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    <Timestamp>2011-05-10T15:08:14-07:00</Timestamp>
    <TaxPeriodEndDate>2010-12-31</TaxPeriodEndDate>
    <ReturnType>990</ReturnType>
    <TaxPeriodBeginDate>2010-01-01</TaxPeriodBeginDate>
    <Filer>
      <EIN>741142771</EIN>
      <Name>
        <BusinessNameLine1>LCRA CREDIT UNION</BusinessNameLine1>
      </Name>
      <NameControl>LCRA</NameControl>
      <Phone>5124741562</Phone>
      <USAddress>
        <AddressLine1>3701 Lake Austin Blvd</AddressLine1>
        <City>Austin</City>
        <State>TX</State>
        <ZIPCode>78703</ZIPCode>
      </USAddress>
    </Filer>
    <Officer>
      <Name>Tim Lane</Name>
      <Title>Executive VP</Title>
      <Phone>5124741562</Phone>
      <DateSigned>2011-05-10</DateSigned>
    </Officer>
    <TaxYear>2010</TaxYear>
    <BuildTS>2016-02-24 21:20:13Z</BuildTS>
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        <State>TX</State>
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      <StateLegalDomicile>TX</StateLegalDomicile>
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        <BOY>0</BOY>
        <EOY>0</EOY>
      </EscrowAccountLiability>
      <LoansFromOfficersDirectors>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </LoansFromOfficersDirectors>
      <MortNotesPyblSecuredInvestProp>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </MortNotesPyblSecuredInvestProp>
      <UnsecuredNotesLoansPayable>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </UnsecuredNotesLoansPayable>
      <OtherLiabilities>
        <BOY>-2492</BOY>
      </OtherLiabilities>
      <TotalLiabilities>
        <BOY>1755</BOY>
        <EOY>127924</EOY>
      </TotalLiabilities>
      <DoNotFollowSFAS117>X</DoNotFollowSFAS117>
      <CapStckTrstPrinCurrentFunds>
        <BOY>16888978</BOY>
        <EOY>17695710</EOY>
      </CapStckTrstPrinCurrentFunds>
      <PaidInCapSrplsLandBldgEqpFund>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </PaidInCapSrplsLandBldgEqpFund>
      <RetainedEarningsEndowmentEtc>
        <BOY>2855085</BOY>
        <EOY>2866524</EOY>
      </RetainedEarningsEndowmentEtc>
      <TotalNetAssetsFundBalances>
        <BOY>19744063</BOY>
        <EOY>20562234</EOY>
      </TotalNetAssetsFundBalances>
      <TotalLiabNetAssetsFundBalances>
        <BOY>19745818</BOY>
        <EOY>20690158</EOY>
      </TotalLiabNetAssetsFundBalances>
      <InfoInScheduleOPartXI>X</InfoInScheduleOPartXI>
      <ReconcilationRevenueExpenses>11440</ReconcilationRevenueExpenses>
      <ReconcilationOtherChanges>806731</ReconcilationOtherChanges>
      <MethodOfAccountingAccrual>X</MethodOfAccountingAccrual>
      <AccountantCompileOrReview>1</AccountantCompileOrReview>
      <FSAudited>0</FSAudited>
      <AuditCommittee>1</AuditCommittee>
      <FinancialStatementSeparate>X</FinancialStatementSeparate>
      <FederalGrantAuditRequired>0</FederalGrantAuditRequired>
    </IRS990>
    <IRS990ScheduleD documentId="R000002" softwareId="10000077" softwareVersion="v1.00">
      <Land>
        <InvestmentCostOrOtherBasis>0</InvestmentCostOrOtherBasis>
        <OtherCostOrOtherBasis>0</OtherCostOrOtherBasis>
        <BookValue>0</BookValue>
      </Land>
      <Buildings>
        <InvestmentCostOrOtherBasis>0</InvestmentCostOrOtherBasis>
        <OtherCostOrOtherBasis>0</OtherCostOrOtherBasis>
        <Depreciation>0</Depreciation>
        <BookValue>0</BookValue>
      </Buildings>
      <LeaseholdImprovements>
        <InvestmentCostOrOtherBasis>47849</InvestmentCostOrOtherBasis>
        <OtherCostOrOtherBasis>0</OtherCostOrOtherBasis>
        <Depreciation>43546</Depreciation>
        <BookValue>4303</BookValue>
      </LeaseholdImprovements>
      <Equipment>
        <InvestmentCostOrOtherBasis>197089</InvestmentCostOrOtherBasis>
        <OtherCostOrOtherBasis>0</OtherCostOrOtherBasis>
        <Depreciation>168103</Depreciation>
        <BookValue>28986</BookValue>
      </Equipment>
      <OtherLandBuildings>
        <InvestmentCostOrOtherBasis>0</InvestmentCostOrOtherBasis>
        <OtherCostOrOtherBasis>0</OtherCostOrOtherBasis>
        <Depreciation>0</Depreciation>
        <BookValue>0</BookValue>
      </OtherLandBuildings>
      <TotalOfBookValueLandBuildings>33289</TotalOfBookValueLandBuildings>
      <InvestmentsProgramRelated>
        <Description>Federally Insured Time Certificates at Various Institutions</Description>
        <BookValue>4911000</BookValue>
        <MethodOfValuation>C</MethodOfValuation>
      </InvestmentsProgramRelated>
      <TotalOfBookValueProgramRelated>4911000</TotalOfBookValueProgramRelated>
    </IRS990ScheduleD>
    <IRS990ScheduleL documentId="R000003" softwareId="10000077" softwareVersion="v1.00">
      <LoanTable>
        <NamePerson>Ben Hayes</NamePerson>
        <PurposeOfLoan>Car loan</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>12683</OriginalPrincipalAmount>
        <BalanceDue>6202</BalanceDue>
        <Default>0</Default>
        <ApprovedByBoard>1</ApprovedByBoard>
        <WrittenAgreement>1</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>Ben Hayes</NamePerson>
        <PurposeOfLoan>car loan</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>11493</OriginalPrincipalAmount>
        <BalanceDue>8243</BalanceDue>
        <Default>0</Default>
        <ApprovedByBoard>1</ApprovedByBoard>
        <WrittenAgreement>1</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>Fred Lamoureaux</NamePerson>
        <PurposeOfLoan>car loan</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>22336</OriginalPrincipalAmount>
        <BalanceDue>21378</BalanceDue>
        <Default>0</Default>
        <ApprovedByBoard>1</ApprovedByBoard>
        <WrittenAgreement>1</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>Betty Mueller</NamePerson>
        <PurposeOfLoan>loan secured by Time Certificate</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>61275</OriginalPrincipalAmount>
        <BalanceDue>58169</BalanceDue>
        <Default>0</Default>
        <ApprovedByBoard>1</ApprovedByBoard>
        <WrittenAgreement>1</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>Rita Summy</NamePerson>
        <PurposeOfLoan>signature loan</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>12723</OriginalPrincipalAmount>
        <BalanceDue>5449</BalanceDue>
        <Default>0</Default>
        <ApprovedByBoard>1</ApprovedByBoard>
        <WrittenAgreement>1</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>Ben Hayes</NamePerson>
        <PurposeOfLoan>Mastercard</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>15000</OriginalPrincipalAmount>
        <BalanceDue>617</BalanceDue>
        <Default>0</Default>
        <ApprovedByBoard>1</ApprovedByBoard>
        <WrittenAgreement>1</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>Fred Lamoreaux</NamePerson>
        <PurposeOfLoan>Mastercard</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>15000</OriginalPrincipalAmount>
        <BalanceDue>1024</BalanceDue>
        <Default>0</Default>
        <ApprovedByBoard>1</ApprovedByBoard>
        <WrittenAgreement>1</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>Betty Mueller</NamePerson>
        <PurposeOfLoan>Mastercard</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>15000</OriginalPrincipalAmount>
        <BalanceDue>14434</BalanceDue>
        <Default>0</Default>
        <ApprovedByBoard>1</ApprovedByBoard>
        <WrittenAgreement>1</WrittenAgreement>
      </LoanTable>
      <TotalBalanceDue>115516</TotalBalanceDue>
    </IRS990ScheduleL>
    <IRS990ScheduleO documentId="R000004" softwareId="10000077" softwareVersion="v1.00">
      <GeneralExplanation>
        <Identifier>F990_P06_S0A_L06</Identifier>
        <ReturnReference>Form 990, Part VI, Section A, Line 6</ReturnReference>
        <Explanation>The organization has members</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P06_S0A_L07a</Identifier>
        <ReturnReference>Form 990, Part VI, Section A, Line 7a</ReturnReference>
        <Explanation>The general membership elects members for the governing body.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P06_S0A_L07b</Identifier>
        <ReturnReference>Form 990, Part VI, Section A, Line 7b</ReturnReference>
        <Explanation>Any mergers must be approved by the general membership.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P06_S0B_L11a</Identifier>
        <ReturnReference>Form 990, Part VI, Section B, Line 11a</ReturnReference>
        <Explanation>A copy of the 990 return was given to each director for their review and discussion at the meeting prior to filing the return.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P06_S0B_L15</Identifier>
        <ReturnReference>Form 990, Part VI, Section B, Line 15</ReturnReference>
        <Explanation>Peer group surveys were reviewed for all positions in 2010. The Executive Board Committee reviewed the President's position, and the President reviewed all other positions.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P06_S0C_L19</Identifier>
        <ReturnReference>Form 990, Part VI, Section C, Line 19</ReturnReference>
        <Explanation>All governing documents that are required to be made public are available to the general membership by request, by bulletin board displays at each branch, or on the website.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P11_S00_L05</Identifier>
        <ReturnReference>Form 990, Part XI, Line 5</ReturnReference>
        <Explanation>Increase in share, checking, and certificate accounts</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>