AZURA CREDIT UNION: Form 990, tax year 2018

View the entire original 990 at ProPublica ↗

Organization: AZURA CREDIT UNION (EIN 48-0625190)
Tax period: 2018-01-01 to 2018-12-31
Filed: 2019-05-14
IRS object ID: 201941349349302729
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	2019-05-14T10:21:16-05:00	ReturnTs
Tax Period End	2018-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	810781371	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	J TENBRINK & ASSOCIATES	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	11272 S RIDGEVIEW RD	AddressLine1Txt
City	OLATHE	CityNm
State Abbreviation	KS	StateAbbreviationCd
ZIP	66061	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	480625190	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	AZUR	BusinessNameControlTxt
Phone	7852335556	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	610 SW 10TH AVENUE	AddressLine1Txt
City	TOPEKA	CityNm
State Abbreviation	KS	StateAbbreviationCd
ZIP	666121673	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	GREG WINKLER	PersonNm
Person Title	PRESIDENT/CEO	PersonTitleTxt
Phone	7852335556	PhoneNum
Signature	2019-05-14	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	JERRY TENBRINK	PreparerPersonNm
PTIN	P00638199	PTIN
Phone	9138946214	PhoneNum

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	97.87.82.114	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2019-05-14	IPDt
IP Tm	10:21:03	IPTm
IP Timezone	CD	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	DF81630E7C01E54DA6D3CC5C7C1702BCCB5963A3	AtSubmissionCreationDeviceId
At Submission Filing Device Id	DF81630E7C01E54DA6D3CC5C7C1702BCCB5963A3	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	GREG WINKLER	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	610 SW 10TH AVENUE	AddressLine1Txt
City	TOPEKA	CityNm
State Abbreviation	KS	StateAbbreviationCd
ZIP	666121673	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$32,067,308	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.AZURACU.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1974	FormationYr
Legal Domicile State	KS	LegalDomicileStateCd
Activity Or Mission	AZURA IS ENHANCING LIVES BY DELIVERING INNOVATIVE FINANCIAL SERVICE, EDUCATION, AND VALUE.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	204	TotalEmployeeCnt
Total Volunteers	14	TotalVolunteersCnt
Total Gross UBI	$155,289	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$20,658,554	PYProgramServiceRevenueAmt
CY Program Service Revenue	$23,499,480	CYProgramServiceRevenueAmt
PY Investment Income	$2,662,133	PYInvestmentIncomeAmt
CY Investment Income	$2,443,867	CYInvestmentIncomeAmt
PY Other Revenue	$24,066	PYOtherRevenueAmt
CY Other Revenue	$32,283	CYOtherRevenueAmt
PY Total Revenue	$23,344,753	PYTotalRevenueAmt
CY Total Revenue	$25,975,630	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$11,426	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$8,546,653	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$9,161,735	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$11,988,115	PYOtherExpensesAmt
CY Other Expenses	$12,970,594	CYOtherExpensesAmt
PY Total Expenses	$20,534,768	PYTotalExpensesAmt
CY Total Expenses	$22,143,755	CYTotalExpensesAmt
PY Revenues Less Expenses	$2,809,985	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$3,831,875	CYRevenuesLessExpensesAmt
Total Assets BOY	$477,439,542	TotalAssetsBOYAmt
Total Assets EOY	$481,919,271	TotalAssetsEOYAmt
Total Liabilities BOY	$426,450,429	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$427,332,391	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$50,989,113	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$54,586,880	NetAssetsOrFundBalancesEOYAmt
Mission	AZURA IS ENHANCING LIVES BY DELIVERING INNOVATIVE FINANCIAL SERVICE, EDUCATION, AND VALUE THROUGH PERSONAL AND COMMUNITY ENGAGEMENT.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 50,467 MEMBERS.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2018, THERE WERE 28,113 LOANS OUTSTANDING TOTALING $354,549,725.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $2,457,785 FOR THE YEAR.	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
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
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 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	Yes (1)	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	14767	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	204	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	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	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	0	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	Yes (1)	InvestmentInJointVentureInd
Written Policy Or Procedure	Yes (1)	WrittenPolicyOrProcedureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	DAVID LINDERMAN	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	7852335556	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	610 SW 10TH AVENUE	AddressLine1Txt
City	TOPEKA	CityNm
State Abbreviation	KS	StateAbbreviationCd
ZIP	666121673	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (15 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
JIM FROWNFELTER
CHAIRMAN	2.00	Yes (X)	$0	$0	$0
BOBB COLLIE
VICE CHAIRMAN	2.00	Yes (X)	$0	$0	$0
SHIRLEY MARTIN
TREASURER	2.00	Yes (X)	$0	$0	$0
DONALD FRICK
SECRETARY	2.00	Yes (X)	$0	$0	$0
ROBERT BALSTERS
DIRECTOR	2.00	Yes (X)	$0	$0	$0
MARCIA DECHAND
DIRECTOR	2.00	Yes (X)	$0	$0	$0
BRAD DEITER
DIRECTOR	2.00	Yes (X)	$0	$0	$0
RANDY PACHOSA
DIRECTOR	2.00	Yes (X)	$0	$0	$0
BRYAN VARGAS
DIRECTOR	2.00	Yes (X)	$0	$0	$0
GREG WINKLER
PRESIDENT/CEO	40.00		$273,621	$0	$55,477	Yes (X)
RONALD BARON
SVP-FINANCE & ACCTNG/CFO (THRU 6/15/18)	40.00		$80,007	$0	$12,109	Yes (X)
LISA BROWN
SVP-ADMINISTRATION/CAO	40.00		$150,641	$0	$23,005	Yes (X)
BRENTT MOON
SVP-OPERATIONS & INFO SYSTEMS/CIO	40.00		$148,003	$0	$27,069	Yes (X)
EVAN BOUNOUS
SENIOR NETWORK ENGINEER	40.00		$131,632	$0	$37,036		Yes (X)
JANICE DAVIS
VP - LENDING	40.00		$106,936	$0	$33,391		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$890,840	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$188,087	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
Cntrct Rcvd Greater Than100 K	0	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	522100	$15,416,132	$15,416,132
FEES & OTHER INCOME	522100	$7,928,059	$7,928,059
NON-MEMBER REVENUE	522100	$116,196		$116,196
WARRANTY SALES & OTHER INSURANCE	524298	$31,328		$31,328
OTHER	900099	$7,765		$7,765

Field	Value	IRS element (for citing)
Total Program Service Revenue	$23,499,480	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$2,466,641	TotalRevenueColumnAmt
Related Or Exempt Func Income	$2,466,641	RelatedOrExemptFuncIncomeAmt

Royalties Revenue RoyaltiesRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$32,283	TotalRevenueColumnAmt
Related Or Exempt Func Income	$32,283	RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$5,756,003	SecuritiesAmt
Other	$312,901	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$5,750,304	SecuritiesAmt
Other	$341,374	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$5,699	SecuritiesAmt
Other	-$28,473	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$22,774	TotalRevenueColumnAmt
Related Or Exempt Func Income	-$22,774	RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$25,975,630	TotalRevenueColumnAmt
Related Or Exempt Func Income	$25,820,341	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$155,289	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$11,426	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$769,932	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$6,797,298	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$341,331	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$755,862	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$497,312	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$13,105	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$157,598	TotalAmt

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$7,180	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$193,021	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$667,040	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$2,807,098	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$750,341	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$781,408	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$19,350	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$180,924	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$91,170	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,403,566	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$122,914	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
MEMBER DIVIDENDS	$2,457,785
PROVISION FOR LOAN LOSS	$2,268,251
LOAN SERVICING	$938,203
ASSOCIATION DUES	$64,509

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$47,131	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$22,143,755	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$4,142,970	BOYAmt
EOY	$3,674,434	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$18,729,527	BOYAmt
EOY	$10,838,113	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$191,689	BOYAmt
EOY	$152,604	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
EOY	$4,050,000	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$316,777,657	BOYAmt
EOY	$352,506,443	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$608,283	BOYAmt
EOY	$613,861	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$15,212,652	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$5,177,554	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$9,742,359	BOYAmt
EOY	$10,035,098	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$118,086,484	BOYAmt
EOY	$86,588,737	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$9,160,573	BOYAmt
EOY	$13,459,981	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$477,439,542	BOYAmt
EOY	$481,919,271	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$7,514,475	BOYAmt
EOY	$5,277,246	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
EOY	$10,000,000	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$418,935,954	BOYAmt
EOY	$412,055,145	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$426,450,429	BOYAmt
EOY	$427,332,391	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	$50,989,113	BOYAmt
EOY	$54,586,880	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$50,989,113	BOYAmt
EOY	$54,586,880	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$477,439,542	BOYAmt
EOY	$481,919,271	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$3,831,875	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$234,108	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

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	$2,153,879	OtherCostOrOtherBasisAmt
Book Value	$2,153,879	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$8,951,512	OtherCostOrOtherBasisAmt
Depreciation	$2,322,539	DepreciationAmt
Book Value	$6,628,973	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$524,030	OtherCostOrOtherBasisAmt
Depreciation	$511,119	DepreciationAmt
Book Value	$12,911	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,583,231	OtherCostOrOtherBasisAmt
Depreciation	$2,343,896	DepreciationAmt
Book Value	$1,239,335	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$10,035,098	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (11 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
HTM-FED AGENCY SEC	$14,000,000	C
AFS-MORTGAGE BACKED/CMO	$53,397,024	F
AFS-FED AGENCY SEC	$1,992,250	F
HTM-MORTGAGE BACKED/CMO	$13,603,945	C
HTM-MUNICIPAL BONDS	$1,000,000	C
FHLB CLASS A STOCK	$477,300	C
AFS-BANK NOTES	$1,981,620	F
MEMBERS MORT SVCS, LLC	$106,362	C
CROCO CUSO, LLC	$1,005	C
FHLB CLASS B STOCK	$9,500	C
CULEDGER HEARTLAND, LLC	$19,731	C

Field	Value	IRS element (for citing)
Total Book Value Securities	$86,588,737	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARE DEPOSITS	Desc
Amt	$412,055,145	Amt

Field	Value	IRS element (for citing)
Total Liability	$412,055,145	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$25,975,630	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$25,975,630	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$25,975,630	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$22,143,755	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$22,143,755	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$22,143,755	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 UNDER THE PROVISIONS OF SECTION 501 OF THE INTERNAL REVENUE CODE (IRC) OF 1954; HOWEVER, THE CREDIT UNION'S UNRELATED BUSINESS INCOME AND SUBSIDIARIES ARE SUBJECT TO FEDERAL INCOME TAXES. THERE WERE NO SIGNIFICANT INCOME TAXES FOR THE YEAR ENDED DECEMBER 31, 2018. ACCOUNTING PRINCIPLES PRESCRIBE A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE CREDIT UNION HAD NO UNRECOGNIZED TAX POSITIONS AT DECEMBER 31, 2018. IT IS THE CREDIT UNION'S POLICY TO RECORD ANY PENALTIES OR INTEREST ARISING FROM FEDERAL OR STATE TAXES AS A COMPONENT OF NONINTEREST EXPENSE.	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	2	$2,000
TEACHER MINI GRANTS	43	$9,426

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2:	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION AWARDS THE "DIANE WRIGHT MEMORIAL SCHOLARSHIP AND THE "ABOVE AND BEYOND" SCHOLARSHIP" TO STUDENTS WHO WILL BE ATTENDING AN ACCREDITED HIGHER EDUCATION INSTITUTE WITHIN THE STATE OF KANSAS, OR WITHIN 25 MILES OF AN AZURA CREDIT UNION. APPLICATIONS ARE REVIEWED BY A SELECTION COMMITTEE AND WINNERS ARE AWARDED $1,000 WITH PROCEEDS PAID DIRECTLY TO THE COLLEGE/UNIVERSITY OR TECHNICAL SCHOOL. IN ADDITION, TEACHERS MAY APPLY FOR MINI-GRANTS TO HELP COVER THE COST OF VARIOUS CLASSROOM PROJECTS. APPLICATIONS ARE REVIEWED BY AZURA'S BUSINESS DEVELOPMENT STAFF AND FUNDS ARE PAID TO THE VENDOR SUPPLIER OR TO THE SCHOOL.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Committee	Yes (X)	CompensationCommitteeInd
Form990 Of Other Organizations	Yes (X)	Form990OfOtherOrganizationsInd
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 (4 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
GREG WINKLER
PRESIDENT/CEO	$267,614	$0	$5,755	$0	$252	$0	$27,500	$0	$27,977	$0	$329,098	$0	$0	$0
LISA BROWN
SVP-ADMINISTRATION/CAO	$146,715	$0	$3,674	$0	$252	$0	$12,692	$0	$10,313	$0	$173,646	$0	$0	$0
BRENTT MOON
SVP-OPERATIONS & INFO SYSTEMS/CIO	$144,203	$0	$3,548	$0	$252	$0	$12,166	$0	$14,903	$0	$175,072	$0	$0	$0
EVAN BOUNOUS
SENIOR NETWORK ENGINEER	$127,567	$0	$3,813	$0	$252	$0	$14,327	$0	$22,709	$0	$168,668	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART I, LINE 3	THE PRESIDENT/CEO'S COMPENSATION IS SET BY THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS, APPROVED BY THE FULL BOARD AND IS PURSUANT TO A WRITTEN EMPLOYMENT CONTRACT.
PART I, LINE 4B	IN 2018, THE CREDIT UNION ENTERED INTO COLLATERAL ASSIGNMENT SPLIT DOLLAR LIFE INSURANCE ARRANGEMENTS WITH THE FOLLOWING OFFICERS: - GREG WINKLER, PRESIDENT/CEO - LISA BROWN, SVP-ADMINISTRATION/CAO - BRENTT MOON, SVP-OPERATIONS & INFORMATION SYSTEMS/CIO SEE SCHEDULE L FOR FURTHER DETAILS,INCLUDING THE RELATED LOANS OUTSTANDING AT DECEMBER 31, 2018.

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
GREG WINKLER
PRESIDENT/CEO	PURCHASE OF CASH VALUE LIFE INSURANCE - NONRECOURSE SPLIT DOLLAR LOAN	Yes (X)	$2,600,000	$2,600,000	0	Yes (1)	Yes (1)
LISA BROWN
SVP-ADMINISTRATION/CAO	PURCHASE OF CASH VALUE LIFE INSURANCE - NONRECOURSE SPLIT DOLLAR LOAN	Yes (X)	$800,000	$800,000	0	Yes (1)	Yes (1)
BRENTT MOON
SVP-OPERATIONS & INFORMATION SYSTEMS/CIO	PURCHASE OF CASH VALUE LIFE INSURANCE - NONRECOURSE SPLIT DOLLAR LOAN	Yes (X)	$650,000	$650,000	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$4,050,000	TotalBalanceDueAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	SCHEDULE L, PART II, LOANS TO AND FROM INTERESTED PERSONS:	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS THROUGH AN ARRANGEMENT THE IRS REFERS TO AS "COLLATERAL ASSIGNMENT SPLIT DOLLAR" (CASD). WHILE THE IRS REQUIRES REPORTING IN PART II, ABOVE, FOR LOANS TO INTERESTED PERSONS, CASD IS IS NOT AN ACTUAL LOAN. THERE IS NEITHER A TRANSFER OF FUNDS TO THE EXECUTIVE NOR AN OBLIGATION FOR THE EXECUTIVE TO PAY THOSE FUNDS BACK. INSTEAD, THE CREDIT UNION RECOVERS ITS OUTLAYS PLUS INTEREST FROM THE UNDERLYING INSURANCE POLICY.IN CASD, THE CREDIT UNION DEPOSITS DOLLARS DIRECTLY INTO A LIFE INSURANCE POLICY OWNED BY THE EXECUTIVE AND HOLDS A LIEN ON THE POLICY TO ENSURE REPAYMENT. AT SPECIFIED TIMES AND SUBJECT TO VESTING REQUIREMENTS, THE EXECUTIVE MAY BORROW FROM THE CASH VALUE OF THE POLICY TO SUPPLEMENT RETIREMENT INCOME (PROVIDED THERE ARE SUFFICIENT POLICY VALUES). BORROWING IS CAREFULLY MONITORED AND LIMITED TO ASSURE THE POLICY WILL REMAIN IN EFFECT UNTIL THE EXECUTIVE'S DEATH AND WILL PAY A DEATH BENEFIT AT LEAST SUFFICIENT TO REPAY THE CREDIT UNION'S OUTLAYS PLUS INTEREST.	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (7 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7A	THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7B	CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
FORM 990, PART VI, SECTION B, LINE 11B	THE VP-FINANCE & ACCOUNTING PROVIDES DETAILS NEEDED TO COMPLETE THE FORM 990 AND REVIEWS THE RETURN WITH THE PRESIDENT/CEO PRIOR TO BOARD APPROVAL.
FORM 990, PART VI, SECTION B, LINE 12C	AN INTERNAL AUDIT AND COMPLIANCE STAFF MEMBER MONITORS CONFLICTS OF INTEREST FOR AREAS OF CONCERN. IN ADDITION, THERE IS A 1-800 HOTLINE WHERE CONCERNS CAN BE REPORTED ANONYMOUSLY.
FORM 990, PART VI, SECTION B, LINE 15	THE PRESIDENT/CEO'S COMPENSATION IS SET BY THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS, APPROVED BY THE FULL BOARD AND IS PURSUANT TO A WRITTEN EMPLOYMENT CONTRACT. COMPENSATION FOR ALL OTHER EMPLOYEES IS BASED ON PERFORMANCE EVALUATIONS AND STANDING WITHIN THE APPLICABLE PAY SCALES. COMPEASE SOFTWARE IS USED IN THIS PROCESS. THIS PROVIDER PERFORMS ANNUAL MARKET RESEARCH TO ASSIST IN GRADING POSITIONS AND ENSURING COMPENSATION LEVELS ARE COMPETITIVE AND REASONABLE, WHILE ALSO HAVING INTERNAL EQUITY AS WELL AS OBJECTIVE AND CONSISTENT PAY PRACTICES.
FORM 990, PART VI, SECTION C, LINE 19	FINANCIAL STATEMENTS ARE PRESENTED AT THE ANNUAL MEETING AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES AND PROCEDURES ARE AVAILABLE UPON WRITTEN REQUEST.

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp

Disregarded Entity Name DisregardedEntityName

Field	Value	IRS element (for citing)
Business Name Line1	CROCO CUSO LLC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	610 SW 10TH AVENUE	AddressLine1Txt
City	TOPEKA	CityNm
State Abbreviation	KS	StateAbbreviationCd
ZIP	66612	ZIPCd

Field	Value	IRS element (for citing)
EIN	920192646	EIN
Primary Activities	CREDIT UNION SERVICE ORGANIZATION (DORMANT)	PrimaryActivitiesTxt
Legal Domicile State	KS	LegalDomicileStateCd
Total Income	$0	TotalIncomeAmt
End Of Year Assets	$1,005	EndOfYearAssetsAmt