Together Credit Union: Form 990, tax year 2020

View the entire original 990 at ProPublica ↗

Organization: Together Credit Union (EIN 43-0160998)
Tax period: 2020-01-01 to 2020-12-31
Filed: 2021-11-04
IRS object ID: 202103099349301260
Schema version: 2020v4.0
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 L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2021-11-04T18:57:05-07:00	ReturnTs
Tax Period End	2020-12-31	TaxPeriodEndDt
Return Type	990	ReturnTypeCd
Tax Period Begin	2020-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	430160998	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	Together Credit Union	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	TOGE	BusinessNameControlTxt
Phone	3147717700	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	423 Lynch Street	AddressLine1Txt
City	Saint Louis	CityNm
State Abbreviation	MO	StateAbbreviationCd
ZIP	63118	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	Lawrence Skube	PersonNm
Person Title	VP & Controller	PersonTitleTxt
Phone	3146579401	PhoneNum
Signature	2021-09-17	SignatureDt

Additional Filer Information AdditionalFilerInformation

Trusted Customer TrustedCustomerGrp

Field	Value	IRS element (for citing)
Trusted Customer	1	TrustedCustomerCd
OOB Security Verification	11	OOBSecurityVerificationCd
Last Submission Rqr OOB	0	LastSubmissionRqrOOBCd
Authentication Assurance Level	AAL2	AuthenticationAssuranceLevelCd

Field	Value	IRS element (for citing)
Tax	2020	TaxYr
Build TS	2022-09-23 18:48:47Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	Robert McKay	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	423 Lynch Street	AddressLine1Txt
City	Saint Louis	CityNm
State Abbreviation	MO	StateAbbreviationCd
ZIP	63118	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$109,407,246	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	www.togethercu.org	WebsiteAddressTxt
Type Of Organization Other	Yes (X)	TypeOfOrganizationOtherInd
Other Organization Dsc	Cooperative	OtherOrganizationDsc
Formation	1939	FormationYr
Legal Domicile State	MO	LegalDomicileStateCd
Activity Or Mission	All activities pertain to a state chartered credit union that provides deposit and lending services to its membership which approximates 136,000	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	483	TotalEmployeeCnt
Total Volunteers	14	TotalVolunteersCnt
Total Gross UBI	$162,865	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$5,796	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$100,809,528	PYProgramServiceRevenueAmt
CY Program Service Revenue	$102,149,634	CYProgramServiceRevenueAmt
PY Investment Income	$8,263,921	PYInvestmentIncomeAmt
CY Investment Income	$7,257,612	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$109,073,449	PYTotalRevenueAmt
CY Total Revenue	$109,407,246	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	$34,046,913	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$38,415,202	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$60,509,257	PYOtherExpensesAmt
CY Other Expenses	$57,165,181	CYOtherExpensesAmt
PY Total Expenses	$94,556,170	PYTotalExpensesAmt
CY Total Expenses	$95,580,383	CYTotalExpensesAmt
PY Revenues Less Expenses	$14,517,279	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$13,826,863	CYRevenuesLessExpensesAmt
Total Assets BOY	$1,825,507,133	TotalAssetsBOYAmt
Total Assets EOY	$2,107,521,700	TotalAssetsEOYAmt
Total Liabilities BOY	$1,637,592,474	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$1,904,270,282	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$187,914,659	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$203,251,418	NetAssetsOrFundBalancesEOYAmt
Mission	All activities pertain to a state-chartered credit union that provides deposit and lending services to its membership which approximates 136,000	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Expense	$61,347,123	ExpenseAmt
Revenue	$70,221,729	RevenueAmt
Desc	Loans to members	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Expense	$27,892,864	ExpenseAmt
Revenue	$31,927,905	RevenueAmt
Desc	Service fees	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Expense	$6,340,396	ExpenseAmt
Revenue	$7,257,612	RevenueAmt
Desc	Investments	Desc

Field	Value	IRS element (for citing)
Total Other Prog Srvc Expense	$0	TotalOtherProgSrvcExpenseAmt
Total Other Prog Srvc Grant	$0	TotalOtherProgSrvcGrantAmt
Total Other Prog Srvc Revenue	$0	TotalOtherProgSrvcRevenueAmt
Total Program Service Expenses	$95,580,383	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	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	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	0	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	483	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	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	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	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
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

Field	Value	IRS element (for citing)
Person	Lawrence Skube	PersonNm
Phone	3146579401	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	423 Lynch Street	AddressLine1Txt
City	Saint Louis	CityNm
State Abbreviation	MO	StateAbbreviationCd
ZIP	63118	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (29 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt	OfficerOfficerInd	Key EmployeeKeyEmployeeInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Former Ofcr Director TrusteeFormerOfcrDirectorTrusteeInd	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd
R McKay
President/CEO	40	0	Yes (X)	Yes (X)	Yes (X)	$809,748	$0	$810,314
M Dougherty
CLO	40	0	Yes (X)	Yes (X)	Yes (X)	$340,202	$0	$223,214
R Kampwerth
CFO	40	0	Yes (X)	Yes (X)	Yes (X)	$366,885	$0	$143,188
T Kraus
COO	40	0	Yes (X)	Yes (X)	Yes (X)	$344,740	$0	$37,044
R Swanigan
CIO	40	0	Yes (X)	Yes (X)	Yes (X)	$342,558	$0	$34,156
M Imo-Moffitt
MLO	40	0			Yes (X)	$324,977	$0	$31,380
C Trunko
CPO	40	0	Yes (X)	Yes (X)	Yes (X)	$266,714	$0	$25,011
A Thompson
AVP	40	0				$238,033	$0	$52,207	Yes (X)
P Alsup
Chief DE&I Officer	40	0	Yes (X)	Yes (X)	Yes (X)	$215,463	$0	$56,471
M Jackson
VP	40	0		Yes (X)		$237,061	$0	$32,115
S Gardner
MLO	40	0			Yes (X)	$216,826	$0	$26,342
H Brandvein
VP	40	0		Yes (X)	Yes (X)	$210,896	$0	$24,875
P Sheahan
VP	40	0		Yes (X)		$196,019	$0	$23,832
J Moran
VP	40	0		Yes (X)		$177,715	$0	$37,822
J Dickerson
MLO	40	0			Yes (X)	$169,896	$0	$30,047
D Hartmann
VP	40	0		Yes (X)		$163,803	$0	$29,974
K Kunze
VP	40	0			Yes (X)	$160,823	$0	$29,818
J Bruno
VP	40	0		Yes (X)		$144,455	$0	$30,429
L Skube
VP	40	0		Yes (X)		$164,608	$0	$8,122
C Klauke
Board Member (Emeritus)	0	0				$2,833	$0	$0	Yes (X)
S Stobbs
Board Member	0	0				$1,096	$0	$0		Yes (X)
B Rickmann
Board Member	0	0				$0	$0	$0		Yes (X)
B Tuffli
Board Member	0	0				$0	$0	$0		Yes (X)
M Chapman
Board Member	0	0				$0	$0	$0		Yes (X)
J Fugel
Board Member	0	0				$0	$0	$0		Yes (X)
J Knapper
Board Member	0	0				$0	$0	$0		Yes (X)
M Harris
Board Member	0	0				$0	$0	$0		Yes (X)
R Kraus
Board Member	0	0				$0	$0	$0		Yes (X)
A Dierkes
Board Member	0	0				$0	$0	$0		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$5,095,351	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$1,686,361	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	45	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	Yes (1)	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt	Address Line2ContractorAddress/USAddress/AddressLine2Txt
WorldPay
601 Riverside Avenue	Jacksonville	FL	32204	Card Processing	$4,253,167
Digital Insight
1300 Seaport Blvd	Redwood City	CA	94063	Online and Mobile Banking Services	$1,394,753	Suite 300
Corelation Inc
2305 Historic Decatur Road	San Diego	CA	92106	Core Banking System	$963,354	Suite 300
UMR
11 Scott Street	Wausau	WI	54403	Insurance Claims Administrator	$895,741
NCR Corporation
864 Spring Street NW	Atlanta	GA	30308	ATM Machines and Maintenance	$720,560

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	31	CntrctRcvdGreaterThan100KCnt
Total Contributions	$0	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt	ExclusionExclusionAmt
Income from Loans	522130	$70,221,729	$70,221,729	$0	$0
Income from Fees	522130	$31,927,905	$31,765,040	$162,865	$0

Total Oth Program Service Rev TotalOthProgramServiceRevGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt
Related Or Exempt Func Income	$0	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$102,149,634	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$7,257,612	TotalRevenueColumnAmt
Related Or Exempt Func Income	$7,257,612	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Incm From Invest Bond Proceeds IncmFromInvestBondProceedsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt
Related Or Exempt Func Income	$0	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Royalties Revenue RoyaltiesRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt
Related Or Exempt Func Income	$0	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$0	RealAmt
Personal	$0	PersonalAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$0	SecuritiesAmt
Other	$0	OtherAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$0	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$109,407,246	TotalRevenueColumnAmt
Related Or Exempt Func Income	$109,244,381	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$162,865	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$6,777,785	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$23,120,980	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$1,731,186	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$4,916,899	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$1,868,352	TotalAmt

Fees For Services Management FeesForServicesManagementGrp

Field	Value	IRS element (for citing)
Total	$793,473	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$458,679	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$286,941	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$2,303,019	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$6,157,909	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$4,813,266	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$2,575,191	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$110,969	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$110,969	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$12,611,852	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$3,330,840	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$278,210	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
Provision for Loan Losses	$11,502,500
Loan Servicing	$8,532,496
ATM/ITM Expenses	$698,997
Litigation Settlement Accrual	$525,000

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$2,074,870	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$95,580,383	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$6,578,880	BOYAmt
EOY	$9,249,009	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$6,548,766	BOYAmt
EOY	$542,780	EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$4,258,634	BOYAmt
EOY	$2,936,186	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$9,999,999	BOYAmt
EOY	$5,395,697	EOYAmt

Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$1,520,581,682	BOYAmt
EOY	$1,533,136,215	EOYAmt

Inventories For Sale Or Use InventoriesForSaleOrUseGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$11,357,752	BOYAmt
EOY	$11,747,786	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$85,665,129	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$34,596,005	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$47,017,498	BOYAmt
EOY	$51,069,124	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$181,830,430	BOYAmt
EOY	$451,679,133	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$37,333,492	BOYAmt
EOY	$41,765,770	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$1,825,507,133	BOYAmt
EOY	$2,107,521,700	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$18,046,083	BOYAmt
EOY	$24,403,353	EOYAmt

Grants Payable GrantsPayableGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Deferred Revenue DeferredRevenueGrp

Field	Value	IRS element (for citing)
BOY	$160,780	BOYAmt
EOY	$171,767	EOYAmt

Tax Exempt Bond Liabilities TaxExemptBondLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Loans From Officers Directors LoansFromOfficersDirectorsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$45,000,000	BOYAmt
EOY	$40,000,000	EOYAmt

Unsecured Notes Loans Payable UnsecuredNotesLoansPayableGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,574,385,611	BOYAmt
EOY	$1,839,695,162	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,637,592,474	BOYAmt
EOY	$1,904,270,282	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	$187,914,659	BOYAmt
EOY	$203,251,418	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$187,914,659	BOYAmt
EOY	$203,251,418	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$1,825,507,133	BOYAmt
EOY	$2,107,521,700	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$13,826,863	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$1,509,896	NetUnrlzdGainsLossesInvstAmt
Donated Services And Use Fclts	$0	DonatedServicesAndUseFcltsAmt
Investment Expense	$0	InvestmentExpenseAmt
Prior Period Adjustments	$0	PriorPeriodAdjustmentsAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	Yes (1)	AccountantCompileOrReviewInd

Acct Compile Or Review Basis AcctCompileOrReviewBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
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)
Investment Cost Or Other Basis	$0	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$15,807,230	OtherCostOrOtherBasisAmt
Book Value	$15,807,230	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$0	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$37,484,668	OtherCostOrOtherBasisAmt
Depreciation	$11,865,299	DepreciationAmt
Book Value	$25,619,369	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$0	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$1,254,183	OtherCostOrOtherBasisAmt
Depreciation	$1,027,550	DepreciationAmt
Book Value	$226,633	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$0	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$22,242,333	OtherCostOrOtherBasisAmt
Depreciation	$17,954,067	DepreciationAmt
Book Value	$4,288,266	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$0	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$8,876,715	OtherCostOrOtherBasisAmt
Depreciation	$3,749,089	DepreciationAmt
Book Value	$5,127,626	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$51,069,124	TotalBookValueLandBuildingsAmt
Federal Income Tax Liability	$0	FederalIncomeTaxLiabilityAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (5 entries)

DescDesc	AmtAmt
Savings Accounts	$415,052,069
IRA Accounts	$122,487,385
Certificates of Deposit	$284,857,177
Money Market Accounts	$664,730,991
Checking Accounts	$352,567,540

Field	Value	IRS element (for citing)
Total Liability	$1,839,695,162	TotalLiabilityAmt
Total Rev Etc Audited Fincl Stmt	$109,407,246	TotalRevEtcAuditedFinclStmtAmt
Net Unrealized Gains Invst	$0	NetUnrealizedGainsInvstAmt
Donated Services And Use Fclts	$0	DonatedServicesAndUseFcltsAmt
Recoveries Prior Year Grants	$0	RecoveriesPriorYearGrantsAmt
Other Revenue	$0	OtherRevenueAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$109,407,246	RevenueSubtotalAmt
Investment Expenses Not Incld	$0	InvestmentExpensesNotIncldAmt
Other Revenues Not Included	$0	OtherRevenuesNotIncludedAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$109,407,246	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$95,580,383	TotExpnsEtcAuditedFinclStmtAmt
Donated Services Use Fclts	$0	DonatedServicesUseFcltsAmt
Prior Year Adjustments	$0	PriorYearAdjustmentsAmt
Losses Reported	$0	LossesReportedAmt
Other Expenses Included	$0	OtherExpensesIncludedAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$95,580,383	ExpensesSubtotalAmt
Investment Expenses Not Incld2	$0	InvestmentExpensesNotIncld2Amt
Other Expenses Not Included	$0	OtherExpensesNotIncludedAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$95,580,383	TotalExpensesPerForm990Amt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (19 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
R McKay
President/CEO	$809,747	$0	$0	$0	$0	$0	$778,740	$0	$31,574	$0	$1,620,061	$0	$0	$0
M Dougherty
CLO	$340,202	$0	$0	$0	$27,408	$0	$195,806	$0	$0	$0	$563,416	$0	$0	$0
R Kampwerth
CFO	$366,885	$0	$0	$0	$56,140	$0	$87,048	$0	$0	$0	$510,073	$0	$0	$0
T Kraus
COO	$344,740	$0	$0	$0	$37,044	$0	$0	$0	$0	$0	$381,784	$0	$0	$0
R Swanigan
CIO	$342,558	$0	$0	$0	$34,156	$0	$0	$0	$0	$0	$376,714	$0	$0	$0
M Imo-Moffitt
MLO	$324,977	$0	$0	$0	$31,380	$0	$0	$0	$0	$0	$356,357	$0	$0	$0
C Trunko
CPO	$266,714	$0	$0	$0	$25,011	$0	$0	$0	$0	$0	$291,725	$0	$0	$0
A Thompson
AVP	$238,033	$0	$0	$0	$52,207	$0	$0	$0	$0	$0	$290,240	$0	$0	$0
P Alsup
Chief DE&I Officer	$215,462	$0	$0	$0	$56,471	$0	$0	$0	$0	$0	$271,933	$0	$0	$0
M Jackson
VP	$237,061	$0	$0	$0	$32,115	$0	$0	$0	$0	$0	$269,176	$0	$0	$0
S Gardner
MLO	$216,826	$0	$0	$0	$26,342	$0	$0	$0	$0	$0	$243,168	$0	$0	$0
H Brandvein
VP	$210,896	$0	$0	$0	$24,875	$0	$0	$0	$0	$0	$235,771	$0	$0	$0
P Sheahan
VP	$196,019	$0	$0	$0	$23,832	$0	$0	$0	$0	$0	$219,851	$0	$0	$0
J Moran
VP	$177,715	$0	$0	$0	$37,822	$0	$0	$0	$0	$0	$215,537	$0	$0	$0
J Dickerson
MLO	$169,896	$0	$0	$0	$30,047	$0	$0	$0	$0	$0	$199,943	$0	$0	$0
D Hartmann
VP	$163,803	$0	$0	$0	$29,974	$0	$0	$0	$0	$0	$193,777	$0	$0	$0
K Kunze
VP	$160,823	$0	$0	$0	$29,818	$0	$0	$0	$0	$0	$190,641	$0	$0	$0
J Bruno
VP	$144,455	$0	$0	$0	$30,429	$0	$0	$0	$0	$0	$174,884	$0	$0	$0
L Skube
VP	$164,608	$0	$0	$0	$8,122	$0	$0	$0	$0	$0	$172,730	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Schedule J, Part I, Line 1a	Board Member spouse travel: C. Klauke - $2,833; S. Stobbs - $1,096
Schedule J, Part I, Line 4	Schedule J, Part I, Line 4 - R McKay, Supplemental Retirement Play Payout - $185,472

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (67 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
A Dierkes
Board Member	Mortgage	Yes (X)	$173,000	$80,420	0	Yes (1)	Yes (1)
A Dierkes
Board Member	Credit Card	Yes (X)	$1	$180	0	Yes (1)	Yes (1)
A Dierkes
Board Member	Credit Card	Yes (X)	$5,500	$334	0	Yes (1)	Yes (1)
A Dierkes
Board Member	Credit Card	Yes (X)	$3,000	$524	0	Yes (1)	Yes (1)
A Dierkes
Board Member	Credit Card	Yes (X)	$8,500	$857	0	Yes (1)	Yes (1)
C Klauke
Board Member (Emeritus)	Credit Card	Yes (X)	$172,000	$153,028	0	Yes (1)	Yes (1)
C Klauke
Board Member (Emeritus)	Credit Card	Yes (X)	$11,000	$2,844	0	Yes (1)	Yes (1)
D Hartmann
Employee	Mortgage	Yes (X)	$320,000	$272,720	0	Yes (1)	Yes (1)
D Hartmann
Employee	Automobile	Yes (X)	$63,914	$55,435	0	Yes (1)	Yes (1)
D Hartmann
Employee	Student Loan	Yes (X)	$37,980	$37,994	0	Yes (1)	Yes (1)
D Hartmann
Employee	Credit Card	Yes (X)	$20,000	$3,802	0	Yes (1)	Yes (1)
H Brandvein
Employee	HEL	Yes (X)	$151,382	$143,372	0	Yes (1)	Yes (1)
J Fugel
Board Member	Credit Card	Yes (X)	$24,000	$192	0	Yes (1)	Yes (1)
J Bruno
Employee	Mortgage	Yes (X)	$122,000	$63,265	0	Yes (1)	Yes (1)
J Bruno
Employee	HEL	Yes (X)	$8,000	$1,120	0	Yes (1)	Yes (1)
J Bruno
Employee	Automobile	Yes (X)	$55,404	$39,598	0	Yes (1)	Yes (1)
J Bruno
Employee	Credit Card	Yes (X)	$20,000	$11,892	0	Yes (1)	Yes (1)
J Bruno
Employee	Credit Card	Yes (X)	$14,500	$14,048	0	Yes (1)	Yes (1)
J Moran
Employee	Mortgage	Yes (X)	$212,000	$204,008	0	Yes (1)	Yes (1)
J Moran
Employee	HEL	Yes (X)	$60,000	$15,671	0	Yes (1)	Yes (1)
J Moran
Employee	Automobile	Yes (X)	$32,000	$25,123	0	Yes (1)	Yes (1)
J Moran
Employee	Automobile	Yes (X)	$34,478	$31,228	0	Yes (1)	Yes (1)
J Moran
Employee	Automobile	Yes (X)	$17,122	$11,781	0	Yes (1)	Yes (1)
J Moran
Employee	Credit Card	Yes (X)	$1,000	$65	0	Yes (1)	Yes (1)
J Moran
Employee	Credit Card	Yes (X)	$25,000	$8,516	0	Yes (1)	Yes (1)
K Kunze
Employee	Mortgage	Yes (X)	$340,000	$333,070	0	Yes (1)	Yes (1)
K Kunze
Employee	HEL	Yes (X)	$40,000	$39,005	0	Yes (1)	Yes (1)
K Kunze
Employee	HEL	Yes (X)	$19,000	$7,232	0	Yes (1)	Yes (1)
K Kunze
Employee	Credit Card	Yes (X)	$15,000	$1,427	0	Yes (1)	Yes (1)
L Skube
Employee	Mortgage	Yes (X)	$309,000	$300,119	0	Yes (1)	Yes (1)
L Skube
Employee	Unsecured	Yes (X)	$4,127	$4,062	0	Yes (1)	Yes (1)
L Skube
Employee	Automobile	Yes (X)	$20,979	$16,918	0	Yes (1)	Yes (1)
L Skube
Employee	Automobile	Yes (X)	$18,059	$16,044	0	Yes (1)	Yes (1)
L Skube
Employee	Automobile	Yes (X)	$30,000	$29,564	0	Yes (1)	Yes (1)
L Skube
Employee	Automobile	Yes (X)	$6,800	$6,544	0	Yes (1)	Yes (1)
L Skube
Employee	Credit Card	Yes (X)	$18,000	$13,476	0	Yes (1)	Yes (1)
M Imo-Moffitt
Employee	Mortgage	Yes (X)	$187,800	$186,911	0	Yes (1)	Yes (1)
M Imo-Moffitt
Employee	Mortgage	Yes (X)	$339,500	$317,971	0	Yes (1)	Yes (1)
M Dougherty
Employee	Mortgage	Yes (X)	$565,000	$518,635	0	Yes (1)	Yes (1)
M Chapman
Board Member	Student Loan	Yes (X)	$36,821	$40,676	0	Yes (1)	Yes (1)
M Chapman
Board Member	Automobile	Yes (X)	$15,874	$12,109	0	Yes (1)	Yes (1)
M Chapman
Board Member	Credit Card	Yes (X)	$22,900	$16,966	0	Yes (1)	Yes (1)
M Jackson
Employee	Mortgage	Yes (X)	$417,100	$407,033	0	Yes (1)	Yes (1)
M Jackson
Employee	Automobile	Yes (X)	$39,910	$16,897	0	Yes (1)	Yes (1)
P Sheahan
Employee	Credit Card	Yes (X)	$1,000	$814	0	Yes (1)	Yes (1)
P Alsup
Employee	Mortgage	Yes (X)	$132,000	$132,000	0	Yes (1)	Yes (1)
R Swanigan
Employee	Mortgage	Yes (X)	$414,000	$407,814	0	Yes (1)	Yes (1)
R Swanigan
Employee	Automobile	Yes (X)	$58,965	$43,761	0	Yes (1)	Yes (1)
R Swanigan
Employee	Automobile	Yes (X)	$40,163	$22,523	0	Yes (1)	Yes (1)
R McKay
Employee	Mortgage	Yes (X)	$778,300	$652,561	0	Yes (1)	Yes (1)
R McKay
Employee	Credit Card	Yes (X)	$50,000	$4,341	0	Yes (1)	Yes (1)
R Kampwerth
Employee	Mortgage	Yes (X)	$172,000	$74,315	0	Yes (1)	Yes (1)
R Kampwerth
Employee	Automobile	Yes (X)	$20,000	$5,858	0	Yes (1)	Yes (1)
R Kampwerth
Employee	Credit Card	Yes (X)	$12,000	$4,569	0	Yes (1)	Yes (1)
R Kampwerth
Employee	Credit Card	Yes (X)	$1,000	$177	0	Yes (1)	Yes (1)
S Stobbs
Board Member	Mortgage	Yes (X)	$102,000	$83,947	0	Yes (1)	Yes (1)
S Stobbs
Board Member	HEL	Yes (X)	$23,005	$22,955	0	Yes (1)	Yes (1)
S Stobbs
Board Member	Credit Card	Yes (X)	$30,000	$70	0	Yes (1)	Yes (1)
T Kraus
Employee	Mortgage	Yes (X)	$399,600	$387,758	0	Yes (1)	Yes (1)
T Kraus
Employee	Unsecured	Yes (X)	$8,418	$8,418	0	Yes (1)	Yes (1)
T Kraus
Employee	HEL	Yes (X)	$10,000	$9,274	0	Yes (1)	Yes (1)
T Kraus
Employee	Automobile	Yes (X)	$7,623	$2,442	0	Yes (1)	Yes (1)
T Kraus
Employee	Automobile	Yes (X)	$14,300	$7,430	0	Yes (1)	Yes (1)
T Kraus
Employee	Automobile	Yes (X)	$14,300	$7,430	0	Yes (1)	Yes (1)
T Kraus
Employee	Automobile	Yes (X)	$31,554	$25,551	0	Yes (1)	Yes (1)
T Kraus
Employee	Automobile	Yes (X)	$28,998	$28,998	0	Yes (1)	Yes (1)
T Kraus
Employee	Credit Card	Yes (X)	$2,000	$15	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$5,395,697	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (6 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Form 990, Part VI, Section A, Line 6	Form 990, Part VI, Section A, Line 6 - The Credit Union has approximately 136,000 members
Form 990, Part VI, Section A, Line 7a	Form 990, Part VI, Section A, Line 7a - The Board of Directors are elected positions that are voted on by the general membership at the Annual Membership Meeting
Form 990, Part VI, Section B, Line 11b	Form 990, Part VI, Section B, Line 11b - The IRS Form 990 is completed and then reviewed by two SVP's before submitting
Form 990, Part VI, Section B, Line 12c	Form 990, Part VI, Section B, Line 12c - Our internal auditors review on a regular basis for compliance with company policies and regulations as do the State and Federal examiners
Form 990, Part VI, Section B, Line 15	Form 990, Section VI, Section B, Line 15c - We have an independent third party review ALL job grades and job descriptions to determine compensation and it is also compared to peer data from like-size organizations. Process is completed annually.
Form 990, Part VI, Section C, Line 19	Form 990, Part VI, Section C, Line 19 - The Form 990 is available to the public upon written request