2017-11-09T12:38:34-05:00 2016-12-31 272456118 Robert L Mann LLC PO Box 746 Fredericksburg VA 22404 990 2016-01-01 540357460 RICHMOND POSTAL CREDIT UNION INC RICH 1601 OWNBY LANE Richmond VA 23220 SHIRLEY COOPER CO-CEO 8043559684 2017-11-09 true ROBERT L MANN P01083360 5409032277 2017-11-09 108.44.162.42 2017-11-09 12:44:33 54858720173130ljulxw 2017-11-09 P 08878CB01F10D0551A20B49471D97835C0E3A66D 08878CB01F10D0551A20B49471D97835C0E3A66D 2016 2018-03-14 21:41:22Z 3520812 false X WWW.CURICH.ORG X 1923 VA CREDIT UNION IS A COOPERATIVE ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AMONG ITS MEMBERS AND CREATING A SOURCE OF CREDIT FOR PROVIDENT OR PRODUCTIVE PURPOSES. 9 9 25 32168 -9521 0 3139382 3104739 421829 416073 0 3561211 3520812 0 0 1072876 1176760 0 0 2200260 1597529 3273136 2774289 288075 746523 74975031 74382540 64302613 63281175 10672418 11101365 CREDIT UNION IS A COOPERATIVE ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AMONG ITS MEMBERS AND CREATING A SOURCE OF CREDIT FOR PROVIDENT OR PRODUCTIVE PURPOSES. false false 2774289 3520812 CREDIT UNION IS A COOPERATIVE ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AMONG ITS MEMBERS AND CREATING A SOURCE OF CREDIT FOR PROVIDENT OR PRODUCTIVE PURPOSES. 2774289 false false false false false false false false false true false true false true false false false false false false false false false false false false false false false false true false false false false false false false false false false false false false true 1087 0 true 25 true true true false false false false false X 9 9 false false false false true true false true true false false false false false true false false false X SHIRLEY COOPER CO-CEO 8043559684 1601 OWNBY LANE Richmond VA 23220 WAYNE BOOTHE BOARD MEMBER 1.00 0.00 X 0 0 0 ALPHONSO MILES BOARD MEMBER 1.00 0.00 X 0 0 0 YVONNE BAYLOR BOARD MEMBER 1.00 0.00 X 0 0 0 GERALDINE HORNE BOARD MEMBER 1.00 0.00 X 0 0 0 JAMES DAVIDSON BOARD MEMBER 1.00 0.00 X 0 0 0 DONALD HALL BOARD MEMBER 1.00 0.00 X 0 0 0 ALVIN STROTHER BOARD MEMBER 1.00 0.00 X 0 0 0 GLORIA SHAW BOARD MEMBER 1.00 0.00 X 0 0 0 ELMER SIMS BOARD MEMBER 1.00 0.00 X 0 0 0 SHIRLEY COOPER CO-CEO 40.00 0.00 X 95140 0 5678 PENNY WILLIAMS CO-CEO 40.00 0.00 X 97386 0 7615 192526 0 13293 0 false false false FISERV PORTICO 75 REMITTANCE DRIVE Chicago IL 606756974 DATA PROCESSOR 449157 PSCU 560 CARILLON PARKWAY Saint Petersburg FL 33716 CARD PROCESSOR 244180 2 LOAN INTEREST INCOME 900099 2176222 2176222 FEES AND CHARGES 900099 928517 896349 32168 3104739 416073 416073 3520812 3488644 32168 0 X 205819 205819 681931 681931 119970 119970 98601 98601 70439 70439 11848 11848 15000 15000 281817 281817 38807 38807 63531 63531 449157 449157 134492 134492 55375 55375 400790 400790 63146 63146 5292 5292 MISC EXP 7594 7594 CASH OVER SHORT 166 166 PROVISION FOR LOAN LOSSES -244056 -244056 PLASTIC CARD EXPENSE 314570 314570 2774289 2774289 0 0 2460521 3443224 11518575 11786444 99868 248579 114134 80126 33117347 32952945 1021543 957330 3117066 1455573 1708969 1661493 23807737 22078103 1126337 1174296 74975031 74382540 168987 1258926 64133626 62022249 64302613 63281175 X 10672418 11101365 10672418 11101365 74975031 74382540 X 746523 -181051 55024 -191549 X false false 288670 288670 2016378 735689 1280689 812018 719884 92134 1661493 FEDERAL AGENCY OBLIGATIONS 21451391 F MACFCU PERPETUAL CAP SHARES 419826 C FHLB STOCK 69800 C CUSC OF VIRGINIA 61359 C CU 24 INC 10625 C PSCU CAPITAL 65102 C 22078103 NCUSIF 578903 ACCRUED INT ON LOANS 93903 BORROWER INT RECEIVABLE 187 ATM IN TRANSIT 385425 ACCRUED INT ON INVESTMENTS 107284 ACCRUED INCOME ON VISA 7536 POSTAGE STAMPS 1058 1174296 SHAREDRAFTS 5457925 REGULAR SHARES 29237683 SHARE CERTIFICATES 21750403 IRA ACCOUNTS 5417323 CHRISTMAS SAVINGS 83325 ESCROW SHARES 175 ORGANIZATION ACCOUNTS 75415 62022249 GLORIA SHAW BOARD MEMBER MEMBER LOANS X 5000 4270 false true true WAYNE BOOTHE BOARD MEMBER MEMBER LOANS X 120100 41655 false true true GERALDINE HORNE BOARD MEMBER MEMBER LOAN X 14922 14466 false true true DONALD HALL BOARD MEMBER MEMBER LOAN X 20000 15367 false true true ELMER SIMS BOARD MEMBER MEMBER LOAN X 6000 4368 false true true 80126 Members or stockholder classes and rights Part VI line 6 CREDIT UNIONS ARE FINANCIAL INSTITUTIONS FORMED BY AN ORGANIZED GROUP OF PEOPLE WITH A COMMON BOND. EACH MEMBER OWNS ONE SHARE. EACH MEMBER HAS ONE VOTE TO ELECT THE BOARD OF DIRECTORS. Member election for additional members Part VI line 7a CREDIT UNIONS ARE FINANCIAL INSTITUTIONS FORMED BY AN ORGANIZED GROUP OF PEOPLE WITH A COMMON BOND. EACH MEMBER OWNS ONE SHARE. EACH MEMBER HAS ONE VOTE TO ELECT THE BOARD OF DIRECTORS. Form 990 governing body review Part VI line 11 THE CO-CEOS REVIEW THE 990 PRIOR TO ITS FILING. Governing documents etc available to public Part VI line 19 GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC. MEMBERS OF THE CREDIT UNION MAY REVIEW GOVERNING DOCUMENTS AT THE CREDIT UNION. GOVERNING DOCUMENTS ARE AVAILABLE FOR INSPECTION BY THE CREDIT UNIONS MEMBERS. Explanation of other changes in net assets or fund balances Part XI line 9 OTHER CHANGE IN RETAINED EARNINGS IS FROM THE CHANGE IN THE NET DEFINED BENEFIT PENSION PLAN ASSET/LIABILITY IN ACCORDANCE WITH FASB ACCOUNTING STANDARDS CODIFICATION 715 (ASC 715). List of other fees for services expenses Part IX line 11g 240-001 LEAGUE DUES 16,097.95240-100 ASSOCIATION DUES 1,820.20240-500 TAXES 1,472.79260-002 DONATIONS 966.70268-000 NEGATIVE BALANCE WRITE OFFS 6,743.96268-100 ODP WRITE OFFS 2,028.06269-000 BANK SERVICE CHARGES 30,972.84270-300 CARFAX EXPENSE 406.87270-400 WEBSITE EXPENSE 114.95288-000 CHECKING PROGRAM EXPENSE 4,487.69288-100 LOAN SERVICING EXPENSE 126.00292-000 BFI EXAMINATION EXPENSE 8,166.70295-700 FED EX EXPENSE 2,550.68295-800 VAN EXPENSE 831.72295-900 NAME CHANGE EXPENSE 68,171.56296-100 RECORD STORAGE EXPENSE 3,723.71296-200 ADP CHARGES 8,223.55296-300 TEMP STAFFING SERVICE 5,727.53296-400 EQUIFAX EXPENSE 22,908.08296-500 DIEBOLD EXPENSE 629.41296-000 PROFESSIONAL SERVICES 86,302.89 336-000 VCUL ANNUAL MEETING 5,265.00294-000 IRA FEES 4,074.98TOTAL 281,813.82