AZURA CREDIT UNION: Form 990, tax year 2017

View the entire original 990 at ProPublica ↗

Organization: AZURA CREDIT UNION (EIN 48-0625190)
Tax period: 2017-01-01 to 2017-12-31
Filed: 2018-09-25
IRS object ID: 201802689349300810
Schema version: 2017v2.3
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
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2018-09-25T10:22:00-05:00	ReturnTs
Tax Period End	2017-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	431592217	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	2017-01-01	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	2018-09-25	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	2018-09-25	IPDt
IP Tm	10:21:42	IPTm
IP Timezone	CD	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	8C7C43951168CF45788263B15885B9037C681A73	AtSubmissionCreationDeviceId
At Submission Filing Device Id	DF81630E7C01E54DA6D3CC5C7C1702BCCB5963A3	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2017	TaxYr
Build TS	2018-06-14 16:35:46Z	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	$39,499,778	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	181	TotalEmployeeCnt
Total Volunteers	14	TotalVolunteersCnt
Total Gross UBI	$152,810	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$37,675	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$15,438,416	PYProgramServiceRevenueAmt
CY Program Service Revenue	$20,658,554	CYProgramServiceRevenueAmt
PY Investment Income	$2,685,672	PYInvestmentIncomeAmt
CY Investment Income	$2,662,133	CYInvestmentIncomeAmt
PY Other Revenue	$132,847	PYOtherRevenueAmt
CY Other Revenue	$24,066	CYOtherRevenueAmt
PY Total Revenue	$18,256,935	PYTotalRevenueAmt
CY Total Revenue	$23,344,753	CYTotalRevenueAmt
PY Grants And Similar Paid	$1,500	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$6,500	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$6,146,550	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$8,546,653	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$9,477,358	PYOtherExpensesAmt
CY Other Expenses	$11,988,115	CYOtherExpensesAmt
PY Total Expenses	$15,631,908	PYTotalExpensesAmt
CY Total Expenses	$20,534,768	CYTotalExpensesAmt
PY Revenues Less Expenses	$2,625,027	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$2,809,985	CYRevenuesLessExpensesAmt
Total Assets BOY	$473,326,741	TotalAssetsBOYAmt
Total Assets EOY	$477,439,542	TotalAssetsEOYAmt
Total Liabilities BOY	$425,478,253	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$426,450,429	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$47,848,488	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$50,989,113	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	AZURA IS ENHANCING LIVES BY DELIVERING INNOVATIVE FINANCIAL SERVICE, EDUCATION, AND VALUE THROUGH PERSONAL AND COMMUNITY ENGAGEMENT.	MissionDesc
Significant New Program Srvc	Yes (1)	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 48,459 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, 2017, THERE WERE 26,936 LOANS TO MEMBERS OUTSTANDING TOTALING $315,798,845.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $2,126,599 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	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	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	12707	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	181	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
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	Yes (1)	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	Yes (1)	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 (CURRENT)	40.00		$251,450	$0	$48,542	Yes (X)
RONALD BARON
SVP-FINANCE & ACCOUNTING/CFO	40.00		$139,163	$0	$23,642	Yes (X)
LISA BROWN
SVP-ADMINISTRATION/CAO	40.00		$141,391	$0	$24,090	Yes (X)
BRENTT MOON
SVP-OPERATIONS & INFORMATION SYSTEMS/CIO	40.00		$143,444	$0	$22,870	Yes (X)
VICKIE HURT
PRESIDENT/CEO (RETIRED)	40.00		$626,499	$0	$2,115	Yes (X)
JANICE DAVIS
VP - LENDING	40.00		$100,859	$0	$32,248		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,402,806	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$153,507	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	6	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	$13,293,315	$13,293,315
FEES & OTHER INCOME	522100	$7,216,176	$7,212,429	$3,747
NON-MEMBER ATM REVENUE	522100	$118,520		$118,520
WARRANTY SALES	522100	$29,123		$29,123
OTHER INSURANCE	522100	$1,420		$1,420

Field	Value	IRS element (for citing)
Total Program Service Revenue	$20,658,554	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$2,630,846	TotalRevenueColumnAmt
Related Or Exempt Func Income	$2,630,846	RelatedOrExemptFuncIncomeAmt

Royalties Revenue RoyaltiesRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$24,066	TotalRevenueColumnAmt
Related Or Exempt Func Income	$24,066	RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$16,184,612	SecuritiesAmt
Other	$1,700	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$16,147,598	SecuritiesAmt
Other	$7,427	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$37,014	SecuritiesAmt
Other	-$5,727	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$31,287	TotalRevenueColumnAmt
Related Or Exempt Func Income	$31,287	RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$23,344,753	TotalRevenueColumnAmt
Related Or Exempt Func Income	$23,191,943	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$152,810	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$878,160	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$6,162,944	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$303,797	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$709,015	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$492,737	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$7,872	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$176,213	TotalAmt

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$7,000	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$223,219	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$593,435	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$2,879,909	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$597,113	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$792,320	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$61,985	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$96,148	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$2,637	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,473,603	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$127,159	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
MEMBER DIVIDENDS	$2,126,599
PROVISION FOR LOAN LOSS	$1,442,866
LOAN SERVICING	$1,277,073
ASSOCIATION DUES	$64,013

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$38,951	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$20,534,768	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$3,332,686	BOYAmt
EOY	$4,142,970	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$28,821,128	BOYAmt
EOY	$18,729,527	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$148,337	BOYAmt
EOY	$191,689	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$268,264,866	BOYAmt
EOY	$316,777,657	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$1,458,559	BOYAmt
EOY	$608,283	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$16,243,775	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$6,501,416	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$9,111,787	BOYAmt
EOY	$9,742,359	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$152,742,924	BOYAmt
EOY	$118,086,484	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$9,446,454	BOYAmt
EOY	$9,160,573	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$473,326,741	BOYAmt
EOY	$477,439,542	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$5,289,879	BOYAmt
EOY	$7,514,475	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$420,188,374	BOYAmt
EOY	$418,935,954	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$425,478,253	BOYAmt
EOY	$426,450,429	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	$47,848,488	BOYAmt
EOY	$50,989,113	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$47,848,488	BOYAmt
EOY	$50,989,113	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$473,326,741	BOYAmt
EOY	$477,439,542	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$2,809,985	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$100,640	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$230,000	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	$9,214,541	OtherCostOrOtherBasisAmt
Depreciation	$2,564,076	DepreciationAmt
Book Value	$6,650,465	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$533,587	OtherCostOrOtherBasisAmt
Depreciation	$519,174	DepreciationAmt
Book Value	$14,413	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,341,768	OtherCostOrOtherBasisAmt
Depreciation	$3,418,166	DepreciationAmt
Book Value	$923,602	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$9,742,359	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (11 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
HTM-FED AGENCY SEC	$15,500,000	C
SERP PLAN INVST-LIFE INS	$5,951,189	C
AFS-MORTGAGE BACKED SEC	$73,419,029	F
AFS-FED AGENCY SEC	$1,980,000	F
HTM-MORTGAGE BACKED SEC	$17,699,403	C
HTM-MUNICIPAL BONDS	$1,006,027	C
FHLB CLASS A STOCK	$472,800	C
AFS-BANK NOTES	$1,979,350	F
MEMBERS MORT SVCS, LLC	$71,981	C
CROCO CUSO, LLC	$1,005	C
FHLB CLASS B STOCK	$5,700	C

Field	Value	IRS element (for citing)
Total Book Value Securities	$118,086,484	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARE DEPOSITS	Desc
Amt	$418,935,954	Amt

Field	Value	IRS element (for citing)
Total Liability	$418,935,954	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$23,344,753	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$23,344,753	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$23,344,753	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$20,534,768	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$20,534,768	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$20,534,768	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 FROM FEDERAL INCOME TAXES UNDER SECTION 501(C)(14) OF THE INTERNAL REVENUE CODE, EXCEPT FOR ANY UNRELATED BUSINESS INCOME TAX. THE CREDIT UNION ACCOUNTS FOR UNCERTAINTY IN INCOME TAXES IN ACCORDANCE WITH ASC 740-10-25, WHICH ADDRESSES THE DETERMINATION OF WHETHER TAX BENEFITS CLAIMED OR EXPECTED TO BE CLAIMED ON A TAX RETURN, SHOULD BE RECORDED IN THE FINANCIAL STATEMENTS. UNDER THIS GUIDANCE, THE CREDIT UNION MAY RECOGNIZE THE TAX BENEFITS FROM AN UNCERTAIN TAX POSITION ONLY IF IT IS MORE LIKELY-THAN-NOT THAT THE TAX POSITION WILL BE SUSTAINED ON EXAMINATION BY TAXING AUTHORITIES BASED ON THE TECHNICAL MERITS OF THE POSITION. THE TAX BENEFITS RECOGNIZED IN THE FINANCIAL STATEMENTS FROM SUCH A POSITION ARE MEASURED BASED ON THE LARGEST BENEFIT THAT HAS A GREATER THAN 50 PERCENT LIKELIHOOD OF BEING REALIZED UPON ULTIMATE SETTLEMENT. THE GUIDANCE ON ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES ALSO ADDRESSES DERECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES ON INCOME TAXES, AND ACCOUNTING INTERIM PERIODS. THIS STANDARD DID NOT HAVE AN IMPACT ON THE FINANCIAL STATEMENTS, AND THE CREDIT UNION DOES NOT HAVE ANY UNCERTAIN TAX POSITIONS. WITH FEW EXCEPTIONS, THE CREDIT UNION IS NO LONGER SUBJECT TO FEDERAL OR STATE AND LOCAL INCOME TAX EXAMINATIONS BY AUTHORITIES FOR YEARS BEFORE 2014.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Idemnification Gross Up Pmts	Yes (X)	IdemnificationGrossUpPmtsInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	0	SubstantiationRequiredInd
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 (5 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 (CURRENT)	$246,283	$0	$4,915	$0	$252	$0	$26,130	$0	$22,412	$0	$299,992	$0	$0	$0
RONALD BARON
SVP-FINANCE & ACCOUNTING/CFO	$138,661	$0	$250	$0	$252	$0	$5,960	$0	$17,682	$0	$162,805	$0	$0	$0
LISA BROWN
SVP-ADMINISTRATION/CAO	$138,354	$0	$2,785	$0	$252	$0	$14,077	$0	$10,013	$0	$165,481	$0	$0	$0
BRENTT MOON
SVP-OPERATIONS & INFORMATION SYSTEMS	$140,232	$0	$2,960	$0	$252	$0	$11,538	$0	$11,332	$0	$166,314	$0	$0	$0
VICKIE HURT
PRESIDENT/CEO (RETIRED)	$20,096	$0	$1,296	$0	$605,107	$0	$2,019	$0	$96	$0	$628,614	$0	$545,046	$0

Supplemental Information Detail SupplementalInformationDetail (3 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART I, LINE 1A	THE SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN FOR VICKIE HURT, PRESIDENT/CEO PROVIDES FOR ESTIMATED TAXES RELATED TO THE DISTRIBUTIONS. UPON HER RETIREMENT IN 2017, SHE BECAME FULLY VESTED IN THE PLAN AND THE TOTAL BENEFIT WAS GROSSED-UP TO INCLUDE ESTIMATED TAXES OF $182,950.
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	THE CREDIT UNION MAINTAINS SUPPLEMENTAL EXECUTIVE RETIREMENT PLANS TO PROVIDE CERTAIN RETIREMENT BENEFITS FOR TWO FORMER KEY EXECUTIVES. IN 2017, VICKIE HURT, PRESIDENT/CEO RETIRED AND BECAME FULLY VESTED AND THE TOTAL BENEFIT OF $375,000 AND RELATED ESTIMATED TAXES OF $182,950 WERE REPORTED AS WAGES ON HER 2017 FORM W-2. THE BENEFITS WILL BE PAID OUT OVER A TEN-YEAR PERIOD BEGINNING IN 2018.

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (10 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART III, LINE 2	IN 2017, THE CREDIT UNION CONVERTED THE 10TH AVENUE LOCATION FROM A BRANCH TO THE CORPORATE OFFICE. IN ADDITION, MEMBER SERVICES WERE EXPANDED TO INCLUDE A REWARDS CREDIT CARD PROGRAM.
FORM 990, PART VI, SECTION A, LINE 4	PURSUANT TO TERMS OF THE MERGER COMPLETED IN 2016, THE NUMBER OF BOARD MEMBERS WAS REDUCED TO 9 MEMBERS EFFECTIVE AT THE ANNUAL MEETING IN APRIL 2017.
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 ACCOUNTING DEPARTMENT PREPARES INFORMATION FOR THE FORM 990 AND THE CFO REVIEWS THAT INFORMATION PRIOR TO SUBMITTING IT TO THE OUTSIDE ACCOUNTING FIRM PREPARING THE RETURN. UPON COMPLETION, THE CFO, CEO, OR DESIGNEE REVIEWS THE RETURNS PRIOR TO FINAL 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.
FORM 990, PART XI, LINE 9:	ADJUSTMENT TO EQUITY ACQUIRED IN PRIOR MERGER 230,000.

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	PrimaryActivitiesTxt
Legal Domicile State	KS	LegalDomicileStateCd
Total Income	$0	TotalIncomeAmt
End Of Year Assets	$1,005	EndOfYearAssetsAmt