CREDIT UNIONS IN STATE OF ARIZONA: Form 990, tax year 2018

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS IN STATE OF ARIZONA (EIN 86-0108241)
Tax period: 2018-01-01 to 2018-12-31
Filed: 2019-05-01
IRS object ID: 201941219349300249
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 J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2019-05-01T10:55:48-05:00	ReturnTs
Tax Period End	2018-12-31	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	12060 S W 129TH COURT STE 201	AddressLine1Txt
City	MIAMI	CityNm
State Abbreviation	FL	StateAbbreviationCd
ZIP	331864582	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	860108241	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	CRED	BusinessNameControlTxt
Phone	6026313200	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 7600	AddressLine1Txt
City	GLENDALE	CityNm
State Abbreviation	AZ	StateAbbreviationCd
ZIP	853127600	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	PAMELA CHAN	PersonNm
Person Title	SVP - CFO	PersonTitleTxt
Phone	6026313200	PhoneNum
Signature	2019-05-01	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	DOUGLAS J ORTH	PreparerPersonNm
PTIN	P01076394	PTIN
Phone	3052328272	PhoneNum

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	64.95.240.2	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2019-05-01	IPDt
IP Tm	09:25:41	IPTm
IP Timezone	ED	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	DA39A3EE5E6B4B0D3255BFEF95601890AFD80709	AtSubmissionCreationDeviceId
At Submission Filing Device Id	A7DB26C3BB201601930FCFA0C4651552B54C26A2	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2018	TaxYr
Build TS	2019-02-21 02:37:17Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	KAREN ROCH	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 7600	AddressLine1Txt
City	GLENDALE	CityNm
State Abbreviation	AZ	StateAbbreviationCd
ZIP	853127600	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$41,279,180	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.CUWEST.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1951	FormationYr
Legal Domicile State	AZ	LegalDomicileStateCd
Activity Or Mission	FINANCIAL COOPERATIVE TO PROVIDE LOANS AND FINANCIAL SERVICES TO CREDIT UNION MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	241	TotalEmployeeCnt
Total Volunteers	12	TotalVolunteersCnt
Total Gross UBI	$366,886	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$34,134,489	PYProgramServiceRevenueAmt
CY Program Service Revenue	$39,019,705	CYProgramServiceRevenueAmt
PY Investment Income	$2,096,490	PYInvestmentIncomeAmt
CY Investment Income	$1,693,821	CYInvestmentIncomeAmt
PY Other Revenue	$26,074	PYOtherRevenueAmt
CY Other Revenue	$10,646	CYOtherRevenueAmt
PY Total Revenue	$36,257,053	PYTotalRevenueAmt
CY Total Revenue	$40,724,172	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	$14,896,204	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$16,386,627	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$16,300,348	PYOtherExpensesAmt
CY Other Expenses	$18,229,377	CYOtherExpensesAmt
PY Total Expenses	$31,196,552	PYTotalExpensesAmt
CY Total Expenses	$34,616,004	CYTotalExpensesAmt
PY Revenues Less Expenses	$5,060,501	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$6,108,168	CYRevenuesLessExpensesAmt
Total Assets BOY	$674,766,463	TotalAssetsBOYAmt
Total Assets EOY	$714,248,010	TotalAssetsEOYAmt
Total Liabilities BOY	$607,681,921	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$640,248,970	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$67,084,542	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$73,999,040	NetAssetsOrFundBalancesEOYAmt
Mission	PROVIDING LOANS/SERVICES TO CREDIT UNION MEMBERS.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	FINANCIAL COOPERATIVE TO PROVIDE LOANS AND FINANCIAL SERVICES TO CREDIT UNION MEMBERS.	Desc
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
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
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	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 With Officer Ent	0	BusinessRlnWithOfficerEntInd
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	18362	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	241	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	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

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Phone	6026313200	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	10150 W DESERT RIVER BLVD	AddressLine1Txt
City	GLENDALE	CityNm
State Abbreviation	AZ	StateAbbreviationCd
ZIP	85305	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (22 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Key EmployeeKeyEmployeeInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
FRANCES LAGUNA
DIRECTOR	1.00	Yes (X)	$0	$0	$0
EDWARD LOGAN
DIRECTOR	1.00	Yes (X)	$0	$0	$0
GARY LARBERG
DIRECTOR	1.00	Yes (X)	$0	$0	$0
JAMES CRONK
DIRECTOR	1.00	Yes (X)	$0	$0	$0
JOHN SCHURGARD
DIRECTOR	1.00	Yes (X)	$0	$0	$0
CHARLES HOSKINS
DIRECTOR	1.00	Yes (X)	$0	$0	$0
LUIS GENDREAU
CHAIRMAN	1.00	Yes (X)	$0	$0	$0
RAYMOND BOUCHER
V. CHAIRMAN	1.00	Yes (X)	$0	$0	$0
SANDRA LAGESSE
DIRECTOR	1.00	Yes (X)	$0	$0	$0
MACGREGOR ROBERT W
CEO/PRESIDENT	40.00		$497,365	$0	$58,604	Yes (X)
ROCH KAREN
CEO/PRESIDENT	40.00		$320,267	$0	$55,066	Yes (X)
BIRR ROBERT
VP- CHIEF LENDING OFFICER	40.00		$218,565	$0	$57,780	Yes (X)
CHAN PAMELA
SVP- CHIEF FINANCIAL OFFICE	40.00		$207,406	$0	$56,510	Yes (X)
GRUNDY SCOTT
VP- CHIEF INFORMATION OFFI	40.00		$214,863	$0	$51,890	Yes (X)
CRUZ DIANA
VP- ENTERPRISE RISK MANAGE	40.00		$192,820	$0	$41,492		Yes (X)
WINTER DEBBIE
VP OF BRANCHES	40.00		$178,540	$0	$47,536		Yes (X)
YVONNE ROSS
VP - HUMAN RESOURCES AND D	40.00		$168,940	$0	$60,808		Yes (X)
ALLAN SWITALSKI
VP - MARKETING	40.00		$173,381	$0	$48,840		Yes (X)
SETH R BAKER
IT MANAGER	40.00		$129,934	$0	$19,503			Yes (X)
JODY BLOSS
SENIOR LOAN MANAGER	40.00		$120,355	$0	$18,788			Yes (X)
DANIELLE GREEN
SR. MANAGER OF BRANCH OPER	40.00		$118,727	$0	$16,056			Yes (X)
FIELDSONNICHOLAS G
INVESTMENT ADVISOR	40.00		$130,428	$0	$19,332			Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,671,591	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$552,205	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	13	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
DECCA COMMERCIAL BUILDERS INC
16050 N 76TH STREET 101	SCOTTSDALE	AZ	85260	CONSTRUCTION	$11,719,547
VANTIV LLC
8500 GOVERNORS HILL DR	SYMMES TOWNSHIP	OH	45249	ATM AND DEBIT CREDIT CARD PROCESSING	$981,840
MASTERCARD INTERNATIONAL
2200 MASTERCARD BLVD	OFALLEN	MO	633687263	CREDIT CARD ISSUER	$676,130
LENDING SOLUTIONS INCORPORATED
2200 POINT BLVD	ELGIN	IL	60123	CALL CENTER/CUSTOMER SERVICE	$571,640
JACK HENRY & ASSOCIATES INC
PO BOX 609	MONETT	MO	65708	CORE PROCESSING	$435,381

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	18	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
LOANS TO MEMBERS	522100	$27,933,013	$27,933,013
FEES/CHARGES/OTHER	522100	$10,719,806	$10,719,806
UNRELATED BUSINESS INCOME	525990	$217,068		$217,068
UNRELATED BUSINESS INCOME	523920	$147,223		$147,223
UNRELATED BUSINESS INCOME	900099	$2,595		$2,595

Field	Value	IRS element (for citing)
Total Program Service Revenue	$39,019,705	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,698,338	TotalRevenueColumnAmt
Exclusion	$1,698,338	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$25,654	RealAmt

Less Rental Expenses LessRentalExpensesGrp

Field	Value	IRS element (for citing)
Real	$15,008	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$10,646	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$10,646	TotalRevenueColumnAmt
Exclusion	$10,646	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$535,483	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$540,000	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	-$4,517	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$4,517	TotalRevenueColumnAmt
Related Or Exempt Func Income	-$4,517	RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$40,724,172	TotalRevenueColumnAmt
Related Or Exempt Func Income	$38,648,302	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$366,886	UnrelatedBusinessRevenueAmt
Exclusion	$1,708,984	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	$2,428,452	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$8,874,665	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$2,270,056	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$2,004,383	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$809,071	TotalAmt

Fees For Services Management FeesForServicesManagementGrp

Field	Value	IRS element (for citing)
Total	$72,593	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$87,926	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$31,729	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$677,181	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$943,057	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$2,354,726	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$1,312,433	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$688,392	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$90,958	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$6,023	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$3,337,580	TotalAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$42,065	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,181,721	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$110,555	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
LOAN SERVICING	$3,632,064
PROVISION FOR LOAN LOSS	$2,679,456
MAINTENANCE	$365,913
ATM EXPENSES	$337,194

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$277,811	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$34,616,004	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$3,896,904	BOYAmt
EOY	$3,960,894	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$32,541,566	BOYAmt
EOY	$27,310,297	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$1,280,110	BOYAmt
EOY	$1,264,348	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$523,608,670	BOYAmt
EOY	$582,019,000	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$842,577	BOYAmt
EOY	$919,644	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$27,873,417	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$11,982,910	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$17,023,826	BOYAmt
EOY	$15,890,507	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$56,516,851	BOYAmt
EOY	$43,865,846	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$10,054,745	BOYAmt
EOY	$7,566,645	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$29,001,214	BOYAmt
EOY	$31,450,829	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$674,766,463	BOYAmt
EOY	$714,248,010	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$15,491,800	BOYAmt
EOY	$14,256,603	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	$592,190,121	BOYAmt
EOY	$605,992,367	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$607,681,921	BOYAmt
EOY	$640,248,970	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
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	$67,084,542	BOYAmt
EOY	$73,999,040	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$67,084,542	BOYAmt
EOY	$73,999,040	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$674,766,463	BOYAmt
EOY	$714,248,010	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$6,108,168	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$202,682	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$1,009,012	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	$7,259,040	OtherCostOrOtherBasisAmt
Book Value	$7,259,040	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$10,715,426	OtherCostOrOtherBasisAmt
Depreciation	$3,072,719	DepreciationAmt
Book Value	$7,642,707	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,186,133	OtherCostOrOtherBasisAmt
Depreciation	$1,186,133	DepreciationAmt
Book Value	$0	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$8,712,818	OtherCostOrOtherBasisAmt
Depreciation	$7,724,058	DepreciationAmt
Book Value	$988,760	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$15,890,507	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (4 entries)

DescDesc	AmtAmt
SHARE ACCOUNTS	$232,043,650
SHARE DRAFT ACCOUNTS	$171,537,234
MONEY MARKET ACCOUNTS	$102,163,383
SHARE AND IRA CERTIFICATES	$100,248,100

Field	Value	IRS element (for citing)
Total Liability	$605,992,367	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$40,724,172	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$40,724,172	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$40,724,172	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$34,616,004	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$34,616,004	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$34,616,004	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 (INTERNAL REVENUE CODE SECTION 501(C)(14), FROM FEDERAL INCOME TAX. THE INCOME TAXES TOPIC OF THE FINANCIAL ACCOUNTING STANDARDS BOARD (FASB) ACCOUNTING STANDARDS CODIFICATION CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE "MORE LIKELY THAN NOT" STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN INTERNAL REVENUE CODE (IRC) SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (UBI) DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNING IN MARCH 2008, THE INTERNAL REVENUE SERVICE (IRS) RELEASED TECHNICAL ADVICE MEMORANDUMS (TAMS) TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UNRELATED BUSINESS INCOME TAX (UBIT). UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNION'S ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2017, 2016, AND 2015 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS. IN DECEMBER 2017, CONGRESS PASSED THE TAX CUT AND JOBS ACT OF 2017. THE PROVISIONS OF THE ACT CHANGE THE WAY CERTAIN TAX-EXEMPT ORGANIZATIONS, INCLUDING STATE-CHARTERED CREDIT UNIONS, WILL REPORT AND INCUR TAX ON UBI. THE PROVISIONS IMPOSE AN EXCISE TAX ON NON-PROFIT EXECUTIVE COMPENSATION AND INCREASES UNRELATED BUSINESS TAXABLE INCOME BY DISALLOWING CERTAIN BENEFIT DEDUCTIONS. THIS CHANGE IS EFFECTIVE FOR TAX PERIODS BEGINNING AFTER DECEMBER 31, 2017.	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
Independent Consultant	Yes (X)	IndependentConsultantInd
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 (9 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
MACGREGOR ROBERT W
CEO/PRESIDENT	$362,916	$0	$117,953	$0	$16,496	$0	$56,750	$0	$1,854	$0	$555,969	$0	$0	$0
ROCH KAREN
CEO/PRESIDENT	$265,061	$0	$42,994	$0	$12,212	$0	$50,610	$0	$4,456	$0	$375,333	$0	$0	$0
BIRR ROBERT
VP- CHIEF LENDING OFFICER	$173,915	$0	$43,613	$0	$1,037	$0	$47,354	$0	$10,426	$0	$276,345	$0	$0	$0
CHAN PAMELA
SVP- CHIEF FINANCIAL OFFICE	$173,074	$0	$32,557	$0	$1,775	$0	$51,639	$0	$4,871	$0	$263,916	$0	$0	$0
GRUNDY SCOTT
VP- CHIEF INFORMATION OFFI	$169,567	$0	$41,757	$0	$3,539	$0	$47,316	$0	$4,574	$0	$266,753	$0	$0	$0
CRUZ DIANA
VP- ENTERPRISE RISK MANAGE	$153,121	$0	$38,764	$0	$935	$0	$35,936	$0	$5,556	$0	$234,312	$0	$0	$0
WINTER DEBBIE
VP OF BRANCHES	$147,660	$0	$29,657	$0	$1,223	$0	$43,296	$0	$4,240	$0	$226,076	$0	$0	$0
YVONNE ROSS
VP - HUMAN RESOURCES AND D	$142,907	$0	$25,116	$0	$917	$0	$41,487	$0	$19,321	$0	$229,748	$0	$0	$0
ALLAN SWITALSKI
VP - MARKETING	$145,502	$0	$27,039	$0	$840	$0	$43,000	$0	$5,840	$0	$222,221	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 4B	FormAndLineReferenceDesc
Explanation	DURING 2018, THE FOLLOWING EMPLOYEES PARTICIPATED IN A NON-QUALIFIED RETIREMENT PLAN. ROCH, KAREN $282,773.00 ACCRUAL CHAN, PAMELA $79,846.00 ACCRUAL GRUNDY, SCOTT $43,330.00 ACCRUAL WINTER, DEBBIE $37,464.00 ACCRUAL BIRR, ROBERT $20,445.00 ACCRUAL CRUZ, DIANA $20,445.00 ACCRUAL ROSS, YVONNE $22,205.00 ACCRUAL SWITALSKI, ALLAN $20,323.00 ACCRUAL	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (10 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	CREDIT UNION IS OWNED BY ITS MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7A	MEMBERSHIP VOTES TO ELECT GOVERNING BODY.
FORM 990, PART VI, SECTION A, LINE 7B	MEMBERSHIP VOTES ON ANY GOVERNING BY-LAWS CHANGES.
FORM 990, PART VI, SECTION B, LINE 11B	A COPY OF THE FORM 990 TAX RETURN IS REVIEWED BY THE BOARD OF DIRECTORS PRIOR TO THE RETURN BEING FILED.
FORM 990, PART VI, SECTION B, LINE 12C	CONFLICT OF INTEREST FORM IS SIGNED ANNUALLY. INDIVIDUALS MUST REPORT ANY CONFLICT OF INTEREST AT THE TIME IT ARISES.
FORM 990, PART VI, SECTION B, LINE 15	15(A) COMPENSATION COMMITTEE REVIEWS INFORMATION FROM INDEPENDENT COMPENSATION CONSULTANT AND A COMPENSATION SURVEY FOR CEO'S AND RECOMMENDS SALARY RANGE FOR EACH POSITION. CEO'S COMPENSATION IS APPROVED BY THE BOARD. 15(B) COMPENSATION FOR OTHER OFFICERS IS REVIEWED BY THE COMPENSATION COMMITTEE BASED ON INPUT FROM AN INDEPENDENT COMPENSATION CONSULTANT AND A COMPENSATION SURVEY.
FORM 990, PART VI, SECTION C, LINE 19	FINANCIAL STATEMENTS ARE POSTED AT ALL BRANCH LOCATIONS. GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE REVIEWED ANNUALLY BY THE BOARD OF DIRECTORS REPRESENTING THE ENTIRE MEMBERSHIP. OTHER POLICY STATEMENTS MAY BE AVAILABLE UPON REQUEST.
FORM 990, PART IX, LINE 24E	MISCELLANEOUS 277,811.
FORM 990, PART XI, LINE 9:	OTHER COMPREHENSIVE INCOME-DEFINED BENEFIT PENSION PLAN 1,009,012.
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.