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      <MissionDesc>To provide an atmosphere of caring by making available to members,of all walks of life, consumer lending services, financial transactions, participation and access to a wide range of insurance benefits and coverage; and to conduct a well- managed and financially sound credit union with acceptance and respect in the community.</MissionDesc>
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        <EOYAmt>913630</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>13910112</BOYAmt>
        <EOYAmt>13783074</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <ReconcilationRevenueExpnssAmt>251896</ReconcilationRevenueExpnssAmt>
      <OtherChangesInNetAssetsAmt>0</OtherChangesInNetAssetsAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>0</AccountantCompileOrReviewInd>
      <FSAuditedInd>0</FSAuditedInd>
      <FederalGrantAuditRequiredInd>0</FederalGrantAuditRequiredInd>
    </IRS990>
    <IRS990ScheduleD documentId="RetDoc1040000001">
      <BuildingsGrp>
        <OtherCostOrOtherBasisAmt>242320</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>228817</DepreciationAmt>
        <BookValueAmt>13503</BookValueAmt>
      </BuildingsGrp>
      <TotalBookValueLandBuildingsAmt>13503</TotalBookValueLandBuildingsAmt>
      <OtherSecuritiesGrp>
        <Desc>CERTIFICATE OF DEPOSITS AND TERM SHARE LOANS</Desc>
        <BookValueAmt>4233000</BookValueAmt>
        <MethodValuationCd>F</MethodValuationCd>
      </OtherSecuritiesGrp>
      <OtherSecuritiesGrp>
        <Desc>CORPORATE CREDIT UNION CAPITALIZATION /DEPOSITS</Desc>
        <BookValueAmt>19913</BookValueAmt>
        <MethodValuationCd>F</MethodValuationCd>
      </OtherSecuritiesGrp>
      <OtherSecuritiesGrp>
        <Desc>CERTIFICATE OF DEPOSITS IN CREDIT UNIONS</Desc>
        <BookValueAmt>598000</BookValueAmt>
        <MethodValuationCd>F</MethodValuationCd>
      </OtherSecuritiesGrp>
      <TotalBookValueSecuritiesAmt>4850913</TotalBookValueSecuritiesAmt>
      <OtherLiabilitiesOrgGrp>
        <Desc>MEMBER SHARE AND DEPOSITS</Desc>
        <Amt>12487241</Amt>
      </OtherLiabilitiesOrgGrp>
      <TotalLiabilityAmt>12487241</TotalLiabilityAmt>
    </IRS990ScheduleD>
    <IRS990ScheduleJ documentId="RetDoc1042400001">
      <BoardOrCommitteeApprovalInd>X</BoardOrCommitteeApprovalInd>
      <SeverancePaymentInd>0</SeverancePaymentInd>
      <SupplementalNonqualRtrPlanInd>0</SupplementalNonqualRtrPlanInd>
      <EquityBasedCompArrngmInd>0</EquityBasedCompArrngmInd>
    </IRS990ScheduleJ>
    <IRS990ScheduleO documentId="RetDoc1044400001">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section A, line 6</FormAndLineReferenceDesc>
        <ExplanationTxt>PART VI:Line 6- We have 2637 Credit Union members.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section A, line 7a</FormAndLineReferenceDesc>
        <ExplanationTxt>PART VI:LINE 7a- The Credit Union members elect Board Members, with staggered two year terms, at our annual business meeting.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, line 11b</FormAndLineReferenceDesc>
        <ExplanationTxt>Part VI Line 11b: The President/CEO provide Board Members with a copy of the 990 and formally present its contents. Part VI, line 19: Anyone may come to the Credit Union office to see it's governing documents and financial statements.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section C, line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>FORM 990, PART VI,LINE 19: ANYONE MAY COME TO THE CREDIT UNION TO VIEW ITS GOVERNING DOCUMENTS, POLICIES AND FINANCIAL STATEMENTS.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>
