MERITRUST CREDIT UNION: Form 990, tax year 2010

View the entire original 990 at ProPublica ↗

Organization: MERITRUST CREDIT UNION (EIN 48-0570799)
Tax period: 2010-01-01 to 2010-12-31
Filed: 2011-08-11
IRS object ID: 201112239349300301
Schema version: 2010v3.4
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 J
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2011-08-11T04:42:22-00:00	Timestamp
Tax Period End Date	2010-12-31	TaxPeriodEndDate

Preparer Firm PreparerFirm

Preparer Firm Business Name PreparerFirmBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	ORTH CHAKLER MURNANE AND CO CPAs	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	12060 SW 129 COURT SUITE 201	AddressLine1
City	MIAMI	City
State	FL	State
ZIP Code	33186	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnType
Tax Period Begin Date	2010-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	480570799	EIN

Name Name

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

Field	Value	IRS element (for citing)
Name Control	MERI	NameControl
Phone	3166831199	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	8710 EAST 32nd STREET NORTH	AddressLine1
City	WICHITA	City
State	KS	State
ZIP Code	67226	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	MAHLON MCCALEB	Name
Title	CFO	Title
Phone	3166831199	Phone
Date Signed	2011-08-10	DateSigned
Authorize Third Party	true	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	DOUGLAS ORTH	Name
Phone	3052328272	Phone
Date Prepared	2011-08-10	DatePrepared

Field	Value	IRS element (for citing)
Tax Year	2010	TaxYear
Build TS	2016-02-24 21:20:13Z	BuildTS

Form 990 IRS990

Doing Business As DoingBusinessAs

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

Name Of Principal Officer Business NameOfPrincipalOfficerBusiness

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

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	8710 EAST 32ND STREET NORTH	AddressLine1
City	WICHITA	City
State	KS	State
ZIP Code	67226	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	49371127	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
Organization501c	X	Organization501c
Web Site	WWW.MERITRUSTCU.ORG	WebSite
Type Of Organization Other	X	TypeOfOrganizationOther
Type Of Org Other Description	CREDIT UNION	TypeOfOrgOtherDescription
Year Formation	1936	YearFormation
State Legal Domicile	KS	StateLegalDomicile
Activity Or Mission Description	MERITRUST CREDIT UNION IS A MEMBER-OWNED NOT-FOR-PROFIT FINANCIAL COOPERATIVE WHICH EXISTS TO PROVIDE FINANCIAL SERVICES WHILE MAINTAINING THE HIGHEST ETHICAL STANDARDS. SAFE MANAGEMENT OF OUR MEMBERS' ASSETS IS OUR MAIN OBJECTIVE AND WE WILL MANAGE OUR BUSINESS IN AN ECONOMICALLY SOUND MANNER. MERITRUST CREDIT UNION IS A MEMBER-OWNED NOT-FOR-PROFIT FINANCIAL COOPERATIVE WHICH EXISTS TO PROVIDE FINANCIAL SERVICES WHILE MAINTAINING THE HIGHEST ETHICAL STANDARDS. SAFE MANAGEMENT OF OUR MEMBERS ASSETS IS OUR MAIN OBJECTIVE AND WE WILL MANAGE OUR BUSINESS IN AN ECONOMICALLY SOUND MANNER.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	5	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	5	NbrIndependentVotingMembers
Total Nbr Employees	271	TotalNbrEmployees
Total Nbr Volunteers	14	TotalNbrVolunteers
Total Gross UBI	314986	TotalGrossUBI
Net Unrelated Business Txbl Income	-46836	NetUnrelatedBusinessTxblIncome
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	43732157	ProgramServiceRevenuePriorYear
Program Service Revenue CY	42145871	ProgramServiceRevenueCY
Investment Income Prior Year	4341417	InvestmentIncomePriorYear
Investment Income Current Year	2654689	InvestmentIncomeCurrentYear
Other Revenue Prior Year	3131045	OtherRevenuePriorYear
Other Revenue Current Year	3977982	OtherRevenueCurrentYear
Total Revenue Prior Year	51204619	TotalRevenuePriorYear
Total Revenue Current Year	48778542	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	11129052	SalariesEtcPriorYear
Salaries Etc Current Year	11758842	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	37782661	OtherExpensePriorYear
Other Expenses Current Year	30241306	OtherExpensesCurrentYear
Total Expenses Prior Year	48911713	TotalExpensesPriorYear
Total Expenses Current Year	42000148	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	2292906	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	6778394	RevenuesLessExpensesCY
Total Assets BOY	658349405	TotalAssetsBOY
Total Assets EOY	698186847	TotalAssetsEOY
Total Liabilities BOY	596951252	TotalLiabilitiesBOY
Total Liabilities EOY	629145899	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	61398153	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	69040948	NetAssetsOrFundBalancesEOY
Info In Schedule O Part III	X	InfoInScheduleOPartIII
Mission Description	MERITRUST CREDIT UNION IS A MEMBER-OWNED NOT-FOR-PROFIT FINANCIAL COOPERATIVE WHICH EXISTS TO PROVIDE FINANCIAL SERVICES WHILE MAINTAINING THE HIGHEST ETHICAL STANDARDS. SAFE MANAGEMENT OF OUR MEMBERS ASSETS IS OUR MAIN OBJECTIVE AND WE WILL MANAGE OUR BUSINESS IN AN ECONOMICALLY SOUND MANNER.	MissionDescription
Significant New Program Services	true	SignificantNewProgramServices
Significant Change	false	SignificantChange
Expense	42000148	Expense
Revenue	48778542	Revenue
Description	INCOME FROM THE CREDIT UNION MEMBERSHIP AND INVESTMENT OF MEMBERS FUNDS PROVIDE THE FOUNDATION FROM WHICH THE ORGANIZATION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP.	Description
Total Program Service Expense	42000148	TotalProgramServiceExpense
Described In501 C3	false	DescribedIn501C3
Schedule B Required	false	ScheduleBRequired
Political Activities	false	PoliticalActivities
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	true	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	true	ScheduleJRequired
Tax Exempt Bonds	false	TaxExemptBonds
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	true	RelatedEntity
Related Org Controlled Entity	true	RelatedOrgControlledEntity
Transaction Related Entity	true	TransactionRelatedEntity
Activities Conducted Partnership	false	ActivitiesConductedPartnership
Schedule O Required	true	ScheduleORequired
Number Forms Transmitted With1096	13286	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Number Of Employees	271	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
Non Deductible Contributions	false	NonDeductibleContributions
Indoor Tanning Services	false	IndoorTanningServices
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	5	NbrVotingGoverningBodyMembers
Number Independent Voting Members	5	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	false	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	true	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	true	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	true	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	true	RegularMonitoringEnforcement
Whistleblower Policy	true	WhistleblowerPolicy
Document Retention Policy	true	DocumentRetentionPolicy
Compensation Process CEO	true	CompensationProcessCEO
Compensation Process Other	true	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	ROBERT CORWIN	NamePerson
Telephone Number	3166831199	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	8710 EAST 32 STREET NORTH	AddressLine1
City	WICHITA	City
State	KS	State
ZIP Code	67226	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (13 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer	Key EmployeeKeyEmployee	Highest Compensated EmployeeHighestCompensatedEmployee
MARCI JOHNSON
CHAIRMAN	007.00	X	2602	0	0
STEVE DUNN
V. CHAIRMAN	007.00	X	9199	0	0
RICK DODDS
SECRETARY/TREASURER	007.00	X	1281	0	0
KEN GRETEMAN
DIRECTOR	007.00	X	1286	0	0
DUANE VAN CAMP
DIRECTOR	007.00	X	1569	0	0
ROBERT CORWIN
PRESIDENT/CEO	040.00		314285	0	9541	X
MAHLON MCCALEB
CFO	040.00		207386	0	8957	X
WADE BRUENDL
SENIOR VP OPERATIONS	040.00		168156	0	11934		X
BRIAN DAVIDSON
SENIOR VP LENDING	040.00		145029	0	9151		X
STEPHANIE FARBER
SENIOR VP QUALITY INITIATIVES	040.00		147241	0	10821		X
EVAN WILSON
CUSO DIRECTOR	040.00		126693	0	9815			X
ANGELA BACK
DIRECTOR OF COMMERCIAL LENDING	040.00		105917	0	5254			X
BYRON STOUT
VP HUMAN RESOURCES	040.00		101393	0	3529			X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	1332037	TotalReportableCompFromOrg
Total Other Compensation	69002	TotalOtherCompensation
Number Individuals GT100 K	8	NumberIndividualsGT100K
Formers Listed	false	FormersListed
Total Comp GT150 K	true	TotalCompGT150K
Compensation From Other Sources	false	CompensationFromOtherSources

Contractor Compensation ContractorCompensation (5 entries)

Address Line1AddressOfContractor/AddressUS/AddressLine1	CityAddressOfContractor/AddressUS/City	StateAddressOfContractor/AddressUS/State	ZIP CodeAddressOfContractor/AddressUS/ZIPCode	Description Of ServicesDescriptionOfServices	CompensationCompensation
FRIESEN
7223 E SHOAL CREEK	WICHITA	KS	67226	ADVERTISING	861216
TECHNICAL PROGRAMMING
5544 104TH EAST AVENUE	TULSA	OK	74146	MEMBER STATEMENTS	357657
DIEBOLD INC
PO BOX 643543	PITTSBURG	PA	15264	SERVICE ATMS	318391
BRUCE BRUCE AND LEHMAN
PO BOX 75037	WICHITA	KS	67275	COLLECTION ATTORNEY	212301
TRANSUNION
PO BOX 99506	CHICAGO	IL	60693	CREDIT REPORTS	182807

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	12	NumberOfContractorsGT100K

Program Service Revenue ProgramServiceRevenue (4 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	Unrelated Business RevenueUnrelatedBusinessRevenue
INCOME FROM LOANS	522100	37259443	37259443
FEES/CHARGES	522100	4571442	4571442
UNRELATED INVESTMENT AND ATM INCOME	523000	281779		281779
UNRELATED WARRANTY INCOME	524298	33207		33207

Field	Value	IRS element (for citing)
Total Program Service Revenue	42145871	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	2944033	TotalRevenueColumn
Related Or Exempt Function Income	2944033	RelatedOrExemptFunctionIncome

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Other	303241	Other

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Other	592585	Other

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Other	-289344	Other

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	-289344	TotalRevenueColumn
Related Or Exempt Function Income	-289344	RelatedOrExemptFunctionIncome

Other Revenue Misc OtherRevenueMisc

Field	Value	IRS element (for citing)
Description	MISCELLANEOUS INCOME	Description
Business Code	522100	BusinessCode
Total Revenue Column	3977982	TotalRevenueColumn
Related Or Exempt Function Income	3977982	RelatedOrExemptFunctionIncome

Field	Value	IRS element (for citing)
Total Other Revenue	3977982	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	48778542	TotalRevenueColumn
Related Or Exempt Function Income	48463556	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	314986	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	1401039	Total
Program Services	1401039	ProgramServices

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	7794409	Total
Program Services	7794409	ProgramServices

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	505129	Total
Program Services	505129	ProgramServices

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	1324879	Total
Program Services	1324879	ProgramServices

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	733386	Total
Program Services	733386	ProgramServices

Fees For Services Management FeesForServicesManagement

Field	Value	IRS element (for citing)
Total	132620	Total
Program Services	132620	ProgramServices

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	63640	Total
Program Services	63640	ProgramServices

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	107890	Total
Program Services	107890	ProgramServices

Fees For Services Lobbying FeesForServicesLobbying

Field	Value	IRS element (for citing)
Total	0	Total

Field	Value	IRS element (for citing)
Fees For Services Prof Fundraising		FeesForServicesProfFundraising

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	395685	Total
Program Services	395685	ProgramServices

Advertising Advertising

Field	Value	IRS element (for citing)
Total	1601953	Total
Program Services	1601953	ProgramServices

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	2844828	Total
Program Services	2844828	ProgramServices

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	627153	Total
Program Services	627153	ProgramServices

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	1600703	Total
Program Services	1600703	ProgramServices

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	192961	Total
Program Services	192961	ProgramServices

Interest Interest

Field	Value	IRS element (for citing)
Total	10449907	Total
Program Services	10449907	ProgramServices

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	2173172	Total
Program Services	2173172	ProgramServices

Insurance Insurance

Field	Value	IRS element (for citing)
Total	173774	Total
Program Services	173774	ProgramServices

Other Expenses OtherExpenses

Field	Value	IRS element (for citing)
Description	SEE ATTACHED SCHEDULE	Description
Total	9877020	Total
Program Services	9877020	ProgramServices

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	0	Total

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	42000148	Total
Program Services	42000148	ProgramServices

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	46983098	BOY
EOY	50604260	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	17023880	BOY
EOY	4910703	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	3498176	BOY
EOY	3245464	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	481626059	BOY
EOY	524588603	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	3708475	BOY
EOY	976524	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	37882095	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	12827264	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	25923506	BOY
EOY	25054831	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	68943745	BOY
EOY	76079212	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	10642466	BOY
EOY	12727250	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	658349405	BOY
EOY	698186847	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	7144480	BOY
EOY	7650397	EOY

Mort Notes Pybl Secured Invest Prop MortNotesPyblSecuredInvestProp

Field	Value	IRS element (for citing)
BOY	49628574	BOY
EOY	45900000	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	540178198	BOY
EOY	575595502	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	596951252	BOY
EOY	629145899	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	61398153	BOY
EOY	69040948	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	61398153	BOY
EOY	69040948	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	658349405	BOY
EOY	698186847	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	6778394	ReconcilationRevenueExpenses
Reconcilation Other Changes	864401	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	false	AccountantCompileOrReview
FS Audited	true	FSAudited
Audit Committee	true	AuditCommittee
Financial Statement Consolidated	X	FinancialStatementConsolidated
Federal Grant Audit Required	false	FederalGrantAuditRequired

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Included On FS	false	IncludedOnFS

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	5535491	OtherCostOrOtherBasis
Book Value	5535491	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	18114169	OtherCostOrOtherBasis
Depreciation	3091060	Depreciation
Book Value	15023109	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	846409	OtherCostOrOtherBasis
Depreciation	574815	Depreciation
Book Value	271594	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	13386026	OtherCostOrOtherBasis
Depreciation	9161389	Depreciation
Book Value	4224637	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	25054831	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities (5 entries)

DescriptionDescription	AmountAmount
SHARE DRAFTS	$90,001,795
SHARES	$102,077,424
MONEY MARKET ACCOUNTS	$74,302,168
IRA SHARES	$60,157,110
SHARE AND IRA CERTIFICATES	$249,057,005

Field	Value	IRS element (for citing)
Total Of Amounts	575595502	TotalOfAmounts
Total Revenue	48778542	TotalRevenue
Total Expenses	42000148	TotalExpenses
Excess Or Deficit For Year	6778394	ExcessOrDeficitForYear
Net Unrealized GL On Investments	617100	NetUnrealizedGLOnInvestments
Other	$247,301	OtherAmount
Total Adjustments	864401	TotalAdjustments
Excess Or Deficit Per FS	7642795	ExcessOrDeficitPerFS

Form990 Schedule D Part XIV Form990ScheduleDPartXIV (2 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
XI	8	RECLASSIFICATION ADJUSTMENT FOR GAINS FROM SALE DEFERRED COMPENSATION PLAN ASSETS OF 102,240 PLUS NET PENSION GAINS OF 349,541 TOTALING 247,301.
X	2	FIN 48 IS NOT APPLICABLE.

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Survey	X	CompensationSurvey
Severance Payment	false	SeverancePayment
Supplemental Nonqual Retire Plan	false	SupplementalNonqualRetirePlan
Equity Based Comp Arrangement	false	EquityBasedCompArrangement

Form990 Schedule J Part II Form990ScheduleJPartII (5 entries)

Base Compensation Filing OrgBaseCompensationFilingOrg	Bonus Filing OrgBonusFilingOrg	Deferred Comp Filing OrgDeferredCompFilingOrg	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrg	Total Compensation Filing OrgTotalCompensationFilingOrg
ROBERT CORWIN
291285	23000	5549	3992	323826
MAHLON MCCALEB
197086	10300	4958	3999	216343
WADE BRUENDL
160106	8050	8199	3735	180090
BRIAN DAVIDSON
138229	6800	5606	3545	154180
STEPHANIE FARBER
140041	7200	7214	3607	158062

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (8 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
Form 990 Part VI	6	THE CREDIT UNION HAS MEMBERS.
Form 990 Part VI	7A	THE CREDIT UNION MEMBERSHIP MAY PARTICIPATE IN THE ELECTION OF OFFICIALS.
Form 990 Part VI	11B	THE CFO IS RESPONSIBLE FOR THE PREPARATION OF THE RETURN. THE RETURN IS REVIEWED BY THE CREDIT UNIONS CFO AND CONTROLLER. ONCE ALL PARTIES HAVE COMPLETED THEIR REVIEW AND ANY NECESSARY CORRECTIONS ARE COMPLETED, THE RETURN IS FILED.
Form 990 Part VI	12C	IDENTIFYING CONFLICTS ON INTEREST AND ENSURING SEPARATION OF DUTIES ARE ADDRESSED BY SYSTEM CONTROLS, INTERNAL POLICIES AND PROCEDURES, AND AUDITED DURING ROUTINE AUDITS THROUGHOUT THE YEAR BY INTERNAL AUDIT STAFF UNDER THE DIRECTION OF THE SUPERVISORY COMMITTEE.
Form 990 Part VI	15AB	INDUSTRY DATA FROM GROUP CUES, CUNA, AND CALLAHAN ASSOCIATES IS USED AS WELL AS PEER REVIEWS.
Form 990 Part VI	19	GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICIES ARE NOT MADE AVAILABLE TO THE PUBLIC. FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC ON THE NCUAS WEBSITE VIA THE 5300 CALL REPORT FILING.
Form 990 Part III	2	MERITRUST HAS PARTNERED WITH FIRST LINE INSURANCE SERVICES TO PROVIDE INSURANCE PRODUCTS HOME, BUSINESS, AUTO, LIFE TO EMPLOYEES AND MEMBERS.
Form 990 Part XI	5	RECLASSIFICATION ADJUSTMENT FOR GAINS FROM SALE DEFERRED COMPENSATION PLAN ASSETS OF 102,240 PLUS NET PENSION GAINS OF 349,541 PLUS UNREALIZED GAINS OF 617,100 TOTALING 864,401.

Schedule R IRS990ScheduleR

Form990 Schedule R Part IV Form990ScheduleRPartIV

Name Of Related Org NameOfRelatedOrg

Field	Value	IRS element (for citing)
Business Name Line1	CUSTOM FINANCIAL RESOURCES INC	BusinessNameLine1

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	8710 E 32ND STREET NORTH	AddressLine1
City	WICHITA	City
State	KS	State
ZIP Code	67226	ZIPCode

Field	Value	IRS element (for citing)
EIN	481231931	EIN
Primary Activity	FINANCIAL	PrimaryActivity
Legal Domicile State	KS	LegalDomicileState

Direct Controlling Entity Name DirectControllingEntityName

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

Field	Value	IRS element (for citing)
Type Of Entity	C Corp	TypeOfEntity
Share Of Total Income	87668	ShareOfTotalIncome
Share Of EOY Assets	293440	ShareOfEOYAssets
Percentage Ownership	1.00000	PercentageOwnership

Field	Value	IRS element (for citing)
Receipt Of Int Ann Rents Royalties	false	ReceiptOfIntAnnRentsRoyalties
Gift Grant Or Cap Contr To Other Org	false	GiftGrantOrCapContrToOtherOrg
Gift Grant Or Cap Contr Fr Other Org	false	GiftGrantOrCapContrFrOtherOrg
Loans Or Guarantees To Other Org	false	LoansOrGuaranteesToOtherOrg
Loans Or Guarantees From Other Org	false	LoansOrGuaranteesFromOtherOrg
Sale Of Assets To Other Org	false	SaleOfAssetsToOtherOrg
Purchase Of Assets From Other Org	false	PurchaseOfAssetsFromOtherOrg
Exchange Of Assets	false	ExchangeOfAssets
Rental Of Facilities To Other Orgs	false	RentalOfFacilitiesToOtherOrgs
Rental Of Facilities Fr Other Orgs	false	RentalOfFacilitiesFrOtherOrgs
Perform Of Services For Other Orgs	false	PerformOfServicesForOtherOrgs
Perform Of Services By Other Orgs	false	PerformOfServicesByOtherOrgs
Sharing Of Facilities	true	SharingOfFacilities
Sharing Of Paid Employees	true	SharingOfPaidEmployees
Reimbursement Paid To Other Org	false	ReimbursementPaidToOtherOrg
Reimbursement Paid By Other Org	false	ReimbursementPaidByOtherOrg
Other Transfer To Other Org	false	OtherTransferToOtherOrg
Other Transfer From Other Org	false	OtherTransferFromOtherOrg

Transactions Related Orgs Table TransactionsRelatedOrgsTable (2 entries)

Transaction TypeTransactionType	Amount InvolvedAmountInvolved	Method Of Amt DeterminationMethodOfAmtDetermination
MERITRUST CREDIT UNION
m	6000	ESTIMATE
MERITRUST CREDIT UNION
n	61000	ESTIMATE