CO-OP CREDIT UNION OF MONTEVIDEO: Form 990, tax year 2015

View the entire original 990 at ProPublica ↗

Organization: CO-OP CREDIT UNION OF MONTEVIDEO (EIN 41-0693272)
Tax period: 2015-01-01 to 2015-12-31
Filed: 2016-08-19
IRS object ID: 201612329349300431
Schema version: 2015v2.1
Source: Download XML · Original 990 at ProPublica

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

Return header
Form 990
Schedule D
Schedule J
Schedule O
Reasonable Cause Explanation

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2016-08-19T12:42:04-07:00	ReturnTs
Tax Period End	2015-12-31	TaxPeriodEndDt
Return Type	990	ReturnTypeCd
Tax Period Begin	2015-01-01	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	Chief Financial Officer	PersonTitleTxt
Phone	3202692117	PhoneNum
Signature	2016-08-19	SignatureDt

Field	Value	IRS element (for citing)
Tax	2015	TaxYr
Build TS	2016-12-15 16:53:06Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	LINDA GIVAN	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	$6,597,413	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	57	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$6,868	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$4,207	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$6,047,389	PYProgramServiceRevenueAmt
CY Program Service Revenue	$6,290,912	CYProgramServiceRevenueAmt
PY Investment Income	$302,865	PYInvestmentIncomeAmt
CY Investment Income	$306,501	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$6,350,254	PYTotalRevenueAmt
CY Total Revenue	$6,597,413	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$393,724	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$383,573	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$2,187,698	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$2,341,307	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$1,824,616	PYOtherExpensesAmt
CY Other Expenses	$1,993,364	CYOtherExpensesAmt
PY Total Expenses	$4,406,038	PYTotalExpensesAmt
CY Total Expenses	$4,718,244	CYTotalExpensesAmt
PY Revenues Less Expenses	$1,944,216	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$1,879,169	CYRevenuesLessExpensesAmt
Total Assets BOY	$147,234,505	TotalAssetsBOYAmt
Total Assets EOY	$164,161,789	TotalAssetsEOYAmt
Total Liabilities BOY	$127,114,294	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$142,161,794	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$20,120,211	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$21,999,995	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	5210	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Employee	57	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	LINDA GIVAN	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 (11 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)	$618	$0	$0
KYLE KRANZ
CHAIRPERSON	1	0	Yes (X)	Yes (X)	$736	$0	$0
PATRICK CARRUTH
BOARD MEMBER	1	0	Yes (X)		$0	$0	$0
KORWIN JOHNSON
BOARD MEMBER	1	0	Yes (X)		$0	$0	$0
MICHAEL MACE
SECRETARY	1	0	Yes (X)	Yes (X)	$602	$0	$0
PETER SCHMITZ
BOARD MEMBER	1	0	Yes (X)		$0	$0	$0
ELOISE VALENTINO
BOARD MEMBER	1	0	Yes (X)		$706	$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
LINDA GIVAN
PRESIDENT/CEO AND TREASURER	40	0		Yes (X)	$204,088	$0	$35,279	Yes (X)	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$206,750	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$35,279	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 (3 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
PREFERRED ONE
6105 GOLDEN HILLS DR	GOLDEN VALLEY	MN	55416	HEALTH INSURANCE FOR EMPLOYEES	$286,677
FISERV
255 FISERV DRIVE	BROOKFIELD	WI	53008	COMPUTER SOFTWARE/SUPPLIES	$128,983
MARCO
4510 HEATHERWOOD ROAD	ST CLOUD	MN	56301	COMPUTER SERVICES	$139,471

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 INCOME	522130	$6,284,044	$6,284,044	$0	$0
NON-MEMBER INCOME	522130	$6,868	$0	$6,868	$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	$6,290,912	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$306,501	TotalRevenueColumnAmt
Related Or Exempt Func Income	$306,501	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	$6,597,413	TotalRevenueColumnAmt
Related Or Exempt Func Income	$6,590,545	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$6,868	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$383,573	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$246,725	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,626,179	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$108,466	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$218,435	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$141,502	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$110,873	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$17,669	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$166,856	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$35,870	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$10,613	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$216,303	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
PROVISION FOR LOAN LOSSES	$296,666
LOAN SERVICING	$170,602
OFFICE OPERATIONS	$878,755
DUES	$36,681

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$52,476	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$4,718,244	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	$8,491,763	BOYAmt
EOY	$7,329,027	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$103,537,027	BOYAmt
EOY	$114,011,387	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

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

Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp

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

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

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

Inventories For Sale Or Use InventoriesForSaleOrUseGrp

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

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$184,502	BOYAmt
EOY	$163,347	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$5,688,750	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$2,174,321	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$3,415,766	BOYAmt
EOY	$3,514,429	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$13,089,000	BOYAmt
EOY	$15,192,000	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$15,913,345	BOYAmt
EOY	$21,218,563	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$2,603,102	BOYAmt
EOY	$2,733,036	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$147,234,505	BOYAmt
EOY	$164,161,789	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$1,468,187	BOYAmt
EOY	$1,818,618	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
EOY	$6,951,119	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$125,646,107	BOYAmt
EOY	$133,392,057	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$127,114,294	BOYAmt
EOY	$142,161,794	EOYAmt

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

Unrestricted Net Assets UnrestrictedNetAssetsGrp

Field	Value	IRS element (for citing)
BOY	$20,120,211	BOYAmt
EOY	$21,999,995	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	$20,120,211	BOYAmt
EOY	$21,999,995	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$147,234,505	BOYAmt
EOY	$164,161,789	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$1,879,169	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$615	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	$3,639,482	OtherCostOrOtherBasisAmt
Depreciation	$938,246	DepreciationAmt
Book Value	$2,701,236	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	$14,056	DepreciationAmt
Book Value	$3,409	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$0	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$1,635,151	OtherCostOrOtherBasisAmt
Depreciation	$1,222,019	DepreciationAmt
Book Value	$413,132	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	$3,514,429	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (2 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
NEGOTIABLE CERTIFICATES OF DEPOSIT	$13,842,000	C
REVENUE BOND	$1,350,000	C

Field	Value	IRS element (for citing)
Total Book Value Securities	$15,192,000	TotalBookValueSecuritiesAmt

Invst Program Related Org InvstProgramRelatedOrgGrp (2 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
CERTIFICATES OF DEPOSIT	$17,117,000	C
OTHER INVESTMENTS	$4,101,563	C

Field	Value	IRS element (for citing)
Total Book Value Program Rltd	$21,218,563	TotalBookValueProgramRltdAmt
Federal Income Tax Liability	$0	FederalIncomeTaxLiabilityAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARES ON DEPOSIT	Desc
Amt	$133,392,057	Amt

Field	Value	IRS element (for citing)
Total Liability	$133,392,057	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 THE IMPLEMENTATION THE CREDIT UNION HAS EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2015.	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 AND TREASURER	TitleTxt
Base Compensation Filing Org	$180,701	BaseCompensationFilingOrgAmt
Compensation Based On Rltd Orgs	$0	CompensationBasedOnRltdOrgsAmt
Bonus Filing Organization	$2,713	BonusFilingOrganizationAmount
Bonus Related Organizations	$0	BonusRelatedOrganizationsAmt
Other Compensation Filing Org	$27,161	OtherCompensationFilingOrgAmt
Other Compensation Rltd Orgs	$0	OtherCompensationRltdOrgsAmt
Deferred Compensation Flng Org	$32,614	DeferredCompensationFlngOrgAmt
Deferred Comp Rltd Orgs	$0	DeferredCompRltdOrgsAmt
Nontaxable Benefits Filing Org	$16,729	NontaxableBenefitsFilingOrgAmt
Nontaxable Benefits Rltd Orgs	$0	NontaxableBenefitsRltdOrgsAmt
Total Compensation Filing Org	$259,918	TotalCompensationFilingOrgAmt
Total Compensation Rltd Orgs	$0	TotalCompensationRltdOrgsAmt
Comp Report Prior990 Filing Org	$0	CompReportPrior990FilingOrgAmt
Comp Report Prior990 Rltd Orgs	$0	CompReportPrior990RltdOrgsAmt

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 AND CFO 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.

Reasonable Cause Explanation ReasonableCauseExplanation

Field	Value	IRS element (for citing)
Explanation	OUR ORGANIZATION IS GOING THROUGH A MANAGEMENT CHANGE RIGHT NOW AND THE FILING DEADLINE GOT MISSED.	ExplanationTxt