CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN: Form 990, tax year 2021

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN (EIN 38-1642684)
Tax period: 2021-01-01 to 2021-12-31
Filed: 2022-11-07
IRS object ID: 202223119349303092
Schema version: 2021v4.2
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 O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2022-11-07T14:45:34-06:00	ReturnTs
Tax Period End	2021-12-31	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	305 W BIG BEAVER ROAD	AddressLine1Txt
City	TROY	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48084	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2021-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	381642684	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CREDIT UNIONS CHARTERED IN THE STATE OF	BusinessNameLine1Txt
Business Name Line2	MI 510 SUNRISE FAMILY CREDIT UNION	BusinessNameLine2Txt

Field	Value	IRS element (for citing)
Business Name Control	CRED	BusinessNameControlTxt
Phone	9896841730	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	404 SOUTH EUCLID AVE	AddressLine1Txt
City	BAY CITY	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	487063206	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	BARBARA WEILER	PersonNm
Person Title	PRESIDENT/CEO	PersonTitleTxt
Phone	9896841730	PhoneNum
Signature	2022-11-07	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	BARBARA	PersonFirstNm
Person Last	WEILER	PersonLastNm

Field	Value	IRS element (for citing)
SSN	999009999	SSN

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	BRANDON M WILSON	PreparerPersonNm
PTIN	P02447970	PTIN
Phone	2482443000	PhoneNum
Preparation	2022-11-07	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	2021	TaxYr
Build TS	2022-09-23 18:48:47Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	BARBARA WEILER	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	404 SOUTH EUCLID AVE	AddressLine1Txt
City	BAY CITY	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	487063206	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$4,672,595	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.SUNRISEFAMILYCU.ORG	WebsiteAddressTxt
Type Of Organization Other	Yes (X)	TypeOfOrganizationOtherInd
Other Organization Dsc	CREDIT UNION	OtherOrganizationDsc
Formation	1956	FormationYr
Legal Domicile State	MI	LegalDomicileStateCd
Activity Or Mission	TO PROVIDE FINANCIAL SERVICES TO MEMBER OWNERS WITH A COMMON BOND.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	49	TotalEmployeeCnt
Total Volunteers	12	TotalVolunteersCnt
Total Gross UBI	$119,234	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$3,887,697	PYProgramServiceRevenueAmt
CY Program Service Revenue	$3,724,191	CYProgramServiceRevenueAmt
PY Investment Income	$892,312	PYInvestmentIncomeAmt
CY Investment Income	$948,404	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$4,780,009	PYTotalRevenueAmt
CY Total Revenue	$4,672,595	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	$1,939,102	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$1,923,876	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$2,634,937	PYOtherExpensesAmt
CY Other Expenses	$2,617,030	CYOtherExpensesAmt
PY Total Expenses	$4,574,039	PYTotalExpensesAmt
CY Total Expenses	$4,540,906	CYTotalExpensesAmt
PY Revenues Less Expenses	$205,970	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$131,689	CYRevenuesLessExpensesAmt
Total Assets BOY	$134,011,246	TotalAssetsBOYAmt
Total Assets EOY	$148,912,549	TotalAssetsEOYAmt
Total Liabilities BOY	$121,737,121	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$137,753,149	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$12,274,125	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$11,159,400	NetAssetsOrFundBalancesEOYAmt
Mission	MEMBER OWNED AND MEMBER CONTROLLED FINANCIAL COOPERATIVE DEDICATED TO PROVIDING SOUND COMPREHENSIVE FINANCIAL SERVICES TO ITS FAMILY OF MEMBERS.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	PROVIDE 14,473 MEMBERS WITH REGULAR SAVINGS, SHARE DRAFTS, CERTIFICATE OF DEPOSIT, IRA, MONEY MARKET AND CLUB ACCOUNTS TOTALING 20,830.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	PROVIDE 5,280 LOANS INCLUDING VEHICLE, PERSONAL, HOME EQUITY, MORTGAGE BUSINESS, OVERDRAFT, SHARE SECURED, INDIRECT AND CREDIT CARD LOANS.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, MONEY ORDERS, NO COST BILL PAYER, STUDENT SCHOLARSHIPS, FINANCIAL LITERACY WORKSHOPS IN-SCHOOL, BRANCHES, COURTESY PAY AND VARIOUS INSURANCE PROGRAMS.	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	Yes (1)	ReportInvestmentsOtherSecInd
Report Program Related Invst	Yes (1)	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	2150	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	49	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
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	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	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

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Phone	9896841730	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	404 SOUTH EUCLID AVENUE	AddressLine1Txt
City	BAY CITY	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48706	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (9 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd
JUDY FLETCHER
CHAIRPERSON	1.00	Yes (X)	$0	$0	$0
DAVID ROYAL
VICE CHAIRPERSON	1.00	Yes (X)	$0	$0	$0
JAMES VOSS
SECRETARY	1.00	Yes (X)	$0	$0	$0
DAVID WOLTHUIS
TREASURER	1.00	Yes (X)	$0	$0	$0
DAVE HUNT
DIRECTOR	1.00	Yes (X)	$0	$0	$0
CJ MONTANA
DIRECTOR	1.00	Yes (X)	$0	$0	$0
LOUIS MEYETTE
DIRECTOR	1.00	Yes (X)	$0	$0	$0
BARBARA WEILER
PRESIDENT/CEO	40.00		$186,777	$0	$69,892	Yes (X)
REBECCA ARNOLD
VP ACCOUNTING	40.00		$81,069	$0	$25,254	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$267,846	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$95,146	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	1	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (4 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
FISERV
75 REMITTANCE DRIVE	CHICAGO	IL	606751649	DATA PROCESSING/HOME BRANCH	$586,518
PSCU
P O BOX 37603	PHILADELPHIA	PA	19101	CREDIT CARDS	$209,451
EFUNDS
9692 HAVEN AVENUE	RANCHO CUCAMONGA	CA	91730	DEBIT/ATM CARDS	$186,086
CO-OP
9692 HAVEN AVENUE	RANCHO CUCAMONGA	CA	91730	DEBIT/ATM CARDS	$181,503

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	4	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
LOAN INTEREST INCOME	522100	$2,167,090	$2,167,090
FEE AND OTHER INCOME	522100	$1,437,867	$1,437,867
FINANCE AND INSURANCE	520000	$119,234		$119,234

Field	Value	IRS element (for citing)
Total Program Service Revenue	$3,724,191	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$948,404	TotalRevenueColumnAmt
Exclusion	$948,404	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$4,672,595	TotalRevenueColumnAmt
Related Or Exempt Func Income	$3,604,957	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$119,234	UnrelatedBusinessRevenueAmt
Exclusion	$948,404	ExclusionAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part IX	Yes (X)	InfoInScheduleOPartIXInd

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$362,992	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,100,254	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$163,563	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$186,884	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$110,183	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$2,175	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$39,718	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$830,149	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$132,235	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$374,295	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$327,395	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$255,594	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$2,704	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$29,447	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$149,868	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$75,264	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$52,134	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
LOAN SERVICING	$340,218
MISCELLANEOUS OPERATING	$56,220
ASSOCIATION DUES/EXAM F	$32,790
PROVISION FOR LOAN LOSS	-$83,176

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$4,540,906	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$2,688,914	BOYAmt
EOY	$1,500,295	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$245,469	BOYAmt
EOY	$247,660	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$386,524	BOYAmt
EOY	$977,161	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$45,593,583	BOYAmt
EOY	$42,312,504	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$210,974	BOYAmt
EOY	$156,732	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$6,933,552	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$3,025,320	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$4,045,318	BOYAmt
EOY	$3,908,232	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$45,893,910	BOYAmt
EOY	$67,758,617	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$33,409,217	BOYAmt
EOY	$30,170,515	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$1,537,337	BOYAmt
EOY	$1,880,833	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$134,011,246	BOYAmt
EOY	$148,912,549	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$319,283	BOYAmt
EOY	$339,553	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$121,417,838	BOYAmt
EOY	$137,413,596	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$121,737,121	BOYAmt
EOY	$137,753,149	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	$12,274,125	BOYAmt
EOY	$11,159,400	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$12,274,125	BOYAmt
EOY	$11,159,400	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$134,011,246	BOYAmt
EOY	$148,912,549	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$131,689	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$1,246,926	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$512	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

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$737,437	OtherCostOrOtherBasisAmt
Book Value	$737,437	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,880,612	OtherCostOrOtherBasisAmt
Depreciation	$1,967,439	DepreciationAmt
Book Value	$2,913,173	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,315,503	OtherCostOrOtherBasisAmt
Depreciation	$1,057,881	DepreciationAmt
Book Value	$257,622	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$3,908,232	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (5 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
CERTIFICATES	$17,584,000	C
CO-OP NETWORK STOCK	$100	C
CU VILLAGE CUSO INVESTMENT	$50,000	C
FEDERAL HOME LOAN BANK STOCK	$192,600	C
FEDERAL AGENCY SECURITIES	$49,931,917	F

Field	Value	IRS element (for citing)
Total Book Value Securities	$67,758,617	TotalBookValueSecuritiesAmt

Invst Program Related Org InvstProgramRelatedOrgGrp

Field	Value	IRS element (for citing)
Desc	ALLOYA CORPORATE FEDERAL CREDIT UNION	Desc
Book Value	$30,170,515	BookValueAmt
Method Valuation	C	MethodValuationCd

Field	Value	IRS element (for citing)
Total Book Value Program Rltd	$30,170,515	TotalBookValueProgramRltdAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARES AND DEPOSITS	Desc
Amt	$137,413,596	Amt

Field	Value	IRS element (for citing)
Total Liability	$137,413,596	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$4,672,595	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$4,672,595	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$4,672,595	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$4,540,906	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$4,540,906	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$4,540,906	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 Committee	Yes (X)	CompensationCommitteeInd
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
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	BARBARA WEILER	PersonNm
Title	PRESIDENT/CEO	TitleTxt
Base Compensation Filing Org	$186,777	BaseCompensationFilingOrgAmt
Compensation Based On Rltd Orgs	$0	CompensationBasedOnRltdOrgsAmt
Bonus Filing Organization	$0	BonusFilingOrganizationAmount
Bonus Related Organizations	$0	BonusRelatedOrganizationsAmt
Other Compensation Filing Org	$0	OtherCompensationFilingOrgAmt
Other Compensation Rltd Orgs	$0	OtherCompensationRltdOrgsAmt
Deferred Compensation Flng Org	$15,113	DeferredCompensationFlngOrgAmt
Deferred Comp Rltd Orgs	$0	DeferredCompRltdOrgsAmt
Nontaxable Benefits Filing Org	$54,779	NontaxableBenefitsFilingOrgAmt
Nontaxable Benefits Rltd Orgs	$0	NontaxableBenefitsRltdOrgsAmt
Total Compensation Filing Org	$256,669	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 (10 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE AND VOTING.
FORM 990, PART VI, SECTION A, LINE 7A	THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP AT THE ANNUAL MEETING. EACH BOARD MEMBER IS ELECTED FOR A THREE YEAR TERM.
FORM 990, PART VI, SECTION A, LINE 7B	CREDIT UNION DECISIONS THAT ARE SUBJECT TO MEMBERSHIP APPROVAL ARE MERGERS.
FORM 990, PART VI, SECTION B, LINE 11B	A REVIEW IS CONDUCTED BY THE VP ACCOUNTING PRIOR TO SUBMISSION TO THE IRS. SUBSEQUENT TO FILING, THE BOARD OF DIRECTORS IS PROVIDED WITH A COPY OF THE 990 RETURNS SUBMITTED.
FORM 990, PART VI, SECTION B, LINE 12C	THE SUPERVISORY COMMITTEE IS RESPONSIBLE FOR MONITORING AND ENFORCING COMPLIANCE. THE COMMITTEE DOES REGULAR AUDITS OF ACCOUNTS AND RELATIONSHIPS.
FORM 990, PART VI, SECTION B, LINE 15	THE BOARD OF DIRECTORS APPOINTS A PERSONNEL COMMITTEE THAT DISTRIBUTES EVALUATION FORMS TO THE BOARD OF DIRECTORS. THE PERSONNEL COMMITTEE'S SUMMARY OF INFORMATION IS PRESENTED TO THE BOARD OF DIRECTORS AND THE PRESIDENT/CEO. THE MCUL COMPENSATION SURVEY IS REVIEWED ANNUALLY. SALARY INCREASES ARE BASED ON PERFORMANCE BY THE PRESIDENT/CEO OF THE STANDARDS THAT WERE SET. THE PRESIDENT/CEO PERFORMS AN EVALUATION OF THE VP ACCOUNTING. SALARY INCREASES ARE GIVEN BY THE PRESIDENT/CEO. THE BOARD OF DIRECTORS APPROVES A SALARY RANGE FOR ALL EMPLOYEES EACH YEAR.
FORM 990, PART VI, SECTION C, LINE 19	FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY. OTHER DOCUMENTS AND POLICIES ARE AVAILABLE FOR REVIEW UPON REQUEST.
FORM 990, PART IX, LINE 11G	OTHER PROFESSIONAL SERVICES 103,999. ATM SERVICES 510,599. PC BANKING 215,551.
FORM 990, PART XI, LINE 9:	CHANGE IN APPROPRIATED STATUTORY RESERVE 512.
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.