MISSOURI CENTRAL CREDIT UNION: Form 990, tax year 2014

View the entire original 990 at ProPublica ↗

Organization
MISSOURI CENTRAL CREDIT UNION (EIN 44-0357634)
Tax period
2014-01-01 to 2014-12-31
Filed
2015-08-14
IRS object ID
201542269349302394
Schema version
2014v5.0
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 ReturnHeader

FieldValueIRS element (for citing)
Return2015-08-14T13:54:10-05:00ReturnTs
Tax Period End2014-12-31TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

FieldValueIRS element (for citing)
Preparer Firm EIN431592217PreparerFirmEIN

Preparer Firm Name PreparerFirmName

FieldValueIRS element (for citing)
Business Name Line1J TENBRINK & ASSOCIATESBusinessNameLine1Txt

Preparer US Address PreparerUSAddress

FieldValueIRS element (for citing)
Address Line111272 S RIDGEVIEW RDAddressLine1Txt
CityOLATHECityNm
State AbbreviationKSStateAbbreviationCd
ZIP66061ZIPCd
FieldValueIRS element (for citing)
Return Type990ReturnTypeCd
Tax Period Begin2014-01-01TaxPeriodBeginDt

Filer Filer

FieldValueIRS element (for citing)
EIN440357634EIN

Business Name BusinessName

FieldValueIRS element (for citing)
Business Name Line1MISSOURI CENTRAL CREDIT UNIONBusinessNameLine1Txt
FieldValueIRS element (for citing)
Business Name ControlMISSBusinessNameControlTxt
Phone8162460002PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line1825 NE DEERBROOK PO BOX 6617AddressLine1Txt
CityLEES SUMMITCityNm
State AbbreviationMOStateAbbreviationCd
ZIP640646617ZIPCd

Business Officer BusinessOfficerGrp

FieldValueIRS element (for citing)
PersonGLENNA OSBORNPersonNm
Person TitlePRESIDENTPersonTitleTxt
Phone8162460002PhoneNum
Signature2015-08-14SignatureDt
Discuss With Paid PreparerYes (1)DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

FieldValueIRS element (for citing)
PTINP00638199PTIN
Phone9138946214PhoneNum
FieldValueIRS element (for citing)
Tax2014TaxYr
Build TS2016-04-25 22:37:26ZBuildTS

Form 990 IRS990

FieldValueIRS element (for citing)
Principal OfficerGLENNA OSBORNPrincipalOfficerNm

US Address USAddress

FieldValueIRS element (for citing)
Address Line1825 NE DEERBROOKAddressLine1Txt
CityLEES SUMMITCityNm
State AbbreviationMOStateAbbreviationCd
ZIP64086ZIPCd
FieldValueIRS element (for citing)
Gross Receipts$1,834,737GrossReceiptsAmt
Group Return For Affiliates0GroupReturnForAffiliatesInd
Organization501cYes (X)Organization501cInd
Website AddressWWW.MOCENTRAL.ORGWebsiteAddressTxt
Type Of Organization CorpYes (X)TypeOfOrganizationCorpInd
Formation1931FormationYr
Legal Domicile StateMOLegalDomicileStateCd
Activity Or MissionTO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.ActivityOrMissionDesc
Voting Members Governing Body7VotingMembersGoverningBodyCnt
Voting Members Independent7VotingMembersIndependentCnt
Total Employee26TotalEmployeeCnt
Total Volunteers12TotalVolunteersCnt
Total Gross UBI$6,395TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm-$13,171NetUnrelatedBusTxblIncmAmt
PY Contributions Grants$0PYContributionsGrantsAmt
CY Contributions Grants$0CYContributionsGrantsAmt
PY Program Service Revenue$1,627,571PYProgramServiceRevenueAmt
CY Program Service Revenue$1,599,208CYProgramServiceRevenueAmt
PY Investment Income$179,846PYInvestmentIncomeAmt
CY Investment Income$219,960CYInvestmentIncomeAmt
PY Other Revenue$15,295PYOtherRevenueAmt
CY Other Revenue$14,569CYOtherRevenueAmt
PY Total Revenue$1,822,712PYTotalRevenueAmt
CY Total Revenue$1,833,737CYTotalRevenueAmt
PY Grants And Similar Paid$0PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid$0CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members$0PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members$0CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid$779,721PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid$744,150CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns$0PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns$0CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense$0CYTotalFundraisingExpenseAmt
PY Other Expenses$957,278PYOtherExpensesAmt
CY Other Expenses$1,007,409CYOtherExpensesAmt
PY Total Expenses$1,736,999PYTotalExpensesAmt
CY Total Expenses$1,751,559CYTotalExpensesAmt
PY Revenues Less Expenses$85,713PYRevenuesLessExpensesAmt
CY Revenues Less Expenses$82,178CYRevenuesLessExpensesAmt
Total Assets BOY$42,177,419TotalAssetsBOYAmt
Total Assets EOY$43,750,317TotalAssetsEOYAmt
Total Liabilities BOY$36,792,616TotalLiabilitiesBOYAmt
Total Liabilities EOY$38,283,336TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY$5,384,803NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY$5,466,981NetAssetsOrFundBalancesEOYAmt
MissionTO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.MissionDesc
Significant New Program Srvc0SignificantNewProgramSrvcInd
Significant Change0SignificantChangeInd
DescPROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 8,510 MEMBERS.Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

FieldValueIRS element (for citing)
DescPROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2014, THERE WERE 2,324 LOANS OUTSTANDING TOTALING $19,454,821.Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

FieldValueIRS element (for citing)
DescPAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $67,073.Desc
FieldValueIRS element (for citing)
Described In Section501c30DescribedInSection501c3Ind
Schedule B Required0ScheduleBRequiredInd
Political Campaign Acty0PoliticalCampaignActyInd
Subject To Proxy Tax0SubjectToProxyTaxInd
Donor Advised Fund0DonorAdvisedFundInd
Conservation Easements0ConservationEasementsInd
Collections Of Art0CollectionsOfArtInd
Credit Counseling0CreditCounselingInd
Temp Or Permanent Endowments0TempOrPermanentEndowmentsInd
Report Land Building EquipmentYes (1)ReportLandBuildingEquipmentInd
Report Investments Other Sec0ReportInvestmentsOtherSecInd
Report Program Related Invst0ReportProgramRelatedInvstInd
Report Other Assets0ReportOtherAssetsInd
Report Other LiabilitiesYes (1)ReportOtherLiabilitiesInd
Include FIN48 Footnote0IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt0IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt0ConsolidatedAuditFinclStmtInd
School Operating0SchoolOperatingInd
Foreign Office0ForeignOfficeInd
Foreign Activities0ForeignActivitiesInd
More Than5000 K To Org0MoreThan5000KToOrgInd
More Than5000 K To Individuals0MoreThan5000KToIndividualsInd
Professional Fundraising0ProfessionalFundraisingInd
Fundraising Activities0FundraisingActivitiesInd
Gaming Activities0GamingActivitiesInd
Operate Hospital0OperateHospitalInd
Grants To Organizations0GrantsToOrganizationsInd
Grants To Individuals0GrantsToIndividualsInd
Schedule J Required0ScheduleJRequiredInd
Tax Exempt Bonds0TaxExemptBondsInd
Loan Outstanding0LoanOutstandingInd
Grant To Related Person0GrantToRelatedPersonInd
Business Rln With Org Mem0BusinessRlnWithOrgMemInd
Business Rln With Fam Mem0BusinessRlnWithFamMemInd
Business Rln With Officer Ent0BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri0DeductibleNonCashContriInd
Deductible Art Contribution0DeductibleArtContributionInd
Terminate Operations0TerminateOperationsInd
Partial Liquidation0PartialLiquidationInd
Disregarded Entity0DisregardedEntityInd
Related Entity0RelatedEntityInd
Related Organization Ctrl Ent0RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp0ActivitiesConductedPrtshpInd
Schedule O RequiredYes (1)ScheduleORequiredInd
IRP Document952IRPDocumentCnt
IRP Document W2 G0IRPDocumentW2GCnt
Backup Wthld ComplianceYes (1)BackupWthldComplianceInd
Employee26EmployeeCnt
Employment Tax Returns FiledYes (1)EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over LimitYes (1)UnrelatedBusIncmOverLimitInd
Form990 T FiledYes (1)Form990TFiledInd
Foreign Financial Account0ForeignFinancialAccountInd
Prohibited Tax Shelter Trans0ProhibitedTaxShelterTransInd
Taxable Party Notification0TaxablePartyNotificationInd
Nondeductible Contributions0NondeductibleContributionsInd
Indoor Tanning Services0IndoorTanningServicesInd
Info In Schedule O Part VIYes (X)InfoInScheduleOPartVIInd
Governing Body Voting Members7GoverningBodyVotingMembersCnt
Independent Voting Member7IndependentVotingMemberCnt
Family Or Business Rln0FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties0DelegationOfMgmtDutiesInd
Change To Org Documents0ChangeToOrgDocumentsInd
Material Diversion Or Misuse0MaterialDiversionOrMisuseInd
Members Or StockholdersYes (1)MembersOrStockholdersInd
Election Of Board MembersYes (1)ElectionOfBoardMembersInd
Decisions Subject To ApprovaYes (1)DecisionsSubjectToApprovaInd
Minutes Of Governing BodyYes (1)MinutesOfGoverningBodyInd
Minutes Of CommitteesYes (1)MinutesOfCommitteesInd
Officer Mailing Address0OfficerMailingAddressInd
Local Chapters0LocalChaptersInd
Form990 Provided To Gvrn Body0Form990ProvidedToGvrnBodyInd
Conflict Of Interest PolicyYes (1)ConflictOfInterestPolicyInd
Annual Disclosure Covered PrsnYes (1)AnnualDisclosureCoveredPrsnInd
Regular Monitoring EnfrcYes (1)RegularMonitoringEnfrcInd
Whistleblower PolicyYes (1)WhistleblowerPolicyInd
Document Retention PolicyYes (1)DocumentRetentionPolicyInd
Compensation Process CEOYes (1)CompensationProcessCEOInd
Compensation Process Other0CompensationProcessOtherInd
Investment In Joint Venture0InvestmentInJointVentureInd
Upon RequestYes (X)UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

FieldValueIRS element (for citing)
Business Name Line1GLENNA OSBORNBusinessNameLine1Txt
FieldValueIRS element (for citing)
Phone8162460002PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line1825 NE DEERBROOKAddressLine1Txt
CityLEES SUMMITCityNm
State AbbreviationMOStateAbbreviationCd
ZIP64086ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (10 entries)

TitleTitleTxtAverage Hours Per WeekAverageHoursPerWeekRtIndividual Trustee Or DirectorIndividualTrusteeOrDirectorIndReportable Comp From OrgReportableCompFromOrgAmtReportable Comp From Rltd OrgReportableCompFromRltdOrgAmtOther CompensationOtherCompensationAmtOfficerOfficerInd
JOHN TOM LOVELL JR
CHAIRPERSON1.00Yes (X)$0$0$0
DOUGLAS J HERMES
VICE CHAIRPERSON1.00Yes (X)$0$0$0
MICHAEL P HORTON
SECRETARY/TREASURER1.00Yes (X)$0$0$0
LEONARD E STONESTREET
BOARD MEMBER1.00Yes (X)$0$0$0
JOANNE L THIES
BOARD MEMBER1.00Yes (X)$0$0$0
JACQUELINE A FAIRBANKS
BOARD MEMBER1.00Yes (X)$0$0$0
MARK SCHAUFLER
BOARD MEMBER1.00Yes (X)$0$0$0
GLENNA OSBORN
PRESIDENT40.00$103,341$0$18,133Yes (X)
TOM LOFTUS
VICE PRESIDENT & COO40.00$74,438$0$13,991Yes (X)
WILLIAM TRENCHARD
VICE PRESIDENT & CFO40.00$62,526$0$17,560Yes (X)
FieldValueIRS element (for citing)
Total Reportable Comp From Org$240,305TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org$0TotReportableCompRltdOrgAmt
Total Other Compensation$49,684TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K1IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed0FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K0TotalCompGreaterThan150KInd
Compensation From Other Srcs0CompensationFromOtherSrcsInd
Cntrct Rcvd Greater Than100 K0CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDescBusinessBusinessCdTotal Revenue ColumnTotalRevenueColumnAmtRelated Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmtUnrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS522100$1,034,482$1,034,482
FEES & OTHER INCOME522100$558,331$558,331
INSURANCE SERVICES522100$3,145$3,145
NON-MEMBER ATM FEES522100$2,950$2,950
WARRANTY SALES522100$300$300
FieldValueIRS element (for citing)
Total Program Service Revenue$1,599,208TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

FieldValueIRS element (for citing)
Total Revenue Column$219,460TotalRevenueColumnAmt
Related Or Exempt Func Income$219,460RelatedOrExemptFuncIncomeAmt

Royalties Revenue RoyaltiesRevenueGrp

FieldValueIRS element (for citing)
Total Revenue Column$14,569TotalRevenueColumnAmt
Related Or Exempt Func Income$14,569RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

FieldValueIRS element (for citing)
Other$1,500OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

FieldValueIRS element (for citing)
Other$1,000OtherAmt

Gain Or Loss GainOrLossGrp

FieldValueIRS element (for citing)
Other$500OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

FieldValueIRS element (for citing)
Total Revenue Column$500TotalRevenueColumnAmt
Related Or Exempt Func Income$500RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

FieldValueIRS element (for citing)
Total Revenue Column$1,833,737TotalRevenueColumnAmt
Related Or Exempt Func Income$1,827,342RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue$6,395UnrelatedBusinessRevenueAmt
Exclusion$0ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

FieldValueIRS element (for citing)
Total$289,989TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

FieldValueIRS element (for citing)
Total$332,304TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

FieldValueIRS element (for citing)
Total$27,182TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

FieldValueIRS element (for citing)
Total$49,001TotalAmt

Payroll Taxes PayrollTaxesGrp

FieldValueIRS element (for citing)
Total$45,674TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

FieldValueIRS element (for citing)
Total$1,232TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

FieldValueIRS element (for citing)
Total$27,958TotalAmt

Fees For Services Other FeesForServicesOtherGrp

FieldValueIRS element (for citing)
Total$48,245TotalAmt

Advertising AdvertisingGrp

FieldValueIRS element (for citing)
Total$88,036TotalAmt

Office Expenses OfficeExpensesGrp

FieldValueIRS element (for citing)
Total$271,338TotalAmt

Information Technology InformationTechnologyGrp

FieldValueIRS element (for citing)
Total$108,113TotalAmt

Occupancy OccupancyGrp

FieldValueIRS element (for citing)
Total$71,821TotalAmt

Conferences Meetings ConferencesMeetingsGrp

FieldValueIRS element (for citing)
Total$3,776TotalAmt

Interest InterestGrp

FieldValueIRS element (for citing)
Total$28TotalAmt

Depreciation Depletion DepreciationDepletionGrp

FieldValueIRS element (for citing)
Total$68,941TotalAmt

Insurance InsuranceGrp

FieldValueIRS element (for citing)
Total$30,908TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDescTotalTotalAmt
LOAN SERVICING$96,993
PROVISION FOR LOAN LOSS$72,267
MEMBER DIVIDENDS$67,073
ASSOCIATION DUES$30,489

All Other Expenses AllOtherExpensesGrp

FieldValueIRS element (for citing)
Total$20,191TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

FieldValueIRS element (for citing)
Total$1,751,559TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

FieldValueIRS element (for citing)
BOY$421,155BOYAmt
EOY$345,199EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

FieldValueIRS element (for citing)
BOY$22,061,577BOYAmt
EOY$21,154,570EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

FieldValueIRS element (for citing)
BOY$18,187,012BOYAmt
EOY$19,366,396EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

FieldValueIRS element (for citing)
BOY$64,032BOYAmt
EOY$92,019EOYAmt
FieldValueIRS element (for citing)
Land Bldg Equip Cost Or Other Bss$2,154,073LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec$1,139,844LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

FieldValueIRS element (for citing)
BOY$976,879BOYAmt
EOY$1,014,229EOYAmt

Other Assets Total OtherAssetsTotalGrp

FieldValueIRS element (for citing)
BOY$466,764BOYAmt
EOY$1,777,904EOYAmt

Total Assets TotalAssetsGrp

FieldValueIRS element (for citing)
BOY$42,177,419BOYAmt
EOY$43,750,317EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

FieldValueIRS element (for citing)
BOY$132,143BOYAmt
EOY$254,897EOYAmt

Other Liabilities OtherLiabilitiesGrp

FieldValueIRS element (for citing)
BOY$36,660,473BOYAmt
EOY$38,028,439EOYAmt

Total Liabilities TotalLiabilitiesGrp

FieldValueIRS element (for citing)
BOY$36,792,616BOYAmt
EOY$38,283,336EOYAmt
FieldValueIRS element (for citing)
Org Does Not Follow SFAS117Yes (X)OrgDoesNotFollowSFAS117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

FieldValueIRS element (for citing)
BOY$0BOYAmt
EOY$0EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

FieldValueIRS element (for citing)
BOY$0BOYAmt
EOY$0EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

FieldValueIRS element (for citing)
BOY$5,384,803BOYAmt
EOY$5,466,981EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$5,384,803BOYAmt
EOY$5,466,981EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$42,177,419BOYAmt
EOY$43,750,317EOYAmt
FieldValueIRS element (for citing)
Reconcilation Revenue Expnss$82,178ReconcilationRevenueExpnssAmt
Other Changes In Net Assets$0OtherChangesInNetAssetsAmt
Method Of Accounting AccrualYes (X)MethodOfAccountingAccrualInd
Accountant Compile Or Review0AccountantCompileOrReviewInd
FS Audited0FSAuditedInd
Federal Grant Audit Required0FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$250,195OtherCostOrOtherBasisAmt
Book Value$250,195BookValueAmt

Buildings BuildingsGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$1,360,573OtherCostOrOtherBasisAmt
Depreciation$718,212DepreciationAmt
Book Value$642,361BookValueAmt

Equipment EquipmentGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$543,305OtherCostOrOtherBasisAmt
Depreciation$421,632DepreciationAmt
Book Value$121,673BookValueAmt
FieldValueIRS element (for citing)
Total Book Value Land Buildings$1,014,229TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

FieldValueIRS element (for citing)
DescMEMBER SHARE DEPOSITSDesc
Amt$38,028,439Amt
FieldValueIRS element (for citing)
Total Liability$38,028,439TotalLiabilityAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (7 entries)

Form And Line ReferenceFormAndLineReferenceDescExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7ATHE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7BSIGNIFICANT CHANGES SUCH AS CHANGES TO BYLAWS AND MERGERS 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 11THE CFO SUBMITS INFORMATION TO THE OUTSIDE ACCOUNTING FIRM PREPARING THE RETURN. THE RESPONSIBLITY FOR REVIEWING THE 990 IS DELEGATED TO THE PRESIDENT, WHO IN TURN, REVIEWS DETAILS WITH THE CFO BEFORE FILING.
FORM 990, PART VI, SECTION B, LINE 12CON AN ANNUAL BASIS, ALL OFFICERS, DIRECTORS, COMMITTEE MEMBERS, AND KEY EMPLOYEES ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
FORM 990, PART VI, SECTION B, LINE 15ATHE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT'S COMPENSATION USING VARIOUS INFORMATION, INCLUDING SALARY SURVEYS OF SIMILAR SIZE INSTITUTIONS. ALL OTHER COMPENSATION IS DETERMINED BY THE PRESIDENT AND PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS FOR APPROVAL. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
FORM 990, PART VI, SECTION C, LINE 19FINANCIAL STATEMENTS ARE POSTED MONTHLY IN THE LOBBY, 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 REQUEST.

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