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 38-1844068)
Tax period: 2022-01-01 to 2022-12-31
Filed: 2023-11-10
IRS object ID: 202333149349301893
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 O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2023-11-10T10:23:56-06:00	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 WEST 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	381844068	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CREDIT UNIONS CHARTERED IN THE STATE OF	BusinessNameLine1Txt
Business Name Line2	MICHIGAN	BusinessNameLine2Txt

Field	Value	IRS element (for citing)
Business Name Control	CRED	BusinessNameControlTxt
Phone	6162615657	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	5801 BROADMOOR AVE SE	AddressLine1Txt
City	KENTWOOD	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	49512	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	LINDSAY HAWLK	PersonNm
Person Title	CFO	PersonTitleTxt
Phone	6162615657	PhoneNum
Signature	2023-11-09	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	LINDSAY	PersonFirstNm
Person Last	HAWLK	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	BRANDON M WILSON	PreparerPersonNm
PTIN	P02447970	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	COMMUNITY WEST CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Principal Officer	HEIDI HUNT	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	5801 BROADMOOR AVE SE	AddressLine1Txt
City	KENTWOOD	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	49512	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$11,042,659	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Group Exemption	1359	GroupExemptionNum
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.COMMUNITYWESTCU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1967	FormationYr
Legal Domicile State	MI	LegalDomicileStateCd
Activity Or Mission	STATE CHARTERED CREDIT UNION - WE PROVIDE A FULL RANGE OF AFFORDABLE DEPOSITORY AND LENDING SERVICES TO MEMBERS THROUGH 6 BRANCH LOCATIONS, 10 ATM'S, TELEPHONE-BASED ACCESS, INTERNET BASED ACCESS, AND MOBILE ACCESS.	ActivityOrMissionDesc
Voting Members Governing Body	8	VotingMembersGoverningBodyCnt
Voting Members Independent	8	VotingMembersIndependentCnt
Total Employee	117	TotalEmployeeCnt
Total Volunteers	8	TotalVolunteersCnt
Total Gross UBI	$0	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$561	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$10,242,685	PYProgramServiceRevenueAmt
CY Program Service Revenue	$9,977,590	CYProgramServiceRevenueAmt
PY Investment Income	$730,363	PYInvestmentIncomeAmt
CY Investment Income	$1,065,069	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$10,973,048	PYTotalRevenueAmt
CY Total Revenue	$11,042,659	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	$5,223,882	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$5,549,276	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$6,265,936	PYOtherExpensesAmt
CY Other Expenses	$5,931,654	CYOtherExpensesAmt
PY Total Expenses	$11,489,818	PYTotalExpensesAmt
CY Total Expenses	$11,480,930	CYTotalExpensesAmt
PY Revenues Less Expenses	-$516,770	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	-$438,271	CYRevenuesLessExpensesAmt
Total Assets BOY	$248,983,719	TotalAssetsBOYAmt
Total Assets EOY	$270,578,061	TotalAssetsEOYAmt
Total Liabilities BOY	$226,227,963	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$257,301,879	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$22,755,756	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$13,276,182	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	AS A STATE CHARTERED CREDIT UNION, WE PROVIDE COMPETITIVE RATES FOR OUR DEPOSITS AND LOANS. WE PROVIDE A FULL RANGE OF AFFORDABLE FINANCIAL SERVICES MEETING MOST PEOPLES' NEEDS. OUR GOAL IS TO BECOME THE PRIMARY FINANCIAL SERVICE PROVIDER FOR THE MAJORITY OF OUR MEMBERSHIP. BY USING OUR CAPITAL EFFECTIVELY, WE WILL PROVIDE APPROPRIATE INCOME LEVELS AND GENERATE A POSITIVE RETURN ON ASSETS.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	INTEREST PAID TO MEMBERS DEPOSITS, IRAS AND CERTIFICATES. THE PURPOSE IS TO PROVIDE INTEREST BEARING SAVING DEPOSIT SERVICES TO OUR MEMBERS.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	LOAN SERVICING COSTS FOR LENDING PRODUCTS TO OUR MEMBERS.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	DATA PROCESSING EXPENSES REQUIRED TO PROVIDE LOAN AND DEPOSIT SERVICES TO OUR MEMBERS.	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	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	0	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	8882	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	117	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	8	GoverningBodyVotingMembersCnt
Independent Voting Member	8	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	0	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	0	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	0	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	ACCOUNTING DEPARTMENT	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	6162615657	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	THE 5801 BROADMOOR AVE SE	AddressLine1Txt
City	KENTWOOD	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	49512	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (13 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
ALEXANDRIA BALDRIDGE
BOARD DIRECTOR	2.00	Yes (X)	$0	$0	$0
PAMELA HOVE
BOARD CHAIRPERSON	2.00	Yes (X)	$0	$0	$0
SHAWN MILLER
BOARD VICE CHAIRPERSON	2.00	Yes (X)	$0	$0	$0
JUDY OLMSTED
BOARD SECRETARY	2.00	Yes (X)	$0	$0	$0
GORDON PLOEG
BOARD DIRECTOR	2.00	Yes (X)	$0	$0	$0
JANE POOLMAN
BOARD DIRECTOR	2.00	Yes (X)	$0	$0	$0
SCOTT RATERINK
BOARD DIRECTOR	2.00	Yes (X)	$0	$0	$0
BERNARD ZAHM
BOARD TREASURER	2.00	Yes (X)	$0	$0	$0
JON LOOMAN
CEO	40.00		$266,791	$0	$24,401	Yes (X)
LINDSAY HAWLK
CFO	40.00		$129,330	$0	$16,915	Yes (X)
HEIDI HUNT
CEO	40.00		$149,758	$0	$29,825	Yes (X)
KAREN VANTIL
COO	40.00		$109,406	$0	$22,555		Yes (X)
ROBERT LISTEN
CIO	40.00		$108,121	$0	$22,930		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$763,406	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$116,626	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	5	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
WOLVERINE
4045 BARDEN STREET SE	GRAND RAPIDS	MI	49512	BUILDING CONSTRUCTION	$630,631
CUANSWERS
6000 28TH STREET SE	GRAND RAPIDS	MI	49546	DATA PROCESSING SYSTEM	$472,497
MILLER JOHNSON
PO BOX 306	GRAND RAPIDS	MI	49501	ATTORNEY	$155,423
DOEREN MAYHEW
305 W BIG BEAVER ROAD	TROY	MI	48084	AUDITORS	$144,340
DIEBOLD INC
PO BOX 643543	PITTSBURGH	PA	15264	NEW ATM'S	$138,693

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	8	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
LOAN INTEREST	522100	$6,505,314	$6,505,314
FEES, CHARGES, AND OTHER	522100	$3,472,276	$3,472,276

Field	Value	IRS element (for citing)
Total Program Service Revenue	$9,977,590	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,065,069	TotalRevenueColumnAmt
Related Or Exempt Func Income	$1,065,069	RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$11,042,659	TotalRevenueColumnAmt
Related Or Exempt Func Income	$11,042,659	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

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

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$617,020	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$3,656,959	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$298,301	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$699,148	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$277,848	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$261,027	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$172,264	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$77,032	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$218,119	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,139,563	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$576,780	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$411,447	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$15,480	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$96,226	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$1,296,529	TotalAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$29,811	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$508,958	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$5,139	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
LOAN SERVICING EXPENSE	$873,214
ATM EXPENSE	$178,573
MISC.	$46,902
FRAUD EXPENSE	$20,657

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$3,933	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$11,480,930	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$2,289,715	BOYAmt
EOY	$2,092,726	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$20,464,305	BOYAmt
EOY	$10,812,107	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$84,433	BOYAmt
EOY	$86,754	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$150,621,596	BOYAmt
EOY	$177,519,383	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$430,709	BOYAmt
EOY	$536,711	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$12,164,337	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$1,619,297	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$10,853,829	BOYAmt
EOY	$10,545,040	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$44,024,029	BOYAmt
EOY	$46,509,016	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$15,128,499	BOYAmt
EOY	$16,619,207	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$127,910	BOYAmt
EOY	$87,320	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$4,958,694	BOYAmt
EOY	$5,769,797	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$248,983,719	BOYAmt
EOY	$270,578,061	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$1,868,573	BOYAmt
EOY	$2,042,786	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
EOY	$20,000,000	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$224,359,390	BOYAmt
EOY	$235,259,093	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$226,227,963	BOYAmt
EOY	$257,301,879	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	$22,755,756	BOYAmt
EOY	$13,276,182	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$22,755,756	BOYAmt
EOY	$13,276,182	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$248,983,719	BOYAmt
EOY	$270,578,061	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	-$438,271	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$9,041,303	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	$1,902,741	OtherCostOrOtherBasisAmt
Book Value	$1,902,741	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$8,844,876	OtherCostOrOtherBasisAmt
Depreciation	$1,073,481	DepreciationAmt
Book Value	$7,771,395	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,331,362	OtherCostOrOtherBasisAmt
Depreciation	$500,099	DepreciationAmt
Book Value	$831,263	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$85,358	OtherCostOrOtherBasisAmt
Depreciation	$45,717	DepreciationAmt
Book Value	$39,641	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$10,545,040	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (4 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
CD'S AFS	$15,270,507	F
ALLOYA PERPETUAL CONTRIBUTED CAPITAL	$649,700	C
FHLB STOCK	$450,000	C
CDS (> 12 MONTHS MATURITY	$249,000	C

Field	Value	IRS element (for citing)
Total Book Value Securities	$16,619,207	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER DEPOSITS	Desc
Amt	$235,259,093	Amt

Field	Value	IRS element (for citing)
Total Liability	$235,259,093	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$11,042,659	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$11,042,659	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$11,042,659	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$11,480,930	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$11,480,930	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$11,480,930	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, BY STATUTE, FROM FEDERAL INCOME TAXES ON INCOME RELATED TO THE EXEMPT PURPOSE OF THE CREDIT UNION.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Committee	Yes (X)	CompensationCommitteeInd
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 (2 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
JON LOOMAN
CEO	$128,589	$0	$0	$0	$138,202	$0	$13,231	$0	$11,170	$0	$291,192	$0	$0	$0
HEIDI HUNT
CEO	$145,082	$0	$3,487	$0	$1,189	$0	$9,045	$0	$20,780	$0	$179,583	$0	$0	$0

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE ORGANIZATION HAS MEMBERS. APPOINTED MEMBERSHIP OFFICERS APPROVE APPLICATIONS FOR MEMBERSHIP FROM ELIGIBLE PERSONS.
FORM 990, PART VI, SECTION A, LINE 7A	THE MEMBERS ARE INVITED TO ATTEND AN ANNUAL MEETING TO ELECT INDIVIDUALS STANDING FOR ELECTION TO THE BOARD OF DIRECTORS.
FORM 990, PART VI, SECTION A, LINE 7B	ANY BUSINESS ORGANIZATION CHANGES REQUIRE APPROVAL BY THE MEMBERS.
FORM 990, PART VI, SECTION B, LINE 11B	THE INFORMATION REQUIED TO PREPARE FORM 990 IS GATHERED BY THE CFO AND PROVIDED TO THE PAID PREPARER. THE COMPLETED FORM 990 IS REVIEWED BY THE CFO PRIOR TO FILING.
FORM 990, PART VI, SECTION B, LINE 12C	THE CONFLICT OF INTEREST POLICY IS IN THE EMPLOYEE HANDBOOK, WHICH IS REVIEWED AND SIGNED BY THE EMPLOYEE WHEN HIRED AND THEN ANNUALLY THEREAFTER.
FORM 990, PART VI, SECTION B, LINE 15A	COMPENSATION FOR THE CEO IS DETERMINED BY THE BOARD OF DIRECTORS. THE BOARD OF DIRECTORS USES SALARY COMPARISON REPORT PERIODICALLY TO DETERMINE THE CEO'S SALARY. WE USE A THIRD PARTY VENDOR, BALANCED COMP, TO DETERMINE THE PAY VIA COMPARATIO WHICH IS DETERMINED BY PEER, ASSET SIZE, AND LOCATION FOR ALL STAFF MEMBERS.
FORM 990, PART VI, SECTION C, LINE 19	GOVERNING DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST. THE CONFLICT OF INTEREST POLICY IS NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNION'S FINANCIAL STATEMENTS ARE AVAILABLE FOR PUBLIC VIEWING ON WWW.NCUA.GOV VIA THE QUARTERLY 5300 FILING. ADDITIONALLY, OUR STATEMENT OF FINANCIAL CONDITION IS POSTED IN THE LOBBY OF EACH BRANCH.
FORM 990, PART IX, LINE 24E	PROVISION FOR LOAN LOSS 3,933.
FORM 990, PART XII, LINE 2C:	THERE WERE NO CHANGES IN THE PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY OF THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR.