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        <Desc>MEMBER DEPOSITS</Desc>
        <Amt>67860857</Amt>
      </OtherLiabilitiesOrgGrp>
      <TotalLiabilityAmt>67860857</TotalLiabilityAmt>
    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="RetDoc2">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990 PART III LINE 4D - ALL OTHER ACCOMPLISHMENT</FormAndLineReferenceDesc>
        <ExplanationTxt>NA</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990 PART V LINE 3B - FORM 990-T NOT FILED EXPLANATION</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CREDIT UNION PROVIDES FINANCIAL SERVICES TO ITS MEMBERS. ALL INCOME AND EXPENSES ARE DEEMED RELATED TO THE OVERALL OBJECTIVE OF MEMBER SERVICES.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990 PART VI LINE 7A - ELECTION OF MEMBERS AND THEIR RIGHTS</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CREDIT UNION MEMBERS ELECT ON AN ANNUAL BASIS THE MEMBERS OF THE BOARD OF DIRECTORS</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990 PART VI LINE 7B - DECISIONS SUBJECT TO APPROVAL OF MEMBERS</FormAndLineReferenceDesc>
        <ExplanationTxt>ANY PROPOSED MERGERS MUST BE APPROVED BY A MAJORITY OF THE MEMBERSHIP.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990 PART VI LINE 11B - ORGANIZATION'S PROCESS TO REVIEW FORM 990</FormAndLineReferenceDesc>
        <ExplanationTxt>NO REVIEW WAS OR WILL BE CONDUCTED.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990 PART VI LINE 12C - ENFORCEMENT OF CONFLICTS POLICY</FormAndLineReferenceDesc>
        <ExplanationTxt>THE SECURITY MATRIX OF THE DATA PROCESSING SYSTEM PROHIBITS EMPLOYEES AND DIRECTORS FROM INITIATING TRANSACTIONS ON ALL ACCOUNTS LISTED ON THEIR CONFLICT OF INTEREST DISCLOSURE STATEMENT WHICH IS UPDATED ANNUALLY.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990 PART VI LINE 15A - COMPENSATION PROCESS FOR TOP OFFICIAL</FormAndLineReferenceDesc>
        <ExplanationTxt>THE PRESIDENT'S SALARY IS REVIEWED ANNUALLY BY THE BOARD OF DIRECTORS. THE BOARD IS PROVIDED A SALARY SURVEY FROM A THIRD PARTY TO BASE THEIR DECISION. THE SALARY LEVEL IS APPROVED BY THE BOARD. THE LAST EVALUATION WAS CONDUCTED IN MAY 2013.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990 PART VI LINE 19 - GOVERNING DOCUMENTS DISCLOSURE EXPLANATION</FormAndLineReferenceDesc>
        <ExplanationTxt>THE MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION'S LOBBIES AND ARE UPDATED ON A MONTHLY BASIS. THE GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE NOT MADE AVAILABLE TO THE GENERAL PUBLIC.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>