2023-11-15T19:09:41-06:00 2022-12-31 952302617 SINGERLEWAK LLP 10960 WILSHIRE BLVD SUITE 1100 LOS ANGELES CA 90024 990 2022-01-01 840419976 SOOPER CREDIT UNION SOOP 3034275005 5005 W 60TH AVE ARVADA CO 80003 CHARLIE EMANUEL CFO 3034275005 2023-11-15 1 CHARLIE EMANUEL 999009999 0 NANAZ BENYAMINI P00748170 3104773924 2023-11-15 3 AAL1 IAL1 2022 2023-04-26 12:10:37Z DANIEL KESTER 5005 W 60TH AVE ARVADA CO 80003 89889771 0 X WWW.SOOPERCU.ORG X 1951 CO TO IMPROVE OUR COMMUNITIES' QUALITY OF LIFE BY ENHANCING OUR MEMBERS' FINANCIAL WELL-BEING. 11 0 164 10 19292 0 0 0 23377289 28390221 2122129 4492016 22658 19292 25522076 32901529 0 0 0 0 8798515 11241548 0 0 0 10666847 12485187 19465362 23726735 6056714 9174794 541418878 632073960 486542139 571267579 54876739 60806381 TO IMPROVE OUR COMMUNITIES' QUALITY OF LIFE BY ENHANCING OUR MEMBERS'FINANCIAL WELL-BEING. 0 0 THE CREDIT UNION IS OWNED BY APPROXIMATELY 35,000 MEMBERS. THE CREDITUNION PROVIDES FINANCIAL SERVICES TO ITS MEMBERS. SOME OF THESESERVICES INCLUDE CONSUMER LENDING, MORTGAGE LENDING, CHECKING ANDSAVINGS ACCOUNTS, AND SHARE CERTIFICATES. THE CREDIT UNION ALSO OFFERSATM, DEBIT AND CREDIT CARDS, IN ADDITION TO OTHER FINANCIAL SERVICES. 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 1 0 0 0 1 0 0 0 0 0 0 0 0 1 9882 0 1 164 1 1 1 0 0 0 0 0 0 0 0 0 X 11 0 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 0 X CHARLIE EMANUEL CFO 3034275005 5005 W 60TH AVE ARVADA CO 80003 DONETTA DAVIDSON DIRECTOR 3.00 X 5250 0 0 JOHN BODNAR SECRETARY/DIRECTOR 3.00 X X 5250 0 0 ALMA VAZQUEZ-HERNANDEZ DIRECTOR 3.00 X X 5250 0 0 MIKE DOSS DIRECTOR 3.00 X X 5250 0 0 ADAM WILLIAMSON CHAIRPERSON/DIRECTOR 6.00 X X 10500 0 0 ROGER CAMPBELL DIRECTOR 3.00 X 5250 0 0 PRESTON BRANAUGH DIRECTOR 3.00 X 5250 0 0 LYNN SIERRAS-KRONE DIRECTOR 3.00 X 5250 0 0 TONY DAYMIL DIRECTOR 3.00 X 5250 0 0 DON BLEA DIRECTOR THRU 5/31/22 3.00 X 0 0 0 DAN BIGANDT DIRECTOR THRU 5/31/22 3.00 X 0 0 0 DANIEL KESTER CEO/PRESIDENT EMERITUS 40.00 X 323334 0 11292 CARRIE LANGGARD CEO/PRESIDENT 40.00 X 385821 0 31973 GARY ROBBINS CHIEF LENDING OFFICER 40.00 X 243984 0 35969 JOSH HENDERSON VP IT 40.00 X 168236 0 34846 JESSE SCHADE VP RETAIL 40.00 X 157657 0 6139 AMANDA KOBZA VP FINANCE 40.00 X 146081 0 16169 TERRI RHOADES VP BUSINESS SERVICES 40.00 X 117905 0 14893 CHARLIE EMANUEL CFO 40.00 X 161877 0 14090 TIM JANVRIN VP LENDING 40.00 X 179169 0 31022 NATE ROGERS CHIEF STRATEGY OFFICER 40.00 X 212759 0 25351 CHERISE MEANY VP OF MARKETING 40.00 X 144840 0 21248 MIRANDA MADDEN VP OF HR 40.00 X 147174 0 15566 FLOSSIE O'LEARY VICE CHAIR 3.00 X 5250 0 0 BOB BRUHN TREASURER 3.00 X 5250 0 0 DAVID CARNEY BUSINESS INTELLIGENCE & INTEGRATIONS MANAGER 40.00 X 106513 0 14449 MICHELLE RODRIGUEZ BRANCH MANAGER 40.00 X 105836 0 10122 VIOLETTA SKUMATOV LOAN OFFICER 40.00 X 107855 0 10069 BEE VANG DIRECTOR OF IT 40.00 X 101292 0 23867 LEANDRA SMITH HELOC LOAN OFFICER 40.00 X 112644 0 11984 THOMAS WINKLER NETWORK ADMINISTRATOR 40.00 X 103465 0 15218 3089442 0 344267 19 0 1 0 COOP FINANCIAL SERVICES 9692 HAVEN AVE RANCHO CUCAMONGA CA 91730 CREDIT CARD PROCESSING AND TRANSACTION 1082080 CU PRODIGY-CORE 209 E GORDON AVE LAYTON UT 84041 DATA PROCESSOR 749080 LOCKTON PO BOX 205970 DALLAS TX 753123036 INDIRECT AUTO INSURANCE PROGRAM 415270 Q2 PO BOX 205970 DALLAS TX 753205970 ONLINE BANKING PROVIDER 412947 16 INTEREST ON LOANS TO MEMBERS 522100 23031242 23031242 OTHER INCOME 522100 3355507 3355507 FEES AND CHARGES 522100 2003472 2003472 28390221 737644 737644 60742614 56988242 3754372 3754372 3754372 NON-MEMBER ATM FEES 525990 19292 19292 19292 32901529 32882237 19292 0 2710392 6926781 232559 789358 582458 23897 149291 507759 319524 4058498 223999 1136530 21567 813000 136819 INTEREST AND DIVIDENDS 2864807 PROVISION FOR LOAN LOSS 1273027 MISCELLANEOUS OTHER EXP 547730 LOAN SERVICING EXPENSES 337144 71595 23726735 5103659 6122868 20775989 22459405 701847 620634 1856900 2228598 446771213 539653892 1128968 1116032 17802595 9348795 8852786 8453800 39477294 30725863 478200 2160000 3349722 3084831 12922300 15448037 541418878 632073960 2951890 4456057 48000000 483590249 518811522 486542139 571267579 X 0 0 6234401 6234401 48642338 54571980 54876739 60806381 541418878 632073960 9174794 -3245152 0 X X 0 0 0 1364882 1364882 12136068 5940733 6195335 4040308 3408062 632246 261337 261337 8453800 MEMBER SHARES AND DEPOSIT ACCOUNTS 498254522 NON MEMBER DEPOSITS 20557000 518811522 X X X 0 1 0 CARRIE LANGGARD CEO/PRESIDENT 357573 0 28248 0 0 0 12271 0 19702 0 417794 0 0 0 DANIEL KESTER CEO/PRESIDENT EMERITUS 270565 0 52769 0 0 0 3285 0 8007 0 334626 0 176631 0 GARY ROBBINS CHIEF LENDING OFFICER 223380 0 20604 0 0 0 10007 0 25962 0 279953 0 0 0 NATE ROGERS CHIEF STRATEGY OFFICER 192959 0 19800 0 0 0 8135 0 17216 0 238110 0 0 0 TIM JANVRIN VP LENDING 165669 0 13500 0 0 0 7010 0 24012 0 210191 0 0 0 JOSH HENDERSON VP IT 155553 0 12683 0 0 0 7306 0 27540 0 203082 0 0 0 CHARLIE EMANUEL CFO 161877 0 0 0 0 0 7269 0 6821 0 175967 0 0 0 CHERISE MEANY VP OF MARKETING 134643 0 10197 0 0 0 6159 0 15089 0 166088 0 0 0 JESSE SCHADE VP RETAIL 146904 0 10753 0 0 0 5760 0 379 0 163796 0 0 0 MIRANDA MADDEN VP OF HR 137175 0 9999 0 0 0 6208 0 9358 0 162740 0 0 0 AMANDA KOBZA VP FINANCE 136058 0 10023 0 0 0 6151 0 10018 0 162250 0 0 0 PART I, LINE 4B THE CREDIT UNION HAS ESTABLISHED A NON-QUALIFIED DEFERRED COMPENSATION PLAN FOR SELECT MEMBERS OF MANAGEMENT UNDER SECTION 457(F) OF THE INTERNAL REVENUE CODE. EACH MEMBER OF MANAGEMENT WHO IS OFFERED THE PLAN MUST BE CONTINUOUSLY EMPLOYED FOR A CERTAIN NUMBER OF YEARS TO EARN THE DEFERRED COMPENSATION PAYMENT. THERE WERE NO AMOUNTS ACCRUED UNDER THE PLAN FOR 2022. THE FOLLOWING AMOUNTS WERE PAID OUT DURING 2022: DONNA OGOREK $ 10,000 MIKE LITZAU $ 52,000 DANIEL KESTER $176,631 GARY ROBBINS CHIEF LENDING OFFICER MORTGAGE X 484350 412994 0 1 1 CARRIE LANGGARD EVP MORTGAGE X 335250 283161 0 1 1 CARRIE LANGGARD EVP SPLIT DOLLAR LIFE INSURANCE X 130277 854964 0 1 1 CHARLES EMMANUEL CFO MORTGAGE X 600000 590939 0 1 1 CHARLES EMMANUEL CFO AUTO X 73959 72184 0 1 1 PRESTON BRANAUGH DIRECTOR AUTO X 9110 890 0 1 1 ALMA VAZQUES HERNANDEZ OFFICER AUTO X 20493 12586 0 1 1 ALMA VAZQUES HERNANDEZ OFFICER UNSECURED X 4500 880 0 1 1 2228598 CU PRODIGY MANAGEMENT OF THE CREDIT UNION SITS ON THE BOARD OF DIRECTORS OF THE ENTITY 749080 CORE PROCESSOR 0 FORM 990, PART VI, SECTION A, LINE 6 PERSONS ELIGIBLE FOR MEMBERSHIP INCLUED EMPLOYEES (AND FAMILY MEMBERS) OF KING SOOPERS, CITY MARKET, AND OTHER BUSINESSES AND MEMBERS OF ASSOCIATIONS GENERALLY IN THE DENVER, COLORADO SPRINGS, AND GRAND JUNCTION, COLORADO AREAS. MEMBERSHIP ALSO INCLUDES PERSONS 55 YEARS OR OLDER LIVING WITHIN 25 MILES OF A SOOPER CREDIT UNION BRANCH. IN 2015, THE CREDIT UNION ADDED PERSONS WHO LIVE OR WORK IN JEFFERSON COUNTY, COLORADO TO ITS FIELD OF MEMBERSHIP. A $5 MINIMUM DEPOSIT IS REQUIRED FOR MEMBERSHIP. FORM 990, PART VI, SECTION A, LINE 7A THE MEMBERS OF THE CREDIT UNION ANNUALLY ELECT THE BOARD OF DIRECTORS TO SERVE FOR MULTIPLE-YEAR TERMS BY MAILING IN BALLOTS OR VOTING AT AN ANNUAL MEETING. FORM 990, PART VI, SECTION A, LINE 7B VARIOUS DECISIONS MADE BY THE BOARD OF DIRECTORS FOR A CREDIT UNION ARE SUBJECT TO APPROVAL BY THE MEMBERS OF THE CREDIT UNION AS SET FORTH IN NCUA RULES AND REGULATIONS AND APPLICABLE STATE REGULATIONS. MERGER-REQUIRES TWO-THIRDS MAJORITY VOTE OF VOTING MEMBERS. CHARTER CONVERSION-REQUIRES TWO-THIRDS MAJORITY VOTE OF VOTING MEMBERS. DISSOLUTION AND LIQUIDATION-REQUIRES MAJORITY VOTE OF ENTIRE MEMBERSHIP. FORM 990, PART VI, SECTION B, LINE 11B THE CREDIT UNION HAS CONTRACTED WITH A CERTIFIED PUBLIC ACCOUNTING FIRM FOR ASSISTANCE IN COMPLETION OF THE FORM 990/990-T. CURRENTLY, THE BOARD OF DIRECTORS DOES NOT REVIEW THE TAX FORM 990/990-T PRIOR TO SUBMISSION. FORM 990, PART VI, SECTION B, LINE 12C CONFLICT OF INTEREST STATEMENTS ARE SENT TO THE DIRECTORS, SUPERVISORY COMMITTEE AND ALL STAFF ANNUALLY. THESE ARE COMPLETED AND RETURNED TO THE DIRECTOR OF CORPORATE. FORM 990, PART VI, SECTION B, LINE 15 CEO COMPENSATION-THE BOARD OF DIRECTORS USE COMPENSATION SURVEYS TO DETERMINE CEO COMPENSATION. CEO COMPENSATION IS APPROVED BY THE BOARD OF DIRECTORS. TOP MANAGEMENT COMPENSATION-JOB DESCRIPTIONS ARE DEVELOPED USING THE COMPEASE SOFTWARE PORTAL. FACTORS AND JOB DESCRIPTIONS ARE SET WITHIN THE SOFTWARE, WHICH THEN DETERMINES THE SALARY RANGE FOR THE POSITION. SALARIES ARE INCREASED AND DETERMINED BY PERFORMANCE AND THE EMPLOYEES' COMPARATIO. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION'S GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICIES ARE AVAILABLE FOR REVIEW UPON REQUEST AT THE CREDIT UNION. MONTHLY FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. SUMMARIZED FINANCIAL INFORMATION IS AVAILABLE ON THE CREDIT UNION'S WEBSITE. QUARTERLY FINANCIAL DATE IS AVAILABLE TO THE PUBLIC AT WWW.NCUA.GOV. PART XII, LINE 2C SELECTION OF THE AUDITORS AND OVERSIGHT OF THE AUDITORS IS DONE BY THE AUDIT COMMITTEE. THERE WERE NO CHANGES TO THE SELECTION OR OVERSIGHT PRACTICES DURING 2022.