NSP CREDIT UNION: Form 990, tax year 2023

View the entire original 990 at ProPublica ↗

Organization: NSP CREDIT UNION (EIN 41-0448160)
Tax period: 2023-01-01 to 2023-12-31
Filed: 2024-03-01
IRS object ID: 202440619349300379
Schema version: 2023v4.0
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)
Return	2024-03-01T13:36:15-05:00	ReturnTs
Tax Period End	2023-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	461065712	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	BRENT WOOKEY CPA	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 1512	AddressLine1Txt
City	LA CROSSE	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	546021512	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2023-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	410448160	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	NORTHERN STATES POWER ST PAUL	BusinessNameLine1Txt
Business Name Line2	CREDIT UNION	BusinessNameLine2Txt

Field	Value	IRS element (for citing)
Business Name Control	NORT	BusinessNameControlTxt
Phone	6512287668	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2303 WHITE BEAR AVE N SUITE A	AddressLine1Txt
City	MAPLEWOOD	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	55109	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	CHARLIE YENNI	PersonNm
Person Title	PRESIDENT/CEO	PersonTitleTxt
Phone	6512287672	PhoneNum
Signature	2024-03-01	SignatureDt
Discuss With Paid Preparer	Yes (true)	DiscussWithPaidPreparerInd

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	CHARLIE	PersonFirstNm
Person Last	YENNI	PersonLastNm

Field	Value	IRS element (for citing)
SSN	999009999	SSN

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	false	IRSResponsiblePrtyInfoCurrInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	BRENT WOOKEY CPA	PreparerPersonNm
PTIN	P00062439	PTIN
Phone	6087920843	PhoneNum
Preparation	2024-03-01	PreparationDt
Self Employed	Yes (X)	SelfEmployedInd

Field	Value	IRS element (for citing)
Tax	2023	TaxYr
Build TS	2023-04-26 12:10:37Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	CHARLIE YENNI	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2303 WHITE BEAR AVE N SUITE A	AddressLine1Txt
City	MAPLEWOOD	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	55109	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$2,042,492	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.MYNSPCU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1933	FormationYr
Legal Domicile State	MN	LegalDomicileStateCd
Activity Or Mission	TO EARN OUR MEMBERS' TRUST WITH PERSONALIZED SERVICE AND INTEGRITY.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	9	TotalEmployeeCnt
Total Gross UBI	$485	TotalGrossUBIAmt
PY Contributions Grants	$479	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$1,791,911	PYProgramServiceRevenueAmt
CY Program Service Revenue	$1,827,256	CYProgramServiceRevenueAmt
PY Investment Income	$208,860	PYInvestmentIncomeAmt
CY Investment Income	$209,751	CYInvestmentIncomeAmt
PY Other Revenue	$5,334	PYOtherRevenueAmt
CY Other Revenue	$5,485	CYOtherRevenueAmt
PY Total Revenue	$2,006,584	PYTotalRevenueAmt
CY Total Revenue	$2,042,492	CYTotalRevenueAmt
PY Grants And Similar Paid	$5,215	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$1,625	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$616,880	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$663,120	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$1,148,241	PYOtherExpensesAmt
CY Other Expenses	$1,494,377	CYOtherExpensesAmt
PY Total Expenses	$1,770,336	PYTotalExpensesAmt
CY Total Expenses	$2,159,122	CYTotalExpensesAmt
PY Revenues Less Expenses	$236,248	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	-$116,630	CYRevenuesLessExpensesAmt
Total Assets BOY	$45,122,737	TotalAssetsBOYAmt
Total Assets EOY	$42,668,678	TotalAssetsEOYAmt
Total Liabilities BOY	$37,868,067	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$35,347,175	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$7,254,670	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$7,321,503	NetAssetsOrFundBalancesEOYAmt
Mission	TO EARN OUR MEMBERS' TRUST WITH PERSONALIZED SERVICE AND INTEGRITY.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 73 NEW DEPOSIT ACCOUNTS IN 2023. AS OF 12/31/23 WE HAD 2,890 MEMBERS.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 28,112 NEW LOANS DURING 2023. AS OF 12/31/23 WE HAD 114,346 OUTSTANDING LOANS RECEIVABLE.	Desc

Field	Value	IRS element (for citing)
Described In Section501c3	false	DescribedInSection501c3Ind
Schedule B Required	false	ScheduleBRequiredInd
Political Campaign Acty	false	PoliticalCampaignActyInd
Subject To Proxy Tax	false	SubjectToProxyTaxInd
Donor Advised Fund	false	DonorAdvisedFundInd
Conservation Easements	false	ConservationEasementsInd
Collections Of Art	false	CollectionsOfArtInd
Credit Counseling	false	CreditCounselingInd
Donor Rstr Or Quasi Endowments	false	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (true)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	false	ReportInvestmentsOtherSecInd
Report Program Related Invst	Yes (true)	ReportProgramRelatedInvstInd
Report Other Assets	false	ReportOtherAssetsInd
Report Other Liabilities	Yes (true)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	false	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	false	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	false	ConsolidatedAuditFinclStmtInd
School Operating	false	SchoolOperatingInd
Foreign Office	false	ForeignOfficeInd
Foreign Activities	false	ForeignActivitiesInd
More Than5000 K To Org	false	MoreThan5000KToOrgInd
More Than5000 K To Individuals	false	MoreThan5000KToIndividualsInd
Professional Fundraising	false	ProfessionalFundraisingInd
Fundraising Activities	false	FundraisingActivitiesInd
Gaming Activities	false	GamingActivitiesInd
Operate Hospital	false	OperateHospitalInd
Grants To Organizations	false	GrantsToOrganizationsInd
Grants To Individuals	false	GrantsToIndividualsInd
Schedule J Required	Yes (true)	ScheduleJRequiredInd
Tax Exempt Bonds	false	TaxExemptBondsInd
Loan Outstanding	Yes (true)	LoanOutstandingInd
Grant To Related Person	false	GrantToRelatedPersonInd
Business Rln With Org Mem	false	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	false	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	false	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	false	DeductibleNonCashContriInd
Deductible Art Contribution	false	DeductibleArtContributionInd
Terminate Operations	false	TerminateOperationsInd
Partial Liquidation	false	PartialLiquidationInd
Disregarded Entity	false	DisregardedEntityInd
Related Entity	false	RelatedEntityInd
Related Organization Ctrl Ent	false	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
IRP Document	645	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (true)	BackupWthldComplianceInd
Employee	9	EmployeeCnt
Employment Tax Returns Filed	Yes (true)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	false	UnrelatedBusIncmOverLimitInd
Foreign Financial Account	false	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTransInd
Taxable Party Notification	false	TaxablePartyNotificationInd
Nondeductible Contributions	false	NondeductibleContributionsInd
Indoor Tanning Services	false	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	false	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	false	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	IndependentVotingMemberCnt
Family Or Business Rln	false	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	false	DelegationOfMgmtDutiesInd
Change To Org Documents	false	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	false	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (true)	MembersOrStockholdersInd
Election Of Board Members	Yes (true)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (true)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (true)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (true)	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	false	LocalChaptersInd
Form990 Provided To Gvrn Body	false	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (true)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (true)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (true)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (true)	WhistleblowerPolicyInd
Document Retention Policy	Yes (true)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (true)	CompensationProcessCEOInd
Compensation Process Other	false	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	CHARLIE YENNI	PersonNm
Phone	6512287668	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2303 WHITE BEAR AVE N SUITE A	AddressLine1Txt
City	MAPLEWOOD	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	55109	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (8 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd
CHARLIE YENNI
PRESIDENT/CE	50.00	Yes (X)	$117,618	$0	$37,200
TODD RIEBE
TREASURER	1.50	Yes (X)	$2,020	$0	$0	Yes (X)
ALEX AUTIO
DIRECTOR	0.75		$893	$0	$0	Yes (X)
DARREN KARNES
DIRECTOR	0.40		$492	$0	$0	Yes (X)
JENNY BORGERSON RIES
SECRETARY	0.40	Yes (X)	$465	$0	$0	Yes (X)
CHRISTINE MCGINNIS
DIRECTOR	0.30		$428	$0	$0	Yes (X)
BRANDON CRAMER
CHAIR	0.25	Yes (X)	$384	$0	$0	Yes (X)
CORY BROWN
VICE CHAIR	0.25	Yes (X)	$350	$0	$0	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$122,650	TotalReportableCompFromOrgAmt
Total Other Compensation	$37,200	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	1	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (true)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (2 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
SHARETEC
101 E WASHINGTON BLVD	FORT WAYNE	IN	46802	CORE PROCESSOR	$137,079
FISERV INC
255 FISERV DRIVE	BROOKFIELD	WI	53045	CARD PROCESSING	$123,857

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	2	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	522130	$1,374,148	$1,374,148
MEMBER FEE INCOME	522130	$233,134	$233,134
OTHER MEMBER RELATED REVENUE	522130	$219,489	$219,489
FEE & INSURANCE REVENUE	520000	$485		$485

Field	Value	IRS element (for citing)
Total Program Service Revenue	$1,827,256	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$200,400	TotalRevenueColumnAmt
Exclusion	$200,400	ExclusionAmt

Royalties Revenue RoyaltiesRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$5,485	TotalRevenueColumnAmt
Exclusion	$5,485	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$9,351	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	$9,351	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$9,351	TotalRevenueColumnAmt
Related Or Exempt Func Income	$9,351	RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$2,042,492	TotalRevenueColumnAmt
Related Or Exempt Func Income	$1,836,122	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$485	UnrelatedBusinessRevenueAmt
Exclusion	$205,885	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$1,625	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$122,650	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$369,074	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$58,948	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$75,124	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$37,324	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$3,924	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$6,065	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$105,143	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$58,721	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$294,049	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$137,079	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$101,575	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$3,550	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$12,235	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$110,782	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$14,413	TotalAmt

Other Expenses OtherExpensesGrp (3 entries)

DescDesc	TotalTotalAmt
LOAN SERVICING EXPENSE	$363,673
DIVIDENDS EXPENSE	$243,609
PROVISN LOAN LOSS	$39,559

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$2,159,122	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$149,263	BOYAmt
EOY	$144,459	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$3,286,834	BOYAmt
EOY	$5,069,369	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$337,133	BOYAmt
EOY	$244,179	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$1,704,559	BOYAmt
EOY	$1,753,139	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$23,591,561	BOYAmt
EOY	$23,194,651	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$331,232	BOYAmt
EOY	$278,574	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$1,080,259	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$138,209	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$958,791	BOYAmt
EOY	$942,050	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$13,851,980	BOYAmt
EOY	$10,151,140	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$446,181	BOYAmt
EOY	$418,404	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$465,203	BOYAmt
EOY	$472,713	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$45,122,737	BOYAmt
EOY	$42,668,678	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$828,988	BOYAmt
EOY	$912,830	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$406,270	BOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$36,632,809	BOYAmt
EOY	$34,434,345	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$37,868,067	BOYAmt
EOY	$35,347,175	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$7,254,670	BOYAmt
EOY	$7,321,503	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$7,254,670	BOYAmt
EOY	$7,321,503	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$45,122,737	BOYAmt
EOY	$42,668,678	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	-$116,630	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$183,463	NetUnrlzdGainsLossesInvstAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	false	FSAuditedInd

Schedule D IRS990ScheduleD

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$795,460	OtherCostOrOtherBasisAmt
Depreciation	$85,781	DepreciationAmt
Book Value	$709,679	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$284,799	OtherCostOrOtherBasisAmt
Depreciation	$52,428	DepreciationAmt
Book Value	$232,371	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$942,050	TotalBookValueLandBuildingsAmt

Invst Program Related Org InvstProgramRelatedOrgGrp (8 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
AFS SECURITIES MATURITY > 1 YR	$5,508,579	F
CUOLI	$1,822,971	F
HTM SECURITIES MATURITY > 1YR	$1,736,000	C
OTHER INVSTMNTS MATURITY > 1 YR	$992,000	C
TCT RISK SOLUTIONS CUSO	$26,600	C
SERVION GROUP CUSO	$25,000	C
CO-OP FINANCIAL SVCS CUSO	$20,000	C
MEMBERSHIP PIC ALLOYA CORP FCU	$19,990	C

Field	Value	IRS element (for citing)
Total Book Value Program Rltd	$10,151,140	TotalBookValueProgramRltdAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARES & DEPOSITS	Desc
Amt	$34,434,345	Amt

Field	Value	IRS element (for citing)
Total Liability	$34,434,345	TotalLiabilityAmt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Committee	Yes (X)	CompensationCommitteeInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	false	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	false	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	false	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp

Field	Value	IRS element (for citing)
Person	CHARLIE YENNI	PersonNm
Title	PRESIDENT/CEO	TitleTxt
Base Compensation Filing Org	$117,582	BaseCompensationFilingOrgAmt
Other Compensation Filing Org	$36	OtherCompensationFilingOrgAmt
Deferred Compensation Flng Org	$17,342	DeferredCompensationFlngOrgAmt
Nontaxable Benefits Filing Org	$19,858	NontaxableBenefitsFilingOrgAmt
Total Compensation Filing Org	$154,818	TotalCompensationFilingOrgAmt

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp

Field	Value	IRS element (for citing)
Person	CHARIE YENNI	PersonNm
Relationship With Org	PRESIDENT/CEO	RelationshipWithOrgTxt
Loan Purpose	COLLATERAL ASSIGNMENT SPLIT DOLLAR	LoanPurposeTxt
Loan From Organization	Yes (X)	LoanFromOrganizationInd
Original Principal	$1,600,000	OriginalPrincipalAmt
Balance Due	$1,753,139	BalanceDueAmt
Default	false	DefaultInd
Board Or Committee Approval	Yes (true)	BoardOrCommitteeApprovalInd
Written Agreement	Yes (true)	WrittenAgreementInd

Field	Value	IRS element (for citing)
Total Balance Due	$1,753,139	TotalBalanceDueAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	SCHEDULE L, PART V	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS THROUGH AN ARRANGEMENT THE IRS REFERS TO AS COLLATERAL ASSIGNMENT SPLIT DOLLAR (CASD). ALTHOUGH THE IRS REQUIRES REPORTING IN PART II ABOVE FOR LOANS TO INTERESTED PERSONS, CASD IS NOT AN ACTUAL LOAN. THERE IS NEITHER A TRANSFER OF FUNDS TO THE PARTICIPANT NOR AN OBLIGATION FOR THE PARTICIPANT TO PAY THOSE FUNDS BACK. INSTEAD, THE CREDIT UNION RECOVERS ITS OUTLAYS PLUS INTEREST FROM THE UNDERLYING POLICY.	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (7 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PAGE 6, PART VI, LINE 6	THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER, ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
FORM 990, PAGE 6, PART VI, LINE 7A	THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
FORM 990, PAGE 6, PART VI, LINE 7B	A MEMBER VOTE IS REQUIRED FOR DECISIONS WHICH ARE BEYOND THE AUTHORITY OF THE BOARD OF DIRECTORS. ITEMS WHICH REQUIRE A MEMBERSHIP VOTE ARE OUTLINED AND SPECIFIED IN OUR BYLAWS. EACH MEMBER HAS ONE VOTE.
FORM 990, PAGE 6, PART VI, LINE 11B	THE PRESIDENT PROVIDES DATA TO INDEPENDENT CPA WHO PREPARES THE RETURN. THE PRESIDENT REVIEWS THE RETURN FOR ACCURACY, AND THEN AUTHORIZES CPA TO E-FILE THE APPROVED RETURN.
FORM 990, PAGE 6, PART VI, LINE 12C	CONFLICT OF INTEREST POLICY IS REVIEWED ANNUALLY AND ANY POTENTIAL CONFLICTS ARE DISCUSSED BY THE BOARD OF DIRECTORS.
FORM 990, PAGE 6, PART VI, LINE 15A	THE BOARD OF DIRECTORS DETERMINES AND APPROVES THE COMPENSATION FOR THE PRESIDENT/CEO. APPROVAL IS NOTED IN THE BOARD MINUTES.
FORM 990, PAGE 6, PART VI, LINE 19	GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON RQUEST. SUMMARY MONTHLY FINANCIAL STATMENTS ARE POSTED ON THE CREDIT UNION'S WEBSITE.