2025-04-30T12:44:53-05:00 2024-12-31 390758449 WIPFLI LLP 105 E PINE ST UPPER FLOOR MISSOULA MT 59802 990 2024-01-01 810283608 ROCKY MOUNTAIN CREDIT UNION ROCK 4064471102 3400 NORTH MONTANA HELENA MT 59601 CYRUS MALKIN PRESIDENT/CEO 4064471102 2025-04-14 1 1 SAM BRUNSON CPA P01696998 4067281800 2025-04-14 2024 2025-03-06 01:10:19Z CYRUS MALKIN 3400 NORTH MONTANA HELENA MT 59601 26574026 0 X WWW.RMCU.NET X 1940 MT PARTNERING WITH OUR MEMBERS TO IMPROVE THE QUALITY OF THEIR LIVES BY PROVIDING A SECURE AND SERVICE-FOCUSED CREDIT UNION THAT BUILDS TRUST AND RESPECT. 7 7 115 12 23162 0 0 0 19368940 20077270 1932766 3212768 252432 294576 21554138 23584614 32569 29994 0 0 7544880 7470497 0 0 0 11970649 13657231 19548098 21157722 2006040 2426892 383798063 401737333 353658077 369171224 30139986 32566109 PARTNERING WITH OUR MEMBERS TO IMPROVE THE QUALITY OF THEIR LIVES BY PROVIDING A SECURE AND SERVICE-FOCUSED CREDIT UNION THAT BUILDS TRUST AND RESPECT. 0 0 AS A MEMBER OWNED, FINANCIAL COOPERATIVE, THE CREDIT UNION SERVED OVER 24,000 PRIMARILY MONTANA RESIDENTS WITH A WIDE VARIETY OF FINANCIAL SERVICES. ADDITIONAL SERVICES PROVIDED INCLUDED COUNSELING, FINANCIAL EDUCATION, NEWSLETTERS, DEPOSIT AND LOAN INSURANCE PROTECTION, AND CONSUMER INFORMATION. THE CREDIT UNION PROVIDED SETTLEMENT, CORRESPONDENCE, INVESTMENT, LOAN EDUCATION, AND OTHER SERVICES TO ITS MEMBERS. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 9538 0 1 115 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 0 0 0 1 1 1 1 0 1 1 1 0 X SEAN MCCURRY 4064471103 3400 NORTH MONTANA HELENA MT 59601 KRISTIN BOUCHARD CHAIR 2.00 X X 0 0 0 CHRIS LEMON VICE CHAIR 2.00 X X 0 0 0 MICHAEL BERTAGNOLLI TREASURER 2.00 X X 0 0 0 STEFANIE GRIFFITH SECRETARY 2.00 X X 0 0 0 TONY LOYA DIRECTOR 2.00 X 0 0 0 SCOTT STONER DIRECTOR 2.00 X 0 0 0 MICHAEL WILLIAMS DIRECTOR 2.00 X 0 0 0 STEVE SENDON PRESIDENT/CEO (THRU SEP) 40.00 X 403114 0 51683 CYRUS MALKIN INTERIM CEO 40.00 X 203683 0 37857 DEAN OLSEN VP - IT 40.00 X 167280 0 29870 ERIN JOHNSTON VP - PROJECT CHANGE 40.00 X 155663 0 32157 KELSEY FANDRY VP - OPERATIONS 40.00 X 124083 0 23404 LESLEY HUBER VP - LENDING 40.00 X 152334 0 26210 HOLLY LANE VP - HR 40.00 X 156270 0 22788 1362427 0 223969 12 0 1 0 JACK HENRY & ASSOCIATES 663 W HWY 60 MONETT MO 65718 SUPPORT SERVICES 414392 PRIME MARKETING 810 N WALLACE ST SUITE D BOZEMAN MT 59715 MARKETING SERVICES 311029 ACTION PRINT INC 110 W 13TH STREET HELENA MT 59601 PRINT SERVICES 219735 COMPUNET INC PO BOX 35143 LB 410802 SEATTLE WA 98124 INFORMATION TECHNOLOGY SERVICES 218167 BLACKFOOT COMMUNICATIONS PO BOX 35130 SEATTLE WA 98124 TELECOMMUNICATION SERVICES 214973 12 INTEREST ON LOANS 522100 15594375 15594375 FEES AND CHARGES 522100 4346067 4322905 23162 SALE OF LOANS HELD-FOR-SALE 522100 136828 136828 20077270 3202180 3202180 3000000 2989412 10588 10588 10588 INTEREST ON SERP 522100 179888 179888 114688 114688 294576 23584614 20348684 23162 3212768 29994 696337 5390689 502924 454673 425874 27832 168000 14482 656025 510072 964033 488271 647389 100607 45958 157628 708757 101247 DIVIDENDS PAID TO MEMBE 5795716 CREDIT CARD & TRANSACTI 1447323 PROVISION FOR LOAN LOSS 1023500 LOAN SERVICING FEES 592581 207810 21157722 3815496 3567337 15629163 31435564 1227454 1226022 172523 175896 285870658 261067263 976227 964089 25942617 9922746 15971271 16019871 33317146 62139326 21824619 19803707 4993506 5338258 383798063 401737333 3838075 2748695 7000000 20000000 342820002 346422529 353658077 369171224 X 0 0 0 0 30139986 32566109 30139986 32566109 383798063 401737333 2426892 -769 0 X X 0 1 X 1 0 4806332 4806332 16389103 6113356 10275747 4443069 3641691 801378 304113 167699 136414 16019871 MEMBER DEPOSITS 346422529 346422529 23404726 0 23404726 179888 179888 23584614 20977834 0 20977834 179888 179888 21157722 PART XI, LINE 4B - OTHER ADJUSTMENTS: INTEREST ON SERP 179,888. PART XII, LINE 4B - OTHER ADJUSTMENTS: INTEREST ON SERP 179,888. X X X X X 1 1 0 STEVE SENDON PRESIDENT/CEO (THRU SEP) 170491 0 26666 0 205957 0 37432 0 14251 0 454797 0 0 0 CYRUS MALKIN INTERIM CEO 144442 0 23922 0 35319 0 24590 0 13267 0 241540 0 0 0 DEAN OLSEN VP - IT 121035 0 21406 0 24839 0 19567 0 10303 0 197150 0 0 0 ERIN JOHNSTON VP - PROJECT CHANGE 118288 0 20916 0 16459 0 18898 0 13259 0 187820 0 0 0 HOLLY LANE VP - HR 115849 0 19482 0 20939 0 17047 0 5741 0 179058 0 0 0 LESLEY HUBER VP - LENDING 112618 0 21381 0 18335 0 17798 0 8412 0 178544 0 0 0 PART I, LINES 4A-B STEVE SENDON RETIRED AS PRESIDENT/CEO IN SEPTEMBER 2024 AND RECEIVED A SEVERANCE PAYMENT OF $75,517. ERIN JOHNSTON PARTICIPATES IN A SPLIT-DOLLAR LIFE INSURANCE AGREEMENT WITH THE ORGANIZATION. ERIN DID NOT RECEIVE ANY DISTRIBUTIONS FROM THIS PLAN DURING 2024. SEE SCHEDULE L FOR MORE DETAIL. ERIN JOHNSTON VP - PROJECT CHANGE SPLIT-DOLLAR LIFE INSURANCE X 147748 175896 0 1 1 175896 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION HAS MEMBERS. THERE IS ONLY ONE CLASS OF MEMBERSHIP AND THE REQUIREMENTS FOR MEMBERSHIP ARE DESCRIBED IN THE BYLAWS IN REGARD TO GEOGRAPHIC REGION AND THE PRICE OF ONE SHARE. FORM 990, PART VI, SECTION A, LINE 7A AN ANNUAL MEETING OF MEMBERS IS HELD WITHIN 200 DAYS AFTER THE CLOSE OF THE FISCAL YEAR. AT ALL MEETINGS, IRRESPECTIVE OF THE NUMBER OF SHARES HELD BY THE MEMBER, NO MEMBER SHALL HAVE MORE THAN ONE VOTE AND THERE IS NO VOTING BY PROXY. FORM 990, PART VI, SECTION A, LINE 7B DISSOLUTION IS SUBJECT TO THE APPROVAL OF MEMBERSHIP. FORM 990, PART VI, SECTION A, LINE 8B NO COMMITTEE HAS THE AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 WILL BE FORWARDED TO THE BOARD OF DIRECTORS BEFORE FILING FOR THEIR REVIEW. FORM 990, PART VI, SECTION B, LINE 12C THE BOARD REGULARLY AND CONSISTENTLY MONITORS AND ENFORCES COMPLIANCE WITH ITS CONFLICT OF INTEREST POLICY AND ACTS IMMEDIATELY WHEN CONFLICTS ARISE. WHEN A CONFLICT ARISES, IT IS FIRST REPORTED TO THE CHAIRMAN OF THE BOARD. THE DETERMINATION IF A CONFLICT EXISTS IS DONE BY THE EXECUTIVE COMMITTEE OF THE BOARD. WHEN MATTERS PERTAINING TO THE SPECIFIC PERSONAL INTEREST OF A BOARD MEMBER OR OTHER VOLUNTEER ARE DISCUSSED, THE AFFECTED MEMBER SHALL NOT ENGAGE IN THE DISCUSSION OR PARTICIPATE IN THE VOTE, AND THE MINUTES SHALL SO STATE. IF MORE THAN ONE MEMBER IS INVOLVED IN MATTERS INVOLVING A CONFLICT OF INTEREST AND A VOTE IS CALLED, THE NUMBER VOTING MUST EQUAL OR EXCEED THE QUORUM REQUIREMENTS FOR THE MEETING. FORM 990, PART VI, SECTION B, LINE 15 THREE BOARD MEMBERS ON THE CEO COMPENSATION COMMITTEE DETERMINE THE PRESIDENT/CEO'S PAY. THE BOARD IS VOLUNTEER WITHOUT COMPENSATION. THE PRESIDENT/CEO DETERMINES THE OFFICERS AND EMPLOYEES' PAY. FORM 990, PART VI, SECTION C, LINE 19 THE GENERAL PUBLIC CAN VIEW THE FORM 990 AND ORGANIZATIONAL DOCUMENTS UPON REQUEST. FORM 990, PART XII, LINE 2C THIS PROCESS HAS NOT CHANGED FROM PRIOR YEARS.