CO-OP CREDIT UNION OF MONTEVIDEO: Form 990, tax year 2016

View the entire original 990 at ProPublica ↗

Organization: CO-OP CREDIT UNION OF MONTEVIDEO (EIN 41-0693272)
Tax period: 2016-01-01 to 2016-12-31
Filed: 2017-10-07
IRS object ID: 201702829349300425
Schema version: 2016v3.0
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	2017-10-07T10:51:19-07:00	ReturnTs
Tax Period End	2016-12-31	TaxPeriodEndDt
Return Type	990	ReturnTypeCd
Tax Period Begin	2016-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	410693272	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CO-OP CREDIT UNION OF MONTEVIDEO	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	CO-O	BusinessNameControlTxt
Phone	3202692117	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2407 E HWY 7 PO BOX 447	AddressLine1Txt
City	MONTEVIDEO	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	56265	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	Kayla Reiffenberger	PersonNm
Person Title	President/CEO	PersonTitleTxt
Phone	3202692117	PhoneNum
Signature	2017-10-09	SignatureDt

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	66.191.79.2	IPv4AddressTxt

Field	Value	IRS element (for citing)
Tax	2016	TaxYr
Build TS	2021-01-29 14:40:06Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	KAYLA REIFFENBERGER	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2407 E HWY 7	AddressLine1Txt
Address Line2	PO BOX 447	AddressLine2Txt
City	MONTEVIDEO	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	56265	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$7,494,747	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.CO-OPCREDITUNION.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1940	FormationYr
Legal Domicile State	MN	LegalDomicileStateCd
Activity Or Mission	THE CREDIT UNION PROVIDES FINANCIAL SERVICES, INVESTMENT OPTIONS, AND LOANS FOR APPROXIMATELY 13,000 MEMBERS IN WEST CENTRAL MINNESOTA. THE CREDIT UNION HAS LOCATIONS IN MONTEVIDEO, BENSON, CANBY AND WILLMAR.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	54	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$7,139	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$6,290,912	PYProgramServiceRevenueAmt
CY Program Service Revenue	$7,118,551	CYProgramServiceRevenueAmt
PY Investment Income	$306,501	PYInvestmentIncomeAmt
CY Investment Income	$376,196	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$6,597,413	PYTotalRevenueAmt
CY Total Revenue	$7,494,747	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$383,573	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$446,769	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$2,341,307	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$2,410,467	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$1,993,364	PYOtherExpensesAmt
CY Other Expenses	$2,210,988	CYOtherExpensesAmt
PY Total Expenses	$4,718,244	PYTotalExpensesAmt
CY Total Expenses	$5,068,224	CYTotalExpensesAmt
PY Revenues Less Expenses	$1,879,169	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$2,426,523	CYRevenuesLessExpensesAmt
Total Assets BOY	$164,161,789	TotalAssetsBOYAmt
Total Assets EOY	$170,219,570	TotalAssetsEOYAmt
Total Liabilities BOY	$142,161,794	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$145,780,201	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$21,999,995	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$24,439,369	NetAssetsOrFundBalancesEOYAmt
Mission	THE CREDIT UNION PROVIDES FINANCIAL SERVICES, INVESTMENT OPTIONS, AND LOANS FOR APPROXIMATELY 13,000 MEMBERS IN WEST CENTRAL MINNESOTA. THE CREDIT UNION HAS LOCATIONS IN MONTEVIDEO, BENSON, CANBY AND WILLMAR.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	THE CREDIT UNION PROVIDES FINANCIAL SERVICES, INVESTMENT OPTIONS, AND LOANS FOR APPROXIMATELY 13,000 MEMBERS IN WEST CENTRAL MINNESOTA. THE CREDIT UNION HAS LOCATIONS IN MONTEVIDEO, BENSON, CANBY AND WILLMAR.	Desc
Total Other Prog Srvc Expense	$0	TotalOtherProgSrvcExpenseAmt
Total Other Prog Srvc Grant	$0	TotalOtherProgSrvcGrantAmt
Total Other Prog Srvc Revenue	$0	TotalOtherProgSrvcRevenueAmt
Total Program Service Expenses	$0	TotalProgramServiceExpensesAmt
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	0	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	5149	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	0	BackupWthldComplianceInd
Employee	54	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	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	0	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	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	0	WhistleblowerPolicyInd
Document Retention Policy	0	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	KAYLA REIFFENBERGER	PersonNm
Phone	3202692117	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2407 E HWY 7 PO BOX 447	AddressLine1Txt
City	MONTEVIDEO	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	56265	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (13 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Key EmployeeKeyEmployeeInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
DOUG OLSON
VICE CHAIRPERSON	1	0	Yes (X)	Yes (X)	$1,230	$0	$0
KYLE KRANZ
CHAIRPERSON	1	0	Yes (X)	Yes (X)	$1,490	$0	$0
PATRICK CARRUTH
BOARD MEMBER	1	0	Yes (X)		$1,250	$0	$0
KORWIN JOHNSON
BOARD MEMBER	1	0	Yes (X)		$1,250	$0	$0
MICHAEL MACE
SECRETARY	1	0	Yes (X)	Yes (X)	$1,450	$0	$0
PETER SCHMITZ
BOARD MEMBER	1	0	Yes (X)		$1,350	$0	$0
ELOISE VALENTINO
BOARD MEMBER	1	0	Yes (X)		$1,480	$0	$0
NANCY BORMANN
SUPERVISORY CHAIRPERSON	1	0	Yes (X)		$0	$0	$0
AARON VADNAIS
SUPERVISORY MEMBER	1	0	Yes (X)		$0	$0	$0
JANICE RUNNING
SUPERVISORY MEMBER	1	0	Yes (X)		$0	$0	$0
KAYLA REIFFENBERGER
PRESIDENT/CEO AND TREASURER (EFF 11/1/16)	40			Yes (X)	$117,598	$0	$7,506	Yes (X)	Yes (X)
LINDA GIVAN
PRESIDENT/CEO, TREASURER (RETIRED 11/1/16)	40	0		Yes (X)	$211,150	$0	$35,108	Yes (X)	Yes (X)
BRIAN SAMUELSON
VICE PRESIDENT OF LENDING	40	0			$102,518	$0	$27,533		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$440,766	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$70,147	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	3	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (3 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
BLUE CROSS BLUE SHIELD OF MN
3535 BLUE CROSS ROAD	EAGAN	MN	55122	HEALTH INSURANCE FOR EMPLOYEES	$301,768
FISERV
255 FISERV DRIVE	BROOKFIELD	WI	53008	COMPUTER SOFTWARE/SUPPLIES	$161,354
MARCO
4510 HEATHERWOOD ROAD	ST CLOUD	MN	56301	COMPUTER SERVICES	$142,721

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	3	CntrctRcvdGreaterThan100KCnt
Total Contributions	$0	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt	ExclusionExclusionAmt
MEMBER	522130	$7,111,412	$7,111,412	$0	$0
NON-MEMBER	522130	$7,139	$0	$7,139	$0

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	$7,118,551	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$376,196	TotalRevenueColumnAmt
Related Or Exempt Func Income	$376,196	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Incm From Invest Bond Proceeds IncmFromInvestBondProceedsGrp

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

Royalties Revenue RoyaltiesRevenueGrp

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

Rental Income Or Loss RentalIncomeOrLossGrp

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

Gain Or Loss GainOrLossGrp

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

Field	Value	IRS element (for citing)
Other Revenue Total	$0	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$7,494,747	TotalRevenueColumnAmt
Related Or Exempt Func Income	$7,487,608	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$7,139	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$446,769	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$392,111	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,532,945	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$86,034	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$263,139	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$136,238	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$144,801	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$30,261	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$172,470	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$41,616	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$161,935	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$218,515	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
Provision for Loan Loss	$223,380
Loan Servicing Expense	$158,272
Office Operations	$952,499
Dues	$35,029

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$72,210	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$5,068,224	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	$7,329,027	BOYAmt
EOY	$11,988,303	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$114,011,387	BOYAmt
EOY	$117,615,469	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$163,347	BOYAmt
EOY	$153,030	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$5,902,761	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$2,357,175	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$3,514,429	BOYAmt
EOY	$3,545,586	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$15,192,000	BOYAmt
EOY	$13,298,000	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$21,218,563	BOYAmt
EOY	$20,844,342	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$2,733,036	BOYAmt
EOY	$2,774,840	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$164,161,789	BOYAmt
EOY	$170,219,570	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$1,818,618	BOYAmt
EOY	$1,750,272	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$6,951,119	BOYAmt
EOY	$6,894,636	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$133,392,057	BOYAmt
EOY	$137,135,293	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$142,161,794	BOYAmt
EOY	$145,780,201	EOYAmt

Field	Value	IRS element (for citing)
Organization Follows SFAS117	Yes (X)	OrganizationFollowsSFAS117Ind

Unrestricted Net Assets UnrestrictedNetAssetsGrp

Field	Value	IRS element (for citing)
BOY	$21,999,995	BOYAmt
EOY	$24,439,369	EOYAmt

Temporarily Rstr Net Assets TemporarilyRstrNetAssetsGrp

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

Permanently Rstr Net Assets PermanentlyRstrNetAssetsGrp

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

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$21,999,995	BOYAmt
EOY	$24,439,369	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$164,161,789	BOYAmt
EOY	$170,219,570	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$2,426,523	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$12,851	NetUnrlzdGainsLossesInvstAmt
Donated Services And Use Fclts	$0	DonatedServicesAndUseFcltsAmt
Investment Expense	$0	InvestmentExpenseAmt
Prior Period Adjustments	$0	PriorPeriodAdjustmentsAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	0	FSAuditedInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$0	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$396,652	OtherCostOrOtherBasisAmt
Book Value	$396,652	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$0	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$3,691,462	OtherCostOrOtherBasisAmt
Depreciation	$1,040,857	DepreciationAmt
Book Value	$2,650,605	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$0	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$17,465	OtherCostOrOtherBasisAmt
Depreciation	$14,424	DepreciationAmt
Book Value	$3,041	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$0	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$1,797,182	OtherCostOrOtherBasisAmt
Depreciation	$1,301,894	DepreciationAmt
Book Value	$495,288	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$0	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$0	OtherCostOrOtherBasisAmt
Depreciation	$0	DepreciationAmt
Book Value	$0	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$3,545,586	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (2 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
NEGOTIABLE CERTIFICATES OF DEPOSIT	$12,023,000	C
REVENUE BOND	$1,275,000	C

Field	Value	IRS element (for citing)
Total Book Value Securities	$13,298,000	TotalBookValueSecuritiesAmt

Invst Program Related Org InvstProgramRelatedOrgGrp (2 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
CERTIFICATES OF DEPOSIT	$11,810,000	C
OTHER INVESTMENTS	$9,034,342	C

Field	Value	IRS element (for citing)
Total Book Value Program Rltd	$20,844,342	TotalBookValueProgramRltdAmt
Federal Income Tax Liability	$0	FederalIncomeTaxLiabilityAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARES ON DEPOSIT	Desc
Amt	$137,135,293	Amt

Field	Value	IRS element (for citing)
Total Liability	$137,135,293	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Schedule D, Part X, Line 2	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION HAS ADOPTED THE INCOME TAX STANDARD FOR UNCERTAIN TAX POSITIONS ON OCTOBER 1, 2009. AS A RESULT OF THIS IMPLEMENTATION THE CREDIT UNION HAS EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2016.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp

Field	Value	IRS element (for citing)
Person	LINDA GIVAN	PersonNm
Title	PRESIDENT/CEO, TREASURER (RETIRED 11/1/16)	TitleTxt
Base Compensation Filing Org	$193,855	BaseCompensationFilingOrgAmt
Compensation Based On Rltd Orgs	$0	CompensationBasedOnRltdOrgsAmt
Bonus Filing Organization	$0	BonusFilingOrganizationAmount
Bonus Related Organizations	$0	BonusRelatedOrganizationsAmt
Other Compensation Filing Org	$23,781	OtherCompensationFilingOrgAmt
Other Compensation Rltd Orgs	$0	OtherCompensationRltdOrgsAmt
Deferred Compensation Flng Org	$30,927	DeferredCompensationFlngOrgAmt
Deferred Comp Rltd Orgs	$0	DeferredCompRltdOrgsAmt
Nontaxable Benefits Filing Org	$18,244	NontaxableBenefitsFilingOrgAmt
Nontaxable Benefits Rltd Orgs	$0	NontaxableBenefitsRltdOrgsAmt
Total Compensation Filing Org	$266,807	TotalCompensationFilingOrgAmt
Total Compensation Rltd Orgs	$0	TotalCompensationRltdOrgsAmt

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Schedule J, Part I, Line 3	THE BOARD OF DIRECTORS APPROVES THE SALARY OF THE PRESIDENT/CEO.
Schedule J, Part I, Line 4	LINDA GIVAN IS A PARTICIPANT IN A 457(b) PLAN.

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (6 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Form 990, Part VI, Section A, Line 6	THE CREDIT UNION IS OWNED BY ITS MEMBERS WHO MUST MAINTAIN A SHARE ACCOUNT OF AT LEAST $5.00.
Form 990, Part VI, Section A, Line 7a	THE GOVERNING BODY IS ELECTED BY THE MEMBERS AT THE CREDIT UNION'S ANNUAL MEETING. AT LEAST 15 MEMBERS MUST BE IN ATTENDANCE AT THIS ANNUAL MEETING.
Form 990, Part VI, Section B, Line 11b	THE GOVERNING BODY DOES NOT REVIEW THE FORM 990. THE CREDIT UNION'S PRESIDENT REVIEWS THE FORM BEFORE IT IS FILED.
Form 990, Part VI, Section B, Line 12c	THE CREDIT UNION ANNUALLY OBTAINS AN ACKNOWLEDGMENT OF THE CONFLICT OF INTEREST POLICIES WITH BOARD MEMBERS, OFFICERS, AND EMPLOYEES AND REVIEWS THESE.
Form 990, Part VI, Section B, Line 15	A SALARY REVIEW COMMITTEE OF THE GOVERNING BODY REVIEWS THE RANGES OF SALARIES FOR THE VARIOUS POSITIONS AND COMPARES THAT TO AN ANNUAL STATISTICAL REPORT. THE GOVERNING BOARD SETS THE SALARY FOR THE PRESIDENT AND ALSO SETS THE SALARY RANGES FOR ALL POSITIONS IN THE CREDIT UNION.
Form 990, Part VI, Section C, Line 19	COPIES OF FORMS 990 AND 990-T, GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST. THE CREDIT UNION KEEPS COPIES OF ITS ANNUAL FINANCIAL STATEMENTS IN THE LOBBY AT ALL BRANCHES FOR THE MEMBERS TO TAKE IF THEY WOULD LIKE.