NEIGHBORHOOD CREDIT UNION: Form 990, tax year 2012

View the entire original 990 at ProPublica ↗

Organization: NEIGHBORHOOD CREDIT UNION (EIN 75-0224670)
Tax period: 2012-01-01 to 2012-12-31
Filed: 2013-11-14
IRS object ID: 201333249349300308
Schema version: 2012v2.0
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 O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2013-11-14T16:33:32-07:00	Timestamp
Tax Period End Date	2012-12-31	TaxPeriodEndDate
Return Type	990	ReturnType
Tax Period Begin Date	2012-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	750224670	EIN

Name Name

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

Field	Value	IRS element (for citing)
Name Control	NEIG	NameControl
Phone	2147489393	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO Box 803476	AddressLine1
City	Dallas	City
State	TX	State
ZIP Code	75380	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	Shelly Portillo	Name
Title	Vice President of Accounting	Title
Phone	9727489393	Phone
Date Signed	2013-08-15	DateSigned

Field	Value	IRS element (for citing)
Tax Year	2012	TaxYear
Build TS	2016-03-07 17:11:31Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Name Of Principal Officer Person	Chet Kimmell	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	13649 Montfort Dr	AddressLine1
City	Dallas	City
State	TX	State
ZIP Code	75240	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	24696788	GrossReceipts
Group Return For Affiliates	0	GroupReturnForAffiliates
Organization501c	X	Organization501c
Web Site	www.myncu.com	WebSite
Type Of Organization Other	X	TypeOfOrganizationOther
Type Of Org Other Description	financial cooperative	TypeOfOrgOtherDescription
Year Formation	1930	YearFormation
State Legal Domicile	TX	StateLegalDomicile
Activity Or Mission Description	Provide financial services within the community of operations.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	9	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	9	NbrIndependentVotingMembers
Total Nbr Employees	150	TotalNbrEmployees
Total Nbr Volunteers	10	TotalNbrVolunteers
Total Gross UBI	0	TotalGrossUBI
Net Unrelated Business Txbl Income	0	NetUnrelatedBusinessTxblIncome
Contributions Grants Prior Year	0	ContributionsGrantsPriorYear
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	12376141	ProgramServiceRevenuePriorYear
Program Service Revenue CY	11465492	ProgramServiceRevenueCY
Investment Income Prior Year	1735562	InvestmentIncomePriorYear
Investment Income Current Year	1907045	InvestmentIncomeCurrentYear
Other Revenue Prior Year	10595606	OtherRevenuePriorYear
Other Revenue Current Year	11324251	OtherRevenueCurrentYear
Total Revenue Prior Year	24707309	TotalRevenuePriorYear
Total Revenue Current Year	24696788	TotalRevenueCurrentYear
Grants And Similar Amnts Prior Year	9000	GrantsAndSimilarAmntsPriorYear
Grants And Similar Amnts CY	5000	GrantsAndSimilarAmntsCY
Benefits Paid To Members Prior Year	3377192	BenefitsPaidToMembersPriorYear
Benefits Paid To Members CY	3364158	BenefitsPaidToMembersCY
Salaries Etc Prior Year	7050180	SalariesEtcPriorYear
Salaries Etc Current Year	7210598	SalariesEtcCurrentYear
Total Prof Fundrsng Exp Prior Year	0	TotalProfFundrsngExpPriorYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	11851530	OtherExpensePriorYear
Other Expenses Current Year	12293015	OtherExpensesCurrentYear
Total Expenses Prior Year	22287902	TotalExpensesPriorYear
Total Expenses Current Year	22872771	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	2419407	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	1824017	RevenuesLessExpensesCY
Total Assets BOY	301619150	TotalAssetsBOY
Total Assets EOY	313776030	TotalAssetsEOY
Total Liabilities BOY	275159643	TotalLiabilitiesBOY
Total Liabilities EOY	285316664	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	26459507	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	28459366	NetAssetsOrFundBalancesEOY
Mission Description	Provide financial services within the communities defined in our charter	MissionDescription
Significant New Program Services	0	SignificantNewProgramServices
Significant Change	0	SignificantChange
Expense	3277890	Expense
Grants	0	Grants
Revenue	11465492	Revenue
Description	Loans to members	Description

Activity2 Activity2

Field	Value	IRS element (for citing)
Expense	3364158	Expense
Grants	0	Grants
Revenue	11324251	Revenue
Description	Member deposits	Description

Activity3 Activity3

Field	Value	IRS element (for citing)
Expense	37982	Expense
Grants	0	Grants
Revenue	1907045	Revenue
Description	Investing activities	Description

Field	Value	IRS element (for citing)
Total Of Other Program Service Exp	0	TotalOfOtherProgramServiceExp
Total Of Other Program Service Grnt	0	TotalOfOtherProgramServiceGrnt
Total Of Other Program Service Rev	0	TotalOfOtherProgramServiceRev
Total Program Service Expense	6680030	TotalProgramServiceExpense
Described In501 C3	0	DescribedIn501C3
Schedule B Required	0	ScheduleBRequired
Political Activities	0	PoliticalActivities
Subject To Proxy Tax	0	SubjectToProxyTax
Donor Advised Funds	0	DonorAdvisedFunds
Conservation Easements	0	ConservationEasements
Collections Of Art	0	CollectionsOfArt
Credit Counseling	1	CreditCounseling
Term Or Permanent Endowments	0	TermOrPermanentEndowments
Report Land Bldg Equip	1	ReportLandBldgEquip
Report Invest Oth Securities	1	ReportInvestOthSecurities
Report Prog Rel Invest	0	ReportProgRelInvest
Report Other Assets	0	ReportOtherAssets
Report Other Liabilities	1	ReportOtherLiabilities
Report Fin48 Footnote	0	ReportFin48Footnote
Independent Audit Financial Stmt	1	IndependentAuditFinancialStmt
Consolidated Audit Financial Stmt	0	ConsolidatedAuditFinancialStmt
School	0	School
Foreign Office	0	ForeignOffice
Foreign Activities	0	ForeignActivities
More Than5000 K To Organizations	0	MoreThan5000KToOrganizations
More Than5000 K To Individuals	0	MoreThan5000KToIndividuals
Professional Fundraising	0	ProfessionalFundraising
Fundraising Activities	0	FundraisingActivities
Gaming	0	Gaming
Hospital	0	Hospital
Grants To Organizations	0	GrantsToOrganizations
Grants To Individuals	0	GrantsToIndividuals
Schedule J Required	1	ScheduleJRequired
Tax Exempt Bonds	0	TaxExemptBonds
Loan To Officer Or DQP	0	LoanToOfficerOrDQP
Grant To Related Person	0	GrantToRelatedPerson
Bsnss Rltnshp With Organization	0	BsnssRltnshpWithOrganization
Bsnss Rltnshp Thru Family Member	0	BsnssRltnshpThruFamilyMember
Officer Entity With Bsnss Rltnshp	0	OfficerEntityWithBsnssRltnshp
Deductible Non Cash Contributions	0	DeductibleNonCashContributions
Deductible Contributions Of Art	0	DeductibleContributionsOfArt
Terminated	0	Terminated
Partial Liquidation	0	PartialLiquidation
Disregarded Entity	0	DisregardedEntity
Related Entity	0	RelatedEntity
Related Org Controlled Entity	0	RelatedOrgControlledEntity
Activities Conducted Partnership	0	ActivitiesConductedPartnership
Schedule O Required	1	ScheduleORequired
Number Forms Transmitted With1096	0	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	1	ComplianceWithBackupWitholding
Number Of Employees	150	NumberOfEmployees
Employment Tax Returns Filed	1	EmploymentTaxReturnsFiled
Unrelated Business Income	1	UnrelatedBusinessIncome
Form990-T Filed	1	Form990-TFiled
Foreign Financial Account	0	ForeignFinancialAccount
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTrans
Taxable Party Notification	0	TaxablePartyNotification
Non Deductible Contributions	0	NonDeductibleContributions
Indoor Tanning Services	0	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	0	FamilyOrBusinessRelationship
Delegation Of Management Duties	0	DelegationOfManagementDuties
Changes To Organizing Docs	0	ChangesToOrganizingDocs
Material Diversion Or Misuse	0	MaterialDiversionOrMisuse
Members Or Stockholders	1	MembersOrStockholders
Election Of Board Members	1	ElectionOfBoardMembers
Decisions Subject To Approval	0	DecisionsSubjectToApproval
Minutes Of Governing Body	1	MinutesOfGoverningBody
Minutes Of Committees	1	MinutesOfCommittees
Officer Mailing Address	0	OfficerMailingAddress
Local Chapters	1	LocalChapters
Policies Reference Chapters	1	PoliciesReferenceChapters
Form990 Provided To Governing Body	0	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	1	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	1	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	1	RegularMonitoringEnforcement
Whistleblower Policy	1	WhistleblowerPolicy
Document Retention Policy	1	DocumentRetentionPolicy
Compensation Process CEO	1	CompensationProcessCEO
Compensation Process Other	1	CompensationProcessOther
Investment In Joint Venture	0	InvestmentInJointVenture
States Where Copy Of Return Is Filed	TX	StatesWhereCopyOfReturnIsFiled
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Field	Value	IRS element (for citing)
Name Person	Tami Shanafelt	NamePerson
Telephone Number	2147489393	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	Po Box 803476	AddressLine1
City	Dallas	City
State	TX	State
ZIP Code	75380	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (14 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Average Hours Per Week RelatedAverageHoursPerWeekRelated	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	Key EmployeeKeyEmployee	Highest Compensated EmployeeHighestCompensatedEmployee
Mae Carolyn Mathis
Board Member	0	0	X	0	0	0
Calvin Phillips
Board Member	0	0	X	0	0	0
David Davis
Board Member	0	0	X	0	0	0
Clarissa Salas
Board Member	0	0	X	0	0	0
Arthur Young
Board Member	0	0	X	0	0	0
Dwayne Boozer
Board Member	0	0	X	0	0	0
Jimmy Slayton
Board Member	0	0	X	0	0	0
Dwain Woodard
Board Member	0	0	X	0	0	0
Gerald Townsend
Board Member/President	0	0	X	0	0	0
Chester B Kimmell
Chief Executive Officer/President	40	0		321649	0	321649	X	X
Joel M Risenhoover
Vice President Neighborhood Financial Services	40	0		221010	0	221010		X
James Frankeberger
Chief Financial Officer	40	0		166589	0	166589		X
Carolyn Jordan
Senior VP, Retail Services and Development	40	0		150568	0	150568		X
Yvonne B Schmitz
VP Information Systems	40	0		110366	0	110366		X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	970182	TotalReportableCompFromOrg
Total Reportable Comp Frm Rltd Orgs	0	TotalReportableCompFrmRltdOrgs
Total Other Compensation	970182	TotalOtherCompensation
Number Individuals GT100 K	5	NumberIndividualsGT100K
Formers Listed	0	FormersListed
Total Comp GT150 K	1	TotalCompGT150K
Compensation From Other Sources	0	CompensationFromOtherSources

Contractor Compensation ContractorCompensation (5 entries)

Address Line1AddressOfContractor/AddressUS/AddressLine1	CityAddressOfContractor/AddressUS/City	StateAddressOfContractor/AddressUS/State	ZIP CodeAddressOfContractor/AddressUS/ZIPCode	Description Of ServicesDescriptionOfServices	CompensationCompensation	Business Name Line2NameOfContractor/NameBusiness/BusinessNameLine2
Fiserv
75 Remittance Dr Ste 6974	Chicago	IL	60675	Network Maintenence	737975
Health Care Service Corporation
PO Box 731428	Dallas	TX	75373	Health Insurance	449352	Blue Cross Blue Shield
Bancvue
PO Box 527	Lubbock	TX	79408	Service Checking Accounts	611864
SouthWest Business Corporation
9311 San Pedro ste 600	San Antonio	TX	78216	insurance services	490507
Digital Insight
POB 515306	Los Angeles	CA	90051	software service provider	346347

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	0	NumberOfContractorsGT100K
Total Contributions	0	TotalContributions

Program Service Revenue ProgramServiceRevenue

Field	Value	IRS element (for citing)
Description	Lending activities	Description
Business Code	522130	BusinessCode
Total Revenue Column	11465492	TotalRevenueColumn
Related Or Exempt Function Income	11465492	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Total Oth Program Service Revenue TotalOthProgramServiceRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn
Related Or Exempt Function Income	0	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Field	Value	IRS element (for citing)
Total Program Service Revenue	11465492	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	1907045	TotalRevenueColumn
Related Or Exempt Function Income	1907045	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Income From Invest Bond Proceeds IncomeFromInvestBondProceeds

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn
Related Or Exempt Function Income	0	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Royalties Revenue RoyaltiesRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	41189	TotalRevenueColumn
Related Or Exempt Function Income	41189	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Gross Rents GrossRents

Field	Value	IRS element (for citing)
Real	0	Real
Personal	0	Personal

Less Rental Expenses LessRentalExpenses

Field	Value	IRS element (for citing)
Real	0	Real
Personal	0	Personal

Rental Income Or Loss RentalIncomeOrLoss

Field	Value	IRS element (for citing)
Real	0	Real
Personal	0	Personal

Net Rental Income Or Loss NetRentalIncomeOrLoss

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn
Related Or Exempt Function Income	0	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Securities	0	Securities
Other	0	Other

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Securities	0	Securities
Other	0	Other

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Securities	0	Securities
Other	0	Other

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn
Related Or Exempt Function Income	0	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Field	Value	IRS element (for citing)
Gross Income Fundraising Events	0	GrossIncomeFundraisingEvents
Cntrbtns Rprtd Fundraising Events	0	CntrbtnsRprtdFundraisingEvents
Fundraising Direct Expenses	0	FundraisingDirectExpenses

Net Income From Fundraising Events NetIncomeFromFundraisingEvents

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Field	Value	IRS element (for citing)
Gross Income Gaming	0	GrossIncomeGaming
Gaming Direct Expenses	0	GamingDirectExpenses

Net Income From Gaming NetIncomeFromGaming

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn
Related Or Exempt Function Income	0	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Field	Value	IRS element (for citing)
Gross Sales Of Inventory	0	GrossSalesOfInventory
Cost Of Goods Sold	0	CostOfGoodsSold

Net Income Or Loss NetIncomeOrLoss

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn
Related Or Exempt Function Income	0	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Other Revenue Misc OtherRevenueMisc (3 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	ExclusionExclusionAmount
Neighborhood Financial Services	522130	519574	519574	$0
Insurance Products	522130	342035	342035	$0
Overdraft Protection	522130	5732009	5732009	$0

Miscellaneous Revenue MiscellaneousRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	4689444	TotalRevenueColumn
Related Or Exempt Function Income	4689444	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Field	Value	IRS element (for citing)
Total Other Revenue	11283062	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	24696788	TotalRevenueColumn
Related Or Exempt Function Income	24696788	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

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	5000	Total

Foreign Grants ForeignGrants

Field	Value	IRS element (for citing)
Total	0	Total

Benefits To Members BenefitsToMembers

Field	Value	IRS element (for citing)
Total	3364158	Total

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	970182	Total

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	4620412	Total

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	213279	Total

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	952205	Total

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	454520	Total

Fees For Services Management FeesForServicesManagement

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	25300	Total

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	12702	Total

Fees For Services Lobbying FeesForServicesLobbying

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Prof Fundraising FeesForServicesProfFundraising

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Invst Mgmnt Fees FeesForServicesInvstMgmntFees

Field	Value	IRS element (for citing)
Total	37982	Total

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	310035	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	814182	Total

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	1376303	Total

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	2185227	Total

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	912997	Total

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	229588	Total

Interest Interest

Field	Value	IRS element (for citing)
Total	0	Total

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	1120530	Total

Insurance Insurance

Field	Value	IRS element (for citing)
Total	176441	Total

Other Expenses OtherExpenses (3 entries)

DescriptionDescription	TotalTotal
Provision Expense	2806524
Loan Servicing	471066
NCUSIF premium assessment	177000

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	1637138	Total

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	22872771	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	27201907	BOY
EOY	24850710	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Pledges And Grants Receivable PledgesAndGrantsReceivable

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	296534	BOY
EOY	120732	EOY

Receivables From Officers Etc ReceivablesFromOfficersEtc

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Receivables From Disqual Persons ReceivablesFromDisqualPersons

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	172891900	BOY
EOY	163509140	EOY

Inventories For Sale Or Use InventoriesForSaleOrUse

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	597250	BOY
EOY	922870	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	27599409	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	10187331	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	14474497	BOY
EOY	17412078	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	45388758	BOY
EOY	53390080	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
BOY	31888000	BOY
EOY	44665000	EOY

Investments Program Related InvestmentsProgramRelated

Field	Value	IRS element (for citing)
BOY	0	BOY

Intangible Assets IntangibleAssets

Field	Value	IRS element (for citing)
BOY	0	BOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	8880304	BOY
EOY	8905420	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	301619150	BOY
EOY	313776030	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	3569437	BOY
EOY	4025252	EOY

Grants Payable GrantsPayable

Field	Value	IRS element (for citing)
BOY	0	BOY

Deferred Revenue DeferredRevenue

Field	Value	IRS element (for citing)
BOY	0	BOY

Tax Exempt Bond Liabilities TaxExemptBondLiabilities

Field	Value	IRS element (for citing)
BOY	0	BOY

Escrow Account Liability EscrowAccountLiability

Field	Value	IRS element (for citing)
BOY	35558	BOY
EOY	52733	EOY

Mort Notes Pybl Secured Invest Prop MortNotesPyblSecuredInvestProp

Field	Value	IRS element (for citing)
BOY	0	BOY

Unsecured Notes Loans Payable UnsecuredNotesLoansPayable

Field	Value	IRS element (for citing)
BOY	0	BOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	271554648	BOY
EOY	281238679	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	275159643	BOY
EOY	285316664	EOY

Field	Value	IRS element (for citing)
Follow SFAS117	X	FollowSFAS117

Unrestricted Net Assets UnrestrictedNetAssets

Field	Value	IRS element (for citing)
BOY	26459507	BOY
EOY	28459366	EOY

Temporarily Restricted Net Assets TemporarilyRestrictedNetAssets

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Permanently Restricted Net Assets PermanentlyRestrictedNetAssets

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	26459507	BOY
EOY	28459366	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	301619150	BOY
EOY	313776030	EOY

Field	Value	IRS element (for citing)
Reconcilation Revenue Expenses	1824017	ReconcilationRevenueExpenses
Reconciliation Unrealized Invest	175842	ReconciliationUnrealizedInvest
Reconcilation Donated Services	0	ReconcilationDonatedServices
Reconcilation Invest Expenses	0	ReconcilationInvestExpenses
Reconcilation Prior Adjustment	0	ReconcilationPriorAdjustment
Reconcilation Other Changes	0	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	0	AccountantCompileOrReview
FS Audited	1	FSAudited

FS Audited Basis FSAuditedBasis

Field	Value	IRS element (for citing)
Financial Statement Separate	X	FinancialStatementSeparate

Field	Value	IRS element (for citing)
Audit Committee	1	AuditCommittee
Federal Grant Audit Required	0	FederalGrantAuditRequired

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	0	AgentTrusteeEtc
Included On FS	1	IncludedOnFS
Explanation In Part XIII	X	ExplanationInPartXIII

Land Land

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	0	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	5118163	OtherCostOrOtherBasis
Book Value	5118163	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	0	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	14336239	OtherCostOrOtherBasis
Depreciation	4830364	Depreciation
Book Value	9505875	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	0	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	1033602	OtherCostOrOtherBasis
Depreciation	681031	Depreciation
Book Value	352571	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	0	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	7111405	OtherCostOrOtherBasis
Depreciation	4675936	Depreciation
Book Value	2435469	BookValue

Other Land Buildings OtherLandBuildings

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	0	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	0	OtherCostOrOtherBasis
Depreciation	0	Depreciation
Book Value	0	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	17412078	TotalOfBookValueLandBuildings

Financial Derivatives FinancialDerivatives

Field	Value	IRS element (for citing)
Book Value	44665000	BookValue
Method Of Valuation	C	MethodOfValuation

Field	Value	IRS element (for citing)
Total Of Book Value Securities	44665000	TotalOfBookValueSecurities
Federal Income Tax Liability	0	FederalIncomeTaxLiability

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
Description	Member deposits	Description
Amount	$281,238,679	Amount

Field	Value	IRS element (for citing)
Total Of Amounts	281238679	TotalOfAmounts
Tot Revenue Etc Audited Fincl Stmt	24696788	TotRevenueEtcAuditedFinclStmt
Net Unrealized Gains Investments	0	NetUnrealizedGainsInvestments
Donated Srvc And Use Of Facilities	0	DonatedSrvcAndUseOfFacilities
Recoveries Of Prior Year Grants	0	RecoveriesOfPriorYearGrants
Other Revenues	0	OtherRevenues
Revenue Not Rptd F990	0	RevenueNotRptdF990
Revenue Subtotal	24696788	RevenueSubtotal
Investment Expenses Not Included	0	InvestmentExpensesNotIncluded
Other Revenues Not Included	0	OtherRevenuesNotIncluded
Revenue Not Rptd On Fin Stmt	0	RevenueNotRptdOnFinStmt
Total Revenue Per Form990	24696788	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	22872771	TotExpensesEtcAuditedFinclStmt
Donated Services Use Of Facilities	0	DonatedServicesUseOfFacilities
Prior Year Adjustments	0	PriorYearAdjustments
Losses Reported	0	LossesReported
Other Expenses Included	0	OtherExpensesIncluded
Expenses Not Rptd F990	0	ExpensesNotRptdF990
Expenses Subtotal	22872771	ExpensesSubtotal
Investment Expenses Not Included2	0	InvestmentExpensesNotIncluded2
Other Expenses Not Included	0	OtherExpensesNotIncluded
Expenses Not Rptd On Fin Stmt	0	ExpensesNotRptdOnFinStmt
Total Expenses Per Form990	22872771	TotalExpensesPerForm990

Form990 Schedule D Part XIII Form990ScheduleDPartXIII

Field	Value	IRS element (for citing)
Identifier	SchD_P04_S00_L02b	Identifier
Return Reference	Schedule D, Part IV, Line 2b	ReturnReference
Explanation	Credit Union services member mortgages and holds the escrow funds for annual expenses for said mortgages.	Explanation

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Survey	X	CompensationSurvey
Severance Payment	0	SeverancePayment
Supplemental Nonqual Retire Plan	0	SupplementalNonqualRetirePlan
Equity Based Comp Arrangement	0	EquityBasedCompArrangement

Form990 Schedule J Part II Form990ScheduleJPartII (5 entries)

TitleTitle	Base Compensation Filing OrgBaseCompensationFilingOrg	Comp Based On Related OrgsCompBasedOnRelatedOrgs	Bonus Filing OrgBonusFilingOrg	Bonus Related OrgsBonusRelatedOrgs	Other Compensation Filing OrgOtherCompensationFilingOrg	Other Compensation Related OrgsOtherCompensationRelatedOrgs	Deferred Comp Filing OrgDeferredCompFilingOrg	Deferred Comp Related OrgsDeferredCompRelatedOrgs	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrg	Nontaxable Benefits Related OrgsNontaxableBenefitsRelatedOrgs	Total Compensation Filing OrgTotalCompensationFilingOrg	Total Compensation Related OrgsTotalCompensationRelatedOrgs	Comp Report Prior990 Related OrgsCompReportPrior990RelatedOrgs
Chester B Kimmell
Chief Executive Officer/President	264742	0	25178	0	0	0	22500	0	0	0	312420	0	0
James Frankeberger
Chief Financial Officer	148096	0	24588	0	8050	0	5728	0	0	0	186462	0	0
Joel M Risenhoover
Vice President Neighborhood Financial Services	50003	0	157955	0	6100	0	6781	0	0	0	220839	0	0
Carolyn Jordan
Senior VP, Retail Services and Development	123802	0	21282	0	8050	0	16580	0	0	0	169714	0	0
Yvonne B Schmitz
VP Information Systems	107141	0	13180	0	900	0	7196	0	0	0	128417	0	0

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (6 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
F990_P06_S0A_L06	Form 990, Part VI, Section A, Line 6	Credit Union 501(c)(14) entity has members as owners of entity
F990_P06_S0A_L07a	Form 990, Part VI, Section A, Line 7a	Board of Directors are all elected through membership at the annual meeting per bylaws
F990_P06_S0B_L11b	Form 990, Part VI, Section B, Line 11b	All aspects of financials are reviewed with Board monthly and approved. The 990 is made available upon request.
F990_P06_S0B_L12c	Form 990, Part VI, Section B, Line 12c	Internal audit on staff
F990_P06_S0B_L15	Form 990, Part VI, Section B, Line 15	Third party provider reviews all job descriptions and makes recommendations as to compensation
F990_P06_S0C_L19	Form 990, Part VI, Section C, Line 19	Upon formal written request. We display financials in each branch locations and we file a quarterly 5300 report with NCUA that maitains public access.