2015_MWCUA_Annual_Report-LR

2015 ANNUAL MEETING & CONVENTION
MOUNTAIN WEST CREDIT UNION ASSOCIATION
PHOENIX, AZ | MARCH 26-28, 2015
ANNUALREPORT

“Progress is the
constant replacing of
the best there is with
something better.”
~ Edward Filene

O
ur movement cannot afford to rest on its laurels. Nearly every day,
a new issue, technology or regulation impacts us; what sets credit
unions apart from other industries is our willingness to cooperate
with one another to tackle each challenge head-on.
We constantly see examples of collaboration and innovation that make
things better for us all. Whether we are responding to a political issue,
managing yet another data breach or standing together to protect our
rights as a movement, we find ways to work together to benefit the whole.
In essence, we put Credit Unions First. We seek out ways to improve
the lives of our members, and members of credit unions worldwide. In our region, we can
celebrate many examples of innovation that helps create new opportunities.
Just last year, regional credit union executives participated in the first-ever Regulatory Hike
the Hill, giving us a voice with regulatory agencies and the chance to express our concerns
over issues affecting our movement. We created a platform on which we can build.
We have seen political gains with the election of a new credit union champion in
Arizona, winning 93 of 100 endorsed elections and mailing out nearly 1 million political
communications to credit union members.
Association member credit unions are taking advantage of education and training
opportunities like never before. There were more than 2,000 registrations for training and
events in our region last year, and 89% of our membership participated in one or more
training programs.
We continually seek ways to better the lives of our members through their credit union,
and are committed to this goal. As technology advances and political agendas target our
movement, we must not only keep up, but strive to lead.
That is what Credit Unions First is all about. Our investment in political action and
technological competencies are at the forefront of our movement. Now, and into the future,
how we choose to invest and focus will determine our success.
This movement was created out of a need to offer innovation for members; we must take the
torch that has been passed to us and move forward to meet the needs of a new generation of
credit union supporters. Our members demand and deserve that commitment from each one
of us.
The Board of Directors is committed to supporting members through Credit Unions First.
Through this direction, the Board sees a future that is better because strong, vibrant credit
unions are a part of it.
From the Chairman
ROBERT D. RAMIREZ
Chair
PHOENIX, AZ | MARCH 26 – 28, 2015 | WWW.MWCUA.COM 1

A
s we pause to take a look back at the accomplishments and
opportunities of 2014, there’s a common theme that resonates. Our
affiliated credit unions are engaged! We see it in all areas of the
Association and, for that, we are thankful. That engagement prompted the
question - how can we better tap into the passion and drive of our credit
unions? We know the answer. Our challenge - and opportunity - is to utilize
that focus and align our efforts with that passion to better our movement.
Credit Unions First.
It may sound like a catchy slogan, but there is a lot of thought and truth
behind it. We define the movement as community members making significant contributions
to community goals. As a movement, our common goal is to put the interests of the members
of our credit unions first and foremost in our thinking. We see tremendous examples of this
every day.
We see it as the chance to refine our priorities. We have always been focused on serving the
members of our respective credit unions. But this is the first time that as the Association,
we are tapping into the passion of individual credit unions and working to bring the value of
credit union membership to more people.
Of course, credit unions are already working towards these goals individually. But, like any
team, we are stronger together. So, our collective efforts can be multiplied for even greater
results in the areas that we need it most.
One of these is advocacy. This means putting forth the effort and energy to impact areas that
influence our industry. Our political efforts have the ability to make a significant impact on
our members, because what is decided by the government affects how we serve them. We
can certainly make an impact individually, but when we unite in our efforts, we are a powerful
force that commands respect and attention.
Political action is our top priority. We have built our goals in a manner that supports having
the resources and ability to bring more value to our membership. To that end, we have begun
rolling out a strategic plan designed to create growth for the entire credit union system. That
plan leverages our existing resources but places greater importance on collaboration between
departments and resources. By doing so, we achieve the higher goal of providing a platform
that serves as a strong voice for our movement in the areas that matter the most.
I believe we have put the right pieces in motion to see a positive shift in how we can improve
the lives of members. Our team is committed to providing the best possible resources,
support, training and information. We are well positioned to accomplish our goals.
Of course, none of this would be possible without our Board. I sincerely thank our Board
members and all who are so actively engaged in putting Credit Unions First. Our Chairman,
Bob Ramirez, is a hard working, dedicated and committed leader of credit unions. I want to
thank him for all he has done as he concludes his term at this year’s annual meeting.
From the President
SCOTT EARL
President
2015 ANNUAL MEETING AND CONVENTION | MOUNTAIN WEST CREDIT UNION ASSOCIATION2

Association Board of Directors
JOHN UCHIDA
Space Age FCU
Vice-Chair
SUNDIE SEEFRIED
Partner Colorado CU
(through January 2015)
SANDY NEVES
Fitzsimons FCU
(beginning February 2015)
SUSAN FRANK
Desert Schools FCU
ROBERT D. RAMIREZ
Vantage West CU
Chair
JIM YATES
First Education FCU
Treasurer
COLLEEN CURTIS
Southwest Healthcare CU
Secretary
DAN DESMOND
TruWest CU
STEVE HIGGINSON
Reliant FCU
DAN KESTER
Sooper CU
DOUG FERRARO
Bellco CU
WALT MARX
Northern Colorado CU

Association Management Report
Legislative activity kept Government Affairs busy
Arizona, Colorado and Wyoming state legislatures spent 240 days in session in 2014. In
that time 2,271 bills were introduced, and 86 were tracked by the Association. Of particular
interest, the Association successfully passed a bill in Colorado that provided clarification to
allow financial institution employers to use consumer credit information for employment. In
addition, we successfully lobbied to have credit unions exempt from new foreclosure and
mortgage requirements.
On the federal side, the Association lobbied members of our Congressional delegation against
the NCUA’s risk-based capital proposal. We were successful in getting 13 of our 17 House
members to sign a joint letter in opposition to the proposal. Half of our U.S. Senators wrote
their own letters in opposition to the NCUA proposal.
Advocacy stays in the forefront of our efforts
A major focus of the Association in 2014 was the midterm elections. This cycle, Arizona
and Colorado had some of the most competitive races in the country. During the two year
cycle, the Association raised and spent $207,869.48 towards electing credit union friendly
candidates at the state and federal level. ($170,471 Federal - $37,398 State). In addition, we
engaged 144,152 credit union members in the 2014 election cycle to support candidates, and
we mailed almost 1 million communications to credit union members supporting credit union
candidates. Because of these efforts, 93 of our 100 endorsed candidates won election in 2014.
One of our most notable races was the successful effort to elect a new credit union champion,
Ruben Gallego, in Arizona’s 7th Congressional District.
We’ve seen significant growth across our social media platforms. Our grassroots teams
had another record year and grew our advocacy teams by adding 2,100 advocates. Arizona
now has 16,294 credit union advocates, Colorado has 15,909 and Wyoming grew to 2,477
advocates. These numbers allowed us to surpass 34,680 total grassroots advocates across all
three states. Enhancing that effort, our social media following on Facebook has increased by
200 new advocates in 2014, finishing the year with more than 2,000 followers on six channels.
Our Twitter followers increased in 2014 by 1,669 followers – from 5,149 in 2013 to 6,818 at the
end of 2014.
On the public awareness front, www.asmarterchoice.org continues to be the main consumer
website and media hub for the credit union movement. In 2014, asmarterchoice.org had 5,240
visitors from Arizona, Colorado, and Wyoming combined.

Public Affairs gears up
Finding more and better ways to communicate was a top priority for Public Affairs in 2014.
We streamlined and brought all Public Affairs in-house. The key activity was helping member
credit unions get the word out about all the great work they are doing in their communities.
In 2014, Public Affairs prepared and distributed more than 40 press releases, as well as
media pitches and responses to media requests. In addition, Public Affairs worked with credit
unions in areas of crisis communications and media relations. Member credit unions received
media coverage for all types of announcements from new hires to community events, awards
and dividend announcements. And, Public Affairs secured an exclusive interview for CUNA
President/CEO Jim Nussle with the Phoenix Business Journal. 2014 saw more than 150
Association-generated positive media mentions locally and nationally, through trade, on air,
online, and print media; those were in addition to media mentions generated by credit unions
themselves. Member credit unions also received a media toolkit developed by Public Affairs.
Public Affairs led the efforts to transition and redesign the Mountain West Credit Union
Association website as well as to train and educate users. Finally, Public Affairs along with
CUNA, produced the quarterly Membership@Work newsletter, a product which allows us
to better communicate happenings within the region, as well as share nationally focused
material.
Committed to advancing our members’ development through education and training
89% of member credit unions participated in one or more programs in 2014
Training is the cornerstone of a strong and effective credit union and we are committed
to assisting with the rising costs of education. Through the Mountain West Credit Union
Foundation, we provide professional development scholarships and discounts through
a Cheaper by the Dozen webinar promotion. In addition, small-asset size pricing on all
schools and conferences and package pricing options for our Real Estate Lending, Emerging
Leader, ACH Specialist, Compliance, Director and Frontline Webinar Series help keep costs
manageable.
Together, we navigated the complicated and challenging world of compliance and regulation,
and expanded educational access through distance learning and videoconferencing
programs. We saw more than 2,000 registrations for 200+ webinars, network councils,
schools, and conferences. One-day trainings took place by virtual classroom in 12 cities
throughout our states. In 2014, our program rating remained high with an average 4.6 rating
on a 1-5 scale (with 5 being the highest score).

Now more than ever, Mountain West is committed to developing future credit union leaders.
In its fourth year, our Credit Union Leadership Institute graduated twenty-nine new leaders in
the rigorous nine month program. The prestigious Foundation Executive Leadership Program
currently has nine future leaders from all three states immersed in a five year leadership
development process. These participants include: (2013) Maggie Camacho of Colorado Credit
Union, Jeremy Gibson of Trona Valley Federal Credit Union, and Adrianne Rexius of Landings
Credit Union; (2014) Choua Ly of Partner Colorado Credit Union, Angel Phillips of Reliant
Federal Credit Union, and Lisett Olsen of Alhambra Credit Union; (2015) Matt Ballou of WyHy
Federal Credit Union, Victoria Gomez of Landings Credit Union, and Adele Smith of Premier
Members Federal Credit Union.
Networking Councils were offered in 2014 as a way for credit union staff members to share
best practices and network with each other. These councils operate in five functional areas:
Compliance, COO, HR/Trainers, Lending, and Marketing.
The numbers showcase the success:
• More than 360 attendees participated in the 2014 Annual Meeting & Convention in
Colorado Springs
• 89% of member credit unions participated in the Association’s training programs
• The five networking councils garnered 260 credit union attendees
2014 saw the addition of new video conference locations in Rock Springs, WY and Tucson, AZ
allowing networking and education sessions to reach more members with less travel. With six
locations in our three states, member credit unions have greater access to one another and to
training opportunities.
Hike the Hill highlights Regulatory Affairs
The 2014 Regulatory Affairs key highlight was the Association’s first-ever Regulatory Hike the
Hill. Eleven credit union CEOs and staff joined Association CEO Scott Earl and Regulatory
Affairs staff to meet with senior officials from the Consumer Financial Protection Bureau
(CFPB) and the National Credit Union Administration (NCUA). Credit union attendees shared
factual data with the regulatory agencies about the extreme cost of compliance, and urged
officials to seek opportunities for regulatory relief. Attendees urged NCUA officials to improve
the examination process, particularly in the area of appeals and sat in on NCUA’s open board
meeting and met the newest board member, Mark McWatters.

Association staff and Arizona credit union CEOs met with Dan Smith, Assistant Director with
the CFPB, to discuss the agency’s regulatory agenda for 2015 and beyond. CEOs expressed
their concerns on many different issues including student loans, prepaid cards, collections
and overdraft programs, among others. Association staff strongly urged the CFPB not to
restrict credit unions’ flexibility to meet the unique needs of individual credit unions’ fields of
membership by imposing unnecessary regulatory restrictions in lieu of consumer disclosures.
The Association held town hall meetings with NCUA board member Rick Metsger in Arizona
and Colorado. While discussion focused on NCUA’s proposed risk-based capital rule, other
discussion topics included examination reform, volunteer recruiting, taxation and the
declining number of credit unions, particularly small credit unions. The NCUA issued a revised
proposed rule with another comment period after the agency received more than 2,000
comment letters, including letters from United States Senators and Representatives, that
were highly critical of the original proposal. The Association’s Regulatory Committee also
submitted a comment letter sharply criticizing not only the substance of the proposal but
also the process undertaken by the NCUA.
Association staff met personally with Keith Morton, Regional Director of NCUA Region IV,
and Elizabeth Whitehead, Regional Director of NCUA Region V, on numerous occasions.
At these meetings, we urged improvements to the examination process including greater
consistency, improved communications, more efficient use of time, better examiner
training, and an improved appeals process. Association staff had multiple meetings with the
Financial Institutions Manager of the Arizona Department of Financial Institutions and the
Commissioner of the Colorado Division of Financial Services. Finally, staff met with NCUA and
State supervisor examiners several times during the year.
Regulatory compliance assistance provided by the Regulatory Affairs staff was dominated
by responding to questions about the new and revised mortgage rules that took effect early
in 2014. Association staff responded to more than an estimated 1,200 requests for one-on-
one compliance assistance from member credit unions. Staff provided examination support
and assistance to member credit unions resulting in the regulatory agencies amending
or eliminating examination findings and DOR/RBA items. More than 100 member credit
unions took advantage of the dues-supported policy management system, PolicyPro, that
provides credit unions with more than 200 model policies and an on-line, efficient system for
reviewing, updating and archiving credit union policies.

The Association’s member credit unions made significant achievements in 2014 in
community outreach
Every year, participating member credit unions are making a difference in their communities
by supporting Credit Unions for Kids® (CU4Kids), which benefits Children’s Miracle Network
Hospitals®. Member credit unions participated in activities like the Miracle Marathon, CU4Kids
chocolate bar sales, Miracle Balloon Paper Icon Sales, Miracle Jeans Day and numerous other
individual credit union-sponsored and organized fundraisers.
In 2014, contributions to Children’s Miracle Network Hospitals through Credit Unions for Kids
in Arizona, Colorado, and Wyoming were $747,988, a 21% increase over 2013.
Market 2012 TOTAL 2013 TOTAL 2014 TOTAL
Phoenix Children's Hospital $494,078 $515,539 $620,235
Tucson Medical Center $51,849 $44,112 $54,499
Children's Hospital of
Colorado
$46,849 $55,484 $73,254
$592,776 $615,135 $747,988
In early 2015, we recognized several member credit unions’ 2014 achievements: two statewide
first place awards, one statewide second place award, and two statewide honorable mentions
were presented. Also, one member credit union received a national honorable mention from
CUNA to recognize their community service.
During the 2014 Credit Union Youth Week, participating member credit unions reported that
1,210 youth depositors opened 57 new youth accounts during the month of April for a total of
$314,515 in youth deposits.
According to reports from the National Youth Involvement Board (NYIB), member credit
unions in Arizona reported providing 324 financial literacy presentations to 8,973 students,
and member credit unions in Colorado reported providing 329 presentations, reaching 10,455
students during the 2013–2014 school year.*
*These numbers only reflect the number of presentations and students reached that credit
unions chose to report with the NYIB. Numbers may be higher than reported.

Strategic Partners Management Report
As part of the Mountain West Credit Union Association, Strategic Partners provides business
solutions to help credit unions prosper and grow. With best-in-class solutions in compliance,
lending, operations, technology, and member growth and loyalty, Strategic Partners provides
the innovative products that are critical for the credit union of today and beyond.
Key Highlights for 2014
• Credit Union Advantage, Arizona’s Indirect Lending Program, had another great year
in 2014. At year-end, 48,643 loans had been funded for a total of more than $1.2 billion
dollars. This outperformed 2013 by over $45 million. In addition, we welcomed Southwest
Healthcare Credit Union to the Credit Union Advantage program, bringing the total to 28
Arizona partner credit unions and 370 dealerships.
• Compliance Solutions experienced significant growth in 2013. The AffirmX platform
continues to deliver best-in-class solutions to participating credit unions in all three
states. A total of 34 credit unions are using the platform.
• Credit Union Vendor Management (CUVM) is our vendor management solution providing
credit unions with a cost effective Vendor Management module. The platform continues
to evolve and offer additional features.
• The newly renamed Love My Credit Union Rewards (formerly Invest in America) program
delivered additional savings to members and revenue back to the participating credit
unions. At the end of 2014, credit unions in Arizona and Colorado received over $222,000
for their marketing efforts in the Sprint program. The incentive for the service corporation
is a combination of three areas: Sprint CU Member Discount Program, Turbo Tax Credit
Union Program and the GM CU Member Discount Program. With increased marketing and
special deals for members, we look for this program to increase in 2015.

Indirect Lending
Program
A A
Research Reports
& Tools; Member
Education; Industry
Publications
A C W A C W A C W A C W A C W
Insurance, Retirement
and Investment
Products
Alliance partners
providing security,
growth & retention,
operations,
technology and
lending solutions
A C W A C W A C W A C W
Online Vendor
Management and Due
Diligence Platform
A C W A C W
On-Site Consumer
Compliance Services
A C W A C W
Debit/Credit
Processing and
Rewards
A A
Shared Branching A A
Share Draft Printing;
Marketing and
Integrated Client
Solutions
Services
Description
Com
pliance
Partner
M
em
berGrow
th
&
Retention
O
perations
Technology
&
Innovation
Increasing
Loans
Service availability by state: Arizona Colorado WyomingA C W

Debit/Credit/Prepaid
Card Processing
A C W A C W A C W
Member Discounts A C W A C W
Vehicle Valuations C W
Online Consumer
Compliance Services
A C W A C W A C W
Office Products;
Print and Document
Services
A
Vehicle Repossession
and Remarketing
A C W A C W
Online and Print
Statement Solutions
A C W A C W
Member/Business
Discount Programs;
Credit Union Rebates
A C
Fully managaed ID
Theft Recovey Service
A C W A C W
Services
Description
Com
pliance
Partner
M
em
berGrow
th
&
Retention
O
perations
Technology
&
Innovation
Increasing
Loans
Powered by Primeritus Financial Services
Service availability by state: Arizona Colorado WyomingA C W

T
he Mountain West Credit Union Association comparative financial
statements are presented in the Annual Report in a fully consolidated
format. These statements include the Mountain West Credit Union
Association and the Association’s wholly owned subsidiary, Credit Union
Strategic Partners (Strategic Partners).
The firm of Tinucci, Jones and Company, P.C. was contracted to perform
the annual audit. An unqualified opinion was rendered for the year ended
December 31, 2014 on the accompanying consolidated financial statements
for the Mountain West Credit Union Association and its subsidiary.
Since the Association owns 100% of Strategic Partners, the net income from the for-
profit subsidiary is combined with the income from the non-profit trade association. The
consolidated financial statements of Mountain West Credit Union Association and Strategic
Partners reflect total assets of $19,075,485 and net assets (capital) of $17,385,561. Net
assets as of December 31, 2013 were $17,189,231. The activities that result in this increase
to net assets of $196,330 are operating revenues of $6.57 million, net assets released from
restrictions of $80,243, operating expenses of $6.48 million, other increases in unrestricted
net assets of $83,962, increases in temporarily restricted net assets of $65,609, and other
comprehensive loss of $129,263.
From the for-profit perspective of Strategic Partners, 2014 shows an after tax net gain of
$26,921 versus the net gain in 2013 of $107,803. Primarily contributing to this year-over-
year variance is $170,124 in additional operational expense and $75,085 less in income
tax expense. Strategic Partners ended 2014 with total assets of $13,327,137 and total
stockholder’s equity of $12,109,334. Total stockholder’s equity as of December 31, 2013 was
$12,211,676. The activities that result in this decrease to net assets of $102,342 are operating
revenues of $3.30 million, operating expenses of $3.27 million and decrease in accumulated
other comprehensive income of $129,263.
The combined balance sheet shows a healthy and liquid condition with 59% of total assets
in cash, certificates of deposit and marketable investments.
The Mountain West Credit Union Association pledges to operate in an ethical and fiscally
responsible manner. The board of directors and management continue to review and adjust
all operations and services as necessary to provide value, leadership, and high-quality
services for our member credit unions.
Respectfully submitted,
Jim Yates, Treasurer
Financials
JIM YATES
Treasurer

Financials
Consolidated Financial Statements
Mountain West Credit Union Association and Subsidiary
Consolidated Statements of Financial Position
December 31, 2014 and 2013.
2014 2013
Assets
Current assets:
Cash & cash equivalents $261,530 $1,189,326
Cash & cash equivalents - restricted 231,179 15,251
Accounts receivable 1,094,241 877,423
Core products held for re-sale 0 197,000
Other current assets 722,624 140,073
Total current assets $2,309,574 $2,419,073
Investments:
Marketable investment securities 7,188,571 7,537,876
Marketable investment securities,
deferred compensation plans
2,660,379 1,287,655
Certificates of deposit 350,000 849,979
Credit Union House, LLC 688,050 670,672
CU Service Network, LLC 438,907 409,634
Members Trust Company, FSB 92,227 92,227
Other 345,539 337,358
Total investments 11,763,673 11,185,401
Property & equipment, at cost:
Land 646,283 646,283
Building and improvements 3,411,603 3,364,622
FF&E and auto 2,193,333 1,998,452
6,251,219 6,009,357
Less accumulated depreciation 2,110,059 1,743,965
Total property & equipment 4,141,160 4,265,392
Other assets:
Deferred tax asset 675,685 604,649
Accounts receivable, noncurrent 175,083 206,417
Other 10,310 10,310
Total other assets 861,078 821,376
Total assets $19,075,485 $18,691,242

Liabilities & Net Assets
Current liabilities:
Accounts payable $317,758 $266,309
Property taxes payable 75,000 72,000
Other current liabilities 331,654 342,738
Total current liabilities 724,412 681,047
Other liabilities:
Accrued compensated absences 222,715 209,584
Deferred compensation plans 684,984 542,506
Other 57,813 68,874
Total other liabilities 965,512 820,964
Total liabilities 1,689,924 1,502,011
Net Assets:
Board Designated 150,000 0
Unrestricted 16,780,804 16,670,820
Temporarily restricted 142,288 76,679
Accumulated other comprehensive income,
Subsidiary
312,469 441,732
Total net assets 17,385,561 17,189,231
Total liabilities & net assets $19,075,485 $18,691,242
Financials
2014 2013
Mountain West Credit Union Association and Subsidiary
Consolidated Statement of Activities
December 31, 2014 and 2013.
2014 2013
Operating revenue:
Membership dues $2,273,574 $2,268,881
Conferences/education 844,321 801,951
Core products 2,494,766 2,704,484
Product alliances 109,973 110,441
Rental income 111,668 114,009
Investment income 711,307 344,626
Other income 28,771 48,598
Total operating revenue 6,574,380 6,392,990
Net assets released from restriction:
Satisfaction of program restrictions 80,243 0
Total unrestricted revenue 6,654,623 6,392,990

2014 2013
Financials
Operating expenses:
Salaries and benefits 3,612,133 3,431,136
Conferences/education 693,666 591,835
Cost of core products sold 242,500 270,709
Government relations 199,289 180,235
Advanced Strategies 79,930 0
Office operating expenses 981,380 937,610
Building, rent, depreciation 669,703 649,253
Total operating expenses 6,478,601 6,060,778
Excess of operating revenue over expenses 176,022 332,212
Other programs and changes in net assets:
Realized and unrealized investment gains 92,904 435,516
Income taxes (8,942) (84,027)
Total other increases (decreases) in net assets 83,962 351,489
Increase in unrestricted net assets 259,984 683,701
Increase in temporarily restricted net assets:
Contributions and earning to Advanced
Strategies Fund
145,852 15,251
Net assets released from restrictions (80,243) 0
Increase in temporarily restricted net assets 65,609 15,251
Increase in net assets 325,593 698,952
Net assets, beginning of year 17,189,231 16,324,021
Other comprehensive income (129,263) 166,258
Net assets, end of year $17,385,561 $17,189,231
The Mountain West Credit Union Association comparative financial statements are presented in the
Annual Report in a fully consolidated format. These statements include the Mountain West Credit
Union Association and the Association’s wholly owned subsidiary, Strategic Partners.
A copy of the audited financial statements is available upon request at the Association office.

Credit Union Year-End Statistics
Affiliated credit unions
(as of 12/31/14) Members Shares Loans Assets Net Worth
Air Academy F.C.U. 46,731 437,557,911 388,366,525 481,422,762 40,521,556
A.E.A. F.C.U. 36,409 222,754,407 194,016,352 238,460,187 12,489,786
A.P.C. E.F.C.U. 200 935,167 764,967 1,169,584 234,284
Akron F.C.U. 319 806,501 409,555 875,337 67,733
Alhambra C.U. 4,121 18,380,087 13,281,900 20,477,433 1,969,439
Altier C.U. 18,297 162,414,071 131,579,949 177,798,474 14,033,758
American Southwest C.U. 21,844 172,179,750 105,200,176 189,761,539 17,085,217
Arapahoe C.U. 9,952 99,164,682 81,041,695 109,311,162 9,683,896
Arizona Central C.U. 58,101 371,737,080 326,526,294 433,484,789 37,450,043
Arizona F.C.U. 125,264 1,086,738,522 560,875,478 1,284,688,093 172,281,371
Arizona State C.U. 135,057 1,383,311,469 1,028,417,890 1,656,657,134 165,122,789
Ashoka C.U. 305 2,147,861 1,652,067 2,324,335 171,029
Atlantic City F.C.U. 10,104 101,031,780 66,842,958 112,664,540 12,203,119
Aurora F.C.U. 7,500 67,305,760 40,909,682 78,930,516 10,744,170
Aurora Schools F.C.U. 7,051 89,502,806 50,864,965 99,982,086 10,191,819
Aventa C.U. 20,620 139,727,526 124,035,690 158,147,477 16,520,585
B.C.S. Community C.U. 3,127 20,849,598 14,364,608 25,378,380 4,470,331
Banner F.C.U. 9,298 49,433,022 22,114,646 55,793,398 5,976,161
Bashas Associates F.C.U. 4,927 13,515,591 5,852,481 15,141,311 1,590,522
Bellco C.U. 240,719 2,232,023,542 2,197,798,000 2,738,746,371 309,731,189
Boulder Valley C.U. 24,242 297,993,351 167,993,030 328,670,475 28,945,460
Campco F.C.U. 11,071 79,235,335 59,037,181 88,594,922 7,859,907
Canyon State C.U. 14,846 118,901,542 95,141,991 137,395,017 16,710,922
Cheyenne-Laramie County
Empl. F.C.U.
2,486 18,134,606 7,528,130 20,637,008 2,429,565
Cochise C.U. 4,213 23,896,947 18,020,998 28,063,010 4,126,423
Coconino F.C.U. 8,282 55,476,922 30,633,871 61,462,333 5,614,751
Colorado C.U. 10,994 111,328,966 89,041,429 124,831,877 12,357,826
Columbine F.C.U. 4,580 46,792,505 29,211,901 51,720,659 4,879,600
Community Choice C.U. 6,006 47,316,042 23,353,839 55,547,827 7,617,636
Community Financial C.U. 17,383 188,352,715 156,672,858 216,649,671 25,882,044
Coors C.U. 17,081 165,634,783 150,210,161 197,094,948 22,154,846
Credit Union of Colorado 102,806 1,057,652,290 628,532,479 1,210,593,826 132,151,639
Credit Union of Denver 56,190 535,248,272 354,035,215 607,121,440 68,450,303
Credit Union of the Rockies 9,629 82,755,786 48,253,465 92,138,037 8,913,985
Deer Valley C.U. 14,996 185,319,304 108,535,362 204,726,268 17,587,187
Denver Community F.C.U. 25,162 229,779,824 135,968,086 269,454,704 37,786,990

Denver Fire Department F.C.U. 5,741 119,607,435 37,509,159 135,350,105 14,978,242
Desert Medical F.C.U. 2,134 9,089,557 5,808,760 9,776,157 837,254
Desert Schools F.C.U. 307,456 2,924,573,637 1,331,671,560 3,575,168,138 376,840,611
E.M. F.C.U. 1,478 6,142,299 3,193,067 7,672,125 1,525,370
Elevations C.U. 107,725 1,277,611,892 895,725,082 1,459,289,806 137,767,016
Ent F.C.U. 244,741 3,238,929,123 2,621,607,300 4,071,121,114 505,152,069
F C I F.C.U. 912 3,890,168 1,900,141 5,159,860 1,267,550
Fellowship C.U. 2,379 9,823,832 9,553,827 11,470,043 1,605,172
First American C.U. 21,905 97,922,901 70,563,891 108,215,582 8,403,079
First C.U. 40,155 372,653,711 264,239,200 410,037,024 36,355,701
First Cheyenne F.C.U. 4,299 25,067,883 18,318,001 27,653,953 2,525,542
First Education F.C.U. 5,541 46,224,291 18,974,952 50,280,382 3,673,943
Fitzsimons F.C.U. 18,486 148,348,754 85,282,047 170,935,681 20,323,189
Foothills C.U. 8,895 76,209,790 59,662,238 84,513,212 8,062,725
Fort Morgan Schools F.C.U. 576 3,740,269 2,152,201 4,437,835 695,011
Green River Basin F.C.U. 2,113 10,289,317 6,405,860 11,118,660 818,013
Guadalupe Parish C.U. 2,945 15,403,389 13,442,960 22,260,239 6,820,625
Harrison District No 2 F.C.U. 1,654 10,151,486 4,699,351 12,005,975 1,808,506
Haxtun Community F.C.U. 563 3,854,190 3,468,396 4,437,709 573,073
Holyoke Community F.C.U. 2,875 27,514,177 23,784,910 30,162,962 2,587,025
Horizons North C.U. 7,829 65,013,352 42,640,868 71,286,295 6,122,841
Hughes F.C.U. 84,368 684,356,078 638,043,088 766,245,180 77,701,519
J.A.C.L. C.U. 186 517,192 352,792 657,722 134,477
Lamar Civic F.C.U. 1,107 4,928,120 2,462,793 5,378,235 432,775
Landings C.U. 14,316 123,690,886 88,449,883 136,477,140 11,893,384
Laramie Plains Community F.C.U. 5,492 37,099,487 33,854,193 41,388,469 4,253,325
Legal Community CU of Colorado 737 3,817,667 3,371,243 4,193,085 360,043
Meridian Trust F.C.U. 23,650 268,368,430 200,196,125 304,199,671 31,906,427
Metrum Community C.U. 4,770 52,743,341 34,000,640 60,717,723 7,489,216
Minnequa Works C.U. 18,007 147,670,848 65,589,733 166,529,601 18,479,603
Mohave Community F.C.U. 5,250 24,562,402 19,222,052 26,967,835 2,078,315
Mountain River C.U. 3,844 21,100,997 10,858,944 23,111,324 1,985,150
Northern Colorado C.U. 3,578 39,870,172 29,758,842 45,910,051 5,854,947
Northwest United F.C.U. 5,415 73,595,093 37,574,196 81,223,771 7,122,909
Otero County Teachers F.C.U. 1,153 3,885,139 1,763,146 4,329,982 439,609
Partner Colorado C.U. 30,926 234,284,259 223,975,197 281,080,127 34,366,642

Peoples C.U. 2,458 34,980,905 31,058,648 41,539,840 6,438,849
Pikes Peak C.U. 8,710 65,279,019 55,312,588 72,382,647 6,944,236
Pima F.C.U. 53,143 361,717,826 225,689,363 438,574,271 44,669,668
Pinal County F.C.U. 19,932 101,909,665 75,036,496 110,683,427 8,571,256
Porter F.C.U. 2,601 19,139,194 4,389,979 22,785,418 3,615,406
Powell Schools F.C.U. 374 1,891,593 1,323,244 2,072,906 181,313
Power C.U. 11,395 71,297,842 42,333,515 82,454,310 9,328,329
Premier Members F.C.U. 39,851 418,005,232 384,542,466 484,195,430 56,655,115
Prescott F.C.U. 1,288 5,507,332 3,835,156 6,474,618 959,460
Public Service Employees C.U. 163,174 1,278,168,545 966,794,802 1,451,444,300 155,886,811
Pueblo Government Agencies
F.C.U.
3,631 23,776,632 10,864,556 27,679,128 3,789,287
Pueblo Horizons F.C.U. 3,531 23,741,793 11,741,133 27,690,067 3,693,152
Pyramid F.C.U. 15,258 118,313,910 86,505,554 134,567,945 12,057,727
Ray F.C.U. 2,053 7,119,748 6,268,051 8,232,901 1,106,393
Red Rocks C.U. 16,896 214,130,989 157,077,849 237,972,246 22,400,699
Reliant F.C.U. 11,055 101,028,998 65,294,645 111,268,071 10,142,707
Rim Country F.C.U 2,089 11,541,272 7,504,042 13,002,669 1,397,323
River-Rail Community F.C.U. 5,252 31,905,396 25,086,296 35,073,932 3,079,337
Rocky Mountain Law
Enforcement F.C.U.
12,058 144,014,656 103,673,558 176,683,113 29,987,310
Routt Schools F.C.U. 849 4,284,421 1,486,740 4,663,437 370,548
San Juan Mountains C.U. 3,145 23,431,076 17,314,272 25,954,299 2,479,362
San Tan C.U. 1,418 8,232,094 5,062,447 9,085,944 645,254
School District 3 F.C.U. 2,042 19,021,290 9,380,252 21,689,439 2,622,063
Shamrock Foods F.C.U. 1,458 3,831,999 3,686,101 4,397,720 435,269
Sheridan Community F.C.U. 4,752 33,764,013 31,938,436 38,109,815 4,181,666
Sooper C.U. 32,871 257,653,312 171,680,228 296,991,494 36,059,934
Southeastern Arizona F.C.U. 5,934 26,495,383 18,647,943 30,402,827 3,694,039
Southwest Health Care C.U. 2,111 13,226,465 8,318,209 15,032,314 1,573,106
Space Age F.C.U. 14,557 97,428,535 82,360,555 107,286,547 9,172,995
Sterling F.C.U. 8,741 109,635,399 40,279,069 129,808,473 18,703,042
Sun West F.C.U. 43,976 240,679,085 202,027,861 282,945,873 42,237,587
Sunlight F.C.U. 11,116 89,996,952 35,706,506 102,905,120 13,101,278
Sunwest Educational C.U. 10,939 101,302,795 61,790,633 112,032,760 10,011,738

Sweetwater F.C.U. 2,391 18,539,914 8,311,174 21,481,532 2,638,006
Trona Valley Community F.C.U. 18,834 145,995,606 133,262,013 164,083,159 18,547,414
TruWest C.U. 67,944 787,018,752 727,230,091 893,629,857 94,011,048
Tucson F.C.U. 48,923 323,752,882 215,174,568 357,896,610 33,025,008
Tucson Old Pueblo C.U. 11,846 123,825,036 61,425,197 134,303,733 9,463,674
U-Haul F.C.U. 3,622 4,844,012 2,980,472 5,546,101 682,411
Uniwyo F.C.U. 20,707 226,933,600 160,365,910 259,718,139 28,314,819
Valley Educators C.U. 1,056 4,223,613 3,366,915 4,682,357 448,433
Vantage West C.U. 132,431 1,187,216,935 1,249,536,978 1,416,185,982 170,872,716
Warren F.C.U. 51,403 471,801,273 443,991,936 537,548,735 50,920,194
Western Rockies F.C.U. 14,601 100,875,354 45,646,657 111,154,226 10,285,886
Westerra C.U. 89,576 1,059,847,520 860,284,174 1,282,218,975 161,145,105
Westminster F.C.U. 3,792 29,761,786 19,021,592 33,034,425 3,245,219
White Crown F.C.U. 6,067 55,427,662 32,532,979 61,027,120 5,365,614
Winslow Santa Fe C.U. 1,943 10,949,230 4,439,526 12,566,109 1,609,317
Winslow Schools E.F.C.U. 535 3,816,808 2,329,925 4,422,429 599,953
WyHy F.C.U. 13,179 172,336,700 158,257,771 195,386,176 22,040,095
Wyo Central F.C.U. 3,487 26,500,647 19,244,845 29,490,897 2,834,580
Wyochem F.C.U. 2,545 16,017,692 9,610,470 17,707,017 1,603,409
Yellowstone F.C.U. 882 4,194,703 2,470,893 4,499,588 295,601
Yuma County F.C.U. 2,383 27,769,528 11,465,459 31,635,888 3,651,090
Total 3,099,919 28,991,990,506 21,492,123,250 34,050,982,059 3,737,040,630
Net Worth = Regular Reserve, Undivided Earnings,Other Reserves, Merged Equity

Association Staff
Administration
Scott Earl, President/CEO
Jaquetta Ward, Director of Corporate Affairs
Susan Daly, Director of Administration and
Political Programs
Crystal Maldonado, Administrative Specialist
Ruben Martinez, Facilities Maintenance
Accounting
Shaun Ongstad, SVP/Controller
Amy Falconetti, Accounting Manager
Robin Kalmbach, Accounting Clerk
Association Services
Dr. Dan Santangelo, SVP/Association Services
Nicole Brusewitz, VP of Education/Events
Dan Finerty, Director of Marketing
Diana Stoick, Director of Events
Rob Stahl, Manager of Information
Technology
Shay Jacobs, Education/Training Coordinator
Shelley Johnson, Association Services
Coordinator
Credit Union Relations
Mike Atchison, SVP/Credit Union Relations
Dixie Hill, VP of Indirect Lending
Rick Cranston, Director of Business and
Product Development
Caroline Barragan, Indirect Lending
Representative
Alex Heitz, Indirect Lending Representative
Rob Montoya, Indirect Lending
Representative
Mary Lee Blommel, Credit Union Relations
Representative
Lisa Drewry, Business Services Consultant
Government Affairs
Timothy Dore, SVP/General Counsel
Austin DeBey, VP Legislative Affairs
Christopher Kemm, VP Political Affairs
Patti Hazlett, Director of Corporate
Communications
Vianey Cortez, Office Assistant
Regulatory Affairs
Mark Robey, SVP Regulatory Affairs
Melia Heimbuck, Director of Compliance
Julie Kappenman, Director of Association
Compliance Services
Donna Gibbs, Administrative Assistant

2015_MWCUA_Annual_Report-LR

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