﻿<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.irs.gov/efile" returnVersion="2010v3.4">
  <ReturnHeader binaryAttachmentCount="0">
    <Timestamp>2011-08-30T07:50:08-05:00</Timestamp>
    <TaxPeriodEndDate>2010-12-31</TaxPeriodEndDate>
    <PreparerFirm>
      <PreparerFirmBusinessName>
        <BusinessNameLine1>WIPFLI LLP</BusinessNameLine1>
      </PreparerFirmBusinessName>
      <PreparerFirmUSAddress>
        <AddressLine1>7601 FRANCE AVENUE SOUTH SUITE 400</AddressLine1>
        <City>MINNEAPOLIS</City>
        <State>MN</State>
        <ZIPCode>55435</ZIPCode>
      </PreparerFirmUSAddress>
    </PreparerFirm>
    <ReturnType>990</ReturnType>
    <TaxPeriodBeginDate>2010-01-01</TaxPeriodBeginDate>
    <Filer>
      <EIN>390776051</EIN>
      <Name>
        <BusinessNameLine1>KYLE CENTRAL CREDIT UNION</BusinessNameLine1>
      </Name>
      <NameControl>KYLE</NameControl>
      <Phone>4147644830</Phone>
      <USAddress>
        <AddressLine1>1201 MARQUETTE AVENUE</AddressLine1>
        <City>SO MILWAUKEE</City>
        <State>WI</State>
        <ZIPCode>53172</ZIPCode>
      </USAddress>
    </Filer>
    <Officer>
      <Name>TED W JAROSH</Name>
      <Title>PRESIDENT</Title>
      <Phone>4147644830</Phone>
      <DateSigned>2011-08-23</DateSigned>
      <AuthorizeThirdParty>1</AuthorizeThirdParty>
    </Officer>
    <Preparer>
      <Name>RICHARD RUVELSON</Name>
      <Phone>9525483400</Phone>
      <DatePrepared>2011-08-23</DatePrepared>
    </Preparer>
    <TaxYear>2010</TaxYear>
    <BuildTS>2016-02-24 21:20:13Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCount="3">
    <IRS990 documentId="RetDoc1038000001" referenceDocumentId="RetDoc1044400001">
      <NameOfPrincipalOfficerPerson>TED JAROSH</NameOfPrincipalOfficerPerson>
      <AddressPrincipalOfficerUS>
        <AddressLine1>1201 MARQUETTE AVE</AddressLine1>
        <City>SO MILWAUKEE</City>
        <State>WI</State>
        <ZIPCode>53172</ZIPCode>
      </AddressPrincipalOfficerUS>
      <GrossReceipts>504341</GrossReceipts>
      <GroupReturnForAffiliates>0</GroupReturnForAffiliates>
      <GroupExemptionNumber>2157</GroupExemptionNumber>
      <Organization501c typeOf501cOrganization="14">X</Organization501c>
      <WebSite>WWW.KYLECENTRALCU.COM</WebSite>
      <TypeOfOrganizationCorporation>X</TypeOfOrganizationCorporation>
      <YearFormation>1934</YearFormation>
      <StateLegalDomicile>WI</StateLegalDomicile>
      <ActivityOrMissionDescription>THE PURPOSES OF THIS CREDIT UNION ARE: TO ENCOURAGE THRIFT AMOUNG ITS MEMBERS; TO CREATE A COURSE OF CREDIT AT A FAIR AND REASONABLE COST; TO PROVIDE AN OPPORTUNITY FOR EACH OF ITS MEMBERS TO IMPROVE THE MEMBER'S RESPECTIVE ECONOMIC AND SOCIAL CONDITIONS; AND TO PERFORM THE FUNCTIONS AND EXERCISE THE POWERS DESIGNATED FOR CREDIT UNIONS UNDER APPLICABLE LAWS.</ActivityOrMissionDescription>
      <NbrVotingMembersGoverningBody>6</NbrVotingMembersGoverningBody>
      <NbrIndependentVotingMembers>6</NbrIndependentVotingMembers>
      <TotalNbrEmployees>7</TotalNbrEmployees>
      <TotalNbrVolunteers>6</TotalNbrVolunteers>
      <TotalGrossUBI>0</TotalGrossUBI>
      <NetUnrelatedBusinessTxblIncome>0</NetUnrelatedBusinessTxblIncome>
      <ContributionsGrantsPriorYear>0</ContributionsGrantsPriorYear>
      <ContributionsGrantsCurrentYear>0</ContributionsGrantsCurrentYear>
      <ProgramServiceRevenuePriorYear>504279</ProgramServiceRevenuePriorYear>
      <ProgramServiceRevenueCY>448413</ProgramServiceRevenueCY>
      <InvestmentIncomePriorYear>60582</InvestmentIncomePriorYear>
      <InvestmentIncomeCurrentYear>55230</InvestmentIncomeCurrentYear>
      <OtherRevenuePriorYear>1405</OtherRevenuePriorYear>
      <OtherRevenueCurrentYear>698</OtherRevenueCurrentYear>
      <TotalRevenuePriorYear>566266</TotalRevenuePriorYear>
      <TotalRevenueCurrentYear>504341</TotalRevenueCurrentYear>
      <GrantsAndSimilarAmntsPriorYear>0</GrantsAndSimilarAmntsPriorYear>
      <GrantsAndSimilarAmntsCY>0</GrantsAndSimilarAmntsCY>
      <BenefitsPaidToMembersPriorYear>0</BenefitsPaidToMembersPriorYear>
      <BenefitsPaidToMembersCY>0</BenefitsPaidToMembersCY>
      <SalariesEtcPriorYear>271425</SalariesEtcPriorYear>
      <SalariesEtcCurrentYear>263707</SalariesEtcCurrentYear>
      <TotalProfFundrsngExpPriorYear>0</TotalProfFundrsngExpPriorYear>
      <TotalProfFundrsngExpCY>0</TotalProfFundrsngExpCY>
      <TotalFundrsngExpCurrentYear>0</TotalFundrsngExpCurrentYear>
      <OtherExpensePriorYear>306031</OtherExpensePriorYear>
      <OtherExpensesCurrentYear>317979</OtherExpensesCurrentYear>
      <TotalExpensesPriorYear>577456</TotalExpensesPriorYear>
      <TotalExpensesCurrentYear>581686</TotalExpensesCurrentYear>
      <RevenuesLessExpensesPriorYear>-11190</RevenuesLessExpensesPriorYear>
      <RevenuesLessExpensesCY>-77345</RevenuesLessExpensesCY>
      <TotalAssetsBOY>10795262</TotalAssetsBOY>
      <TotalAssetsEOY>11364604</TotalAssetsEOY>
      <TotalLiabilitiesBOY>9078337</TotalLiabilitiesBOY>
      <TotalLiabilitiesEOY>9725024</TotalLiabilitiesEOY>
      <NetAssetsOrFundBalancesBOY>1716925</NetAssetsOrFundBalancesBOY>
      <NetAssetsOrFundBalancesEOY>1639580</NetAssetsOrFundBalancesEOY>
      <MissionDescription>PROVIDING FINANCIAL SERVICES TO BUSINESSES, INDIVIDUALS, AND FAMILIES WORKING OR RESIDING IN SOUTH MILWAUKEE, OAK CREEK, FRANKLIN, CALEDONIA AND MILWAUKEE.</MissionDescription>
      <SignificantNewProgramServices>0</SignificantNewProgramServices>
      <SignificantChange>0</SignificantChange>
      <Description>LOANS ARE PROVIDED TO MEMBERS. THE NUMBER OF LOANS OUSTANDING AT DECEMBER 31, 2010, WAS 1,508.</Description>
      <Activity2>
        <Description>DEPOSIT/SHARE ACCOUNTS ARE PROVIDED TO MEMBERS. THE OUSTANDING BALANCE AT DECEMBER 31, 2010 OF THE DEPOSIT/SHARE ACCOUNTS WAS $9,610,991.</Description>
      </Activity2>
      <DescribedIn501C3>0</DescribedIn501C3>
      <ScheduleBRequired>0</ScheduleBRequired>
      <PoliticalActivities>0</PoliticalActivities>
      <DonorAdvisedFunds referenceDocumentId="RetDoc1040000001">0</DonorAdvisedFunds>
      <ConservationEasements referenceDocumentId="RetDoc1040000001">0</ConservationEasements>
      <CollectionsOfArt referenceDocumentId="RetDoc1040000001">0</CollectionsOfArt>
      <CreditCounseling referenceDocumentId="RetDoc1040000001">0</CreditCounseling>
      <TermOrPermanentEndowments referenceDocumentId="RetDoc1040000001">0</TermOrPermanentEndowments>
      <ReportLandBldgEquip referenceDocumentId="RetDoc1040000001">1</ReportLandBldgEquip>
      <ReportInvestOthSecurities referenceDocumentId="RetDoc1040000001">1</ReportInvestOthSecurities>
      <ReportProgRelInvest referenceDocumentId="RetDoc1040000001">0</ReportProgRelInvest>
      <ReportOtherAssets referenceDocumentId="RetDoc1040000001">0</ReportOtherAssets>
      <ReportOtherLiabilities referenceDocumentId="RetDoc1040000001">1</ReportOtherLiabilities>
      <ReportFin48Footnote referenceDocumentId="RetDoc1040000001">0</ReportFin48Footnote>
      <IndependentAuditFinancialStmt referenceDocumentId="RetDoc1040000001">0</IndependentAuditFinancialStmt>
      <ConsolidatedAuditFinancialStmt referenceDocumentId="RetDoc1040000001">0</ConsolidatedAuditFinancialStmt>
      <School>0</School>
      <ForeignOffice>0</ForeignOffice>
      <ForeignActivities>0</ForeignActivities>
      <MoreThan5000KToOrganizations>0</MoreThan5000KToOrganizations>
      <MoreThan5000KToIndividuals>0</MoreThan5000KToIndividuals>
      <ProfessionalFundraising>0</ProfessionalFundraising>
      <FundraisingActivities>0</FundraisingActivities>
      <Gaming>0</Gaming>
      <Hospital>0</Hospital>
      <GrantsToOrganizations>0</GrantsToOrganizations>
      <GrantsToIndividuals>0</GrantsToIndividuals>
      <ScheduleJRequired>0</ScheduleJRequired>
      <TaxExemptBonds>0</TaxExemptBonds>
      <LoanToOfficerOrDQP>0</LoanToOfficerOrDQP>
      <GrantToRelatedPerson>0</GrantToRelatedPerson>
      <BsnssRltnshpWithOrganization>0</BsnssRltnshpWithOrganization>
      <BsnssRltnshpThruFamilyMember>0</BsnssRltnshpThruFamilyMember>
      <OfficerEntityWithBsnssRltnshp>0</OfficerEntityWithBsnssRltnshp>
      <DeductibleNonCashContributions>0</DeductibleNonCashContributions>
      <DeductibleContributionsOfArt>0</DeductibleContributionsOfArt>
      <Terminated>0</Terminated>
      <PartialLiquidation>0</PartialLiquidation>
      <DisregardedEntity>0</DisregardedEntity>
      <RelatedEntity>0</RelatedEntity>
      <RelatedOrgControlledEntity>0</RelatedOrgControlledEntity>
      <TransactionRelatedEntity>0</TransactionRelatedEntity>
      <ActivitiesConductedPartnership>0</ActivitiesConductedPartnership>
      <ScheduleORequired>1</ScheduleORequired>
      <NumberFormsTransmittedWith1096>445</NumberFormsTransmittedWith1096>
      <NumberW2GIncluded>0</NumberW2GIncluded>
      <NumberOfEmployees>7</NumberOfEmployees>
      <EmploymentTaxReturnsFiled>1</EmploymentTaxReturnsFiled>
      <UnrelatedBusinessIncome>0</UnrelatedBusinessIncome>
      <ForeignFinancialAccount>0</ForeignFinancialAccount>
      <ProhibitedTaxShelterTrans>0</ProhibitedTaxShelterTrans>
      <TaxablePartyNotification>0</TaxablePartyNotification>
      <NonDeductibleContributions>0</NonDeductibleContributions>
      <QuidProQuoContributions>0</QuidProQuoContributions>
      <Form8282PropertyDisposedOf>0</Form8282PropertyDisposedOf>
      <IndoorTanningServices>0</IndoorTanningServices>
      <InfoInScheduleOPartVI>X</InfoInScheduleOPartVI>
      <NbrVotingGoverningBodyMembers>6</NbrVotingGoverningBodyMembers>
      <NumberIndependentVotingMembers>6</NumberIndependentVotingMembers>
      <FamilyOrBusinessRelationship>0</FamilyOrBusinessRelationship>
      <DelegationOfManagementDuties>0</DelegationOfManagementDuties>
      <ChangesToOrganizingDocs>0</ChangesToOrganizingDocs>
      <MaterialDiversionOrMisuse>0</MaterialDiversionOrMisuse>
      <MembersOrStockholders>1</MembersOrStockholders>
      <ElectionOfBoardMembers>1</ElectionOfBoardMembers>
      <DecisionsSubjectToApproval>0</DecisionsSubjectToApproval>
      <MinutesOfGoverningBody>1</MinutesOfGoverningBody>
      <MinutesOfCommittees>1</MinutesOfCommittees>
      <OfficerMailingAddress>0</OfficerMailingAddress>
      <LocalChapters>0</LocalChapters>
      <Form990ProvidedToGoverningBody>1</Form990ProvidedToGoverningBody>
      <ConflictOfInterestPolicy>1</ConflictOfInterestPolicy>
      <AnnualDisclosureCoveredPersons>1</AnnualDisclosureCoveredPersons>
      <RegularMonitoringEnforcement>1</RegularMonitoringEnforcement>
      <WhistleblowerPolicy>0</WhistleblowerPolicy>
      <DocumentRetentionPolicy>1</DocumentRetentionPolicy>
      <CompensationProcessCEO>1</CompensationProcessCEO>
      <CompensationProcessOther>1</CompensationProcessOther>
      <InvestmentInJointVenture>0</InvestmentInJointVenture>
      <StatesWhereCopyOfReturnIsFiled>WI</StatesWhereCopyOfReturnIsFiled>
      <UponRequest>X</UponRequest>
      <TheBooksAreInCareOf>
        <NameBusiness>
          <BusinessNameLine1>TED JAROSH</BusinessNameLine1>
        </NameBusiness>
        <TelephoneNumber>4147644830</TelephoneNumber>
        <AddressUS>
          <AddressLine1>1201 MARGUETTE AVE</AddressLine1>
          <City>SO MILWAUKEE</City>
          <State>WI</State>
          <ZIPCode>53172</ZIPCode>
        </AddressUS>
      </TheBooksAreInCareOf>
      <Form990PartVIISectionA>
        <NamePerson>ROSS DAHARSH</NamePerson>
        <Title>BOARD</Title>
        <AverageHoursPerWeek>0.50</AverageHoursPerWeek>
        <IndividualTrusteeOrDirector>X</IndividualTrusteeOrDirector>
        <ReportableCompFromOrganization>0</ReportableCompFromOrganization>
        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
      </Form990PartVIISectionA>
      <Form990PartVIISectionA>
        <NamePerson>LLOYD BARNES</NamePerson>
        <Title>BOARD</Title>
        <AverageHoursPerWeek>0.50</AverageHoursPerWeek>
        <IndividualTrusteeOrDirector>X</IndividualTrusteeOrDirector>
        <ReportableCompFromOrganization>0</ReportableCompFromOrganization>
        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
      </Form990PartVIISectionA>
      <Form990PartVIISectionA>
        <NamePerson>ED VAHRADIAN</NamePerson>
        <Title>BOARD</Title>
        <AverageHoursPerWeek>0.50</AverageHoursPerWeek>
        <IndividualTrusteeOrDirector>X</IndividualTrusteeOrDirector>
        <ReportableCompFromOrganization>0</ReportableCompFromOrganization>
        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
      </Form990PartVIISectionA>
      <Form990PartVIISectionA>
        <NamePerson>FRANK NAMETH</NamePerson>
        <Title>CHAIRMAN</Title>
        <AverageHoursPerWeek>0.50</AverageHoursPerWeek>
        <IndividualTrusteeOrDirector>X</IndividualTrusteeOrDirector>
        <Officer>X</Officer>
        <ReportableCompFromOrganization>0</ReportableCompFromOrganization>
        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
      </Form990PartVIISectionA>
      <Form990PartVIISectionA>
        <NamePerson>WAYNE KOWALSKI</NamePerson>
        <Title>TREASURER</Title>
        <AverageHoursPerWeek>0.50</AverageHoursPerWeek>
        <IndividualTrusteeOrDirector>X</IndividualTrusteeOrDirector>
        <Officer>X</Officer>
        <ReportableCompFromOrganization>0</ReportableCompFromOrganization>
        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
      </Form990PartVIISectionA>
      <Form990PartVIISectionA>
        <NamePerson>HAROLD WALTER</NamePerson>
        <Title>VICE CHAIRMAN</Title>
        <AverageHoursPerWeek>0.50</AverageHoursPerWeek>
        <IndividualTrusteeOrDirector>X</IndividualTrusteeOrDirector>
        <Officer>X</Officer>
        <ReportableCompFromOrganization>0</ReportableCompFromOrganization>
        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
      </Form990PartVIISectionA>
      <Form990PartVIISectionA>
        <NamePerson>TED JAROSH</NamePerson>
        <Title>PRESIDENT</Title>
        <AverageHoursPerWeek>40.00</AverageHoursPerWeek>
        <Officer>X</Officer>
        <ReportableCompFromOrganization>61000</ReportableCompFromOrganization>
        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>1098</OtherCompensation>
      </Form990PartVIISectionA>
      <TotalReportableCompFromOrg>61000</TotalReportableCompFromOrg>
      <TotalReportableCompFrmRltdOrgs>0</TotalReportableCompFrmRltdOrgs>
      <TotalOtherCompensation>1098</TotalOtherCompensation>
      <NumberIndividualsGT100K>0</NumberIndividualsGT100K>
      <FormersListed>0</FormersListed>
      <TotalCompGT150K>0</TotalCompGT150K>
      <CompensationFromOtherSources>0</CompensationFromOtherSources>
      <NumberOfContractorsGT100K>0</NumberOfContractorsGT100K>
      <ProgramServiceRevenue>
        <Description>INTEREST ON LOANS</Description>
        <BusinessCode>522100</BusinessCode>
        <TotalRevenueColumn>333253</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>333253</RelatedOrExemptFunctionIncome>
      </ProgramServiceRevenue>
      <ProgramServiceRevenue>
        <Description>INTERCHANGE INCOME</Description>
        <BusinessCode>522100</BusinessCode>
        <TotalRevenueColumn>72904</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>72904</RelatedOrExemptFunctionIncome>
      </ProgramServiceRevenue>
      <ProgramServiceRevenue>
        <Description>MEMBER SERVICE FEES</Description>
        <BusinessCode>522100</BusinessCode>
        <TotalRevenueColumn>42372</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>42372</RelatedOrExemptFunctionIncome>
      </ProgramServiceRevenue>
      <ProgramServiceRevenue>
        <Description>INSURANCE INCOME</Description>
        <BusinessCode>522100</BusinessCode>
        <TotalRevenueColumn>-116</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>-116</RelatedOrExemptFunctionIncome>
      </ProgramServiceRevenue>
      <TotalProgramServiceRevenue>448413</TotalProgramServiceRevenue>
      <InvestmentIncome>
        <TotalRevenueColumn>55230</TotalRevenueColumn>
        <ExclusionAmount>55230</ExclusionAmount>
      </InvestmentIncome>
      <OtherRevenueMisc>
        <Description>MISCELLANEOUS INCOME</Description>
        <BusinessCode>900099</BusinessCode>
        <TotalRevenueColumn>698</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>698</RelatedOrExemptFunctionIncome>
      </OtherRevenueMisc>
      <TotalOtherRevenue>698</TotalOtherRevenue>
      <TotalRevenue>
        <TotalRevenueColumn>504341</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>449111</RelatedOrExemptFunctionIncome>
        <UnrelatedBusinessRevenue>0</UnrelatedBusinessRevenue>
        <ExclusionAmount>55230</ExclusionAmount>
      </TotalRevenue>
      <CompCurrentOfficersDirectors>
        <Total>62098</Total>
      </CompCurrentOfficersDirectors>
      <OtherSalariesAndWages>
        <Total>158570</Total>
      </OtherSalariesAndWages>
      <PensionPlanContributions>
        <Total>11110</Total>
      </PensionPlanContributions>
      <OtherEmployeeBenefits>
        <Total>14694</Total>
      </OtherEmployeeBenefits>
      <PayrollTaxes>
        <Total>17235</Total>
      </PayrollTaxes>
      <FeesForServicesLegal>
        <Total>8059</Total>
      </FeesForServicesLegal>
      <FeesForServicesAccounting>
        <Total>8041</Total>
      </FeesForServicesAccounting>
      <OfficeExpenses>
        <Total>37010</Total>
      </OfficeExpenses>
      <Occupancy>
        <Total>33243</Total>
      </Occupancy>
      <Travel>
        <Total>1068</Total>
      </Travel>
      <ConferencesMeetings>
        <Total>1376</Total>
      </ConferencesMeetings>
      <DepreciationDepletion>
        <Total>15927</Total>
      </DepreciationDepletion>
      <Insurance>
        <Total>13077</Total>
      </Insurance>
      <OtherExpenses>
        <Description>DATA PROCESSING EXPENSE</Description>
        <Total>62376</Total>
      </OtherExpenses>
      <OtherExpenses>
        <Description>PROVISION FOR LOAN LOSS</Description>
        <Total>43494</Total>
      </OtherExpenses>
      <OtherExpenses>
        <Description>BANK SERVICE CHARGES</Description>
        <Total>40766</Total>
      </OtherExpenses>
      <OtherExpenses>
        <Description>DIVIDENDS PAID TO MEMBE</Description>
        <Total>27044</Total>
      </OtherExpenses>
      <OtherExpenses>
        <Description>NCUSIF STABILIZATION EX</Description>
        <Total>24179</Total>
      </OtherExpenses>
      <AllOtherExpenses>
        <Total>2319</Total>
      </AllOtherExpenses>
      <TotalFunctionalExpenses>
        <Total>581686</Total>
      </TotalFunctionalExpenses>
      <CashNonInterestBearing>
        <BOY>1187695</BOY>
        <EOY>1008920</EOY>
      </CashNonInterestBearing>
      <SavingsAndTempCashInvestments>
        <BOY>39794</BOY>
        <EOY>1248578</EOY>
      </SavingsAndTempCashInvestments>
      <OtherNotesLoansReceivableNet>
        <BOY>6297510</BOY>
        <EOY>5338033</EOY>
      </OtherNotesLoansReceivableNet>
      <PrepaidExpensesDeferredCharges>
        <BOY>2694</BOY>
        <EOY>388</EOY>
      </PrepaidExpensesDeferredCharges>
      <LandBuildingsEquipmentBasis>581010</LandBuildingsEquipmentBasis>
      <LandBldgEquipmentAccumDeprec>417249</LandBldgEquipmentAccumDeprec>
      <LandBuildingsEquipmentBasisNet>
        <BOY>179688</BOY>
        <EOY>163761</EOY>
      </LandBuildingsEquipmentBasisNet>
      <InvestmentsOtherSecurities>
        <BOY>2973100</BOY>
        <EOY>3474100</EOY>
      </InvestmentsOtherSecurities>
      <OtherAssetsTotal>
        <BOY>114781</BOY>
        <EOY>130824</EOY>
      </OtherAssetsTotal>
      <TotalAssets>
        <BOY>10795262</BOY>
        <EOY>11364604</EOY>
      </TotalAssets>
      <AccountsPayableAccruedExpenses>
        <BOY>2615</BOY>
        <EOY>4574</EOY>
      </AccountsPayableAccruedExpenses>
      <OtherLiabilities>
        <BOY>9075722</BOY>
        <EOY>9720450</EOY>
      </OtherLiabilities>
      <TotalLiabilities>
        <BOY>9078337</BOY>
        <EOY>9725024</EOY>
      </TotalLiabilities>
      <DoNotFollowSFAS117>X</DoNotFollowSFAS117>
      <CapStckTrstPrinCurrentFunds>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </CapStckTrstPrinCurrentFunds>
      <PaidInCapSrplsLandBldgEqpFund>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </PaidInCapSrplsLandBldgEqpFund>
      <RetainedEarningsEndowmentEtc>
        <BOY>1716925</BOY>
        <EOY>1639580</EOY>
      </RetainedEarningsEndowmentEtc>
      <TotalNetAssetsFundBalances>
        <BOY>1716925</BOY>
        <EOY>1639580</EOY>
      </TotalNetAssetsFundBalances>
      <TotalLiabNetAssetsFundBalances>
        <BOY>10795262</BOY>
        <EOY>11364604</EOY>
      </TotalLiabNetAssetsFundBalances>
      <ReconcilationRevenueExpenses>-77345</ReconcilationRevenueExpenses>
      <ReconcilationOtherChanges>0</ReconcilationOtherChanges>
      <MethodOfAccountingAccrual>X</MethodOfAccountingAccrual>
      <AccountantCompileOrReview>0</AccountantCompileOrReview>
      <FSAudited>0</FSAudited>
      <FederalGrantAuditRequired>0</FederalGrantAuditRequired>
    </IRS990>
    <IRS990ScheduleD documentId="RetDoc1040000001">
      <Land>
        <OtherCostOrOtherBasis>84759</OtherCostOrOtherBasis>
        <BookValue>84759</BookValue>
      </Land>
      <Buildings>
        <OtherCostOrOtherBasis>318379</OtherCostOrOtherBasis>
        <Depreciation>255459</Depreciation>
        <BookValue>62920</BookValue>
      </Buildings>
      <Equipment>
        <OtherCostOrOtherBasis>177872</OtherCostOrOtherBasis>
        <Depreciation>161790</Depreciation>
        <BookValue>16082</BookValue>
      </Equipment>
      <TotalOfBookValueLandBuildings>163761</TotalOfBookValueLandBuildings>
      <OtherSecurities>
        <Description>WISCUB</Description>
        <BookValue>100</BookValue>
        <MethodOfValuation>C</MethodOfValuation>
      </OtherSecurities>
      <OtherSecurities>
        <Description>CERTIFICATES AT BANKS</Description>
        <BookValue>2478000</BookValue>
        <MethodOfValuation>F</MethodOfValuation>
      </OtherSecurities>
      <OtherSecurities>
        <Description>CREDIT UNIONS</Description>
        <BookValue>996000</BookValue>
        <MethodOfValuation>C</MethodOfValuation>
      </OtherSecurities>
      <TotalOfBookValueSecurities>3474100</TotalOfBookValueSecurities>
      <OtherLiabilities>
        <Description>MEMBER SHARE BALANCES</Description>
        <Amount>9610990</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>ACCRUED DIVIDENDS</Description>
        <Amount>109460</Amount>
      </OtherLiabilities>
      <TotalOfAmounts>9720450</TotalOfAmounts>
      <TotalRevenue>504341</TotalRevenue>
      <TotalExpenses>581686</TotalExpenses>
      <ExcessOrDeficitForYear>-77345</ExcessOrDeficitForYear>
      <ExcessOrDeficitPerFS>-77345</ExcessOrDeficitPerFS>
    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="RetDoc1044400001">
      <GeneralExplanation>
        <Identifier>FORM 990, PART VI, SECTION A, LINE 6</Identifier>
        <Explanation>THE MEMBERS CONSIST OF ANYONE WHO HOLDS AN ACCOUNT.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>FORM 990, PART VI, SECTION A, LINE 7A</Identifier>
        <Explanation>THERE IS AN ANNUAL MEETING WHERE MEMBERS ARE FREE TO COME AND VOTE FOR THE BOARD OF DIRECTORS.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>FORM 990, PART VI, SECTION B, LINE 11</Identifier>
        <Explanation>FORM 990 IS REVIEWED BY THE PRESIDENT.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION B, LINE 12C</ReturnReference>
        <Explanation>REVIEWED BY THE BOARD</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION B, LINE 15</ReturnReference>
        <Explanation>REVIEWED BY THE BOARD</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION C, LINE 19</ReturnReference>
        <Explanation>ANNUAL MEETING BROCHURE</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>