POINT BREEZE CREDIT UNION: Form 990, tax year 2020

View the entire original 990 at ProPublica ↗

Organization: POINT BREEZE CREDIT UNION (EIN 52-0447180)
Tax period: 2020-01-01 to 2020-12-31
Filed: 2021-11-11
IRS object ID: 202133159349301753
Schema version: 2020v4.1
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	2021-11-11T07:39:49-06:00	ReturnTs
Tax Period End	2020-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	541149263	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	Yount Hyde & Barbour PC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	8100 Sandpiper Cir Ste 308	AddressLine1Txt
City	Baltimore	CityNm
State Abbreviation	MD	StateAbbreviationCd
ZIP	21236	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2020-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	520447180	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	POIN	BusinessNameControlTxt
Phone	4105847228	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	11104 McCormick Road	AddressLine1Txt
City	Hunt Valley	CityNm
State Abbreviation	MD	StateAbbreviationCd
ZIP	21031	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	Tonia Niedzialkowski	PersonNm
Person Title	President	PersonTitleTxt
Phone	4105847228	PhoneNum
Signature	2021-11-11	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	Tonia	PersonFirstNm
Person Last	Niedzialkowski	PersonLastNm

Field	Value	IRS element (for citing)
SSN	999009999	SSN

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	Joseph A Musumeci Jr	PreparerPersonNm
PTIN	P00841270	PTIN
Phone	4437255395	PhoneNum
Preparation	2021-11-11	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	2020	TaxYr
Build TS	2022-09-23 18:48:47Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	Bernard G McLaughlin	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	11104 McCormick Road	AddressLine1Txt
City	Hunt Valley	CityNm
State Abbreviation	MD	StateAbbreviationCd
ZIP	21031	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$29,502,603	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	www.pbcu.com	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1935	FormationYr
Legal Domicile State	MD	LegalDomicileStateCd
Activity Or Mission	State chartered credit union	ActivityOrMissionDesc
Voting Members Governing Body	8	VotingMembersGoverningBodyCnt
Voting Members Independent	8	VotingMembersIndependentCnt
Total Employee	141	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$66,350	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$26,457,807	PYProgramServiceRevenueAmt
CY Program Service Revenue	$25,672,620	CYProgramServiceRevenueAmt
PY Investment Income	$5,791,946	PYInvestmentIncomeAmt
CY Investment Income	$3,829,983	CYInvestmentIncomeAmt
PY Other Revenue	$9,577	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$32,259,330	PYTotalRevenueAmt
CY Total Revenue	$29,502,603	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	$11,343,527	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$12,161,975	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$15,999,850	PYOtherExpensesAmt
CY Other Expenses	$14,340,382	CYOtherExpensesAmt
PY Total Expenses	$27,343,377	PYTotalExpensesAmt
CY Total Expenses	$26,502,357	CYTotalExpensesAmt
PY Revenues Less Expenses	$4,915,953	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$3,000,246	CYRevenuesLessExpensesAmt
Total Assets BOY	$773,853,745	TotalAssetsBOYAmt
Total Assets EOY	$870,833,707	TotalAssetsEOYAmt
Total Liabilities BOY	$4,614,995	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$4,341,601	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$769,238,750	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$866,492,106	NetAssetsOrFundBalancesEOYAmt
Mission	Our mission is to provide quality financial solutions for every member.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	Point Breeze Credit Union provides lending and deposit services to its approximately 59,746 members.	Desc
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	Yes (1)	ReportOtherAssetsInd
Report Other Liabilities	0	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	21767	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	141	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	8	GoverningBodyVotingMembersCnt
Independent Voting Member	8	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

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	Marisa Ehrlich	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	4105847228	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	11104 McCormick Road	AddressLine1Txt
City	Baltimore	CityNm
State Abbreviation	MD	StateAbbreviationCd
ZIP	21031	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (23 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
Michael J Gallagher
Vice Chairman	1.24	Yes (X)	$12,750	$0	$0
Cordell D Boone
Treasurer	0.91	Yes (X)	$5,850	$0	$200
Lynn B Finckel
Secretary	0.61	Yes (X)	$6,900	$0	$200
Howard W Uhl
Director	0.63	Yes (X)	$7,830	$0	$0
William R Helmey
Director	0.57	Yes (X)	$6,300	$0	$2,000
Donald Gundlach
Chairman	1.32	Yes (X)	$11,550	$0	$200
Donald D Beynon Jr
Director	0.39	Yes (X)	$5,100	$0	$200
Jean Lewis
Director	0.43	Yes (X)	$2,400	$0	$200
Jack Wilt
Supervisory Committee	0.17	Yes (X)	$120	$0	$0
William Cockey
Supervisory Committee	0.17	Yes (X)	$720	$0	$0
Helen Martinez
Supervisory Committee	0.17	Yes (X)	$120	$0	$0
Bernard G McLaughlin
CEO	40.00		$617,909	$0	$69,702	Yes (X)
Eugenie Briggs
SVP - Marketing	40.00		$139,221	$0	$39,961	Yes (X)
Tonia M Niedzialkowski
President	40.00		$279,866	$0	$176,623	Yes (X)
Patricia Brice
SVP/CLO	40.00		$199,829	$0	$158,002	Yes (X)
Kristin Reynolds
SVP - Human Resources	40.00		$162,301	$0	$150,799	Yes (X)
Kimberly Mangrum
SVP - Member Services	40.00		$198,267	$0	$145,026	Yes (X)
Marisa Ehrlich
SVP/CFO	40.00		$97,480	$0	$12,457	Yes (X)
Karen Trimp
VP - Compliance	40.00		$123,763	$0	$47,063		Yes (X)
Cynthia Harrell
VP - Operation Support	40.00		$117,628	$0	$48,444		Yes (X)
Stewart Holbrook
VP - IT	40.00		$137,284	$0	$36,283		Yes (X)
Beth Bavis
VP - Member Business Lendi	40.00		$143,857	$0	$42,202		Yes (X)
Susan Waite
VP - Lending	40.00		$117,856	$0	$49,504		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,394,901	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$979,066	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	11	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	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
Buch Construction
11292 Buch Way	Laurel	MD	20723	Construction and Facilities	$6,184,678
Fiserv Inc
225 Fiserv Dr	Brookfield	WI	53045	Data Processing	$1,182,641
The Long Group
22 Greeley St	Merrimack	NH	03054	Business Development	$860,503
NCR Corp
1300 Seaport	Redwood City	CA	94063	Software Provider	$782,595
American Design Associates
9000 Harford Rd	Parkville	MD	21234	Office Furniture	$602,887

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	5	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
Interest on loans	522100	$20,618,166	$20,618,166
Other services	525990	$3,276,871	$3,276,871
Share account services	525990	$1,516,732	$1,516,732
Credit insurance	524298	$194,501	$194,501
Nonmember ATM fees	525990	$66,350		$66,350

Field	Value	IRS element (for citing)
Total Program Service Revenue	$25,672,620	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$3,829,983	TotalRevenueColumnAmt
Exclusion	$3,829,983	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$29,502,603	TotalRevenueColumnAmt
Related Or Exempt Func Income	$25,606,270	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$66,350	UnrelatedBusinessRevenueAmt
Exclusion	$3,829,983	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$3,373,967	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$6,206,712	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$544,627	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,415,117	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$621,552	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$130,341	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$103,508	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$764,256	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$1,252,291	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,806,267	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$989,261	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,575,356	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$6,226	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$28,494	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$2,636,846	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,330,821	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$169,853	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
Lending	$1,439,361
Bank service charges	$1,029,372
Loan loss provision	$817,410
Miscellaneous	$260,719

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$26,502,357	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$4,278,373	BOYAmt
EOY	$6,911,318	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$47,234,169	BOYAmt
EOY	$89,428,270	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$610,937	BOYAmt
EOY	$1,126,130	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$486,057,031	BOYAmt
EOY	$486,929,935	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$35,163,275	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$11,191,736	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$16,542,662	BOYAmt
EOY	$23,971,539	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$175,443,265	BOYAmt
EOY	$213,131,678	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$43,687,308	BOYAmt
EOY	$49,334,837	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$773,853,745	BOYAmt
EOY	$870,833,707	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$4,614,995	BOYAmt
EOY	$4,341,601	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$4,614,995	BOYAmt
EOY	$4,341,601	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	$652,979,467	BOYAmt
EOY	$745,569,388	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	$116,259,283	BOYAmt
EOY	$120,922,718	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$769,238,750	BOYAmt
EOY	$866,492,106	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$773,853,745	BOYAmt
EOY	$870,833,707	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$3,000,246	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$1,663,189	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$92,589,921	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

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

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,577,140	OtherCostOrOtherBasisAmt
Book Value	$2,577,140	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$24,194,253	OtherCostOrOtherBasisAmt
Depreciation	$5,398,474	DepreciationAmt
Book Value	$18,795,779	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$8,391,882	OtherCostOrOtherBasisAmt
Depreciation	$5,793,262	DepreciationAmt
Book Value	$2,598,620	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$23,971,539	TotalBookValueLandBuildingsAmt

Other Assets Org OtherAssetsOrgGrp (4 entries)

DescDesc	Book ValueBookValueAmt
NCUSIF deposit	$7,009,079
Accrued interest receivable	$1,471,709
Other assets	$20,559,103
CU owned life insurance	$20,294,946

Field	Value	IRS element (for citing)
Total Book Value Other Assets	$49,334,837	TotalBookValueOtherAssetsAmt
Total Rev Etc Audited Fincl Stmt	$29,502,603	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$29,502,603	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$29,502,603	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$26,502,357	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$26,502,357	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$26,502,357	TotalExpensesPerForm990Amt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
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 (11 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
Bernard G McLaughlin
CEO	$617,909	$0	$0	$0	$0	$0	$27,075	$0	$42,627	$0	$687,611	$0	$0	$0
Tonia M Niedzialkowski
President	$279,866	$0	$0	$0	$0	$0	$143,908	$0	$32,715	$0	$456,489	$0	$0	$0
Patricia Brice
SVP/CLO	$199,829	$0	$0	$0	$0	$0	$136,126	$0	$21,876	$0	$357,831	$0	$0	$0
Kimberly Mangrum
SVP - Member Services	$198,267	$0	$0	$0	$0	$0	$117,570	$0	$27,456	$0	$343,293	$0	$0	$0
Kristin Reynolds
SVP - Human Resources	$162,301	$0	$0	$0	$0	$0	$120,105	$0	$30,694	$0	$313,100	$0	$0	$0
Beth Bavis
VP - Member Business Lendi	$143,857	$0	$0	$0	$0	$0	$12,297	$0	$29,905	$0	$186,059	$0	$0	$0
Eugenie Briggs
SVP - Marketing	$139,221	$0	$0	$0	$0	$0	$18,383	$0	$21,578	$0	$179,182	$0	$0	$0
Stewart Holbrook
VP - IT	$137,284	$0	$0	$0	$0	$0	$11,730	$0	$24,553	$0	$173,567	$0	$0	$0
Karen Trimp
VP - Compliance	$123,763	$0	$0	$0	$0	$0	$20,737	$0	$26,326	$0	$170,826	$0	$0	$0
Susan Waite
VP - Lending	$117,856	$0	$0	$0	$0	$0	$20,246	$0	$29,258	$0	$167,360	$0	$0	$0
Cynthia Harrell
VP - Operation Support	$117,628	$0	$0	$0	$0	$0	$19,184	$0	$29,260	$0	$166,072	$0	$0	$0

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (14 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd	Balance DueBalanceDueAmt
Cordell Boone
Treasurer	mortgage	Yes (X)	$13,500	0	Yes (1)	Yes (1)
Eugeneie Briggs
SVP - Marketing	mortgage, credit card	Yes (X)	$258,000	0	Yes (1)	Yes (1)	$247,121
Howard Uhl
Director	credit card, auto	Yes (X)	$30,302	0	Yes (1)	Yes (1)
Kimberly Mangrum
SVP - Member Services	auto	Yes (X)	$38,763	0	Yes (1)	Yes (1)
Kristin Reynolds
SVP - Human Resources	2nd mortgage, credit card, auto	Yes (X)	$62,236	0	Yes (1)	Yes (1)	$53,284
Lynn Finckel
Secretary	HELOC	Yes (X)	$42,900	0	Yes (1)	Yes (1)
Michael J Gallagher
Vice Chairman	credit cards, auto, mortgage	Yes (X)	$165,091	0	Yes (1)	Yes (1)	$37,053
Patricia Brice
SVP/CLO	mortgage, credit card	Yes (X)	$305,000	0	Yes (1)	Yes (1)	$209,640
Tonia M Niedzialkowski
President	mortgage, credit card, auto	Yes (X)	$462,689	0	Yes (1)	Yes (1)	$174,098
William Cockey
Supervisory Committee	auto	Yes (X)	$5,074	0	Yes (1)	Yes (1)	$1,560
Susan Waite
VP - Lending	HELOC, auto, credit card	Yes (X)	$226,900	0	Yes (1)	Yes (1)	$139,799
Victoria Amend
VP - Collections	2nd mortgage, credit card	Yes (X)	$47,349	0	Yes (1)	Yes (1)	$42,574
Cynthia Harrell
VP - Operation Support	mortgage, credit card, auto, share	Yes (X)	$219,930	0	Yes (1)	Yes (1)	$200,285
Donald Gundlach
Chairman	auto	Yes (X)	$23,587	0	Yes (1)	Yes (1)	$20,716

Field	Value	IRS element (for citing)
Total Balance Due	$1,126,130	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Form 990, Part VI, Section A, line 6	The Credit Union has approximately 59,746 members.
Form 990, Part VI, Section A, line 7a	Credit Union members elect the Board of Directors.
Form 990, Part VI, Section B, line 11b	The CEO and CFO perform final reviews of Form 990.
Form 990, Part VI, Section B, line 12c	The Credit Union monitors and enforces compliance with the conflict of interest policy through required disclosure if and when a conflict arises.
Form 990, Part VI, Section B, line 15	The compensation committee reviews a national salary survey, evaluates the CEO's performance, and makes a proposal to the board of directors for the CEO's salary. The CEO reviews a national salary survey, reviews performance appraisals, and makes a proposal to the board of directors for officers' salaries. A third-party consultant provides salary recommendations. The board of directors discusses and approves the CEO's and officers' salaries.
Form 990, Part VI, Section C, line 19	The Credit Union makes its governing documents and conflict of interest policy available to the public upon request. Quarterly financial statements are available through the NCUA website. Annual audited financial statements are provided to members at the annual meeting.
Form 990, Part XI, line 9:	Net change in members' share balances 92,589,921.
Form 990, Part XII, Line 2c:	The supervisory committee is responsible for oversight of the audit of the financial statements and selection of the independent accountants.