GREAT LAKES CREDIT UNION: Form 990, tax year 2017

View the entire original 990 at ProPublica ↗

Organization: GREAT LAKES CREDIT UNION (EIN 36-1163912)
Tax period: 2017-01-01 to 2017-12-31
Filed: 2018-11-14
IRS object ID: 201843189349302519
Schema version: 2017v2.2
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule C
Schedule D
Schedule I
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2018-11-14T10:02:20-06:00	ReturnTs
Tax Period End	2017-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	350921680	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	CROWE LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	225 West Wacker Drive Suite 2600	AddressLine1Txt
City	Chicago	CityNm
State Abbreviation	IL	StateAbbreviationCd
ZIP	606061224	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2017-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	361163912	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	GREA	BusinessNameControlTxt
Phone	8475787000	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2111 Waukegan Road	AddressLine1Txt
City	Bannockburn	CityNm
State Abbreviation	IL	StateAbbreviationCd
ZIP	60015	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	Kamil Sakici	PersonNm
Person Title	EVP/CFO	PersonTitleTxt
Signature	2018-11-14	SignatureDt
Discuss With Paid Preparer	Yes (true)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	Nicole Bencik	PreparerPersonNm
PTIN	P00756195	PTIN
Phone	3128997000	PhoneNum

Field	Value	IRS element (for citing)
Tax	2017	TaxYr
Build TS	2019-02-21 02:37:17Z	BuildTS

Form 990 IRS990

Principal Ofcr Business Name PrincipalOfcrBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	Vikki Kaiser	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2111 Waukegan Road	AddressLine1Txt
City	Bannockburn	CityNm
State Abbreviation	IL	StateAbbreviationCd
ZIP	60015	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$55,046,485	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	www.GCLU.org	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1938	FormationYr
Legal Domicile State	IL	LegalDomicileStateCd
Activity Or Mission	THE PRIMARY EXEMPT PURPOSE OF GREAT LAKES CREDIT UNION (GLCU) IS TO PROVIDE LOANS, SAVINGS ACCOUNTS, AND OTHER FINANCIAL SERVICES THAT PROMOTE THE FINANCIAL PROSPERITY OF OUR 86,023 MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	310	TotalEmployeeCnt
Total Volunteers	10	TotalVolunteersCnt
Total Gross UBI	$154,598	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$1,110	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$34,275,704	PYProgramServiceRevenueAmt
CY Program Service Revenue	$38,814,957	CYProgramServiceRevenueAmt
PY Investment Income	$4,235,133	PYInvestmentIncomeAmt
CY Investment Income	$3,182,528	CYInvestmentIncomeAmt
PY Other Revenue	$31,650	PYOtherRevenueAmt
CY Other Revenue	$30,000	CYOtherRevenueAmt
PY Total Revenue	$38,542,487	PYTotalRevenueAmt
CY Total Revenue	$42,027,485	CYTotalRevenueAmt
PY Grants And Similar Paid	$6,000	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$6,000	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$2,675,894	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$16,883,195	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$17,400,250	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$17,299,813	PYOtherExpensesAmt
CY Other Expenses	$22,435,890	CYOtherExpensesAmt
PY Total Expenses	$36,864,902	PYTotalExpensesAmt
CY Total Expenses	$39,842,140	CYTotalExpensesAmt
PY Revenues Less Expenses	$1,677,585	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$2,185,345	CYRevenuesLessExpensesAmt
Total Assets BOY	$767,316,538	TotalAssetsBOYAmt
Total Assets EOY	$796,724,477	TotalAssetsEOYAmt
Total Liabilities BOY	$696,382,876	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$724,077,868	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$70,933,662	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$72,646,609	NetAssetsOrFundBalancesEOYAmt
Mission	THE PRIMARY EXEMPT PURPOSE OF GREAT LAKES CREDIT UNION (GLCU) IS TO PROVIDE LOANS, SAVINGS ACCOUNTS, AND OTHER FINANCIAL SERVICES THAT PROMOTE THE FINANCIAL PROSPERITY OF OUR 86,023 MEMBERS	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	LOANS ARE GRANTED TO INDIVIDUALS WHO ARE MEMBERS IN GOOD STANDING WITH THE CREDIT UNION AND WHO QUALIFY FOR SUCH LOANS. FOR 2017, GLCU PROVIDED THE FOLLOWING LOANS --307 MORTGAGES TOTALING $58,208,323 VEHICLE LOANS TOTALING $101,898,289; CONSUMER LOANS TOTALING $48,110,664.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	ATM/DEBIT CARDS AND CHECK CARDS ARE AVAILABLE TO MEMBERS WHO APPLY FOR ELECTRONIC ACCESS TO THEIR ACCOUNTS FOR DEPOSIT AND WITHDRAWAL OF FUNDS AND ACCOUNT INFORMATION. VARIOUS TYPES OF CHECKING ACCOUNTS ARE OFFERED TO MEMBERS, SOME WITH NO MONTHLY SERVICE FEE.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	VARIOUS INSURANCE PRODUCTS ARE OFFERED TO MEMBERS. TYPES OF PRODUCTS OFFERED INCLUDE CREDIT LIFE, CREDIT DISABILITY, MECHANICAL BREAKDOWN PROTECTION (MBP), AND FINANCIAL GAP PROTECTION.	Desc

Field	Value	IRS element (for citing)
Total Program Service Expenses	$0	TotalProgramServiceExpensesAmt
Described In Section501c3	false	DescribedInSection501c3Ind
Schedule B Required	false	ScheduleBRequiredInd
Political Campaign Acty	Yes (true)	PoliticalCampaignActyInd
Subject To Proxy Tax	false	SubjectToProxyTaxInd
Donor Advised Fund	false	DonorAdvisedFundInd
Conservation Easements	false	ConservationEasementsInd
Collections Of Art	false	CollectionsOfArtInd
Credit Counseling	Yes (true)	CreditCounselingInd
Temp Or Permanent Endowments	false	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (true)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	false	ReportInvestmentsOtherSecInd
Report Program Related Invst	false	ReportProgramRelatedInvstInd
Report Other Assets	false	ReportOtherAssetsInd
Report Other Liabilities	Yes (true)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (true)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (true)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	false	ConsolidatedAuditFinclStmtInd
School Operating	false	SchoolOperatingInd
Foreign Office	false	ForeignOfficeInd
Foreign Activities	false	ForeignActivitiesInd
More Than5000 K To Org	false	MoreThan5000KToOrgInd
More Than5000 K To Individuals	false	MoreThan5000KToIndividualsInd
Professional Fundraising	false	ProfessionalFundraisingInd
Fundraising Activities	false	FundraisingActivitiesInd
Gaming Activities	false	GamingActivitiesInd
Operate Hospital	false	OperateHospitalInd
Grants To Organizations	false	GrantsToOrganizationsInd
Grants To Individuals	Yes (true)	GrantsToIndividualsInd
Schedule J Required	Yes (true)	ScheduleJRequiredInd
Tax Exempt Bonds	false	TaxExemptBondsInd
Loan Outstanding	Yes (true)	LoanOutstandingInd
Grant To Related Person	false	GrantToRelatedPersonInd
Business Rln With Org Mem	false	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	false	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	false	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	false	DeductibleNonCashContriInd
Deductible Art Contribution	false	DeductibleArtContributionInd
Terminate Operations	false	TerminateOperationsInd
Partial Liquidation	false	PartialLiquidationInd
Disregarded Entity	false	DisregardedEntityInd
Related Entity	false	RelatedEntityInd
Related Organization Ctrl Ent	false	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
IRP Document	23040	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (true)	BackupWthldComplianceInd
Employee	310	EmployeeCnt
Employment Tax Returns Filed	Yes (true)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (true)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (true)	Form990TFiledInd
Foreign Financial Account	false	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTransInd
Taxable Party Notification	false	TaxablePartyNotificationInd
Nondeductible Contributions	false	NondeductibleContributionsInd
Indoor Tanning Services	false	IndoorTanningServicesInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	IndependentVotingMemberCnt
Family Or Business Rln	Yes (true)	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	false	DelegationOfMgmtDutiesInd
Change To Org Documents	false	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	false	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (true)	MembersOrStockholdersInd
Election Of Board Members	Yes (true)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (true)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (true)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (true)	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	Yes (true)	LocalChaptersInd
Policies Reference Chapters	Yes (true)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	Yes (true)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (true)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (true)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (true)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (true)	WhistleblowerPolicyInd
Document Retention Policy	Yes (true)	DocumentRetentionPolicyInd
Compensation Process CEO	false	CompensationProcessCEOInd
Compensation Process Other	false	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	IL	StatesWhereCopyOfReturnIsFldCd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	KAMIL SAKICI	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	8475787000	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2111 WAUKEGAN ROAD	AddressLine1Txt
City	BANOCKBURN	CityNm
State Abbreviation	IL	StateAbbreviationCd
ZIP	60015	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (18 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Key EmployeeKeyEmployeeInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
JAMES A FABRIE
CHAIR	5.0	Yes (X)	Yes (X)	$0	$0	$0
R LEE PIEKARZ
VICE CHAIR	5.0	Yes (X)	Yes (X)	$0	$0	$0
PATRICE PRICE
TREASURER	5.0	Yes (X)	Yes (X)	$0	$0	$0
BERTINE A NIXON
SECRETARY	5.0	Yes (X)	Yes (X)	$0	$0	$0
RICH DURANTE
DIRECTOR	5.0	Yes (X)		$0	$0	$0
KEVIN LEMAN
DIRECTOR	5.0	Yes (X)		$0	$0	$0
JIM E MARCH
DIRECTOR	5.0	Yes (X)		$0	$0	$0
SHIRLEY M SOLBERG
DIRECTOR	5.0	Yes (X)		$0	$0	$0
STEPHEN M PARK
DIRECTOR	5.0	Yes (X)		$0	$0	$0
ERICKA GORMAN
CHIEF LENDING & OPERATIONS OFFICER	40.0			$248,280	$0	$23,921	Yes (X)
KEVIN BOGAC
CHIEF TECHNOLOGY & MEMBER SERVICE OFFICER	40.0			$283,508	$0	$9,713	Yes (X)
VIKKI KAISER
PRESIDENT/CEO	40.0			$581,603	$0	$21,425	Yes (X)
KAMIL SAKICI
EVP - CHIEF FINANCIAL OFFICER	40.0			$400,349	$0	$28,297	Yes (X)
YVONNE BAILEY
VP, GROWTH AND DEVELOPMENT	40.0			$198,505	$0	$23,764		Yes (X)
ERIC VESSELE
VP, COMMERCIAL LENDING	40.0			$182,227	$0	$28,297		Yes (X)
LORRAINE KOST
VP, HUMAN RESOURCES AND ORGANIZATIONAL DEVELOPMENT	40.0			$168,679	$0	$17,854		Yes (X)
MICHAEL WALKER
MANAGER, MORTGAGE DEPARTMENT TRAINING	40.0			$147,721	$0	$11,138		Yes (X)
LYNN ESP
GENERAL COUNSEL	40.0			$147,202	$0	$22,610		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,358,074	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$187,019	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	19	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (true)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
JACK HENRY & ASSOCIATES INC
PO BOX 609	MONETT	MO	65708	SOFTWARE	$698,862
CARDTRONICS USA INC
3250 BRIARPARK DRIVE	HOUSTON	TX	77042	ATM SERVICE	$387,156
MERIDIAN IT INC
PO BOX 33950	CHICAGO	IL	60694	NETWORK SUPPORT	$381,334
ACCOUNTTEMPS - ROBERT HALF CO
12400 COLLECTIONS CENTER DR	CHICAGO	IL	60693	TEMP AGENCY SERVICES	$243,035
MICRODYNAMICS CORPORATION
8580 SOLUTION CENTER	CHICAGO	IL	60677	STATEMENT SERVICE	$195,131

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	17	CntrctRcvdGreaterThan100KCnt
Federated Campaigns	$0	FederatedCampaignsAmt
Membership Dues	$0	MembershipDuesAmt
Fundraising	$0	FundraisingAmt
Related Organizations	$0	RelatedOrganizationsAmt
Government Grants	$0	GovernmentGrantsAmt
All Other Contributions	$0	AllOtherContributionsAmt
Noncash Contributions	$0	NoncashContributionsAmt
Total Contributions	$0	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	522100	$26,080,190	$26,080,190
SERVICE FEE INCOME	522100	$5,334,094	$5,329,329	$4,765
ATM/CREDIT CARD SERVICES	522100	$3,797,576	$3,647,743	$149,833
FEE/OTHER MISC INCOME	522100	$1,870,559	$1,870,559
Mortgage Loan Income	522100	$1,732,538	$1,732,538

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	$38,814,957	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,959,864	TotalRevenueColumnAmt
Exclusion	$1,959,864	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$30,000	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$30,000	RealAmt
Personal	$0	PersonalAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$30,000	TotalRevenueColumnAmt
Exclusion	$30,000	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$13,680,133	SecuritiesAmt
Other	$561,531	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$12,500,001	SecuritiesAmt
Other	$518,999	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$1,180,132	SecuritiesAmt
Other	$42,532	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,222,664	TotalRevenueColumnAmt
Exclusion	$1,222,664	ExclusionAmt

Miscellaneous Revenue MiscellaneousRevenueGrp

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)
Other Revenue Total	$0	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$42,027,485	TotalRevenueColumnAmt
Related Or Exempt Func Income	$38,660,359	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$154,598	UnrelatedBusinessRevenueAmt
Exclusion	$3,212,528	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$6,000	TotalAmt

Foreign Grants ForeignGrantsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,597,096	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$12,675,609	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$494,547	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,508,908	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$1,124,090	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$244,350	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$324,833	TotalAmt

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$37,673	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$3,264,127	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$375,115	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,453,210	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$1,008,766	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,576,207	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$349,599	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$3,859,664	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$2,328,152	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$183,544	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
PROVISION FOR LOAN LOSS	$5,165,572
ATM NETWORK FEES	$268,542
CK & PMT PROCESSING FEE	$66,491
ARMORED CAR SERVICE	$58,391

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,871,654	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$39,842,140	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	$25,370,368	BOYAmt
EOY	$39,522,612	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$18,058,385	BOYAmt
EOY	$11,611,979	EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

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

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$2,265,416	EOYAmt

Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp

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

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$590,966,030	BOYAmt
EOY	$593,798,197	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$833,162	BOYAmt
EOY	$832,283	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$48,054,859	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$20,539,990	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$28,554,320	BOYAmt
EOY	$27,514,869	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$74,276,752	BOYAmt
EOY	$90,380,242	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$4,349,000	BOYAmt
EOY	$3,436,023	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

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

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$1,510,095	BOYAmt
EOY	$1,178,667	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$23,398,426	BOYAmt
EOY	$26,184,189	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$767,316,538	BOYAmt
EOY	$796,724,477	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$4,870,342	BOYAmt
EOY	$4,479,242	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$4,154,766	BOYAmt
EOY	$4,545,129	EOYAmt

Loans From Officers Directors LoansFromOfficersDirectorsGrp

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

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$43,927,910	BOYAmt
EOY	$63,636,068	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$643,429,858	BOYAmt
EOY	$651,417,429	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$696,382,876	BOYAmt
EOY	$724,077,868	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow SFAS117	Yes (X)	OrgDoesNotFollowSFAS117Ind

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$70,933,662	BOYAmt
EOY	$72,646,609	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$70,933,662	BOYAmt
EOY	$72,646,609	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$767,316,538	BOYAmt
EOY	$796,724,477	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$2,185,345	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$584,448	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$112,050	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	Yes (true)	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 (true)	AuditCommitteeInd
Federal Grant Audit Required	false	FederalGrantAuditRequiredInd

Schedule C IRS990ScheduleC

Field	Value	IRS element (for citing)
Political Expenditures	$2,750	PoliticalExpendituresAmt
Volunteer Hours	0	VolunteerHoursCnt
Internal Funds Contributed	$2,750	InternalFundsContributedAmt
Total Exempt Function Expend	$2,750	TotalExemptFunctionExpendAmt
Form1120 POL Filed	Yes (true)	Form1120POLFiledInd

Section527 Political Org Section527PoliticalOrgGrp

Organization Business Name OrganizationBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CREDIT UNION POLITICAL ACTION COMMITTEE	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1807 W DIEHL ROAD 3107	AddressLine1Txt
City	NAPERVILLE	CityNm
State Abbreviation	IL	StateAbbreviationCd
ZIP	60566	ZIPCd

Field	Value	IRS element (for citing)
EIN	363092340	EIN
Paid Internal Funds	$2,750	PaidInternalFundsAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Schedule C, Part I-A, Line 1 Description of Political Activities	FormAndLineReferenceDesc
Explanation	THE ORGANIZATION MAKES POLITICAL EXPENDITURES FOR THE PURPOSE OF SUPPORTING THE CREDIT UNION POLITICAL ACTION COMMITTEE.	ExplanationTxt

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	false	AgentTrusteeEtcInd
Incl Escrow Custodial Acct Liab	Yes (true)	InclEscrowCustodialAcctLiabInd
Explanation Provided	Yes (X)	ExplanationProvidedInd

Land LandGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$554,823	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$9,911,483	OtherCostOrOtherBasisAmt
Book Value	$10,466,306	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$22,224,192	OtherCostOrOtherBasisAmt
Depreciation	$9,320,396	DepreciationAmt
Book Value	$12,903,796	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$14,125,685	OtherCostOrOtherBasisAmt
Depreciation	$10,899,403	DepreciationAmt
Book Value	$3,226,282	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,238,676	OtherCostOrOtherBasisAmt
Depreciation	$320,191	DepreciationAmt
Book Value	$918,485	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$27,514,869	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBERS' SHARES	Desc
Amt	$651,417,429	Amt

Field	Value	IRS element (for citing)
Total Liability	$651,417,429	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$41,327,033	TotalRevEtcAuditedFinclStmtAmt
Net Unrealized Gains Invst	-$584,448	NetUnrealizedGainsInvstAmt
Other Revenue	$0	OtherRevenueAmt
Revenue Not Reported	-$584,448	RevenueNotReportedAmt
Revenue Subtotal	$41,911,481	RevenueSubtotalAmt
Other Revenues Not Included	$116,004	OtherRevenuesNotIncludedAmt
Revenue Not Reported Fincl Stmt	$116,004	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$42,027,485	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$39,842,140	TotExpnsEtcAuditedFinclStmtAmt
Other Expenses Included	$0	OtherExpensesIncludedAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$39,842,140	ExpensesSubtotalAmt
Other Expenses Not Included	$0	OtherExpensesNotIncludedAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$39,842,140	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (3 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Schedule D, Part IV, Line 2b Explanation of escrow agreement	ESCROW ACCOUNTS ARE HELD TEMPORARILY FOR CURRENT CUSTOMERS ENGAGED IN LOAN ACTIVITY.
Schedule D, Part X, Line 2 FIN 48 (ASC 740) footnote	THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL AND STATE INCOME TAXES. THE CREDIT UNION DID NOT INCUR ANY UNRELATED BUSINESS INCOME TAX IN 2017. A TAX POSITION WILL BE RECOGNIZED AS A BENEFIT ONLY IF IT IS "MORE LIKELY THAN NOT" THAT THE TAX POSITION WOULD BE SUSTAINED IN A TAX EXAMINATION, WITH A TAX EXAMINATION BEING PRESUMED TO OCCUR. THE AMOUNT RECOGNIZED WILL BE THE LARGEST AMOUNT OF TAX BENEFIT THAT IS GREATER THAN 50% LIKELY OF BEING REALIZED ON EXAMINATION. FOR TAX POSITIONS NOT MEETING THE "MORE LIKELY THAN NOT" TEST, NO TAX BENEFIT WILL BE RECORDED. MANAGEMENT EVALUATED THE CREDIT UNION'S TAX POSITIONS AND CONCLUDED THAT THE CREDIT UNION HAD TAKEN NO UNCERTAIN TAX POSITIONS THAT REQUIRE ADJUSTMENT TO THE FINANCIAL STATEMENTS.
Schedule D, Part XI, Line 4(b) Other revenues in form 990 not in audited financial statements	Reclassification of adjustment of gains included in net income - 1977 Reclassification adjustment for amortization of prior service cost and net gain in net income - 114027

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	false	GrantRecordsMaintainedInd

Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp

Field	Value	IRS element (for citing)
Grant Type	COLLEGE SCHOLARSHIPS	GrantTypeTxt
Recipient	6	RecipientCnt
Cash Grant	$6,000	CashGrantAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Schedule I, Part I, Line 2 Procedures for monitoring use of grant funds.	FormAndLineReferenceDesc
Explanation	Scholarship checks are made payable to the University on behalf of the student awarded.	ExplanationTxt

Schedule J IRS990ScheduleJ

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

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (9 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
ERICKA GORMAN
CHIEF LENDING & OPERATIONS OFFICER	$203,099	$0	$42,500	$0	$2,681	$0	$9,124	$0	$14,797	$0	$272,201	$0	$0	$0
KEVIN BOGAC
CHIEF TECHNOLOGY & MEMBER SERVICE OFFICER	$228,453	$0	$53,500	$0	$1,555	$0	$9,713	$0	$0	$0	$293,221	$0	$0	$0
VIKKI KAISER
PRESIDENT/CEO	$424,348	$0	$500	$0	$156,755	$0	$13,500	$0	$7,925	$0	$603,028	$0	$0	$0
KAMIL SAKICI
EVP - CHIEF FINANCIAL OFFICER	$295,407	$0	$102,500	$0	$2,442	$0	$13,500	$0	$14,797	$0	$428,646	$0	$0	$0
YVONNE BAILEY
VP, GROWTH AND DEVELOPMENT	$179,239	$0	$17,250	$0	$2,016	$0	$8,967	$0	$14,797	$0	$222,269	$0	$0	$0
ERIC VESSELE
VP, COMMERCIAL LENDING	$155,060	$0	$26,850	$0	$317	$0	$13,500	$0	$14,797	$0	$210,524	$0	$0	$0
LORRAINE KOST
VP, HUMAN RESOURCES AND ORGANIZATIONAL DEVELOPMENT	$157,236	$0	$8,275	$0	$3,168	$0	$8,488	$0	$9,366	$0	$186,533	$0	$0	$0
MICHAEL WALKER
MANAGER, MORTGAGE DEPARTMENT TRAINING	$99,818	$0	$40,202	$0	$7,701	$0	$5,668	$0	$5,470	$0	$158,859	$0	$0	$0
LYNN ESP
GENERAL COUNSEL	$134,663	$0	$9,775	$0	$2,764	$0	$7,813	$0	$14,797	$0	$169,812	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (3 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Schedule J, Part I, Line 1a Travel for companions	GREAT LAKES CREDIT UNION ALLOWS A COMPANION TO JOIN EACH DIRECTOR OR SENIOR MANAGEMENT MEMBER ON ONE BUSINESS TRAVEL A YEAR. THE COMPANIONS ARE EXPECTED TO PARTICIPATE IN THE NETWORKING EVENTS AND REPRESENT GLCU. THE TRAVEL EXPENSES ARE TREATED AS TAXABLE COMPENSATION.
Schedule J, Part I, Line 4a Severance or change-of-control payment	Vikki Kaiser, PRESIDENT/CEO, RECEIVED SEVERANCE PAYMENTS OF $178,841.
Schedule J, Part I, Line 4b Supplemental nonqualified retirement plan	THE ORGANIZATION HAS A 457(F) PLAN FOR ITS CEO. THERE WAS ONE DISTRIBUTION APPROVED TO BE PAID IN JANUARY OF 2018: VIkKI KAISER - $36,448 CERTAIN EXECUTIVES PARTICIPATE IN A SPLIT-DOLLAR LIFE INSURANCE PLAN. PREMIUMS PAID ON BEHALF OF THE EXECUTIVES ARE TREATED AS LOANS. LISTED BELOW ARE THE EXECUTIVES WHO PARTICIPATE IN THE PLAN AND THE OUTSTANDING LOAN BALANCE AS OF 12/31/17: KAMIL SAKICI - $2,265,416

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	Kamil Sakici	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Relationship With Org	CFO	RelationshipWithOrgTxt
Loan Purpose	SPLIT DOLLAR PLAN PREMIUM	LoanPurposeTxt
Loan From Organization	Yes (X)	LoanFromOrganizationInd
Original Principal	$2,146,753	OriginalPrincipalAmt
Balance Due	$2,265,416	BalanceDueAmt
Default	false	DefaultInd
Board Or Committee Approval	Yes (true)	BoardOrCommitteeApprovalInd
Written Agreement	Yes (true)	WrittenAgreementInd

Field	Value	IRS element (for citing)
Total Balance Due	$2,265,416	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (10 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Form 990, Part VI, Line 15a PROCESS TO ESTABLISH COMPENSATION OF TOP MANAGEMENT OFFICIAL	BUILDING ON THE PROCESS GLCU BEGAN IN 2011 WITH CARDWELL ASSOCIATES, AND USING EXTERNAL SALARY DATA FROM CUES, THE BOARD REVIEWS PRESIDENT/CEO DATA FOR DETERMINING COMPENSATION AND PRESIDENT/CEO EXECUTIVE SALARY SURVEY DATA FOR EXECUTIVE SALARY DETERMINATION. THIS PROCESS IS DOCUMENTED BY BOARD MINUTES.
Form 990, Part VI, Line 15b PROCESS TO ESTABLISH COMPENSATION OF OTHER EMPLOYEES	TO DETERMINE THE COMPENSATION FOR ORGANIZATIONAL OFFICERS AND OTHER KEY EMPLOYEES, GLCU USES COMPARABLE SURVEY INFORMATION AND INDEPENDENT CONSULTANT DATA. THIS PROCESS IS DOCUMENTED BY BOARD MINUTES.
Form 990, Part VI, Line 2 Family/business relationships amongst interested persons	VIKKI KAISER & KAMIL SAKICI - Business relationship
Form 990, Part VI, Line 6 Classes of members or stockholders	ALL MEMBERS OF GREAT LAKES CREDIT UNION ARE GIVEN ONE VOTE IN ELECTIONS WITHOUT PREFERENCE TO THE AMOUNT OF FUNDS THEY HAVE ON DEPOSIT WITH THE CREDIT UNION.
Form 990, Part VI, Line 7a Members or stockholders electing members of governing body	GREAT LAKES CREDIT UNION IS A MEMBER OWNED COOPERATIVE BUSINESS ORGANIZATION, GOVERNED BY A NINE MEMBER BOARD OF DIRECTORS. THE BOARD IS COMPRISED OF ACTIVE MEMBERS OF THE CREDIT UNION WHO ARE SELECTED BY THE MEMBERSHIP THROUGH A DEMOCRATIC ELECTION PROCESS.
Form 990, Part VI, Line 7b Decisions requiring approval by members or stockholders	MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR.
Form 990, Part VI, Line 11b Review of form 990 by governing body	THE ORGANIZATION'S MANAGEMENT REVIEWS THE FORM 990 IN DETAIL WITH THEIR PAID TAX PREPARERS. SUBSEQUENT TO THIS REVIEW, A FULL COPY OF THE FORM 990 IS PROVIDED TO ALL MEMBERS OF THE GOVERNING BODY DURING THE ORGANIZATION'S BOARD MEETING PRIOR TO FILING WITH THE IRS. ANY BOARD MEMBERS NOT PRESENT AT THIS BOARD MEETING ARE SENT A PAPER OR ELECTRONIC COPY OF THE FORM 990 PRIOR TO FILING WITH THE IRS.
Form 990, Part VI, Line 12c Conflict of interest policy	THE ORGANIZATION'S OFFICERS, DIRECTORS, TRUSTEES, AND KEY EMPLOYEES ARE REQUIRED TO ANNUALLY DISCLOSE ANY ACTUAL OR POTENTIAL CONFLICTS OF INTEREST THEY MAY HAVE WITH THE ORGANIZATION. THE EVP-CFO REVIEWS EACH POLICY STATEMENT SIGNED BY THESE INDIVIDUALS TO DETERMINE IF ANY CONFLICTS EXIST AND NEED TO BE BROUGHT TO THE ATTENTION OF THE BOARD. IF A CONFLICT ARISES, THE RESPECTIVE BOARD MEMBER WILL ABSTAIN FROM ANY RELATED DISCUSSION, VOTE OR SIMILAR ACTION ON THE MATTER.
Form 990, Part VI, Line 19 Required documents available to the public	FINANCIAL STATEMENTS, CONFLICT OF INTEREST POLICY AND GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST FOR THE SAME PERIOD OF DISCLOSURE AS SET FORTH IN SECTION 6104(D).
Form 990, Part XI, Line 9 Other changes in net assets or fund balances	Reclassification Adjustment of Gains included in net income - -1977; Reclassification adjustment for amortization of prior service cost and net gain included in net income - 114027;