STATE CHARTERED CREDIT UNIONS IN FLORIDA: Form 990, tax year 2023

View the entire original 990 at ProPublica ↗

Organization: STATE CHARTERED CREDIT UNIONS IN FLORIDA (EIN 59-1022425)
Tax period: 2023-01-01 to 2023-12-31
Filed: 2024-05-14
IRS object ID: 202411359349303926
Schema version: 2023v5.0
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 O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2024-05-14T10:55:00-05:00	ReturnTs
Tax Period End	2023-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	382492570	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	DOEREN MAYHEW	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	8785 SW 165TH AVENUE SUITE 303	AddressLine1Txt
City	MIAMI	CityNm
State Abbreviation	FL	StateAbbreviationCd
ZIP	33193	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	591022425	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	STATE CHARTERED CREDIT UNIONS IN FLORIDA	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	STAT	BusinessNameControlTxt
Phone	4073031527	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	351 S STATE ROAD 434 1009	AddressLine1Txt
City	ALTAMONTE SPRINGS	CityNm
State Abbreviation	FL	StateAbbreviationCd
ZIP	32714	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	ADAM NEUSAENGER	PersonNm
Person Title	PRESIDENT/CEO	PersonTitleTxt
Phone	4073031527	PhoneNum
Signature	2024-05-10	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	ADAM	PersonFirstNm
Person Last	NEUSAENGER	PersonLastNm

Field	Value	IRS element (for citing)
SSN	XXX-XX-XXXX	SSN

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	0	IRSResponsiblePrtyInfoCurrInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	JOHN J MURNANE JR	PreparerPersonNm
PTIN	P03021572	PTIN
Phone	3052328272	PhoneNum
Preparation	2024-05-10	PreparationDt

Additional Filer Information AdditionalFilerInformation

Trusted Customer TrustedCustomerGrp

Field	Value	IRS element (for citing)
Trusted Customer	3	TrustedCustomerCd
Authentication Assurance Level	AAL1	AuthenticationAssuranceLevelCd
Identity Assurance Level	IAL1	IdentityAssuranceLevelCd

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

Form 990 IRS990

Doing Business As Name DoingBusinessAsName

Field	Value	IRS element (for citing)
Business Name Line1	ADVENTHEALTH CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Principal Officer	ADAM NEUSAENGER	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	351 S STATE ROAD 434 1009	AddressLine1Txt
City	ALTAMONTE SPRINGS	CityNm
State Abbreviation	FL	StateAbbreviationCd
ZIP	32714	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$5,561,437	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Group Exemption	2106	GroupExemptionNum
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.AHCU.CC	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1955	FormationYr
Legal Domicile State	FL	LegalDomicileStateCd
Activity Or Mission	OUR MISSION IS TO EMPOWER MEMBERS TO ACHIEVE THEIR FINANCIAL GOALS.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	34	TotalEmployeeCnt
Total Volunteers	13	TotalVolunteersCnt
Total Gross UBI	$33,334	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$3,914,157	PYProgramServiceRevenueAmt
CY Program Service Revenue	$4,978,849	CYProgramServiceRevenueAmt
PY Investment Income	$401,984	PYInvestmentIncomeAmt
CY Investment Income	$582,588	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$4,316,141	PYTotalRevenueAmt
CY Total Revenue	$5,561,437	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$1,805,661	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$1,983,702	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$1,650,057	PYOtherExpensesAmt
CY Other Expenses	$2,585,147	CYOtherExpensesAmt
PY Total Expenses	$3,455,718	PYTotalExpensesAmt
CY Total Expenses	$4,568,849	CYTotalExpensesAmt
PY Revenues Less Expenses	$860,423	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$992,588	CYRevenuesLessExpensesAmt
Total Assets BOY	$95,116,557	TotalAssetsBOYAmt
Total Assets EOY	$101,105,440	TotalAssetsEOYAmt
Total Liabilities BOY	$89,243,570	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$94,142,938	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$5,872,987	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$6,962,502	NetAssetsOrFundBalancesEOYAmt
Mission	OUR MISSION IS TO EMPOWER MEMBERS TO ACHIEVE THEIR FINANCIAL GOALS.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	SHARES - THE CREDIT UNION HAS 21,167 DEPOSIT ACCOUNTS THAT HAVE AN AGGREGATE BALANCE OVER $87 MILLION.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	LOANS - THE CREDIT UNION HAS OVER 94,000 LOANS OUTSTANDING THAT HAVE AN AGGREGATE BALANCE OF APPROXIMATELY $75 MILLION.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	FINANCIAL SERVICES - THE CREDIT UNION OFFERS A VARIETY OF FINANCIAL SERVICES FOR ITS MEMBERS.	Desc

Field	Value	IRS element (for citing)
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (1)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	2482	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	34	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Quid Pro Quo Contributions	0	QuidProQuoContributionsInd
Form8282 Property Disposed Of	0	Form8282PropertyDisposedOfInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	0	LocalChaptersInd
Form990 Provided To Gvrn Body	0	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	VERONICA GURMENDI	PersonNm
Phone	4073257670	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	351 S STATE ROAD 434 SUITE 1009	AddressLine1Txt
City	ALTAMONTE SPRINGS	CityNm
State Abbreviation	FL	StateAbbreviationCd
ZIP	32714	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (16 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
PATRICK DEEGAN
CHAIR	1.00	Yes (X)	$0	$0	$0
KATHY REEP
VICE CHAIR	1.00	Yes (X)	$0	$0	$0
GREGORY EDRIS
SECRETARY	1.00	Yes (X)	$0	$0	$0
CECIL LOWRY
TREASURER	1.00	Yes (X)	$0	$0	$0
TIM COOK
DIRECTOR	1.00	Yes (X)	$0	$0	$0
WILLIAM COCHRAN
DIRECTOR	1.00	Yes (X)	$0	$0	$0
ABEL BIRI
DIRECTOR	1.00	Yes (X)	$0	$0	$0
KRISTIN ULANOFF
DIRECTOR	1.00	Yes (X)	$0	$0	$0
SHERYL MOORHEAD
DIRECTOR	1.00	Yes (X)	$0	$0	$0
DANIEL MYERS
SUPERVISORY COMMITTEE CHAIR	1.00	Yes (X)	$0	$0	$0
ALBERT LEE
SUPERVISORY COMMITTEE MEMBER	1.00	Yes (X)	$0	$0	$0
KELLEY MORING
SUPERVISORY COMMITTEE MEMBER	1.00	Yes (X)	$0	$0	$0
ARMANDO TAGALOG
SUPERVISORY COMMITTEE MEMBER	1.00	Yes (X)	$0	$0	$0
JOHN ADAM NEUSAENGER
PRESIDENT/CHIEF EXECUTIVE	40.00		$176,567	$0	$25,883	Yes (X)
VERONICA GURMENDI
CONTROLLER	40.00		$103,861	$0	$17,582	Yes (X)
SHUSHILYA MOHAMMED
CHIEF OPERATING OFFICER	40.00		$111,882	$0	$16,958		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$392,310	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$60,423	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	3	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (2 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
CU ANSWERS
6000 28TH ST SE SUITE 100	GRAND RAPIDS	MI	49546	CORE PROCESSING	$251,651
FIS
PO BOX 4535	CAROL STREAM	IL	60197	CARD PORTFOLIO PROCESSING	$189,615

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

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST INCOME ON LOA	522100	$3,561,647	$3,561,647
FEES/CHARGES/OTHR INCO	522100	$1,383,868	$1,383,868
UNRELATED BUSINESS INC	520000	$33,334		$33,334

Field	Value	IRS element (for citing)
Total Program Service Revenue	$4,978,849	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$582,588	TotalRevenueColumnAmt
Related Or Exempt Func Income	$582,588	RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$5,561,437	TotalRevenueColumnAmt
Related Or Exempt Func Income	$5,528,103	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$33,334	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$323,893	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,437,100	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$54,381	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$38,521	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$129,807	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$9,158	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$85,262	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$11,864	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$66,825	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$332,564	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$147,560	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$350	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$49,115	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$891,021	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$87,893	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$37,134	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
LOAN SERVICING	$539,737
PROVISION FOR LOAN LOSS	$178,488
OTHER PROFESSIONAL EXPE	$85,271
OTHER EXPENSES	$62,905

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$4,568,849	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$469,072	BOYAmt
EOY	$416,125	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$7,889,591	BOYAmt
EOY	$8,074,647	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$535,866	BOYAmt
EOY	$549,275	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$69,754,832	BOYAmt
EOY	$74,554,699	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$53,580	BOYAmt
EOY	$68,776	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$1,330,366	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$670,658	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$658,822	BOYAmt
EOY	$659,708	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$11,294,423	BOYAmt
EOY	$11,215,825	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$2,370,170	BOYAmt
EOY	$3,102,805	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$2,090,201	BOYAmt
EOY	$2,463,580	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$95,116,557	BOYAmt
EOY	$101,105,440	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$4,134,663	BOYAmt
EOY	$2,604,721	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
EOY	$4,400,000	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$85,108,907	BOYAmt
EOY	$87,138,217	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$89,243,570	BOYAmt
EOY	$94,142,938	EOYAmt

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

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$5,872,987	BOYAmt
EOY	$6,962,502	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$5,872,987	BOYAmt
EOY	$6,962,502	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$95,116,557	BOYAmt
EOY	$101,105,440	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$992,588	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$180,316	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	-$83,389	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$893,887	OtherCostOrOtherBasisAmt
Depreciation	$332,069	DepreciationAmt
Book Value	$561,818	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$436,479	OtherCostOrOtherBasisAmt
Depreciation	$338,589	DepreciationAmt
Book Value	$97,890	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$659,708	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (10 entries)

DescDesc	AmtAmt
SHARE DRAFTS	$16,867,320
PRIMARY SHARES	$33,159,655
CHRISTMAS CLUBS	$169,085
SAVERS CHOICE	$415,569
ESCROW CLUB	$15,001
SHARE MONEY MARKET	$11,079,667
SHARE CERTIFICATES	$23,612,513
TRADITIONAL IRA SAVINGS	$337,421
TRADITIONAL IRA CD	$237,986
NONMEMBER CERTIFICATES	$1,244,000

Field	Value	IRS element (for citing)
Total Liability	$87,138,217	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$5,561,437	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$5,561,437	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$5,561,437	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$4,568,849	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$4,568,849	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$4,568,849	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART X, LINE 2:	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL INCOME TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE (IRC) AND STATE TAX LAWS. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME DERIVED BY STATE-CHARTERED CREDIT UNIONS. GENERALLY, THESE TAXES ARE INSIGNIFICANT TO THE CREDIT UNION.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp

Field	Value	IRS element (for citing)
Person	JOHN ADAM NEUSAENGER	PersonNm
Title	PRESIDENT/CHIEF EXECUTIVE	TitleTxt
Base Compensation Filing Org	$128,997	BaseCompensationFilingOrgAmt
Compensation Based On Rltd Orgs	$0	CompensationBasedOnRltdOrgsAmt
Bonus Filing Organization	$43,243	BonusFilingOrganizationAmount
Bonus Related Organizations	$0	BonusRelatedOrganizationsAmt
Other Compensation Filing Org	$4,327	OtherCompensationFilingOrgAmt
Other Compensation Rltd Orgs	$0	OtherCompensationRltdOrgsAmt
Deferred Compensation Flng Org	$7,234	DeferredCompensationFlngOrgAmt
Deferred Comp Rltd Orgs	$0	DeferredCompRltdOrgsAmt
Nontaxable Benefits Filing Org	$18,649	NontaxableBenefitsFilingOrgAmt
Nontaxable Benefits Rltd Orgs	$0	NontaxableBenefitsRltdOrgsAmt
Total Compensation Filing Org	$202,450	TotalCompensationFilingOrgAmt
Total Compensation Rltd Orgs	$0	TotalCompensationRltdOrgsAmt
Comp Report Prior990 Filing Org	$0	CompReportPrior990FilingOrgAmt
Comp Report Prior990 Rltd Orgs	$0	CompReportPrior990RltdOrgsAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE CREDIT UNION HAS MEMBERS. MEMBERS ARE REQUIRED TO MAINTAIN A MINIMUM BALANCE OF $5.00 ON DEPOSIT IN A SHARE ACCOUNT.
FORM 990, PART VI, SECTION A, LINE 7A	THE MEMBERS OF THE CREDIT UNION ELECT THE MEMBERS OF THE BOARD OF DIRECTORS ONCE A YEAR AT THE ANNUAL MEETING.
FORM 990, PART VI, SECTION A, LINE 7B	THE MEMBERS OF THE CREDIT UNION ELECT THE MEMBERS OF THE BOARD OF DIRECTORS ONCE A YEAR AT THE ANNUAL MEETING.
FORM 990, PART VI, SECTION B, LINE 11B	A THIRD PARTY CPA FIRM IS USED TO COMPLETE THE RETURN. A DRAFT RETURN IS PRESENTED TO THE CFO AND THE CEO FOR REVIEW. ONCE REVIEW OF THE DRAFT IS COMPLETED AND ANY CORRECTIONS ARE MADE, THE RETURN IS FILED.
FORM 990, PART VI, SECTION B, LINE 12C	ANY EMPLOYEE, DIRECTOR OR COMMITTEE MEMBER FROM THIS CREDIT UNION WHO IS OFFERED, RECEIVES OR ANTICIPATES RECEIVING ANYTHING OF VALUE WILL DISCLOSE IT TO THE CREDIT UNION SUPERVISORY COMMITTEE OR DESIGNATED OFFICIAL FOR THIS PURPOSE. THE SUPERVISORY COMMITTEE WILL KEEP WRITTEN RECORDS OF THE DISCLOSURES.
FORM 990, PART VI, SECTION B, LINE 15	PEER SALARY SURVEY DATA AND PERFORMANCE EVALUATIONS ARE USED TO DETERMINE COMPENSATION. COMPENSATION FOR THE CEO IS DETERMINED/REVIEWED BY THE BOARD OF DIRECTORS ANNUALLY. SENIOR MANAGEMENT EMPLOYEES RECEIVE ANNUAL EVALUATIONS BY THE CEO.
FORM 990, PART VI, SECTION C, LINE 19	THE CREDIT UNION HAS A MEMBER ACCESS TO RECORD POLICY IN PLACE. REQUESTS ARE MADE IN WRITING AND FORWARDED TO THE CEO FOR REVIEW PRIOR TO RELEASING INFORMATION. FINANCIAL STATEMENTS ARE POSTED MONTHLY AT EACH BRANCH LOCATION AND THE PUBLIC HAS ACCESS TO REVIEW THE QUARTERLY CALL REPORT ONLINE AT WWW.NCUA.GOV.
FORM 990, PART XI, LINE 9:	CUMULATIVE EFFECT FROM CHANGE IN ACCOUNTING PRINCIPLE -83,389.
FORM 990, PART XII, LINE 2C:	THERE WERE NO CHANGES IN THE PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY OF THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR.