STATE CHARTERED CREDIT UNIONS IN FLORIDA: Form 990, tax year 2020

View the entire original 990 at ProPublica ↗

Organization: STATE CHARTERED CREDIT UNIONS IN FLORIDA (EIN 59-1022425)
Tax period: 2020-01-01 to 2020-12-31
Filed: 2021-05-14
IRS object ID: 202141349349304259
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 O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2021-05-14T12:40:19-05:00	ReturnTs
Tax Period End	2020-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	382492570	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	DOEREN MAYHEW	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	12060 S W 129TH COURT STE 201	AddressLine1Txt
City	MIAMI	CityNm
State Abbreviation	FL	StateAbbreviationCd
ZIP	331864582	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	591022425	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	STATE CHARTERED CREDIT UNIONS IN FLORIDA	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	STAT	BusinessNameControlTxt
Phone	4073031527	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	351 S STATE ROAD 434 NO 1009	AddressLine1Txt
City	ALTAMONTE SPRINGS	CityNm
State Abbreviation	FL	StateAbbreviationCd
ZIP	32714	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	ADAM NEUSAENGER	PersonNm
Person Title	CFO	PersonTitleTxt
Phone	4073031527	PhoneNum
Signature	2021-05-14	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	ADAM	PersonFirstNm
Person Last	NEUSAENGER	PersonLastNm

Field	Value	IRS element (for citing)
SSN	XXX-XX-XXXX	SSN

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	DOUGLAS J ORTH	PreparerPersonNm
PTIN	P01076394	PTIN
Phone	3052328272	PhoneNum

Additional Filer Information AdditionalFilerInformation

Trusted Customer TrustedCustomerGrp

Field	Value	IRS element (for citing)
Trusted Customer	0	TrustedCustomerCd
Authentication Assurance Level	AAL1	AuthenticationAssuranceLevelCd
Identity Assurance Level	IAL1	IdentityAssuranceLevelCd

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

Form 990 IRS990

Doing Business As Name DoingBusinessAsName

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

Field	Value	IRS element (for citing)
Principal Officer	JOHN W MARTIN	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	351 S STATE ROAD 434 NO 1009	AddressLine1Txt
City	ALTAMONTE SPRINGS	CityNm
State Abbreviation	FL	StateAbbreviationCd
ZIP	32714	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$3,498,180	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Group Exemption	2106	GroupExemptionNum
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.AHCU.CC	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1955	FormationYr
Legal Domicile State	FL	LegalDomicileStateCd
Activity Or Mission	OUR MISSION IS TO EMPOWER MEMBERS TO ACHIEVE THEIR FINANCIAL GOALS.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	23	TotalEmployeeCnt
Total Volunteers	13	TotalVolunteersCnt
Total Gross UBI	$31,973	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$3,170,173	PYProgramServiceRevenueAmt
CY Program Service Revenue	$3,250,157	CYProgramServiceRevenueAmt
PY Investment Income	$338,287	PYInvestmentIncomeAmt
CY Investment Income	$248,023	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$3,508,460	PYTotalRevenueAmt
CY Total Revenue	$3,498,180	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	$1,286,024	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$1,275,779	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$1,603,124	PYOtherExpensesAmt
CY Other Expenses	$1,549,577	CYOtherExpensesAmt
PY Total Expenses	$2,889,148	PYTotalExpensesAmt
CY Total Expenses	$2,825,356	CYTotalExpensesAmt
PY Revenues Less Expenses	$619,312	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$672,824	CYRevenuesLessExpensesAmt
Total Assets BOY	$57,193,052	TotalAssetsBOYAmt
Total Assets EOY	$73,000,907	TotalAssetsEOYAmt
Total Liabilities BOY	$50,588,261	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$65,653,469	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$6,604,791	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$7,347,438	NetAssetsOrFundBalancesEOYAmt
Mission	OUR MISSION IS TO EMPOWER MEMBERS TO ACHIEVE THEIR FINANCIAL GOALS.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	SHARES - THE CREDIT UNION HAS OVER 16,447 SHARE ACCOUNTS THAT HAVE AN AGGREGATE BALANCE OVER $60 MILLION.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	LOANS - THE CREDIT HAS OVER 5,337 LOAN ACCOUNTS THAT HAVE AN AGGREGATE BALANCE OVER $49 MILLION.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	FINANCIAL SERVICES - THE CREDIT UNION OFFERS A VARIETY OF FINANCIAL SERVICES FOR ITS MEMBERS.	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	0	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	1834	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	23	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	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	Yes (1)	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	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	ADAM NEUSAENGER	PersonNm
Phone	4073257670	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	351 S STATE ROAD 434 SUITE 1009	AddressLine1Txt
City	ALTAMONTE SPRINGS	CityNm
State Abbreviation	FL	StateAbbreviationCd
ZIP	32714	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (15 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd
PATRICK DEEGAN
CHAIR	1.00	Yes (X)	$0	$0	$0
KATHY REEP
VICE CHAIR	1.00	Yes (X)	$0	$0	$0
GREGORY EDRIS
SECRETARY	1.00	Yes (X)	$0	$0	$0
CECIL LOWRY
TREASURER	1.00	Yes (X)	$0	$0	$0
TIM COOK
DIRECTOR	1.00	Yes (X)	$0	$0	$0
WILLIAM COCHRAN
DIRECTOR	1.00	Yes (X)	$0	$0	$0
ABEL BIRI
DIRECTOR	1.00	Yes (X)	$0	$0	$0
KRISTIN ULANOFF
DIRECTOR	1.00	Yes (X)	$0	$0	$0
SHERYL MOORHEAD
DIRECTOR	1.00	Yes (X)	$0	$0	$0
DANIEL MYERS
SUPERVISORY COMMITTEE CHAIR	1.00	Yes (X)	$0	$0	$0
ALBERT LEE
SUPERVISORY COMMITTEE MEMBER	1.00	Yes (X)	$0	$0	$0
KELLEY MORING
SUPERVISORY COMMITTEE MEMBER	1.00	Yes (X)	$0	$0	$0
ARMANDO TAGALOG
SUPERVISORY COMMITTEE MEMBER	1.00	Yes (X)	$0	$0	$0
JOHN W MARTIN
PRESIDENT/CHIEF EXECUTIVE OFFICER	40.00		$156,832	$0	$28,187	Yes (X)
JOHN ADAM NEUSAEGER
CHIEF FINANCIAL OFFICER	40.00		$80,918	$0	$26,181	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$237,750	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$54,368	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 (4 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
PENNINGTON ASSOCIATES
6959 STAPOINT CT SUITE J	WINTER PARK	FL	32792	CONSTRUCTION	$463,521
CU ANSWERS
6000 28TH ST SE SUITE 100	GRAND RAPIDS	MI	49546	CORE PROCESSING	$200,884
WORLDPAY
8500 GOVERNORS HILL DR	CINCINNATI	OH	45429	DEBIT/CREDIT PROCESSING	$103,099
EMPIRE OFFICE
110 HILLCREST ST	ORLANDO	FL	32801	OFFICE FURNITURE	$101,177

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	4	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST INCOME ON LOA	522100	$2,189,815	$2,189,815
FEES/CHARGES/OTHR INCO	522100	$1,028,369	$1,028,369
UNRELATED BUSINESS INC	520000	$31,973		$31,973

Field	Value	IRS element (for citing)
Total Program Service Revenue	$3,250,157	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$248,023	TotalRevenueColumnAmt
Related Or Exempt Func Income	$248,023	RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$3,498,180	TotalRevenueColumnAmt
Related Or Exempt Func Income	$3,466,207	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$31,973	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$292,118	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$858,716	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$25,802	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$18,277	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$80,866	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$17,887	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$56,320	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$8,320	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$68,290	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$343,306	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$79,670	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$2,077	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$37,598	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$250,095	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$104,345	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$25,842	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
LOAN SERVICING	$365,636
PROVISION FOR LOAN LOSS	$149,894
OTHER PROFESSIONAL EXPE	$34,694
OTHER EXPENSES	$5,603

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$2,825,356	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$752,579	BOYAmt
EOY	$1,108,289	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$5,613,612	BOYAmt
EOY	$10,380,611	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$227,432	BOYAmt
EOY	$660,439	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$373,998	BOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$41,507,181	BOYAmt
EOY	$49,814,666	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$110,175	BOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$1,274,205	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$491,118	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$174,829	BOYAmt
EOY	$783,087	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$5,973,194	BOYAmt
EOY	$6,581,527	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$1,844,970	BOYAmt
EOY	$2,913,670	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$615,082	BOYAmt
EOY	$758,618	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$57,193,052	BOYAmt
EOY	$73,000,907	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$1,733,295	BOYAmt
EOY	$5,263,000	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$48,854,966	BOYAmt
EOY	$60,390,469	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$50,588,261	BOYAmt
EOY	$65,653,469	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

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

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

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

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$6,604,791	BOYAmt
EOY	$7,347,438	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$6,604,791	BOYAmt
EOY	$7,347,438	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$57,193,052	BOYAmt
EOY	$73,000,907	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$672,824	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$69,823	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	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

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$894,251	OtherCostOrOtherBasisAmt
Depreciation	$261,609	DepreciationAmt
Book Value	$632,642	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$379,954	OtherCostOrOtherBasisAmt
Depreciation	$229,509	DepreciationAmt
Book Value	$150,445	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$783,087	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (9 entries)

DescDesc	AmtAmt
SHARE DRAFTS	$11,852,083
PRIMARY SHARES	$30,133,301
CHRISTMAS CLUBS	$223,379
SAVERS CHOICE	$369,793
ESCROW CLUB	$13,740
SHARE MONEY MARKET	$11,704,227
SHARE CERTIFICATES	$5,842,745
TRADITIONAL IRA SAVINGS	$2,201
NONMEMBER CERTIFICATES	$249,000

Field	Value	IRS element (for citing)
Total Liability	$60,390,469	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$3,498,180	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$3,498,180	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$3,498,180	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$2,825,356	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$2,825,356	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$2,825,356	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART X, LINE 2:	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE (IRC) AND STATE TAX LAWS. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE "MORE LIKELY THAN NOT" STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN IRC SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (UBI) DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNING IN MARCH 2008, THE INTERNAL REVENUE SERVICE (IRS) RELEASED TECHNICAL ADVICE MEMORANDUMS (TAMS) TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UNRELATED BUSINESS INCOME TAX (UBIT). UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED NO LIABILITY EXISTS FROM FEDERAL OR STATE TAXATION OF ACTIVITIES DEEMED TO BE UNRELATED TO ITS EXEMPT PURPOSE. AS SUCH, THE CREDIT UNION HAS NOT FILED TAX RETURNS FOR REPORTING UBIT-RELATED INCOME FOR TAX YEARS PRIOR TO 2020. THE IRS AND STATE, WHERE APPLICABLE, HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR YEARS IN WHICH NO TAX RETURNS WERE FILED. MANAGEMENT HAS DETERMINED THAT THE FINANCIAL IMPACT, IF ANY, OF NOT FILING UBIT-RELATED INCOME TAX RETURNS IN PREVIOUS YEARS WOULD NOT BE MATERIAL TO THE CREDIT UNION'S FINANCIAL STATEMENTS.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
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	JOHN W MARTIN	PersonNm
Title	PRESIDENT/CHIEF EXECUTIVE OFFICER	TitleTxt
Base Compensation Filing Org	$139,843	BaseCompensationFilingOrgAmt
Compensation Based On Rltd Orgs	$0	CompensationBasedOnRltdOrgsAmt
Bonus Filing Organization	$16,989	BonusFilingOrganizationAmount
Bonus Related Organizations	$0	BonusRelatedOrganizationsAmt
Other Compensation Filing Org	$0	OtherCompensationFilingOrgAmt
Other Compensation Rltd Orgs	$0	OtherCompensationRltdOrgsAmt
Deferred Compensation Flng Org	$5,586	DeferredCompensationFlngOrgAmt
Deferred Comp Rltd Orgs	$0	DeferredCompRltdOrgsAmt
Nontaxable Benefits Filing Org	$22,601	NontaxableBenefitsFilingOrgAmt
Nontaxable Benefits Rltd Orgs	$0	NontaxableBenefitsRltdOrgsAmt
Total Compensation Filing Org	$185,019	TotalCompensationFilingOrgAmt
Total Compensation Rltd Orgs	$0	TotalCompensationRltdOrgsAmt
Comp Report Prior990 Filing Org	$0	CompReportPrior990FilingOrgAmt
Comp Report Prior990 Rltd Orgs	$0	CompReportPrior990RltdOrgsAmt

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 MEMBERS. MEMBERS ARE REQUIRED TO MAINTAIN A MINIMUM BALANCE OF $5.00 ON DEPOSIT IN A SHARE ACCOUNT.
FORM 990, PART VI, SECTION A, LINE 7A	THE MEMBERS OF THE CREDIT UNION ELECT THE MEMBERS OF THE BOARD OF DIRECTORS ONCE A YEAR AT THE ANNUAL MEEITNG.
FORM 990, PART VI, SECTION A, LINE 7B	THE MEMBERS OF THE CREDIT UNION ELECT THE MEMBERS OF THE BOARD OF DIRECTORS ONCE A YEAR AT THE ANNUAL MEEITNG.
FORM 990, PART VI, SECTION B, LINE 11B	A THIRD PARTY CPA FIRM IS USED TO COMPLETE THE RETURN. A DRAFT RETURN IS PRESENTED TO THE CFO AND THE CEO FOR REVIEW. ONCE REVIEW OF THE DRAFT IS COMPLETED AND ANY CORRECTIONS ARE MADE, THE RETURN IS FILED.
FORM 990, PART VI, SECTION B, LINE 12C	ANY EMPLOYEE, DIRECTOR OR COMMITTEE MEMBER FROM THIS CREDIT UNION WHO IS OFFERED, RECEIVES OR ANTICIPATES RECEIVING ANYTHING OF VALUE WILL DISCLOSE IT TO THE CREDIT UNION SUPERVISORY COMMITTEE OR DESIGNATED OFFICIAL FOR THIS PURPOSE. THE SUPERVISORY COMMITTEE WILL KEEP WRITTEN RECORDS OF THE DISCLOSURES.
FORM 990, PART VI, SECTION B, LINE 15	PEER SALARY SURVEY DATA AND PERFORMANCE EVALUATIONS ARE USED TO DETERMINE COMPENSATION. COMPENSATION FOR THE CEO IS DETERMINED/REVIEWED BY THE BOARD OF DIRECTORS ANNUALLY. SENIOR MANAGEMENT EMPLOYEES RECEIVE ANNUAL EVALUATIONS BY THE CEO.
FORM 990, PART VI, SECTION C, LINE 19	THE CREDIT UNION HAS A MEMBER ACCESS TO RECORD POLICY IN PLACE. REQUESTS ARE MADE IN WRITING AND FORWARDED TO THE CEO FOR REVIEW PRIOR TO RELEASING INFORMATION. FINANCIAL STATEMENTS ARE POSTED MONTHLY AT EACH BRANCH LOCATION AND THE PUBLIC HAS ACCESS TO REVIEW THE QUARTERLY CALL REPORT ONLINE AT WWW.NCUA.GOV.
FORM 990, PART XII, LINE 2C:	THERE WERE NO CHANGES IN THE PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY OF THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR.