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        <Depreciation>203651</Depreciation>
        <BookValue>40302</BookValue>
      </LeaseholdImprovements>
      <Equipment>
        <InvestmentCostOrOtherBasis>602541</InvestmentCostOrOtherBasis>
        <OtherCostOrOtherBasis>0</OtherCostOrOtherBasis>
        <Depreciation>564389</Depreciation>
        <BookValue>38152</BookValue>
      </Equipment>
      <OtherLandBuildings>
        <InvestmentCostOrOtherBasis>0</InvestmentCostOrOtherBasis>
        <OtherCostOrOtherBasis>0</OtherCostOrOtherBasis>
        <Depreciation>0</Depreciation>
        <BookValue>0</BookValue>
      </OtherLandBuildings>
      <TotalOfBookValueLandBuildings>357992</TotalOfBookValueLandBuildings>
    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="R000003" softwareId="12000197" softwareVersion="v1.00">
      <GeneralExplanation>
        <Identifier>F990_P03_S00_L02</Identifier>
        <ReturnReference>Form 990, Part III, Line 2</ReturnReference>
        <Explanation>Online Bill Pay</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P06_S0B_L11b</Identifier>
        <ReturnReference>Form 990, Part VI, Section B, Line 11b</ReturnReference>
        <Explanation>Form 990 is reviewed by the internal auditor, supervisory auditor and state examiner.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P06_S0B_L15</Identifier>
        <ReturnReference>Form 990, Part VI, Section B, Line 15</ReturnReference>
        <Explanation>A committee of the Board of Directors meet and compare similary situated credit unions compensation to make the decision to submit to the entire board for a vote. It was last done in November 2012.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P06_S0C_L19</Identifier>
        <ReturnReference>Form 990, Part VI, Section C, Line 19</ReturnReference>
        <Explanation>upon request</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>