examinations by tax authorities for years before 2008. |
| Part XII, Line 2d - Other Adjustments: | Unrelated Rental Expenses 163,563. Amortization of Origination Fee 1,749,838. | |
| Part XIII, Line 2d - Other Adjustments: | Unrelated Rental Expenses 163,563. Amortization of Origination Fee 1,749,838. |
Schedule I IRS990ScheduleI
| Field | Value | IRS element (for citing) |
|---|---|---|
| Records Maintained | 1 | RecordsMaintained |
| No Grant More Than5000 | X | NoGrantMoreThan5000 |
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: Donations are routed through the Community Involvement Committee (CIC) or through the Communications department depending on the request. The request is then evaluated either by Communications or by the CIC donations sub-committee and a determination made as to the amount to be donated. Effective September 2012, all acknowledgements are retained and recipients of the donations recorded. | Explanation |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Travel For Companions | X | TravelForCompanions |
| Idemnification Gross Up Payments | X | IdemnificationGrossUpPayments |
| Housing Allowance Or Residence | X | HousingAllowanceOrResidence |
| Club Dues Or Fees | X | ClubDuesOrFees |
| Written Policy Re T And E Expenses | 1 | WrittenPolicyReTAndEExpenses |
| Substantiation Required | 1 | SubstantiationRequired |
| 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 (7 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dennis Cutter | |||||||||||||
| 271229 | 0 | 108763 | 0 | 0 | 0 | 26288 | 0 | 8441 | 0 | 414721 | 0 | 0 | 0 |
| Jennifer Lehn | |||||||||||||
| 197812 | 0 | 34272 | 0 | 1250 | 0 | 21604 | 0 | 8047 | 0 | 262985 | 0 | 0 | 0 |
| Cindy Leaver | |||||||||||||
| 145560 | 0 | 24307 | 0 | 1250 | 0 | 11645 | 0 | 7735 | 0 | 190497 | 0 | 0 | 0 |
| Mary Ronnfeldt | |||||||||||||
| 114783 | 0 | 20368 | 0 | 200 | 0 | 13237 | 0 | 6508 | 0 | 155096 | 0 | 0 | 0 |
| Eugene Fitzpatrick | |||||||||||||
| 127604 | 0 | 22061 | 0 | 50 | 0 | 10208 | 0 | 6439 | 0 | 166362 | 0 | 0 | 0 |
| Larry Shintani | |||||||||||||
| 135766 | 0 | 53439 | 0 | 897 | 0 | 14647 | 0 | 7339 | 0 | 212088 | 0 | 0 | 0 |
| Nancy Harter Norbury | |||||||||||||
| 148979 | 0 | 25978 | 0 | 1250 | 0 | 16336 | 0 | 7779 | 0 | 200322 | 0 | 0 | 0 |
Form990 Schedule J Part III Form990ScheduleJPartIII (2 entries)
| Return ReferenceReturnReference | ExplanationExplanation |
|---|---|
| Part I, Line 1a | Health or social club dues/initiation fees are provided for executive management as a benefit. Their compensation is taxed appropriately for this benefit. Board members who have companions traveling have these expenses included for taxable purposes in their 1099-Misc. |
| Part I, Line 4b | Dennis Cutter received a contribution to his Supplemental Plan B Retirement Plan in the amount of $9,814.44. |
Schedule L IRS990ScheduleL
Loan Table LoanTable (32 entries)
| Purpose Of LoanPurposeOfLoan | Loan From OrganizationLoanFromOrganization | Original PrincipalOriginalPrincipalAmount | Balance DueBalanceDue | DefaultDefault | Approved By BoardApprovedByBoard | Written AgreementWrittenAgreement |
|---|---|---|---|---|---|---|
| Mary Ronnfeldt | ||||||
| Mortgage | X | $294,400 | 268102 | 0 | 0 | 1 |
| Mary Ronnfeldt | ||||||
| Line of Credit | X | $25,000 | 6705 | 0 | 0 | 1 |
| Jennifer Lehn | ||||||
| Mortgage | X | $173,000 | 165992 | 0 | 0 | 1 |
| Jennifer Lehn | ||||||
| HELOC | X | $60,000 | 35692 | 0 | 0 | 1 |
| Jennifer Lehn | ||||||
| Auto | X | $14,000 | 7254 | 0 | 0 | 1 |
| Jennifer Lehn | ||||||
| HELOC | X | $20,000 | 14643 | 0 | 0 | 1 |
| Nancy Norbury - Harter | ||||||
| HELOC | X | $90,000 | 52346 | 0 | 0 | 1 |
| Larry Shintani | ||||||
| Mortgage | X | $250,000 | 224679 | 0 | 0 | 1 |
| Larry Shintani | ||||||
| Auto | X | $48,466 | 34755 | 0 | 0 | 1 |
| Cindy Leaver | ||||||
| HELOC | X | $18,000 | 13737 | 0 | 0 | 1 |
| Cindy Leaver | ||||||
| Auto | X | $18,442 | 6569 | 0 | 0 | 1 |
| Cindy Leaver | ||||||
| Mortgage | X | $123,000 | 120364 | 0 | 0 | 1 |
| Jennifer Lehn | ||||||
| Computer | X | $933 | 389 | 0 | 0 | 1 |
| Cindy Leaver | ||||||
| Computer | X | $2,700 | 1432 | 0 | 0 | 1 |
| Karla Hupp | ||||||
| HELOC | X | $29,114 | 19166 | 0 | 0 | 1 |
| Karla Hupp | ||||||
| Car Loan | X | $5,436 | 3839 | 0 | 0 | 1 |
| Karla Hupp | ||||||
| Car Loan | X | $16,423 | 2868 | 0 | 0 | 1 |
| Douglas Boseth | ||||||
| Mortgage | X | $67,000 | 30864 | 0 | 0 | 1 |
| David Shriver | ||||||
| HELOC | X | $100,199 | 144300 | 0 | 0 | 1 |
| Scott Clark | ||||||
| Mortgage | X | $114,000 | 13169 | 0 | 0 | 1 |
| Robin Harmon | ||||||
| Collateralized Loan - Open End | X | $25,611 | 11729 | 0 | 0 | 1 |
| Robin Harmon | ||||||
| Collateralized Loan - Open End | X | $21,372 | 11702 | 0 | 0 | 1 |
| Robin Harmon | ||||||
| Mortgage | X | $269,895 | 269133 | 0 | 0 | 1 |
| Carla Altepeter | ||||||
| Mortgage | X | $562,500 | 561311 | 0 | 0 | 1 |
| Scott Clark | ||||||
| Collateralized Loan - Closed End | X | $6,036 | 5377 | 0 | 0 | 1 |
| Scott Clark | ||||||
| Collateralized Loan - Closed End | X | $13,000 | 13000 | 0 | 0 | 1 |
| Kelley Ferguson | ||||||
| Collateralized Loan - Closed End | X | $27,817 | 25663 | 0 | 0 | 1 |
| Jennifer Lehn | ||||||
| Dealer Loan | X | $32,362 | 31984 | 0 | 0 | 1 |
| Michelle Grabicki | ||||||
| Auto | X | $31,280 | 25092 | 0 | 0 | 1 |
| Michelle Grabicki | ||||||
| PAL | X | $750 | 660 | 0 | 0 | 1 |
| Susan Nielsen | ||||||
| Mortgage | X | $56,000 | 19314 | 0 | 0 | 1 |
| Scott Plumb | ||||||
| Auto | X | $31,000 | 25278 | 0 | 0 | 1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Balance Due | 2167108 | TotalBalanceDue |
Schedule O IRS990ScheduleO
General Explanation GeneralExplanation (11 entries)
| Return ReferenceReturnReference | ExplanationExplanation | IdentifierIdentifier |
|---|---|---|
| Form 990, Part VI, Line 9: | Dennis Cutter S. 6220 Kaniksu Court Spokane, WA 99206 Chris Hyde PO Box 4731 Spokane, WA 99220 | |
| Form 990, Part VI, Section A, line 6 | Organization has one class of members. | |
| Form 990, Part VI, Section A, line 7a | Organization's members may elect one or more members of the governing body. | |
| Form 990, Part VI, Section A, line 7b | Organization's members approve decisions of the governing body. | |
| Form 990, Part VI, Section B, line 11 | Form 990 is reviewed by Executive Management. | |
| Form 990, Part VI, Section B, line 12c | There is an annual certification process where the code of ethics policy for volunteers is reviewed. | |
| Form 990, Part VI, Section B, line 15 | The board reviews the CEO's contract annually and uses data from CUES (Credit Union Executive Society) to provide contemporaneous substantiation of the deliberation and decisions. All of the salary ranges for the entire organization are set based on salary surveys from Goodwin & Associates through a program called Compease. The surveys are of financial institutions of similar size and region. In addition, for the executive management team, we consult with CUES to determine where within the ranges the executives should be. This is considered along with their annual performance reviews. | |
| Form 990, Part VI, Section C, line 18 | Available upon request. | |
| Form 990, Part VI, Section C, line 19 | Available upon request. | |
| Form 990, Part XI, line 5: | Net unrealized gains on investments: 3,050,005. | Changes in Net Assets or Fund Balances: |
| Form 990, Part XII, Line 2c: The Organization has a committee that is responsible for oversight of the audit and selection of independent auditors. There have been no changes to the process during the year. |
Schedule R IRS990ScheduleR
Form990 Schedule R Part IV Form990ScheduleRPartIV
Name Of Related Org NameOfRelatedOrg
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | Numerica Member Services Inc | BusinessNameLine1 |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO Box 4000 | AddressLine1 |
| City | Spokane Valley | City |
| State | WA | State |
| ZIP Code | 99037 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 911320629 | EIN |
| Primary Activity | Financial Counseling Service | PrimaryActivity |
| Legal Domicile State | WA | LegalDomicileState |
Direct Controlling Entity Name DirectControllingEntityName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | Numerica Credit Union | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Type Of Entity | C | TypeOfEntity |
| Share Of Total Income | 41210 | ShareOfTotalIncome |
| Share Of EOY Assets | 503823 | ShareOfEOYAssets |
| Percentage Ownership | 1.00000 | PercentageOwnership |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Receipt Of Int Ann Rents Royalties | 1 | ReceiptOfIntAnnRentsRoyalties |
| Gift Grant Or Cap Contr To Other Org | 0 | GiftGrantOrCapContrToOtherOrg |
| Gift Grant Or Cap Contr Fr Other Org | 0 | GiftGrantOrCapContrFrOtherOrg |
| Loans Or Guarantees To Other Org | 0 | LoansOrGuaranteesToOtherOrg |
| Loans Or Guarantees From Other Org | 0 | LoansOrGuaranteesFromOtherOrg |
| Sale Of Assets To Other Org | 0 | SaleOfAssetsToOtherOrg |
| Purchase Of Assets From Other Org | 0 | PurchaseOfAssetsFromOtherOrg |
| Exchange Of Assets | 0 | ExchangeOfAssets |
| Rental Of Facilities To Other Orgs | 0 | RentalOfFacilitiesToOtherOrgs |
| Rental Of Facilities Fr Other Orgs | 0 | RentalOfFacilitiesFrOtherOrgs |
| Perform Of Services For Other Orgs | 0 | PerformOfServicesForOtherOrgs |
| Perform Of Services By Other Orgs | 0 | PerformOfServicesByOtherOrgs |
| Sharing Of Facilities | 1 | SharingOfFacilities |
| Sharing Of Paid Employees | 1 | SharingOfPaidEmployees |
| Reimbursement Paid To Other Org | 0 | ReimbursementPaidToOtherOrg |
| Reimbursement Paid By Other Org | 1 | ReimbursementPaidByOtherOrg |
| Other Transfer To Other Org | 0 | OtherTransferToOtherOrg |
| Other Transfer From Other Org | 0 | OtherTransferFromOtherOrg |
Transactions Related Orgs Table TransactionsRelatedOrgsTable
Name Of Other Organization NameOfOtherOrganization
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | Numerica Member Services Inc | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Transaction Type | A | TransactionType |
| Amount Involved | 60000 | AmountInvolved |
| Method Of Amt Determination | FMV | MethodOfAmtDetermination |