2023-12-12T17:13:34-06:00 2022-12-31 810987947 HAUSER JONES & SAS PLLC 10940 NE 33RD PLACE SUITE 100 BELLEVUE WA 98004 990 2022-01-01 820262758 FREEDOM NORTHWEST CREDIT UNION FREE 2089350277 PO BOX 68 KAMIAH ID 83536 GREGORY S GARRETT CEO 2089350277 2023-12-12 1 GREGORY GARRETT 999009999 0 LINDSEY SAS CPA P01620141 4258891778 2023-12-12 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z X GREGORY S GARRETT 303 MAIN STREET KAMIAH ID 83536 27456770 0 X WWW.FNWCU.ORG X 1963 ID STATE CHARTERED CREDIT UNION 7 7 56 10 0 0 1826265 296782 19252462 25211889 568157 1551169 857800 49371 22504684 27109211 0 160160 0 0 3928738 4356719 0 0 0 7852101 9370523 11780839 13887402 10723845 13221809 426143520 497919829 393583906 454261172 32559614 43658657 PROMOTING THE FINANCIAL WELL-BEING OF MEMBERS BY PROVIDING LOAN AND SAVINGS SERVICES AT COMPETITIVE RATES. 0 0 SAVINGS, LOANS, AND INVESTMENTS N/A N/A 0 1 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 23894 0 1 56 1 0 0 0 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 0 1 1 0 0 0 1 1 1 0 1 1 1 0 X FREEDOM NORTHWEST CREDIT UNION 2089350277 303 MAIN STREET KAMIAH ID 83536 TINA ULMER BOARD MEMBER 1.00 X 0 0 0 BETTY CLONIGER BOARD MEMBER 1.00 X 0 0 0 CARMON HENRY BOARD MEMBER 1.00 X 0 0 0 RODNEY KROGH VICE CHAIR 1.00 X X 0 0 0 ADAM MCMURTRIE TREASURER 1.00 X X 0 0 0 KEVIN STEERE CHAIR 1.00 X X 0 0 0 DAN TRANKLE SECRETARY 1.00 X X 0 0 0 GREGORY S GARRETT CEO 40.00 X 365120 0 32248 DON C BELISLE CFO 40.00 X 122042 0 8374 JAMES DAVY CIO 40.00 X 142000 0 17692 CINDY CHILDRES COO 40.00 X 105751 0 15517 CHAD N SMITH CLO 40.00 X 130375 0 11176 DANIEL MCFETRIDGE LOAN OFFICER 40.00 X 207011 0 21593 1072299 0 106600 6 0 1 0 0 296782 296782 LOANS TO MEMBERS 522100 21867445 21867445 SERVICES TO MEMBERS 522100 2959588 2959588 DEBIT/CREDIT INTERCHANGE INCOME 522100 289433 289433 CASD INCOME 522100 95423 95423 25211889 1898728 1898728 347559 -347559 -347559 -347559 OTHER OPERATING INCOME 522100 49371 49371 49371 27109211 24913701 0 1898728 130160 30000 507120 2930979 660945 257675 257043 65330 265809 179568 728199 141662 128388 1479 978794 388334 133336 DIVIDENDS AND INTEREST 4618100 CREDIT/DEBIT CARD EXPEN 906165 COLLECTION EXPENSE 109081 LOAN SERVICING EXPENSE 90318 378917 13887402 2534619 27019384 36691761 56870117 1871447 10318560 339081203 389420373 624351 654287 11762141 3079493 9243041 8682648 32282413 3814685 4954460 426143520 497919829 3436354 7216842 2654840 39500000 25500000 347992712 421544330 393583906 454261172 X 0 0 0 0 32559614 43658657 32559614 43658657 426143520 497919829 X 13221809 -1845085 -277681 X 0 0 0 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 SCHEDULE C, PART II-A, EXPLANATION OF FOUR YEAR AVERAGING PAID A FIRM TO SPECIFICALLY REPRESENT FNWCU LOBBYING EFFORTS FOR THE FOLLWING YEARS: 1. $22,000 WAS PAID IN 2019 YEAR 2. $46,500 WAS PAID IN 2020 YEAR 3. $39,000 WAS PAID IN 2021 YEAR 4. $57,000 WAS PAID IN 2022 YEAR 1618125 1618125 6342151 1041147 5301004 3801865 2038346 1763519 8682648 MEMBER CERTIFICATES 80258168 MEMBER INSTITUTIONAL CERTIFICATES 127387522 NONMEMBER DEPOSITS 28568500 MEMBER SHARES 185330140 421544330 0 CVHS SAFE AND SOBER 4643 HWY 13 KOOSKIA ID 83539 881757008 170(C)1 21250 0 DONATION MADE TO THE SAFE & SOBE EVENT. LEWIS COUNTY FAIR BARN 510 OAK STREET NEZPERCE ID 83543 826001748 170(C)1 10000 0 SUPPORT LOCAL FAIR EVENT KAMIAH HIGH SCHOOL 711 9TH STREET KAMIAH ID 83536 826004161 170(C)1 6000 0 SUPPORT LOCAL SCHOOL CASH GRANTS 3 30000 X X X 0 0 0 GREGORY S GARRETT CEO 253990 0 89951 0 21179 0 20500 0 11748 0 397368 0 0 0 DANIEL MCFETRIDGE LOAN OFFICER 88769 0 107010 0 11232 0 12421 0 9172 0 228604 0 0 0 JAMES DAVY CIO 115463 0 12000 0 14537 0 8520 0 9172 0 159692 0 0 0 CHARLES MCMURTRIE TREASURER CONSUMER LOAN X 200000 148416 0 1 1 CHARLES MCMURTRIE TREASURER CONSUMER LOAN X 70000 8738 0 1 1 CHARLES MCMURTRIE TREASURER CONSUMER LOAN X 26000 2730 0 1 1 CHARLES MCMURTRIE TREASURER CONSUMER LOAN X 384164 352653 0 1 1 CHARLES MCMURTRIE TREASURER CONSUMER LOAN X 28956 24689 0 1 1 CHARLES MCMURTRIE TREASURER CONSUMER LOAN X 75404 75007 0 1 1 CHARLES MCMURTRIE TREASURER CONSUMER LOAN X 790000 790000 0 1 1 CARMON HENRY DIRECTOR CONSUMER LOAN X 400000 388955 0 1 1 CARMON HENRY DIRECTOR CONSUMER LOAN X 88236 70863 0 1 1 CARMON HENRY DIRECTOR CONSUMER LOAN X 74459 62509 0 1 1 RODNEY KROGH BOARD MEMBER CONSUMER LOAN X 5000 91 0 1 1 KEVIN STEERE VIC CHAIR CONSUMER LOAN X 110000 95153 0 1 1 DANIEL TRANKLE SECRETARY CONSUMER LOAN X 29300 15228 0 1 1 GREGORY GARRETT EXECUTIVE STAFF CONSUMER LOAN X 10000 24030 0 1 1 GREGORY GARRETT EXECUTIVE STAFF CONSUMER LOAN X 220447 218484 0 1 1 GREGORY GARRETT EXECUTIVE STAFF CONSUMER LOAN X 370000 358142 0 1 1 GREGORY GARRETT EXECUTIVE STAFF CONSUMER LOAN X 5000 4803 0 1 1 GREGORY GARRETT EXECUTIVE STAFF SPLIT DOLLAR LIFE INSURANCE X 6404550 2918509 0 1 1 GREGORY GARRETT EXECUTIVE STAFF SPLIT DOLLAR LIFE INSURANCE X 3756261 1497088 0 1 1 JAMEY HIX SUPERVISORY COMMITTEE CONSUMER LOAN X 198000 195219 0 1 1 JERRY CLONINGER BOARD MEMBER CONSUMER LOAN X 399900 399900 0 1 1 DOUGLAS ULMER BOARD MEMBER CONSUMER LOAN X 57603 24728 0 1 1 DOUGLAS ULMER BOARD MEMBER CONSUMER LOAN X 72500 69623 0 1 1 CHAD SMITH EXECUTIVE STAFF CONSUMER LOAN X 280000 269148 0 1 1 KEVIN CHILDERS EXECUTIVE STAFF CONSUMER LOAN X 15000 15000 0 1 1 KEVIN CHILDERS EXECUTIVE STAFF CONSUMER LOAN X 11926 3619 0 1 1 KEVIN CHILDERS EXECUTIVE STAFF CONSUMER LOAN X 30542 21015 0 1 1 KEVIN CHILDERS EXECUTIVE STAFF CONSUMER LOAN X 27290 25154 0 1 1 KEVIN CHILDERS EXECUTIVE STAFF CONSUMER LOAN X 9500 8235 0 1 1 JAMES DAVY EXECUTIVE STAFF CONSUMER LOAN X 64000 61493 0 1 1 JAMES DAVY EXECUTIVE STAFF CONSUMER LOAN X 45000 41116 0 1 1 JAMES DAVY EXECUTIVE STAFF CONSUMER LOAN X 320000 311590 0 1 1 JAMES DAVY EXECUTIVE STAFF SPLIT DOLLAR LIFE INSURANCE X 2065498 823050 0 1 1 LEIGH DAVIS EXECUTIVE STAFF CONSUMER LOAN X 44031 39882 0 1 1 CINDY J CHILDERS EXECUTIVE STAFF SPLIT DOLLAR LIFE INSURANCE X 1853449 953700 0 1 1 10318560 FORM 990, PART VI, SECTION A, LINE 6 CLASSES OF MEMBERS OR STOCKHOLDERS ALL DEPOSITORS ARE MEMBERS OF THE CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 7A ELECTION OF MEMBERS AND THEIR RIGHTS MEMBERS OF THE CREDIT UNION ELECT THE BOARD OF DIRECTORS FROM THE GENERAL MEMBERSHIP AT THE ANNUAL MEETING EACH YEAR. FORM 990, PART VI, SECTION B, LINE 11B ORGANIZATION'S PROCESS TO REVIEW FORM 990 ALL BOARD MEMBERS RECEIVED AN ELECTRONIC COPY OF THE FORM 990. COMMENTS AND QUESTIONS FROM THE BOARD MEMBERS WERE ANSWERED OR RESOLVED BY THE CREDIT UNION OPERATIONS AND ACCOUNTING STAFF. FORM 990, PART VI, SECTION B, LINE 12C ENFORCEMENT OF CONFLICT POLICY CONFLICTS OF INTEREST ARE DISCUSSED WITH THE BOARD ON A REGULAR BASIS. ALL BOARD MEMBERS HAVE BEEN EDUCATED AS TO WHAT A CONFLICT OF INTEREST IS AND WILL REPORT ANY SUSPECTED CONFLICTS TO THE BOARD. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION PROCESS FOR TOP OFFICIAL FORMAL ANNUAL WRITTEN REVIEWS ARE CONDUCTED BY THE BOARD OF DIRECTORS FOR THE CEO. COMPENSATION PROCESS FOR OFFICERS FORMAL REVIEWS ARE DONE BY THE CEO ON A REGULAR BASIS AND AS NEEDED. FORM 990, PART VI, SECTION C, LINE 19 GOVERNING DOCUMENTS DISCLOSURE EXPLANATION DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART XI, LINE 9: PRIOR YEAR ADJUSTMENT -277,681. TAXPAYER ATTEMPTED TO EFILE THIS RETURN AND WAS REJECTED BECAUSE OF SUBCLASSIFICATION CODE MISMATCH. THE TAXPAYER FILED A PAPER RETURN WITHIN THE 10 DAY GRACE PERIOD. WE HAVE BEEN ATTEMPTING TO RESOLVE THE MISMATCH VIA PHONE CALLS WITH THE IRS. TODAY WE RECEIVED A PHONE CALL FROM AN IRS ANALYST WHO REQUESTED WE RESUBMIT THE RETURN ELECTRONICALLY.