Pinnacle Credit Union: Form 990, tax year 2012

View the entire original 990 at ProPublica ↗

Organization: Pinnacle Credit Union (EIN 58-0147125)
Tax period: 2012-01-01 to 2012-12-31
Filed: 2013-11-14
IRS object ID: 201303189349306305
Schema version: 2012v2.2
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 O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2013-11-14T04:44:06-00:00	Timestamp
Tax Period End Date	2012-12-31	TaxPeriodEndDate

Preparer Firm PreparerFirm

Preparer Firm Business Name PreparerFirmBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	ORTH CHAKLER MURNANE AND CO CPAs	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	12060 SW 129 COURT SUITE 201	AddressLine1
City	MIAMI	City
State	FL	State
ZIP Code	33186	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnType
Tax Period Begin Date	2012-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	580147125	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	PINNACLE CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	PINN	NameControl
Phone	4048881648	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	536 NORTH AVENUE	AddressLine1
City	ATLANTA	City
State	GA	State
ZIP Code	30308	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	DIANE McCOY	Name
Title	EXECUTIVE VICE PRESIDENTINTERIM CEO	Title
Date Signed	2013-11-14	DateSigned
Authorize Third Party	true	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	DOUGLAS ORTH	Name
Phone	3052328272	Phone
Date Prepared	2013-11-14	DatePrepared

Field	Value	IRS element (for citing)
Tax Year	2012	TaxYear
Build TS	2016-02-24 21:20:13Z	BuildTS

Form 990 IRS990

Name Of Principal Officer Business NameOfPrincipalOfficerBusiness

Field	Value	IRS element (for citing)
Business Name Line1	DIANE McCOY	BusinessNameLine1

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	536 NORTH AVENUE	AddressLine1
City	ATLANTA	City
State	GA	State
ZIP Code	30308	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	4281571	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
Group Exemption Number	1986	GroupExemptionNumber
Organization501c	X	Organization501c
Web Site	WWW.PINNACLECU.ORG	WebSite
Type Of Organization Corporation	X	TypeOfOrganizationCorporation
Year Formation	1926	YearFormation
State Legal Domicile	GA	StateLegalDomicile
Activity Or Mission Description	STATE CHARTERED MEMBER SERVED CREDIT UNION.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	10	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	10	NbrIndependentVotingMembers
Total Nbr Employees	36	TotalNbrEmployees
Total Nbr Volunteers	10	TotalNbrVolunteers
Total Gross UBI	26027	TotalGrossUBI
Net Unrelated Business Txbl Income	-3520	NetUnrelatedBusinessTxblIncome
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	3195847	ProgramServiceRevenuePriorYear
Program Service Revenue CY	3924238	ProgramServiceRevenueCY
Investment Income Prior Year	376118	InvestmentIncomePriorYear
Investment Income Current Year	231568	InvestmentIncomeCurrentYear
Other Revenue Prior Year	1060076	OtherRevenuePriorYear
Other Revenue Current Year	0	OtherRevenueCurrentYear
Total Revenue Prior Year	4632041	TotalRevenuePriorYear
Total Revenue Current Year	4155806	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	1598365	SalariesEtcPriorYear
Salaries Etc Current Year	1631654	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	2742640	OtherExpensePriorYear
Other Expenses Current Year	2388000	OtherExpensesCurrentYear
Total Expenses Prior Year	4341005	TotalExpensesPriorYear
Total Expenses Current Year	4019654	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	291036	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	136152	RevenuesLessExpensesCY
Total Assets BOY	86140463	TotalAssetsBOY
Total Assets EOY	86280568	TotalAssetsEOY
Total Liabilities BOY	80004609	TotalLiabilitiesBOY
Total Liabilities EOY	80008562	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	6135854	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	6272006	NetAssetsOrFundBalancesEOY
Mission Description	PROVIDE FINANCIAL SERVICES TO THE VARIOUS MEMBERS OF THE FINANCIAL INSTITUTION INCLUDING LOAN AND DEPOSIT ACCOUNTS.	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Description	INTEREST PAID TO MEMBERS DEPOSITS, IRAS AND CERTIFICATES OF DEPOSIT. PURPOSE IS TO PROVIDE THRIFT SAVINGS AND DEPOSIT SERVICES TO MEMBERS	Description
Described In501 C3	false	DescribedIn501C3
Schedule B Required	false	ScheduleBRequired
Political Activities	false	PoliticalActivities
Donor Advised Funds	false	DonorAdvisedFunds
Conservation Easements	false	ConservationEasements
Collections Of Art	false	CollectionsOfArt
Credit Counseling	false	CreditCounseling
Term Or Permanent Endowments	false	TermOrPermanentEndowments
Report Land Bldg Equip	true	ReportLandBldgEquip
Report Invest Oth Securities	true	ReportInvestOthSecurities
Report Prog Rel Invest	false	ReportProgRelInvest
Report Other Assets	false	ReportOtherAssets
Report Other Liabilities	true	ReportOtherLiabilities
Report Fin48 Footnote	false	ReportFin48Footnote
Independent Audit Financial Stmt	false	IndependentAuditFinancialStmt
Consolidated Audit Financial Stmt	false	ConsolidatedAuditFinancialStmt
School	false	School
Foreign Office	false	ForeignOffice
Foreign Activities	false	ForeignActivities
More Than5000 K To Organizations	false	MoreThan5000KToOrganizations
More Than5000 K To Individuals	false	MoreThan5000KToIndividuals
Professional Fundraising	false	ProfessionalFundraising
Fundraising Activities	false	FundraisingActivities
Gaming	false	Gaming
Hospital	false	Hospital
Grants To Organizations	false	GrantsToOrganizations
Grants To Individuals	false	GrantsToIndividuals
Schedule J Required	false	ScheduleJRequired
Tax Exempt Bonds	false	TaxExemptBonds
Loan To Officer Or DQP	false	LoanToOfficerOrDQP
Grant To Related Person	false	GrantToRelatedPerson
Bsnss Rltnshp With Organization	false	BsnssRltnshpWithOrganization
Bsnss Rltnshp Thru Family Member	false	BsnssRltnshpThruFamilyMember
Officer Entity With Bsnss Rltnshp	false	OfficerEntityWithBsnssRltnshp
Deductible Non Cash Contributions	false	DeductibleNonCashContributions
Deductible Contributions Of Art	false	DeductibleContributionsOfArt
Terminated	false	Terminated
Partial Liquidation	false	PartialLiquidation
Disregarded Entity	false	DisregardedEntity
Related Entity	false	RelatedEntity
Related Org Controlled Entity	false	RelatedOrgControlledEntity
Activities Conducted Partnership	false	ActivitiesConductedPartnership
Schedule O Required	true	ScheduleORequired
Number Forms Transmitted With1096	2474	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	true	ComplianceWithBackupWitholding
Number Of Employees	36	NumberOfEmployees
Unrelated Business Income	true	UnrelatedBusinessIncome
Form990-T Filed	true	Form990-TFiled
Foreign Financial Account	false	ForeignFinancialAccount
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTrans
Taxable Party Notification	false	TaxablePartyNotification
Non Deductible Contributions	false	NonDeductibleContributions
Indoor Tanning Services	false	IndoorTanningServices
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	10	NbrVotingGoverningBodyMembers
Number Independent Voting Members	10	NumberIndependentVotingMembers
Family Or Business Relationship	true	FamilyOrBusinessRelationship
Delegation Of Management Duties	false	DelegationOfManagementDuties
Changes To Organizing Docs	false	ChangesToOrganizingDocs
Material Diversion Or Misuse	false	MaterialDiversionOrMisuse
Members Or Stockholders	true	MembersOrStockholders
Election Of Board Members	true	ElectionOfBoardMembers
Decisions Subject To Approval	false	DecisionsSubjectToApproval
Minutes Of Governing Body	true	MinutesOfGoverningBody
Minutes Of Committees	true	MinutesOfCommittees
Officer Mailing Address	false	OfficerMailingAddress
Local Chapters	false	LocalChapters
Form990 Provided To Governing Body	false	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	true	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	false	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	true	RegularMonitoringEnforcement
Whistleblower Policy	false	WhistleblowerPolicy
Document Retention Policy	true	DocumentRetentionPolicy
Compensation Process CEO	true	CompensationProcessCEO
Compensation Process Other	true	CompensationProcessOther
Investment In Joint Venture	false	InvestmentInJointVenture
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Field	Value	IRS element (for citing)
Name Person	DIANE McCOY	NamePerson
Telephone Number	4048881648	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	536 NORTH AVENUE NE	AddressLine1
City	ATLANTA	City
State	GA	State
ZIP Code	30308	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (13 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer
SIDNEY BLACKSTONE
CHAIRMAN/BOD	001.00	X	0	0	0
WILLIAM BRINKLEY
VICE CHAIRMAN/BOD	001.00	X	0	0	0
ANN PEARCE
SECRETARY/BOD	001.00	X	0	0	0
DEAN BROOKS
SUPERVISORY CHAIR	001.00	X	0	0	0
GENE CHANDLER
BOD	001.00	X	0	0	0
JEANNE IVORY
BOD	001.00	X	0	0	0
WILLIE LESTER
BOD	001.00	X	0	0	0
RUSSELL MCCOY
BOD	001.00	X	0	0	0
WILLIAM RUSSELL
BOD	001.00	X	0	0	0
JAMES TAYLOR
BOD	001.00	X	0	0	0
ANTHONY SCALESE
BOD	001.00	X	0	0	0
SUSAN JACKSON
CEO	040.00		125680	0	11547	X
DIANE McCOY
FINANCE MANAGER	040.00		71244	0	4222	X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	196924	TotalReportableCompFromOrg
Total Other Compensation	15769	TotalOtherCompensation
Number Individuals GT100 K	1	NumberIndividualsGT100K
Formers Listed	false	FormersListed
Total Comp GT150 K	false	TotalCompGT150K
Compensation From Other Sources	false	CompensationFromOtherSources

Contractor Compensation ContractorCompensation (3 entries)

Address Line1AddressOfContractor/AddressUS/AddressLine1	CityAddressOfContractor/AddressUS/City	StateAddressOfContractor/AddressUS/State	ZIP CodeAddressOfContractor/AddressUS/ZIPCode	Description Of ServicesDescriptionOfServices	CompensationCompensation
XP SYSTEMS
75 REMITTANCE DRIVE SUITE 6963	CHICAGO	IL	60675	DATA PROCESSING	126264
AT&T
PO BOX 535120	ATLANTA	GA	30353	TELEPHONE INTERNET SERVICES	151112
HARLAND FINANCIAL SOLUTIONS
PO BOX 535120	ATLANTA	GA	30353	HOME BANKING BILL PAY SERVICES	114886

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	3	NumberOfContractorsGT100K

Program Service Revenue ProgramServiceRevenue (3 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	Unrelated Business RevenueUnrelatedBusinessRevenue
INTEREST ON LOANS	522100	2853116	2853116
FEES/CHARGES/OTHER	522100	1045095	1045095
UNRELATED BUSINESS INCOME	900099	26027		26027

Field	Value	IRS element (for citing)
Total Program Service Revenue	3924238	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	267300	TotalRevenueColumn
Related Or Exempt Function Income	267300	RelatedOrExemptFunctionIncome

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Other	90033	Other

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Other	125765	Other

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Other	-35732	Other

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	-35732	TotalRevenueColumn
Related Or Exempt Function Income	-35732	RelatedOrExemptFunctionIncome

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	4155806	TotalRevenueColumn
Related Or Exempt Function Income	4129779	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	26027	UnrelatedBusinessRevenue

Grants To Domestic Orgs GrantsToDomesticOrgs

Field	Value	IRS element (for citing)
Total	0	Total

Grants To Domestic Individuals GrantsToDomesticIndividuals

Field	Value	IRS element (for citing)
Total	0	Total

Foreign Grants ForeignGrants

Field	Value	IRS element (for citing)
Total	0	Total

Benefits To Members BenefitsToMembers

Field	Value	IRS element (for citing)
Total	0	Total

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	212693	Total
Program Services	212693	ProgramServices

Comp Disqual Persons CompDisqualPersons

Field	Value	IRS element (for citing)
Total	0	Total

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	1136676	Total
Program Services	1136676	ProgramServices

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	55439	Total
Program Services	55439	ProgramServices

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	126685	Total
Program Services	126685	ProgramServices

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	100161	Total
Program Services	100161	ProgramServices

Fees For Services Management FeesForServicesManagement

Field	Value	IRS element (for citing)
Total	7326	Total
Program Services	7326	ProgramServices

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	7142	Total
Program Services	7142	ProgramServices

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	35000	Total
Program Services	35000	ProgramServices

Fees For Services Lobbying FeesForServicesLobbying

Field	Value	IRS element (for citing)
Total	0	Total

Field	Value	IRS element (for citing)
Fees For Services Prof Fundraising		FeesForServicesProfFundraising

Fees For Services Invst Mgmnt Fees FeesForServicesInvstMgmntFees

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	130306	Total
Program Services	130306	ProgramServices

Advertising Advertising

Field	Value	IRS element (for citing)
Total	121464	Total
Program Services	121464	ProgramServices

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	506588	Total
Program Services	506588	ProgramServices

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	350803	Total
Program Services	350803	ProgramServices

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	170440	Total
Program Services	170440	ProgramServices

Travel Travel

Field	Value	IRS element (for citing)
Total	0	Total

Travel Entrtnmnt Public Officials TravelEntrtnmntPublicOfficials

Field	Value	IRS element (for citing)
Total	0	Total

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	26633	Total
Program Services	26633	ProgramServices

Interest Interest

Field	Value	IRS element (for citing)
Total	479660	Total
Program Services	479660	ProgramServices

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	36302	Total
Program Services	36302	ProgramServices

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	121974	Total
Program Services	121974	ProgramServices

Insurance Insurance

Field	Value	IRS element (for citing)
Total	65106	Total
Program Services	65106	ProgramServices

Other Expenses OtherExpenses

Field	Value	IRS element (for citing)
Description	SEE ATTACHED SCHEDULE	Description
Total	329256	Total
Program Services	329256	ProgramServices

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	0	Total

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	4019654	Total
Program Services	4019654	ProgramServices

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	867565	BOY
EOY	969074	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	24706742	BOY
EOY	22810667	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	544530	BOY
EOY	542011	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	36005979	BOY
EOY	31577783	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	141116	BOY
EOY	122608	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	2795837	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	1354977	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	1520740	BOY
EOY	1440860	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	17150000	BOY
EOY	8847990	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
BOY	3654323	BOY
EOY	18046358	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	1549468	BOY
EOY	1923217	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	86140463	BOY
EOY	86280568	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	361933	BOY
EOY	240122	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	79642676	BOY
EOY	79768440	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	80004609	BOY
EOY	80008562	EOY

Field	Value	IRS element (for citing)
Do Not Follow SFAS117	X	DoNotFollowSFAS117

Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc

Field	Value	IRS element (for citing)
BOY	6135854	BOY
EOY	6272006	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	6135854	BOY
EOY	6272006	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	86140463	BOY
EOY	86280568	EOY

Field	Value	IRS element (for citing)
Reconcilation Revenue Expenses	136152	ReconcilationRevenueExpenses
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	false	AccountantCompileOrReview
FS Audited	false	FSAudited
Audit Committee	false	AuditCommittee
Federal Grant Audit Required	false	FederalGrantAuditRequired

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Included On FS	false	IncludedOnFS

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	300564	OtherCostOrOtherBasis
Book Value	300564	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	1662764	OtherCostOrOtherBasis
Depreciation	859505	Depreciation
Book Value	803259	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	818174	OtherCostOrOtherBasis
Depreciation	486662	Depreciation
Book Value	331512	BookValue

Other Land Buildings OtherLandBuildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	14335	OtherCostOrOtherBasis
Depreciation	8810	Depreciation
Book Value	5525	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	1440860	TotalOfBookValueLandBuildings

Other Securities OtherSecurities (5 entries)

DescriptionDescription	Book ValueBookValue	Method Of ValuationMethodOfValuation
Financial derivatives and other financial products
Closely-held equity interests
LONG TERM CERTIFICATES OF DEPOSIT	17769000	F
CATALYST CORPORATE PERPETUAL CONTRIBUTED CAPITAL	216285	F
CATALYST CORPORATE MEMBERSHIP CAPITAL SHARES	61073	F

Field	Value	IRS element (for citing)
Total Of Book Value Securities	18046358	TotalOfBookValueSecurities

Other Liabilities OtherLiabilities (10 entries)

DescriptionDescription	AmountAmount
Federal income taxes
REGULAR SHARES	$22,439,807
SHARE DRAFT	$9,575,554
CERTIFICATES	$18,095,671
MONEY MARKET	$23,178,852
IRA CERTIFICATES	$2,739,243
IRA SHARES	$3,356,891
BUSINESS SHARES	$377,946
OTHER	$4,476
TOTAL SHARES - 2011

Field	Value	IRS element (for citing)
Total Of Amounts	79768440	TotalOfAmounts

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (7 entries)

ExplanationExplanation
Form 990 Part VI Section A Line 2 RUSSELL p. McCOY, DIRECTOR IS MARRIED TO DIANE B. McCOY, KEY EMPLOYEE.
Form 990 Part VI Section A Line 6 THE ORGANIZATION HAS MEMBERS.
Form 990 Part VI Section B Line 11B MANAGEMENT REVIEWS THE FORM 990 ON BEHALF OF THE BOARD.
Form 990 Part VI Section B Line 12C ANNUAL DISCLOSURES ARE REQUIRED.
Form 990 Part VI Section B Line 15 DETERMINED BY INDUSTRY STANDARDS, EDUCATION, AND EXPERIENCE.
Form 990 Part VI Section C Line 19 GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED.
Form 990 Part VI Section A Line 7A MEMBERS ELECT THE BOARD OF DIRECTORS.