Columbia Credit Union

Legal name: Columbia Community Credit Union

Nonprofit profile at a glance

EIN
910617775
IRS 990 coverage
2010–2025
Official website data refreshed
Sep 2026
Forms available
Form 990 2025
Location
Vancouver, WA, US
Phone
360-823-0800
Rating confidence
Limited

Official website

Reported finances

Revenue
$147,178,811
Expenses
$116,560,325
Assets
$2,557,295,207
Liabilities
$2,246,296,759

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

25 people listed

Executive titles in this filing

  • LINDSEY SALVESTRIN (PRESIDENT & CEO)

Highest reported compensation

  • LINDSEY SALVESTRIN (PRESIDENT & CEO): $1,024,366 total reported compensation
  • PENNY HARRIS (CHIEF FINANCIAL OFFICER): $592,238 total reported compensation
  • MARK MICHAELS (CHIEF INFO. OFFICER (THRU 11/25)): $546,755 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Making Life Better

What it reported doing in 2025

Columbia community credit union is a Washington state-chartered credit union with a field of membership in Washington and Oregon and is regulated by the Washington state department of financial institutions, division of credit unions with reciprocal oversight by the Oregon department of consumer & business services, division of financial regulation. Members' deposits are insured by the national credit union share insurance fund. The main purpose of the credit union is promoting thrift among its members and creating a source of credit for them at fair and reasonable rates of interest.

Operating model

Revenue model
Earned-program. 92% of the money available for current operations came from fees and other program revenue.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

The verdict

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Rating breakdown

  • Financial Efficiency: NotEnoughData
  • Transparency & Controls: 78
  • Accountability: 100
  • Sustainability: 71
  • Growth: 60

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: Limited
  • Program expense ratio: Limited
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 88.9%; rating input score 89; 3rd percentile among comparable filings
  • Pay-setting controls: 5 of 6 controls in place; rating input score 83
    • Compensation committee: Pass
    • Independent consultant: Pass
    • Other Form 990s reviewed: Missing
    • Written employment contract: Pass
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 67.3%; rating input score 67; 19th percentile among comparable filings
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 65th percentile among comparable filings
  • Governance controls: 9 of 9 controls in place; rating input score 100
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 20.8%; rating input score 84; 84th percentile among comparable filings
  • Total-asset coverage ratio: 21.94; rating input score 95; 95th percentile among comparable filings
  • Liabilities to assets ratio: 0.88; rating input score 12; 12th percentile among comparable filings
  • Officer compensation ratio: 5.4%; rating input score 17; 17th percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: 8.6% per year; rating input score 100; 65th percentile among comparable filings
  • Asset growth: 8.5% per year; rating input score 100; 61st percentile among comparable filings

Details

  • What they do: Mission, programs, and operating context captured from the official website.
  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 9 of 9 board members independent · 9 of 9 filing controls reported
  • Programs: 1 filed program accomplishment
  • Leadership: top reported pay $1M · 25 people listed · 5 of 6 pay-setting controls reported
  • Highest-paid contractors: 5 contractors listed · $9.7M reported
  • Consistency: 10 of 11 current checks pass · 1 finding to review
  • Schedules: 6 filed schedules · includes grants and executive pay
  • Filing history: 16 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 41 filed money-flow records
  • Related organizations: 15 filed related-organization links
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.
  • Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
  • High — Sustainability: Liabilities to assets ratio scored 12/100.
  • High — Sustainability: Officer compensation ratio scored 17/100.