CREDIT UNIONS IN THE STATE OF WASHINGTON: Form 990, tax year 2013

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS IN THE STATE OF WASHINGTON (EIN 91-0567788)
Tax period: 2013-01-01 to 2013-12-31
Filed: 2014-11-14
IRS object ID: 201423189349309262
Schema version: 2013v3.1
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule I
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2014-11-14T16:32:36-06:00	ReturnTs
Tax Period End	2013-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	261409826	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	BROWN & SENN ACCOUNTING LLC	BusinessNameLine1

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	823 MAIN ST 7	AddressLine1
City	SUMNER	City
State	WA	State
ZIP Code	98390	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2013-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	910567788	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	HORIZON CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Business Name Control	HORI	BusinessNameControlTxt
Phone	5099286494	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 15128	AddressLine1
City	SPOKANE VALLEY	City
State	WA	State
ZIP Code	99216	ZIPCode

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	MR JEFF ADAMS	PersonNm
Person Title	CEO	PersonTitleTxt
Phone	5099286494	PhoneNum
Signature	2014-11-12	SignatureDt
Discuss With Paid Preparer	Yes (true)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	ROGER JONES	PreparerPersonNm
PTIN	P01702335	PTIN
Phone	2538912940	PhoneNum
Preparation	2014-11-14	PreparationDt

Field	Value	IRS element (for citing)
Tax	2013	TaxYr
Build TS	2015-11-30 17:44:51Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	JEFF ADAMS	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 15128	AddressLine1
City	SPOKANE VALLEY	City
State	WA	State
ZIP Code	99216	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	$33,188,409	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.HZCU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1947	FormationYr
Legal Domicile State	WA	LegalDomicileStateCd
Activity Or Mission	CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	257	TotalEmployeeCnt
Total Volunteers	11	TotalVolunteersCnt
Total Gross UBI	$54,720	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$48,060	NetUnrelatedBusTxblIncmAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$26,803,629	PYProgramServiceRevenueAmt
CY Program Service Revenue	$29,188,565	CYProgramServiceRevenueAmt
PY Investment Income	$1,179,144	PYInvestmentIncomeAmt
CY Investment Income	$880,427	CYInvestmentIncomeAmt
PY Other Revenue	$1,600	PYOtherRevenueAmt
CY Other Revenue	$19,934	CYOtherRevenueAmt
PY Total Revenue	$27,984,373	PYTotalRevenueAmt
CY Total Revenue	$30,088,926	CYTotalRevenueAmt
PY Grants And Similar Paid	$23,444	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$27,114	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$11,470,279	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$13,111,131	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$13,492,674	PYOtherExpensesAmt
CY Other Expenses	$12,747,181	CYOtherExpensesAmt
PY Total Expenses	$24,986,397	PYTotalExpensesAmt
CY Total Expenses	$25,885,426	CYTotalExpensesAmt
PY Revenues Less Expenses	$2,997,976	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$4,203,500	CYRevenuesLessExpensesAmt
Total Assets BOY	$531,120,211	TotalAssetsBOYAmt
Total Assets EOY	$584,109,220	TotalAssetsEOYAmt
Total Liabilities BOY	$473,412,245	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$522,197,515	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$57,707,966	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$61,911,705	NetAssetsOrFundBalancesEOYAmt
Mission	CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	PROVIDED FINANCIAL SERVICES TO 51,482 MEMBERS. THE SERVICES WERE PROVIDED BY 257 EMPLOYEES LEAD BY 7 VOLUNTEER BOARD MEMBERS.	Desc
Described In Section501c3	false	DescribedInSection501c3Ind
Schedule B Required	false	ScheduleBRequiredInd
Political Campaign Acty	false	PoliticalCampaignActyInd
Subject To Proxy Tax	false	SubjectToProxyTaxInd
Donor Advised Fund	false	DonorAdvisedFundInd
Conservation Easements	false	ConservationEasementsInd
Collections Of Art	false	CollectionsOfArtInd
Credit Counseling	Yes (true)	CreditCounselingInd
Temp Or Permanent Endowments	false	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (true)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	Yes (true)	ReportInvestmentsOtherSecInd
Report Program Related Invst	false	ReportProgramRelatedInvstInd
Report Other Assets	false	ReportOtherAssetsInd
Report Other Liabilities	Yes (true)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (true)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (true)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	false	ConsolidatedAuditFinclStmtInd
School Operating	false	SchoolOperatingInd
Foreign Office	false	ForeignOfficeInd
Foreign Activities	false	ForeignActivitiesInd
More Than5000 K To Org	false	MoreThan5000KToOrgInd
More Than5000 K To Individuals	false	MoreThan5000KToIndividualsInd
Professional Fundraising	false	ProfessionalFundraisingInd
Fundraising Activities	false	FundraisingActivitiesInd
Gaming Activities	false	GamingActivitiesInd
Operate Hospital	false	OperateHospitalInd
Grants To Organizations	Yes (true)	GrantsToOrganizationsInd
Grants To Individuals	false	GrantsToIndividualsInd
Schedule J Required	Yes (true)	ScheduleJRequiredInd
Tax Exempt Bonds	false	TaxExemptBondsInd
Loan Outstanding	Yes (true)	LoanOutstandingInd
Grant To Related Person	false	GrantToRelatedPersonInd
Business Rln With Org Mem	false	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	false	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	false	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	false	DeductibleNonCashContriInd
Deductible Art Contribution	false	DeductibleArtContributionInd
Terminate Operations	false	TerminateOperationsInd
Partial Liquidation	false	PartialLiquidationInd
Disregarded Entity	false	DisregardedEntityInd
Related Entity	false	RelatedEntityInd
Related Organization Ctrl Ent	false	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
IRP Document	6845	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (true)	BackupWthldComplianceInd
Employee	257	EmployeeCnt
Employment Tax Returns Filed	Yes (true)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (true)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (true)	Form990TFiledInd
Foreign Financial Account	false	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTransInd
Taxable Party Notification	false	TaxablePartyNotificationInd
Nondeductible Contributions	false	NondeductibleContributionsInd
Indoor Tanning Services	false	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	false	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	false	DelegationOfMgmtDutiesInd
Change To Org Documents	false	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	false	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (true)	MembersOrStockholdersInd
Election Of Board Members	Yes (true)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (true)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (true)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (true)	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	Yes (true)	LocalChaptersInd
Policies Reference Chapters	Yes (true)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	false	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (true)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (true)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	false	RegularMonitoringEnfrcInd
Whistleblower Policy	false	WhistleblowerPolicyInd
Document Retention Policy	Yes (true)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (true)	CompensationProcessCEOInd
Compensation Process Other	Yes (true)	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	ID	StatesWhereCopyOfReturnIsFldCd
States Where Copy Of Return Is Fld	MT	StatesWhereCopyOfReturnIsFldCd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	HORIZON CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Phone	5099286494	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	13224 E MANSFIELD AVE SUITE 300	AddressLine1
City	SPOKANE VALLEY	City
State	WA	State
ZIP Code	99216	ZIPCode

Form990 Part VII Section A Form990PartVIISectionAGrp (14 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd
STEVE SHARON
BOARD CHAIR	1.00	Yes (X)	$0	$0	$0
BERNIE KORTH
2ND VICE CHA	1.00	Yes (X)	$0	$0	$0
MIKE BUTLER
DIRECTOR	1.00	Yes (X)	$0	$0	$0
TOM DILUZIO
DIRECTOR	1.00	Yes (X)	$0	$0	$0
NANCY RIPLEY
1ST VICE CHA	1.00	Yes (X)	$0	$0	$0
MARK LODINE
DIRECTOR	1.00	Yes (X)	$0	$0	$0
PAT FITZGERALD
SECRETARY/TR	1.00	Yes (X)	$0	$0	$0
JEFF ADAMS
CEO	40.00		$1,786,329	$0	$607,671	Yes (X)
MARK NEUMANN
VICE PRESIDE	40.00		$170,532	$0	$53,605	Yes (X)
DEBORAH PARELIUS
CFO	33.00		$144,225	$0	$11,608	Yes (X)
GREG ROBINSON
VICE PRESIDE	40.00		$139,512	$0	$11,120	Yes (X)
BRIAN GRYTDAL
VICE PRESIDE	40.00		$135,235	$0	$11,799	Yes (X)
STEVE WILDER
VICE PRESIDE	36.00		$125,385	$0	$10,357	Yes (X)
JODIE OLSON
VICE PRESIDE	40.00		$109,243	$0	$8,916	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,610,461	TotalReportableCompFromOrgAmt
Total Other Compensation	$715,076	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	7	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (true)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (3 entries)

Address Line1ContractorAddress/USAddress/AddressLine1	CityContractorAddress/USAddress/City	StateContractorAddress/USAddress/State	ZIP CodeContractorAddress/USAddress/ZIPCode	ServicesServicesDesc	CompensationCompensationAmt
BAKER CONSTRUCTION
2711 E SPRAGUE AVE	SPOKANE	WA	99202	CONSTRUCTION	$1,372,937
MARY E THOMPSON
PO BOX 11094	SPOKANE	WA	99211	ADVERTISING	$194,486
STANLEY PERDUE
41 CAMINO DE LOS ANGELITOS	GALISTEO	NM	87540	ATTORNEY	$130,966

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

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	BusinessBusinessCd	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON MEMBER LOANS	$21,407,710	$21,407,710
NONINTEREST INCOME	$7,726,135	$7,726,135
NON-MEMBER ATM FEE INCOME	$49,314		522100	$49,314
WARRANTY INCOME	$5,406		525990	$5,406

Field	Value	IRS element (for citing)
Total Program Service Revenue	$29,188,565	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,134,248	TotalRevenueColumnAmt
Related Or Exempt Func Income	$1,134,248	RelatedOrExemptFuncIncomeAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$19,934	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$19,934	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$19,934	TotalRevenueColumnAmt
Exclusion	$19,934	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$245,292	SecuritiesAmt
Other	$2,600,370	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$276,180	SecuritiesAmt
Other	$2,823,303	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	-$30,888	SecuritiesAmt
Other	-$222,933	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$253,821	TotalRevenueColumnAmt
Exclusion	-$253,821	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$30,088,926	TotalRevenueColumnAmt
Related Or Exempt Func Income	$30,268,093	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$54,720	UnrelatedBusinessRevenueAmt
Exclusion	-$233,887	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$27,114	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$3,420,099	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$6,376,789	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$1,443,381	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,155,743	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$715,119	TotalAmt

Fees For Services Management FeesForServicesManagementGrp

Field	Value	IRS element (for citing)
Total	$95,028	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$121,378	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$38,422	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$274,450	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$750,263	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$685,637	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$2,225,075	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,500,273	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$137,181	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$1,854,186	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,240,278	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$350,360	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
PROVISION FOR LOAN LOSS	$943,494
LOAN PROCESSING	$714,197
MISC EXPENSE	$385,934
NCUA STABILIZATION	$357,499

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,073,526	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$25,885,426	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$3,603,598	BOYAmt
EOY	$4,133,447	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$50,948,374	BOYAmt
EOY	$41,322,371	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$1,373,807	BOYAmt
EOY	$901,362	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
EOY	$92,350	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$389,149,086	BOYAmt
EOY	$458,177,322	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$1,603,439	BOYAmt
EOY	$934,029	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$32,053,025	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$12,219,079	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$19,699,458	BOYAmt
EOY	$19,833,946	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$52,823,430	BOYAmt
EOY	$42,586,026	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$14,856	BOYAmt
EOY	$14,169	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$1,350,978	BOYAmt
EOY	$1,797,000	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$10,553,185	BOYAmt
EOY	$14,317,198	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$531,120,211	BOYAmt
EOY	$584,109,220	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$8,277,959	BOYAmt
EOY	$6,786,688	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
EOY	$2,352	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$465,134,286	BOYAmt
EOY	$515,408,475	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$473,412,245	BOYAmt
EOY	$522,197,515	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow SFAS117	Yes (X)	OrgDoesNotFollowSFAS117Ind

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$57,707,966	BOYAmt
EOY	$61,911,705	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$57,707,966	BOYAmt
EOY	$61,911,705	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$531,120,211	BOYAmt
EOY	$584,109,220	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$4,203,500	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$99	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$140	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	Yes (true)	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 (true)	AuditCommitteeInd
Federal Grant Audit Required	Yes (true)	FederalGrantAuditRequiredInd
Federal Grant Audit Performed	Yes (true)	FederalGrantAuditPerformedInd

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	false	AgentTrusteeEtcInd
Incl Escrow Custodial Acct Liab	Yes (true)	InclEscrowCustodialAcctLiabInd
Explanation Provided	Yes (X)	ExplanationProvidedInd

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,710,014	OtherCostOrOtherBasisAmt
Book Value	$4,710,014	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$16,808,582	OtherCostOrOtherBasisAmt
Depreciation	$3,570,548	DepreciationAmt
Book Value	$13,238,034	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$996,133	OtherCostOrOtherBasisAmt
Depreciation	$741,616	DepreciationAmt
Book Value	$254,517	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$9,538,296	OtherCostOrOtherBasisAmt
Depreciation	$7,906,915	DepreciationAmt
Book Value	$1,631,381	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$19,833,946	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (7 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
CERTIFICATES OF DEPOSIT	$28,061,331	C
OTHER INVESTMENTS	$5,048,576	C
CMO SECURITIES	$4,005,323	C
MORTGAGE BACKED SECURITIES	$3,608,530	C
FEDERAL AGENCY SECURITIES	$1,003,366	C
STOCK IN FHLB	$858,900	C
STOCK IN CUSO		C

Field	Value	IRS element (for citing)
Total Book Value Securities	$42,586,026	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARES	Desc
Amt	$515,408,475	Amt

Field	Value	IRS element (for citing)
Total Liability	$515,408,475	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$30,342,747	TotalRevEtcAuditedFinclStmtAmt
Other Revenue	$253,821	OtherRevenueAmt
Revenue Not Reported	$253,821	RevenueNotReportedAmt
Revenue Subtotal	$30,088,926	RevenueSubtotalAmt
Total Revenue Per Form990	$30,088,926	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$26,139,247	TotExpnsEtcAuditedFinclStmtAmt
Other Expenses Included	$253,821	OtherExpensesIncludedAmt
Expenses Not Reported	$253,821	ExpensesNotReportedAmt
Expenses Subtotal	$25,885,426	ExpensesSubtotalAmt
Total Expenses Per Form990	$25,885,426	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (4 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
SCHEDULE D, PAGE 2, PART IV, LINE 2B	THE CREDIT UNION HOLDS ESCROW FUNDS IN CONNECTION WITH THE SERVICING OF RESIDENTIAL MORTGAGE LOANS. DURING 2013, THE CREDIT UNION TRANSFERED THE SERVICING RIGHTS TO UNRELATED THIRD PARTY.
SCHEDULE D, PAGE 3, PART X	THE CREDIT UNION FILES IRS FORMS 990 AND 990-T, AS APPLICABLE. THE CREDIT UNION MEASURES AND RECOGNIZES THE IMPLICATIONS OF POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN ITS TAX RETURNS ON AN ONGOING BASIS IN ACCORDANCE WITH INCOME TAX GUIDANCE. THE CREDIT UNION HAD NO UNRECOGNIZED TAX BENEFITS OR LIABILITIES AND NO ADJUSTMENTS TO ITS FINANCIAL POSITION, RESULTS OF OPERATIONS OR CASH FLOWS RELATED TO UNCERTAIN TAX POSITIONS TAKEN FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012. THE CREDIT UNION IS NO LONGER SUBJECT TO FEDERAL, STATE OR LOCAL INCOME TAX EXAMINATIONS BY TAX AUTHORITIES FOR THE YEARS PRIOR TO DECEMBER 31, 2010.
SCHEDULE D, PAGE 4, PART XI, LINE 2D	NET GAIN OR LOSS ON THE SALE OF ASSETS 253,821
SCHEDULE D, PAGE 4, PART XII, LINE 2D	NET GAIN OR LOSS ON THE SALE OF ASSETS 253,821

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	false	GrantRecordsMaintainedInd

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Written Policy Ref T And E Expnss	Yes (true)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (true)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	false	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (true)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	false	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (4 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt
JEFF ADAMS
CEO	$243,074	$1,537,255	$6,000	$607,671	$22,370	$2,394,000
MARK NEUMANN
VICE PRESIDENT	$155,158	$15,025	$349	$53,605	$6,919	$224,137
DEBORAH PARELIUS
CFO	$131,109	$12,830	$286	$11,608	$8,665	$155,833
GREG ROBINSON
VICE PRESIDENT	$126,807	$12,705		$11,120	$7,459	$150,632

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	SCHEDULE J, PAGE 1, PART I, LINE 4	FormAndLineReferenceDesc
Explanation	JEFF ADAMS 0 587,271 0 MARK NEUMANN 0 40,000 0	ExplanationTxt

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp

Field	Value	IRS element (for citing)
Person	MARK NEUMANN	PersonNm
Relationship With Org	VICE PRESIDENT	RelationshipWithOrgTxt
Loan Purpose	EXECUTIVE COMPENSATION	LoanPurposeTxt
Loan From Organization	Yes (X)	LoanFromOrganizationInd
Balance Due	$92,350	BalanceDueAmt
Default	false	DefaultInd
Board Or Committee Approval	Yes (true)	BoardOrCommitteeApprovalInd
Written Agreement	Yes (true)	WrittenAgreementInd

Field	Value	IRS element (for citing)
Total Balance Due	$92,350	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PAGE 6, PART VI, LINE 1A	ENTITY HAS MEMBERS WHO ELECT MEMBERS OF THE BOARD.
FORM 990, PAGE 6, PART VI, LINE 6	ENTITY HAS ONE CLASS OF MEMBERS.
FORM 990, PAGE 6, PART VI, LINE 7A	ENTITY HAS MEMBERS WHO ELECT MEMBERS OF THE BOARD.
FORM 990, PAGE 6, PART VI, LINE 7B	ENTITY HAS MEMBERS WHO HAVE RIGHTS TO RATIFY DECISIONS OF THE GOVERNING BODY.
FORM 990, PAGE 6, PART VI, LINE 11B	THE CFO REVIEWS THE 990 AND WILL MAKE A COMPLETE COPY OF IT AVAILABLE TO THE BOARD AT THE NOVEMBER 2014 BOARD MEETING.
FORM 990, PAGE 6, PART VI, LINE 15A	CEO SALARY RANGES ARE PREPARED BY HUMAN RESOURCES BASED ON INDUSTRY COMPARABILITY DATA AND REVIEW BY THE COMPENSATION COMMITTEE. THE COMPENSATION COMMITTEE IS COMPRISE OF VOLUNTEER BOARD MEMBERS. CEO PERFORMANCE IS ASSESSED AND SALARY TRENDS ARE REVIEWED BY COMPENSATION COMMITTEE TO DETERMINE APPROPRIATE SALARY. THE SALARY RECOMMENDATION IS THEN PRESENTED TO THE FULL BOARD OF DIRECTORS FOR FINAL REVIEW AND APPROVAL. SENIOR MANAGER'S SALARY RANGES ARE PREPARED BY HUMAN RESOURCES BASED ON INDUSTRY COMPARABILITY DATA AND REVIEWED BY THE CEO AND THE COMPENSATION COMMITTEE. PERFORMANCE IS ASSESSED AND SALARY TRENDS ARE REVIEWED BY CEO TO DETERMINE RELEVANT SALARIES. EVERY FEW YEARS COMPENSATION DATA AND PROCESS IS REVIEWED BY AN OUTSIDE CONSULTANT.
FORM 990, PAGE 6, PART VI, LINE 15B	SENIOR MANAGER'S SALARY RANGES ARE PREPARED BY HUMAN RESOURCES BASED ON INDUSTRY COMPARABILITY DATA AND REVIEWED BY THE CEO AND THE COMPENSATION COMMITTEE. PERFORMANCE IS ASSESSED AND SALARY TRENDS ARE REVIEWED BY CEO TO DETERMINE RELEVANT SALARIES. EVERY FEW YEARS COMPENSATION DATA AND PROCESS IS REVIEWED BY AN OUTSIDE CONSULTANT.
FORM 990, PAGE 6, PART VI, LINE 19	WE PUBLISH OUR MONTHLY FINANCIAL STATEMENTS AT EACH BRANCH, AND OUR QUARTERLY FINANCIAL STATEMENTS ARE PUBLISHED ON THE NCUA WEBSITE. OUR ANNUAL REPORT IS ON OUR WEBSITE.
FORM 990, PART XI, LINE 9	NET GAIN OR LOSS ON THE SALE OF ASSETS 253,821 NET GAIN OR LOSS ON THE SALE OF ASSETS -253,821