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      <PhoneNum>5124741562</PhoneNum>
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        <State>TX</State>
        <ZIPCode>78703</ZIPCode>
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      <PersonTitleTxt>Executive VP</PersonTitleTxt>
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      <SignatureDt>2014-11-10</SignatureDt>
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        <TotalAmt>58886</TotalAmt>
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      <PaymentsToAffiliatesGrp>
        <TotalAmt>0</TotalAmt>
      </PaymentsToAffiliatesGrp>
      <DepreciationDepletionGrp>
        <TotalAmt>9155</TotalAmt>
      </DepreciationDepletionGrp>
      <InsuranceGrp>
        <TotalAmt>41987</TotalAmt>
      </InsuranceGrp>
      <OtherExpensesGrp>
        <Desc>data processing</Desc>
        <TotalAmt>179636</TotalAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>card processing fees</Desc>
        <TotalAmt>25804</TotalAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>loan servicing</Desc>
        <TotalAmt>9266</TotalAmt>
      </OtherExpensesGrp>
      <AllOtherExpensesGrp>
        <TotalAmt>3491</TotalAmt>
      </AllOtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>860302</TotalAmt>
        <ProgramServicesAmt>0</ProgramServicesAmt>
        <ManagementAndGeneralAmt>0</ManagementAndGeneralAmt>
        <FundraisingAmt>0</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>932725</BOYAmt>
        <EOYAmt>348218</EOYAmt>
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      <SavingsAndTempCashInvstGrp>
        <BOYAmt>0</BOYAmt>
        <EOYAmt>0</EOYAmt>
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      <PledgesAndGrantsReceivableGrp>
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        <EOYAmt>0</EOYAmt>
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      <AccountsReceivableGrp>
        <BOYAmt>1326</BOYAmt>
        <EOYAmt>2774</EOYAmt>
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      <ReceivablesFromOfficersEtcGrp>
        <BOYAmt>125513</BOYAmt>
        <EOYAmt>109264</EOYAmt>
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      <RcvblFromDisqualifiedPrsnGrp>
        <BOYAmt>0</BOYAmt>
        <EOYAmt>0</EOYAmt>
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      <OthNotesLoansReceivableNetGrp>
        <BOYAmt>17628027</BOYAmt>
        <EOYAmt>17227001</EOYAmt>
      </OthNotesLoansReceivableNetGrp>
      <InventoriesForSaleOrUseGrp>
        <BOYAmt>0</BOYAmt>
        <EOYAmt>0</EOYAmt>
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      <PrepaidExpensesDefrdChargesGrp>
        <BOYAmt>0</BOYAmt>
        <EOYAmt>0</EOYAmt>
      </PrepaidExpensesDefrdChargesGrp>
      <LandBldgEquipBasisNetGrp>
        <BOYAmt>9155</BOYAmt>
      </LandBldgEquipBasisNetGrp>
      <InvestmentsPubTradedSecGrp>
        <BOYAmt>0</BOYAmt>
        <EOYAmt>0</EOYAmt>
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      <InvestmentsOtherSecuritiesGrp>
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        <EOYAmt>0</EOYAmt>
      </InvestmentsOtherSecuritiesGrp>
      <InvestmentsProgramRelatedGrp>
        <BOYAmt>3720000</BOYAmt>
        <EOYAmt>5456000</EOYAmt>
      </InvestmentsProgramRelatedGrp>
      <OtherAssetsTotalGrp>
        <BOYAmt>223631</BOYAmt>
        <EOYAmt>162144</EOYAmt>
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      <TotalAssetsGrp>
        <BOYAmt>22640377</BOYAmt>
        <EOYAmt>23305401</EOYAmt>
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      <AccountsPayableAccrExpnssGrp>
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        <EOYAmt>49798</EOYAmt>
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      <GrantsPayableGrp>
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        <EOYAmt>0</EOYAmt>
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      <DeferredRevenueGrp>
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        <EOYAmt>0</EOYAmt>
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      <TaxExemptBondLiabilitiesGrp>
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        <EOYAmt>0</EOYAmt>
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      <EscrowAccountLiabilityGrp>
        <BOYAmt>0</BOYAmt>
        <EOYAmt>0</EOYAmt>
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      <LoansFromOfficersDirectorsGrp>
        <BOYAmt>0</BOYAmt>
        <EOYAmt>0</EOYAmt>
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      <MortgNotesPyblScrdInvstPropGrp>
        <BOYAmt>0</BOYAmt>
        <EOYAmt>0</EOYAmt>
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      <UnsecuredNotesLoansPayableGrp>
        <BOYAmt>0</BOYAmt>
        <EOYAmt>0</EOYAmt>
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      <TotalLiabilitiesGrp>
        <BOYAmt>32630</BOYAmt>
        <EOYAmt>49798</EOYAmt>
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      <OrgDoesNotFollowSFAS117Ind>X</OrgDoesNotFollowSFAS117Ind>
      <CapStkTrPrinCurrentFundsGrp>
        <BOYAmt>19578750</BOYAmt>
        <EOYAmt>20191450</EOYAmt>
      </CapStkTrPrinCurrentFundsGrp>
      <PdInCapSrplsLandBldgEqpFundGrp>
        <BOYAmt>0</BOYAmt>
        <EOYAmt>0</EOYAmt>
      </PdInCapSrplsLandBldgEqpFundGrp>
      <RtnEarnEndowmentIncmOthFndsGrp>
        <BOYAmt>3028997</BOYAmt>
        <EOYAmt>3064153</EOYAmt>
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      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>22607747</BOYAmt>
        <EOYAmt>23255603</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>22640377</BOYAmt>
        <EOYAmt>23305401</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <InfoInScheduleOPartXIInd>X</InfoInScheduleOPartXIInd>
      <ReconcilationRevenueExpnssAmt>67174</ReconcilationRevenueExpnssAmt>
      <NetUnrlzdGainsLossesInvstAmt>0</NetUnrlzdGainsLossesInvstAmt>
      <DonatedServicesAndUseFcltsAmt>0</DonatedServicesAndUseFcltsAmt>
      <InvestmentExpenseAmt>0</InvestmentExpenseAmt>
      <PriorPeriodAdjustmentsAmt>0</PriorPeriodAdjustmentsAmt>
      <OtherChangesInNetAssetsAmt>580682</OtherChangesInNetAssetsAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>1</AccountantCompileOrReviewInd>
      <AcctCompileOrReviewBasisGrp>
        <SeparateBasisFinclStmtInd>X</SeparateBasisFinclStmtInd>
      </AcctCompileOrReviewBasisGrp>
      <FSAuditedInd>0</FSAuditedInd>
      <AuditCommitteeInd>1</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>0</FederalGrantAuditRequiredInd>
    </IRS990>
    <IRS990ScheduleD documentId="R000002" softwareId="13000241" softwareVersion="v1.00">
      <InvstProgramRelatedOrgGrp>
        <Desc>Federally Insured Time Certificates</Desc>
        <BookValueAmt>5456000</BookValueAmt>
        <MethodValuationCd>C</MethodValuationCd>
      </InvstProgramRelatedOrgGrp>
      <TotalBookValueProgramRltdAmt>5456000</TotalBookValueProgramRltdAmt>
    </IRS990ScheduleD>
    <IRS990ScheduleL documentId="R000003" softwareId="13000241" softwareVersion="v1.00">
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Fred Lamoreaux</PersonNm>
        <RelationshipWithOrgTxt>Chairman</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Mastercard</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>15000</OriginalPrincipalAmt>
        <BalanceDueAmt>774</BalanceDueAmt>
        <DefaultInd>0</DefaultInd>
        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>1</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Fred Lamoreaux</PersonNm>
        <RelationshipWithOrgTxt>Chairman</RelationshipWithOrgTxt>
        <LoanPurposeTxt>vehicle</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>22336</OriginalPrincipalAmt>
        <BalanceDueAmt>4803</BalanceDueAmt>
        <DefaultInd>0</DefaultInd>
        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>1</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Betty Mueller</PersonNm>
        <RelationshipWithOrgTxt>President</RelationshipWithOrgTxt>
        <LoanPurposeTxt>MC</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>15000</OriginalPrincipalAmt>
        <BalanceDueAmt>14649</BalanceDueAmt>
        <DefaultInd>0</DefaultInd>
        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>1</WrittenAgreementInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Betty Mueller</PersonNm>
        <RelationshipWithOrgTxt>President</RelationshipWithOrgTxt>
        <LoanPurposeTxt>secured CD</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>77831</OriginalPrincipalAmt>
        <BalanceDueAmt>61314</BalanceDueAmt>
        <DefaultInd>0</DefaultInd>
        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>1</WrittenAgreementInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Ben Hayes</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>mastercard</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>15000</OriginalPrincipalAmt>
        <BalanceDueAmt>721</BalanceDueAmt>
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        <WrittenAgreementInd>1</WrittenAgreementInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Rita Summy</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>signature loan</LoanPurposeTxt>
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        <OriginalPrincipalAmt>3183</OriginalPrincipalAmt>
        <BalanceDueAmt>2198</BalanceDueAmt>
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        <WrittenAgreementInd>1</WrittenAgreementInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>David Smith</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>vehicle-watercraft</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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        <BalanceDueAmt>24805</BalanceDueAmt>
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        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>1</WrittenAgreementInd>
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    <IRS990ScheduleO documentId="R000004" softwareId="13000241" softwareVersion="v1.00">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section A, Line 6</FormAndLineReferenceDesc>
        <ExplanationTxt>the organization has members</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section A, Line 7a</FormAndLineReferenceDesc>
        <ExplanationTxt>the governing body is elected by the general membership.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section A, Line 7b</FormAndLineReferenceDesc>
        <ExplanationTxt>Any mergers must be approved by the general membership</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, Line 11b</FormAndLineReferenceDesc>
        <ExplanationTxt>A copy of the 990 return was given to each director for their review prior to filing the return</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, Line 15</FormAndLineReferenceDesc>
        <ExplanationTxt>Peer group surveys were reviewed for all positions. The Executive Committee review the President position and the President reviewed all other positions</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section C, Line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>All governing documents that are required to be made public are available to the general membership upon request, by bulletin display, or on the Creit Union website.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part XI, Line 9</FormAndLineReferenceDesc>
        <ExplanationTxt>Increase in share, checking, and time certificate accounts.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>