CREDIT UNIONS CHARTERED IN THE STATE OF SOUTH CAROLINA: Form 990, tax year 2022

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS CHARTERED IN THE STATE OF SOUTH CAROLINA (EIN 57-0379898)
Tax period: 2022-01-01 to 2022-12-31
Filed: 2023-10-18
IRS object ID: 202342919349300629
Schema version: 2022v5.0
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	2023-10-18T12:41:58-04:00	ReturnTs
Tax Period End	2022-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	570568919	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	CANTEY TILLER PIERCE & GREEN LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 862	AddressLine1Txt
City	CAMDEN	CityNm
State Abbreviation	SC	StateAbbreviationCd
ZIP	29021	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2022-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	570379898	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	SANT	BusinessNameControlTxt
Phone	8437614001	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	612 REMBERT C DENNIS BLVD	AddressLine1Txt
City	MONCKS CORNER	CityNm
State Abbreviation	SC	StateAbbreviationCd
ZIP	29461	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	MELYNDA CIOCHETTI CHAMPION	PersonNm
Person Title	PRESIDENT/CEO	PersonTitleTxt
Phone	8437614001	PhoneNum
Signature	2023-10-18	SignatureDt

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	MELYNDA	PersonFirstNm
Person Last	CHAMPION	PersonLastNm

Field	Value	IRS element (for citing)
SSN	XXX-XX-XXXX	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	JANET M PIERCE	PreparerPersonNm
PTIN	P00498837	PTIN
Phone	8034321436	PhoneNum
Preparation	2023-10-18	PreparationDt

Field	Value	IRS element (for citing)
Tax	2022	TaxYr
Build TS	2023-04-26 12:10:37Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Amended Return	Yes (X)	AmendedReturnInd
Principal Officer	MELYNDA CIOCHETTI CHAMPION	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	612 REMBERT C DENNIS BLVD	AddressLine1Txt
City	MONCKS CORNER	CityNm
State Abbreviation	SC	StateAbbreviationCd
ZIP	29461	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$3,214,849	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.SANTEECOOPERCREDITUNION.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1953	FormationYr
Legal Domicile State	SC	LegalDomicileStateCd
Activity Or Mission	SANTEE COOPER CREDIT UNION IS A STATE CHARTERED CREDIT UNION PROVIDING TWO PRIMARY NEEDS. THE FIRST IS THAT OF PROVIDING A CONVENIENT DEPOSITORY FOR ITS MEMBERS' FUNDS WHEREBY INDIVIDUALS MAY ENGAGE IN A SYSTEMATIC PLAN OF SAVINGS AND EARN A COMPETITIVE RATE OF RETURN. SECONDLY, THE CREDIT UNION SERVES AS A SOURCE OF FINANCIAL ASSISTANCE TO AID ITS MEMBERS WITH THEIR CONSUMER AND FINANCIAL NEEDS BY PROVIDING REASONABLE AND AFFORABLE LOANS TO QUALIFIED MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	24	TotalEmployeeCnt
Total Gross UBI	$0	TotalGrossUBIAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$1,882,548	PYProgramServiceRevenueAmt
CY Program Service Revenue	$1,963,655	CYProgramServiceRevenueAmt
PY Investment Income	$76,473	PYInvestmentIncomeAmt
CY Investment Income	$318,114	CYInvestmentIncomeAmt
PY Other Revenue	$1,003,751	PYOtherRevenueAmt
CY Other Revenue	$933,080	CYOtherRevenueAmt
PY Total Revenue	$2,962,772	PYTotalRevenueAmt
CY Total Revenue	$3,214,849	CYTotalRevenueAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$1,179,496	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$1,323,078	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$1,090,477	PYOtherExpensesAmt
CY Other Expenses	$1,095,225	CYOtherExpensesAmt
PY Total Expenses	$2,269,973	PYTotalExpensesAmt
CY Total Expenses	$2,418,303	CYTotalExpensesAmt
PY Revenues Less Expenses	$692,799	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$796,546	CYRevenuesLessExpensesAmt
Total Assets BOY	$74,751,684	TotalAssetsBOYAmt
Total Assets EOY	$78,167,946	TotalAssetsEOYAmt
Total Liabilities BOY	$66,409,424	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$69,029,140	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$8,342,260	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$9,138,806	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	SANTEE COOPER CREDIT UNION IS A STATE CHARTERED CREDIT UNION PROVIDING TWO PRIMARY NEEDS. THE FIRST IS THAT OF PROVIDING A CONVENIENT DEPOSITORY FOR ITS MEMBERS' FUNDS WHEREBY INDIVIDUALS MAY ENGAGE IN A SYSTEMATIC PLAN OF SAVINGS AND EARN A COMPETITIVE RATE OF RETURN. SECONDLY, THE CREDIT UNION SERVES AS A SOURCE OF FINANCIAL ASSISTANCE TO AID ITS MEMBERS WITH THEIR CONSUMER AND FINANCIAL NEEDS BY PROVIDING REASONABLE AND AFFORABLE LOANS TO QUALIFIED MEMBERS.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	SANTEE COOPER CREDIT UNION IS A STATE CHARTERED CREDIT UNION PROVIDING TWO PRIMARY NEEDS. THE FIRST IS THAT OF PROVIDING A CONVENIENT DEPOSITORY FOR ITS MEMBERS' FUNDS WHEREBY INDIVIDUALS MAY ENGAGE IN A SYSTEMATIC PLAN OF SAVINGS AND EARN A COMPETITIVE RATE OF RETURN. SECONDLY, THE CREDIT UNION SERVES AS A SOURCE OF FINANCIAL ASSISTANCE TO AID ITS MEMBERS WITH THEIR CONSUMER AND FINANCIAL NEEDS BY PROVIDING REASONABLE AND AFFORDABLE LOANS TO QUALIFIED MEMBERS.	Desc
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	false	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	false	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	754	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	false	BackupWthldComplianceInd
Employee	24	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	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	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	false	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	false	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	ANTUAN CROMEDY	PersonNm
Phone	8437614001	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	612 REMBERT C DENNIS BLVD	AddressLine1Txt
Address Line2	612 REMBERT S DENNIS BLVD	AddressLine2Txt
City	MONCKS CORNER	CityNm
State Abbreviation	SC	StateAbbreviationCd
ZIP	29461	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (11 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd
MELYNDA CIOCHETTI CHAMPION
PRESIDENT/CE	40.00	Yes (X)	$162,260	$0	$21,048
RHONDA ROSENBERGER
VICE PRESIDE	40.00	Yes (X)	$104,387	$0	$3,398
WILLIAM K BARLOW
BOARD MEMBER	1.00		$0	$0	$0	Yes (X)
TAJAIVA BESS
BOARD MEMBER	1.00		$0	$0	$0	Yes (X)
ROSA LEE DEAVERS
BOARD MEMBER	1.00		$0	$0	$0	Yes (X)
WILLIAM FINN
CHAIR	1.00		$0	$0	$0	Yes (X)
VERNON HARDEE
BOARD MEMBER	1.00		$0	$0	$0	Yes (X)
DENNY THOMPSON
TREASURER	1.00		$0	$0	$0	Yes (X)
KAREN WHALEY
VICE CHAIR	1.00		$0	$0	$0	Yes (X)
BRITTANY WHITE
BOARD MEMBER	1.00		$0	$0	$0	Yes (X)
CHRIS WILSON
BOARD MEMBER	1.00		$0	$0	$0	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$266,647	TotalReportableCompFromOrgAmt
Total Other Compensation	$24,446	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	2	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)

Business Name Line2ContractorName/BusinessName/BusinessNameLine2Txt	Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt	Address Line2ContractorAddress/USAddress/AddressLine2Txt
CU ANSWERS
CU ANSWERS	4635 44TH ST SE	KENTWOOD	MI	49512	DATA PROCESSOR	$187,179
BLUE CROSS BLUE SHIELD
BLUE CROSS BLUE SHIELD	PO BOX 100300	COLUMBIA	SC	29202	HEALTH INSURANC	$148,839	PO BOX 100300

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

Program Service Revenue ProgramServiceRevenueGrp

Field	Value	IRS element (for citing)
Desc	INTEREST ON LOANS	Desc
Business	522291	BusinessCd
Total Revenue Column	$1,963,655	TotalRevenueColumnAmt
Related Or Exempt Func Income	$1,963,655	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$1,963,655	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$318,114	TotalRevenueColumnAmt
Exclusion	$318,114	ExclusionAmt

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	MISC OPERATING INCOM	Desc
Total Revenue Column	$933,080	TotalRevenueColumnAmt
Related Or Exempt Func Income	$933,080	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$933,080	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$3,214,849	TotalRevenueColumnAmt
Related Or Exempt Func Income	$2,896,735	RelatedOrExemptFuncIncomeAmt
Exclusion	$318,114	ExclusionAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$980,620	TotalAmt
Program Services	$882,558	ProgramServicesAmt
Management And General	$98,062	ManagementAndGeneralAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$87,125	TotalAmt
Program Services	$87,125	ProgramServicesAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$255,333	TotalAmt
Program Services	$229,800	ProgramServicesAmt
Management And General	$25,533	ManagementAndGeneralAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$226,378	TotalAmt
Program Services	$205,250	ProgramServicesAmt
Management And General	$21,128	ManagementAndGeneralAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$55,865	TotalAmt
Program Services	$55,865	ProgramServicesAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$171,223	TotalAmt
Program Services	$171,223	ProgramServicesAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$25,808	TotalAmt
Program Services	$25,808	ProgramServicesAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$3,310	TotalAmt
Program Services	$3,310	ProgramServicesAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$141,068	TotalAmt
Program Services	$141,068	ProgramServicesAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$38,069	TotalAmt
Program Services	$38,069	ProgramServicesAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt	Program ServicesProgramServicesAmt
OFFICE OPERATION EXPENSE	$117,709	$117,709
VISA EXPENSES	$85,976	$85,976
PROVISION FOR LOAN LOSS	$76,300	$76,300
LOAN SERVICING EXPENSES	$62,997	$62,997

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$90,522	TotalAmt
Program Services	$90,522	ProgramServicesAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$2,418,303	TotalAmt
Program Services	$2,273,580	ProgramServicesAmt
Management And General	$144,723	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$1,134,087	BOYAmt
EOY	$1,016,815	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$28,671,858	BOYAmt
EOY	$27,122,355	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$26,612	BOYAmt
EOY	$29,507	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$43,469,541	BOYAmt
EOY	$48,453,187	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$29,842	BOYAmt
EOY	$36,429	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$1,790,788	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$1,113,655	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$718,901	BOYAmt
EOY	$677,133	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$700,843	BOYAmt
EOY	$832,520	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$74,751,684	BOYAmt
EOY	$78,167,946	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$553,788	BOYAmt
EOY	$737,726	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$65,855,636	BOYAmt
EOY	$68,291,414	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$66,409,424	BOYAmt
EOY	$69,029,140	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	$8,342,260	BOYAmt
EOY	$9,138,806	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$8,342,260	BOYAmt
EOY	$9,138,806	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$74,751,684	BOYAmt
EOY	$78,167,946	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$796,546	ReconcilationRevenueExpnssAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	false	FSAuditedInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$253,823	OtherCostOrOtherBasisAmt
Book Value	$253,823	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,092,231	OtherCostOrOtherBasisAmt
Depreciation	$677,284	DepreciationAmt
Book Value	$414,947	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$16,850	OtherCostOrOtherBasisAmt
Depreciation	$13,150	DepreciationAmt
Book Value	$3,700	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$427,884	OtherCostOrOtherBasisAmt
Depreciation	$423,221	DepreciationAmt
Book Value	$4,663	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$677,133	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	SHARES	Desc
Amt	$68,291,414	Amt

Field	Value	IRS element (for citing)
Total Liability	$68,291,414	TotalLiabilityAmt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
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	MELYNDA CIOCHETTI CHAMPION	PersonNm
Title	PRESIDENT/CEO	TitleTxt
Base Compensation Filing Org	$162,260	BaseCompensationFilingOrgAmt
Deferred Compensation Flng Org	$16,651	DeferredCompensationFlngOrgAmt
Nontaxable Benefits Filing Org	$4,397	NontaxableBenefitsFilingOrgAmt
Total Compensation Filing Org	$183,308	TotalCompensationFilingOrgAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PAGE 1, ITEM B	UPDATE ADDRESS AND OFFICER COMPENSATION
FORM 990 - ORGANIZATION'S MISSION	SANTEE COOPER CREDIT UNION IS A STATE CHARTERED CREDIT UNION PROVIDING TWO PRIMARY NEEDS. THE FIRST IS THAT OF PROVIDING A CONVENIENT DEPOSITORY FOR ITS MEMBERS' FUNDS WHEREBY INDIVIDUALS MAY ENGAGE IN A SYSTEMATIC PLAN OF SAVINGS AND EARN A COMPETITIVE RATE OF RETURN. SECONDLY, THE CREDIT UNION SERVES AS A SOURCE OF FINANCIAL ASSISTANCE TO AID ITS MEMBERS WITH THEIR CONSUMER AND FINANCIAL NEEDS BY PROVIDING REASONABLE AND AFFORABLE LOANS TO QUALIFIED MEMBERS.
FORM 990, PAGE 6, PART VI, LINE 6	THE ORGANIZATION HAS APPROXIMATELY 6,925 MEMEMBERS. EACH MEMBER HAS A 5 SHARE DEPOSIT AND IS ENTITLED TO ONE VOTE FOR THE GOVERNING BODY/BOARD OF DIRECTORS.
FORM 990, PAGE 6, PART VI, LINE 7A	MEMBERS OF THE CREDIT UNION ELECT THOSE POSITIONS THAT HAVE TO BE FILLED WHEN A BOARD MEMBER'S TERM IS COMPLETED. THEY CAN CHOOSE TO RE-ELECT THE SAME BOARD MEMBER IF THE PERSON CHOOSES TO CONTINUE TO FULFILL THIS DUTY OR A DIFFERENT PERSON TO FILL THE POSITION.
FORM 990, PAGE 6, PART VI, LINE 11B	THE ACCOUNTING COORDINATOR, ANTUAN CROMEDY, AND THE CEO, MELYNDA CHAMPION, REVIEW THE FORM 990 AND MAKE NECESSARY CHANGES BEFORE FILING.
FORM 990, PAGE 6, PART VI, LINE 15A	THE COMPENSATION OF THE CEO OF THE CREDIT UNION IS REVIEWED YEARLY BY THE BOARD OF DIRECTORS. COMPENSATION IS BASED ON MARKET RESEARCH, THE GOALS COMPLETED IN THE PREVIOUS YEAR, AND THE OVERAL HEALTH AND STABILITY OF THE CREDIT UNION.
FORM 990, PAGE 6, PART VI, LINE 19	COPIES OF FINANCIAL STATEMENTS ARE POSTED WITHIN THE BRANCH OF SANTEE COOPER CREDIT UNION EVERY MONTH. THE STATE BOARD OF FINANCIAL INSTITUTIONS HOLDS THE SANTEE COOPER CREDIT UNION'S CHARTER AND OTHER GOVERNING DOCUMENTS. THESE ARE AVAILABLE FOR ANYONE UPON REQUEST. THE SANTEE COOPER CREDIT UNION ALSO PROVIDES QUARTERLY NEWLSETTERS. ANY SPECIFIC INFO SUCH AS CONFLICT OF INTEREST POLICIES ARE AVAILABLE UPON REQUEST.
FORM 990, PART XI, LINE 9	ROUNDING 0