UNITED CREDIT UNION: Form 990, tax year 2012

View the entire original 990 at ProPublica ↗

Organization: UNITED CREDIT UNION (EIN 75-0751106)
Tax period: 2012-01-01 to 2012-12-31
Filed: 2013-03-20
IRS object ID: 201320799349300527
Schema version: 2012v2.0
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
Form 990
Schedule D
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2013-03-20T16:16:03-07:00	Timestamp
Tax Period End Date	2012-12-31	TaxPeriodEndDate

Preparer Firm PreparerFirm

Preparer Firm Business Name PreparerFirmBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	Henry & Peters PC	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	3310 So Broadway Suite 100	AddressLine1
City	Tyler	City
State	TX	State
ZIP Code	75701	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnType
Tax Period Begin Date	2012-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	750751106	EIN

Name Name

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

Field	Value	IRS element (for citing)
Name Control	UNIT	NameControl
Phone	9035953604	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4901 OLD JACKSONVILLE HWY	AddressLine1
City	TYLER	City
State	TX	State
ZIP Code	75703	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	SHERRI MCELYEA	Name
Title	President	Title
Date Signed	2013-03-20	DateSigned
Authorize Third Party	true	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	Ginny Ragland	Name
PTIN	P00160325	PTIN
Phone	9035976311	Phone

Field	Value	IRS element (for citing)
Tax Year	2012	TaxYear
Build TS	2016-02-25 16:41:14Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Name Of Principal Officer Person	SHERRI MCELYEA	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	4901 OLD JACKSONVILLE HWY	AddressLine1
City	TYLER	City
State	TX	State
ZIP Code	75703	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	997294	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
All Affiliates Included	false	AllAffiliatesIncluded
Organization501c	X	Organization501c
Web Site	www.unitedcu.coop	WebSite
Type Of Organization Corporation	X	TypeOfOrganizationCorporation
Year Formation	1932	YearFormation
State Legal Domicile	TX	StateLegalDomicile
Activity Or Mission Description	COOPERATIVE, MEMBERSHIP OWNED, NON-PROFIT PROVIDER OF FULL FINANCIAL SERVICES TO MEMBERS.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	7	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	7	NbrIndependentVotingMembers
Total Nbr Employees	9	TotalNbrEmployees
Total Gross UBI	11214	TotalGrossUBI
Net Unrelated Business Txbl Income	-338	NetUnrelatedBusinessTxblIncome
Contributions Grants Prior Year	1500	ContributionsGrantsPriorYear
Contributions Grants Current Year	1500	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	1063549	ProgramServiceRevenuePriorYear
Program Service Revenue CY	944764	ProgramServiceRevenueCY
Investment Income Prior Year	56488	InvestmentIncomePriorYear
Investment Income Current Year	51027	InvestmentIncomeCurrentYear
Other Revenue Current Year	0	OtherRevenueCurrentYear
Total Revenue Prior Year	1121537	TotalRevenuePriorYear
Total Revenue Current Year	997291	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members Prior Year	184290	BenefitsPaidToMembersPriorYear
Benefits Paid To Members CY	127641	BenefitsPaidToMembersCY
Salaries Etc Prior Year	301251	SalariesEtcPriorYear
Salaries Etc Current Year	324984	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	604855	OtherExpensePriorYear
Other Expenses Current Year	600642	OtherExpensesCurrentYear
Total Expenses Prior Year	1090396	TotalExpensesPriorYear
Total Expenses Current Year	1053267	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	31141	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	-55976	RevenuesLessExpensesCY
Total Assets BOY	23183537	TotalAssetsBOY
Total Assets EOY	22330310	TotalAssetsEOY
Total Liabilities BOY	21042335	TotalLiabilitiesBOY
Total Liabilities EOY	20245084	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	2141202	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	2085226	NetAssetsOrFundBalancesEOY
Mission Description	COOPERATIVE, MEMBERSHIP OWNED, NON-PROFIT PROVIDER OF FULL FINANCIAL SERVICES TO MEMBERS.	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Description	SHARE SAVINGS ACCOUNTS: SHARE SAVINGS ACCOUNTS ARE OFFERED THAT PAY MONTHLY DIVIDENDS. SPECIAL SHARE SAVINGS ACCOUNTS ARE OFFERED FOR CHRISTMAS, TAXES, VACATION, OR OTHER SAVINGS NEEDS. MEMBERS HAVE ACCESS TO HOME BANKING AT NO ADDITIONAL CHARGE. ON-SITE ATMS ARE AVAILABLE TO MEMBERS ALSO AT NO ADDITIONAL CHARGE.	Description

Activity2 Activity2

Field	Value	IRS element (for citing)
Description	CHECKING ACCOUNTS: CHECKING ACCOUNTS ARE OFFERED WITH VARYING FEATURES FROM FREE ACCESS TO HOME BANKING AND DEBIT CARDS TO ONLINE BILL PAY FOR $4.95 PER MONTH. SENIORS ARE OFFERED SPECIAL CHECKING ACCOUNTS WITH 1 FREE BOX OF CHECKS PER YEAR, FREE PRINTOUTS, AND FREE FAX SERVICE.	Description

Activity3 Activity3

Field	Value	IRS element (for citing)
Description	LOANS: CONSUMER LOANS OF ALL TYPES INCLUDING VEHICLE LOANS, UNSECURED LOANS, AND CREDIT CARDS. RESIDENTIAL LOANS ARE AVAILABLE. RELATED SERVICES SUCH AS CREDIT LIFE AND DISABILITY INSURANCE ARE ALSO OFFERED.	Description

Field	Value	IRS element (for citing)
Described In501 C3	false	DescribedIn501C3
Schedule B Required	false	ScheduleBRequired
Political Activities	false	PoliticalActivities
Lobbying Activities	false	LobbyingActivities
Subject To Proxy Tax	false	SubjectToProxyTax
Donor Advised Funds	false	DonorAdvisedFunds
Conservation Easements	false	ConservationEasements
Collections Of Art	false	CollectionsOfArt
Credit Counseling	false	CreditCounseling
Term Or Permanent Endowments	false	TermOrPermanentEndowments
Report Land Bldg Equip	true	ReportLandBldgEquip
Report Invest Oth Securities	false	ReportInvestOthSecurities
Report Prog Rel Invest	false	ReportProgRelInvest
Report Other Assets	false	ReportOtherAssets
Report Other Liabilities	true	ReportOtherLiabilities
Report Fin48 Footnote	false	ReportFin48Footnote
Independent Audit Financial Stmt	false	IndependentAuditFinancialStmt
Consolidated Audit Financial Stmt	false	ConsolidatedAuditFinancialStmt
School	false	School
Foreign Office	false	ForeignOffice
Foreign Activities	false	ForeignActivities
More Than5000 K To Organizations	false	MoreThan5000KToOrganizations
More Than5000 K To Individuals	false	MoreThan5000KToIndividuals
Professional Fundraising	false	ProfessionalFundraising
Fundraising Activities	false	FundraisingActivities
Gaming	false	Gaming
Hospital	false	Hospital
Grants To Organizations	false	GrantsToOrganizations
Grants To Individuals	false	GrantsToIndividuals
Schedule J Required	false	ScheduleJRequired
Tax Exempt Bonds	false	TaxExemptBonds
Invest Tax Exempt Bonds	false	InvestTaxExemptBonds
Escrow Account	false	EscrowAccount
On Behalf Of Issuer	false	OnBehalfOfIssuer
Excess Benefit Transaction	false	ExcessBenefitTransaction
Prior Excess Benefit Transaction	false	PriorExcessBenefitTransaction
Loan To Officer Or DQP	false	LoanToOfficerOrDQP
Grant To Related Person	false	GrantToRelatedPerson
Bsnss Rltnshp With Organization	false	BsnssRltnshpWithOrganization
Bsnss Rltnshp Thru Family Member	false	BsnssRltnshpThruFamilyMember
Officer Entity With Bsnss Rltnshp	false	OfficerEntityWithBsnssRltnshp
Deductible Non Cash Contributions	false	DeductibleNonCashContributions
Deductible Contributions Of Art	false	DeductibleContributionsOfArt
Terminated	false	Terminated
Partial Liquidation	false	PartialLiquidation
Disregarded Entity	false	DisregardedEntity
Related Entity	false	RelatedEntity
Related Org Controlled Entity	false	RelatedOrgControlledEntity
Transaction Related Entity	false	TransactionRelatedEntity
Transfers To Exempt Non Chrtbl Org	false	TransfersToExemptNonChrtblOrg
Activities Conducted Partnership	false	ActivitiesConductedPartnership
Schedule O Required	false	ScheduleORequired
Number Forms Transmitted With1096	2	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	true	ComplianceWithBackupWitholding
Number Of Employees	9	NumberOfEmployees
Employment Tax Returns Filed	true	EmploymentTaxReturnsFiled
Unrelated Business Income	true	UnrelatedBusinessIncome
Foreign Financial Account	false	ForeignFinancialAccount
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTrans
Taxable Party Notification	false	TaxablePartyNotification
Non Deductible Contributions	false	NonDeductibleContributions
Excess Business Holdings	false	ExcessBusinessHoldings
Taxable Distributions	false	TaxableDistributions
Distribution To Donor	false	DistributionToDonor
Filed Lieu1041	false	FiledLieu1041
Licensed More Than One State	false	LicensedMoreThanOneState
Indoor Tanning Services	false	IndoorTanningServices
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	7	NbrVotingGoverningBodyMembers
Number Independent Voting Members	7	NumberIndependentVotingMembers
Family Or Business Relationship	false	FamilyOrBusinessRelationship
Delegation Of Management Duties	false	DelegationOfManagementDuties
Changes To Organizing Docs	false	ChangesToOrganizingDocs
Material Diversion Or Misuse	false	MaterialDiversionOrMisuse
Members Or Stockholders	true	MembersOrStockholders
Election Of Board Members	true	ElectionOfBoardMembers
Decisions Subject To Approval	true	DecisionsSubjectToApproval
Minutes Of Governing Body	true	MinutesOfGoverningBody
Minutes Of Committees	true	MinutesOfCommittees
Officer Mailing Address	false	OfficerMailingAddress
Local Chapters	false	LocalChapters
Form990 Provided To Governing Body	false	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	true	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	true	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	true	RegularMonitoringEnforcement
Whistleblower Policy	false	WhistleblowerPolicy
Document Retention Policy	true	DocumentRetentionPolicy
Compensation Process CEO	false	CompensationProcessCEO
Compensation Process Other	false	CompensationProcessOther
Investment In Joint Venture	false	InvestmentInJointVenture
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Field	Value	IRS element (for citing)
Name Person	SHERRI MCELYEA	NamePerson
Telephone Number	9035953604	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	4901 OLD JACKSONVILLE HWY	AddressLine1
City	TYLER	City
State	TX	State
ZIP Code	75703	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (9 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Average Hours Per Week RelatedAverageHoursPerWeekRelated	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer
GENE MERRIMAN
CREDIT COMM CHR	1.00	0.00	X	0	0	0
CLIFTON GEE
BOARD MEMBER	1.00	0.00	X	0	0	0
TONY LOCKRIDGE
BOARD MEMBER	1.00	0.00	X	0	0	0
STEVE MASON
BOARD MEMBER	1.00	0.00	X	0	0	0
TAMI CHAPMAN
SEC/TREASURER	1.00	0.00	X	0	0	0
NANCY PARKER
VICE CHAIRMAN	1.00	0.00	X	0	0	0
GEORGE CREEL
Chairman	1.00	0.00	X	0	0	0
SHERRI MCELYEA
President	40.00	0.00		49025	0	7422	X
JOAN SMITH
Vice President	40.00	0.00		43889	0	7422	X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	92914	TotalReportableCompFromOrg
Total Other Compensation	14844	TotalOtherCompensation
Number Individuals GT100 K	0	NumberIndividualsGT100K
Formers Listed	false	FormersListed
Total Comp GT150 K	false	TotalCompGT150K
Compensation From Other Sources	false	CompensationFromOtherSources

Contractor Compensation ContractorCompensation

Name Of Contractor NameOfContractor

Name Business NameBusiness

Field	Value	IRS element (for citing)
Business Name Line1	FISERV	BusinessNameLine1

Address Of Contractor AddressOfContractor

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	2601 NETWORK BLVD SUITE 600	AddressLine1
City	FRISCO	City
State	TX	State
ZIP Code	75034	ZIPCode

Field	Value	IRS element (for citing)
Description Of Services	DATA PROCESSOR	DescriptionOfServices
Compensation	148864	Compensation

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	1	NumberOfContractorsGT100K
All Other Contributions	1500	AllOtherContributions
Total Contributions	1500	TotalContributions

Program Service Revenue ProgramServiceRevenue (5 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Unrelated Business RevenueUnrelatedBusinessRevenue	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome
NON-MEMBER ATM FEES	524298	356	356
MISC INCOME		4460		4460
INTEREST ON LOANS		799762		799762
FEES-INSURANCE PRODUCTS	522100	10858	10858
FEE INCOME		129328		129328

Field	Value	IRS element (for citing)
Total Program Service Revenue	944764	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	51030	TotalRevenueColumn
Exclusion	$51,030	ExclusionAmount

Income From Invest Bond Proceeds IncomeFromInvestBondProceeds

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Royalties Revenue RoyaltiesRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Rental Income Or Loss NetRentalIncomeOrLoss

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Other	3	Other

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Other	-3	Other

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	-3	TotalRevenueColumn
Related Or Exempt Function Income	-3	RelatedOrExemptFunctionIncome

Net Income From Fundraising Events NetIncomeFromFundraisingEvents

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Income From Gaming NetIncomeFromGaming

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Income Or Loss NetIncomeOrLoss

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Field	Value	IRS element (for citing)
Total Other Revenue	0	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	997291	TotalRevenueColumn
Related Or Exempt Function Income	933547	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	11214	UnrelatedBusinessRevenue
Exclusion	$51,030	ExclusionAmount

Grants To Domestic Orgs GrantsToDomesticOrgs

Field	Value	IRS element (for citing)
Total	0	Total

Grants To Domestic Individuals GrantsToDomesticIndividuals

Field	Value	IRS element (for citing)
Total	0	Total

Foreign Grants ForeignGrants

Field	Value	IRS element (for citing)
Total	0	Total

Benefits To Members BenefitsToMembers

Field	Value	IRS element (for citing)
Total	127641	Total

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	107758	Total

Comp Disqual Persons CompDisqualPersons

Field	Value	IRS element (for citing)
Total	0	Total

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	142798	Total

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	38290	Total

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	17415	Total

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	18723	Total

Fees For Services Management FeesForServicesManagement

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	12389	Total

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	27600	Total

Fees For Services Lobbying FeesForServicesLobbying

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Prof Fundraising FeesForServicesProfFundraising

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Invst Mgmnt Fees FeesForServicesInvstMgmntFees

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	4250	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	8667	Total

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	43915	Total

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	149531	Total

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	59248	Total

Travel Travel

Field	Value	IRS element (for citing)
Total	29542	Total

Travel Entrtnmnt Public Officials TravelEntrtnmntPublicOfficials

Field	Value	IRS element (for citing)
Total	0	Total

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	0	Total

Interest Interest

Field	Value	IRS element (for citing)
Total	0	Total

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	62234	Total

Insurance Insurance

Field	Value	IRS element (for citing)
Total	29930	Total

Other Expenses OtherExpenses (4 entries)

DescriptionDescription	TotalTotal
MISCELLANEOUS	14401
REPAIRS & MAINTENANCE	18905
LOAN AND ACCOUNT SERVICING	55086
PROVISION FOR LOAN LOSSES	76677

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	8267	Total

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	1053267	Total
Program Services	0	ProgramServices
Management And General	0	ManagementAndGeneral
Fundraising	0	Fundraising

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	610442	BOY
EOY	203345	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	6048628	BOY
EOY	6834436	EOY

Pledges And Grants Receivable PledgesAndGrantsReceivable

Field	Value	IRS element (for citing)
EOY	0	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	95	BOY
EOY	0	EOY

Receivables From Officers Etc ReceivablesFromOfficersEtc

Field	Value	IRS element (for citing)
EOY	0	EOY

Receivables From Disqual Persons ReceivablesFromDisqualPersons

Field	Value	IRS element (for citing)
EOY	0	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	15126702	BOY
EOY	14007805	EOY

Inventories For Sale Or Use InventoriesForSaleOrUse

Field	Value	IRS element (for citing)
EOY	0	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	23197	BOY
EOY	15074	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	1442447	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	357607	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	1138629	BOY
EOY	1084840	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
EOY	0	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
EOY	0	EOY

Investments Program Related InvestmentsProgramRelated

Field	Value	IRS element (for citing)
EOY	0	EOY

Intangible Assets IntangibleAssets

Field	Value	IRS element (for citing)
EOY	0	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	235844	BOY
EOY	184810	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	23183537	BOY
EOY	22330310	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	163449	BOY
EOY	176486	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	20878886	BOY
EOY	20068598	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	21042335	BOY
EOY	20245084	EOY

Field	Value	IRS element (for citing)
Do Not Follow SFAS117	X	DoNotFollowSFAS117

Paid In Cap Srpls Land Bldg Eqp Fund PaidInCapSrplsLandBldgEqpFund

Field	Value	IRS element (for citing)
BOY	468761	BOY
EOY	468761	EOY

Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc

Field	Value	IRS element (for citing)
BOY	1672441	BOY
EOY	1616465	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	2141202	BOY
EOY	2085226	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	23183537	BOY
EOY	22330310	EOY

Field	Value	IRS element (for citing)
Reconcilation Revenue Expenses	-55976	ReconcilationRevenueExpenses
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	false	AccountantCompileOrReview
FS Audited	false	FSAudited
Federal Grant Audit Required	false	FederalGrantAuditRequired

Schedule D IRS990ScheduleD

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	252717	OtherCostOrOtherBasis
Book Value	252717	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	964070	OtherCostOrOtherBasis
Depreciation	203006	Depreciation
Book Value	761064	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	2681	OtherCostOrOtherBasis
Depreciation	1353	Depreciation
Book Value	1328	BookValue

Other Land Buildings OtherLandBuildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	222979	OtherCostOrOtherBasis
Depreciation	153248	Depreciation
Book Value	69731	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	1084840	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities (2 entries)

DescriptionDescription	AmountAmount
UNREALIZED GAIN/(LOSS) PENSION	-$190,218
MEMBER SHARES & RESERVES	$20,258,816

Field	Value	IRS element (for citing)
Total Of Amounts	20068598	TotalOfAmounts

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (3 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
Form 990, Part VI, Line 19	Form 990, Part VI, Line 19: Other Organization Documents Publicly Available	GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST TO MEMBERS. FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION, ON THE WEBSITE, AND A COPY IS PROVIDED TO MEMBERS UPON REQUEST.
Form 990, Part VI, Line 12c	Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts	UNITED CREDIT UNION HAS A WRITTEN CONFLICT OF INTEREST POLICY THAT IS REGULARLY MONITORED BY MANAGEMENT.
Form 990, Part VI, Line 11b	Form 990, Part VI, Line 11b: Form 990 Review Process	No review was or will be conducted.