CREDIT UNIONS CHARTERED IN THE ST OF MICHIGAN DBA UP ST CREDIT UNION: Form 990, tax year 2011

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS CHARTERED IN THE ST OF MICHIGAN DBA UP ST CREDIT UNION (EIN 38-1735283)
Tax period: 2011-01-01 to 2011-12-31
Filed: 2012-05-21
IRS object ID: 201211429349300331
Schema version: 2011v1.2
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 L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2012-05-21T13:47:24-07:00	Timestamp
Tax Period End Date	2011-12-31	TaxPeriodEndDate

Preparer Firm PreparerFirm

Preparer Firm Business Name PreparerFirmBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	FINANCIAL STANDARDS GROUP INC	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	3615 NEWBURG ROAD	AddressLine1
City	LOUISVILLE	City
State	KY	State
ZIP Code	40218	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnType
Tax Period Begin Date	2011-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	381735283	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	Credit Union Chartered in Michigan	BusinessNameLine1
Business Name Line2	Upper Peninsula State Employees CU	BusinessNameLine2

Field	Value	IRS element (for citing)
Name Control	CRED	NameControl
Phone	9067861146	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO Box 456 2501 1st Ave North	AddressLine1
City	Escanaba	City
State	MI	State
ZIP Code	49829	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	Raymond J Theoret	Name
Title	CEO	Title
Date Signed	2012-05-21	DateSigned
Authorize Third Party	true	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	Robin Rivers	Name
Phone	5105274065	Phone

Field	Value	IRS element (for citing)
Tax Year	2011	TaxYear
Build TS	2016-02-24 21:20:13Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Gross Receipts	2581860	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
All Affiliates Included	false	AllAffiliatesIncluded
Organization501c	X	Organization501c
Web Site	www.upscu.com	WebSite
Type Of Organization Corporation	X	TypeOfOrganizationCorporation
Year Formation	1955	YearFormation
State Legal Domicile	MI	StateLegalDomicile
Activity Or Mission Description	Provide financial services and products to members.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	7	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	7	NbrIndependentVotingMembers
Total Nbr Employees	27	TotalNbrEmployees
Total Nbr Volunteers	15	TotalNbrVolunteers
Total Gross UBI	14846	TotalGrossUBI
Net Unrelated Business Txbl Income	-5034	NetUnrelatedBusinessTxblIncome
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	2404539	ProgramServiceRevenuePriorYear
Program Service Revenue CY	2531376	ProgramServiceRevenueCY
Investment Income Prior Year	39112	InvestmentIncomePriorYear
Investment Income Current Year	28665	InvestmentIncomeCurrentYear
Other Revenue Prior Year	-63648	OtherRevenuePriorYear
Other Revenue Current Year	14846	OtherRevenueCurrentYear
Total Revenue Prior Year	2380003	TotalRevenuePriorYear
Total Revenue Current Year	2574887	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	1080712	SalariesEtcPriorYear
Salaries Etc Current Year	1054211	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	1395568	OtherExpensePriorYear
Other Expenses Current Year	1318660	OtherExpensesCurrentYear
Total Expenses Prior Year	2476280	TotalExpensesPriorYear
Total Expenses Current Year	2372871	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	-96277	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	202016	RevenuesLessExpensesCY
Total Assets BOY	37339862	TotalAssetsBOY
Total Assets EOY	41975826	TotalAssetsEOY
Total Liabilities BOY	34244184	TotalLiabilitiesBOY
Total Liabilities EOY	38343610	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	3095678	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	3632216	NetAssetsOrFundBalancesEOY
Mission Description	Provide financial services and products to members.	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Description	The Credit Union provides several deposit account types to members including savings, checking, certificates and other. The total number of members at 12/31/2011 was 6,179.	Description

Activity2 Activity2

Field	Value	IRS element (for citing)
Description	The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2011 was 3,315.	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	true	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	true	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	true	ScheduleORequired
Number Forms Transmitted With1096	1828	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	true	ComplianceWithBackupWitholding
Number Of Employees	27	NumberOfEmployees
Employment Tax Returns Filed	true	EmploymentTaxReturnsFiled
Unrelated Business Income	true	UnrelatedBusinessIncome
Form990-T Filed	true	Form990-TFiled
Foreign Financial Account	false	ForeignFinancialAccount
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTrans
Taxable Party Notification	false	TaxablePartyNotification
Form8886 T Filed	false	Form8886TFiled
Non Deductible Contributions	false	NonDeductibleContributions
Non Deductible Disclosure	false	NonDeductibleDisclosure
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
Form720 Filed	false	Form720Filed
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	true	LocalChapters
Policies Reference Chapters	true	PoliciesReferenceChapters
Form990 Provided To Governing Body	false	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	false	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	false	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	false	RegularMonitoringEnforcement
Whistleblower Policy	false	WhistleblowerPolicy
Document Retention Policy	true	DocumentRetentionPolicy
Compensation Process CEO	true	CompensationProcessCEO
Compensation Process Other	true	CompensationProcessOther
Investment In Joint Venture	false	InvestmentInJointVenture
Written Policy Or Procedure	false	WrittenPolicyOrProcedure
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Field	Value	IRS element (for citing)
Name Person	Raymond J Theoret	NamePerson
Telephone Number	9067861146	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	PO Box 456 2501 1st Ave North	AddressLine1
City	Escanaba	City
State	MI	State
ZIP Code	498290456	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (9 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer
Cindy Asher
Asst. Secretary	1.00	X	0	0	0
Gary Titus
Secretary	1.00	X	0	0	0
John Prokos
Asst. Treasurer	1.00	X	0	0	0
Bob Chapman
Treasurer	1.00	X	0	0	0
Michael Lilliquist
2nd V President	1.00	X	0	0	0
Bruce Andrews
Vice President	1.00	X	0	0	0
Howard Haulotte
President	1.00	X	0	0	0
Darcy McLean
COO	40.00		60646	0	5999	X
Raymond J Theoret
CEO	40.00		85948	0	8499	X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	146594	TotalReportableCompFromOrg
Total Other Compensation	14498	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	75 Remittance Dr Ste 6974	AddressLine1
City	Chicago	City
State	IL	State
ZIP Code	60675	ZIPCode

Field	Value	IRS element (for citing)
Description Of Services	Data Processing	DescriptionOfServices
Compensation	226645	Compensation

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	1	NumberOfContractorsGT100K
Total Contributions	0	TotalContributions

Program Service Revenue ProgramServiceRevenue (5 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome
VISA Interchange Income	522100	64965	64965
Other Program Revenue	522100	38417	38417
Interest on Loans	522100	1702393	1702393
Fees & Charges	522100	632678	632678
ATM \ Check Card Income	522100	92923	92923

Field	Value	IRS element (for citing)
Total Program Service Revenue	2531376	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	28665	TotalRevenueColumn
Related Or Exempt Function Income	28665	RelatedOrExemptFunctionIncome

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

Gross Rents GrossRents

Field	Value	IRS element (for citing)
Real	6593	Real

Less Rental Expenses LessRentalExpenses

Field	Value	IRS element (for citing)
Real	6973	Real

Rental Income Or Loss RentalIncomeOrLoss

Field	Value	IRS element (for citing)
Real	-380	Real

Net Rental Income Or Loss NetRentalIncomeOrLoss

Field	Value	IRS element (for citing)
Total Revenue Column	-380	TotalRevenueColumn
Unrelated Business Revenue	-380	UnrelatedBusinessRevenue

Net Gain Or Loss Investments NetGainOrLossInvestments

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

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

Other Revenue Misc OtherRevenueMisc (2 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Unrelated Business RevenueUnrelatedBusinessRevenue
Insurance Handling Fees	524298	7222	7222
ATM Surcharge Income	525990	8004	8004

Field	Value	IRS element (for citing)
Total Other Revenue	15226	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	2574887	TotalRevenueColumn
Related Or Exempt Function Income	2560041	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	14846	UnrelatedBusinessRevenue

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	0	Total

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	160232	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	644973	Total

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	74443	Total

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	109758	Total

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	64805	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	0	Total

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	42499	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	0	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	49512	Total

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	255502	Total

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	226645	Total

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	75806	Total

Travel Travel

Field	Value	IRS element (for citing)
Total	0	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	179641	Total

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	72932	Total

Insurance Insurance

Field	Value	IRS element (for citing)
Total	38601	Total

Other Expenses OtherExpenses (5 entries)

DescriptionDescription	TotalTotal
Provision for Loan Losses	75000
Postage and Shipping	19695
NCUA Stabilization Expense	88387
Loss on Disp. of Assets	44039
Loan Servicing Expenses	150401

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	0	Total

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	2372871	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	823790	BOY
EOY	791915	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	5778868	BOY
EOY	8787054	EOY

Pledges And Grants Receivable PledgesAndGrantsReceivable

Field	Value	IRS element (for citing)
EOY	0	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
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	28051498	BOY
EOY	27955320	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	64058	BOY
EOY	45513	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	2316725	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	619434	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	1746610	BOY
EOY	1697291	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)
BOY	163528	BOY
EOY	1217000	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	711510	BOY
EOY	1481733	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	37339862	BOY
EOY	41975826	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	632062	BOY
EOY	655038	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	33612122	BOY
EOY	37688572	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	34244184	BOY
EOY	38343610	EOY

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

Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc

Field	Value	IRS element (for citing)
BOY	3095678	BOY
EOY	3632216	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	3095678	BOY
EOY	3632216	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	37339862	BOY
EOY	41975826	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	202016	ReconcilationRevenueExpenses
Reconcilation Other Changes	334522	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	false	AccountantCompileOrReview
FS Audited	true	FSAudited
Audit Committee	true	AuditCommittee
Financial Statement Separate	X	FinancialStatementSeparate
Federal Grant Audit Required	false	FederalGrantAuditRequired
Federal Grant Audit Performed	false	FederalGrantAuditPerformed

Schedule D IRS990ScheduleD

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	668180	OtherCostOrOtherBasis
Book Value	668180	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	1044059	OtherCostOrOtherBasis
Depreciation	221207	Depreciation
Book Value	822852	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	115209	OtherCostOrOtherBasis
Depreciation	56315	Depreciation
Book Value	58894	BookValue

Other Land Buildings OtherLandBuildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	489277	OtherCostOrOtherBasis
Depreciation	341912	Depreciation
Book Value	147365	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	1697291	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities (2 entries)

DescriptionDescription	AmountAmount
Member Share Accounts	$27,368,087
Member Deposit Accounts	$10,320,485

Field	Value	IRS element (for citing)
Total Of Amounts	37688572	TotalOfAmounts
Total Revenue	2574887	TotalRevenue
Total Expenses	2372871	TotalExpenses
Excess Or Deficit For Year	202016	ExcessOrDeficitForYear
Net Unrealized GL On Investments	8539	NetUnrealizedGLOnInvestments
Other	$325,983	OtherAmount
Total Adjustments	334522	TotalAdjustments
Excess Or Deficit Per FS	536538	ExcessOrDeficitPerFS
Tot Revenue Etc Audited Fincl Stmt	2574887	TotRevenueEtcAuditedFinclStmt
Revenue Subtotal	2574887	RevenueSubtotal
Total Revenue Per Form990	2574887	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	2372871	TotExpensesEtcAuditedFinclStmt
Expenses Subtotal	2372871	ExpensesSubtotal
Total Expenses Per Form990	2372871	TotalExpensesPerForm990

Form990 Schedule D Part XIV Form990ScheduleDPartXIV

Field	Value	IRS element (for citing)
Identifier	Part XI, Line 8	Identifier
Return Reference	Part XI, Line 8: Other Changes in Net Assets or Fund Balances	ReturnReference
Explanation	Equity Acquired in Merger $325983	Explanation

Schedule L IRS990ScheduleL

Loan Table LoanTable

Name Business NameBusiness

Field	Value	IRS element (for citing)
Business Name Line1	No loans requiring reporting	BusinessNameLine1

Field	Value	IRS element (for citing)
Purpose Of Loan	per 10/21/11 Instructions	PurposeOfLoan
Loan From Organization	X	LoanFromOrganization
Default	false	Default
Approved By Board	true	ApprovedByBoard
Written Agreement	true	WrittenAgreement

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (7 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
Form 990, Part VI, Line 19	Form 990, Part VI, Line 19: Other Organization Documents Publicly Available	Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (Call) reports are also available at www.ncua.gov for all federally insured credit unions.
Form 990, Part VI, Line 15b	Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees	Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.
Form 990, Part VI, Line 12c	Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts	Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.
Form 990, Part VI, Line 11	Form 990, Part VI, Line 11: Form 990 Review Process	Management reviews tax returns and forwards US Form 88798-EQ to tax preparer. Board reviews filed tax returns at next scheduled meeting.
Form 990, Part VI, Line 7b	Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders	Mergers are voted on by entire membership.
Form 990, Part VI, Line 7a	Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body	Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.
Form 990, Part VI, Line 6	Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder	Section 501c(14) Credit Union is composed of members.