2012-11-15T20:30:29-06:00 2011-12-31 SCHWARTZ COLE AND ASSOCIATES LLC 11776 W SAMPLE RD STE 106 CORAL SPRINGS FL 330653180 990 2011-01-01 751248359 YOUR COMMUNITY CREDIT UNION YOUR 2145742000 8384 N BELT LINE RD IRVING TX 75063 STEVE MARTIN 2145742000 2012-11-15 DANIEL J COLE 9547551760 2012-11-15 2011 2016-02-24 21:20:13Z STEVE MARTIN 8384 N BELT LINE RD IRVING TX 75063 6891778 false X WWW.YCCU.COM X 1965 PROVIDING PERSONAL FINANCIAL SERVICE AND VALUE TO MEMBERS. THESE SERVICES INCLUDE BANKING, LOANS, AND INVESTMENTS THAT ARE NOT AVAILABLE TO NON- MEMBERS. 14 10 68 19440 -28638 0 6863521 5799098 1288300 1092680 0 8151821 6891778 0 0 2797114 2421395 0 0 5569468 4274536 8366582 6695931 -214761 195847 158070911 157078456 146920005 144941472 11150906 12136984 PROVIDING PERSONAL FINANCIAL SERVICE AND VALUE TO MEMBERS. THESE SERVICES INCLUDE BANKING, LOANS, AND INVESTMENTS THAT ARE NOT AVAILABLE TO NON- MEMBERS. false false SHARE ACCOUNTS THE CREDIT UNION OFFERS SERVICES TO MEMBERS OF ALL AGES. WE HAVE 15,700 AS OF 12/31/2010. THE NUMBER INCLUDES BASIC SHARES AND SHARE ACCOUNTS DESIGNED FOR HOLIDAY AND VACATION SAVINGS. THESE ACCOUNTS CAN BE ACCESSED BY HOMEBANKING, AUDIO RESPONSE, AND A FREE DEBIT CARD. CHECKING ACCOUNTS THE CREDIT UNION PROVIDES CHECKING ACCOUNTS FOR MEMBERS TO ACCESS WITH VARIOUS FEATURES. WE OFFER FREE CHECKING, AS WELL AS ACCOUNTS THAT PAY DIVIDENDS. THESE ACCOUNTS COME WITH FREE BILL PAY, A FREE DEBIT CARD, ACCESS TO FREE SHARED BRANCHING FACILITIES, AND SURCHARGE FREE ATM'S NATIONWIDE. CONSUMER LOANS AND CREDIT CARDS THE CREDIT UNION OFFERS CONSUMER LOANS TO INCLUDE AUTOMOBILES, RECEREATIONAL VEHICLES, EQUIPMENT, AND UNSECURED LOAN PRODUCTS TO MEMBERS. THE CREDIT UNION ALSO OFFERS A VISA CREDIT CARD TO MEMBERS. ALL LOAN PRODUCTS OFFER REASONABLE RATES WITH DIFFERENT METHODS OF PAYBACK FOR MEMBERS. false false false false false false false false false true true false false true false true false false false false false false false false false false false false true false false false false false false false false false false false false false false false true 12376 0 true 68 true true true false false false false false X 14 10 false false false false true true true true true false true true false true false false true true true false false X STEVE MARTIN CFO 8003887889 8384 N BELT LINE IRVING TX 75063 DONNA CARPENTER 2.00 X 0 0 0 JOHN DANIEL 2.00 X 0 0 0 ROBERT GANSON 2.00 X 0 0 0 ANTHONY HILL 2.00 X 0 0 0 KELLY PENNY 2.00 X 0 0 0 RON POWELL 2.00 X 0 0 0 STEVE PRATT 2.00 X 0 0 0 CHRISTA SLEJKO 2.00 X 0 0 0 CHRIS YARNELL 2.00 X 0 0 0 PRABU AYYAGARI 2.00 X 0 0 0 MARK O'BRYAN 40.00 X 179436 0 0 LISA CONNELL 40.00 X 114678 0 0 STEVE MARTIN 40.00 X 110890 0 0 KEVIN ERICSON 40.00 X 97201 0 0 502205 3 false true false AT&T PO BOX 5019 CAROL STREAM IL 60197 COMMUNICATIONS 212425 FISERV PO BOX 99924 GRAPEVINE TX 76099 FINANCIAL SERV 206372 BLUE CROSS BLUE SHIELD 300 E RANDOLPH ST CHICAGO IL 60601 INSURANCE 176542 FISERV CARD SERVICES PO BOX 60000 SAN FRANCISCO CA 94160 CREDIT CARD 164401 UNITED SOLUTIONS COMPANY 1585 SUMMIT LAKE SUITE 300 TALLAHASSEE FL 32317 CREDIT UN SERV 147222 5 LOAN INCOME 4642218 4642218 FEE INCOME 1051640 1051640 OTHER OPERATING INCOME 122618 122618 NON MEMBER ATM FEES 522100 19440 19440 OTHER NON OP INCOME -36818 -36818 5799098 1092680 1092680 6891778 6872338 19440 502205 1431783 117774 182367 187266 222373 101393 1654879 570504 21800 10603 339896 DIVIDENDS 775236 LOAN LOSS 461347 MISC OPERATING EXPENSES 77808 OPERATING FEES 21492 17205 6695931 0 0 0 1593579 954533 8507807 14202416 150 724314 90112627 84119226 196762 179319 9179917 3661805 5763941 5518112 49378311 48897401 2517734 2483135 158070911 157078456 642057 1578492 146277948 143362980 146920005 144941472 X 11150906 12136984 11150906 12136984 158070911 157078456 195847 790231 X false true true false false false false false false false false false false false 1149884 1149884 5332149 1463776 3868373 450966 276600 174366 2246918 1921429 325489 5518112 37897458 F LOANS AND INVESTMENTS TO CU'S 10707543 C ALL OTHER INVESTMENTS 292400 C 48897401 MEMBER SHARES 143362980 143362980 6891778 6695931 195847 1530463 1530463 1726310 8422241 1530463 1530463 6891778 6891778 6695931 6695931 6695931 X X false false false MARK O'BRYAN 179436 179436 CLASSES OF MEMBERS OR STOCKHOLDERS FORM 990, PAGE 6, PART VI, LINE 6 MEMBERS ARE THOSE WHO QUALIFY ACCORDING TO CHARTER, AND CHOOSE TO JOIN. ELECTION OF MEMBERS AND THEIR RIGHTS FORM 990, PAGE 6, PART VI, LINE 7A ELECTION OF MEMBERS TO THE BOARD OF DIRECTORS IS BY ELECTION OF MEMBERS AT AN ANNUAL MEETING IN WHICH A QUOREM IS PRESENT. DECISIONS SUBJECT TO APPROVAL OF MEMBERS FORM 990, PAGE 6, PART VI, LINE 7B DECISION ARE SUBJECT TO APPROVAL BY BOARD OF DIRECTORS WHO ARE ELECTED BY MEMBERS. ORGANIZATION'S PROCESS USED TO REVIEW FORM 990 FORM 990, PAGE 6, PART VI, LINE 11B FORM 990 REVIEWED BY BOARD OF DIRECTORS AT A REGULARLY SCHEDULED MEETING. COMPENSATION PROCESS FOR TOP OFFICIAL FORM 990, PAGE 6, PART VI, LINE 15A COMPENSATION OF CEO IS REVIEWED BY COMPENSATION COMMITTEE OF BOARD OF DIRECTORS. THERE IS ALSO A WRITTEN EMPLOYMENT CONTRACT FOR THE CEO. GOVERNING DOCUMENTS DISCLOSURE EXPLANATION FORM 990, PAGE 6, PART VI, LINE 19 CREDIT UNION IS REGULATED BY NCUA, AND ALL FINANCIAL INFORMATION IS REPORTED TO NCUA. INFORMATION REPORTED TO NCUA IS PUBLICLY AVAILABLE. THE CHARTER AND BY LAWS OF THE CREDIT UNION ARE AVAILABLE TO MEMBERS UPON REQUEST.