ILLINOIS COMMUNITY CREDIT UNION: Form 990, tax year 2017

View the entire original 990 at ProPublica ↗

Organization: ILLINOIS COMMUNITY CREDIT UNION (EIN 36-1848945)
Tax period: 2017-01-01 to 2017-12-31
Filed: 2018-05-09
IRS object ID: 201801299349302205
Schema version: 2017v2.2
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	2018-05-09T12:18:03-05:00	ReturnTs
Tax Period End	2017-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	390758449	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

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

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 8010	AddressLine1Txt
City	WAUSAU	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	544028010	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2017-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	361848945	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	ILLI	BusinessNameControlTxt
Phone	8158954541	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	508 WEST STATE STREET	AddressLine1Txt
City	SYCAMORE	CityNm
State Abbreviation	IL	StateAbbreviationCd
ZIP	60178	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	THOR DOLAN	PersonNm
Person Title	CFO	PersonTitleTxt
Phone	8158954541	PhoneNum
Signature	2018-05-08	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	MARY A COATES CPA	PreparerPersonNm
PTIN	P00134220	PTIN
Phone	7158453111	PhoneNum
Preparation	2018-05-07	PreparationDt

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	50.50.56.238	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2018-05-08	IPDt
IP Tm	10:50:26	IPTm
IP Timezone	CD	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	DA39A3EE5E6B4B0D3255BFEF95601890AFD80709	AtSubmissionCreationDeviceId
At Submission Filing Device Id	591F57CCDB6768E443135B10ADA072E30A282E8B	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2017	TaxYr
Build TS	2021-01-29 14:40:06Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	BRIAN MANN	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	508 WEST STATE STREET	AddressLine1Txt
City	SYCAMORE	CityNm
State Abbreviation	IL	StateAbbreviationCd
ZIP	60178	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$6,151,890	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.MYICCU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1935	FormationYr
Legal Domicile State	IL	LegalDomicileStateCd
Activity Or Mission	ILLINOIS COMMUNITY CREDIT UNION IS A MEMBER OWNED FINANCIAL INSTITUTION, DEDICTATED TO PROVIDING QUALITY PRODUCTS AND SERVICES THAT MEET THE NEEDS OF OUR MEMBERS AND THE COMMUNITIES WE SERVE.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	52	TotalEmployeeCnt
Total Volunteers	10	TotalVolunteersCnt
Total Gross UBI	$0	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$5,653,282	PYProgramServiceRevenueAmt
CY Program Service Revenue	$4,299,825	CYProgramServiceRevenueAmt
PY Investment Income	$315,153	PYInvestmentIncomeAmt
CY Investment Income	$232,078	CYInvestmentIncomeAmt
PY Other Revenue	$275	PYOtherRevenueAmt
CY Other Revenue	$1,111	CYOtherRevenueAmt
PY Total Revenue	$5,968,710	PYTotalRevenueAmt
CY Total Revenue	$4,533,014	CYTotalRevenueAmt
PY Grants And Similar Paid	$1,011	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$1,885	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$2,104,302	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$2,046,446	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$2,352,355	PYOtherExpensesAmt
CY Other Expenses	$2,414,199	CYOtherExpensesAmt
PY Total Expenses	$4,457,668	PYTotalExpensesAmt
CY Total Expenses	$4,462,530	CYTotalExpensesAmt
PY Revenues Less Expenses	$1,511,042	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$70,484	CYRevenuesLessExpensesAmt
Total Assets BOY	$78,751,768	TotalAssetsBOYAmt
Total Assets EOY	$86,774,285	TotalAssetsEOYAmt
Total Liabilities BOY	$66,910,821	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$74,874,864	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$11,840,947	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$11,899,421	NetAssetsOrFundBalancesEOYAmt
Mission	ILLINOIS COMMUNITY CREDIT UNION IS A MEMBER OWNED FINANCIAL INSTITUTION, DEDICTATED TO PROVIDING QUALITY PRODUCTS AND SERVICES THAT MEET THE NEEDS OF OUR MEMBERS AND THE COMMUNITIES WE SERVE.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	PROVIDED SAVINGS AND CHECKING ACCOUNT SERVICES FOR 10,766 MEMBERS. THESE ACCOUNTS INCLUDE CHRISTMAS CLUB ACCOUNTS FOR MEMBERS TO AUTOMATICALLY SET ASIDE A FIXED AMOUNT EACH MONTH, TO BE TRANSFERRED INTO THEIR REGULAR SAVINGS ACCOUNT IN NOVEMBER OF EACH YEAR. WE ALSO PROVIDE CHECKING ACCOUNTS FOR PEOPLE THAT NORMALLY WOULDN'T QUALIFY FOR CHECKING ACCOUNTS DUE TO NEGATIVE EVENTS IN THEIR PAST BANKING HISTORY, ALONG WITH OTHER CHECKING ACCOUNTS BASED ON WHERE A MEMBER MAY BE IN THEIR FINANCIAL LIFE.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	ORIGINATED 1,577 LOANS TO MEMBERS, PROVIDING $29,056,610 IN CONSUMER AND RESIDENTIAL LOANS, CREDIT CARDS, FIRST MORTGAGES AND HOME EQUITY LOANS.	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	Yes (1)	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	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	1306	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	52	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	0	UnrelatedBusIncmOverLimitInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Quid Pro Quo Contributions	0	QuidProQuoContributionsInd
Form8282 Property Disposed Of	0	Form8282PropertyDisposedOfInd
Indoor Tanning Services	0	IndoorTanningServicesInd
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	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	0	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	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	BRIAN MANN	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	8156956405	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	501 WEST MAIN STREET	AddressLine1Txt
City	GENOA	CityNm
State Abbreviation	IL	StateAbbreviationCd
ZIP	60135	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (9 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd
ANTHONY CVEK
DIRECTOR	2.00	Yes (X)	$0	$0	$0
DANA CROWLEY
DIRECTOR	2.00	Yes (X)	$0	$0	$0
STEVE ELSIK
DIRECTOR	2.00	Yes (X)	$0	$0	$0
DAVID THURWANGER
CHAIR	2.00	Yes (X)	$0	$0	$0	Yes (X)
DOUGLAS LINDGREN
VICE-CHAIR	2.00	Yes (X)	$0	$0	$0	Yes (X)
ADAM FERGUSON
SECRETARY	2.00	Yes (X)	$0	$0	$0	Yes (X)
RICHARD OTT
TREASURER	2.00	Yes (X)	$0	$0	$0	Yes (X)
THOR DOLAN
CEO	40.00		$167,553	$0	$32,041	Yes (X)
BRIAN MANN
CFO	40.00		$88,076	$0	$20,758	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$255,629	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$52,799	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	1	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp

Contractor Name ContractorName

Business Name BusinessName

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

Contractor Address ContractorAddress

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	110 W MAIN STREET SUITE 200	AddressLine1Txt
City	FT WAYNE	CityNm
State Abbreviation	IN	StateAbbreviationCd
ZIP	46802	ZIPCd

Field	Value	IRS element (for citing)
Services	ARCHITECTURAL/CONSTRUCTION SERVICES	ServicesDesc
Compensation	$1,975,814	CompensationAmt

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	1	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
INTEREST ON LOANS	522100	$2,898,763	$2,898,763
FEE INCOME	522100	$1,198,425	$1,198,425
CUNA INCOME	522100	$121,037	$121,037
RECOVERY OF LOAN LOSS	522100	$81,600	$81,600

Field	Value	IRS element (for citing)
Total Program Service Revenue	$4,299,825	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$226,804	TotalRevenueColumnAmt
Exclusion	$226,804	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$1,624,150	SecuritiesAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$1,618,876	SecuritiesAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$5,274	SecuritiesAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$5,274	TotalRevenueColumnAmt
Exclusion	$5,274	ExclusionAmt

Miscellaneous Revenue MiscellaneousRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,111	TotalRevenueColumnAmt
Exclusion	$1,111	ExclusionAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$1,111	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$4,533,014	TotalRevenueColumnAmt
Related Or Exempt Func Income	$4,299,825	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$233,189	ExclusionAmt

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

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

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

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$308,428	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,477,351	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$31,675	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$73,521	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$155,471	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$28,092	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$112,465	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$460,527	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$103,296	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$246,079	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$64,841	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$472,850	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$38,923	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$5,334	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$22,681	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$125,459	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$38,819	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
MEMBER DIVIDENDS	$428,325
LOAN SERVICING COSTS	$169,272
CREDIT CARD EXPENSES	$62,817
DUES AND SUBSCRIPTIONS	$21,500

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$12,919	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$4,462,530	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$955,785	BOYAmt
EOY	$780,841	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$1,127,544	BOYAmt
EOY	$1,060,978	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$199,079	BOYAmt
EOY	$211,555	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$52,905,825	BOYAmt
EOY	$64,236,546	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$210,568	BOYAmt
EOY	$163,382	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$6,759,127	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$2,823,038	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$1,743,095	BOYAmt
EOY	$3,936,089	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$3,559,445	BOYAmt
EOY	$1,768,339	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$13,181,922	BOYAmt
EOY	$9,343,804	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$4,868,505	BOYAmt
EOY	$5,272,751	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$78,751,768	BOYAmt
EOY	$86,774,285	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$298,230	BOYAmt
EOY	$319,562	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$2,000,000	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$66,612,591	BOYAmt
EOY	$72,555,302	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$66,910,821	BOYAmt
EOY	$74,874,864	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	$11,840,947	BOYAmt
EOY	$11,899,421	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$11,840,947	BOYAmt
EOY	$11,899,421	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$78,751,768	BOYAmt
EOY	$86,774,285	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$70,484	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$12,010	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	0	FSAuditedInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$652,296	OtherCostOrOtherBasisAmt
Book Value	$652,296	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,402,389	OtherCostOrOtherBasisAmt
Depreciation	$806,097	DepreciationAmt
Book Value	$596,292	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,538,006	OtherCostOrOtherBasisAmt
Depreciation	$2,016,941	DepreciationAmt
Book Value	$521,065	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,166,436	OtherCostOrOtherBasisAmt
Book Value	$2,166,436	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$3,936,089	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (3 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
DEPOSIT IN COMMERCIAL BANKS	$8,983,299	C
LOANS TO AND INVESTMENTS IN NATURAL PERSON CREDIT UNIONS	$249,000	C
PAID IN CAPITAL AT CORP	$111,505	C

Field	Value	IRS element (for citing)
Total Book Value Securities	$9,343,804	TotalBookValueSecuritiesAmt

Other Assets Org OtherAssetsOrgGrp (4 entries)

DescDesc	Book ValueBookValueAmt
OTHER ASSETS	$454,087
NCUA SHARE INSURANCE CAPITALIZATION DEPOSITS	$689,790
NEW YORK LIFE INSURANCE	$4,093,874
FORECLOSED AND REPOSSESSED ASSETS	$35,000

Field	Value	IRS element (for citing)
Total Book Value Other Assets	$5,272,751	TotalBookValueOtherAssetsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER DEPOSITS	Desc
Amt	$72,555,302	Amt

Field	Value	IRS element (for citing)
Total Liability	$72,555,302	TotalLiabilityAmt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp

Field	Value	IRS element (for citing)
Person	THOR DOLAN	PersonNm
Title	CEO	TitleTxt
Base Compensation Filing Org	$161,553	BaseCompensationFilingOrgAmt
Compensation Based On Rltd Orgs	$0	CompensationBasedOnRltdOrgsAmt
Bonus Filing Organization	$0	BonusFilingOrganizationAmount
Bonus Related Organizations	$0	BonusRelatedOrganizationsAmt
Other Compensation Filing Org	$6,000	OtherCompensationFilingOrgAmt
Other Compensation Rltd Orgs	$0	OtherCompensationRltdOrgsAmt
Deferred Compensation Flng Org	$6,471	DeferredCompensationFlngOrgAmt
Deferred Comp Rltd Orgs	$0	DeferredCompRltdOrgsAmt
Nontaxable Benefits Filing Org	$25,570	NontaxableBenefitsFilingOrgAmt
Nontaxable Benefits Rltd Orgs	$0	NontaxableBenefitsRltdOrgsAmt
Total Compensation Filing Org	$199,594	TotalCompensationFilingOrgAmt
Total Compensation Rltd Orgs	$0	TotalCompensationRltdOrgsAmt
Comp Report Prior990 Filing Org	$0	CompReportPrior990FilingOrgAmt
Comp Report Prior990 Rltd Orgs	$0	CompReportPrior990RltdOrgsAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE CREDIT UNION'S MEMBERS HAVE RIGHTS TO ELECT THE MEMBERS OF THE GOVERNING BODY. THE CREDIT UNION'S MEMBERS ALSO RECEIVE A SHARE OF THE ORGANIZATION'S PROFITS IN THE FORM OF CASH DIVIDENDS.
FORM 990, PART VI, SECTION A, LINE 7A	MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, OR AS VACANCIES ARISE, OR OTHERWISE.
FORM 990, PART VI, SECTION A, LINE 7B	MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR.
FORM 990, PART VI, SECTION B, LINE 11B	THE CEO AND CFO REVIEW FORM 990 PRIOR TO FILING WITH IRS.
FORM 990, PART VI, SECTION B, LINE 12C	THE POLICY IS REVIEWED ANNUALLY AS PART OF THE PERIODIC REVIEW OF POLICIES. THE POLICY IS SILENT ON VOLUNTARY DISCLOSURE. IT INSTRUCTS DIRECTORS AND EMPLOYEES TO AVOID SITUATIONS THAT MAY GIVE RISE TO A CONFLICT. A CONFLICT AT THE BOARD LEVEL WOULD BE REPORTED TO EITHER THE SUPERVISORY COMMITTEE CHAIR OR THE CEO. THE SUPERVISORY COMMITTEE IS RESPONSIBLE FOR DETERMINING IF A CONFLICT OF INTEREST EXISTS.
FORM 990, PART VI, SECTION B, LINE 15	INDUSTRY DATA OF OUR PEER GROUP IS EVALUATED ALONG WITH CURRENT ECONOMIC CONDITIONS BY A COMMITTEE OF THREE DIRECTORS. AN OVERALL PERCENTAGE IS DERIVED AND OCCASIONALLY THE COMMITTEE WILL MAKE RECOMMENDATIONS FOR INDIVIDUAL KEY EMPLOYEES.
FORM 990, PART VI, SECTION C, LINE 19	THE GOVERNING DOCUMENTS, FINANCIAL STATEMENTS AND POLICIES OF THE CREDIT UNION ARE AVAILABLE UPON REQUEST FOR THE SAME PERIOD OF DISCLOSURE AS SET FORTH IN SECTION 6104(D). FINANCIAL INFORMATION IS POSTED IN LOBBIES AT ALL LOCATIONS EACH MONTH.
FORM 990, PART IX, LINE 11G	OTHER FEES 62,395. ATM SERVICING 68,061. DRAFT SERVICES 330,071.