DUTRAC COMMUNITY CREDIT UNION: Form 990, tax year 2022

View the entire original 990 at ProPublica ↗

Organization: DUTRAC COMMUNITY CREDIT UNION (EIN 42-0670685)
Tax period: 2022-01-01 to 2022-12-31
Filed: 2023-05-15
IRS object ID: 202311359349308276
Schema version: 2022v5.0
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2023-05-15T13:10:24-07:00	ReturnTs
Tax Period End	2022-12-31	TaxPeriodEndDt
Return Type	990	ReturnTypeCd
Tax Period Begin	2022-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	420670685	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	DUTRAC COMMUNITY CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	DUTR	BusinessNameControlTxt
Phone	5635821331	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3465 ASBURY ROAD PO BOX 3250	AddressLine1Txt
City	DUBUQUE	CityNm
State Abbreviation	IA	StateAbbreviationCd
ZIP	520043250	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	DEBRA REIFF	PersonNm
Person Title	CONTROLLER	PersonTitleTxt
Phone	5635858462	PhoneNum
Signature	2023-05-12	SignatureDt

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	Yes (1)	IRSResponsiblePrtyInfoCurrInd

Additional Filer Information AdditionalFilerInformation

Trusted Customer TrustedCustomerGrp

Field	Value	IRS element (for citing)
Trusted Customer	1	TrustedCustomerCd
OOB Security Verification	11	OOBSecurityVerificationCd
Last Submission Rqr OOB	1	LastSubmissionRqrOOBCd
Authentication Assurance Level	AAL2	AuthenticationAssuranceLevelCd

Field	Value	IRS element (for citing)
Tax	2022	TaxYr
Build TS	2023-04-26 12:10:37Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	ANDREW HAWKINSON	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3465 ASBURY ROAD PO BOX 3250	AddressLine1Txt
City	DUBUQUE	CityNm
State Abbreviation	IA	StateAbbreviationCd
ZIP	520043250	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$40,004,352	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	www.dutrac.org	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1942	FormationYr
Legal Domicile State	IA	LegalDomicileStateCd
Activity Or Mission	PROMOTING THRIFT AMONG CREDIT UNION MEMBERS	ActivityOrMissionDesc
Voting Members Governing Body	10	VotingMembersGoverningBodyCnt
Voting Members Independent	10	VotingMembersIndependentCnt
Total Employee	218	TotalEmployeeCnt
Total Volunteers	10	TotalVolunteersCnt
Total Gross UBI	$336,801	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$336,801	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$33,968,058	PYProgramServiceRevenueAmt
CY Program Service Revenue	$36,382,051	CYProgramServiceRevenueAmt
PY Investment Income	$1,641,189	PYInvestmentIncomeAmt
CY Investment Income	$3,220,024	CYInvestmentIncomeAmt
PY Other Revenue	$678,733	PYOtherRevenueAmt
CY Other Revenue	$402,277	CYOtherRevenueAmt
PY Total Revenue	$36,287,980	PYTotalRevenueAmt
CY Total Revenue	$40,004,352	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$11,088,878	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$12,081,187	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$16,777,431	PYOtherExpensesAmt
CY Other Expenses	$21,096,374	CYOtherExpensesAmt
PY Total Expenses	$27,866,309	PYTotalExpensesAmt
CY Total Expenses	$33,177,561	CYTotalExpensesAmt
PY Revenues Less Expenses	$8,421,671	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$6,826,791	CYRevenuesLessExpensesAmt
Total Assets BOY	$980,523,751	TotalAssetsBOYAmt
Total Assets EOY	$1,044,586,172	TotalAssetsEOYAmt
Total Liabilities BOY	$865,446,625	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$938,625,578	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$115,077,126	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$105,960,594	NetAssetsOrFundBalancesEOYAmt
Mission	PROMOTING THRIFT AMONG MEMBERS	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Expense	$33,177,561	ExpenseAmt
Grant	$0	GrantAmt
Revenue	$40,004,352	RevenueAmt
Desc	GRANTING AFFORDABLE LOANS, PROMOTING SAVINGS AND THRIFT AMONG 50718 MEMBERS.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	SEE 4A	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	SEE 4A	Desc

Field	Value	IRS element (for citing)
Total Other Prog Srvc Expense	$0	TotalOtherProgSrvcExpenseAmt
Total Other Prog Srvc Grant	$0	TotalOtherProgSrvcGrantAmt
Total Other Prog Srvc Revenue	$0	TotalOtherProgSrvcRevenueAmt
Total Program Service Expenses	$33,177,561	TotalProgramServiceExpensesAmt
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (1)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	Yes (1)	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	60	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	218	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	10	GoverningBodyVotingMembersCnt
Independent Voting Member	10	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	DEBRA REIFF ASSISTANT CONTROLLER	PersonNm
Phone	5635821331	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3465 ASBURY ROAD PO BOX 3250	AddressLine1Txt
City	DUBUQUE	CityNm
State Abbreviation	IA	StateAbbreviationCd
ZIP	520043250	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (22 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Key EmployeeKeyEmployeeInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd
ANDREW HAWKINSON
PRESIDENT/CEO	45	0	Yes (X)	$464,223	$0	$0
KIM ADAMS
SENIOR VP OPERATIONS	45	0	Yes (X)	$223,771	$0	$0
JASON NORTON
SVP - MARKETING	45	0	Yes (X)	$178,974	$0	$0
MICHELLE A ARISS
SVP FINANCE	45	0	Yes (X)	$174,394	$0	$0
ANDREW LASSEN
SVP - IT	45	0	Yes (X)	$174,345	$0	$0
RONALD KINSELLA
SENIOR VP LENDING	45	0	Yes (X)	$171,454	$0	$0
JULIE SOUCINEK
MORTGAGE LOAN MANAGER	45	0		$166,323	$0	$0	Yes (X)
LEE HOERNER
SVP - MEMBER SERVICE	45	0	Yes (X)	$163,248	$0	$0
JEFFREY WALLER
COMMERCIAL LENDING MANAGER	45	0		$136,763	$0	$0	Yes (X)
Megan Kelleher-Egan
SVP Human Resources	45	0	Yes (X)	$133,040	$0	$0
TRAVIS PHELAN
COMMERCIAL LENDER	45	0		$123,178	$0	$0		Yes (X)
DENNIS NARANJO
COMMERCIAL LENDER	45	0		$109,000	$0	$0		Yes (X)
HARLAN PEDRETTI
DIRECTOR	2	0		$1,057	$0	$0			Yes (X)
CHAD KRUSE
TREASURER	2	0		$1,032	$0	$0			Yes (X)
KEVIN MUELLER
SECRETARY	2	0		$792	$0	$0			Yes (X)
DAVID EGGERS
DIRECTOR	2	0		$0	$0	$0			Yes (X)
DANIEL DEUTMEYER
DIRECTOR	2	0		$0	$0	$0			Yes (X)
MICHAEL READY
DIRECTOR	2	0		$0	$0	$0			Yes (X)
SCOTT NEYENS
DIRECTOR	2	0		$0	$0	$0			Yes (X)
JOHN VAIL
CHAIRPERSON	4	0		$0	$0	$0			Yes (X)
NICHOLAS SPECHT
VICE-CHAIRPERSON	2	0		$0	$0	$0			Yes (X)
CRENNA BRUMWELL
DIRECTOR	2	0		$0	$0	$0			Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,221,594	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$0	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	12	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt	Address Line2ContractorAddress/USAddress/AddressLine2Txt
RUSSELL CONSTRUCTION CO INC
4700 EAST 53RD ST	DAVENPORT	IA	52807	CONSTRUCTION	$2,440,535
FISERV
75 REMITTANCE DR	CHICAGO	IL	606756962	COMPUTER TECHNOLOGY	$1,143,496	SUITE 6962
TOWN SQUARE MEDIA
27142 NETWORK PLACE	CHICAGO	IL	606731271	ADVERTISING	$416,103
Corelation Inc
2305 Historic Decatur Rd Ste 300	San Diego	CA	921066073	Data Processing	$1,471,546
Access Softek Inc
727 Allston Way Ste C	Berkeley	CA	94710	Electronic Services	$379,637

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	38	CntrctRcvdGreaterThan100KCnt
Federated Campaigns	$0	FederatedCampaignsAmt
Membership Dues	$0	MembershipDuesAmt
Fundraising	$0	FundraisingAmt
Related Organizations	$0	RelatedOrganizationsAmt
Government Grants	$0	GovernmentGrantsAmt
All Other Contributions	$0	AllOtherContributionsAmt
Noncash Contributions	$0	NoncashContributionsAmt
Total Contributions	$0	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt	ExclusionExclusionAmt
LOANS TO MEMBERS	522130	$28,716,358	$28,716,358	$0	$0
FEES AND INCOME	522130	$7,665,693	$7,665,693	$0	$0

Total Oth Program Service Rev TotalOthProgramServiceRevGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt
Related Or Exempt Func Income	$0	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$36,382,051	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$3,813,229	TotalRevenueColumnAmt
Related Or Exempt Func Income	$3,813,229	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Incm From Invest Bond Proceeds IncmFromInvestBondProceedsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt
Related Or Exempt Func Income	$0	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Royalties Revenue RoyaltiesRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt
Related Or Exempt Func Income	$0	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$0	RealAmt
Personal	$0	PersonalAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	-$590,729	SecuritiesAmt
Other	-$2,476	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$0	SecuritiesAmt
Other	$0	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	-$590,729	SecuritiesAmt
Other	-$2,476	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$593,205	TotalRevenueColumnAmt
Related Or Exempt Func Income	-$593,205	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Field	Value	IRS element (for citing)
Contri Rpt Fundraising Event	$0	ContriRptFundraisingEventAmt

Other Revenue Misc OtherRevenueMiscGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt	ExclusionExclusionAmt
DUTRAC FINANCIAL GROUP	523999	$232,954	$0	$232,954	$0
FCT INCOME	523999	$55,436	$0	$55,436	$0
ATM SURCHARGES TO NONMEMBERS	522130	$48,411	$0	$48,411	$0

Miscellaneous Revenue MiscellaneousRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$65,476	TotalRevenueColumnAmt
Related Or Exempt Func Income	$65,476	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$402,277	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$40,004,352	TotalRevenueColumnAmt
Related Or Exempt Func Income	$39,667,551	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$336,801	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt
Program Services	$0	ProgramServicesAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt
Program Services	$0	ProgramServicesAmt

Foreign Grants ForeignGrantsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt
Program Services	$0	ProgramServicesAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt
Program Services	$0	ProgramServicesAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$2,221,594	TotalAmt
Program Services	$2,221,594	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Comp Disqual Persons CompDisqualPersonsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$7,465,601	TotalAmt
Program Services	$7,465,601	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$377,530	TotalAmt
Program Services	$377,530	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,346,692	TotalAmt
Program Services	$1,346,692	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$669,770	TotalAmt
Program Services	$669,770	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Fees For Services Management FeesForServicesManagementGrp

Field	Value	IRS element (for citing)
Total	$110,088	TotalAmt
Program Services	$110,088	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$46,099	TotalAmt
Program Services	$46,099	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$61,318	TotalAmt
Program Services	$61,318	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Fees For Services Lobbying FeesForServicesLobbyingGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt
Program Services	$0	ProgramServicesAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$1,304,794	TotalAmt
Program Services	$1,304,794	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$1,910,059	TotalAmt
Program Services	$1,910,059	ProgramServicesAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$4,028,104	TotalAmt
Program Services	$4,028,104	ProgramServicesAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,994,125	TotalAmt
Program Services	$1,994,125	ProgramServicesAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$159,652	TotalAmt
Program Services	$159,652	ProgramServicesAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$59,921	TotalAmt
Program Services	$59,921	ProgramServicesAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt	Program ServicesProgramServicesAmt	Management And GeneralManagementAndGeneralAmt	FundraisingFundraisingAmt
LOAN SERVICING EXP/PROVISION FOR LOAN LOSS	$3,723,009	$3,723,009	$0	$0
COST OF FUNDS	$6,740,611	$6,740,611	$0	$0
UBIT TAX	$47,043	$47,043	$0	$0
MISCELLANEOUS EXPENSE	$911,551	$911,551	$0	$0

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$33,177,561	TotalAmt
Program Services	$33,177,561	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$16,746,074	BOYAmt
EOY	$39,311,507	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$2,058,063	BOYAmt
EOY	$2,903,618	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$3,101,924	BOYAmt
EOY	$3,378,665	EOYAmt

Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$674,612,901	BOYAmt
EOY	$785,943,962	EOYAmt

Inventories For Sale Or Use InventoriesForSaleOrUseGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$1,956,428	BOYAmt
EOY	$3,365,508	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$34,435,241	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$17,213,121	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$13,912,654	BOYAmt
EOY	$17,222,120	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$249,448,970	BOYAmt
EOY	$173,527,875	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$18,686,737	BOYAmt
EOY	$18,932,917	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$980,523,751	BOYAmt
EOY	$1,044,586,172	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$4,645,389	BOYAmt
EOY	$17,376,298	EOYAmt

Grants Payable GrantsPayableGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Deferred Revenue DeferredRevenueGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Tax Exempt Bond Liabilities TaxExemptBondLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Loans From Officers Directors LoansFromOfficersDirectorsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Unsecured Notes Loans Payable UnsecuredNotesLoansPayableGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$860,801,236	BOYAmt
EOY	$921,249,280	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$865,446,625	BOYAmt
EOY	$938,625,578	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$52,406,772	BOYAmt
EOY	$39,463,445	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$62,670,354	BOYAmt
EOY	$66,497,149	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$115,077,126	BOYAmt
EOY	$105,960,594	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$980,523,751	BOYAmt
EOY	$1,044,586,172	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$6,826,791	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$15,943,323	NetUnrlzdGainsLossesInvstAmt
Donated Services And Use Fclts	$0	DonatedServicesAndUseFcltsAmt
Investment Expense	$0	InvestmentExpenseAmt
Prior Period Adjustments	$0	PriorPeriodAdjustmentsAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$6,052,437	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$0	OtherCostOrOtherBasisAmt
Book Value	$6,052,437	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$21,191,165	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$0	OtherCostOrOtherBasisAmt
Depreciation	$12,162,987	DepreciationAmt
Book Value	$9,028,178	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$753,368	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$0	OtherCostOrOtherBasisAmt
Depreciation	$243,614	DepreciationAmt
Book Value	$509,754	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$6,339,018	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$0	OtherCostOrOtherBasisAmt
Depreciation	$4,730,367	DepreciationAmt
Book Value	$1,608,651	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$99,253	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$0	OtherCostOrOtherBasisAmt
Depreciation	$76,153	DepreciationAmt
Book Value	$23,100	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$17,222,120	TotalBookValueLandBuildingsAmt
Federal Income Tax Liability	$0	FederalIncomeTaxLiabilityAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	TOTAL SHARES AND DEPOSITS	Desc
Amt	$921,249,280	Amt

Field	Value	IRS element (for citing)
Total Liability	$921,249,280	TotalLiabilityAmt
Total Rev Etc Audited Fincl Stmt	$40,004,352	TotalRevEtcAuditedFinclStmtAmt
Net Unrealized Gains Invst	$0	NetUnrealizedGainsInvstAmt
Donated Services And Use Fclts	$0	DonatedServicesAndUseFcltsAmt
Recoveries Prior Year Grants	$0	RecoveriesPriorYearGrantsAmt
Other Revenue	$0	OtherRevenueAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$40,004,352	RevenueSubtotalAmt
Investment Expenses Not Incld	$0	InvestmentExpensesNotIncldAmt
Other Revenues Not Included	$0	OtherRevenuesNotIncludedAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$40,004,352	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$33,177,561	TotExpnsEtcAuditedFinclStmtAmt
Donated Services Use Fclts	$0	DonatedServicesUseFcltsAmt
Prior Year Adjustments	$0	PriorYearAdjustmentsAmt
Losses Reported	$0	LossesReportedAmt
Other Expenses Included	$0	OtherExpensesIncludedAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$33,177,561	ExpensesSubtotalAmt
Investment Expenses Not Incld2	$0	InvestmentExpensesNotIncld2Amt
Other Expenses Not Included	$0	OtherExpensesNotIncludedAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$33,177,561	TotalExpensesPerForm990Amt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (12 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
ANDREW HAWKINSON
PRESIDENT/CEO	$463,231	$0	$0	$0	$8,748	$0	$0	$0	-$7,756	$0	$464,223	$0	$0	$0
RONALD KINSELLA
SENIOR VP LENDING	$163,608	$0	$11,599	$0	$1,370	$0	$0	$0	-$5,122	$0	$171,455	$0	$0	$0
LEE HOERNER
SVP - MEMBER SERVICE	$146,275	$0	$26,092	$0	$646	$0	$0	$0	-$9,765	$0	$163,248	$0	$0	$0
Megan Kelleher-Egan
SVP Human Resources	$136,288	$0	$5,771	$0	$1,077	$0	$0	$0	-$10,096	$0	$133,040	$0	$0	$0
JASON NORTON
SVP - MARKETING	$173,173	$0	$7,857	$0	$1,490	$0	$0	$0	-$3,547	$0	$178,973	$0	$0	$0
ANDREW LASSEN
SVP - IT	$153,110	$0	$30,506	$0	$441	$0	$0	$0	-$9,712	$0	$174,345	$0	$0	$0
KIM ADAMS
SENIOR VP OPERATIONS	$221,251	$0	$6,795	$0	$1,399	$0	$0	$0	-$5,674	$0	$223,771	$0	$0	$0
MICHELLE A ARISS
SVP FINANCE	$153,298	$0	$30,664	$0	$428	$0	$0	$0	-$9,996	$0	$174,394	$0	$0	$0
DENNIS NARANJO
COMMERCIAL LENDER	$108,937	$0	$2,882	$0	$180	$0	$0	$0	-$3,000	$0	$108,999	$0	$0	$0
TRAVIS PHELAN
COMMERCIAL LENDER	$117,593	$0	$14,809	$0	$333	$0	-$9,556	$0	$0	$0	$123,179	$0	$0	$0
JULIE SOUCINEK
MORTGAGE LOAN MANAGER	$77,351	$0	$93,697	$0	$281	$0	$0	$0	-$5,006	$0	$166,323	$0	$0	$0
JEFFREY WALLER
COMMERCIAL LENDING MANAGER	$132,412	$0	$5,788	$0	$593	$0	$0	$0	-$2,030	$0	$136,763	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Schedule J, Part I, Line 1a	FormAndLineReferenceDesc
Explanation	TRAVEL FOR DIRECTOR'S SPOUSE	ExplanationTxt

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (19 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
ANDREW HAWKINSON
PRESIDENT/CEO	CREDIT UNION LOAN TO MEMBER	Yes (X)	$739,560	$639,466	0	Yes (1)	Yes (1)
RONALD KINSELLA
SENIOR VP LENDING	CREDIT UNION LOAN TO MEMBER	Yes (X)	$205,001	$99,018	0	Yes (1)	Yes (1)
LEE HOERNER
SENIOR VP MEMBER SERVICES	CREDIT UNION LOAN TO MEMBER	Yes (X)	$69,817	$106,055	0	Yes (1)	Yes (1)
MEGAN KELLEHER-EGAN
SVP HUMAN RESOURCES	CREDIT UNION LOAN TO MEMBER	Yes (X)	$33,249	$40,718	0	Yes (1)	Yes (1)
ANDREW LASSEN
SVP IS	CREDIT UNION LOAN TO MEMBER	Yes (X)	$374,378	$419,429	0	Yes (1)	Yes (1)
KIM ADAMS
SVP FACILITIES/OPERATIONS	CREDIT UNION LOAN TO MEMBER	Yes (X)	$1	$65	0	Yes (1)	Yes (1)
DANIEL DEUTMEYER
DIRECTOR	CREDIT UNION LOAN TO MEMBER	Yes (X)	$2	$11,109	0	Yes (1)	Yes (1)
DAVID EGGERS
DIRECTOR	CREDIT UNION LOAN TO MEMBER	Yes (X)	$177,001	$151,238	0	Yes (1)	Yes (1)
CRENNA BRUMWELL
DIRECTOR	CREDIT UNION LOAN TO MEMBER	Yes (X)	$193,660	$185,827	0	Yes (1)	Yes (1)
CHAD KRUSE
TREASURER	CREDIT UNION LOAN TO MEMBER	Yes (X)	$320,757	$322,208	0	Yes (1)	Yes (1)
MICHELLE ARISS
SVP FINANCE	CREDIT UNION LOAN TO MEMBER	Yes (X)	$233,888	$237,746	0	Yes (1)	Yes (1)
SCOTT NEYENS
DIRECTOR	CREDIT UNION LOAN TO MEMBER	Yes (X)	$379,691	$329,460	0	Yes (1)	Yes (1)
HARLAN PEDRETTI
DIRECTOR	CREDIT UNION LOAN TO MEMBER	Yes (X)	$1	$37	0	Yes (1)	Yes (1)
NICHOLAS SPECHT
VICE CHAIRPERSON	CREDIT UNION LOAN TO MEMBER	Yes (X)	$121,001	$102,850	0	Yes (1)	Yes (1)
JOHN VAIL
CHAIRPERSON	CREDIT UNION LOAN TO MEMBER	Yes (X)	$233,289	$207,649	0	Yes (1)	Yes (1)
DENNIS NARANJO
COMMERCIAL LENDER	CREDIT UNION LOAN TO MEMBER	Yes (X)	$40,001	$30,929	0	Yes (1)	Yes (1)
TRAVIS PHELAN
COMMERCIAL LENDER	CREDIT UNION LOAN TO MEMBER	Yes (X)	$298,745	$292,184	0	Yes (1)	Yes (1)
JULIE SOUCINEK
MORTGAGE LENDING MANAGER	CREDIT UNION LOAN TO MEMBER	Yes (X)	$213,750	$202,348	0	Yes (1)	Yes (1)
JEFFREY WALLER
COMMERCIAL LENDING MANAGER	CREDIT UNION LOAN TO MEMBER	Yes (X)	$1	$329	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$3,378,665	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (7 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Form 990, Part VI, Section A, Line 6	The credit union is owned equally by each of its 50302 members. There are no stockholders.
Form 990, Part VI, Section A, Line 7a	The credit union is owned equally by each of its members and does not have stockholders. However, each member has one vote which they can use to elect Board and Committee Members.
Form 990, Part VI, Section A, Line 7b	Only in special circumstances such as mergers, the members of the merging credit union would have to approve the unification.
Form 990, Part VI, Section B, Line 11b	It is reviewedby the CEO, Board Executive Committee, and Controller who prepared the filing.
Form 990, Part VI, Section B, Line 12c	The credit union has an internal auditor and also a compliance officer to insure the policies are regularly updated and adhered to by all staff regardless of the seniority or position.
Form 990, Part VI, Section B, Line 15	The decisions involving the CEO or top executives are usually handled by a special committee (Search Committee in the case of a new hire.) or Board of Directors for regular periodic decisions such as compensation, benefits, and perks.
Form 990, Part VI, Section C, Line 19	The accounting records are maintained by the Controller who shares Financial Reports with the CEO/Board. Additionally current Financial Statements are also displayed in the main lobby area of the Main Branch for the benefit of all members.