Crane Credit Union: Form 990, tax year 2018

View the entire original 990 at ProPublica ↗

Organization: Crane Credit Union (EIN 35-0978599)
Tax period: 2018-01-01 to 2018-12-31
Filed: 2019-05-14
IRS object ID: 201921349349309237
Schema version: 2018v3.1
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
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2019-05-14T17:02:48-05:00	ReturnTs
Tax Period End	2018-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	350921680	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	CROWE LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	225 West Wacker Drive Suite 2600	AddressLine1Txt
City	Chicago	CityNm
State Abbreviation	IL	StateAbbreviationCd
ZIP	606061224	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2018-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	350978599	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	Crane Credit Union	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	CRAN	BusinessNameControlTxt
Phone	8128637115	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1 W GATE DRIVE	AddressLine1Txt
City	ODON	CityNm
State Abbreviation	IN	StateAbbreviationCd
ZIP	47562	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	KEVIN SPARKS	PersonNm
Person Title	CEO	PersonTitleTxt
Signature	2019-05-14	SignatureDt
Discuss With Paid Preparer	Yes (true)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	danielle tewes	PreparerPersonNm
PTIN	P01327423	PTIN
Phone	3128997000	PhoneNum

Field	Value	IRS element (for citing)
Tax	2018	TaxYr
Build TS	2020-01-14 16:20:31Z	BuildTS

Form 990 IRS990

Principal Ofcr Business Name PrincipalOfcrBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	KEVIN SPARKS	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1 W GATE DRIVE	AddressLine1Txt
City	ODON	CityNm
State Abbreviation	IN	StateAbbreviationCd
ZIP	47562	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$29,011,238	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.CRANECU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1955	FormationYr
Legal Domicile State	IN	LegalDomicileStateCd
Activity Or Mission	PROMOTE THRIFT, PROVIDE CREDIT AT COMPETITIVE RATES, AND PROVIDE FINANCIAL SERVICES TO MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	10	VotingMembersGoverningBodyCnt
Voting Members Independent	10	VotingMembersIndependentCnt
Total Employee	165	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$114,626	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$19,729	NetUnrelatedBusTxblIncmAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$22,469,326	PYProgramServiceRevenueAmt
CY Program Service Revenue	$25,675,811	CYProgramServiceRevenueAmt
PY Investment Income	$2,073,022	PYInvestmentIncomeAmt
CY Investment Income	$2,447,478	CYInvestmentIncomeAmt
PY Other Revenue	$252,374	PYOtherRevenueAmt
CY Other Revenue	$430,511	CYOtherRevenueAmt
PY Total Revenue	$24,794,722	PYTotalRevenueAmt
CY Total Revenue	$28,553,800	CYTotalRevenueAmt
PY Grants And Similar Paid	$11,000	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$11,000	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$8,026,697	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$8,434,247	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$11,386,581	PYOtherExpensesAmt
CY Other Expenses	$13,744,632	CYOtherExpensesAmt
PY Total Expenses	$19,424,278	PYTotalExpensesAmt
CY Total Expenses	$22,189,879	CYTotalExpensesAmt
PY Revenues Less Expenses	$5,370,444	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$6,363,921	CYRevenuesLessExpensesAmt
Total Assets BOY	$554,439,656	TotalAssetsBOYAmt
Total Assets EOY	$587,731,675	TotalAssetsEOYAmt
Total Liabilities BOY	$480,128,276	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$507,558,334	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$74,311,380	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$80,173,341	NetAssetsOrFundBalancesEOYAmt
Mission	COOPERATIVELY PROMOTE MEMBER THRIFT BY PROVIDING FINANCIAL SERVICES AND BENEFITS FOR OUR MEMBERSHIP.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	DURING THE YEAR THE CREDIT UNION GRANTED 15,186 LOANS TOTALING $214,546,248. IN ADDITION, 9,274 NEW MEMBERSHIPS WERE OPENED. OVERALL THE CREDIT UNION PROVIDES FINANCIAL SERVICES TO OVER 49,700 MEMBERS.	Desc
Total Program Service Expenses	$0	TotalProgramServiceExpensesAmt
Described In Section501c3	false	DescribedInSection501c3Ind
Schedule B Required	false	ScheduleBRequiredInd
Political Campaign Acty	false	PoliticalCampaignActyInd
Donor Advised Fund	false	DonorAdvisedFundInd
Conservation Easements	false	ConservationEasementsInd
Collections Of Art	false	CollectionsOfArtInd
Credit Counseling	Yes (true)	CreditCounselingInd
Temp Or Permanent Endowments	false	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (true)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	false	ReportInvestmentsOtherSecInd
Report Program Related Invst	false	ReportProgramRelatedInvstInd
Report Other Assets	false	ReportOtherAssetsInd
Report Other Liabilities	Yes (true)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (true)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	false	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	Yes (true)	ConsolidatedAuditFinclStmtInd
School Operating	false	SchoolOperatingInd
Foreign Office	false	ForeignOfficeInd
Foreign Activities	false	ForeignActivitiesInd
More Than5000 K To Org	false	MoreThan5000KToOrgInd
More Than5000 K To Individuals	false	MoreThan5000KToIndividualsInd
Professional Fundraising	false	ProfessionalFundraisingInd
Fundraising Activities	false	FundraisingActivitiesInd
Gaming Activities	false	GamingActivitiesInd
Operate Hospital	false	OperateHospitalInd
Grants To Organizations	false	GrantsToOrganizationsInd
Grants To Individuals	Yes (true)	GrantsToIndividualsInd
Schedule J Required	Yes (true)	ScheduleJRequiredInd
Tax Exempt Bonds	false	TaxExemptBondsInd
Loan Outstanding	Yes (true)	LoanOutstandingInd
Grant To Related Person	false	GrantToRelatedPersonInd
Business Rln With Org Mem	false	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	false	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	false	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	false	DeductibleNonCashContriInd
Deductible Art Contribution	false	DeductibleArtContributionInd
Terminate Operations	false	TerminateOperationsInd
Partial Liquidation	false	PartialLiquidationInd
Disregarded Entity	Yes (true)	DisregardedEntityInd
Related Entity	false	RelatedEntityInd
Related Organization Ctrl Ent	false	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
IRP Document	10525	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (true)	BackupWthldComplianceInd
Employee	165	EmployeeCnt
Employment Tax Returns Filed	Yes (true)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (true)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (true)	Form990TFiledInd
Foreign Financial Account	false	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTransInd
Taxable Party Notification	false	TaxablePartyNotificationInd
Nondeductible Contributions	false	NondeductibleContributionsInd
Indoor Tanning Services	false	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	false	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	false	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	false	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	false	DelegationOfMgmtDutiesInd
Change To Org Documents	false	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	false	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (true)	MembersOrStockholdersInd
Election Of Board Members	Yes (true)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (true)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (true)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (true)	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	false	LocalChaptersInd
Form990 Provided To Gvrn Body	Yes (true)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (true)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (true)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	false	RegularMonitoringEnfrcInd
Whistleblower Policy	false	WhistleblowerPolicyInd
Document Retention Policy	Yes (true)	DocumentRetentionPolicyInd
Compensation Process CEO	false	CompensationProcessCEOInd
Compensation Process Other	false	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	TIM LUKOMSKI	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	8128637000	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1 W GATE DRIVE	AddressLine1Txt
City	ODON	CityNm
State Abbreviation	IN	StateAbbreviationCd
ZIP	47562	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (14 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Highest Compensated EmployeeHighestCompensatedEmployeeInd
GARY E GRAY JR
CHAIRMAN	4.0	Yes (X)	Yes (X)	$16,125	$0	$0
DALE L PADGETT JR
VICE CHAIRMAN	4.0	Yes (X)	Yes (X)	$17,900	$0	$0
DAVID H FRYE
SECRETARY	4.0	Yes (X)	Yes (X)	$16,875	$0	$0
BRUCE W CUMMINGS
TREASURER	4.0	Yes (X)	Yes (X)	$14,275	$0	$0
KENNETH R GREENWELL
DIRECTOR	4.0	Yes (X)		$18,000	$0	$0
JEFFREY L SCHAFER
DIRECTOR	4.0	Yes (X)		$16,400	$0	$0
PATRICIA HERNDON
DIRECTOR	4.0	Yes (X)		$13,775	$0	$0
ROBERT DOWNS
CHIEF EXECUTIVE OFFICER (RETIRED IN 2018)	40.0		Yes (X)	$271,390	$0	$15,613
KEVIN SPARKS
PRESIDENT	40.0		Yes (X)	$170,876	$0	$98,802
TIM LUKOMSKI
CHIEF FINANCIAL OFFICER	40.0		Yes (X)	$106,621	$0	$72,904
BRYAN MYERS
COO	40.0		Yes (X)	$108,607	$0	$15,226
LINDA BROWN
CHIEF OPERATIONS OFFICER (RETIRED IN 2018)	40.0		Yes (X)	$50,225	$0	$10,044
MICHEL GARY WIGGINGTON
VP IT	40.0		Yes (X)	$87,770	$0	$39,322
PAUL VOGLER
CORPORATE ATTORNEY	40.0			$135,730	$0	$11,221	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,044,569	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$263,132	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	5	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (true)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
JACK HENRY AND ASSOCIATES
663 W HIGHWAY 60	MONETT	MO	65708	CORE BANKING SYSTEM	$274,135
QSI
107 Schuler Dr	Bardstown	KY	40004	ATM	$264,676
CUNA MUTUAL GROUP
PO BOX 2964	MILWAUKEE	WI	72212	BOND	$233,367
WINDSTREAM
4001 N RODNEY PARHAM RD	LITTLE ROCK	AR	72212	COMMUNICATION PROVIDER	$209,556
ACCESS SOFTEK
727 ALSTON WAY	BERKELEY	CA	94710	ELECTRONIC BANKING	$206,164

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	8	CntrctRcvdGreaterThan100KCnt
Total Contributions	$0	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	522100	$19,509,215	$19,509,215
INTERCHANGE ON INCOME	522100	$3,629,764	$3,629,764
SERVICE CHARGES & FESS	522100	$1,553,397	$1,464,232	$89,165
OTHER NON-INTEREST INCOME	522100	$660,143	$634,682	$25,461
LOAN FEES AND CHARGES	522100	$323,292	$323,292

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	$25,675,811	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$2,493,496	TotalRevenueColumnAmt
Exclusion	$2,493,496	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$94,537	RealAmt

Less Rental Expenses LessRentalExpensesGrp

Field	Value	IRS element (for citing)
Real	$35,473	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$59,064	RealAmt
Personal	$0	PersonalAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$59,064	TotalRevenueColumnAmt
Exclusion	$59,064	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$375,947	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$421,965	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$0	SecuritiesAmt
Other	-$46,018	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$46,018	TotalRevenueColumnAmt
Exclusion	-$46,018	ExclusionAmt

Other Revenue Misc OtherRevenueMiscGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
LIFE INSURANCE CSV	522100	$259,594	$259,594
SHARED BRANCHING	900099	$111,853	$111,853

Miscellaneous Revenue MiscellaneousRevenueGrp

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)
Other Revenue Total	$371,447	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$28,553,800	TotalRevenueColumnAmt
Related Or Exempt Func Income	$25,932,632	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$114,626	UnrelatedBusinessRevenueAmt
Exclusion	$2,506,542	ExclusionAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$11,000	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$6,170,304	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$577,263	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,237,912	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$448,768	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$140,588	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$101,000	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$731,565	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$764,735	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$385,463	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$166,260	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,289,384	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$71,304	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$2,414,482	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,576,885	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$264,386	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
DATA PROCESSING FEES	$1,782,442
LOAN SERVICING EXPENSE	$1,629,143
PROVISION FOR LOAN LOSS	$1,104,253
EDUCATION AND PROMOTION	$658,297

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$664,445	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$22,189,879	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$4,750,553	BOYAmt
EOY	$4,962,843	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$27,036,362	BOYAmt
EOY	$27,894,538	EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$1,196,401	BOYAmt
EOY	$1,320,380	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$464,651	BOYAmt
EOY	$394,988	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

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

Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$351,555	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$392,762,784	BOYAmt
EOY	$448,053,419	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$429,416	BOYAmt
EOY	$586,840	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$9,840,601	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$0	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$10,428,419	BOYAmt
EOY	$9,840,601	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$88,641,706	BOYAmt
EOY	$72,183,413	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

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

Investments Program Related InvestmentsProgramRelatedGrp

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

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$28,729,364	BOYAmt
EOY	$22,143,098	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$554,439,656	BOYAmt
EOY	$587,731,675	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$2,966,805	BOYAmt
EOY	$3,393,707	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$479,571	BOYAmt
EOY	$546,813	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	$26,500,000	BOYAmt
EOY	$43,500,000	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$450,181,900	BOYAmt
EOY	$460,117,814	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$480,128,276	BOYAmt
EOY	$507,558,334	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow SFAS117	Yes (X)	OrgDoesNotFollowSFAS117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

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

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

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

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$74,311,380	BOYAmt
EOY	$80,173,341	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$74,311,380	BOYAmt
EOY	$80,173,341	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$554,439,656	BOYAmt
EOY	$587,731,675	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$6,363,921	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$501,960	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	Yes (true)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Consolidated Basis Fincl Stmt	Yes (X)	ConsolidatedBasisFinclStmtInd

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

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	false	AgentTrusteeEtcInd
Incl Escrow Custodial Acct Liab	Yes (true)	InclEscrowCustodialAcctLiabInd
Explanation Provided	Yes (X)	ExplanationProvidedInd

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,493,074	OtherCostOrOtherBasisAmt
Book Value	$2,493,074	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$5,755,061	OtherCostOrOtherBasisAmt
Book Value	$5,755,061	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,592,466	OtherCostOrOtherBasisAmt
Book Value	$1,592,466	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$9,840,601	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBERS' SHARES	Desc
Amt	$460,117,814	Amt

Field	Value	IRS element (for citing)
Total Liability	$460,117,814	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc

ExplanationExplanationTxt

Schedule D, Part IV, Line 2b Explanation of escrow agreement

THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR PROPERTY TAXES AND INSURANCE FOR MEMBER LOANS.

Schedule D, Part X, Line 2 FIN 48 (ASC 740) footnote

THE CREDIT UNION IS STATE CHARTERED AND FEDERALLY TAX-EXEMPT UNDER INTERNAL REVENUE CODE 501(C)(14), EXCEPT TO THE EXTENT OF UNRELATED BUSINESS INCOME. AN EXEMPT ORGANIZATION RETURN AND UNRELATED BUSINESS INCOME TAX RETURNS ARE FILED ANNUALLY WITH THE APPLICABLE FEDERAL AND STATE JURISDICTIONS. UNRELATED BUSINESS INCOME TAX IS INSIGNIFICANT AND NO TAX PROVISION HAS BEEN MADE IN THE ACCOMPANYING CONSOLIDATED FINANCIAL STATEMENTS. THE CREDIT UNION'S WHOLLY OWNED SUBSIDIARIES ARE DISREGARDED ENTITIES FOR TAX PURPOSES AND ARE THEREFORE NOT SUBJECT TO FEDERAL INCOME TAX. THE CREDIT UNION MAY RECOGNIZE A LIABILITY FOR UNRECOGNIZED TAX BENEFITS FROM UNCERTAIN TAX POSITIONS. THE CREDIT UNION HAD NO UNRECOGNIZED TAX BENEFITS AT DECEMBER 31, 2018 AND 2017.

Schedule I IRS990ScheduleI

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

Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp

Field	Value	IRS element (for citing)
Grant Type	SCHOLARSHIPS	GrantTypeTxt
Recipient	11	RecipientCnt
Cash Grant	$11,000	CashGrantAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Schedule I, Part I, Line 2 Procedures for monitoring use of grant funds.	FormAndLineReferenceDesc
Explanation	SCHOLARSHIP FINALISTS WILL BE CHOSEN BY A SCHOLARSHIP COMMITTEE AND APPROVED BY THE BOARD OF DIRECTORS. APPLICANTS WILL BE JUDGED ON THE FOLLOWING: APPLICATION 30%, ACADEMIC PROFILE 10%, ESSAY 60%.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Written Policy Ref T And E Expnss	Yes (true)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (true)	SubstantiationRequiredInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	false	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (true)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	false	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (3 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
ROBERT DOWNS
CHIEF EXECUTIVE OFFICER (RETIRED IN 2018)	$250,452	$0	$20,000	$0	$938	$0	$15,613	$0	$0	$0	$287,003	$0	$0	$0
KEVIN SPARKS
PRESIDENT	$165,086	$0	$5,430	$0	$360	$0	$77,820	$0	$20,982	$0	$269,678	$0	$0	$0
TIM LUKOMSKI
CHIEF FINANCIAL OFFICER	$102,793	$0	$3,619	$0	$209	$0	$51,922	$0	$20,982	$0	$179,525	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Schedule J, Part I, Line 1a Travel for companions	AIRFARE FOR BOARD MEMBERS' SPOUSES IS PAID BY THE CREDIT UNION. SPOUSES' MEALS ARE PAID FOR FOR ANY CREDIT UNION EMPLOYEE OR BOARD MEMBER ON OFFICIAL CREDIT UNION BUSINESS. THESE EXPENSES WERE NOT INCLUDED IN TAXABLE INCOME TO THE BOARD MEMBER.
Schedule J, Part I, Line 4b Supplemental nonqualified retirement plan	SEVERAL MEMBERS OF EXECUTIVE MANAGEMENT PARTICIPATE IN A NON-QUALIFIED RETIREMENT PLAN. Distributions from the plan for 2018 are as follows: Robert Downs, CEO - $165,000 CONTRIBUTIONS TO THE PLAN FOR 2018 ARE AS FOLLOWS: KEVIN SPARKS, PRESIDENT - $63,615 TIM LUKOMSKI, CFO - $42,583 Bryan Myers, COO - $13,133 Michel Wiggington, VP IT - $10,525

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (9 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
TIM LUKOMSKI
CFO	PRIMARY RESIDENCE	Yes (X)	$144,900	$131,762	false	false	Yes (true)
TIM LUKOMSKI
CFO	RV	Yes (X)	$56,307	$55,707	false	false	Yes (true)
TIM LUKOMSKI
CFO	HOME EQUITY	Yes (X)	$37,500	$37,500	false	false	Yes (true)
BRYAN MYERS
COO	AUTO	Yes (X)	$30,000	$11,692	false	false	Yes (true)
BRYAN MYERS
COO	PRIMARY RESIDENCE	Yes (X)	$156,000	$99,076	false	false	Yes (true)
MIKE WIGGINGTON
VP of IT	AUTO	Yes (X)	$19,036	$2,999	false	false	Yes (true)
MIKE WIGGINGTON
VP of IT	PRIMARY RESIDENCE		$170,000	$150,349	false	false	Yes (true)
MIKE WIGGINGTON
VP of IT	HOME EQUITY	Yes (X)	$30,000	$9,486	false	false	Yes (true)
MIKE WIGGINGTON
VP of IT	UNSECURED	Yes (X)	$5,393	$3,333	false	false	Yes (true)

Field	Value	IRS element (for citing)
Total Balance Due	$501,904	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (5 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Form 990, Part VI, Line 6 Classes of members or stockholders	THE CREDIT UNION HAS MEMBERS.
Form 990, Part VI, Line 7a Members or stockholders electing members of governing body	EACH MEMBER IS ENTITLED TO ONE VOTE ON ALL MATTERS BROUGHT TO VOTE AT THE ANNUAL MEETING.
Form 990, Part VI, Line 7b Decisions requiring approval by members or stockholders	MEMBERSHIP VOTE IS REQUIRED FOR MERGERS AND CHARTER CONVERSIONS.
Form 990, Part VI, Line 11b Review of form 990 by governing body	FORM 990 IS PREPARED BY AN OUTSIDE ACCOUNTING FIRM, THEN REVIEWED BY THE CREDIT UNION'S CFO AND PRESIDENT.
Form 990, Part VI, Line 19 Required documents available to the public	THE CREDIT UNION'S GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE NOT MADE AVAILABLE TO THE PUBLIC. FINANCIAL STATEMENTS ARE POSTED QUARTERLY IN CREDIT UNION BRANCHES.

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp (2 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	EINEIN	Primary ActivitiesPrimaryActivitiesTxt	Legal Domicile StateLegalDomicileStateCd	Total IncomeTotalIncomeAmt	End Of Year AssetsEndOfYearAssetsAmt	Business Name Line1DirectControllingEntityName/BusinessNameLine1Txt
CRANE TITLE LLC
1 W GATE DRIVE	ODON	IN	47562	271534978	LEGAL SERVICES AND TITLE WORK	IN	$54,603	$0	CRANE CREDIT UNION
CRANE FCU PROPERTIES
1 W GATE DRIVE	ODON	IN	47562	271537278	PROPERTY MANAGEMENT	IN	$0	$0	CRANE CREDIT UNION