POINT BREEZE CREDIT UNION: Form 990, tax year 2024

View the entire original 990 at ProPublica ↗

Organization: POINT BREEZE CREDIT UNION (EIN 52-0447180)
Tax period: 2024-01-01 to 2024-12-31
Filed: 2025-11-12
IRS object ID: 202513169349303451
Schema version: 2024v5.2
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 L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2025-11-12T10:20:02-06:00	ReturnTs
Tax Period End	2024-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	541149263	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	YOUNT HYDE & BARBOUR PC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	10451 MILL RUN CIRCLE SUITE 800	AddressLine1Txt
City	OWINGS MILLS	CityNm
State Abbreviation	MD	StateAbbreviationCd
ZIP	21117	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2024-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	520447180	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	POINT BREEZE CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	POIN	BusinessNameControlTxt
Phone	4105847228	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	11104 MCCORMICK ROAD	AddressLine1Txt
City	HUNT VALLEY	CityNm
State Abbreviation	MD	StateAbbreviationCd
ZIP	21031	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	MARISA RIVAS	PersonNm
Person Title	SVP/CFO	PersonTitleTxt
Phone	4105847228	PhoneNum
Signature	2025-11-10	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	Yes (1)	IRSResponsiblePrtyInfoCurrInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	JOSEPH A MUSUMECI JR	PreparerPersonNm
PTIN	P00841270	PTIN
Phone	4104159797	PhoneNum
Preparation	2025-11-10	PreparationDt

Field	Value	IRS element (for citing)
Tax	2024	TaxYr
Build TS	2025-03-06 01:10:19Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	TONIA NIEDZIALKOWSKI	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	11104 MCCORMICK ROAD	AddressLine1Txt
City	HUNT VALLEY	CityNm
State Abbreviation	MD	StateAbbreviationCd
ZIP	21031	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$42,823,299	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.PBCU.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1935	FormationYr
Legal Domicile State	MD	LegalDomicileStateCd
Activity Or Mission	STATE CHARTERED CREDIT UNION	ActivityOrMissionDesc
Voting Members Governing Body	8	VotingMembersGoverningBodyCnt
Voting Members Independent	8	VotingMembersIndependentCnt
Total Employee	152	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$78,969	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$30,500,503	PYProgramServiceRevenueAmt
CY Program Service Revenue	$36,250,780	CYProgramServiceRevenueAmt
PY Investment Income	$3,494,206	PYInvestmentIncomeAmt
CY Investment Income	$6,572,519	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$33,994,709	PYTotalRevenueAmt
CY Total Revenue	$42,823,299	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	$12,799,327	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$13,906,300	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$19,194,572	PYOtherExpensesAmt
CY Other Expenses	$27,162,903	CYOtherExpensesAmt
PY Total Expenses	$31,993,899	PYTotalExpensesAmt
CY Total Expenses	$41,069,203	CYTotalExpensesAmt
PY Revenues Less Expenses	$2,000,810	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$1,754,096	CYRevenuesLessExpensesAmt
Total Assets BOY	$922,504,089	TotalAssetsBOYAmt
Total Assets EOY	$950,783,118	TotalAssetsEOYAmt
Total Liabilities BOY	$20,207,344	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$11,805,514	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$902,296,745	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$938,977,604	NetAssetsOrFundBalancesEOYAmt
Mission	OUR MISSION IS TO PROVIDE QUALITY FINANCIAL SOLUTIONS FOR EVERY MEMBER.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	POINT BREEZE CREDIT UNION PROVIDES LENDING AND DEPOSIT SERVICES TO ITS APPROXIMATELY 65,206 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
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	Yes (1)	ReportOtherAssetsInd
Report Other Liabilities	0	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	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	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 With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
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	23736	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	152	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
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	8	GoverningBodyVotingMembersCnt
Independent Voting Member	8	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	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
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	MARISA RIVAS	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	4435890439	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	11104 MCCORMICK ROAD	AddressLine1Txt
City	BALTIMORE	CityNm
State Abbreviation	MD	StateAbbreviationCd
ZIP	21031	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (22 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
DONALD GUNDLACH
CHAIRMAN	1.18	Yes (X)	$12,578	$0	$2,000
JEAN LEWIS
DIRECTOR	0.40	Yes (X)	$4,337	$0	$2,000
WILLIAM R HELMEY
DIRECTOR	0.55	Yes (X)	$6,167	$0	$2,000
DONALD D BEYNON JR
DIRECTOR	0.79	Yes (X)	$8,145	$0	$200
WILLIAM COCKEY
SUPERVISORY COMMITTEE	0.19	Yes (X)	$3,881	$0	$0
HELEN MARTINEZ
SECRETARY	0.77	Yes (X)	$8,162	$0	$200
CORDELL D BOONE
TREASURER	0.63	Yes (X)	$7,083	$0	$200
NORMA STUMPP
DIRECTOR	0.98	Yes (X)	$10,903	$0	$200
GEORGETTE BENSON
SUPERVISORY COMMITTEE	0.17	Yes (X)	$2,634	$0	$0
ROBERT TWARDZIK
DIRECTOR	0.50	Yes (X)	$5,422	$0	$0
ROBERT WRIGHT
DIRECTOR	0.35	Yes (X)	$4,129	$0	$0
TONIA M NIEDZIALKOWSKI
PRESIDENT	40.00		$529,306	$0	$194,981	Yes (X)
KRISTIN REYNOLDS
SVP - HUMAN RESOURCES	40.00		$191,904	$0	$158,990	Yes (X)
EUGENIE BRIGGS
SVP - MARKETING	40.00		$183,492	$0	$50,086	Yes (X)
MARISA RIVAS
SVP/CFO	40.00		$255,504	$0	$49,794	Yes (X)
PATRICIA BRICE
EVP/CLO	40.00		$289,240	$0	$159,913	Yes (X)
JESSE BELL
SVP - MEMBER SERVICES	40.00		$219,192	$0	$22,734	Yes (X)
KAREN TRIMP
VP - COMPLIANCE	40.00		$159,574	$0	$51,009		Yes (X)
STEWART HOLBROOK
VP - IT	40.00		$163,310	$0	$32,408		Yes (X)
SUSAN WAITE
VP - LENDING	40.00		$142,437	$0	$56,709		Yes (X)
BETH BAVIS
VP - MEMBER BUSINESS BANKI	40.00		$176,398	$0	$47,644		Yes (X)
CYNTHIA HARRELL
VP - OPS SUPPORT	40.00		$142,497	$0	$55,380		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,526,295	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$886,448	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	11	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
THE LONG GROUP
22 GREELEY ST	MERRIMACK	NH	03054	BUSINESS DEVELOPMENT	$1,373,639
FISERV INC
225 FISERV DR	BROOKFIELD	WI	53045	DATA PROCESSING	$770,699
NCR CORP
1300 SEAPORT	REDWOOD CITY	CA	94063	SOFTWARE PROVIDER	$717,736
CORELATION INC
2305 HISTORIC DECATUR RD 300	SAN DIEGO	CA	92106	COMPUTER CONSULTANT	$646,269
SYSTEM SOURCE
338 CLUBHOUSE ROAD	HUNT VALLEY	MD	21031	COMPUTER CONSULTANT	$569,333

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	5	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	522100	$28,839,085	$28,839,085
OTHER SERVICES	525990	$4,031,034	$4,031,034
SHARE ACCOUNT SERVICES	525990	$3,125,256	$3,125,256
CREDIT INSURANCE	524298	$176,436	$176,436
NONMEMBER ATM FEES	525990	$78,969		$78,969

Field	Value	IRS element (for citing)
Total Program Service Revenue	$36,250,780	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$6,572,519	TotalRevenueColumnAmt
Exclusion	$6,572,519	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$42,823,299	TotalRevenueColumnAmt
Related Or Exempt Func Income	$36,171,811	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$78,969	UnrelatedBusinessRevenueAmt
Exclusion	$6,572,519	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$3,412,743	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$7,620,122	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$575,761	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,573,715	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$723,959	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$89,907	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$148,701	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$2,283,797	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$1,449,788	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$2,804,801	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$1,886,294	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$2,163,462	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$24,756	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$131,141	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$8,669,765	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,607,386	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$194,875	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
LENDING EXPENSE	$2,373,614
BANK SERVICE CHARGES	$1,373,176
LOAN LOSS PROVISION	$1,347,635
MISCELLANEOUS	$613,805

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$41,069,203	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$11,357,858	BOYAmt
EOY	$12,051,416	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$36,073,579	BOYAmt
EOY	$65,383,895	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$8,040,520	BOYAmt
EOY	$8,630,963	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$590,258,872	BOYAmt
EOY	$639,393,363	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$43,838,722	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$14,068,480	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$28,956,515	BOYAmt
EOY	$29,770,242	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$193,888,312	BOYAmt
EOY	$136,491,919	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$53,928,433	BOYAmt
EOY	$59,061,320	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$922,504,089	BOYAmt
EOY	$950,783,118	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$20,207,344	BOYAmt
EOY	$11,805,514	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$20,207,344	BOYAmt
EOY	$11,805,514	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$783,487,232	BOYAmt
EOY	$813,971,569	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	$118,809,513	BOYAmt
EOY	$125,006,035	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$902,296,745	BOYAmt
EOY	$938,977,604	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$922,504,089	BOYAmt
EOY	$950,783,118	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$1,754,096	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$4,442,426	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$30,484,337	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	$1,819,725	OtherCostOrOtherBasisAmt
Book Value	$1,819,725	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$28,174,300	OtherCostOrOtherBasisAmt
Depreciation	$5,797,663	DepreciationAmt
Book Value	$22,376,637	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$13,844,697	OtherCostOrOtherBasisAmt
Depreciation	$8,270,817	DepreciationAmt
Book Value	$5,573,880	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$29,770,242	TotalBookValueLandBuildingsAmt

Other Assets Org OtherAssetsOrgGrp (5 entries)

DescDesc	Book ValueBookValueAmt
NCUSIF DEPOSIT	$7,341,646
ACCRUED INTEREST RECEIVABLE	$2,816,617
OTHER ASSETS	$21,899,032
CU OWNED LIFE INSURANCE	$21,588,624
RIGHT OF USE ASSETS	$5,415,401

Field	Value	IRS element (for citing)
Total Book Value Other Assets	$59,061,320	TotalBookValueOtherAssetsAmt
Total Rev Etc Audited Fincl Stmt	$42,823,299	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$42,823,299	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$42,823,299	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$41,069,203	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$41,069,203	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$41,069,203	TotalExpensesPerForm990Amt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Compensation Survey	Yes (X)	CompensationSurveyInd
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 (11 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
TONIA M NIEDZIALKOWSKI
PRESIDENT	$529,306	$0	$0	$0	$0	$0	$146,000	$0	$48,981	$0	$724,287	$0	$0	$0
PATRICIA BRICE
EVP/CLO	$289,240	$0	$0	$0	$0	$0	$146,000	$0	$13,913	$0	$449,153	$0	$0	$0
KRISTIN REYNOLDS
SVP - HUMAN RESOURCES	$191,904	$0	$0	$0	$0	$0	$126,362	$0	$32,628	$0	$350,894	$0	$0	$0
MARISA RIVAS
SVP/CFO	$255,504	$0	$0	$0	$0	$0	$22,342	$0	$27,452	$0	$305,298	$0	$0	$0
JESSE BELL
SVP - MEMBER SERVICES	$219,192	$0	$0	$0	$0	$0	$18,923	$0	$3,811	$0	$241,926	$0	$0	$0
EUGENIE BRIGGS
SVP - MARKETING	$183,492	$0	$0	$0	$0	$0	$27,483	$0	$22,603	$0	$233,578	$0	$0	$0
BETH BAVIS
VP - MEMBER BUSINESS BANKI	$176,398	$0	$0	$0	$0	$0	$16,623	$0	$31,021	$0	$224,042	$0	$0	$0
KAREN TRIMP
VP - COMPLIANCE	$159,574	$0	$0	$0	$0	$0	$29,267	$0	$21,742	$0	$210,583	$0	$0	$0
SUSAN WAITE
VP - LENDING	$142,437	$0	$0	$0	$0	$0	$25,952	$0	$30,757	$0	$199,146	$0	$0	$0
CYNTHIA HARRELL
VP - OPS SUPPORT	$142,497	$0	$0	$0	$0	$0	$24,628	$0	$30,752	$0	$197,877	$0	$0	$0
STEWART HOLBROOK
VP - IT	$163,310	$0	$0	$0	$0	$0	$6,700	$0	$25,708	$0	$195,718	$0	$0	$0

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (13 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
EUGENIE BRIGGS
SVP - MARKETING	MORTGAGE, AUTO, CREDIT CARDS	Yes (X)	$292,985	$218,068	0	Yes (1)	Yes (1)
KRISTIN REYNOLDS
SVP - HUMAN RESOURCES	MORTGAGE, AUTO, CREDIT CARD	Yes (X)	$397,621	$815,938	0	Yes (1)	Yes (1)
PATRICIA BRICE
EVP/CLO/RETAIL	MORTGAGE, HELOC, CREDIT CARDS, PERSONAL LOC	Yes (X)	$362,896	$284,263	0	Yes (1)	Yes (1)
TONIA M NIEDZIALKOWSKI
CEO/PRESIDENT	MORTGAGE, AUTO, CREDIT CARD	Yes (X)	$462,689	$17,394	0	Yes (1)	Yes (1)
SUSAN WAITE
VP - LENDING	HELOC, AUTOS, CREDIT CARDS	Yes (X)	$226,900	$115,816	0	Yes (1)	Yes (1)
VICTORIA AMEND
VP - COLLECTIONS	MORTGAGE, CREDIT CARD	Yes (X)	$160,403	$104,394	0	Yes (1)	Yes (1)
CYNTHIA HARRELL
VP - OPERATION SUPPORT	MORTGAGE, AUTO, CREDIT CARD, SHARE	Yes (X)	$219,930	$147,607	0	Yes (1)	Yes (1)
BETH BAVIS
VP - MEMBER BUSINESS BANKING	AUTO	Yes (X)	$10,000	$182,201	0	Yes (1)	Yes (1)
TONIA M NIEDZIALKOWSKI
CEO/PRESIDENT	SPLIT-DOLLAR LOAN	Yes (X)	$6,100,000	$6,531,841	0	Yes (1)	Yes (1)
GEORGETTE BENSON
SUPERVISORY COMMITTEE	MORTGAGE	Yes (X)	$95,000	$96,983	0	Yes (1)	Yes (1)
JEAN LEWIS
DIRECTOR	SHARE LOC	Yes (X)	$14,000	$56,088	0	0	0
CORDELL BOONE
TREASURER	HELOC	Yes (X)	$43,491	$42,588	0	0	0
ROBERT WRITE
DIRECTOR	SHARE LOC	Yes (X)	$20,000	$17,782	0	0	0

Field	Value	IRS element (for citing)
Total Balance Due	$8,630,963	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE CREDIT UNION HAS APPROXIMATELY 65,206 MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7A	CREDIT UNION MEMBERS ELECT THE BOARD OF DIRECTORS.
FORM 990, PART VI, SECTION B, LINE 11B	THE CEO AND CFO PERFORM FINAL REVIEWS OF FORM 990.
FORM 990, PART VI, SECTION B, LINE 12C	THE CREDIT UNION MONITORS AND ENFORCES COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY THROUGH REQUIRED DISCLOSURE IF AND WHEN A CONFLICT ARISES.
FORM 990, PART VI, SECTION B, LINE 15	THE COMPENSATION COMMITTEE REVIEWS A NATIONAL SALARY SURVEY, EVALUATES THE CEO'S PERFORMANCE, AND MAKES A PROPOSAL TO THE BOARD OF DIRECTORS FOR THE CEO'S SALARY. THE CEO REVIEWS A NATIONAL SALARY SURVEY, REVIEWS PERFORMANCE APPRAISALS, AND MAKES A PROPOSAL TO THE BOARD OF DIRECTORS FOR OFFICERS' SALARIES. A THIRD-PARTY CONSULTANT PROVIDES SALARY RECOMMENDATIONS. THE BOARD OF DIRECTORS DISCUSSES AND APPROVES THE CEO'S AND OFFICERS' SALARIES.
FORM 990, PART VI, SECTION C, LINE 19	THE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY AVAILABLE TO THE PUBLIC UPON REQUEST. QUARTERLY FINANCIAL STATEMENTS ARE AVAILABLE THROUGH THE NCUA WEBSITE. ANNUAL AUDITED FINANCIAL STATEMENTS ARE PROVIDED TO MEMBERS AT THE ANNUAL MEETING.
FORM 990, PART XI, LINE 9:	NET CHANGE IN MEMBERS' SHARE BALANCES 30,484,337.
FORM 990, PART XII, LINE 2C:	THE SUPERVISORY COMMITTEE IS RESPONSIBLE FOR OVERSIGHT OF THE AUDIT OF THE FINANCIAL STATEMENTS AND SELECTION OF THE INDEPENDENT ACCOUNTANTS.