TREADWELL CREDIT UNION INC: Form 990, tax year 2021

View the entire original 990 at ProPublica ↗

Organization: TREADWELL CREDIT UNION INC (EIN 31-0616172)
Tax period: 2021-01-01 to 2021-12-31
Filed: 2022-11-07
IRS object ID: 202243119349303719
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 L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2022-11-07T15:50:57-06:00	ReturnTs
Tax Period End	2021-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	202122306	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	GBQ PARTNERS LLC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	4030 SMITH ROAD SUITE 400	AddressLine1Txt
City	COLUMBUS	CityNm
State Abbreviation	OH	StateAbbreviationCd
ZIP	43209	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	310616172	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	DAYM	BusinessNameControlTxt
Phone	9372362562	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 13087	AddressLine1Txt
City	DAYTON	CityNm
State Abbreviation	OH	StateAbbreviationCd
ZIP	45413	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	STEVEN SHORE	PersonNm
Person Title	PRESIDENT & CEO	PersonTitleTxt
Phone	9372362562	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	STEVEN	PersonFirstNm
Person Last	SHORE	PersonLastNm

Field	Value	IRS element (for citing)
SSN	999009999	SSN

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	GREG HEIMKREITER	PreparerPersonNm
PTIN	P01331287	PTIN
Phone	5138713033	PhoneNum
Preparation	2022-11-06	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	STEVEN SHORE	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4988 WAGNER FORD ROAD	AddressLine1Txt
City	DAYTON	CityNm
State Abbreviation	OH	StateAbbreviationCd
ZIP	45414	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$4,969,565	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.DAYMETCU.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1957	FormationYr
Legal Domicile State	OH	LegalDomicileStateCd
Activity Or Mission	STATE CHARTERED CREDIT UNION ORGANIZED TO PROVIDE MEMBERS WITH FINANCIAL SERVICES AND PRODUCTS.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	30	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$260,997	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$4,431,947	PYProgramServiceRevenueAmt
CY Program Service Revenue	$4,639,522	CYProgramServiceRevenueAmt
PY Investment Income	$214,007	PYInvestmentIncomeAmt
CY Investment Income	$330,043	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$4,645,954	PYTotalRevenueAmt
CY Total Revenue	$4,969,565	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	$1,558,385	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$1,758,849	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$2,873,700	PYOtherExpensesAmt
CY Other Expenses	$2,627,870	CYOtherExpensesAmt
PY Total Expenses	$4,432,085	PYTotalExpensesAmt
CY Total Expenses	$4,386,719	CYTotalExpensesAmt
PY Revenues Less Expenses	$213,869	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$582,846	CYRevenuesLessExpensesAmt
Total Assets BOY	$100,862,968	TotalAssetsBOYAmt
Total Assets EOY	$106,625,826	TotalAssetsEOYAmt
Total Liabilities BOY	$92,270,514	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$97,598,099	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$8,592,454	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$9,027,727	NetAssetsOrFundBalancesEOYAmt
Mission	DAY MET CREDIT UNION, INC. CONTRIBUTES TO PROSPERITY AND FINANCIAL GROWTH THROUGH INNOVATIVE SERVICES, SUPPORT AND EDUCATION.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	LENDING TO CREDIT UNION MEMBERS. WE PROVIDED CREDIT CARD AND LINE OF CREDIT LOANS; VEHICLE LOANS; MORTGAGE LOANS; AND OTHER LOANS TO MEMBERS IN 2021.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	PROVIDING FINANCIAL SERVICES TO CREDIT UNION MEMBERS. WE PROVIDED CHECKING ACCOUNTS; SAVINGS ACCOUNTS; MONEY MARKET ACCOUNTS; CERTIFICATES OF DEPOSIT; RETIREMENT ACCOUNTS; AND OTHER ACCOUNTS IN 2021.	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	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	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	979	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	0	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	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	0	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	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	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	CHRIS SADLIER	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	9372362562	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4988 WAGNER FORD ROAD	AddressLine1Txt
City	DAYTON	CityNm
State Abbreviation	OH	StateAbbreviationCd
ZIP	45414	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (8 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt
AMELIA V LAW
DIRECTOR	0.00	Yes (X)	Yes (X)	$0	$0	$0
ALLEN R NORRIS
DIRECTOR	0.00	Yes (X)	Yes (X)	$0	$0	$0
MIKE ROGERS
DIRECTOR	0.00	Yes (X)	Yes (X)	$0	$0	$0
DON KILEY
DIRECTOR	0.00	Yes (X)	Yes (X)	$0	$0	$0
JESSICA A OSBOURNE
DIRECTOR	0.00	Yes (X)	Yes (X)	$0	$0	$0
TYRONE MCGUFFEY
DIRECTOR	0.00	Yes (X)	Yes (X)	$0	$0	$0
MARY ANN KABEL
DIRECTOR	0.00	Yes (X)	Yes (X)	$0	$0	$0
STEVEN D SHORE
PRESIDENT & CEO	40.00		Yes (X)	$171,468	$0	$0

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$171,468	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$0	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 (3 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
VANTIV
8500 GOVENORS HILL DR	SYMMES TOWNSHIP	OH	45249	DEBIT CARDS	$295,122
CUANSWERS
6000 28TH ST STE 100	GRAND RAPIDS	MI	49546	DATA PROCESSING	$260,466
UNITED HEALTH CARE
200 WEST ADAMS STREETSUITE 500	CHICAGO	IL	60606	HEALTH INS	$149,638

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
INTEREST ON LOANS	522100	$3,557,000	$3,557,000
OTHER INCOME	522100	$1,082,522	$821,525	$260,997

Field	Value	IRS element (for citing)
Total Program Service Revenue	$4,639,522	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$330,043	TotalRevenueColumnAmt
Exclusion	$330,043	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$4,969,565	TotalRevenueColumnAmt
Related Or Exempt Func Income	$4,378,525	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$260,997	UnrelatedBusinessRevenueAmt
Exclusion	$330,043	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$171,468	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,587,381	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$79,721	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$114,422	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$345,331	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$124,069	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$424,471	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$89,076	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
BANK CHARGES & PROCESSI	$932,915
PROVISION FOR LOAN LOSS	$232,471
LOAN PROCESSING	$213,689
OTHER COSTS	$41,130

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$30,575	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$4,386,719	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$16,048,411	BOYAmt
EOY	$1,535,063	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
EOY	$10,942,417	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
EOY	$341,999	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$70,390,637	BOYAmt
EOY	$73,198,708	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$247,607	BOYAmt
EOY	$3,854,428	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$4,077,582	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$2,742,666	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$1,507,626	BOYAmt
EOY	$1,334,916	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$5,397,614	BOYAmt
EOY	$9,422,256	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$3,414,338	BOYAmt
EOY	$4,455,601	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$3,856,735	BOYAmt
EOY	$1,540,438	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$100,862,968	BOYAmt
EOY	$106,625,826	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$564,064	BOYAmt
EOY	$736,560	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$91,706,450	BOYAmt
EOY	$96,861,539	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$92,270,514	BOYAmt
EOY	$97,598,099	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	$8,592,454	BOYAmt
EOY	$9,027,727	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$8,592,454	BOYAmt
EOY	$9,027,727	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$100,862,968	BOYAmt
EOY	$106,625,826	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$582,846	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$147,575	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	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)
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	$270,769	OtherCostOrOtherBasisAmt
Book Value	$270,769	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$756,841	OtherCostOrOtherBasisAmt
Depreciation	$641,703	DepreciationAmt
Book Value	$115,138	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,594,417	OtherCostOrOtherBasisAmt
Depreciation	$1,715,633	DepreciationAmt
Book Value	$878,784	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$455,555	OtherCostOrOtherBasisAmt
Depreciation	$385,330	DepreciationAmt
Book Value	$70,225	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$1,334,916	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (6 entries)

DescDesc	AmtAmt
MEMBER SAVINGS	$30,856,715
MEMBER MONEY MARKET	$19,440,288
MEMBER DRAFT CHECKING	$19,037,612
MEMBER MONEY MARKET DRAFT	$1,786,924
MEMBER INDIVIDUAL RETIREMENT ACCOUNTS	$1,587,777
MEMBER CERTIFICATES	$24,152,223

Field	Value	IRS element (for citing)
Total Liability	$96,861,539	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$4,969,565	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$4,969,565	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$4,969,565	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$4,386,716	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$4,386,716	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$4,386,716	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART X, LINE 2:	FormAndLineReferenceDesc
Explanation	AS A CREDIT UNION, THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL TAXES UNDER THE PROVISIONS OF 501C(14) OF THE INTERNAL REVENUE CODE. THE CREDIT UNION ACCOUNTS FOR UNCERTAINTY IN INCOME TAXES IN ITS FINANCIAL STATEMENTS AS REQUIRED UNDER FINANCIAL ACCOUNTING STANDARDS BOARD (FASB) ACCOUNTING STANDARDS CODIFICATION (ASC), ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. THE STANDARD PRESCRIBES A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE STANDARD ALSO PROVIDES GUIDANCE ON DE-RECOGNITION, CLASSIFICATION, INTEREST, AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE AND TRANSITION ACCOUNTING. MANAGEMENT DETERMINED THERE WERE NO MATERIAL UNCERTAIN POSITIONS TAKEN BY THE CREDIT UNION IN ITS TAX RETURNS.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
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	STEVEN D SHORE	PersonNm
Title	PRESIDENT & CEO	TitleTxt
Base Compensation Filing Org	$150,060	BaseCompensationFilingOrgAmt
Compensation Based On Rltd Orgs	$0	CompensationBasedOnRltdOrgsAmt
Bonus Filing Organization	$21,408	BonusFilingOrganizationAmount
Bonus Related Organizations	$0	BonusRelatedOrganizationsAmt
Other Compensation Filing Org	$0	OtherCompensationFilingOrgAmt
Other Compensation Rltd Orgs	$0	OtherCompensationRltdOrgsAmt
Deferred Compensation Flng Org	$0	DeferredCompensationFlngOrgAmt
Deferred Comp Rltd Orgs	$0	DeferredCompRltdOrgsAmt
Nontaxable Benefits Filing Org	$0	NontaxableBenefitsFilingOrgAmt
Nontaxable Benefits Rltd Orgs	$0	NontaxableBenefitsRltdOrgsAmt
Total Compensation Filing Org	$171,468	TotalCompensationFilingOrgAmt
Total Compensation Rltd Orgs	$0	TotalCompensationRltdOrgsAmt
Comp Report Prior990 Filing Org	$0	CompReportPrior990FilingOrgAmt
Comp Report Prior990 Rltd Orgs	$0	CompReportPrior990RltdOrgsAmt

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
STEVEN D SHORE
OFFICER	VEHICLE LOAN	Yes (X)	$45,185	$38,613	0	Yes (1)	Yes (1)
STEVEN D SHORE
OFFICER	VEHICLE LOAN	Yes (X)	$49,279	$24,325	0	Yes (1)	Yes (1)
STEVEN D SHORE
OFFICER	MORTGAGE LOAN	Yes (X)	$312,000	$279,061	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$341,999	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	INDIVIDUALS WHO LIVE IN MONTGOMERY, CLARK, MIAMI AND GREEN COUNTIES CAN BECOME MEMBERS BY DEPOSITING AT LEAST $5 INTO A SHARE ACCOUNT.
FORM 990, PART VI, SECTION A, LINE 7A	THE BOARD MEMBERS ARE ELECTED AT AN ANNUAL MEETING OF THE SHAREHOLDERS. THERE IS A STAGGERED BOARD ELECTION FOR THREE YEAR TERMS.
FORM 990, PART VI, SECTION B, LINE 11B	THE FORM 990 IS REVIEWED BY THE CEO PRIOR TO FILING.
FORM 990, PART VI, SECTION B, LINE 12C	THE POLICY IS REVIEWED IN A STAFF MEETING WITH ALL EMPLOYEES PRIOR TO THEIR SIGNING ACKNOWLEDGEMENT. THE SAME PROCESS IS ALSO DONE WITH THE DIRECTORS IN A MONTHLY BOARD MEETING.
FORM 990, PART VI, SECTION B, LINE 15	AN ANNUAL COMPENSATION SURVEY IS PERFORMED AND THEN USED AS A TOOL FOR CONFIRMING COMPENSATION RANGES FOR THE CEO AND TOP MANAGEMENT.
FORM 990, PART VI, SECTION B, LINE 12C	THE POLICY IS REVIEWED IN A STAFF MEETING WITH ALL EMPLOYEES PRIOR TO THEIR SIGNING ACKNOWLEDGEMENT. THE SAME PROCESS IS ALSO DONE WITH THE DIRECTORS IN A MONTHLY BOARD MEETING.
FORM 990, PART VI, SECTION B, LINE 15	CUNA SAL SURVEY
FORM 990, PART VI, SECTION C, LINE 19	THE GOVERNING DOCUMENTS, THE CONFLICT OF INTEREST POLICY AND THE FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.