FINANCIAL HORIZONS CREDIT UNION: Form 990, tax year 2019

View the entire original 990 at ProPublica ↗

Organization: FINANCIAL HORIZONS CREDIT UNION (EIN 88-0057898)
Tax period: 2019-01-01 to 2019-12-31
Filed: 2020-09-10
IRS object ID: 202022549349301807
Schema version: 2019v5.1
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	2020-09-10T19:26:12-05:00	ReturnTs
Tax Period End	2019-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	880118801	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	BARNARD VOGLER & CO CPA'S	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	100 W LIBERTY STREET SUITE 1100	AddressLine1Txt
City	RENO	CityNm
State Abbreviation	NV	StateAbbreviationCd
ZIP	895011959	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2019-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	880057898	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	FINA	BusinessNameControlTxt
Phone	7759452421	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 2288	AddressLine1Txt
City	HAWTHORNE	CityNm
State Abbreviation	NV	StateAbbreviationCd
ZIP	89415	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	THERESA LUPORI	PersonNm
Person Title	PRESIDENT/CEO	PersonTitleTxt
Phone	7759452421	PhoneNum
Signature	2020-09-08	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	TEELA MCCULLAR	PreparerPersonNm
PTIN	P01282477	PTIN
Phone	7757866141	PhoneNum

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	64.88.174.3	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2020-09-08	IPDt
IP Tm	14:50:40	IPTm
IP Timezone	PD	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	DA9266C6797A2A6D69C5992A34E58B55E300DD8A	AtSubmissionCreationDeviceId
At Submission Filing Device Id	DA9266C6797A2A6D69C5992A34E58B55E300DD8A	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2019	TaxYr
Build TS	2020-11-19 02:30:22Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	THERESA LUPORI	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	201 N MAIN STREET	AddressLine1Txt
City	YERINGTON	CityNm
State Abbreviation	NV	StateAbbreviationCd
ZIP	89447	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$8,573,703	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.FHCUNV.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1947	FormationYr
Legal Domicile State	NV	LegalDomicileStateCd
Activity Or Mission	FINANCIAL COOPERATIVE PROVIDING FINANCIAL SERVICES (SOLUTIONS) TO THE MEMBER/OWNERS OF THE CREDIT UNION.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	55	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$0	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$6,786,358	PYProgramServiceRevenueAmt
CY Program Service Revenue	$6,782,478	CYProgramServiceRevenueAmt
PY Investment Income	$1,500,176	PYInvestmentIncomeAmt
CY Investment Income	$1,791,225	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$8,286,534	PYTotalRevenueAmt
CY Total Revenue	$8,573,703	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	$2,743,566	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$2,504,683	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$3,683,099	PYOtherExpensesAmt
CY Other Expenses	$4,095,599	CYOtherExpensesAmt
PY Total Expenses	$6,426,665	PYTotalExpensesAmt
CY Total Expenses	$6,600,282	CYTotalExpensesAmt
PY Revenues Less Expenses	$1,859,869	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$1,973,421	CYRevenuesLessExpensesAmt
Total Assets BOY	$190,741,572	TotalAssetsBOYAmt
Total Assets EOY	$197,320,118	TotalAssetsEOYAmt
Total Liabilities BOY	$170,438,349	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$173,588,846	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$20,303,223	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$23,731,272	NetAssetsOrFundBalancesEOYAmt
Mission	TO PROVIDE FINANCIAL SERVICES AND SOLUTIONS TO THE MEMBERS/OWNERS OF THE CREDIT UNION.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	TO PROVIDE FINANCIAL SERVICES AND SOLUTIONS TO THE MEMBERS/OWNERS OF THE CREDIT UNION.	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	Yes (1)	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	0	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	1605	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	55	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	0	UnrelatedBusIncmOverLimitInd
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	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	Yes (1)	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	0	ConflictOfInterestPolicyInd
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 SCHNEIDER	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	7759452421	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	201 N MAIN STREET	AddressLine1Txt
City	YERINGTON	CityNm
State Abbreviation	NV	StateAbbreviationCd
ZIP	89447	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (9 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd
CHRIS SCHNEIDER
CFO	40.00	Yes (X)	$111,317	$0	$14,754
THERESA LUPORI
CEO	40.00	Yes (X)	$108,275	$0	$14,602
JIM SCOTT
CHAIRMAN	4.00	Yes (X)	$0	$0	$0	Yes (X)
DOUG HOMESTEAD
TREASURER	2.00	Yes (X)	$0	$0	$0	Yes (X)
PENNY MADRASO
SECRETARY	1.00	Yes (X)	$0	$0	$0	Yes (X)
RANDALL EMM
VICE CHAIRMAN	2.00	Yes (X)	$0	$0	$0	Yes (X)
JOANN BLAKE-SCIARANI
BOARD MEMBER	1.00		$0	$0	$0	Yes (X)
THOMAS ERICKSON
BOARD MEMBER	1.00		$0	$0	$0	Yes (X)
BARBARA REUTER
BOARD MEMBER	1.00		$0	$0	$0	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$219,592	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$29,356	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	2	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	0	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (2 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
FISERV
255 FISERV DRIVE	BROOKFIELD	WI	53045	PROVIDES MEMBER SERVICES TO THE CREDIT U	$1,154,318
CHRISTOPHER PETERSON
4600 MISSOURI FLAT ROAD STE 11	PLACERVILLE	CA	95667	IT AND CONSULTING SERVICES	$103,167

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	2	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
LOAN INTEREST INCOME	522100	$4,873,843	$4,873,843
FEE INCOME	522100	$1,724,154	$1,724,154
OTHER OPERATING INCOME	522100	$110,191	$110,191
INSURANCE COMMISSIONS	524298	$74,290	$74,290

Field	Value	IRS element (for citing)
Total Program Service Revenue	$6,782,478	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,778,306	TotalRevenueColumnAmt
Related Or Exempt Func Income	$1,778,306	RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$12,919	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

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

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	$12,919	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$12,919	TotalRevenueColumnAmt
Related Or Exempt Func Income	$12,919	RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$8,573,703	TotalRevenueColumnAmt
Related Or Exempt Func Income	$8,573,703	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$248,948	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,718,654	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$69,434	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$303,442	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$164,205	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$54,500	TotalAmt

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$24,823	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$100,435	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$531,702	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$1,479,042	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$342,932	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$3,346	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$718,966	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
PROVISION FOR LOAN LOSS	$323,539
EDUCATION AND PROMOTION	$198,030
LOAN SERVICING	$178,063
MISC.	$106,452

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$33,769	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$6,600,282	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$13,893,242	BOYAmt
EOY	$14,206,115	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$108,309,475	BOYAmt
EOY	$102,405,877	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$3,441,061	BOYAmt
EOY	$3,607,786	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$8,483,369	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$3,433,169	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$5,129,827	BOYAmt
EOY	$5,050,200	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$56,663,680	BOYAmt
EOY	$68,117,343	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$3,304,287	BOYAmt
EOY	$3,932,797	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$190,741,572	BOYAmt
EOY	$197,320,118	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$813,884	BOYAmt
EOY	$492,593	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$169,624,465	BOYAmt
EOY	$173,096,253	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$170,438,349	BOYAmt
EOY	$173,588,846	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	$20,303,223	BOYAmt
EOY	$23,731,272	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$20,303,223	BOYAmt
EOY	$23,731,272	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$190,741,572	BOYAmt
EOY	$197,320,118	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$1,973,421	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$1,454,628	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

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$729,819	OtherCostOrOtherBasisAmt
Book Value	$729,819	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$6,133,864	OtherCostOrOtherBasisAmt
Depreciation	$2,256,961	DepreciationAmt
Book Value	$3,876,903	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$847,409	OtherCostOrOtherBasisAmt
Depreciation	$535,623	DepreciationAmt
Book Value	$311,786	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$772,277	OtherCostOrOtherBasisAmt
Depreciation	$640,585	DepreciationAmt
Book Value	$131,692	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$5,050,200	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (3 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
FEDERAL AGENCY MORTGAGE BACKED SECURITIES	$47,144,941	F
CERTIFICATES OF DEPOSIT	$20,627,000	C
OTHER	$345,402	C

Field	Value	IRS element (for citing)
Total Book Value Securities	$68,117,343	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBERS' SHARE AND SAVINGS ACCOUNTS	Desc
Amt	$173,096,253	Amt

Field	Value	IRS element (for citing)
Total Liability	$173,096,253	TotalLiabilityAmt
Total Rev Etc Audited Fincl Stmt	$8,573,703	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$8,573,703	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$8,573,703	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$6,600,282	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$6,600,282	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$6,600,282	TotalExpensesPerForm990Amt

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

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 3	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION HAS USED COMPENSATION SURVEYS TO ESTABLISH APPROPRIATE SALARY AMOUNTS FOR THE CEO. ADDITIONALLY, THE CEO'S SALARY IS APPROVED BY THE BOARD.	ExplanationTxt

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (2 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
THERESA LUPORI
CEO	SPLIT-DOLLAR LIFE INSURANCE	Yes (X)	$1,672,785	$1,753,834	0	Yes (1)	Yes (1)
CHRIS SCHNEIDER
CFO	SPLIT-DOLLAR LIFE INSURANCE	Yes (X)	$1,768,276	$1,853,952	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$3,607,786	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 IS MEMBER OWNED.
FORM 990, PART VI, SECTION A, LINE 7A	ANNUALLY EVERY MEMBER HAS A RIGHT TO VOTE FOR MEMBERS RUNNING FOR OPEN BOARD OF DIRECTOR SEATS.
FORM 990, PART VI, SECTION A, LINE 7B	IF A MERGER OR CHANGE OF INSURER WERE TO BE CONSIDERED, A VOTE OF THE MEMBERS WOULD BE TAKEN.
FORM 990, PART VI, SECTION B, LINE 11B	THE FORM 990 WILL BE REVIEWED BY THE CEO AND THE CFO BEFORE IT IS FILED WITH THE IRS. THE BOARD WILL REVIEW THE FORM 990 AFTER IT IS FILED AS PART OF ITS BOARD ACTIVITIES.
FORM 990, PART VI, SECTION B, LINE 15	A REVIEW OF THE CREDIT UNION'S GOALS IS PERFORMED BY THE BOARD OF DIRECTORS AND COMPENSATION IS BASED UPON THE FINDINGS PRESENTED IN THE REVIEW.
FORM 990, PART VI, SECTION C, LINE 18	THE CREDIT UNION'S 990 IS AVAILABLE UPON REQUEST TO ANYONE WHO WISHES TO VIEW THE DOCUMENT.
FORM 990, PART VI, SECTION C, LINE 19	THE CREDIT UNION DOES NOT HAVE A WRITTEN CONFLICT OF INTEREST POLICY. ITS GOVERNING DOCUMENTS AND FINANICAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
PART XII LINE 2C	THIS PROCESS HAS NOT CHANGED FROM PRIOR YEARS.