2025-11-13T15:28:47-06:00 2024-12-31 954083485 TURNER WARREN HWANG & CONRAD ACCTCY 100 NORTH FIRST ST STE 202 BURBANK CA 91502 990 2024-01-01 951653038 FINANCIAL PARTNERS CREDIT UNION FINA 5629044208 7800 EAST IMPERIAL HIGHWAY DOWNEY CA 90242 MARY TORSNEY EVP/CFO 5629044208 2025-11-03 1 1 NATALIE HULL CPA P00089332 8189549700 2024 2025-03-06 01:10:19Z NADER MOGHADDAM 7800 EAST IMPERIAL HIGHWAY DOWNEY CA 90242 131855521 0 X WWW.FPCU.ORG X CREDIT UNION 1937 CA A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. 9 9 335 14 1092750 0 0 0 103116266 116045081 9078283 14411544 776275 1398896 112970824 131855521 99407 125435 0 0 33620925 33613917 0 0 0 74487810 94817409 108208142 128556761 4762682 3298760 2274502940 2241896241 2134414743 2094260029 140088197 147636212 X FINANCIAL PARTNERS CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, FINANCIAL PARTNERS CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. 0 0 THROUGH GRANTS FROM THE CDFI AND THE $35 MILLION IN SUPPLEMENTAL CAPITAL, CONTINUED TO EXPAND LENDING TO LOW AND MODERATE INCOME MEMBERS. RECEIVED $35,000,000 IN SUPPLEMENTAL CAPITAL LOANS THROUGH THE U.S. TREASURY DEPARTMENT'S EMERGENCY CAPITAL INVESTMENT PROGRAM (ECIP). RECEIVED ADDITIONAL GRANTS AS A CDFI (COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION) DESIGNATED CREDIT UNION, TO HELP LOW-INCOME COMMUNITIES BY PROVIDING ACCESS TO FINANCIAL PRODUCTS AND SERVICES FOR LOCAL RESIDENTS AND BUSINESSES. 0 0 1 0 0 0 0 0 0 1 0 1 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 0 0 0 0 0 0 0 1 0 1 0 0 1 31244 0 1 335 1 1 1 0 0 0 0 0 1 0 X 9 9 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 0 0 CA X X MARY TORSNEY EVPCFO 5629044213 7800 EAST IMPERIAL HIGHWAY DOWNEY CA 90242 YVES PINKOWITZ CHAIRPERSON 1.00 X 6321 0 0 DR WILLIAM FEASTER VICE CHAIRPERSON 1.00 X 0 0 0 ALAN BERGMAN TREASURER 1.00 X 5753 0 0 DONNA CLAWSON SECRETARY 1.00 X 3489 0 0 RALPH CROWTHER BOARD MEMBER 1.00 X 0 0 0 PAUL GEERY BOARD MEMBER 1.00 X 6716 0 0 MARIO GUERRA BOARD MEMBER 1.00 X 2877 0 0 ALEX SAAB BOARD MEMBER 1.00 X 4793 0 0 BARBARA SMITH BOARD MEMBER 1.00 X 3749 0 0 JOE SPETZ EMERITUS 1.00 X 0 0 0 CARYN PHILLIPS SUPV CMTE CHAIRPERSON 1.00 X 2570 0 0 STEVE KOESTER SUPV CMTE MEMBER 1.00 X 3358 0 0 VINCE WORKMAN SUPV CMTE MEMBER 1.00 X 0 0 0 NADER MOGHADDAM PRESIDENT/CEO 1.00 X 1189307 0 61909 MARY TORSNEY EVP/CFO 40.00 X 472359 0 26181 CAMBRIA BRIGGSFORMER SVP HUMAN RESOURCES 40.00 X 715912 0 13083 WANDA A WILLIAMS EVP/CAO 40.00 X 660546 0 47287 DARREN HERRMANN EVP/COO 40.00 X 429809 0 49882 JILL HALL ERPS SVP/CRO 40.00 X 293153 0 67629 LORI REEVESFORMER SVP CHIEF MARKETING OFFICER 40.00 X 290210 0 0 MARIO OSORIO SVP INVESTMENT AND INSURANCE 40.00 X 250237 0 24917 FRANKLIN SCOTT ORTWINE VP/CIO 40.00 X 239266 0 16923 KAMIL SAKICI SVP CHIEF STRATEGY OFFICER 40.00 X 214990 0 30890 MATTHEW PAUL HERRICK EVP CHIEF REVENUE OFFICER 40.00 X 209220 0 19144 ERIC ZITTEL SVP CHIEF LENDING OFFICER 40.00 X 178680 0 12708 JUSTIN CHANG VP COMMERCIAL LENDING 40.00 X 280461 0 39577 JUAN A JIMENEZ-LINDMEIER VP REAL ESTATE LENDING 40.00 X 261771 0 49265 MICHAEL STAVRAKIS VP FINANCE 40.00 X 239810 0 30500 CHRISTOPHER A MARQUEZ VP IT INFRASTRUCTURE 40.00 X 231693 0 22213 DENNIS DONNELLY VP MEMBER CONTACT CENTER 40.00 X 224894 0 4637 STEPHANIE HEGLAR VP RISK MANAGEMENT 40.00 X 218971 0 44635 ERIC JOHNSON VP CONTROLLER 40.00 X 216180 0 29709 TRAVIS LONG VP ENTERPRISE PROJECT MANAGEMENT 40.00 X 210771 0 47287 ANGELO GEORGE COX VP FACILITIES PURCHASING & PHYSICAL SECURITY 40.00 X 210420 0 42549 EVAN K ALBERTAZZI VP DIGITAL DELIVERY 40.00 X 201817 0 54409 JOANN FORTE VP LOAN RESOLUTION 40.00 X 198777 0 31549 BRIAN EDWARD SIEGEL VP MARKETING 40.00 X 185286 0 28781 ANDREA PORTILLO VP LOAN SERVICING 40.00 X 167907 0 18875 JEANETTE MARDESIC VP BRANCH DELIVERY 40.00 X 157973 0 30685 ADAM WASS FINANCIAL CONSULTANT 40.00 X 332202 0 44635 HARIBABU KRISHNAMOORTHY DIRECTOR, PROGRAMMING & DEVELOPMENT 40.00 X 223588 0 34877 LARRY ROMERO SENIOR COMMERCIAL LOAN OFFICER 40.00 X 198715 0 14135 ALEX SALDANA DIRECTOR, MEMBER ADVICE CENTER 40.00 X 178310 0 45213 ANTHONY L KENDZIORSKI DIRECTOR, NETWORK & SYSTEMS INFRASTRUCTURE 40.00 X 163071 0 43047 9285932 0 1027131 86 1 1 0 0 INTEREST ON LOANS 522100 86484021 86484021 OTHER OPERATING INCOME 522100 23546547 22513456 1033091 FEE INCOME 522100 6014513 5954854 59659 116045081 14411544 14411544 OTHER NON-INTEREST INC 522100 900000 900000 GAIN ON SALES OF LOANS 522100 433897 433897 GAIN ON DISPOSAL OF AT 522100 64999 64999 1398896 131855521 130762771 1092750 0 125435 9285932 18545185 939343 2727053 2116404 379708 535467 3188930 1549765 4464130 4882617 3386958 770214 52687680 2590127 266086 PROVISION FOR LOAN & LE 10250177 LOAN SERVICING EXPENSE 7027357 MISC OPERATING EXPENSES 2438133 OPERATING FEES 261620 138440 128556761 35739994 27202047 78279177 77580757 31587497 30846399 3285620 4630857 52098786 25647087 28238777 26451699 185283741 255079863 1830764757 1726282526 25299 6050 81298078 93816043 2274502940 2241896241 32045772 26876090 2102368971 2067383939 2134414743 2094260029 X 0 0 0 0 140088197 147636212 140088197 147636212 2274502940 2241896241 3298760 4249255 0 X X 0 1 X 1 0 13000 13000 13000 1 CCUL - PAC 2855 E GUASTI ROAD ONTARIO CA 91761 940357265 10000 CITIZENS FOR PUBLIC SAFETY YES ON MEASURE D 8365 FLORENCE SUITE 101 DOWNEY CA 90240 3000 PART I-A, LINE 1: CONTRIBUTION TO CALIFORNIA CREDIT UNION LEAGUE TO PROMOTE TRADE INFORMATION PERTAINING TO CREDIT UNIONS. THE CREDIT UNION CONTRIBUTES TO CITIZENS FOR PUBLIC SAFETY, YES ON MEASURE D (DOWNEY, CA) IN SUPPORT OF PROMOTING INFORMATION AND ADVOCACY RELATED TO MEASURE D AND PUBLIC SAFETY SERVICES. THE CREDIT UNION WAS UNABLE TO OBTAIN AN EIN FOR CITIZENS FOR PUBLIC SAFETY, YES ON MEASURE D. FOLLOWING IS THE NAME, ADDRESS AND FPPC# OF THE CAMPAIGN. CITIZENS FOR PUBLIC SAFETY, YES ON MEASURE D 8635 FLORENCE SUITE 101, DOWNEY, CA 90240 FPPC# 1475583 8159016 8159016 22506420 8602398 13904022 2616513 1998064 618449 18816837 15046625 3770212 26451699 ALL OTHER INVESTMENTS 11532300 F NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT 15649431 C LOANS AND LEASES 1671594827 F LOANS HELD FOR SALE 27505968 F 1726282526 ACCRUED DIVIDENDS & INTEREST PAYABLE ON SHARE & DEPOSITS 480644 BORROWINGS 130000000 MEMBER SHARES OF ALL TYPES 1855957309 NONMEMBER DEPOSITS 80945986 2067383939 X 131717082 0 131717082 138439 138439 131855521 128418321 0 128418321 138439 138439 128556760 PART X, LINE 2: THE CREDIT UNION RECOGNIZES THE TAX BENEFIT FROM UNCERTAIN TAX POSITIONS, IF ANY, ONLY IF IT IS MORE LIKELY THAN NOT THAT THE TAX POSITIONS WILL BE SUSTAINED ON EXAMINATION BY THE TAX AUTHORITIES, BASED ON THE TECHNICAL MERITS OF THE POSITION. THE TAX BENEFIT IS MEASURED BASED ON THE LARGEST BENEFIT THAT HAS A GREATER THAN 50% LIKELIHOOD OF BEING REALIZED UPON ULTIMATE SETTLEMENT. THE CREDIT UNION RECOGNIZES INTEREST ACCRUED AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS AS AN ADMINISTRATIVE EXPENSE. THE CREDIT UNION HAD NO UNRECOGNIZED TAX BENEFITS AT DECEMBER 31, 2024 AND 2023. DURING THE YEARS ENDED DECEMBER 31, 2024 AND 2023, THE CREDIT UNION RECOGNIZED NO INTEREST AND PENALTIES. PART XI, LINE 4B - OTHER ADJUSTMENTS: RECLASSIFICATION OF REVENUE TO EXPENSE 138,439. PART XII, LINE 4B - OTHER ADJUSTMENTS: RECLASSIFICATION OF REVENUE TO EXPENSE 138,439. 1 CHOC FOUNDATION 1201 WEST LA VETA AVENUE ORANGE CA 92868 956097416 501(C)(3) 56500 0 FMV TO ASSIST IN PROVIDING RESOURCES THAT NURTURE, ADVANCE AND PROTECT THE WELL-BEING OF CHILDREN. COLUMBIA MEMORIAL SPACE CENTER 12400 COLUMBIA WAY DOWNEY CA 90242 202904115 501(C)(3) 20000 0 FMV TO HELP IGNITE A COMMUNITY OF CRITICAL AND CREATIVE THINKERS NATIONAL CREDIT UNION FOUNDATION PO BOX 78880 MILWAUKEE WI 532780880 391383650 501(C)(3) 10000 0 FMV TO ASSIST IN IMPROVING PEOPLE'S FINANCIAL LIVES THROUGH CREDIT UNIONS. CHILDREN'S MIRACLE NETWORK HOSPITALS 18400 VON KARMAN SUITE 900 IRVINE CA 92612 870387205 501(C)(3) 6200 0 FMV TO ASSIST IN PROVIDING FINANCIAL SUPPORT FOR CHILDREN IN NEED OF MEDICAL CARE. 4 0 X X 1 1 X X X X 1 1 0 NADER MOGHADDAM PRESIDENT/CEO 828496 0 347119 0 13692 0 30500 0 31409 0 1251216 0 0 0 MARY TORSNEY EVP/CFO 369372 0 100923 0 2064 0 3968 0 22213 0 498540 0 0 0 CAMBRIA BRIGGSFORMER SVP HUMAN RESOURCES 223580 0 61861 0 430471 0 13083 0 0 0 728995 0 0 0 WANDA A WILLIAMS EVP/CAO 339082 0 315133 0 6331 0 30500 0 16787 0 707833 0 0 0 DARREN HERRMANN EVP/COO 335913 0 91832 0 2064 0 27669 0 22213 0 479691 0 0 0 JILL HALL ERPS SVP/CRO 236953 0 53032 0 3168 0 30500 0 37129 0 360782 0 0 0 LORI REEVESFORMER SVP CHIEF MARKETING OFFICER 0 0 25931 0 264279 0 0 0 0 0 290210 0 0 0 MARIO OSORIO SVP INVESTMENT AND INSURANCE 218709 0 30458 0 1070 0 24917 0 0 0 275154 0 0 0 FRANKLIN SCOTT ORTWINE VP/CIO 237519 0 0 0 1747 0 16923 0 0 0 256189 0 0 0 KAMIL SAKICI SVP CHIEF STRATEGY OFFICER 183879 0 30000 0 1111 0 21719 0 9171 0 245880 0 0 0 MATTHEW PAUL HERRICK EVP CHIEF REVENUE OFFICER 208805 0 0 0 415 0 8038 0 11106 0 228364 0 0 0 ERIC ZITTEL SVP CHIEF LENDING OFFICER 168385 0 10000 0 295 0 0 0 12708 0 191388 0 0 0 JUSTIN CHANG VP COMMERCIAL LENDING 219358 0 60000 0 1103 0 17364 0 22213 0 320038 0 0 0 JUAN A JIMENEZ-LINDMEIER VP REAL ESTATE LENDING 192530 0 68292 0 949 0 30500 0 18765 0 311036 0 0 0 MICHAEL STAVRAKIS VP FINANCE 211705 0 27055 0 1050 0 30500 0 0 0 270310 0 0 0 CHRISTOPHER A MARQUEZ VP IT INFRASTRUCTURE 203569 0 27099 0 1025 0 0 0 22213 0 253906 0 0 0 DENNIS DONNELLY VP MEMBER CONTACT CENTER 199318 0 25157 0 419 0 4637 0 0 0 229531 0 0 0 STEPHANIE HEGLAR VP RISK MANAGEMENT 190642 0 25664 0 2665 0 30500 0 14135 0 263606 0 0 0 ERIC JOHNSON VP CONTROLLER 190385 0 24863 0 932 0 10944 0 18765 0 245889 0 0 0 TRAVIS LONG VP ENTERPRISE PROJECT MANAGEMENT 184775 0 25082 0 914 0 30500 0 16787 0 258058 0 0 0 ANGELO GEORGE COX VP FACILITIES PURCHASING & PHYSICAL 185296 0 24204 0 920 0 20336 0 22213 0 252969 0 0 0 EVAN K ALBERTAZZI VP DIGITAL DELIVERY 178974 0 22435 0 408 0 23000 0 31409 0 256226 0 0 0 JOANN FORTE VP LOAN RESOLUTION 175546 0 20827 0 2404 0 23775 0 7774 0 230326 0 0 0 BRIAN EDWARD SIEGEL VP MARKETING 167933 0 15000 0 2353 0 10228 0 18553 0 214067 0 0 0 ANDREA PORTILLO VP LOAN SERVICING 146979 0 20225 0 703 0 8519 0 10356 0 186782 0 0 0 JEANETTE MARDESIC VP BRANCH DELIVERY 136823 0 20854 0 296 0 8472 0 22213 0 188658 0 0 0 ADAM WASS FINANCIAL CONSULTANT 61338 0 268812 0 2052 0 30500 0 14135 0 376837 0 0 0 HARIBABU KRISHNAMOORTHY DIRECTOR, PROGRAMMING & DEVELOPMENT 205331 0 17595 0 662 0 16112 0 18765 0 258465 0 0 0 LARRY ROMERO SENIOR COMMERCIAL LOAN OFFICER 145188 0 47594 0 5933 0 0 0 14135 0 212850 0 0 0 ALEX SALDANA DIRECTOR, MEMBER ADVICE CENTER 105776 0 72323 0 211 0 23000 0 22213 0 223523 0 0 0 ANTHONY L KENDZIORSKI DIRECTOR, NETWORK & SYSTEMS INFRASTR 149843 0 11742 0 1486 0 11638 0 31409 0 206118 0 0 0 PART I, LINES 4A-B LORI REEVES, REPORTED ON PART VII AS AN OFFICER, RECEIVED A SEVERANCE PAYMENT IN THE AMOUNT OF $264,279 IN 2024. CAMBRIA BRIGGS, REPORTED ON PART VII AS AN OFFICER, RECEIVED A SEVERANCE PAYMENT IN THE AMOUNT OF $430,000 IN 2024. ADDITIONALLY, THREE MEMBERS OF THE EXECUTIVE MANAGEMENT TEAM HAVE NON-RECOURSE COLLATERAL ASSIGNMENT SPLITDOLLAR LIFE INSURANCE POLICIES, THE PREMIUMS OF WHICH ARE SUBJECT TO A LOAN TO THE EXECUTIVE, WHICH IS SECURED BY THE CASH SURRENDER VALUE IN THE POLICY. THE LOANS ARE GENERALLY CARRIED AT THE CASH SURRENDER VALUE OF THE CREDIT UNION'S INTEREST IN THE POLICY. THE LOANS TO THE EXECUTIVES, COLLATERALIZED BY THE CASH SURRENDER VALUE OF THE POLICY, ARE RECORDED WITHIN OTHER ASSETS AT APPROXIMATELY $24,741,000 AND $24,244,000 AT DECEMBER 31, 2024 AND 2023, RESPECTIVELY, AND BEARS A NOMINAL INTEREST RATE. NADER MOGHADDAM OFFICER MORTGAGE X 1456900 1163031 0 1 1 NADER MOGHADDAM OFFICER FUND PURCHASE OF CASH VALUE LIFE INSURANCE POLICY X 13403005 15640167 0 1 1 DARREN HERRMANN OFFICER FUND PURCHASE OF CASH VALUE LIFE INSURANCE POLICY X 3200000 3617634 0 1 1 MARY TORSNEY OFFICER FUND PURCHASE OF CASH VALUE LIFE INSURANCE POLICY X 4850000 5482976 0 1 1 STEPHANIE HEGLAR KEY EMPLOYEE MORTGAGE X 508500 428415 0 1 1 TRAVIS LONG KEY EMPLOYEE MORTGAGE X 333000 269226 0 0 1 MARY TORSNEY OFFICER MORTGAGE X 770000 701931 0 1 1 WANDA A WILLIAMS OFFICER HELOC X 200000 188887 0 1 1 ERIC JOHNSON KEY EMPLOYEE MORTGAGE X 510000 459309 0 1 1 WANDA A WILLIAMS OFFICER MORTGAGE X 450000 412949 0 1 1 LARRY ROMERO HCE MORTGAGE X 560000 451531 0 0 1 LARRY ROMERO HCE MORTGAGE X 679900 616460 0 0 1 JUAN A JIMENEZ-LINDMEIER KEY EMPLOYEE MORTGAGE X 825000 758146 0 1 1 JEANETTE MARDESIC KEY EMPLOYEE MORTGAGE X 355000 292306 0 1 1 BRIAN EDWARD SIEGEL KEY EMPLOYEE MORTGAGE X 174000 155068 0 1 1 WANDA A WILLIAMS OFFICER MORTGAGE X 232000 208363 0 1 1 30846399 FORM 990, PART VI, SECTION A, LINE 6 FINANCIAL PARTNERS CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS, AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. FINANCIAL PARTNERS CREDIT UNION DOES NOT HAVE STOCKHOLDERS. FORM 990, PART VI, SECTION A, LINE 7A THE GOVERNING BOARD OF FINANCIAL PARTNERS CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY OUR BY-LAWS. FORM 990, PART VI, SECTION A, LINE 7B AT THE END OF EACH TERM OF THE BOARD MEMBERS, ELECTIONS ARE HELD AND BOARD MEMBERS ARE VOTED BY THE MEMBERS OF THE CREDIT UNION PURSUANT TO ITS BY-LAWS. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION. FORM 990, PART VI, SECTION B, LINE 11B PRIOR TO FILING, THE EXECUTIVE COMMITEE OF THE BOARD REVIEWS THE 990 AND RECOMMENDS CHANGES IF NECESSARY. FORM 990, PART VI, SECTION B, LINE 12C FOR THE CONFLICT OF INTEREST, EMPLOYEES RECEIVE THE CONFLICT OF INTEREST POLICY ON THE DATE OF HIRE. IF ANY CONFLICTS ARE NOTED THEN HR REVIEWS TO DETERMINE IF THERE REALLY IS A CONFLICT. ANNUALLY THE FORM IS SENT TO EACH EMPLOYEE FROM THE COMPLIANCE OFFICER AND IF ANY CONFLICTS ARE NOTED THEN HR REVIEWS TO DETERMINE IF THERE REALLY IS A CONFLICT. FORM 990, PART VI, SECTION B, LINE 15A THE CEO SALARY WAS DETERMINED BY THE EXECUTIVE COMMITTEE. THEY USED A CONSULTANT AS WELL AS COMPETITIVE DATA. THEY THEN MAKE A RECOMMENDATION TO THE BOD FOR FINAL APPROVAL. ALL OTHER POSITIONS ARE DETERMINED USING COMPETITIVE DATA. FORM 990, PART VI, SECTION C, LINE 19 THE FINANCIAL STATEMENTS ARE POSTED IN THE BRANCH LOCATIONS ON A MONTHLY BASIS. FORM 990, PART XII, LINE 2C THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. FINANCIAL PARTNERS SERVICES LLC 7800 E IMPERIAL HIGHWAY DOWNEY CA 90242 800434985 INSURANCE CA 0 0 FINANCIAL PARTNERS CREDIT UNION PARTNERSHIP INSURANCE AGENCY LLC 7800 E IMPERIAL HIGHWAY DOWNEY CA 90242 824137633 INSURANCE CA 599002 43877 FINANCIAL PARTNERS CREDIT UNION FINANCIAL PARTNERS COMMUNITY CARES 7800 E IMPERIAL HWY DOWNEY CA 90242 884117422 CHARITY FUND CA 501(C)(3) LINE 7 FINANCIAL PARTNERS CREDIT UNION 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0