CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN: Form 990, tax year 2022

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN (EIN 38-1536749)
Tax period: 2022-01-01 to 2022-12-31
Filed: 2023-11-15
IRS object ID: 202303199349314345
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 I
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2023-11-15T13:18:56-06:00	ReturnTs
Tax Period End	2022-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	382492570	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	DOEREN MAYHEW	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	305 W BIG BEAVER ROAD	AddressLine1Txt
City	TROY	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48084	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2022-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	381536749	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	EXTR	BusinessNameControlTxt
Phone	5862763000	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	6611 CHICAGO ROAD	AddressLine1Txt
City	WARREN	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48092	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	KRISTIN KASINEC	PersonNm
Person Title	VP FINANCE	PersonTitleTxt
Phone	5862763125	PhoneNum
Signature	2023-11-15	SignatureDt

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	KRISTIN	PersonFirstNm
Person Last	KASINEC	PersonLastNm

Field	Value	IRS element (for citing)
SSN	XXX-XX-XXXX	SSN

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	0	IRSResponsiblePrtyInfoCurrInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	JACK C TRACY CPA	PreparerPersonNm
PTIN	P01974742	PTIN
Phone	2482443000	PhoneNum

Additional Filer Information AdditionalFilerInformation

Trusted Customer TrustedCustomerGrp

Field	Value	IRS element (for citing)
Trusted Customer	2	TrustedCustomerCd
Authentication Assurance Level	AAL1	AuthenticationAssuranceLevelCd
Identity Assurance Level	IAL1	IdentityAssuranceLevelCd

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

Form 990 IRS990

Doing Business As Name DoingBusinessAsName

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

Field	Value	IRS element (for citing)
Principal Officer	DEIDRA WILLIAMS	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	6611 CHICAGO ROAD	AddressLine1Txt
City	WARREN	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48092	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$20,868,717	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.EXTRACREDITUNION.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1954	FormationYr
Legal Domicile State	MI	LegalDomicileStateCd
Activity Or Mission	TO ENHANCE THE FINANCIAL WELL-BEING FOR MEMBERS AND POTENTIAL MEMBERS BY PROVIDING QUALITY, VALUE, AND CONVENIENCE IN OUR PRODUCTS AND SERVICES WHICH PROMOTES MEMBER CONFIDENCE AND LOYALTY WHILE MAINTAINING FINANCIAL STABILITY.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	94	TotalEmployeeCnt
Total Volunteers	7	TotalVolunteersCnt
Total Gross UBI	$91,543	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$17,096,643	PYProgramServiceRevenueAmt
CY Program Service Revenue	$18,550,296	CYProgramServiceRevenueAmt
PY Investment Income	$1,797,518	PYInvestmentIncomeAmt
CY Investment Income	$2,318,421	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$18,894,161	PYTotalRevenueAmt
CY Total Revenue	$20,868,717	CYTotalRevenueAmt
PY Grants And Similar Paid	$17,990	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$18,996	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$7,137,241	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$7,708,308	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$6,757,197	PYOtherExpensesAmt
CY Other Expenses	$8,912,974	CYOtherExpensesAmt
PY Total Expenses	$13,912,428	PYTotalExpensesAmt
CY Total Expenses	$16,640,278	CYTotalExpensesAmt
PY Revenues Less Expenses	$4,981,733	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$4,228,439	CYRevenuesLessExpensesAmt
Total Assets BOY	$324,083,688	TotalAssetsBOYAmt
Total Assets EOY	$314,332,667	TotalAssetsEOYAmt
Total Liabilities BOY	$288,008,427	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$283,177,656	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$36,075,261	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$31,155,011	NetAssetsOrFundBalancesEOYAmt
Mission	TO ENHANCE THE FINANCIAL WELL-BEING OF MEMBERS AND POTENTIAL MEMBERS BY PROVIDING QUALITY, VALUE, AND CONVENIENCE IN OUR PRODUCTS AND SERVICES WHICH PROMOTES MEMBER CONFIDENCE AND LOYALTY WHILE MAINTAINING FINANCIAL STABILITY.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	PROVIDE 18,925 MEMBERS WITH REGULAR SHARES, SHARE DRAFTS, CERTIFICATES OF DEPOSIT, IRA, AND MONEY MARKET ACCOUNTS TOTALING $280,453,752.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	PROVIDE LOANS INCLUDING VEHICLE, PERSONAL, MORTGAGE, RECREATIONAL VEHICLE, AND HOME EQUITY LOANS TOTALING $157,961,574.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, INTERNATIONAL REMITTANCES, BILL PAYER, STUDENT SCHOLARSHIPS, OVERDRAFT PROTECTION/COURTESY PAY, FINANCIAL EDUCATION AND COUNSELING AND VARIOUS INSURANCE AND INVESTMENT PROGRAMS.	Desc

Field	Value	IRS element (for citing)
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	Yes (1)	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	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	Yes (1)	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	3725	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	94	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
Quid Pro Quo Contributions	0	QuidProQuoContributionsInd
Form8282 Property Disposed Of	0	Form8282PropertyDisposedOfInd
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	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	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	0	LocalChaptersInd
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	DEIDRA M WILLIAMS	PersonNm
Phone	5862763000	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	6611 CHICAGO ROAD	AddressLine1Txt
City	WARREN	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48092	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (14 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
ANNE COVERT
CHAIRPERSON	1.00	Yes (X)	$0	$0	$0
DONALD SLAGEL
VICE CHAIRPERSON	1.00	Yes (X)	$0	$0	$0
PHILLIP JANKOWSKI
TREASURER	1.00	Yes (X)	$0	$0	$0
JOHN PERMALOFF
SECRETARY	1.00	Yes (X)	$0	$0	$0
CLAUDIA MULLIN
BOARD MEMBER	1.00	Yes (X)	$0	$0	$0
MICHAEL STROUD
BOARD MEMBER	1.00	Yes (X)	$0	$0	$0
DAVID ROMAN
BOARD MEMBER	1.00	Yes (X)	$0	$0	$0
DEIDRA WILLIAMS
CEO	60.00		$518,992	$0	$42,483	Yes (X)
KRISTIN KASINEC
VP OF FINANCE	50.00		$263,048	$0	$35,500	Yes (X)
JAMES MCQUEEN
VP OF MEMBER SERVICES	50.00		$214,167	$0	$30,783		Yes (X)
STACEY COMISKA
AVP FINANCE	45.00		$143,757	$0	$31,018		Yes (X)
MARY KAY OSGOOD
AVP OF RISK	45.00		$128,165	$0	$26,082		Yes (X)
PAUL SHAMMAS
IT MANAGER	45.00		$130,763	$0	$14,774		Yes (X)
CARRIE ROBERTSON
AVP MEMBER SERVICE	45.00		$121,961	$0	$26,588		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,520,853	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$207,228	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	7	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
MEMBER DRIVEN TECHNOLOGIES
30230 ORCHARD LAKE RD	FARMINGTON HILLS	MI	48334	IT HOSTING SERVICES	$683,063
US SIGNAL COMPANY LLC
201 IONIA AVE SW	GRAND RAPIDS	MI	49503	IT HOSTING SERVICES	$240,608
AUTO EXAM
17555 EL CAMINO REAL	HOUSTON	TX	77058	GPS/WARRANTIES	$215,350
DIEBOLD INCORPORATED
PO BOX 643543	PITTSBURGH	PA	152643543	IVT VENDOR	$181,918
BUTLER BUTLER & ROWSE-OBERLE PLLCBUTLER
24525 HARPER AVE STE 2	ST CLAIR SHORES	MI	48080	COLLECTION ATTORNEY	$148,149

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	7	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
LOAN INTEREST	522100	$11,397,011	$11,397,011
FEES, CHARGES, & OTHER	522100	$7,061,742	$7,061,742
FINANCE & INSURANCE	520000	$91,543		$91,543

Field	Value	IRS element (for citing)
Total Program Service Revenue	$18,550,296	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$2,318,421	TotalRevenueColumnAmt
Related Or Exempt Func Income	$2,318,421	RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$20,868,717	TotalRevenueColumnAmt
Related Or Exempt Func Income	$20,777,174	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$91,543	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part IX	Yes (X)	InfoInScheduleOPartIXInd

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$18,996	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$860,023	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$4,795,369	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$234,514	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,389,192	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$429,210	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$175,815	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$67,640	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$495,887	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$323,168	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$478,293	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$1,014,169	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$505,600	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$268,581	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$449,216	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$538,218	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$91,366	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
PROVISION FOR LOAN LOSS	$2,267,151
DEBIT CARD EXPENSE	$1,085,974
LOAN SERVICING	$621,804
CREDIT CARD EXPENSE	$354,003

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$176,089	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$16,640,278	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$1,468,044	BOYAmt
EOY	$1,762,508	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$32,319,306	BOYAmt
EOY	$5,179,994	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$843,147	BOYAmt
EOY	$673,270	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$3,945,204	BOYAmt
EOY	$7,047,474	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$128,450,524	BOYAmt
EOY	$153,507,375	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$696,907	BOYAmt
EOY	$659,149	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$14,582,677	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$8,881,973	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$5,995,391	BOYAmt
EOY	$5,700,704	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$135,857,991	BOYAmt
EOY	$127,475,600	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$10,578,195	BOYAmt
EOY	$5,538,700	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$3,928,979	BOYAmt
EOY	$6,787,893	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$324,083,688	BOYAmt
EOY	$314,332,667	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$2,164,016	BOYAmt
EOY	$2,723,904	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$285,844,411	BOYAmt
EOY	$280,453,752	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$288,008,427	BOYAmt
EOY	$283,177,656	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	$0	BOYAmt
EOY	$0	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$36,075,261	BOYAmt
EOY	$31,155,011	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$36,075,261	BOYAmt
EOY	$31,155,011	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$324,083,688	BOYAmt
EOY	$314,332,667	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$4,228,439	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$9,148,689	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$640,638	OtherCostOrOtherBasisAmt
Book Value	$640,638	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$8,868,082	OtherCostOrOtherBasisAmt
Depreciation	$4,686,765	DepreciationAmt
Book Value	$4,181,317	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$5,073,957	OtherCostOrOtherBasisAmt
Depreciation	$4,195,208	DepreciationAmt
Book Value	$878,749	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$5,700,704	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp

Field	Value	IRS element (for citing)
Desc	INVESTMENTS	Desc
Book Value	$127,475,600	BookValueAmt
Method Valuation	F	MethodValuationCd

Field	Value	IRS element (for citing)
Total Book Value Securities	$127,475,600	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARES	Desc
Amt	$280,453,752	Amt

Field	Value	IRS element (for citing)
Total Liability	$280,453,752	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$20,868,717	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$20,868,717	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$20,868,717	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$16,640,278	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$16,640,278	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$16,640,278	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART X, LINE 2:	FormAndLineReferenceDesc
Explanation	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.	ExplanationTxt

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (1)	GrantRecordsMaintainedInd

Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp (2 entries)

Grant TypeGrantTypeTxt	RecipientRecipientCnt	Cash GrantCashGrantAmt
SCHOLARSHIPS	10	$10,000
GRANTS	9	$8,996

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2:	FormAndLineReferenceDesc
Explanation	SCHOLARSHIP RECIPIENTS COMPLETE APPLICATIONS AND ARE SELECTED BY A JUDGING COMMITTEE BASED ON A NUMBER OF CRITERIA. ALL APPLICATIONS AND SUPPORTING DOCUMENTS WILL BE KEPT CONFIDENTIAL, BECOME THE PROPERTY OF THE CREDIT UNION AND WILL NOT BE RETURNED. EMPLOYEE GRANT PROGRAM ALLOWS ALL SCHOOL STAFF MEMBERS THE OPPORTUNITY TO APPLY FOR FUNDS THEY WOULD USE TO PAY FOR SCHOOL ACTIVITIES, EQUIPMENT, PROJECTS, SUPPLIES, ETC. OUTSIDE OF THE NORMAL OPERATING BUDGET. THE SCHOOL (OR SCHOOL DISTRICT) WILL BE RESPONSIBLE FOR DISTRIBUTING THE FUNDS TO THE GRANT WINNER IN THE TIMELINE INDICATED UNDER SUBMISSION TIMELINE.	ExplanationTxt

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	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (5 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
DEIDRA WILLIAMS
CEO	$366,342	$0	$152,650	$0	$0	$0	$0	$0	$42,483	$0	$561,475	$0	$0	$0
KRISTIN KASINEC
VP OF FINANCE	$198,269	$0	$64,779	$0	$0	$0	$0	$0	$35,500	$0	$298,548	$0	$0	$0
JAMES MCQUEEN
VP OF MEMBER SERVICES	$160,627	$0	$53,540	$0	$0	$0	$0	$0	$30,783	$0	$244,950	$0	$0	$0
STACEY COMISKA
AVP FINANCE	$116,477	$0	$27,280	$0	$0	$0	$0	$0	$31,018	$0	$174,775	$0	$0	$0
MARY KAY OSGOOD
AVP OF RISK	$103,566	$0	$24,599	$0	$0	$0	$0	$0	$26,082	$0	$154,247	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc

ExplanationExplanationTxt

PART I, LINE 1A

IN GENERAL, THE CREDIT UNION DOES OFFER TRAVEL FOR COMPANIONS AND HAS A POLICY IN PLACE REGARDING COMPANION TRAVEL.

PART I, LINE 4B

THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS TO THE CEO, DEIDRA WILLIAMS, THE VP OF FINANCE, KRISTIN KASINEC, AND THE VP OF MEMBER SERVICES, JAMES MCQUEEN THROUGH AN ARRANGEMENT REFERRED TO AS A "COLLATERAL ASSIGNED SPLIT DOLLAR." AT SPECIFIED TIMES, THE PARTICIPANT MAY BORROW FUNDS FROM THE CASH SURRENDER VALUE OF THE UNDERLYING LIFE INSURANCE POLICY TO SUPPLEMENT RETIREMENT INCOME. THESE DRAWS ARE TAX FREE FOR THE PARTICIPANTS. UPON THE PARTICIPANT'S DEATH THE CREDIT UNION RECOVERS ITS PREMIUMS PLUS INTEREST, PLUS KEY-PERSON INSURANCE PROCEEDS.

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (3 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
DEIDRA WILLIAMS
CEO	TO FUND SPLIT DOLLAR PLAN	Yes (X)	$3,497,551	$3,984,996	0	Yes (1)	Yes (1)
KRISTIN KASINEC
VP OF FINANCE	TO FUND SPLIT DOLLAR PLAN	Yes (X)	$1,502,000	$1,526,032	0	Yes (1)	Yes (1)
JAMES MCQUEEN
VP OF MEMBER SERVICE	TO FUND SPLIT DOLLAR PLAN	Yes (X)	$1,512,000	$1,536,446	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$7,047,474	TotalBalanceDueAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	FORM 990, SCH L, PART II	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS THROUGH AN ARRANGEMENT REFERRED TO AS A "COLLATERAL ASSIGNED SPLIT DOLLAR." 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 PARTICIPANT 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 PARTICIPANT 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.	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (10 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE, AND VOTING.
FORM 990, PART VI, SECTION A, LINE 7A	BOARD MEMBERS CAN BE NOMINATED BY CURRENT BOARD MEMBERS OR BY A PETITION SIGNED BY 50 MEMBERS. BOARD MEMBERS ARE ELECTED BY A MAJORITY BALLOT VOTE IF NECESSARY FOR A THREE YEAR TERM.
FORM 990, PART VI, SECTION A, LINE 7B	CREDIT UNION DECISIONS THAT ARE SUBJECT TO MEMBERSHIP APPROVAL ARE MERGERS, CHARTER CHANGES, DISSOLUTION OF THE CREDIT UNION, CONVERSION OF THE CREDIT UNION TO A BANK, MUTUAL SAVINGS BANK, OR MUTUAL SAVINGS ASSOCIATION, STOCK SAVINGS BANK, OR STOCK SAVINGS AND LOAN ASSOCIATION.
FORM 990, PART VI, SECTION B, LINE 11B	A REVIEW IS CONDUCTED BY THE PRESIDENT/CEO AND VP OF FINANCE PRIOR TO SUBMISSION TO THE IRS. THE RETURNS ARE MADE AVAILABLE TO THE BOARD OF DIRECTORS FOR REVIEW.
FORM 990, PART VI, SECTION B, LINE 12C	EACH DIRECTOR IS REQUIRED TO SIGN AN OATH OF OFFICE IN MARCH ANNUALLY. OATH #7 STATES THE DIRECTOR WILL REPORT TO THE PRESIDENT/CEO ANY CONFLICTS OF INTEREST, OR POTENTIAL CONFLICTS OF INTEREST, AS THEY WOULD DIRECTLY IMPACT EXTRA CREDIT UNION.
FORM 990, PART VI, SECTION B, LINE 15	THE BOARD OF DIRECTORS UTILIZES A REVIEW AND COMPENSATION SOFTWARE SPECIFICALLY FOR THE PRESIDENT/CEO'S ANNUAL REVIEW. OTHER OFFICERS AND/OR KEY EMPLOYEES REVIEWS ARE COMPLETED UTILIZING A PERFORMANCE SOFTWARE TOOL. SALARY INFORMATION IS COMPARED TO INDUSTRY AVERAGES UTILIZING A SOFTWARE TOOL. ALL OFFICERS AND/OR KEY EMPLOYEE REVIEWS ARE REVIEWED AND APPROVED BY THE PRESIDENT/CEO.
FORM 990, PART VI, SECTION C, LINE 19	FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY. THE CONFLICT OF INTEREST POLICY AND GOVERNING DOCUMENTS ARE AVAILABLE FOR REVIEW UPON REQUEST.
FORM 990, PART IX, LINE 11G	PROFESSIONAL SERVICES 495,887.
FORM 990, PART IX, LINE 24E	OTHER EXPENSE 176,089.
FORM 990, PART XII, LINE 2C:	THE ORGANIZATION HAS A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND THE SELECTION OF AN INDEPENDENT ACCOUNTANT. THIS PROCESS HAS NOT CHANGED FROM PREVIOUS YEARS.