CREDIT UNIONS IN THE STATE OF WASHINGTON: Form 990, tax year 2015

View the entire original 990 at ProPublica ↗

Organization: CREDIT UNIONS IN THE STATE OF WASHINGTON (EIN 91-0639210)
Tax period: 2015-01-01 to 2015-12-31
Filed: 2016-05-05
IRS object ID: 201601269349301770
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 I
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2016-05-05T16:33:43-05:00	ReturnTs
Tax Period End	2015-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	410746749	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

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

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	20 E THOMAS RD STE 2300	AddressLine1Txt
City	PHOENIX	CityNm
State Abbreviation	AZ	StateAbbreviationCd
ZIP	85012	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2015-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	910639210	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	O BEE CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	CRED	BusinessNameControlTxt
Phone	3609430740	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3900 CLEVELAND AVE SE	AddressLine1Txt
City	TUMWATER	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	985014023	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	DANIEL HILDRETH	PersonNm
Person Title	VP OF FINANCE	PersonTitleTxt
Phone	3609430740	PhoneNum
Signature	2016-04-20	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	JANIS ISAACSON	PreparerPersonNm
PTIN	P00089104	PTIN
Phone	6022662248	PhoneNum

Field	Value	IRS element (for citing)
Tax	2015	TaxYr
Build TS	2016-09-27 15:27:22Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	JAMES COLLINS	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3900 CLEVELAND AVE SE	AddressLine1Txt
City	TUMWATER	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	985014023	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$13,528,324	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.OBEE.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1955	FormationYr
Legal Domicile State	WA	LegalDomicileStateCd
Activity Or Mission	CREDIT UNION IN THE STATE OF WASHINGTON. PROVIDE FINANCIAL PRODUCTS AND SERVICES TO MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	112	TotalEmployeeCnt
Total Volunteers	14	TotalVolunteersCnt
Total Gross UBI	$49,074	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$52,685	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$11,858,455	PYProgramServiceRevenueAmt
CY Program Service Revenue	$13,289,605	CYProgramServiceRevenueAmt
PY Investment Income	-$106,777	PYInvestmentIncomeAmt
CY Investment Income	$238,719	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$11,751,678	PYTotalRevenueAmt
CY Total Revenue	$13,528,324	CYTotalRevenueAmt
PY Grants And Similar Paid	$18,000	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$18,000	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$3,878,224	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$4,541,654	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$6,802,785	PYOtherExpensesAmt
CY Other Expenses	$7,458,894	CYOtherExpensesAmt
PY Total Expenses	$10,699,009	PYTotalExpensesAmt
CY Total Expenses	$12,018,548	CYTotalExpensesAmt
PY Revenues Less Expenses	$1,052,669	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$1,509,776	CYRevenuesLessExpensesAmt
Total Assets BOY	$195,729,552	TotalAssetsBOYAmt
Total Assets EOY	$214,039,941	TotalAssetsEOYAmt
Total Liabilities BOY	$179,587,807	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$196,388,422	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$16,141,745	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$17,651,519	NetAssetsOrFundBalancesEOYAmt
Mission	CREDIT UNION IN THE STATE OF WASHINGTON. PROVIDE FINANCIAL PRODUCTS AND SERVICES TO MEMBER.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	THE CREDIT UNION PROVIDES DRAFT AND SHARE ACCOUNTS, CONSUMER LOANS, SHARE CERTIFICATES AND OTHER EXEMPT FUNCTION ACTIVITIES TO ITS MEMBERS.	Desc
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	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	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	Yes (1)	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	Yes (1)	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	7009	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	112	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	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	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	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	WA	StatesWhereCopyOfReturnIsFldCd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	DANIEL HILDRETH	PersonNm
Phone	3605707924	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3900 CLEVELAND AVE SE	AddressLine1Txt
City	TUMWATER	CityNm
State Abbreviation	WA	StateAbbreviationCd
ZIP	98501	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (16 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
MIRIAM BAUSCH
BOARD MEMBER	4.00	Yes (X)	$0	$0	$0
CAROLYN CARUSO
BOARD MEMBER	4.00	Yes (X)	$0	$0	$0
JERRY MURPHY
BOARD MEMBER	4.00	Yes (X)	$0	$0	$0
STEVE BLANKENSHIP
BOARD MEMBER - CHAIR	4.00	Yes (X)	$0	$0	$0
PHILLIP WAYT
BOARD MEMBER	4.00	Yes (X)	$0	$0	$0
CLIFFORD CLARK
BOARD MEMBER	4.00	Yes (X)	$0	$0	$0
WILFORD SAUNDERS
BOARD MEMBER	4.00	Yes (X)	$0	$0	$0
PRABAKARAN MANOHARAN
BOARD MEMBER	4.00	Yes (X)	$0	$0	$0
JOSEPH MASON
BOARD MEMBER	4.00	Yes (X)	$0	$0	$0
JENNIFER ROBERTS
COO	40.00		$98,532	$0	$24,718	Yes (X)
JAMES COLLINS
CEO	40.00		$194,523	$0	$49,175	Yes (X)
LEE WOJNAR
VP MARKETING	40.00		$100,813	$0	$33,942	Yes (X)
DAVID ECHTLE
CLO	40.00		$117,262	$0	$31,840	Yes (X)
MELANIE RANSOM
VP OF HR	40.00		$88,691	$0	$22,071	Yes (X)
DANIEL HILDRETH
VP FINANCE	40.00		$84,748	$0	$14,387	Yes (X)
DAVID LITTLETON
FINANCIAL ADVISOR	40.00		$146,751	$0	$26,277		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$831,320	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$202,410	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	4	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (4 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
FIS
601 RIVERSIDE AVENUE	JACKSONVILLE	FL	32204	CARD PROCESSOR	$750,752
GROUP HEALTH OPTIONS INC
PO BOX 34988	SEATTLE	WA	98124	MEDICAL INSURANCE PROVIDER	$355,026
JACK HENRY AND ASSOCIATES
663 W HIGHWAY 60	MONETT	MO	65708	DATA PROCESSING	$306,320
CENTURYLINK
100 CENTURY LINK DR	MONROE	LA	71203	PHONE AND DATA SERVICES	$100,199

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	4	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
LOAN INTEREST AND FEES	522100	$13,240,531	$13,240,531
UNRELATED BUSINESS INCOME	522100	$49,074		$49,074

Field	Value	IRS element (for citing)
Total Program Service Revenue	$13,289,605	TotalProgramServiceRevenueAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$238,719	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

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

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	$238,719	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$238,719	TotalRevenueColumnAmt
Related Or Exempt Func Income	$238,719	RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$13,528,324	TotalRevenueColumnAmt
Related Or Exempt Func Income	$13,479,250	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$49,074	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$18,000	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,033,729	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,937,807	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$291,006	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$962,360	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$316,752	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$11,708	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$41,496	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$288,130	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$339,316	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$696,389	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$10,371	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$774,824	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$584,577	TotalAmt

Other Expenses OtherExpensesGrp (2 entries)

DescDesc	TotalTotalAmt
OPERATING EXPENSES	$3,117,099
PROVISION FOR LOAN LOSS	$1,594,984

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$12,018,548	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$3,927,737	BOYAmt
EOY	$5,816,385	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$7,706,650	BOYAmt
EOY	$22,949,367	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$174,774,050	BOYAmt
EOY	$175,862,245	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$659,174	BOYAmt
EOY	$709,957	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$9,819,727	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$4,452,265	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$5,630,816	BOYAmt
EOY	$5,367,462	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$703,586	BOYAmt
EOY	$854,964	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$2,327,539	BOYAmt
EOY	$2,479,561	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$195,729,552	BOYAmt
EOY	$214,039,941	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$1,403,255	BOYAmt
EOY	$2,131,442	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$9,226,686	BOYAmt
EOY	$7,315,972	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$168,957,866	BOYAmt
EOY	$186,941,008	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$179,587,807	BOYAmt
EOY	$196,388,422	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	$16,141,745	BOYAmt
EOY	$17,651,519	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$16,141,745	BOYAmt
EOY	$17,651,519	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$195,729,552	BOYAmt
EOY	$214,039,941	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$1,509,776	ReconcilationRevenueExpnssAmt
Other Changes In Net Assets	-$2	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	$1,058,125	OtherCostOrOtherBasisAmt
Book Value	$1,058,125	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$5,067,349	OtherCostOrOtherBasisAmt
Depreciation	$1,998,293	DepreciationAmt
Book Value	$3,069,056	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,694,253	OtherCostOrOtherBasisAmt
Depreciation	$2,453,972	DepreciationAmt
Book Value	$1,240,281	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$5,367,462	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARE AND DEPOSIT ACCOUNTS	Desc
Amt	$186,941,008	Amt

Field	Value	IRS element (for citing)
Total Liability	$186,941,008	TotalLiabilityAmt

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (1)	GrantRecordsMaintainedInd

Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp

Field	Value	IRS element (for citing)
Grant Type	COLLEGE SCHOLARSHIP	GrantTypeTxt
Recipient	6	RecipientCnt
Cash Grant	$18,000	CashGrantAmt
Valuation Method Used	CASH	ValuationMethodUsedDesc
Non Cash Assistance	N/A	NonCashAssistanceDesc

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2:	FormAndLineReferenceDesc
Explanation	THE ORGANIZATION PAYS SCHOLARSHIP DOLLARS DIRECTLY TO THE SCHOOL.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Compensation Survey	Yes (X)	CompensationSurveyInd
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 (2 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
JAMES COLLINS
CEO	$174,306	$0	$20,217	$0	$0	$0	$40,176	$0	$8,999	$0	$243,698	$0	$0	$0
DAVID LITTLETON
FINANCIAL ADVISOR	$66,330	$0	$80,421	$0	$0	$0	$17,278	$0	$8,999	$0	$173,028	$0	$0	$0

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (5 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
LEE WOJNAR
VP OF MARKETING	REAL ESTATE, NEW VEHICLE, HELOC, CREDIT CARD	Yes (X)	$358,046	$198,974	0	Yes (1)	Yes (1)
MELANIE RANSOM
VP OF HR	CREDIT CARD, HELOC	Yes (X)	$61,193	$39,042	0	Yes (1)	Yes (1)
JAMES COLLINS
CEO	NEW VEHICLE, CREDIT CARD, HELOC	Yes (X)	$384,640	$249,563	0	Yes (1)	Yes (1)
DAVID ECHTLE
CHIEF LENDING OFFICER	CREDIT CARD, HELOC	Yes (X)	$243,250	$219,820	0	Yes (1)	Yes (1)
HILDRETH DANIEL
VP OF FINANCE	CREDIT CARD	Yes (X)	$10,000	$2,558	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$709,957	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	AN INDIVIDUAL IS CONSIDERED A MEMBER IF THEY HOLD A SHARE WITH THE CREDIT UNION. THE CREDIT UNION HAD 23,100 MEMBERS AS OF 12/31/2015.
FORM 990, PART VI, SECTION A, LINE 7A	ALL MEMBERS HAVE A VOTE IN ELECTING THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE.
FORM 990, PART VI, SECTION B, LINE 11	AT A BOARD MEETING, THE RETURN IS SUBMITTED TO THE BOARD OF DIRECTORS FOR THEIR REVIEW.
FORM 990, PART VI, SECTION B, LINE 12C	ALL NEW OFFICERS, DIRECTORS AND KEY EMPLOYEES MUST ACKNOWLEDGE THE CONFLICT OF INTEREST POLICY IN WRITING. IF THERE ARE ANY CHANGES TO THE PERSON'S EMPLOYMENT OR EXTRA-CURRICULAR ACTIVITIES, THEY ARE REQUIRED TO REPORT THAT TO HUMAN RESOURCES.
FORM 990, PART VI, SECTION B, LINE 15	CEO COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS WITH THE ASSISTANCE OF AN OUTSIDE CONSULTANT AND INDUSTRY SALARY DATA. OTHER OFFICERS OR KEY EMPLOYEES SALARIES ARE DETERMINED BY CEO AND VP OF HR USING INDUSTRY SALARY DATA.
FORM 990, PART VI, SECTION C, LINE 19	UPON REQUEST. QUARTERLY FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC VIA THE 5300 CALL REPORT.
FORM 990, PART XI, LINE 9:	ROUNDING ADJUSTMENT -2.
FORM 990, PART XII, QUESTION 2B:	THE ORGANIZATION'S FINANCIAL STATEMENTS WERE AUDITED BY AN INDEPENDENT ACCOUNTANT FOR THE FISCAL YEAR ENDED MARCH 31, 2014. THE ORGANIZATION DID NOT OBTAIN AUDITED FINANCIAL STATEMENTS FOR THE TAX YEAR.
FORM 990, PART XII, LINE 2C:	THE AUDIT COMMITTEE OVERSEES THE AUDITED FINANCIAL STATEMENTS. THERE HAS BEEN NO CHANGE IN EITHER THE OVERSIGHT PROCESS OR THE SELECTION PROCESS DURING THE TAX YEAR.