CREDIT UNIONS IN THE STATE OF NEW MEXICO: Form 990, tax year 2010

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS IN THE STATE OF NEW MEXICO (EIN 85-0102571)
Tax period: 2010-01-01 to 2010-12-31
Filed: 2011-11-25
IRS object ID: 201113299349300601
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

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2011-11-25T16:59:50-06:00	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	MASTERS SCHWARTZ & COLE LLC	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	11776 W SAMPLE RD STE 106	AddressLine1
City	CORAL SPRINGS	City
State	FL	State
ZIP Code	330655060	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	850102571	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	CREDIT UNIONS IN THE STATE OF NEW M	BusinessNameLine1
Business Name Line2	FIRST FINANCIAL CREDIT UNION	BusinessNameLine2

Field	Value	IRS element (for citing)
Name Control	CRED	NameControl
Phone	5054621115	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	601 TIJERAS NW	AddressLine1
City	ALBUQUERQUE	City
State	NM	State
ZIP Code	87102	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	BEN HEYWARD	Name
Title	PRESIDENT	Title
Phone	5054621115	Phone
Date Signed	2011-11-15	DateSigned
Authorize Third Party	true	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	DANIEL J COLE	Name
Phone	9547551760	Phone
Date Prepared	2011-11-25	DatePrepared

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

Form 990 IRS990

Field	Value	IRS element (for citing)
Name Of Principal Officer Person	BEN HAYWARD	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	601 TIJERAS NW	AddressLine1
City	ALBUQUERQUE	City
State	NM	State
ZIP Code	87102	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	24444907	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
Organization501c	X	Organization501c
Web Site	WWW.FFNM.COM	WebSite
Type Of Organization Corporation	X	TypeOfOrganizationCorporation
Year Formation	1937	YearFormation
State Legal Domicile	NM	StateLegalDomicile
Activity Or Mission Description	FIRST FINANCIAL CREDIT UNION IS A COOPERATIVE, NOT-FOR-PROFIT FINANCIAL INSTITUTION ORGANIZED TO PROMOTE THRIFT AND PROVIDE CREDIT TO MEMBERS; AT ADVANTAGES RATES OVER THOSE GENERALLY AVAILABLE FROM OTHER BANKING SOURCES.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	9	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	9	NbrIndependentVotingMembers
Total Nbr Employees	225	TotalNbrEmployees
Total Nbr Volunteers	5	TotalNbrVolunteers
Total Gross UBI	4850	TotalGrossUBI
Net Unrelated Business Txbl Income	-450	NetUnrelatedBusinessTxblIncome
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	28877810	ProgramServiceRevenuePriorYear
Program Service Revenue CY	23963779	ProgramServiceRevenueCY
Investment Income Prior Year	506896	InvestmentIncomePriorYear
Investment Income Current Year	481128	InvestmentIncomeCurrentYear
Other Revenue Current Year	0	OtherRevenueCurrentYear
Total Revenue Prior Year	29384706	TotalRevenuePriorYear
Total Revenue Current Year	24444907	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	8714809	SalariesEtcPriorYear
Salaries Etc Current Year	9379082	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	20418693	OtherExpensePriorYear
Other Expenses Current Year	20174724	OtherExpensesCurrentYear
Total Expenses Prior Year	29133502	TotalExpensesPriorYear
Total Expenses Current Year	29553806	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	251204	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	-5108899	RevenuesLessExpensesCY
Total Assets BOY	383634910	TotalAssetsBOY
Total Assets EOY	353536331	TotalAssetsEOY
Total Liabilities BOY	345459117	TotalLiabilitiesBOY
Total Liabilities EOY	320463435	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	38175793	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	33072896	NetAssetsOrFundBalancesEOY
Mission Description	FIRST FINANCIAL CREDIT UNION IS A COOPERATIVE, NOT-FOR-PROFIT FINANCIAL INSTITUTION ORGANIZED TO PROMOTE THRIFT AND PROVIDE CREDIT TO MEMBERS; AT ADVANTAGES RATES OVER THOSE GENERALLY AVAILABLE FROM OTHER BANKING SOURCES.	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Description	INTEREST IS CHARGED AT MARKET RATES TO MEMBERS TO PROVIDE REVENUE TO PAY FOR THE COST OF THE FUNDS.	Description

Activity2 Activity2

Field	Value	IRS element (for citing)
Description	FEES AND CHARGES ARE ASSESSED TO MEMBERS FOR FINANCIAL SERVICES. THESE FEES GENERATE THE REVENUE NECESSARY TO PAY THE COSTS TO PROVIDE THESE SERVICES.	Description

Activity3 Activity3

Field	Value	IRS element (for citing)
Description	EARNINGS FROM THE INVESTMENTS. THE EXCESS OF FUNDS RECEIVED FROM MEMBERS, OVER THE AMOUNT LOANDED TO MEMBERS, AS WELL AS ACCUMULATED SURPLUSE, IS INVESTED IN SECURITIES ALLOWED BY THE NCUA, AND THE CREDIT UNION'S GOVERNING DOCUMENTS.	Description

Field	Value	IRS element (for citing)
Described In501 C3	false	DescribedIn501C3
Schedule B Required	false	ScheduleBRequired
Political Activities	false	PoliticalActivities
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	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	false	RelatedEntity
Related Org Controlled Entity	false	RelatedOrgControlledEntity
Transaction Related Entity	false	TransactionRelatedEntity
Activities Conducted Partnership	false	ActivitiesConductedPartnership
Schedule O Required	true	ScheduleORequired
Number Forms Transmitted With1096	50097	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	true	ComplianceWithBackupWitholding
Number Of Employees	225	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	9	NbrVotingGoverningBodyMembers
Number Independent Voting Members	9	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	false	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	true	OfficerMailingAddress
Local Chapters	true	LocalChapters
Policies Reference Chapters	true	PoliciesReferenceChapters
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	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	RONALD MOOREHEARD	NamePerson
Telephone Number	5054621119	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	601 TIJERAS NW	AddressLine1
City	ALBUQUERQUE	City
State	NM	State
ZIP Code	87102	ZIPCode

Field	Value	IRS element (for citing)
No Listed Persons Compensated	X	NoListedPersonsCompensated

Form990 Part VII Section A Form990PartVIISectionA (16 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	FormerFormer
CATHY THOMAS
DIRECTOR	5.00	X	0	0	0
JOHN BLUMENTHAL
DIRECTOR	5.00	X	0	0	0
KENNETH CARSON SR
DIRECTOR	5.00	X	0	0	0
VINCENT ESPARZA
DIRECTOR	5.00	X	0	0	0
LORETTA MONTOYA
DIRECTOR	5.00	X	0	0	0
CASSIE KELLEY
CHAIRPERSON	5.00		0	0	0	X
PABLO RAEL
1ST VICE CHR	5.00		0	0	0	X
VICTOR PADILLA
2ND VICE CHR	5.00		0	0	0	X
JOHN SECHRIST
SECRETARY	5.00		0	0	0	X
BEN HEYWARD
PRESIDENT	50.00		297643	0	38325		X
MARIE SHRAKE
VICE PRESIDE	45.00		161557	0	11775			X
RONALD MOOREHEAD
CHIEF FIN OF	45.00		136550	0	10215			X
PAMELA MYERS
VP OF LENDIN	40.00		117035	0	11225			X
GINGER CHOUINARD
CHIEF ADMIN	45.00		106088	0	13401			X
JEFFREY MCDANIEL
FORMER PRESI	0.00		0	0	133092				X
RICK J HARBAUGH
FORMER CFO	0.00		0	0	40848				X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	818873	TotalReportableCompFromOrg
Total Other Compensation	258881	TotalOtherCompensation
Number Individuals GT100 K	5	NumberIndividualsGT100K
Formers Listed	true	FormersListed
Total Comp GT150 K	true	TotalCompGT150K
Compensation From Other Sources	false	CompensationFromOtherSources

Contractor Compensation ContractorCompensation

Name Of Contractor NameOfContractor

Field	Value	IRS element (for citing)
Name Person	DEBORAH SELIGMAN	NamePerson

Address Of Contractor AddressOfContractor

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	PO BOX 7806	AddressLine1
City	ALBAQUERQUE	City
State	NM	State
ZIP Code	871947806	ZIPCode

Field	Value	IRS element (for citing)
Description Of Services	ATTORNEY	DescriptionOfServices
Compensation	216946	Compensation

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	1	NumberOfContractorsGT100K

Program Service Revenue ProgramServiceRevenue (5 entries)

DescriptionDescription	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	Business CodeBusinessCode	Unrelated Business RevenueUnrelatedBusinessRevenue
LOAN INTEREST	16643748	16643748
FEES AND CHARGES	5063366	5063366
OTHER NON OPERATING INCOME	2150208	2150208
MISC	101607	101607
NON-MEMBER ATM FEES	4850		525990	4850

Field	Value	IRS element (for citing)
Total Program Service Revenue	23963779	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	481128	TotalRevenueColumn
Related Or Exempt Function Income	481128	RelatedOrExemptFunctionIncome

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	24444907	TotalRevenueColumn
Related Or Exempt Function Income	24440057	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	4850	UnrelatedBusinessRevenue

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	439070	Total

Comp Disqual Persons CompDisqualPersons

Field	Value	IRS element (for citing)
Total	173940	Total

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	8766072	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	1276992	Total

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	136465	Total

Interest Interest

Field	Value	IRS element (for citing)
Total	3317466	Total

Insurance Insurance

Field	Value	IRS element (for citing)
Total	836898	Total

Other Expenses OtherExpenses (5 entries)

DescriptionDescription	TotalTotal
LOSS SALE FIXED ASSETS	4239535
PROVISIONS FOR LOAN LOSSE	3867552
OFFICE OPERATIONS	2508240
MISC OPERATING EXP	1453285
PROFESSIONAL FEES	1422117

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	1116174	Total

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	29553806	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	5024827	BOY
EOY	9662071	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	60713819	BOY
EOY	3065179	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
EOY	2343920	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	260965248	BOY
EOY	254779438	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	14425605	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	8048562	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	6458891	BOY
EOY	6377043	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	30199975	BOY
EOY	65016157	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	20272150	BOY
EOY	12292523	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	383634910	BOY
EOY	353536331	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	2430635	BOY
EOY	2544837	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	343028482	BOY
EOY	317918598	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	345459117	BOY
EOY	320463435	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	38175793	BOY
EOY	33072896	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	38175793	BOY
EOY	33072896	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	383634910	BOY
EOY	353536331	EOY

Field	Value	IRS element (for citing)
Reconcilation Revenue Expenses	-5108899	ReconcilationRevenueExpenses
Reconcilation Other Changes	6002	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	true	AccountantCompileOrReview
FS Audited	true	FSAudited
Audit Committee	true	AuditCommittee
Financial Statement Consolidated	X	FinancialStatementConsolidated
Federal Grant Audit Required	true	FederalGrantAuditRequired
Federal Grant Audit Performed	true	FederalGrantAuditPerformed

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Disclosed Orgs Legal Control	false	DisclosedOrgsLegalControl
Disclosed For Charitable Purposes	false	DisclosedForCharitablePurposes
Written Policy Monitoring	false	WrittenPolicyMonitoring
Sect170h Requirements Satisfied	false	Sect170hRequirementsSatisfied
Solicited Assets For Sale	false	SolicitedAssetsForSale
Agent Trustee Etc	false	AgentTrusteeEtc
Included On FS	false	IncludedOnFS
Endowments Held By Unrelated Orgs	false	EndowmentsHeldByUnrelatedOrgs
Endowments Held By Related Orgs	false	EndowmentsHeldByRelatedOrgs
Are Related Orgs Listed Schedule R	false	AreRelatedOrgsListedScheduleR

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	1831613	OtherCostOrOtherBasis
Book Value	1831613	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	2115460	OtherCostOrOtherBasis
Depreciation	734527	Depreciation
Book Value	1380933	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	3524534	OtherCostOrOtherBasis
Depreciation	2164298	Depreciation
Book Value	1360236	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	6953998	OtherCostOrOtherBasis
Depreciation	5149737	Depreciation
Book Value	1804261	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	6377043	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
Description	MEMBER SHARES	Description
Amount	$317,918,598	Amount

Field	Value	IRS element (for citing)
Total Of Amounts	317918598	TotalOfAmounts
Total Revenue	24444907	TotalRevenue
Total Expenses	29553806	TotalExpenses
Excess Or Deficit For Year	-5108899	ExcessOrDeficitForYear
Excess Or Deficit Per FS	-5108899	ExcessOrDeficitPerFS
Tot Revenue Etc Audited Fincl Stmt	24444907	TotRevenueEtcAuditedFinclStmt
Revenue Subtotal	24444907	RevenueSubtotal
Total Revenue Per Form990	24444907	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	29553806	TotExpensesEtcAuditedFinclStmt
Expenses Subtotal	29553806	ExpensesSubtotal
Total Expenses Per Form990	29553806	TotalExpensesPerForm990

Schedule J IRS990ScheduleJ

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

Form990 Schedule J Part II Form990ScheduleJPartII (4 entries)

Base Compensation Filing OrgBaseCompensationFilingOrg	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrg	Total Compensation Filing OrgTotalCompensationFilingOrg	Deferred Comp Filing OrgDeferredCompFilingOrg
BEN HEYWARD
297643	38325	335968
MARIE SHRAKE
161557	11775	173332
JEFFREY MCDANIEL
		133092	133092
RICK J HARBAUGH
		40848	40848

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (9 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
EXPLANATION ON VOLUNTEERS AND TYPES OF SERVICES OR BENEFITS	FORM 990, PAGE 1, PART I, LINE 6	THE VOLUNTEERS FORM THE SUPERVISORY COMMITTEE WHICH OVERSEAS THE ELECTION OF THE BOARD OF DIRECTORS AND ALSO REVIEWS THE AUDITS.
ELECTION OF MEMBERS AND THEIR RIGHTS	FORM 990, PAGE 6, PART VI, LINE 7A	YES THERE IS A PROCESS FOR THE ELECTION OF MEMBERS. THE MEMBER MUST FIRST MEET CERTAIN REQUIREMENTS SUCH AS LENGTH OF TIME OF MEMBERSHIP, UNDERSTANDING OF HOW A CREDIT UNION WORKS, AND THE SERVICES OFFERED. THEY ARE THEN ELECTED TO NOMINATION BY A NOMINATING COMMITTEE OF 3 PEOPLE AFTER BEING EVALUATED BY THE COMMITTEE. THE MEMBER MUST THEN BE VOTED ONTO THE CREDIT UNIONS BOARD OF DIRECTORS BY OTHER MEMBERS.
DECISIONS SUBJECT TO APPROVAL OF MEMBERS	FORM 990, PAGE 6, PART VI, LINE 7B	YES, CERTAIN DECISIONS WOULD BE APPROVED BY MEMBERSHIP.
OFFICERS WHO CANNOT BE REACHED	FORM 990, PAGE 6, PART VI, LINE 9	JEFFREY MCDANIEL RICK J HARBAUGH
ORGANIZATION'S PROCESS USED TO REVIEW FORM 990	FORM 990, PAGE 6, PART VI, LINE 11B	FORM 990 REVIEWED AT REGULARLY SCHEDULED BOARD MEETING.
ENFORCEMENT OF CONFLICTS POLICY	FORM 990, PAGE 6, PART VI, LINE 12C	YES, THE ENFORCEMENT OF A CONFLICTS OF INTEREST POLICY IS ACTIVELY CARRIED OUT BY THE ORGANIZATION. THE POLICY IS PRINTED IN THE EMPLOYEE HANDBOOK AND IS ALSO INTEGRATED INTO THE BOARD OF DIRECTORS POLICIES.
COMPENSATION PROCESS FOR TOP OFFICIAL	FORM 990, PAGE 6, PART VI, LINE 15A	YES, COMPENSATION FOR TOP OFFICALS IS SUBJECT TO REVIEW AND APPROVAL BY THE BOARD.
COMPENSATION PROCESS FOR OFFICERS	FORM 990, PAGE 6, PART VI, LINE 15B	YES, COMPENSATION FOR OFFICERS AND KEY EMPLOYEES IS SUBJECT TO REVIEW AND APPROVAL BY BOARD MEMBERS.
GOVERNING DOCUMENTS DISCLOSURE EXPLANATION	FORM 990, PAGE 6, PART VI, LINE 19	THE BOOKS ARE AVAILABLE TO THE PUBLIC TO REVIEW UPON REQUEST. THE CALL REPORT IS ALSO OPEN TO THE PUBLIC TO REVIEW AND IS PUBLUSHED ON THE NCUA WEBSITE. THE CURRENT MONTHS STATEMENT OF FINANCIAL POSITION IF HUNG IN THE LOBBY OF EACH BRANCH.