HERITAGE CREDIT UNION: Form 990, tax year 2015

View the entire original 990 at ProPublica ↗

Organization: HERITAGE CREDIT UNION (EIN 39-6048473)
Tax period: 2015-01-01 to 2015-12-31
Filed: 2016-11-14
IRS object ID: 201633199349306318
Schema version: 2015v2.1
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	2016-11-14T13:05:59-06:00	ReturnTs
Tax Period End	2015-12-31	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	2015-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	396048473	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	HERI	BusinessNameControlTxt
Phone	6082685090	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1212 Huxley St	AddressLine1Txt
City	Madison	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	53704	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	Anita Rauch	PersonNm
Person Title	Chief Executive Officer	PersonTitleTxt
Phone	6082685090	PhoneNum
Signature	2016-11-09	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	2016-11-09	PreparationDt

Field	Value	IRS element (for citing)
Tax	2015	TaxYr
Build TS	2017-02-10 21:41:12Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	Anita Rauch	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1212 Huxley St	AddressLine1Txt
City	Madison	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	53704	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$12,237,936	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	www.heritagecu.org	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1934	FormationYr
Legal Domicile State	WI	LegalDomicileStateCd
Activity Or Mission	Simplify banking, meet people's financial needs, save people time.	ActivityOrMissionDesc
Voting Members Governing Body	6	VotingMembersGoverningBodyCnt
Voting Members Independent	5	VotingMembersIndependentCnt
Total Employee	127	TotalEmployeeCnt
Total Volunteers	7	TotalVolunteersCnt
Total Gross UBI	$49,043	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$11,198,023	PYProgramServiceRevenueAmt
CY Program Service Revenue	$11,664,107	CYProgramServiceRevenueAmt
PY Investment Income	$649,037	PYInvestmentIncomeAmt
CY Investment Income	$548,090	CYInvestmentIncomeAmt
PY Other Revenue	$11,920	PYOtherRevenueAmt
CY Other Revenue	$24,986	CYOtherRevenueAmt
PY Total Revenue	$11,858,980	PYTotalRevenueAmt
CY Total Revenue	$12,237,183	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	$5,070,950	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$5,523,254	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$5,109,793	PYOtherExpensesAmt
CY Other Expenses	$5,163,986	CYOtherExpensesAmt
PY Total Expenses	$10,180,743	PYTotalExpensesAmt
CY Total Expenses	$10,687,240	CYTotalExpensesAmt
PY Revenues Less Expenses	$1,678,237	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$1,549,943	CYRevenuesLessExpensesAmt
Total Assets BOY	$271,911,717	TotalAssetsBOYAmt
Total Assets EOY	$294,337,439	TotalAssetsEOYAmt
Total Liabilities BOY	$237,824,976	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$258,315,136	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$34,086,741	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$36,022,303	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	Heritage Credit Union will be an independent, co-operative, premier financial institution with a recognized brand in the markets we serve. We will be the preferred place where families will come to meet their financial needs, for current and future generations.We will accomplish this by providing sound financial advice, services, and tools to our valued members whenever, wherever, and however they want them. It will be easy to transact business with us, allowing members to bank with Heritage as they move through life, no matter where they go. Our employees will be our primary differentiating factor. Heritage will constantly strive to attract and retain proactive people inspired by and passionate about our mission. We will have a cohesive culture that supports innovation and respect. As an organization, we will be committed to community development, and our employees will be woven into the fabric of the communities we serve.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	To promote thrift & provide low cost loans among members. This is accomplished on a co-operative non-profit basis for the benefit of the membership.	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	Yes (1)	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	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	7790	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	127	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
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	6	GoverningBodyVotingMembersCnt
Independent Voting Member	5	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	0	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	0	ConflictOfInterestPolicyInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	0	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	Alan Zimprich	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	6082378376	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1212 Huxley St	AddressLine1Txt
City	Madison	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	53704	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (11 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
Chad Lay
Board Member	1.00	Yes (X)	$0	$0	$0
Daniel Ott
Chairperson	1.00	Yes (X)	$0	$0	$0
jesse Sandoval
Vice-Chair	1.00	Yes (X)	$0	$0	$0
Joseph Schmitz
Vice-Chair (Thru August)	1.00	Yes (X)	$0	$0	$0	Yes (X)
Richard Bloomenkranz
Secretary	1.00	Yes (X)	$0	$0	$0	Yes (X)
Daun Maier
Treasurer	1.00	Yes (X)	$0	$0	$0	Yes (X)
Anita Rauch
Chief Executive Officer	40.00	Yes (X)	$285,965	$0	$34,719	Yes (X)
Alan Zimprich
Chief Financial Officer	40.00		$115,967	$0	$28,478	Yes (X)
Kay Paulson
Chief Risk Officer	40.00		$126,055	$0	$12,433		Yes (X)
Heather Ristow
Chief Operating Officer	40.00		$113,138	$0	$8,232		Yes (X)
Dave Macintire
Director of Information Technology	40.00		$106,042	$0	$10,646		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$747,167	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$94,508	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

Contractor Compensation ContractorCompensationGrp (3 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
Jack Henry & Associates Inc
PO Box 609	Monett	MO	65708	system software & Services	$165,587
OSG Statement Services
2471 S Commerce Dr	New Berlin	WI	53151	printing and delivery Services	$106,749
Wescom Resources Group
5601 E La Palma Ave	Anaheim	CA	92807	home banking services	$103,805

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	3	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
Interest on Loans	522100	$8,866,552	$8,866,552
Fee Income	522100	$2,421,884	$2,384,437	$37,447
Commission Income	522100	$305,314	$295,956	$9,358

Total Oth Program Service Rev TotalOthProgramServiceRevGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$70,357	TotalRevenueColumnAmt
Related Or Exempt Func Income	$70,357	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$11,664,107	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$548,843	TotalRevenueColumnAmt
Exclusion	$548,843	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$14,475	RealAmt

Less Rental Expenses LessRentalExpensesGrp

Field	Value	IRS element (for citing)
Real	$0	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$14,475	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$14,475	TotalRevenueColumnAmt
Exclusion	$14,475	ExclusionAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$753	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	-$753	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$753	TotalRevenueColumnAmt
Exclusion	-$753	ExclusionAmt

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	Data Processing Income	Desc
Business	900099	BusinessCd
Total Revenue Column	$8,047	TotalRevenueColumnAmt
Related Or Exempt Func Income	$8,047	RelatedOrExemptFuncIncomeAmt

Miscellaneous Revenue MiscellaneousRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$2,464	TotalRevenueColumnAmt
Unrelated Business Revenue	$2,238	UnrelatedBusinessRevenueAmt
Exclusion	$226	ExclusionAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$10,511	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$12,237,183	TotalRevenueColumnAmt
Related Or Exempt Func Income	$11,625,349	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$49,043	UnrelatedBusinessRevenueAmt
Exclusion	$562,791	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$465,129	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$4,041,435	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$118,091	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$520,899	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$377,700	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$798	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$35,776	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$54,507	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$391,585	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$592,686	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$426,121	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$610,460	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$37,169	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$21,949	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$25,212	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$723,135	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$79,678	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
Dividends On Member Sha	$891,010
Debit & Credit Card Exp	$517,408
Loan Servicing Expense	$387,805
Provision for Loan Loss	$66,619

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$302,068	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$10,687,240	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$5,404,328	BOYAmt
EOY	$4,879,243	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$2,212,542	BOYAmt
EOY	$12,276,978	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$531,984	BOYAmt
EOY	$564,042	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$200,392,894	BOYAmt
EOY	$218,658,930	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$433,447	BOYAmt
EOY	$624,929	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$19,196,709	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$8,529,429	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$10,674,070	BOYAmt
EOY	$10,667,280	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$4,000,000	BOYAmt
EOY	$6,926,000	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$40,616,222	BOYAmt
EOY	$32,013,366	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$1,028,375	BOYAmt
EOY	$930,825	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$6,617,855	BOYAmt
EOY	$6,795,846	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$271,911,717	BOYAmt
EOY	$294,337,439	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$1,681,733	BOYAmt
EOY	$6,079,769	EOYAmt

Deferred Revenue DeferredRevenueGrp

Field	Value	IRS element (for citing)
BOY	$5,963	BOYAmt
EOY	$3,203	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$10,615,608	BOYAmt
EOY	$8,000,000	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$225,521,672	BOYAmt
EOY	$244,232,164	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$237,824,976	BOYAmt
EOY	$258,315,136	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	$34,086,741	BOYAmt
EOY	$36,022,303	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$34,086,741	BOYAmt
EOY	$36,022,303	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$271,911,717	BOYAmt
EOY	$294,337,439	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$1,549,943	ReconcilationRevenueExpnssAmt
Other Changes In Net Assets	$385,619	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	$1,678,100	OtherCostOrOtherBasisAmt
Book Value	$1,678,100	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$12,106,932	OtherCostOrOtherBasisAmt
Depreciation	$4,391,464	DepreciationAmt
Book Value	$7,715,468	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$635,867	OtherCostOrOtherBasisAmt
Depreciation	$361,576	DepreciationAmt
Book Value	$274,291	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,341,379	OtherCostOrOtherBasisAmt
Depreciation	$2,423,589	DepreciationAmt
Book Value	$917,790	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,434,431	OtherCostOrOtherBasisAmt
Depreciation	$1,352,800	DepreciationAmt
Book Value	$81,631	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$10,667,280	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp

Field	Value	IRS element (for citing)
Desc	Certificates of Deposit	Desc
Book Value	$32,013,366	BookValueAmt
Method Valuation	C	MethodValuationCd

Field	Value	IRS element (for citing)
Total Book Value Securities	$32,013,366	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (3 entries)

DescDesc	AmtAmt
Share Drafts and Certificates	$243,553,585
Participation Loans	$500,140
457b Annuity Payable	$178,439

Field	Value	IRS element (for citing)
Total Liability	$244,232,164	TotalLiabilityAmt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Committee	Yes (X)	CompensationCommitteeInd
Compensation Survey	Yes (X)	CompensationSurveyInd
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	Anita Rauch	PersonNm
Title	Chief Executive Officer	TitleTxt
Base Compensation Filing Org	$231,757	BaseCompensationFilingOrgAmt
Compensation Based On Rltd Orgs	$0	CompensationBasedOnRltdOrgsAmt
Bonus Filing Organization	$50,000	BonusFilingOrganizationAmount
Bonus Related Organizations	$0	BonusRelatedOrganizationsAmt
Other Compensation Filing Org	$4,208	OtherCompensationFilingOrgAmt
Other Compensation Rltd Orgs	$0	OtherCompensationRltdOrgsAmt
Deferred Compensation Flng Org	$20,177	DeferredCompensationFlngOrgAmt
Deferred Comp Rltd Orgs	$0	DeferredCompRltdOrgsAmt
Nontaxable Benefits Filing Org	$14,542	NontaxableBenefitsFilingOrgAmt
Nontaxable Benefits Rltd Orgs	$0	NontaxableBenefitsRltdOrgsAmt
Total Compensation Filing Org	$320,684	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 (6 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Form 990, Part VI, Section A, line 6	Each credit union member is considered a shareholder.
Form 990, Part VI, Section A, line 7a	Members elect the board of directors at their annual meeting.
Form 990, Part VI, Section B, line 11	The officers of the credit union review the 990 prior to filing with the internal revenue service. Then the return is available for the board to review.
Form 990, Part VI, Section B, line 15a	The board of directors review the CEO's salary annually. The amount is determined by the compensation committee and reviewed and approved by the entire board of directors. Annually, the amount is determined based on the contract in place and performance. The CEO reviews president and VP compensation annually based on performance.
Form 990, Part VI, Section C, line 19	The organization makes its governing documents, conflict of interest policy and financial statements available upon written request.
Form 990, Part XI, line 9:	Changes in Other Comprehensive Income 385,619.