POINT BREEZE CREDIT UNION: Form 990, tax year 2013

View the entire original 990 at ProPublica ↗

Organization: POINT BREEZE CREDIT UNION (EIN 52-0447180)
Tax period: 2013-01-01 to 2013-12-31
Filed: 2014-11-13
IRS object ID: 201433179349303903
Schema version: 2013v3.0
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 L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2014-11-13T13:25:26-06:00	ReturnTs
Tax Period End	2013-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	520630619	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	Rowles & Company LLP	BusinessNameLine1

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	8100 Sandpiper Circle Suite 308	AddressLine1
City	Baltimore	City
State	MD	State
ZIP Code	21236	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2013-01-01	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	BusinessNameLine1

Field	Value	IRS element (for citing)
Business Name Control	POIN	BusinessNameControlTxt
Phone	4107713850	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	11104 McCormick Road	AddressLine1
City	Hunt Valley	City
State	MD	State
ZIP Code	21031	ZIPCode

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	Bernard G McLaughlin	PersonNm
Person Title	President/CEO	PersonTitleTxt
Phone	4107713850	PhoneNum
Signature	2014-11-13	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	Edward C Beyer	PreparerPersonNm
PTIN	P00383756	PTIN
Phone	4437255395	PhoneNum

Field	Value	IRS element (for citing)
Tax	2013	TaxYr
Build TS	2015-11-30 17:44:51Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	Bernard G McLaughlin	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	11104 McCormick Road	AddressLine1
City	Hunt Valley	City
State	MD	State
ZIP Code	21031	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	$23,435,281	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	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	107	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$19,653	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$272	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$18,119,409	PYProgramServiceRevenueAmt
CY Program Service Revenue	$20,346,227	CYProgramServiceRevenueAmt
PY Investment Income	$3,362,344	PYInvestmentIncomeAmt
CY Investment Income	$3,089,054	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$21,481,753	PYTotalRevenueAmt
CY Total Revenue	$23,435,281	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	$7,318,261	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$7,768,870	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$10,691,768	PYOtherExpensesAmt
CY Other Expenses	$10,611,854	CYOtherExpensesAmt
PY Total Expenses	$18,010,029	PYTotalExpensesAmt
CY Total Expenses	$18,380,724	CYTotalExpensesAmt
PY Revenues Less Expenses	$3,471,724	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$5,054,557	CYRevenuesLessExpensesAmt
Total Assets BOY	$724,912,442	TotalAssetsBOYAmt
Total Assets EOY	$721,186,712	TotalAssetsEOYAmt
Total Liabilities BOY	$8,768,434	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$4,081,091	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$716,144,008	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$717,105,621	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 48,740 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	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 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	22509	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	107	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	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	Tonia M Niedzialkowski	BusinessNameLine1

Field	Value	IRS element (for citing)
Phone	4107713850	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	11104 McCormick Road	AddressLine1
City	Baltimore	City
State	MD	State
ZIP Code	21031	ZIPCode

Form990 Part VII Section A Form990PartVIISectionAGrp (18 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
Michael J Gallagher
Chairman	3.80	Yes (X)	$14,880	$0	$0
Joseph Marschall
Director	1.60	Yes (X)	$6,150	$0	$200
Donna L Banning
Director	1.20	Yes (X)	$4,650	$0	$0
William B Davis Jr
Secretary	3.50	Yes (X)	$13,560	$0	$2,000
Dominic L Conoscenti
Director	0.90	Yes (X)	$3,600	$0	$2,000
Ralph S Pagano
Treasurer	4.40	Yes (X)	$17,250	$0	$2,000
William L Ramsey
Director	1.40	Yes (X)	$5,400	$0	$2,000
Howard W Uhl
Director	2.30	Yes (X)	$9,090	$0	$0
William J Burton
Supervisory Committee	1.50	Yes (X)	$4,560	$0	$0
Joseph R Palladino
Supervisory Committee	0.90	Yes (X)	$2,760	$0	$0
Dorothy F Olszewski
Supervisory Committee	1.40	Yes (X)	$4,500	$0	$0
William R Helmey
Supervisory Committee	1.70	Yes (X)	$6,720	$0	$200
Donald Gundlach
Supervisory Committee	1.10	Yes (X)	$3,360	$0	$0
Bernard G McLaughlin
President/CEO	40.00		$336,147	$0	$16,881	Yes (X)
Judy L Cross
Senior Vice President	40.00		$230,616	$0	$432,041	Yes (X)
Tonia M Niedzialkowski
Chief Financial Officer	40.00		$156,516	$0	$117,960	Yes (X)
Patricia Harrison
Vice Pres - Lending	40.00		$113,554	$0	$104,677		Yes (X)
Kristin Reynolds
Human Resources Director	40.00		$100,635	$0	$27,728		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,033,948	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$707,687	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	5	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/AddressLine1	CityContractorAddress/USAddress/City	StateContractorAddress/USAddress/State	ZIP CodeContractorAddress/USAddress/ZIPCode	ServicesServicesDesc	CompensationCompensationAmt
XP Systems
75 Remittance Dr Suite 6963	Chicago	IL	60675	data processing	$362,888
ACI Worldwide Corp
99944 Collection Center Dr	Chicago	IL	60693	card processing	$251,762
Hill Management Services Inc
PO Box 4835	Timonium	MD	21094	rent	$225,073
CDW
13461 Sunrise Valley	Herndon	VA	20171	IT products and services	$187,331
Brown & Brown
8501 Lasalle Rd Suite 212	Baltimore	MD	21286	legal services	$179,122

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	$14,231,539	$14,231,539
Other services	525990	$4,473,239	$4,473,239
Share account services	525990	$1,472,994	$1,472,994
Credit insurance	524298	$148,802	$148,802
Nonmember ATM fees	525990	$19,653		$19,653

Field	Value	IRS element (for citing)
Total Program Service Revenue	$20,346,227	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$3,089,054	TotalRevenueColumnAmt
Exclusion	$3,089,054	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$23,435,281	TotalRevenueColumnAmt
Related Or Exempt Func Income	$20,326,574	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$19,653	UnrelatedBusinessRevenueAmt
Exclusion	$3,089,054	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,741,635	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$4,281,941	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$465,636	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$865,616	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$414,042	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$22,945	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$77,892	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$269,458	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$455,055	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,149,191	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$505,359	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$924,227	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$25,729	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$59,970	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$3,184,505	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$527,612	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$225,911	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
Loan loss provision	$1,573,022
Lending expense	$717,872
Member share insurance	$507,627
Bank service charges	$247,514

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$137,965	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$18,380,724	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$9,329,556	BOYAmt
EOY	$6,277,983	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$83,934,822	BOYAmt
EOY	$75,835,915	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$791,705	BOYAmt
EOY	$694,918	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$269,929,925	BOYAmt
EOY	$292,470,942	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$14,874,495	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$6,507,981	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$8,425,094	BOYAmt
EOY	$8,366,514	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$330,903,227	BOYAmt
EOY	$298,700,245	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$21,598,113	BOYAmt
EOY	$38,840,195	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$724,912,442	BOYAmt
EOY	$721,186,712	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$8,768,434	BOYAmt
EOY	$4,081,091	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$8,768,434	BOYAmt
EOY	$4,081,091	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	$633,225,780	BOYAmt
EOY	$627,945,043	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	$82,918,228	BOYAmt
EOY	$89,160,578	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$716,144,008	BOYAmt
EOY	$717,105,621	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$724,912,442	BOYAmt
EOY	$721,186,712	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$5,054,557	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$197,428	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	-$3,895,516	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	$2,577,140	OtherCostOrOtherBasisAmt
Book Value	$2,577,140	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$8,020,311	OtherCostOrOtherBasisAmt
Depreciation	$3,008,185	DepreciationAmt
Book Value	$5,012,126	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,277,044	OtherCostOrOtherBasisAmt
Depreciation	$3,499,796	DepreciationAmt
Book Value	$777,248	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$8,366,514	TotalBookValueLandBuildingsAmt

Other Assets Org OtherAssetsOrgGrp (4 entries)

DescDesc	Book ValueBookValueAmt
NCUSIF deposit	$6,345,341
Accrued interest receivable	$1,304,173
Other assets	$8,756,913
CU owned life insurance	$22,433,768

Field	Value	IRS element (for citing)
Total Book Value Other Assets	$38,840,195	TotalBookValueOtherAssetsAmt
Total Rev Etc Audited Fincl Stmt	$23,435,281	TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$23,435,281	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$23,435,281	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$18,380,724	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$18,380,724	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$18,380,724	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 (5 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
Bernard G McLaughlin
President/CEO	$336,147	$0	$0	$0	$0	$0	$0	$0	$16,881	$0	$353,028	$0	$0	$0
Judy L Cross
Senior Vice President	$230,616	$0	$0	$0	$0	$0	$414,442	$0	$17,599	$0	$662,657	$0	$0	$0
Tonia M Niedzialkowski
Chief Financial Officer	$156,516	$0	$0	$0	$0	$0	$99,827	$0	$18,133	$0	$274,476	$0	$0	$0
Patricia Harrison
Vice Pres - Lending	$113,554	$0	$0	$0	$0	$0	$96,634	$0	$8,043	$0	$218,231	$0	$0	$0
Kristin Reynolds
Human Resources Director	$100,635	$0	$0	$0	$0	$0	$11,730	$0	$15,998	$0	$128,363	$0	$0	$0

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (10 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
Judy L Cross
VP	mortgage	Yes (X)	$176,000	$137,096	0	Yes (1)	Yes (1)
Tonia M Niedzialkowski
CFO	mortgage	Yes (X)	$390,000	$294,764	0	Yes (1)	Yes (1)
Donna L Banning
Director	cr card	Yes (X)		$3,382	0	Yes (1)	Yes (1)
Michael J Gallagher
Chairman	credit cards, auto	Yes (X)	$87,760	$80,713	0	Yes (1)	Yes (1)
William L Ramsey
Director	credit card, auto	Yes (X)	$80,276	$42,889	0	Yes (1)	Yes (1)
Charles J Marschall
Director	credit card, auto	Yes (X)	$24,753	$12,130	0	Yes (1)	Yes (1)
Howard W Uhl
Director	cr card	Yes (X)		$2,000	0	Yes (1)	Yes (1)
Joseph R Palladino
Director	mortgage, collateral LOC	Yes (X)	$100,000	$94,539	0	Yes (1)	Yes (1)
Ralph Pagano
Director	credit card, auto	Yes (X)	$27,575	$27,386	0	Yes (1)	Yes (1)
Dominic Conoscenti
Director	cr card	Yes (X)		$19	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$694,918	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 48,740 members.
Form 990, Part VI, Section A, line 7a	Credit Union members elect the board of directors.
Form 990, Part VI, Section B, line 11	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 CUNA salary survey and makes a proposal to the board of directors for the CEO's salary. The CEO reviews a CUNA salary survey and makes a proposal to the board of directors for officers' salaries. 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 given to members at the annual meeting.
Form 990, Part XI, line 9:	Net decrease in members' share balances -5,280,737. Minimum postretirement health plan liability adjustment 1,385,221.
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.