COMMUNITY 1ST CREDIT UNION: Form 990, tax year 2012

View the entire original 990 at ProPublica ↗

Organization: COMMUNITY 1ST CREDIT UNION (EIN 91-0403380)
Tax period: 2012-01-01 to 2012-12-31
Filed: 2013-10-11
IRS object ID: 201312849349301401
Schema version: 2012v2.1
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 J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2013-10-11T15:46:21-05:00	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	SHANNON & ASSOCIATES LLP	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	1851 CENTRAL PLACE SOUTH SUITE 225	AddressLine1
City	KENT	City
State	WA	State
ZIP Code	980307507	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	910403380	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	COMMUNITY 1ST CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	COMM	NameControl
Phone	2537225212	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 870	AddressLine1
City	DUPONT	City
State	WA	State
ZIP Code	98327	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	CINDY MCKRILL	Name
Title	VICE PRESIDENT	Title
Phone	2537225212	Phone
Date Signed	2013-10-01	DateSigned
Authorize Third Party	true	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	ROGER JONES	Name
Phone	2538528500	Phone
Date Prepared	2013-10-11	DatePrepared

Field	Value	IRS element (for citing)
Tax Year	2012	TaxYear
Build TS	2016-02-25 16:41:14Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Name Of Principal Officer Person	ROGER GIESEKE	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	955 ROSS LOOP SUITE 100	AddressLine1
City	DUPONT	City
State	WA	State
ZIP Code	98327	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	6206228	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
Organization501c	X	Organization501c
Web Site	WWW.MYC1CU.COM	WebSite
Type Of Organization Corporation	X	TypeOfOrganizationCorporation
Year Formation	1934	YearFormation
State Legal Domicile	WA	StateLegalDomicile
Activity Or Mission Description	TO BUILD RELATIONSHIPS BY DELIVERING VALUED BANKING SOLUTIONS. OUR GOAL IS TO BE RESPONSIVE TO MEMBER FINANCIAL NEEDS, PROMOTE THRIFT, PROVIDE A FULL RANGE OF SERVICES, MAINTAIN FINANCIAL STABILITY, AND MANAGE GROWTH WHILE OFFERING REWARDING CAREERS TO OUR EMPLOYEES.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	9	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	9	NbrIndependentVotingMembers
Total Nbr Employees	58	TotalNbrEmployees
Total Nbr Volunteers	11	TotalNbrVolunteers
Total Gross UBI	66111	TotalGrossUBI
Net Unrelated Business Txbl Income	-4380	NetUnrelatedBusinessTxblIncome
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	4578251	ProgramServiceRevenuePriorYear
Program Service Revenue CY	4246008	ProgramServiceRevenueCY
Investment Income Prior Year	407842	InvestmentIncomePriorYear
Investment Income Current Year	1371402	InvestmentIncomeCurrentYear
Other Revenue Prior Year	12572	OtherRevenuePriorYear
Other Revenue Current Year	92749	OtherRevenueCurrentYear
Total Revenue Prior Year	4998665	TotalRevenuePriorYear
Total Revenue Current Year	5710159	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	2114654	SalariesEtcPriorYear
Salaries Etc Current Year	2343154	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	2858350	OtherExpensePriorYear
Other Expenses Current Year	2720498	OtherExpensesCurrentYear
Total Expenses Prior Year	4973004	TotalExpensesPriorYear
Total Expenses Current Year	5063652	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	25661	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	646507	RevenuesLessExpensesCY
Total Assets BOY	117315007	TotalAssetsBOY
Total Assets EOY	113629156	TotalAssetsEOY
Total Liabilities BOY	100831369	TotalLiabilitiesBOY
Total Liabilities EOY	96582587	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	16483638	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	17046569	NetAssetsOrFundBalancesEOY
Info In Schedule O Part III	X	InfoInScheduleOPartIII
Mission Description	TO BUILD RELATIONSHIPS BY DELIVERING VALUED BANKING SOLUTIONS. OUR GOAL IS TO BE RESPONSIVE TO MEMBER FINANCIAL NEEDS, PROMOTE THRIFT, PROVIDE A FULL RANGE OF SERVICES, MAINTAIN FINANCIAL STABILITY, AND MANAGE GROWTH WHILE OFFERING REWARDING CAREERS TO OUR EMPLOYEES.	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Description	MUTUAL, MEMBERSHIP BENEFIT PROGRAMS, GENERAL/OTHER: PROVIDED ITS 8,658 MEMBERS THE OPPORTUNITY FOR SAVINGS, DEPOSIT, LOANS, AND OTHER FINANCIAL SERVICES. GRANTED 1,264 LOANS TOTALING 19,831,988 TO ITS MEMBERS DURING 2012.	Description
Described In501 C3	false	DescribedIn501C3
Schedule B Required	false	ScheduleBRequired
Political Activities	false	PoliticalActivities
Subject To Proxy Tax	false	SubjectToProxyTax
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	false	ReportInvestOthSecurities
Report Prog Rel Invest	false	ReportProgRelInvest
Report Other Assets	true	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	true	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	1874	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Number Of Employees	58	NumberOfEmployees
Employment Tax Returns Filed	true	EmploymentTaxReturnsFiled
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	9	NbrVotingGoverningBodyMembers
Number Independent Voting Members	9	NumberIndependentVotingMembers
Family Or Business Relationship	false	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	true	LocalChapters
Policies Reference Chapters	true	PoliciesReferenceChapters
Form990 Provided To Governing Body	true	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	true	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	true	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
Other Website	X	OtherWebsite
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Field	Value	IRS element (for citing)
Name Person	CINDY MCKRILL	NamePerson
Telephone Number	2537225212	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	955 ROSS LOOP	AddressLine1
City	DUPONT	City
State	WA	State
ZIP Code	98327	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (12 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer
STEVE BATES
DIRECTOR	5.00	X	0	0	0
DOROTHY HOLTE
DIRECTOR	8.00	X	0	0	0
JAMES REID
DIRECTOR	8.00	X	0	0	0
JAN PARENT
DIRECTOR	5.00	X	0	0	0
ELAINE TIERNEY
DIRECTOR	5.00	X	0	0	0
KEN TITUS
DIRECTOR	5.00	X	0	0	0
LARRY WILLIAMS
DIRECTOR	5.00	X	0	0	0
FRANK WORDEN
BOARD CHAIR	5.00	X	0	0	0
TERESA WILLIAMS
DIRECTOR	5.00	X	0	0	0
ROGER GIESEKE
PRES/CEO	50.00		286343	0	28634	X
CINDY MCKRILL
EXECUTIVE VP	50.00		130369	0	13037	X
LISA ZVIRZDYS
VP OF SALES/	50.00		96383	0	9638	X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	513095	TotalReportableCompFromOrg
Total Other Compensation	51309	TotalOtherCompensation
Number Individuals GT100 K	2	NumberIndividualsGT100K
Formers Listed	false	FormersListed
Total Comp GT150 K	true	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
DATASAFE ACCOUNT PROCESSING
75 REMITTANCE DR STE 6962	CHICAGO	IL	60675	FISERV	308383
NWFA-NWCUA
PO BOX 24941	SEATTLE	WA	98124	ASSOCIATION DUE	204131
DIEBOLD INC
PO BOX 643543	PITTSBURGH	PA	15264	ATM SERVICE	110406

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

Program Service Revenue ProgramServiceRevenue (5 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	Unrelated Business RevenueUnrelatedBusinessRevenue
INTEREST ON LOANS TO MEMBERS	522291	2860094	2860094
FEES & CHARGES	522100	1031856	1031856
DEBIT/CREDIT CARD & ATM	522210	287947	287947
NON MEMBER ATM FEES	525990	34222		34222
INSURANCE INCOME	524298	31889		31889

Field	Value	IRS element (for citing)
Total Program Service Revenue	4246008	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	377441	TotalRevenueColumn
Exclusion	$377,441	ExclusionAmount

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Other	1490030	Other

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Other	496069	Other

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Other	993961	Other

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	993961	TotalRevenueColumn
Related Or Exempt Function Income	993961	RelatedOrExemptFunctionIncome

Other Revenue Misc OtherRevenueMisc (3 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	ExclusionExclusionAmount
GAIN ON SALE OF MORTGAGE LOAN	900099	69771	$69,771
SAFE DEPOSIT BOX INCOME	900099	6310	$6,310
CHECK PRINTING INCOME	900099	6164	$6,164

Miscellaneous Revenue MiscellaneousRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	10504	TotalRevenueColumn
Exclusion	$10,504	ExclusionAmount

Field	Value	IRS element (for citing)
Total Other Revenue	92749	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	5710159	TotalRevenueColumn
Related Or Exempt Function Income	5173858	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	66111	UnrelatedBusinessRevenue
Exclusion	$470,190	ExclusionAmount

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	437514	Total

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	1264462	Total

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	129109	Total

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	369811	Total

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	142258	Total

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	5310	Total

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	27500	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	46675	Total

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	269377	Total

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	250531	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	197242	Total

Travel Travel

Field	Value	IRS element (for citing)
Total	44353	Total

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	17413	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	348039	Total

Insurance Insurance

Field	Value	IRS element (for citing)
Total	71834	Total

Other Expenses OtherExpenses (4 entries)

DescriptionDescription	TotalTotal
DIVIDENDS PAID TO MEMBERS	554702
PROVISION FOR LOAN LOSSES	290500
LOAN SERVICE & COLLECTION	183182
VISA FEES AND CHARGES	137429

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	276411	Total

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	5063652	Total
Program Services	0	ProgramServices
Management And General	0	ManagementAndGeneral
Fundraising	0	Fundraising

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	1627149	BOY
EOY	1518394	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	29064386	BOY
EOY	31205000	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	43966901	BOY
EOY	43131456	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	389115	BOY
EOY	395555	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	10358442	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	2109672	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	8730813	BOY
EOY	8248770	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	27629806	BOY
EOY	22590006	EOY

Investments Program Related InvestmentsProgramRelated

Field	Value	IRS element (for citing)
BOY	2000	BOY
EOY	2000	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	5904837	BOY
EOY	6537975	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	117315007	BOY
EOY	113629156	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	1823893	BOY
EOY	2185138	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	99007476	BOY
EOY	94397449	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	100831369	BOY
EOY	96582587	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	16483638	BOY
EOY	17046569	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	16483638	BOY
EOY	17046569	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	117315007	BOY
EOY	113629156	EOY

Field	Value	IRS element (for citing)
Reconcilation Revenue Expenses	646507	ReconcilationRevenueExpenses
Reconcilation Other Changes	-83576	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	false	AccountantCompileOrReview
FS Audited	false	FSAudited
Federal Grant Audit Required	false	FederalGrantAuditRequired

Schedule D IRS990ScheduleD

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	1977653	OtherCostOrOtherBasis
Book Value	1977653	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	5579430	OtherCostOrOtherBasis
Depreciation	595872	Depreciation
Book Value	4983558	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	308422	OtherCostOrOtherBasis
Depreciation	23200	Depreciation
Book Value	285222	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	2492937	OtherCostOrOtherBasis
Depreciation	1490600	Depreciation
Book Value	1002337	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	8248770	TotalOfBookValueLandBuildings

Other Assets OtherAssets (8 entries)

DescriptionDescription	Book ValueBookValue
457 PLAN ASSETS	4635515
NCUSIF DEPOSIT	891259
LOANS HELD FOR SALE	731990
ACCRUED INTEREST RECEIVABLE	193186
ASSETS ACQUIRED IN LIQUIDATION	27027
MORTGAGE SERVICING ASSET RIGHTS	25465
OTHER RECEIVABLES	23479
OTHER ASSETS	10054

Field	Value	IRS element (for citing)
Total Book Value Other Assets	6537975	TotalBookValueOtherAssets

Other Liabilities OtherLiabilities (3 entries)

DescriptionDescription	AmountAmount
MEMBER SHARES AND DEPOSITS	$94,253,376
ACCRUED EXPENSES	$138,185
TAXES PAYABLE	$5,888

Field	Value	IRS element (for citing)
Total Of Amounts	94397449	TotalOfAmounts

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Survey	X	CompensationSurvey
Board Or Committee Approval	X	BoardOrCommitteeApproval
Severance Payment	false	SeverancePayment
Supplemental Nonqual Retire Plan	true	SupplementalNonqualRetirePlan
Equity Based Comp Arrangement	false	EquityBasedCompArrangement

Form990 Schedule J Part II Form990ScheduleJPartII

Field	Value	IRS element (for citing)
Name Person	ROGER GIESEKE	NamePerson
Title	PRESCEO	Title
Base Compensation Filing Org	286343	BaseCompensationFilingOrg
Deferred Comp Filing Org	28634	DeferredCompFilingOrg
Total Compensation Filing Org	314977	TotalCompensationFilingOrg

Form990 Schedule J Part III Form990ScheduleJPartIII (2 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
SEVERANCE, NONQUALIFIED, AND EQUITY-BASED PAYMENTS	SCHEDULE J, PAGE 1, PART I, LINE 4	ROGER GIESEKE 0 28,634 0
OTHER ADDITIONAL INFORMATION	SCHEDULE J, PART III	OFFICERS PARTICIPATE IN 457 (B) AND 457 (F) PLANS BUT DID NOT RECEIVE PAYMENTS DURING 2012.

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (10 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
ORGANIZATION'S MISSION	FORM 990 - ORGANIZATION'S MISSION	TO BUILD RELATIONSHIPS BY DELIVERING VALUED BANKING SOLUTIONS. OUR GOAL IS TO BE RESPONSIVE TO MEMBER FINANCIAL NEEDS, PROMOTE THRIFT, PROVIDE A FULL RANGE OF SERVICES, MAINTAIN FINANCIAL STABILITY, AND MANAGE GROWTH WHILE OFFERING REWARDING CAREERS TO OUR EMPLOYEES.
EXPLANATION ON VOLUNTEERS AND TYPES OF SERVICES OR BENEFITS	FORM 990, PAGE 1, PART I, LINE 6	SUPERVISORY AND AUDIT SERVICES ARE PROVIDED BY THE BOARD OF DIRECTORS AND THE SUPERVISORY COMMITTEE.
CLASSES OF MEMBERS OR STOCKHOLDERS	FORM 990, PAGE 6, PART VI, LINE 6	THE CREDIT UNION HAS 8,658 MEMBERS.
ELECTION OF MEMBERS AND THEIR RIGHTS	FORM 990, PAGE 6, PART VI, LINE 7A	CREDIT UNION MEMBERS ELECT ALL MEMBERS OF THE BOARD OF DIRECTORS
ORGANIZATION'S PROCESS USED TO REVIEW FORM 990	FORM 990, PAGE 6, PART VI, LINE 11B	FORM 990 IS REVIEWED BY THE CEO, EVP, AND THE BOARD OF DIRECTORS. THE FORM IS APPROVED BY THE CEO AND EVP.
ENFORCEMENT OF CONFLICTS POLICY	FORM 990, PAGE 6, PART VI, LINE 12C	DIRECTORS ARE REQUIRED TO SIGN AN OATH OF OFFICE ANNUALLY WHICH INCORPORATES A CONFLICT OF INTEREST STATEMENT.
COMPENSATION PROCESS FOR TOP OFFICIAL	FORM 990, PAGE 6, PART VI, LINE 15A	COMPENSATION COMMITTEE OF THE BOARD REVIEWS AND APPROVES THE CEO'S COMPENSATION.
COMPENSATION PROCESS FOR OFFICERS	FORM 990, PAGE 6, PART VI, LINE 15B	CEO SETS OFFICER SALARIES BASED ON INDUSTRY SURVEY AND PEER COMPARISON; BOARD OF DIRECTORS APPROVES.
GOVERNING DOCUMENTS DISCLOSURE EXPLANATION	FORM 990, PAGE 6, PART VI, LINE 19	THE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC AT THEIR ANNUAL MEETING AND UPON REQUEST.
OTHER CHANGES IN NET ASSETS EXPLANATION	FORM 990, PART XI, LINE 9	CURRENT YEAR UNREALIZED GAIN ON INVESTMENTS 27,932 PRIOR YEAR UNREALIZED GAIN ON INVESTMENTS 111,508