2023-10-31T18:33:44-05:00 2022-12-31 910189318 MOSS ADAMS LLP 805 SW BROADWAY STE 1400 PORTLAND OR 97205 990 2022-01-01 930257765 ONPOINT COMMUNITY CREDIT UNION ONPO 5032731764 PO BOX 3750 PORTLAND OR 972083750 JAMES HUNT SVP/CFO 5032731764 2023-10-24 1 JAMES HUNT XXX-XX-XXXX 1 WENDY CAMPOS P00448102 5032421447 2023-10-24 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z ROBERT STUART PO BOX 3750 PORTLAND OR 972083750 517152229 0 X WWW.ONPOINTCU.COM X 1932 OR PROMOTE THE FINANCIAL WELL-BEING OF CREDIT UNION MEMBERS THROUGH FINANCIAL PRODUCTS AND SERVICES. 8 8 1313 0 1200307 0 0 0 255203535 263908756 45487640 61541490 0 0 300691175 325450246 2250733 2462178 0 0 110567114 104293234 0 0 0 106976198 114054926 219794045 220810338 80897130 104639908 9040369064 8925586538 8095784682 7993620309 944584382 931966229 PROMOTE THE FINANCIAL WELL-BEING OF CREDIT UNION MEMBERS THROUGH FINANCIAL PRODUCTS AND SERVICES. 0 0 IN 2022, MEMBERSHIP IN THE CREDIT UNION GREW TO 503,078 MEMBERS. ONPOINT COMMUNITY CREDIT UNION PROVIDED THE MEMBERSHIP WITH FINANCIAL SERVICES, INCLUDING THE PROVISION OF 234,483 LOANS AND 1,079,998 DEPOSIT ACCOUNTS TO MEMBERS AT COMPETITIVE RATES. 0 0 1 0 0 0 0 1 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 184523 0 1 1313 1 1 1 0 0 0 0 0 1 0 X 8 8 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 0 0 X STEVE BROUILLET CONTROLLER 5032214118 2701 NW VAUGHN STREET SUITE 800 PORTLAND OR 97210 L JOHNSON BOARD CHAIR 13.00 X X 63000 0 0 K DURHAM BOARD VICE CHAIR 6.50 X X 50296 0 0 K THOMAJAN BOARD SECRETARY 6.50 X X 47998 0 0 A SLAGLE DIRECTOR 6.50 X 45000 0 0 M MROCZEK DIRECTOR 6.50 X 50909 0 0 S NARENDRA DIRECTOR 6.50 X 11250 0 0 M DAMM DIRECTOR 6.50 X 45759 0 0 D NAKATA DIRECTOR 6.50 X 45000 0 0 F TRIPP DIRECTOR 6.50 X 45699 0 0 R STUART PRESIDENT/CEO 50.00 X 2896186 0 810427 J HUNT SVP/CHIEF FINANCIAL OFFICER 45.00 X 1397916 0 422740 S LEUGERS SVP/CHIEF LENDING OFFICER 45.00 X 884640 0 331185 T MCVAY SVP/CHIEF RETAIL OFFICER 45.00 X 1347684 0 405752 V ERVIN SVP/CHIEF COMPLIANCE OFFICER 45.00 X 1164727 0 33176 J ARMSTRONG SVP/CHIEF INFORMATION OFFICER 45.00 X 1137491 0 369499 J DUNCKLEY SVP/CHIEF TALENT OFFICER 45.00 X 306194 0 38369 T CLEVENGER SVP/CHIEF MARKETING OFFICER 45.00 X 273527 0 24527 C ANDERSON SVP/CHIEF RISK OFFICER 45.00 X 206748 0 11787 W OLIVER SVP/CHIEF LEGAL OFFICER 45.00 X 199606 0 22459 A EMERSON VP/ONPOINT MORTGAGE 45.00 X 644121 0 149497 M CASIANO MORTGAGE LOAN OFFICER 45.00 X 499425 0 36633 C SCHRECK MORTGAGE SALES MANAGER 45.00 X 435208 0 48702 M LINDSAY-LIPKINS VP/ONPOINT INVESTMENT SERVICES 45.00 X 393240 0 40067 J CHESTNUT MORTGAGE LOAN OFFICER 45.00 X 370347 0 50384 12561971 0 2795204 191 0 1 0 FISERV INC 75 REMITTANCE DR STE 6959 CHICAGO IL 60675 CARD & ATM NETWORK PROCESSING 14242813 PAYMENT SYSTEMS FOR CREDIT UNION 560 CARILLON PARKWAY ST PETERSBURG FL 33176 CREDIT CARD PROCESSING 8891833 VISA PO BOX 8999 SAN FRANCISCO CA 94128 DEBIT & CREDIT CARD PROCESSING 7058427 Q2 SOFTWARE INC 2975 REGENT BLVD IRVING TX 75320 ONLINE BANKING 6795751 BORDERS PERRIN & NORRANDER INC 520 SW YAMHILL ST STE 950 PORTLAND OR 97204 MARKETING SERVICES 4434456 137 INTEREST MEMBER LOANS 522100 161526027 161526027 INTERCHANGE INCOME 522100 57269076 57269076 OTHER OPERATING INCOME 522100 24782133 23863833 918300 SERVICE FEES 522100 20331520 20049513 282007 263908756 77939456 77939456 171981885 3322132 191535831 166152 -19553946 3155980 -16397966 -16397966 325450246 262708449 1200307 61541490 X 2462178 12689551 66188322 5103908 13190721 7120732 208005 185250 32472553 11511505 15315517 11575782 13366015 621460 506499 10577299 6268171 498225 LOAN LOSS PROVISION 3330151 7618494 220810338 3178609682 1624325876 8615929 11443410 16401564 24491485 3941668566 4694392019 7328332 7176030 80885299 39848788 38122249 41036511 1691929718 2259740606 91959514 89036859 65733510 173943742 9040369064 8925586538 100400316 220031573 4972233 4255229 3571291 3731340 7986840842 7765602167 8095784682 7993620309 X 0 0 0 0 944584382 931966229 944584382 931966229 9040369064 8925586538 104639908 -117258061 0 X 0 1 X 1 0 25000 0 25000 25000 1 NORTHWEST CREDIT UNION ASSOCIATION 18000 INTL BLVD 350 SEATAC WA 98188 910460483 25000 PART I-A, LINE 1: ANNUAL CONTRIBUTIONS TO THE CREDIT UNION LEGISLATIVE ACTION FUND, WHICH ENHANCES CREDIT UNION VISIBILITY AMONG LAWMAKERS AND BUILDS STRONG POLITICAL RELATIONSHIPS. 0 1 X 3415986 3415986 6021454 1781479 4239975 34676541 18521596 16154945 26652696 19203483 7449213 10118622 342230 9776392 41036511 SAVINGS 3848056980 CHECKING 2424891719 MONEY MARKET ACCOUNTS 888753069 INDIVIDUAL RETIREMENT ACCOUNTS 195692649 CERTIFICATES OF DEPOSIT 408207750 7765602167 X 208192185 -117258061 -117258061 325450246 0 325450246 220810338 0 220810338 0 220810338 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, LINE 2: THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL INCOME TAXES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION DESCRIBED IN IRC SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. EXEMPT ORGANIZATION AND UNRELATED BUSINESS INCOME TAX RETURNS ARE FILED ANNUALLY WITH THE APPLICABLE FEDERAL, STATE, AND LOCAL TAX JURISDICTIONS. 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, 2022 AND 2021, MANAGEMENT HAS DETERMINED THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. THE CREDIT UNION RECOGNIZES INTEREST ACCRUED AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS AS AN ADMINISTRATIVE EXPENSE. NO INTEREST OR PENALTIES WERE RECOGNIZED FOR THE YEARS ENDED DECEMBER 31, 2022 AND 2021. 1 CHILDREN'S MIRACLE NETWORK HOSPITALS 205 WEST 700 SOUTH SALT LAKE CITY UT 84101 870387205 501(C)(3) 92275 0 COMMUNITY OUTREACH BLACK UNITED FUND OF OREGON 2828 NE ALBERTA ST PORTLAND OR 97211 930843267 501(C)(3) 80000 0 COMMUNITY OUTREACH CASCADE AIDS PROJECT 208 SW 5TH AVENUE SUITE 800 PORTLAND OR 97204 930903383 501(C)(3) 74356 0 COMMUNITY OUTREACH JUNIOR ACHIEVEMENT OF OREGON & 7830 SE FOSTER RD PORTLAND OR 97206 930384007 501(C)(3) 67000 0 COMMUNITY OUTREACH CHILDREN'S CANCER ASSOCIATION 1200 NW NAITO PARKWAY STE 140 PORTLAND OR 97209 931181662 501(C)(3) 64593 0 COMMUNITY OUTREACH BIG BROTHER BIG SISTERS COLUMBIA NORTHWEST 6443 SW BEAVERTON-HILLSDALE HWY SUITE 200 PORTLAND OR 97221 931303640 501(C)(3) 55056 0 COMMUNITY OUTREACH SOLVE 1501 SW JEFFERSON ST PORTLAND OR 97201 930579286 501(C)(3) 55000 0 COMMUNITY OUTREACH FINANCIAL BEGINNINGS CORPORATION 1326 SW 12TH AVE STE 300 PORTLAND OR 97201 814643539 501(C)(3) 50000 0 COMMUNITY OUTREACH SCHOOLHOUSE SUPPLIES 2735 NE 82ND AVENUE PORTLAND OR 97220 204223437 501(C)(3) 45000 0 COMMUNITY OUTREACH OREGON HEALTH AND SCIENCE UNIVERSITY FOUNDATION 2020 SW 4TH AVENUE SUITE 900 PORTLAND OR 97201 237083114 501(C)(3) 40000 0 COMMUNITY OUTREACH OREGON FOOD BANK PO BOX 55370 PORTLAND OR 97238 930785786 501(C)(3) 39300 0 COMMUNITY OUTREACH GIRLS BUILD 2303 N RANDOLPH AVE PORTLAND OR 97227 811411091 501(C)(3) 37806 0 COMMUNITY OUTREACH NEW AVENUES FOR YOUTH 1220 SW COLUMBIA STREET PORTLAND OR 97201 930910213 501(C)(3) 30000 0 COMMUNITY OUTREACH URBAN LEAGUE OF PORTLAND 10 NORTH RUSSELL STREET PORTLAND OR 97227 930395590 501(C)(3) 30000 0 COMMUNITY OUTREACH BLANCHET HOUSE OF HOSPITALITY 310 NW GLISAN ST PORTLAND OR 97209 936031009 501(C)(3) 26000 0 COMMUNITY OUTREACH RAPHAEL HOUSE OF PORTLAND 4110 SE HAWTHORNE BLVD SUITE 503 PORTLAND OR 97214 930710963 501(C)(3) 25520 0 COMMUNITY OUTREACH HACIENDA COMMUNITY DEVELOPMENT CORP 6700 NE KILLINGSWORTH ST PORTLAND OR 97206 930979064 501(C)(3) 25512 0 COMMUNITY OUTREACH APANO COMMUNITIES UNITED FUND 8188 SE DIVISION ST PORTLAND OR 97206 800252850 501(C)(3) 25000 0 COMMUNITY OUTREACH COALITION OF COMMUNITIES OF COLOR 503 NW 2ND AVE STE 303 PORTLAND OR 97209 474448490 501(C)(3) 25000 0 COMMUNITY OUTREACH FRESH WATER TRUST 700 SW TAYLOR ST 200 PORTLAND OR 97205 930843521 501(C)(3) 25000 0 COMMUNITY OUTREACH HABITAT FOR HUMANITY PO BOX 11527 PORTLAND OR 97211 930801200 501(C)(3) 25000 0 COMMUNITY OUTREACH NATIVE AMERICAN YOUTH AND FAMILY CENTER 5135 NE COLUMBIA BLVD PORTLAND OR 97218 931141536 501(C)(3) 25000 0 COMMUNITY OUTREACH SELF ENHANCEMENT INC 3920 N KERBY AVE PORTLAND OR 97217 931086629 501(C)(3) 25000 0 COMMUNITY OUTREACH THE NATURE CONSERVANCY 821 SE 14TH AVE PORTLAND OR 97214 530242652 501(C)(3) 25000 0 COMMUNITY OUTREACH PORTLAND ROSE FESTIVAL FOUNDATION 1020 SW NAITO PARKWAY PORTLAND OR 97204 930333036 501(C)(3) 22500 0 COMMUNITY OUTREACH BOYS AND GIRLS CLUB PORTLAND METROPOLITAN AREA 8203 SE 7TH AVE STE 100 PORTLAND OR 97202 930474800 501(C)(3) 20000 0 COMMUNITY OUTREACH IN4ALL 4535 SW 96TH AVE BEAVERTON OR 97005 930900111 501(C)(3) 20000 0 COMMUNITY OUTREACH NEIGHBORHOOD PARTNERSHIPS 2501 SW 1ST AVE 120 PORTLAND OR 97201 911943624 501(C)(3) 20000 0 COMMUNITY OUTREACH OREGON ENVIRONMENTAL COUNCIL PO BOX 14822 PORTLAND OR 97293 930578714 501(C)(3) 20000 0 COMMUNITY OUTREACH OREGON MUSEUM OF SCIENCE AND INDUSTRY 1945 SE WATER AVENUE PORTLAND OR 97214 930402877 501(C)(3) 20000 0 COMMUNITY OUTREACH RANDALL CHILDREN'S HOSPITAL 2801 N GANTENBEIN AVE PORTLAND OR 97227 931314469 501(C)(3) 20000 0 COMMUNITY OUTREACH UNITE OREGON 1390 SE 122ND AVE PORTLAND OR 97233 743098100 501(C)(3) 15000 0 COMMUNITY OUTREACH AMERICAN RED CROSS 431 18TH ST NW WASHINGTON DC 20006 591748379 501(C)(3) 14000 0 COMMUNITY OUTREACH GIRLS INC OF THE PACIFIC NORTHWEST 4800 SW MACADAM AVE STE 309 PORTLAND OR 97239 542073930 501(C)(3) 13500 0 COMMUNITY OUTREACH DE LA SALLE NORTH CATHOLIC HIGH SCHOOL 7528 N FENWICK AVENUE PORTLAND OR 97217 931287554 501(C)(3) 13000 0 COMMUNITY OUTREACH SUNSHINE DIVISION 687 N THOMPSON PORTLAND OR 97227 930429354 501(C)(3) 12000 0 COMMUNITY OUTREACH LATINO NETWORK 410 NE 18TH AVE PORTLAND OR 97232 823099013 501(C)(3) 11813 0 COMMUNITY OUTREACH NORTH CLACKAMAS EDUCATION FOUNDATION 6031 SE KING RD MILWAUKIE OR 97222 931114786 501(C)(3) 10650 0 COMMUNITY OUTREACH UNITED WAY PO BOX 4406 PORTLAND OR 97208 930582124 501(C)(3) 10086 0 COMMUNITY OUTREACH ADELANTE MUJERES 2030 MAIN STREET STE A FOREST GROVE OR 97116 030473181 501(C)(3) 10000 0 COMMUNITY OUTREACH ALL HANDS RAISED 2069 NE HOYT ST PORTLAND OR 97232 931149789 501(C)(3) 10000 0 COMMUNITY OUTREACH COLLEGE POSSIBLE 532 SE GRAND AVE PORTLAND OR 97214 411968798 501(C)(3) 10000 0 COMMUNITY OUTREACH COMMUNITY ACTION 1001 SW BASELINE ST HILLSBORO OR 97123 930554941 501(C)(3) 10000 0 COMMUNITY OUTREACH DEVNW PO BOX 790 CORVALLIS OR 97339 931057296 501(C)(3) 10000 0 COMMUNITY OUTREACH ECOTRUST 721 NW 9TH AVE PORTLAND OR 97209 931050144 501(C)(3) 10000 0 COMMUNITY OUTREACH FOUNDATION FOR VANCOUVER PUBLIC SCHOOLS PO BOX 6039 VANCOUVER WA 98668 910971800 501(C)(3) 10000 0 COMMUNITY OUTREACH FRIENDS OF THE CHILDREN PORTLAND 44 NE MORRIS PORTLAND OR 97212 931300690 501(C)(3) 10000 0 COMMUNITY OUTREACH FUTURE BUSINESS LEADERS OF AMERICA - OREGON PO BOX 1440 OWASSO OK 74055 237156121 501(C)(3) 10000 0 COMMUNITY OUTREACH HISTORIC PARKROSE PO BOX 20636 PORTLAND OR 97294 454999599 501(C)(3) 10000 0 COMMUNITY OUTREACH IMMIGRANT AND REFUGEE COMMUNITY ORGANIZATION 10301 NE GLISAN ST PORTLAND OR 97220 930806295 501(C)(3) 10000 0 COMMUNITY OUTREACH IMPACT NW PO BOX 33530 PORTLAND OR 97292 930557964 501(C)(3) 10000 0 COMMUNITY OUTREACH KAIROSPDX 4915 N GANTENBEIN AVE PORLTAND OR 97217 460987167 501(C)(3) 10000 0 COMMUNITY OUTREACH LIFEWORKS NW 5415 SW WESTGATE DR PORTLAND OR 97221 930502822 501(C)(3) 10000 0 COMMUNITY OUTREACH MEALS ON WHEELS PEOPLE 7710 SW 31ST AVE PORTLAND OR 97219 930584318 501(C)(3) 10000 0 COMMUNITY OUTREACH NAMI OREGON 147 SE 102ND AVE PORTLAND OR 97216 930875209 501(C)(3) 10000 0 COMMUNITY OUTREACH NEIGHBORHOOD HOUSE 7780 SW CAPITOL HWY PORTLAND OR 97219 930386875 501(C)(3) 10000 0 COMMUNITY OUTREACH OPEN SCHOOL 16570 SE OAK ST PORTLAND OR 97233 930757378 501(C)(3) 10000 0 COMMUNITY OUTREACH OREGON COMMUNITY FOUNDATION 1221 SW YAMHILL ST SUITE 100 PORTLAND OR 97205 237315673 501(C)(3) 10000 0 COMMUNITY OUTREACH OREGON STATE UNIVERSITY GEAR UP 110 SNELL HALL CORVALLIS OR 97331 936022772 501(C)(3) 10000 0 COMMUNITY OUTREACH OREGON ZOO 4001 SW CANYON RD PORTLAND OR 97221 930718337 501(C)(3) 10000 0 COMMUNITY OUTREACH OUTSIDE IN 1030 SW 13TH AVE PORTLAND OR 97205 930567549 501(C)(3) 10000 0 COMMUNITY OUTREACH PARKS FOUNDATION OF CLARK COUNTY PO BOX 61424 VANCOUVER WA 98666 911986747 501(C)(3) 10000 0 COMMUNITY OUTREACH PORTLAND BACKPACK 2620 NE FREMONT ST PORTLAND OR 97212 821797993 501(C)(3) 10000 0 COMMUNITY OUTREACH PORTLAND HOUSING CENTER 3233 NE SANDY BLVD PORTLAND OR 97232 931111589 501(C)(3) 10000 0 COMMUNITY OUTREACH PORTLAND PARKS & RECREATION 1120 SW 5TH AVE SUITE 1302 PORTLAND OR 97204 931319970 501(C)(3) 10000 0 COMMUNITY OUTREACH PRIDE DAY EQUALITY PROJECT PO BOX 1321 EUGENE OR 97440 931191034 501(C)(3) 10000 0 COMMUNITY OUTREACH PROUD GROUND 5288 N INTERSTATE AVE PORTLAND OR 97217 931290320 501(C)(3) 10000 0 COMMUNITY OUTREACH READING RESULTS 3115 NE SANDY BLVD STE 229 PORTLAND OR 97232 201760894 501(C)(3) 10000 0 COMMUNITY OUTREACH SERENDIPITY CENTER INC PO BOX 33350 PORTLAND OR 97292 930730861 501(C)(3) 10000 0 COMMUNITY OUTREACH SHARE INC 2306 NE ANDRESEN ROAD VANCOUVER WA 98661 911205119 501(C)(3) 10000 0 COMMUNITY OUTREACH SISTERS KIWANIS FOOD BANK 328 W MAIN AVE SISTERS OR 97759 931070832 501(C)(3) 10000 0 COMMUNITY OUTREACH THE DOUGY CENTER PO BOX 86852 PORTLAND OR 97286 930833241 501(C)(3) 10000 0 COMMUNITY OUTREACH TRANSITION PROJECTS 665 NW HOYT STREET PORTLAND OR 97209 930591582 501(C)(3) 10000 0 COMMUNITY OUTREACH VANCOUVER LEMONADE DAY 1111 MAIN ST SUITE 201 VANCOUVER WA 98660 883497204 501(C)(3) 10000 0 COMMUNITY OUTREACH WORLDWIDE FOUNDATION FOR CREDIT UNIONS 5710 MINERAL POINT RD MADISON WI 53705 396093210 501(C)(3) 10000 0 COMMUNITY OUTREACH XXCELERATE 2609 SE 6TH AVE PORTLAND OR 97202 821200543 501(C)(3) 10000 0 COMMUNITY OUTREACH YOUTH VILLAGES 2507 CHRISTIE DR LAKE OSWEGO OR 97034 581716970 501(C)(3) 10000 0 COMMUNITY OUTREACH FAMILY OF FRIENDS MENTORING 1333 NW EASTMAN PARKWAY GRESHAM OR 97030 813568151 501(C)(3) 8500 0 COMMUNITY OUTREACH PORTLAND STATE UNIVERSITY FOUNDATION 1600 SW 4TH AVE 730 PORTLAND OR 97201 930619733 501(C)(3) 7500 0 COMMUNITY OUTREACH PORTLAND WORKFORCE ALLIANCE 7100 SE DIVISION ST PORTLAND OR 97206 272964874 501(C)(3) 7500 0 COMMUNITY OUTREACH UNITED WAY OF LANE COUNTY 3171 GATEWAY LOOP SPRINGFIELD OR 97477 930394142 501(C)(3) 7500 0 COMMUNITY OUTREACH BASIC RIGHTS OREGON 620 SW 5TH AVE 1210 PORTLAND OR 97204 931108531 501(C)(3) 6000 0 COMMUNITY OUTREACH MARION-POLK FOOD SHARE 1660 SALEM INDUSTRIAL DR NE SALEM OR 97301 943034161 501(C)(3) 6000 0 COMMUNITY OUTREACH VOLUNTEERS OF AMERICA 3910 SE STARK PORTLAND OR 97214 930395591 501(C)(3) 6000 0 COMMUNITY OUTREACH VIRGINIA GARCIA MEMORIAL FOUNDATION PO BOX 6149 ALOHA OR 97007 912077840 501(C)(3) 5250 0 COMMUNITY OUTREACH THE CONTINGENT 809 N RUSSELL SUITE 203 PORTLAND OR 97227 264224606 501(C)(3) 10000 0 COMMUNITY OUTREACH PINK LEMONADE PROJECT 1207 WASHINGTON VANCOUVER WA 98660 371699288 501(C)(3) 10000 0 COMMUNITY OUTREACH 87 0 PART I, LINE 2: ONPOINT REVIEWS REQUESTS FOR DONATIONS AND REQUESTS ALL RECIPIENTS PROVIDE A RECEIPT VERIFYING THEIR 501(C)(3) STATUS. NO FORMAL MONITORING OF GRANTS OR DONATIONS IS PERFORMED, BUT ONPOINT PERIODICALLY PERFORMS INFORMAL FOLLOW-UPS WITH RECIPIENTS. THE ANNUAL CLIFFORD C. DIAS LEADERSHIP SCHOLARSHIP PROGRAM WAS APPROVED BY THE BOARD, ALLOWING MR. DIAS TO SELECT RECIPIENTS AT HIS DISCRETION. X X X X 1 1 X X X X 1 1 0 R STUART PRESIDENT/CEO 698584 0 548838 0 1648764 0 800344 0 10083 0 3706613 0 1129546 0 J HUNT SVP/CHIEF FINANCIAL OFFICER 365667 0 261130 0 771119 0 408436 0 14304 0 1820656 0 549371 0 T MCVAY SVP/CHIEF RETAIL OFFICER 342654 0 246558 0 758472 0 385007 0 20745 0 1753436 0 525908 0 J ARMSTRONG SVP/CHIEF INFORMATION OFFICER 312690 0 246963 0 577838 0 353741 0 15758 0 1506990 0 467909 0 S LEUGERS SVP/CHIEF LENDING OFFICER 274463 0 199072 0 411105 0 310440 0 20745 0 1215825 0 263364 0 V ERVIN SVP/CHIEF COMPLIANCE OFFICER 64453 0 182910 0 917364 0 30500 0 2676 0 1197903 0 235347 0 A EMERSON VP/ONPOINT MORTGAGE 130000 0 509847 0 4274 0 131295 0 18202 0 793618 0 0 0 M CASIANO MORTGAGE LOAN OFFICER 0 0 495181 0 4244 0 22329 0 14304 0 536058 0 0 0 C SCHRECK MORTGAGE SALES MANAGER 52800 0 379254 0 3154 0 30500 0 18202 0 483910 0 0 0 M LINDSAY-LIPKINS VP/ONPOINT INVESTMENT SERVICES 143917 0 247609 0 1714 0 30500 0 9567 0 433307 0 0 0 J CHESTNUT MORTGAGE LOAN OFFICER 0 0 359715 0 10632 0 29639 0 20745 0 420731 0 0 0 J DUNCKLEY SVP/CHIEF TALENT OFFICER 131870 0 149403 0 24921 0 30500 0 7869 0 344563 0 0 0 T CLEVENGER SVP/CHIEF MARKETING OFFICER 245926 0 25000 0 2601 0 12709 0 11818 0 298054 0 0 0 W OLIVER SVP/CHIEF LEGAL OFFICER 135767 0 59835 0 4004 0 16479 0 5980 0 222065 0 0 0 C ANDERSON SVP/CHIEF RISK OFFICER 140284 0 65000 0 1464 0 7003 0 4784 0 218535 0 0 0 PART I, LINE 1A * FIRST-CLASS TRAVEL - PRESIDENT/CEO & ALL DIRECTORS (9 PEOPLE); NOT TAXABLE TO INDIVIDUALS AS SUCH TRAVEL IS REASONABLE AND CUSTOMARY WITHIN THE INDUSTRY FOR HIGH-LEVEL EXECUTIVES. THE BOARD HAS APPROVED SUCH TRAVEL IN LIMITED CIRCUMSTANCES AND SUBSTANTIATION OF ALL EXPENSES IS REQUIRED. * TRAVEL FOR COMPANIONS - ALL DIRECTORS (8 PEOPLE); TAXABLE TO INDIVIDUALS * HEALTH OR SOCIAL CLUB DUES - PRESIDENT/CEO; TAXABLE TO INDIVIDUALS * PERSONAL SERVICES - PRESIDENT/CEO AND SENIOR EXECUTIVES (7 PEOPLE); TAXABLE TO INDIVIDUALS PART I, LINES 4A-B THE FOLLOWING INDIVIDUAL RECEIVED SEVERANCE IN 2022: V. ERVIN - $554,094 THE FOLLOWING INDIVIDUALS RECEIVED PAYMENTS FROM A 457(F) PLAN, AMOUNTS THAT WERE REPORTED AS DEFERRED ON THE PRIOR YEAR FORMS 990 ARE INCLUDED IN PART II, COLUMN (F). R. STUART - $1,558,794 J. HUNT - $738,164 S. LEUGERS - $398,653 T. MCVAY - $722,518 V. ERVIN - $327,589 J. ARMSTRONG - $554,160 PART I: 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 PROGRAM FOR THE PRESIDENT/CEO IS TIED TO GEOGRAPHIC STUDIES OF SALARIES AND BENEFITS PERFORMED BY PROFESSIONAL ORGANIZATIONS WITH EXPERTISE IN THE AREA OF COMPENSATION. THESE INCLUDED THE PEARL MEYER 2022 TOP CEO TOTAL COMPENSATION SURVEY REPORT, THE 2022 TOWERS WATSON EXECUTIVE COMPENSATION PAY ASSESSMENT AND A 2021 CEO COMPENSATION STUDY PROVIDED BY MERCER. FORM 990, PART VI, SECTION A, LINE 6 ONPOINT COMMUNITY CREDIT UNION IS A NATURAL PERSON CREDIT UNION, OWNED BY ITS MEMBERS. AT 12/31/22, THERE WERE 503,078 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 SLATE OF CANDIDATES PUT FORTH BY THE NOMINATING COMMITTEE PRIOR TO 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 11B INFORMATION FOR THE COMPLETION OF FORM 990 WAS GATHERED BY THE CREDIT UNION'S ACCOUNTING DEPARTMENT. AN OUTSIDE ACCOUNTING FIRM PREPARED THE TAX RETURN AND IT WAS PROVIDED TO THE BOARD OF DIRECTORS PRIOR TO FILING. 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 CONFLICT OF INTEREST POLICY. THE BOARD OF DIRECTORS ANNUALLY ADOPTS 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, 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 PROGRAM FOR THE PRESIDENT/CEO IS TIED TO GEOGRAPHIC STUDIES OF SALARIES AND BENEFITS PERFORMED BY PROFESSIONAL ORGANIZATIONS WITH EXPERTISE IN THE AREA OF COMPENSATION. THESE INCLUDED THE PEARL MEYER 2022 TOP CEO TOTAL COMPENSATION SURVEY REPORT AND A 2022 CEO COMPENSATION STUDY PROVIDED BY MERCER. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE MADE AVAILABLE UPON WRITTEN REQUEST. FORM 990, PART IX, LINE 11G CARD FEES 17,072,851. LOAN FEES 2,969,585. OTHER OUTSIDE SERVICES 12,430,117. ONPOINT SERVICE GROUP LLC 2701 NW VAUGHN ST STE 800 PORTLAND OR 97210 INACTIVE OR 0 0 ONPOINT COMMUNITY CREDIT UNION