2026-04-30T14:46:08-05:00 2025-12-31 994260840 DOEREN MAYHEW 8785 SW 165TH AVE STE 303 MIAMI FL 33193 990 2025-01-01 860108241 CREDIT UNION WEST CRED 6026313200 PO BOX 7600 GLENDALE AZ 853127600 KELLY POLDOSKI CFO 6026313200 2026-04-29 1 AUBREY CLEGG P01076395 3052328272 2026-04-29 2025 2025-03-06 01:10:19Z KAREN ROCH PO BOX 7600 GLENDALE AZ 853127600 112797986 0 X WWW.CUWEST.ORG X 1951 AZ FINANCIAL COOPERATIVE TO PROVIDE LOANS AND FINANCIAL SERVICES TO CREDIT UNION MEMBERS. 8 8 332 17 287538 0 0 0 88465413 96240719 5170018 6763023 -110775 379240 93524656 103382982 530800 232000 0 0 24295354 27096815 0 0 0 56491817 64637080 81317971 91965895 12206685 11417087 1299512297 1417150679 1171816104 1274536722 127696193 142613957 TO INSPIRE OUR MEMBERS, EMPLOYEES AND COMMUNITIES TO ACHIEVE THEIR FINANCIAL GOALS AND ENHANCE THEIR QUALITY OF LIFE. 0 0 FINANCIAL COOPERATIVE TO PROVIDE LOANS AND FINANCIAL SERVICES TO CREDIT UNION MEMBERS. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 1 1 0 0 1 24444 0 1 332 1 1 1 0 0 0 0 0 0 0 X 8 8 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 1 0 X CREDIT UNION WEST 6026313200 10150 W DESERT RIVER BLVD GLENDALE AZ 85305 LARBERG GARY CHAIRPERSON 1.00 X 20000 0 0 JACKSON DON V. CHAIRPERSON 1.00 X 15000 0 0 GENDREAU LUIS DIRECTOR 1.00 X 12500 0 0 HOBSON CAROL DIRECTOR 1.00 X 12500 0 0 LAGUNA FRANCES DIRECTOR 1.00 X 12500 0 0 OLIVER SR JERRY DIRECTOR 1.00 X 12500 0 0 TYUS WANDA DIRECTOR 1.00 X 12500 0 0 FORD JONATHON DIRECTOR 1.00 X 12500 0 0 ROCH KAREN CEO/PRESIDENT 40.00 X 820805 0 46300 DUONG NING EVP-COO 40.00 X 478287 0 38000 BIRR ROBERT VP-CHIEF LENDING OFFICER 40.00 X 350047 0 100323 POLDOSKI KELLY CHIEF FINANCIAL OFFICER 40.00 X 393954 0 39963 CHRISTENSEN BEN D CHIEF INFORMATION OFFICER 40.00 X 337058 0 32264 O'CONNOR RYAN SEAN VP- MARKETING & COMMUNICAT 40.00 X 267269 0 39622 GREEN DANIELLE VP- RETAIL DELIVERY 40.00 X 243722 0 45602 CRUZ DIANA VP- LOSS PREVENTION 40.00 X 229104 0 51575 BURT JAIME VP- ADMINISTRATION 40.00 X 242645 0 37976 BAKER SETH R VP-IT 40.00 X 231549 0 40074 RUIZ MANNY VP- BUSINESS SERVICES 40.00 X 217437 0 31717 WADE ROBERT INVESTMENT ADVISOR 40.00 X 193669 0 29403 FIELDSON NICHOLAS INVESTMENT ADVISOR 40.00 X 191227 0 18918 BLOSS JODY DIRECTOR- CONSUMER LENDING 40.00 X 185616 0 18654 MACK JOSHUA LYLE INFORMATION SYSTEMS MANAGER 40.00 X 175985 0 20999 BLAYLOCK TRICIA DIRECTOR- ENTERPRISE RISK 40.00 X 167441 0 14719 4835815 0 606109 52 0 1 0 MICROAGE PO BOX 93655 LAS VEGAS NV 891933655 DATA PROCESSOR 1604833 MASTERCARD INTERNATIONAL 2200 MASTERCARD BLVD OFALLEN MO 633687263 CREDIT CARD ISSUER 1498834 ALKAMI TECHNOLOGY PO BOX 670397 DALLAS TX 75267 ONLINE BANKING PROVIDER 1276548 WILLMENG CONSTRUCTORS INC 1702 EAST HIGHLAND AVE STE 450 PHOENIX AZ 85016 CONSTRUCTION 1062867 JACK HENRY & ASSOCIATES PO BOX 609 MONETT MO 65708 CORE DATA PROCESSOR 749351 43 LOANS TO MEMBERS 522100 80653058 80653058 FEES/CHARGES/OTHER 522100 15300123 15300123 FINANCE AND INSURANCE 520000 283476 283476 NON-MEMBER NOTARY FEE 541900 4062 4062 96240719 6690748 6690748 433315 54075 379240 379240 379240 9433204 9360929 72275 72275 72275 103382982 96025456 287538 7069988 X 100000 132000 4425293 17369059 1461678 2281405 1559380 243134 366559 4253413 1869613 2821674 2374815 1044311 340865 182409 28529839 203462 1903435 188204 PROVISION FOR LOAN LOSS 13280098 LOAN SERVICING 5712016 MAINTENANCE 964671 ATM EXPENSES 341239 17323 91965895 5438556 5386835 86680551 108811856 1541505 3673355 1600000 6211767 1029630340 1105091811 2639601 2664346 46010993 15655110 29940615 30355883 98081886 108211115 4397181 3506700 39562062 43237011 1299512297 1417150679 25324709 24717030 1146491395 1249819692 1171816104 1274536722 X 0 0 0 0 127696193 142613957 127696193 142613957 1299512297 1417150679 X 11417087 3534582 -33905 X X 0 1 X 1 0 6362373 6362373 23626192 4969631 18656561 4461363 1651170 2810193 11561065 9034309 2526756 30355883 SHARE ACCOUNTS 186491792 SHARE DRAFT ACCOUNTS 254372571 MONEY MARKET ACCOUNTS 305866099 SHARE AND IRA CERTIFICATES 491071936 IRA SHARES 12017294 1249819692 X 103437057 0 103437057 -54075 -54075 103382982 92019970 54075 54075 91965895 0 91965895 PART X, LINE 2: THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL INCOME TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE (IRC) AND STATE TAX LAWS. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME DERIVED BY STATE-CHARTERED CREDIT UNIONS. GENERALLY, THESE TAXES ARE INSIGNIFICANT TO THE CREDIT UNION. PART XI, LINE 4B - OTHER ADJUSTMENTS: RENTAL EXPENSES REPORTED ON FORM 990 AS A REDUCTION OF REVENUE BUT INCLUDED IN EXPENSES WITHIN THE AUDITED FINANCIAL STATEMENTS -54,075. PART XII, LINE 2D - OTHER ADJUSTMENTS: RENTAL EXPENSES REPORTED ON FORM 990 AS A REDUCTION OF REVENUE BUT INCLUDED IN EXPENSES WITHIN THE AUDITED FINANCIAL STATEMENTS 54,075. 1 CU WEST CARES INC PO BOX 7600 PHOENIX AZ 85312 920483609 501(C)(3) 100000 0 CHARITABLE CONTRIBUTION TO SPONSORED FOUNDATION TO ASSIST FOUNDATION IN CARRYING OUT ITS MISSION 1 0 DOWN PAYMENT ASSISTANCE PROGRAM 3 132000 PART I, LINE 2: THE CONTRIBUTION IS CHARITABLE IN NATURE TO THE CREDIT UNION-SPONSORED FOUNDATION. THE OFFICERS OF THE FOUNDATION ARE CREDIT UNION EMPLOYEES WHO ENSURE THE FUNDS CONTRIBUTED BY THE CREDIT UNION ARE USED TO CARRY OUT THE FOUNDATION'S MISSION. FORM 990, SCHEDULE I, PART III QUALIFIED HOMEBUYERS MAY RECEIVE A GRANT TO USE TOWARD THEIR DOWN PAYMENT AND CLOSING COSTS. X X 1 1 X X X X X 0 1 0 ROCH KAREN CEO/PRESIDENT 621406 0 182822 0 16577 0 38000 0 8300 0 867105 0 0 0 DUONG NING EVP-COO 374263 0 80784 0 23240 0 38000 0 0 0 516287 0 0 0 BIRR ROBERT VP-CHIEF LENDING OFFICER 258326 0 60274 0 31447 0 95173 0 5150 0 450370 0 0 0 POLDOSKI KELLY CHIEF FINANCIAL OFFICER 317888 0 65094 0 10972 0 31413 0 8550 0 433917 0 0 0 CHRISTENSEN BEN D CHIEF INFORMATION OFFICER 269172 0 56969 0 10917 0 32264 0 0 0 369322 0 0 0 O'CONNOR RYAN SEAN VP- MARKETING & COMMUNICAT 217038 0 40690 0 9541 0 39622 0 0 0 306891 0 0 0 GREEN DANIELLE VP- RETAIL DELIVERY 207111 0 35421 0 1190 0 42502 0 3100 0 289324 0 0 0 CRUZ DIANA VP- LOSS PREVENTION 189389 0 38403 0 1312 0 42975 0 8600 0 280679 0 0 0 BURT JAIME VP- ADMINISTRATION 208875 0 32670 0 1100 0 33513 0 4463 0 280621 0 0 0 BAKER SETH R VP-IT 191771 0 38255 0 1523 0 37554 0 2520 0 271623 0 0 0 RUIZ MANNY VP- BUSINESS SERVICES 186967 0 29870 0 600 0 27417 0 4300 0 249154 0 0 0 WADE ROBERT INVESTMENT ADVISOR 52053 0 140716 0 900 0 19853 0 9550 0 223072 0 0 0 FIELDSON NICHOLAS INVESTMENT ADVISOR 61770 0 129107 0 350 0 18918 0 0 0 210145 0 0 0 BLOSS JODY DIRECTOR- CONSUMER LENDING 148419 0 29594 0 7603 0 18654 0 0 0 204270 0 0 0 MACK JOSHUA LYLE INFORMATION SYSTEMS MANAGER 151265 0 24120 0 600 0 16699 0 4300 0 196984 0 0 0 BLAYLOCK TRICIA DIRECTOR- ENTERPRISE RISK 141371 0 25270 0 800 0 14719 0 0 0 182160 0 0 0 PART I, LINE 4B DURING 2025, THE BELOW-LISTED EMPLOYEES PARTICIPATED IN A NON-QUALIFIED 457(F) DEFERRED COMPENSATION PLAN. DOLLAR AMOUNTS REPORTED REPRESENT THE ACCRUED BENEFIT EXPENSE INCURRED BY THE CREDIT UNION DURING 2025. BIRR, ROBERT- $64,000 CRUZ, DIANA- $18,668 GREEN, DANIELLE- $20,000 BAKER, SETH- $14,000 O'CONNOR, RYAN- $14,000 BURT, JAIME- $14,000 RUIZ, MANNY- $14,000 THE FOLLOWING EXECUTIVES PARTICIPATE IN A SUPPLEMENTAL RETIREMENT BENEFIT PLAN THROUGH AN ARRANGEMENT REFERRED TO AS A "COLLATERAL ASSIGNED SPLIT DOLLAR" PLAN. SEE ADDITIONAL INFORMATION IN SCHEDULE L. KAREN ROCH, CEO/PRESIDENT NING DUONG, EXECUTIVE VICE PRESIDENT/CHIEF OPERATING OFFICER KELLY POLDOLSKI, CHIEF FINANCIAL OFFICER BEN CHRISTENSEN, CHIEF INFORMATION OFFICER KAREN ROCH CEO/PRESIDENT TO FUND COLLATERAL ASSIGNED SPLIT DOLLAR PLAN X 8000000 3588658 0 1 1 NING DUONG EXECUTIVE VICE PRES/CHIEF OPERATING OFFICER TO FUND COLLATERAL ASSIGNED SPLIT DOLLAR PLAN X 4000000 894289 0 1 1 KELLY POLDOLSKI CHIEF FINANCIAL OFFICER TO FUND COLLATERAL ASSIGNED SPLIT DOLLAR PLAN X 3000000 670717 0 1 1 BEN CHRISTENSEN CHIEF INFORMATION OFFICER TO FUND COLLATERAL ASSIGNED SPLIT DOLLAR PLAN X 5000000 1058103 0 1 1 6211767 FORM 990, SCH L, PART II THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS THROUGH AN ARRANGEMENT REFERRED TO AS A "COLLATERAL ASSIGNED SPLIT DOLLAR" PLAN. ALTHOUGH THE IRS REQUIRES REPORTING IN PART II AS A LOAN TO AN INTERESTED PARTY, THIS IS NOT AN ACTUAL LOAN. THERE IS NO TRANSFER OF FUNDS TO THE PARTICIPANTS NOR AN OBLIGATION TO REPAY THE FUNDS. INSTEAD, THE CREDIT UNION RECOVERS ANY OUTLAYS, PLUS INTEREST, FROM THE UNDERLYING POLICY. THAT IS, THE CREDIT UNION DEPOSITS FUNDS DIRECTLY INTO A LIFE INSURANCE POLICY TO ENSURE REPAYMENT. AT SPECIFIED TIMES, THE PARTICIPANTS MAY BORROW FUNDS FROM THE CASH SURRENDER VALUE OF THE POLICY TO SUPPLEMENT RETIREMENT INCOME. THE BORROWINGS ARE MONITORED TO ENSURE THE POLICY WILL PAY A DEATH BENEFIT AT LEAST SUFFICIENT TO COVER THE CREDIT UNION'S OUTLAYS PLUS INTEREST. ANY REMAINING DEATH BENEFITS ARE DIVIDED BETWEEN THE CREDIT UNION AND THE PARTICIPANT'S BENEFICIARIES AS AGREED UPON. FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION IS OWNED BY ITS MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE CREDIT UNION'S MEMBERS VOTE TO ELECT THE GOVERNING BODY. FORM 990, PART VI, SECTION A, LINE 7B THE CREDIT UNION'S MEMBERS VOTE ON ANY CHANGES TO THE GOVERNING BY-LAWS. FORM 990, PART VI, SECTION B, LINE 11B A COPY OF THE FORM 990 TAX RETURN IS REVIEWED BY THE BOARD OF DIRECTORS PRIOR TO THE RETURN BEING FILED. FORM 990, PART VI, SECTION B, LINE 12C A CONFLICT OF INTEREST FORM IS SIGNED ANNUALLY. INDIVIDUALS MUST REPORT ANY CONFLICT OF INTEREST AT THE TIME IT ARISES. FORM 990, PART VI, SECTION B, LINE 15 15(A): COMPENSATION COMMITTEE REVIEWS INFORMATION FROM AN INDEPENDENT COMPENSATION CONSULTANT AND FROM A COMPENSATION SURVEY FOR THE CEO'S SALARY. CEO'S COMPENSATION IS APPROVED BY THE BOARD. 15(B): COMPENSATION FOR OTHER OFFICERS IS REVIEWED BY THE COMPENSATION COMMITTEE BASED ON INPUT FROM AN INDEPENDENT COMPENSATION CONSULTANT AND A COMPENSATION SURVEY. FORM 990, PART VI, SECTION C, LINE 19 FINANCIAL STATEMENTS ARE POSTED AT ALL BRANCH LOCATIONS. GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE REVIEWED ANNUALLY BY THE BOARD OF DIRECTORS REPRESENTING THE ENTIRE MEMBERSHIP. OTHER POLICY STATEMENTS MAY BE AVAILABLE UPON REQUEST. FORM 990, PART IX, LINE 11G 3RD PARTY SERVICE PROVIDERS 3,166,983. CONSULTANTS 562,033. MAILING SERVICE 247,046. PAYROLL SERVICES 139,403. RECRUITMENT & ADVERTISING 126,247. TEMPORARY EMPLOYEE COMPENSATION 6,630. CYBER SECURITY 3,333. PENSION PLAN EXPENSE 1,738. FORM 990, PART IX, LINE 24E MISCELLANEOUS 17,323. FORM 990, PART XI, LINE 9: NET UNREALIZED HOLDING GAINS/(LOSSES) ON DERIVATIVES -33,905. FORM 990, PART XII, LINE 2C THERE WERE NO CHANGES IN THE PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY OF THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR. CU WEST CARES INC PO BOX 7600 PHOENIX AZ 85312 920483609 PRIVATE FOUNDATION AZ 501(C)(3) PF CREDIT UNION WEST 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 CU WEST CARES INC B 100000 ACTUAL