ST JEANS CREDIT UNION: Form 990, tax year 2010

View the entire original 990 at ProPublica ↗

Organization: ST JEANS CREDIT UNION (EIN 04-1801520)
Tax period: 2010-01-01 to 2010-12-31
Filed: 2011-06-30
IRS object ID: 201141819349300424
Schema version: 2010v3.2
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 L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2011-06-30T11:28:44-07:00	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	ROBERT ANDERSON & COMPANY PC	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	138 DODGE ST	AddressLine1
City	BEVERLY	City
State	MA	State
ZIP Code	019151866	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	041801520	EIN

Name Name

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

Field	Value	IRS element (for citing)
Name Control	STJE	NameControl
Phone	7815925420	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	250 MAPLE STREET	AddressLine1
City	Lynn	City
State	MA	State
ZIP Code	01904	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	C DAVID SURFACE	Name
Title	President & CEO	Title
Date Signed	2011-06-30	DateSigned

Field	Value	IRS element (for citing)
Tax Year	2010	TaxYear
Build TS	2016-03-07 17:11:31Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Gross Receipts	13615331	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
All Affiliates Included	false	AllAffiliatesIncluded
Organization501c	X	Organization501c
Web Site	www.stjeanscu.com	WebSite
Activity Or Mission Description	CREDIT UNION	ActivityOrMissionDescription
Nbr Voting Members Governing Body	11	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	10	NbrIndependentVotingMembers
Total Nbr Employees	52	TotalNbrEmployees
Total Nbr Volunteers	10	TotalNbrVolunteers
Total Gross UBI	87155	TotalGrossUBI
Net Unrelated Business Txbl Income	-37280	NetUnrelatedBusinessTxblIncome
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	5408109	ProgramServiceRevenuePriorYear
Program Service Revenue CY	5458101	ProgramServiceRevenueCY
Investment Income Prior Year	579093	InvestmentIncomePriorYear
Investment Income Current Year	551127	InvestmentIncomeCurrentYear
Other Revenue Prior Year	2084662	OtherRevenuePriorYear
Other Revenue Current Year	1448617	OtherRevenueCurrentYear
Total Revenue Prior Year	8071864	TotalRevenuePriorYear
Total Revenue Current Year	7457845	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	2473781	SalariesEtcPriorYear
Salaries Etc Current Year	2561201	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	6613624	OtherExpensePriorYear
Other Expenses Current Year	4346603	OtherExpensesCurrentYear
Total Expenses Prior Year	9087405	TotalExpensesPriorYear
Total Expenses Current Year	6907804	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	-1015541	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	550041	RevenuesLessExpensesCY
Total Assets BOY	133845769	TotalAssetsBOY
Total Assets EOY	133701426	TotalAssetsEOY
Total Liabilities BOY	120800537	TotalLiabilitiesBOY
Total Liabilities EOY	120156524	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	13045232	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	13544902	NetAssetsOrFundBalancesEOY
Mission Description	CREDIT UNION	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Expense	1263120	Expense
Description	MAINTAINING OF MEMBERS ACCOUNTS AND THE PAYMENTS OF DIVIDENDS THERE ON. NUMBER OF ACCOUNTS 25,132..	Description

Activity2 Activity2

Field	Value	IRS element (for citing)
Revenue	5458101	Revenue
Description	MAKING LOANS TO MEMBERS AT INTEREST. NUMBER OF ACCOUNTS 3,915.	Description

Field	Value	IRS element (for citing)
Total Program Service Expense	1263120	TotalProgramServiceExpense
Described In501 C3	false	DescribedIn501C3
Schedule B Required	false	ScheduleBRequired
Political Activities	false	PoliticalActivities
Lobbying Activities	false	LobbyingActivities
Subject To Proxy Tax	false	SubjectToProxyTax
Donor Advised Funds	false	DonorAdvisedFunds
Conservation Easements	false	ConservationEasements
Collections Of Art	false	CollectionsOfArt
Credit Counseling	true	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
Invest Tax Exempt Bonds	false	InvestTaxExemptBonds
Escrow Account	false	EscrowAccount
On Behalf Of Issuer	false	OnBehalfOfIssuer
Excess Benefit Transaction	false	ExcessBenefitTransaction
Prior Excess Benefit Transaction	false	PriorExcessBenefitTransaction
Loan To Officer Or DQP	true	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
Transfers To Exempt Non Chrtbl Org	false	TransfersToExemptNonChrtblOrg
Activities Conducted Partnership	false	ActivitiesConductedPartnership
Schedule O Required	true	ScheduleORequired
Number Forms Transmitted With1096	3968	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	true	ComplianceWithBackupWitholding
Number Of Employees	52	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
Form8886 T Filed	false	Form8886TFiled
Non Deductible Contributions	false	NonDeductibleContributions
Non Deductible Disclosure	false	NonDeductibleDisclosure
Excess Business Holdings	false	ExcessBusinessHoldings
Taxable Distributions	false	TaxableDistributions
Distribution To Donor	false	DistributionToDonor
Filed Lieu1041	false	FiledLieu1041
Licensed More Than One State	false	LicensedMoreThanOneState
Indoor Tanning Services	false	IndoorTanningServices
Form720 Filed	false	Form720Filed
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	11	NbrVotingGoverningBodyMembers
Number Independent Voting Members	10	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	true	DecisionsSubjectToApproval
Minutes Of Governing Body	true	MinutesOfGoverningBody
Minutes Of Committees	true	MinutesOfCommittees
Officer Mailing Address	false	OfficerMailingAddress
Local Chapters	true	LocalChapters
Policies Reference Chapters	true	PoliciesReferenceChapters
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
Written Policy Or Procedure	false	WrittenPolicyOrProcedure
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Field	Value	IRS element (for citing)
Name Person	David Surface	NamePerson
Telephone Number	7815925420	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	250 MAPLE STREET	AddressLine1
City	LYNN	City
State	MA	State
ZIP Code	01904	ZIPCode

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
STEVEN WALSH
Director	2.00	X	0	0	0
STEPHEN SALVO
Vice Chairman	4.00	X	0	0	0	X
SCOTT RAMSEY
LOAN OFFICER	40.00		80009	0	23082	X
RICHARD DRAGONE
Chairman	4.00	X	0	0	0	X
RICHARD BONNEVIE
SecurityOfficer	2.00	X	0	0	0	X
PHILIP J DOYLE
Director	2.00	X	0	0	0
PATRICK BRADY
2nd Vice Chair	2.00	X	0	0	0	X
NICOLE A MARKEE
Controller	40.00		71719	0	17137	X
LINDA LEBLANC
Asst. Treasurer	2.00	X	0	0	0	X
KATHY MACDONALD
Vice President	40.00		78433	0	16936	X
KATHY DONAHUE
Vice President	40.00		99399	0	17151	X
KAREN INTERBARTOLO
Vice President	40.00		79607	0	15642	X
J PAUL BURKE
Treasurer	5.00	X	0	0	0	X
IRA NOVOSELSKY
Director	2.00	X	0	0	0
EDWARD LEBLANC
Director	2.00	X	0	0	0
C DAVID SURFACE
President & CEO	40.00	X	173855	0	22886	X	X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	583022	TotalReportableCompFromOrg
Total Other Compensation	112834	TotalOtherCompensation
Number Individuals GT100 K	1	NumberIndividualsGT100K
Formers Listed	false	FormersListed
Total Comp GT150 K	true	TotalCompGT150K
Compensation From Other Sources	false	CompensationFromOtherSources

Contractor Compensation ContractorCompensation (3 entries)

Address Line1AddressOfContractor/AddressUS/AddressLine1	CityAddressOfContractor/AddressUS/City	StateAddressOfContractor/AddressUS/State	ZIP CodeAddressOfContractor/AddressUS/ZIPCode	Description Of ServicesDescriptionOfServices	CompensationCompensation
OPEN SOLUTIONS INC
455 WINDING BROOK DRIVE	GLASTONBURY	CT	06033	CORE DATA PROCESSING	205931
FIS
601 RIVERSIDE AVENUE	JACKSONVILLE	FL	32204	ATM/DEBIT CARD	154663
DIGITAL INSIGHT
PO BOX 515306	LOS ANGELES	CA	900516606	HOME BANKING/BILL PA	116692

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	3	NumberOfContractorsGT100K
Total Contributions	0	TotalContributions

Program Service Revenue ProgramServiceRevenue

Field	Value	IRS element (for citing)
Description	INTEREST ON LOANS	Description
Total Revenue Column	5458101	TotalRevenueColumn
Related Or Exempt Function Income	5458101	RelatedOrExemptFunctionIncome

Field	Value	IRS element (for citing)
Total Program Service Revenue	5458101	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	465442	TotalRevenueColumn
Related Or Exempt Function Income	465442	RelatedOrExemptFunctionIncome

Income From Invest Bond Proceeds IncomeFromInvestBondProceeds

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Royalties Revenue RoyaltiesRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Rental Income Or Loss NetRentalIncomeOrLoss

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Other	6243171	Other

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Other	6157486	Other

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Other	85685	Other

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	85685	TotalRevenueColumn
Related Or Exempt Function Income	85685	RelatedOrExemptFunctionIncome

Net Income From Fundraising Events NetIncomeFromFundraisingEvents

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Income From Gaming NetIncomeFromGaming

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Income Or Loss NetIncomeOrLoss

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Other Revenue Misc OtherRevenueMisc (3 entries)

DescriptionDescription	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	Unrelated Business RevenueUnrelatedBusinessRevenue
SERVICE CHARGES AND FEES	1076189	1076189
OTHER INCOME	285273	285273
NON MEMBER ATM FEES	87155		87155

Field	Value	IRS element (for citing)
Total Other Revenue	1448617	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	7457845	TotalRevenueColumn
Related Or Exempt Function Income	7370690	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	87155	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	695856	Total
Management And General	695856	ManagementAndGeneral

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	1351716	Total
Management And General	1351716	ManagementAndGeneral

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	139242	Total
Management And General	139242	ManagementAndGeneral

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	201104	Total
Management And General	201104	ManagementAndGeneral

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	173283	Total
Management And General	173283	ManagementAndGeneral

Fees For Services Management FeesForServicesManagement

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	14450	Total
Management And General	14450	ManagementAndGeneral

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	20100	Total
Management And General	20100	ManagementAndGeneral

Fees For Services Lobbying FeesForServicesLobbying

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Prof Fundraising FeesForServicesProfFundraising

Field	Value	IRS element (for citing)
Total	0	Total

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	0	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	79675	Total
Management And General	79675	ManagementAndGeneral

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	285473	Total
Management And General	285473	ManagementAndGeneral

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	344795	Total
Management And General	344795	ManagementAndGeneral

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	591024	Total
Management And General	591024	ManagementAndGeneral

Travel Travel

Field	Value	IRS element (for citing)
Total	42079	Total
Management And General	42079	ManagementAndGeneral

Travel Entrtnmnt Public Officials TravelEntrtnmntPublicOfficials

Field	Value	IRS element (for citing)
Total	0	Total

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	0	Total

Interest Interest

Field	Value	IRS element (for citing)
Total	1263120	Total
Program Services	1263120	ProgramServices

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	318605	Total
Management And General	318605	ManagementAndGeneral

Insurance Insurance

Field	Value	IRS element (for citing)
Total	26462	Total
Management And General	26462	ManagementAndGeneral

Other Expenses OtherExpenses (5 entries)

DescriptionDescription	TotalTotal	Management And GeneralManagementAndGeneral
PROVISION FOR LOAN LOSSES	408909	408909
Postage and Shipping	90404	90404
NCUA IMPAIRMENT	299066	299066
EQUIPMENT	122672	122672
EFT	176027	176027

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	263742	Total
Management And General	263742	ManagementAndGeneral

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	6907804	Total
Program Services	1263120	ProgramServices
Management And General	5644684	ManagementAndGeneral
Fundraising	0	Fundraising

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	2510286	BOY
EOY	1519404	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	27132967	BOY
EOY	25928327	EOY

Pledges And Grants Receivable PledgesAndGrantsReceivable

Field	Value	IRS element (for citing)
EOY	0	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
EOY	0	EOY

Receivables From Officers Etc ReceivablesFromOfficersEtc

Field	Value	IRS element (for citing)
BOY	2573875	BOY
EOY	600589	EOY

Receivables From Disqual Persons ReceivablesFromDisqualPersons

Field	Value	IRS element (for citing)
EOY	0	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	85109726	BOY
EOY	89871724	EOY

Inventories For Sale Or Use InventoriesForSaleOrUse

Field	Value	IRS element (for citing)
EOY	0	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	95820	BOY
EOY	86534	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	9111210	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	4278938	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	5091091	BOY
EOY	4832272	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	9388771	BOY
EOY	8901046	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
EOY	0	EOY

Investments Program Related InvestmentsProgramRelated

Field	Value	IRS element (for citing)
EOY	0	EOY

Intangible Assets IntangibleAssets

Field	Value	IRS element (for citing)
EOY	0	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	1943233	BOY
EOY	1961530	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	133845769	BOY
EOY	133701426	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	259363	BOY
EOY	334543	EOY

Escrow Account Liability EscrowAccountLiability

Field	Value	IRS element (for citing)
BOY	301161	BOY
EOY	352236	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	120240013	BOY
EOY	119469745	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	120800537	BOY
EOY	120156524	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	13045232	BOY
EOY	13544902	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	13045232	BOY
EOY	13544902	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	133845769	BOY
EOY	133701426	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	550041	ReconcilationRevenueExpenses
Reconcilation Other Changes	-50371	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	false	AccountantCompileOrReview
FS Audited	true	FSAudited
Audit Committee	true	AuditCommittee
Financial Statement Separate	X	FinancialStatementSeparate
Federal Grant Audit Required	false	FederalGrantAuditRequired
Federal Grant Audit Performed	false	FederalGrantAuditPerformed

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	false	AgentTrusteeEtc
Included On FS	true	IncludedOnFS

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	695784	OtherCostOrOtherBasis
Book Value	695784	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	3041042	OtherCostOrOtherBasis
Depreciation	1078523	Depreciation
Book Value	1962519	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	1584647	OtherCostOrOtherBasis
Depreciation	413116	Depreciation
Book Value	1171531	BookValue

Other Land Buildings OtherLandBuildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	3789737	OtherCostOrOtherBasis
Depreciation	2787299	Depreciation
Book Value	1002438	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	4832272	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities (2 entries)

DescriptionDescription	AmountAmount
SHARES AND DEPOSITS	$119,048,574
OTHER LIABILITIES	$421,171

Field	Value	IRS element (for citing)
Total Of Amounts	119469745	TotalOfAmounts
Total Revenue	7457845	TotalRevenue
Total Expenses	6907804	TotalExpenses
Excess Or Deficit For Year	550041	ExcessOrDeficitForYear
Other	-$50,371	OtherAmount
Total Adjustments	-50371	TotalAdjustments
Excess Or Deficit Per FS	499670	ExcessOrDeficitPerFS
Tot Revenue Etc Audited Fincl Stmt	7457845	TotRevenueEtcAuditedFinclStmt
Revenue Subtotal	7457845	RevenueSubtotal
Total Revenue Per Form990	7457845	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	6907804	TotExpensesEtcAuditedFinclStmt
Expenses Subtotal	6907804	ExpensesSubtotal
Total Expenses Per Form990	6907804	TotalExpensesPerForm990

Form990 Schedule D Part XIV Form990ScheduleDPartXIV (2 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
Part XI, Line 8	Part XI, Line 8: Other Changes in Net Assets or Fund Balances	$ -0 CHANGE IN FMV DUE TO SFAS 115 $ -50371
Part IV, Line 2b	Part IV, Line 2b: Explanation of escrow account liability	MORTGAGE ESCROW ACCOUNTS HELD FOR THE PAYMENT OF REAL ESTATE TAXES FOR MUNICIPALITIES.

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	X	TravelForCompanions
Written Policy Re T And E Expenses	true	WrittenPolicyReTAndEExpenses
Substantiation Required	true	SubstantiationRequired
Compensation Committee	X	CompensationCommittee
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

Field	Value	IRS element (for citing)
Name Person	C DAVID SURFACE	NamePerson
Base Compensation Filing Org	155527	BaseCompensationFilingOrg
Bonus Filing Org	101	BonusFilingOrg
Other Compensation Filing Org	18227	OtherCompensationFilingOrg
Deferred Comp Filing Org	11301	DeferredCompFilingOrg
Nontaxable Benefits Filing Org	11585	NontaxableBenefitsFilingOrg
Total Compensation Filing Org	196741	TotalCompensationFilingOrg

Form990 Schedule J Part III Form990ScheduleJPartIII

Field	Value	IRS element (for citing)
Identifier	Sch J, Part I, Line 1a	Identifier
Return Reference	Part I, Line 1a: Relevant information in regards to selections on 1a.	ReturnReference

Schedule L IRS990ScheduleL

Loan Table LoanTable (9 entries)

Purpose Of LoanPurposeOfLoan	Loan From OrganizationLoanFromOrganization	Original PrincipalOriginalPrincipalAmount	Balance DueBalanceDue	DefaultDefault	Approved By BoardApprovedByBoard	Written AgreementWrittenAgreement
(no name)
MORTGAGE	X	$150,000	150000	false	true	true
PHILIP DOYLE
EQUITY LOAN	X	$160,000		false	true	true
PATRICK BRADY
EQUITY LOAN	X	$200,000	41567	false	true	true
C DAVID SURFACE
EQUITY LOAN	X	$146,000	140025	false	true	true
NICOLE MARKEE
SHARE SECURED	X	$6,000	6000	false	true	true
NICOLE MARKEE
USED AUTO LOAN	X	$14,011	12586	false	true	true
NICOLE MARKEE
SHARE SECURED LOAN	X	$1,000	812	false	true	true
RICHARD DRAGONE
EQUITY LOAN	X	$250,000	248299	false	true	true
NICOLE MARKEE
SHARE SECURED LOAN	X	$1,300	1300	false	true	true

Field	Value	IRS element (for citing)
Total Balance Due	600589	TotalBalanceDue

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (6 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
Form 990, Part VI, Line 19	Form 990, Part VI, Line 19: Other Organization Documents Publicly Available	Information is posted in the lobby at branch locations and available upon request.
Form 990, Part VI, Line 15b	Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees	MANAGEMENT'S SALARIES ARE BASED ON THE INDUSTRY, COMPARED TO THE CUNA SALARY SURVEY.THE PERSONNEL COMMITTEE AND THE BOARD APPROVES THE ANNUAL BUDGET. BONUS TO CEO IS FROM PRE-ESTABLISHED GOALS.
Form 990, Part VI, Line 12c	Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts	Annually signed by employees and the board. The conflict of interest policy is included in the personnel policy.
Form 990, Part VI, Line 11	Form 990, Part VI, Line 11: Form 990 Review Process	Once received the 990 will be reviewed by the CEO and directors. Due to filing deadlines, the 990 will be reviewed by the board of directors subsequent to filing.
Form 990, Part VI, Line 7a	Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body	Each member has a vote at the election of the board of directors.
Form 990, Part VI, Line 6	Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder	Persons who meet the requirements of the organization's field of membership who hold at least one share of the capital.