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

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS IN THE STATE OF ARIZONIA (EIN 86-0189823)
Tax period: 2021-01-01 to 2021-12-31
Filed: 2022-11-14
IRS object ID: 202223189349317062
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 L
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2022-11-14T16:41:51-06:00	ReturnTs
Tax Period End	2021-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	410746749	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	CLIFTONLARSONALLEN LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	20 EAST THOMAS ROAD SUITE 2300	AddressLine1Txt
City	PHOENIX	CityNm
State Abbreviation	AZ	StateAbbreviationCd
ZIP	85012	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	860189823	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	FIRS	BusinessNameControlTxt
Phone	5208368848	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1001 N PINAL AVENUE	AddressLine1Txt
City	CASA GRANDE	CityNm
State Abbreviation	AZ	StateAbbreviationCd
ZIP	85122	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	PHIL PETERS	PersonNm
Person Title	PRESIDENT & CEO	PersonTitleTxt
Phone	5208368848	PhoneNum
Signature	2022-11-11	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	PHIL	PersonFirstNm
Person Last	PETERS	PersonLastNm

Field	Value	IRS element (for citing)
SSN	999009999	SSN

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	MELISSA HANGSLEBEN	PreparerPersonNm
PTIN	P02087031	PTIN
Phone	6022662248	PhoneNum
Preparation	2022-11-11	PreparationDt

Additional Filer Information AdditionalFilerInformation

Trusted Customer TrustedCustomerGrp

Field	Value	IRS element (for citing)
Trusted Customer	0	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	PHIL PETERS	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1001 N PINAL AVENUE	AddressLine1Txt
City	CASA GRANDE	CityNm
State Abbreviation	AZ	StateAbbreviationCd
ZIP	85122	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$5,420,369	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.FIRSTAMERICAN.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1962	FormationYr
Legal Domicile State	AZ	LegalDomicileStateCd
Activity Or Mission	A NON-PROFIT COOPERATIVE THAT PROVIDES BANKING PRODUCTS AND SERVICE TO ITS MEMBERSHIP.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	40	TotalEmployeeCnt
Total Volunteers	9	TotalVolunteersCnt
Total Gross UBI	$69,121	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$19,333	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$4,150,869	PYProgramServiceRevenueAmt
CY Program Service Revenue	$4,212,481	CYProgramServiceRevenueAmt
PY Investment Income	$286,912	PYInvestmentIncomeAmt
CY Investment Income	$206,296	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$4,437,781	PYTotalRevenueAmt
CY Total Revenue	$4,418,777	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$198,318	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$116,266	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$1,920,640	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$1,761,273	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$1,899,928	PYOtherExpensesAmt
CY Other Expenses	$2,244,518	CYOtherExpensesAmt
PY Total Expenses	$4,018,886	PYTotalExpensesAmt
CY Total Expenses	$4,122,057	CYTotalExpensesAmt
PY Revenues Less Expenses	$418,895	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$296,720	CYRevenuesLessExpensesAmt
Total Assets BOY	$95,034,394	TotalAssetsBOYAmt
Total Assets EOY	$109,604,359	TotalAssetsEOYAmt
Total Liabilities BOY	$88,705,812	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$102,981,091	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$6,328,582	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$6,623,268	NetAssetsOrFundBalancesEOYAmt
Mission	FIRST AMERICAN CREDIT UNION IS A NON-PROFIT COOPERATIVE THAT PROVIDES BANKING PRODUCTS AND SERVICES TO ITS MEMBERSHIP. OUR MISSION IS TO CREATE FINANCIAL INDEPENDENCE, PROMOTE DIVERSITY AND SERVE HARD-WORKING FAMILIES.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	FIRST AMERICAN CREDIT UNION IS A NON-PROFIT COOPERATIVE FULLY OWNED BY APPROXIMATELY 12,300 MEMBERS. THE CREDIT UNION PROVIDES A VARIETY OF BANKING SERVICES, SUCH AS CONSUMER LENDING, BILL PAYMENT, MOBILE/HOME BANKING, DEPOSIT/TRANSACTIONAL ACCOUNTS, IRA ACCOUNTS, DEBIT/CREDIT CARD SERVICES, ATM AND OTHER FINANCIAL SERVICES.	Desc

Prog Srvc Accom Acty Other ProgSrvcAccomActyOtherGrp

Field	Value	IRS element (for citing)
Expense	$4,058,910	ExpenseAmt

Field	Value	IRS element (for citing)
Total Other Prog Srvc Expense	$4,058,910	TotalOtherProgSrvcExpenseAmt
Total Program Service Expenses	$4,058,910	TotalProgramServiceExpensesAmt
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	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	Yes (1)	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	0	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	Yes (1)	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	Yes (1)	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	721	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Employee	40	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	0	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	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	0	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	CORY LONZO	PersonNm
Phone	5208368848	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1001 N PINAL AVENUE	AddressLine1Txt
City	CASA GRANDE	CityNm
State Abbreviation	AZ	StateAbbreviationCd
ZIP	85122	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (9 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt
JR MCEVOY
CHAIR	1.00	Yes (X)	Yes (X)	$0	$0	$0
CLIFF KINSER
VICE-CHAIR	1.00	Yes (X)	Yes (X)	$0	$0	$0
JANICE WEAVER
SECRETARY	1.00	Yes (X)	Yes (X)	$0	$0	$0
SYLVIA MEJIA
TREASURER	1.00	Yes (X)	Yes (X)	$0	$0	$0
JOSEPH HARDY
DIRECTOR	1.00	Yes (X)		$0	$0	$0
DUANE WALLACE
DIRECTOR	1.00	Yes (X)		$0	$0	$0
STEVE HUDSON
DIRECTOR	1.00	Yes (X)		$0	$0	$0
PHIL PETERS
PRESIDENT & CEO	40.00		Yes (X)	$73,500	$0	$7,633
FRANK MESQUITA
CFO	40.00		Yes (X)	$75,500	$0	$6,364

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$149,000	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$13,997	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	0	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	0	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (3 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
PSCU
560 CARILLON PARKWAY	ST PETERSBUG	FL	33716	DEBIT AND CREDIT CARD PROCESSING	$1,219,250
TECHPRO LLC
3498 N SAN MARCOS PLACE STE 12	CHANDLER	AZ	85225	ATM SERVICES	$187,061
CUPRODIGY LLC
420 E SOUTH TEMPLE SUITE 520	SALT LAKE	UT	84111	CORE COMPUTER SYSTEM	$170,323

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	3	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
FEE INCOME	522100	$2,347,758	$2,278,637	$69,121
LOAN INCOME	522100	$1,864,723	$1,864,723

Field	Value	IRS element (for citing)
Total Program Service Revenue	$4,212,481	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$209,888	TotalRevenueColumnAmt
Exclusion	$209,888	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$998,000	SecuritiesAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$1,000,000	SecuritiesAmt
Other	$1,592	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	-$2,000	SecuritiesAmt
Other	-$1,592	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$3,592	TotalRevenueColumnAmt
Exclusion	-$3,592	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$4,418,777	TotalRevenueColumnAmt
Related Or Exempt Func Income	$4,143,360	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$69,121	UnrelatedBusinessRevenueAmt
Exclusion	$206,296	ExclusionAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$116,266	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$162,997	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,330,739	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	-$23,928	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$171,351	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$120,114	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$22,226	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$40,022	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$60,645	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$20,144	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$258,549	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$268,673	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$287,762	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$2,779	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$859	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$127,232	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$44,288	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
BANK AND CREDIT CARD FE	$638,536
INTERCHANGE TERMINAL	$354,185
LOAN FEES	$67,581
OTHER EXPENSES	$51,037

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$4,122,057	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$17,167,348	BOYAmt
EOY	$15,766,889	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$29,196,728	BOYAmt
EOY	$37,366,187	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$24,749	BOYAmt
EOY	$60,058	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$37,295,764	BOYAmt
EOY	$37,702,940	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$100,347	BOYAmt
EOY	$109,096	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$2,897,328	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$1,936,085	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$918,447	BOYAmt
EOY	$961,243	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$3,068,451	BOYAmt
EOY	$6,412,534	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$6,435,509	BOYAmt
EOY	$9,671,509	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$827,051	BOYAmt
EOY	$1,553,903	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$95,034,394	BOYAmt
EOY	$109,604,359	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$1,191,780	BOYAmt
EOY	$1,332,908	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$87,514,032	BOYAmt
EOY	$101,648,183	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$88,705,812	BOYAmt
EOY	$102,981,091	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	$6,328,582	BOYAmt
EOY	$6,623,268	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$6,328,582	BOYAmt
EOY	$6,623,268	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$95,034,394	BOYAmt
EOY	$109,604,359	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$296,720	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$65,181	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$63,147	OtherChangesInNetAssetsAmt
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)
Consolidated Basis Fincl Stmt	Yes (X)	ConsolidatedBasisFinclStmtInd

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	$390,114	OtherCostOrOtherBasisAmt
Book Value	$390,114	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,095,061	OtherCostOrOtherBasisAmt
Depreciation	$734,482	DepreciationAmt
Book Value	$360,579	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$24,879	OtherCostOrOtherBasisAmt
Depreciation	$23,102	DepreciationAmt
Book Value	$1,777	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,387,274	OtherCostOrOtherBasisAmt
Depreciation	$1,178,501	DepreciationAmt
Book Value	$208,773	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$961,243	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (3 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
PERPETUAL CONTRIBUTED CAPITAL ACCOUNT	$210,509	C
CERTIFICATES OF DEPOSIT IN OTHER FINANCIAL INSTITUTIONS	$8,961,000	C
SECONDARY CAPITAL BOND	$500,000	C

Field	Value	IRS element (for citing)
Total Book Value Securities	$9,671,509	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBERS' SHARE AND SAVINGS ACCOUNT	Desc
Amt	$101,648,183	Amt

Field	Value	IRS element (for citing)
Total Liability	$101,648,183	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd

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, UNDER INTERNAL REVENUE CODE (IRC) 501(C)(14), FROM FEDERAL AND STATE INCOME TAXES. THE CREDIT UNION HAS FILED TAX RETURNS IN THE PAST FOR ACTIVITIES IT HAS DEEMED TAXABLE. THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES, AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES POTENTIALLY DEEMED TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2021 AND 2020. THE CREDIT UNION'S 2018 THROUGH 2020 TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES. THE INCOME FROM THE CUSO, ORGANIZED AS AN LLC, FLOWS THROUGH TO THE CREDIT UNION AND, THEREFORE, IS NOT SUBJECT TO FEDERAL AND STATE INCOME TAXES.	ExplanationTxt

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (3 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
STEVE HUDSON
BOARD MEMBER	HELOC	Yes (X)	$24,053	$20,407	0	Yes (1)	Yes (1)
SYLVIA MEJIA
BOARD MEMBER	CREDIT CARD	Yes (X)	$8,500	$3,430	0	Yes (1)	Yes (1)
DUANE WALLACE
BOARD MEMBER	HOME EQUITY LOAN	Yes (X)	$40,000	$36,221	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$60,058	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	PARTICIPATION IN THIS CREDIT UNION IS LIMITED TO THOSE WHO QUALIFY FOR MEMBERSHIP AS DEFINED IN THE CREDIT UNION'S CHARTER AND BYLAWS. THIS GENERALLY CONSISTS OF MEMBERS OF BOTH THE NAVAJO AND TOHONO O'ODHAM NATIONS, AND OF THOSE WHO LIVE, WORK, WORSHIP, OR GO TO SCHOOL IN PINAL COUNTY, ARIZONA. IN ADDITION TO A REGULARLY QUALIFIED MEMBER, THE SPOUSE OF A MEMBER, THE BLOOD OR ADOPTIVE RELATIVES OF EITHER OF THEM AND THEIR SPOUSES MAY BE MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7A	MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL BOARD MEETING.
FORM 990, PART VI, SECTION A, LINE 7B	BYLAW AMENDMENTS MUST BE RATIFIED BY MEMBERS AT THE ANNUAL MEETING.
FORM 990, PART VI, SECTION A, LINE 8B	THERE ARE NO COMMITTEES THAT HAVE AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY.
FORM 990, PART VI, SECTION B, LINE 11B	THE FORM 990 IS PREPARED BY THE ORGANIZATION'S PUBLIC ACCOUNTING FIRM BASED ON INFORMATION PROVIDED BY MANAGEMENT. ONCE THE DRAFT IS AVAILABLE, IT IS REVIEWED BY MANAGEMENT AND ANY CHANGES INCORPORATED INTO THE FILING. ONCE THIS DETAILED REVIEW IS COMPLETE, THE DRAFT OF THE FORM 990 IS PRESENTED TO THE BOARD OF DIRECTORS FOR THEIR REVIEW AND COMMENTS PRIOR TO FILING WITH THE IRS.
FORM 990, PART VI, SECTION B, LINE 12C	THE CREDIT UNION HAS AN ETHICS AND WHISTLEBLOWER POLICY WHICH MANDATES THAT EACH OFFICIAL AND EMPLOYEE OF THE CREDIT UNION MUST SIGN UPON WORKING WITH THE CREDIT UNION. EACH BOARD MEMBER AND EMPLOYEE MUST SIGN AN UPDATED STATEMENT ANNUALLY. THE CONFLICT OF INTEREST POLICY IS REVIEWED BY THE BOARD OF DIRECTORS ANNUALLY AND DISCUSSED IN AWARENESS MEETINGS.
FORM 990, PART VI, SECTION B, LINE 15A	THE BOARD OF DIRECTORS IS RESPONSIBLE FOR REVIEWING AND APPROVING THE COMPENSATION OF THE CEO. THE BOARD REVIEWS AN ANALYSIS OF 990'S FROM STATE CHARTERED CREDIT UNIONS TO DETERMINE THE CEO'S COMPENSATION. THE BOARD CHAIR DOCUMENTS THE COMPENSATION AMOUNTS. THE CEO REVIEWS AND APPROVES ALL OTHER COMPENSATION IN ACCORDANCE WITH THE BOARD APPROVED BUDGET. OTHER OFFICER AND KEY EMPLOYEE'S COMPENSATION IS BASED ON A FORMAL REVIEW THAT IS COMPLETED BY THE CEO. THERE IS A REVIEW OF INDUSTRY SPECIFIC SALARY SURVEY INFORMATION AND IS PERFORMED BY THE CEO WITH THE DECISION DOCUMENTED IN THE EMPLOYEE FILE AND PAYROLL SYSTEM.
FORM 990, PART VI, SECTION C, LINE 19	THE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE UPON REQUEST.
FORM 990, PART XI, LINE 9:	CREDIT FOR LOAN LOSSES 63,147.

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp

Disregarded Entity Name DisregardedEntityName

Field	Value	IRS element (for citing)
Business Name Line1	FIRST AMERICAN ASSURANCE AGENCY LLC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1001 N PINAL AVENUE	AddressLine1Txt
City	CASA GRANDE	CityNm
State Abbreviation	AZ	StateAbbreviationCd
ZIP	85122	ZIPCd

Field	Value	IRS element (for citing)
EIN	471089501	EIN
Primary Activities	INSURANCE	PrimaryActivitiesTxt
Legal Domicile State	AZ	LegalDomicileStateCd
Total Income	$8,398	TotalIncomeAmt
End Of Year Assets	$12,837	EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

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