CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN: Form 990, tax year 2017

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN (EIN 38-1395220)
Tax period: 2017-01-01 to 2017-12-31
Filed: 2018-10-26
IRS object ID: 201822999349301662
Schema version: 2017v2.3
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	2018-10-26T21:39:21-05:00	ReturnTs
Tax Period End	2017-12-31	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	305 W BIG BEAVER ROAD	AddressLine1Txt
City	TROY	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48084	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	381395220	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	FINA	BusinessNameControlTxt
Phone	9898926088	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1199 S EUCLID AVE	AddressLine1Txt
City	BAY CITY	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48706	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	JEREMY COBERLEY	PersonNm
Person Title	PRESIDENT/CEO	PersonTitleTxt
Phone	9898926088	PhoneNum
Signature	2018-10-25	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	JACK TRACY	PreparerPersonNm
PTIN	P01974742	PTIN
Phone	2482443000	PhoneNum

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	40.141.134.7	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2018-10-25	IPDt
IP Tm	13:01:52	IPTm
IP Timezone	ED	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	5C10503600C6A44598C4573B9F16AA1A88D12859	AtSubmissionCreationDeviceId
At Submission Filing Device Id	EEF4FE8CDEF09A7814C765BD24A2772B28E60280	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2017	TaxYr
Build TS	2018-06-14 16:35:46Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	JEREMY COBERLEY	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1199 S EUCLID AVE	AddressLine1Txt
City	BAY CITY	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48706	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$5,207,799	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.FINEDGECU.ORG	WebsiteAddressTxt
Type Of Organization Other	Yes (X)	TypeOfOrganizationOtherInd
Other Organization Dsc	CREDIT UNION	OtherOrganizationDsc
Formation	1950	FormationYr
Legal Domicile State	MI	LegalDomicileStateCd
Activity Or Mission	TO PROVIDE FINANCIAL SERVICES TO MEMBER OWNERS WITH A COMMON BOND.	ActivityOrMissionDesc
Voting Members Governing Body	8	VotingMembersGoverningBodyCnt
Voting Members Independent	8	VotingMembersIndependentCnt
Total Employee	40	TotalEmployeeCnt
Total Volunteers	8	TotalVolunteersCnt
Total Gross UBI	$26,789	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$11,314	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$4,461,066	PYProgramServiceRevenueAmt
CY Program Service Revenue	$4,669,159	CYProgramServiceRevenueAmt
PY Investment Income	$338,522	PYInvestmentIncomeAmt
CY Investment Income	$379,682	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$4,799,588	PYTotalRevenueAmt
CY Total Revenue	$5,048,841	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	$1,916,986	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$1,929,724	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$2,461,243	PYOtherExpensesAmt
CY Other Expenses	$2,455,433	CYOtherExpensesAmt
PY Total Expenses	$4,378,229	PYTotalExpensesAmt
CY Total Expenses	$4,385,157	CYTotalExpensesAmt
PY Revenues Less Expenses	$421,359	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$663,684	CYRevenuesLessExpensesAmt
Total Assets BOY	$88,727,949	TotalAssetsBOYAmt
Total Assets EOY	$92,466,467	TotalAssetsEOYAmt
Total Liabilities BOY	$79,721,755	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$82,860,238	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$9,006,194	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$9,606,229	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	FINANCIALEDGE IS COMMITTED TO PROVIDING EXCEPTIONAL SERVICE. WE VALUE MEMBERS' FINANCIAL WELL-BEING AND STRIVE TO HELP THEM ACHIEVE THEIR FINANCIAL GOALS. WE COMBINE PERSONAL SERVICE WITH MODERN TECHNOLOGY; CONTINUOUSLY PROVIDING MEMBERS WITH MORE CONVENIENT WAYS TO HANDLE THEIR FINANCES.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	PROVIDE 8,934 MEMBERS WITH REGULAR SAVINGS, SHARE DRAFTS, CERTIFICATES OF DEPOSIT, IRA AND MONEY MARKET ACCOUNTS TOTALING 18,555.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	PROVIDE 5,219 LOANS INCLUDING VEHICLE, OVERDRAFT PROTECTION, MORTGAGE, HOME EQUITY, SIGNATURE, CREDIT CARD, PARTICIPATION, AND RECREATIONAL VEHICLE LOANS.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, MONEY ORDERS, TRAVELERS CHECKS, BILL PAY, AND VARIOUS INSURANCE PROGRAMS.	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
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	Yes (1)	ReportInvestmentsOtherSecInd
Report Program Related Invst	Yes (1)	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 With Officer Ent	0	BusinessRlnWithOfficerEntInd
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	2386	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	40	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
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	8	GoverningBodyVotingMembersCnt
Independent Voting Member	8	IndependentVotingMemberCnt
Family Or Business Rln	Yes (1)	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	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	0	RegularMonitoringEnfrcInd
Whistleblower Policy	0	WhistleblowerPolicyInd
Document Retention Policy	0	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	0	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	FINANCIALEDGE COMMUNITY CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	9898926088	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1199 S EUCLID AVE	AddressLine1Txt
City	BAY CITY	CityNm
State Abbreviation	MI	StateAbbreviationCd
ZIP	48706	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (9 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd
NORMA FELKER
CHAIRPERSON	2.00	Yes (X)	$0	$0	$0
JON MORSE
VICE CHAIRPERSON	2.00	Yes (X)	$0	$0	$0
KAY WAGNER
SECRETARY/TREASURER	2.00	Yes (X)	$0	$0	$0
MICHELLE RICHARDSON
DIRECTOR	2.00	Yes (X)	$0	$0	$0
GARY KEIPERT
DIRECTOR	2.00	Yes (X)	$0	$0	$0
JILL BIESEL
DIRECTOR	2.00	Yes (X)	$0	$0	$0
BILL KEIPERT
DIRECTOR	2.00	Yes (X)	$0	$0	$0
JUDY SKORNIA
DIRECTOR	2.00	Yes (X)	$0	$0	$0
JEREMY COBERLEY
PRESIDENT/CEO	45.00		$149,384	$0	$34,565	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$149,384	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$34,565	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 (2 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
FISERV
255 FISERV DRIVE	BROOKFIELD	MI	53045	DEBIT AND CREDIT CARD PROCESSING	$189,537
SHARE ONE
2650 THOUSAND OAKS BLVD SUITE 112	MEMPHIS	TN	38118	DATA PROCESSING	$120,047

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

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
LOAN INTEREST INCOME	522100	$3,143,391	$3,143,391
FEE AND OTHER INCOME	522100	$1,498,979	$1,498,979
NON-MEMBER INSURANCE I	524298	$15,809		$15,809
NON-MEMBER ATM INCOME	900099	$9,452		$9,452
UNRELATED SPRINT INCOM	517000	$1,528		$1,528

Field	Value	IRS element (for citing)
Total Program Service Revenue	$4,669,159	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$394,877	TotalRevenueColumnAmt
Related Or Exempt Func Income	$394,877	RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$143,763	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$158,958	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	-$15,195	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$15,195	TotalRevenueColumnAmt
Related Or Exempt Func Income	-$15,195	RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$5,048,841	TotalRevenueColumnAmt
Related Or Exempt Func Income	$5,022,052	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$26,789	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part IX	Yes (X)	InfoInScheduleOPartIXInd

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$183,949	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,341,566	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$86,948	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$201,938	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$115,323	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$642,713	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$136,350	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$226,660	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$119,422	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$200,210	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$7,639	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$47,106	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$218,522	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$327,705	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$51,742	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
LOAN SERVICING	$336,888
PROVISION FOR LOAN LOSS	$94,200
EXAMINATION FEES	$22,623
MISCELLANEOUS EXPENSES	$18,150

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$5,503	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$4,385,157	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$992,431	BOYAmt
EOY	$999,187	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$70,627	BOYAmt
EOY	$81,859	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$57,114,723	BOYAmt
EOY	$60,825,100	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$181,245	BOYAmt
EOY	$134,762	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$5,347,163	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$1,607,603	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$4,039,156	BOYAmt
EOY	$3,739,560	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$16,131,459	BOYAmt
EOY	$18,348,046	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$9,004,907	BOYAmt
EOY	$7,110,691	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$1,193,401	BOYAmt
EOY	$1,227,262	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$88,727,949	BOYAmt
EOY	$92,466,467	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$876,290	BOYAmt
EOY	$978,282	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$78,845,465	BOYAmt
EOY	$81,881,956	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$79,721,755	BOYAmt
EOY	$82,860,238	EOYAmt

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

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	$9,006,194	BOYAmt
EOY	$9,606,229	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$9,006,194	BOYAmt
EOY	$9,606,229	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$88,727,949	BOYAmt
EOY	$92,466,467	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$663,684	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$63,649	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	$319,039	OtherCostOrOtherBasisAmt
Book Value	$319,039	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,579,678	OtherCostOrOtherBasisAmt
Depreciation	$894,678	DepreciationAmt
Book Value	$2,685,000	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,448,446	OtherCostOrOtherBasisAmt
Depreciation	$712,925	DepreciationAmt
Book Value	$735,521	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$3,739,560	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (6 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
CERTIFICATES OF DEPOSIT	$7,889,000	C
CERTIFICATES OF DEPOSIT-AFS	$9,784,850	F
CORPORATE BONDS-AFS	$301,646	F
FHLB STOCK	$261,300	C
CU SOLUTIONS GROUP STOCK	$91,250	C
CO-OP NETWORK	$20,000	C

Field	Value	IRS element (for citing)
Total Book Value Securities	$18,348,046	TotalBookValueSecuritiesAmt

Invst Program Related Org InvstProgramRelatedOrgGrp

Field	Value	IRS element (for citing)
Desc	ALLOYA CORPORATE FEDERAL CREDIT UNION	Desc
Book Value	$7,110,691	BookValueAmt
Method Valuation	C	MethodValuationCd

Field	Value	IRS element (for citing)
Total Book Value Program Rltd	$7,110,691	TotalBookValueProgramRltdAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARES AND DEPOSITS	Desc
Amt	$81,881,956	Amt

Field	Value	IRS element (for citing)
Total Liability	$81,881,956	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$5,048,841	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$5,048,841	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$5,048,841	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$4,385,157	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$4,385,157	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$4,385,157	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 BY STATUTE FROM FEDERAL AND STATE INCOME TAXES, BUT STILL MAY BE SUBJECT TO UNRELATED BUSINESS INCOME TAX (UBIT). UNRELATED BUSINESS INCOME IS INCOME FROM A TRADE OR BUSINESS REGULARLY CARRIED ON BY A TAX EXEMPT ORGANIZATION THAT IS NOT SUBSTANTIALLY RELATED TO THE ORGANIZATION'S EXEMPT PURPOSE.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
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	JEREMY COBERLEY	PersonNm
Title	PRESIDENT/CEO	TitleTxt
Base Compensation Filing Org	$134,471	BaseCompensationFilingOrgAmt
Compensation Based On Rltd Orgs	$0	CompensationBasedOnRltdOrgsAmt
Bonus Filing Organization	$11,213	BonusFilingOrganizationAmount
Bonus Related Organizations	$0	BonusRelatedOrganizationsAmt
Other Compensation Filing Org	$3,700	OtherCompensationFilingOrgAmt
Other Compensation Rltd Orgs	$0	OtherCompensationRltdOrgsAmt
Deferred Compensation Flng Org	$18,080	DeferredCompensationFlngOrgAmt
Deferred Comp Rltd Orgs	$0	DeferredCompRltdOrgsAmt
Nontaxable Benefits Filing Org	$16,485	NontaxableBenefitsFilingOrgAmt
Nontaxable Benefits Rltd Orgs	$0	NontaxableBenefitsRltdOrgsAmt
Total Compensation Filing Org	$183,949	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 2	BOARD MEMBERS BILL AND GARY KEIPERT ARE BROTHERS.
FORM 990, PART VI, SECTION A, LINE 6	THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE, AND VOTING.
FORM 990, PART VI, SECTION A, LINE 7A	THE BOARD OF DIRECTORS IS ELECTED AT THE ANNUAL MEETING. EACH BOARD MEMBER IS ELECTED FOR A THREE YEAR TERM.
FORM 990, PART VI, SECTION B, LINE 11B	A REVIEW IS CONDUCTED BY THE PRESIDENT/CEO AND THE 990 IS MADE AVAILABLE TO THE BOARD FOR REVIEW.
FORM 990, PART VI, SECTION B, LINE 15A	THE BOARD OF DIRECTORS COMPLETES A PERFORMANCE APPRAISAL OF THE PRESIDENT/CEO, ANNUALLY. THE PRESIDENT/CEO IS UNDER A CONTRACT WHICH IS ALSO BOARD APPROVED. SALARY INCREASES ARE BASED ON PERFORMANCE. SALARIES OF ALL OTHER PERSONNEL ARE BOARD APPROVED AS WELL.
FORM 990, PART VI, SECTION C, LINE 19	FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY. OTHER DOCUMENTS AND POLICIES ARE AVAILABLE FOR REVIEW UPON REQUEST.
FORM 990, PART IX, LINE 11G	PROFESSIONAL & OUTSIDE SERVICES 228,978. ATM/DEBIT CARD EXPENSE 413,735.
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.