NEIGHBORHOOD CREDIT UNION: Form 990, tax year 2011

View the entire original 990 at ProPublica ↗

Organization: NEIGHBORHOOD CREDIT UNION (EIN 75-0224670)
Tax period: 2011-01-01 to 2011-12-31
Filed: 2012-05-15
IRS object ID: 201201369349307190
Schema version: 2011v1.2
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 I
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2012-05-15T16:44:10-07:00	Timestamp
Tax Period End Date	2011-12-31	TaxPeriodEndDate
Return Type	990	ReturnType
Tax Period Begin Date	2011-01-01	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	2012-04-25	DateSigned

Field	Value	IRS element (for citing)
Tax Year	2011	TaxYear
Build TS	2016-02-24 21:20:13Z	BuildTS

Form 990 IRS990

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

Address Principal Officer US AddressPrincipalOfficerUS

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

Field	Value	IRS element (for citing)
Gross Receipts	24707309	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	0	TotalNbrEmployees
Total Nbr Volunteers	107	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	11341153	ProgramServiceRevenuePriorYear
Program Service Revenue CY	12376141	ProgramServiceRevenueCY
Investment Income Prior Year	2232046	InvestmentIncomePriorYear
Investment Income Current Year	1735562	InvestmentIncomeCurrentYear
Other Revenue Prior Year	9515396	OtherRevenuePriorYear
Other Revenue Current Year	10595606	OtherRevenueCurrentYear
Total Revenue Prior Year	23088595	TotalRevenuePriorYear
Total Revenue Current Year	24707309	TotalRevenueCurrentYear
Grants And Similar Amnts Prior Year	10450	GrantsAndSimilarAmntsPriorYear
Grants And Similar Amnts CY	9000	GrantsAndSimilarAmntsCY
Benefits Paid To Members Prior Year	3658142	BenefitsPaidToMembersPriorYear
Benefits Paid To Members CY	3377192	BenefitsPaidToMembersCY
Salaries Etc Prior Year	6998076	SalariesEtcPriorYear
Salaries Etc Current Year	7050180	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	10550562	OtherExpensePriorYear
Other Expenses Current Year	11851530	OtherExpensesCurrentYear
Total Expenses Prior Year	21217230	TotalExpensesPriorYear
Total Expenses Current Year	22287902	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	1871365	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	2419407	RevenuesLessExpensesCY
Total Assets BOY	271562945	TotalAssetsBOY
Total Assets EOY	301619150	TotalAssetsEOY
Total Liabilities BOY	247563278	TotalLiabilitiesBOY
Total Liabilities EOY	275159643	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	23999667	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	26459507	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	0	Expense
Grants	0	Grants
Revenue	12376141	Revenue
Description	Lending Services	Description

Activity2 Activity2

Field	Value	IRS element (for citing)
Expense	17993	Expense
Grants	0	Grants
Revenue	1735562	Revenue
Description	Investing	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	17993	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	1	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	1	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
Transaction Related Entity	0	TransactionRelatedEntity
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	0	NumberOfEmployees
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	1	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	1	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	1	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	1	RegularMonitoringEnforcement
Whistleblower Policy	0	WhistleblowerPolicy
Document Retention Policy	1	DocumentRetentionPolicy
Compensation Process CEO	1	CompensationProcessCEO
Compensation Process Other	1	CompensationProcessOther
Investment In Joint Venture	0	InvestmentInJointVenture
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	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer	Key EmployeeKeyEmployee	Highest Compensated EmployeeHighestCompensatedEmployee
Mae Carolyn Mathis
Board Member	0	X	0	0	0
Calvin Phillips
Board Member	0	X	0	0	0
David Davis
Board Member	0	X	0	0	0
Clarissa Salas
Board Member	0	X	0	0	0
Arthur Young
Board Member	0	X	0	0	0
Dwayne Boozer
Board Member	0	X	0	0	0
Jimmy Slayton
Board Member	0	X	0	0	0
Dwain Woodard
Board Member	0	X	0	0	0
Gerald Townsend
Board Member/President	0	X	0	0	0
Chester B Kimmell
Chief Executive Officer/President	40		306187	0	306187	X	X	X
Joel M Risenhoover
Vice President Neighborhood Financial Services	40		233619	0	223619	X		X
James Frankeberger
Chief Financial Officer	40		161541	0	161541	X		X
Carolyn Jordan
Senior VP, Retail Services and Development	40		146189	0	146189	X		X
Todd A Beasley
Senior VP, Lending and Collections	40		128791	0	128791	X		X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	976327	TotalReportableCompFromOrg
Total Reportable Comp Frm Rltd Orgs	0	TotalReportableCompFrmRltdOrgs
Total Other Compensation	966327	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	Address Line2AddressOfContractor/AddressUS/AddressLine2
Fiserv
75 Remittance Dr Ste 6974	Chicago	IL	60675	Network Maintenence	634796
Health Care Service Corporation
PO Box 731428	Dallas	TX	75373	Health Insurance	556525	Blue Cross Blue Shield
Bancvue
PO Box 527	Lubbock	TX	79408	Service Checking Accounts	505903
Digital Insight
PO Box 515306	Los Angeles	CA	90051	Online Services	301781
Level 5
2000 RIVEREDGE PKWAY	Atlanta	GA	30328	Strategic Consulting Services	280387		Suite 100

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	Description
Business Code	522130	BusinessCode
Total Revenue Column	12376141	TotalRevenueColumn
Related Or Exempt Function Income	12376141	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	12376141	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	1735562	TotalRevenueColumn
Related Or Exempt Function Income	1735562	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	33541	TotalRevenueColumn
Related Or Exempt Function Income	33541	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	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome
NFS	508436	508436
Courtesy Pay & Overdraft Protection	4967965	4967965
Insurance Products	258468	258468

Miscellaneous Revenue MiscellaneousRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	4827196	TotalRevenueColumn
Related Or Exempt Function Income	4827196	RelatedOrExemptFunctionIncome

Field	Value	IRS element (for citing)
Total Other Revenue	10562065	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	24707309	TotalRevenueColumn
Related Or Exempt Function Income	24707309	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	9000	Total

Benefits To Members BenefitsToMembers

Field	Value	IRS element (for citing)
Total	3377192	Total

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	976327	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	4449383	Total

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	211088	Total

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	991953	Total

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	421429	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	23253	Total

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	46644	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	17993	Total

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	299995	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	713315	Total

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	1347733	Total

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	2524785	Total

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	926351	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	355882	Total

Interest Interest

Field	Value	IRS element (for citing)
Total	129	Total

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	1161859	Total

Insurance Insurance

Field	Value	IRS element (for citing)
Total	175017	Total

Other Expenses OtherExpenses (3 entries)

DescriptionDescription	TotalTotal
Provision for Loan Loss	2904232
Loan Servicing	483702
NCUA Premium Assessment	594119

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	276521	Total

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	22287902	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	6733146	BOY
EOY	27201907	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	120909	BOY
EOY	296534	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	187852626	BOY
EOY	172891900	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	492352	BOY
EOY	597250	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	23547835	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	9073338	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	14312619	BOY
EOY	14474497	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	37967306	BOY
EOY	45388758	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
BOY	15165000	BOY
EOY	31888000	EOY

Investments Program Related InvestmentsProgramRelated

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

Intangible Assets IntangibleAssets

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

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	8918987	BOY
EOY	8880304	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	271562945	BOY
EOY	301619150	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	2673595	BOY
EOY	3569437	EOY

Grants Payable GrantsPayable

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

Deferred Revenue DeferredRevenue

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

Tax Exempt Bond Liabilities TaxExemptBondLiabilities

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

Escrow Account Liability EscrowAccountLiability

Field	Value	IRS element (for citing)
BOY	32605	BOY
EOY	35558	EOY

Mort Notes Pybl Secured Invest Prop MortNotesPyblSecuredInvestProp

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

Unsecured Notes Loans Payable UnsecuredNotesLoansPayable

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

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	244857078	BOY
EOY	271554648	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	247563278	BOY
EOY	275159643	EOY

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

Unrestricted Net Assets UnrestrictedNetAssets

Field	Value	IRS element (for citing)
BOY	23999667	BOY
EOY	26459507	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	23999667	BOY
EOY	26459507	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	271562945	BOY
EOY	301619150	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	2419407	ReconcilationRevenueExpenses
Reconcilation Other Changes	40433	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	1	AccountantCompileOrReview
FS Audited	1	FSAudited
Audit Committee	1	AuditCommittee
Financial Statement Separate	X	FinancialStatementSeparate
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

Land Land

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	0	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	3988964	OtherCostOrOtherBasis
Book Value	3988964	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	0	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	12544219	OtherCostOrOtherBasis
Depreciation	4352846	Depreciation
Book Value	8191373	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	546670	Depreciation
Book Value	486932	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	0	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	5981050	OtherCostOrOtherBasis
Depreciation	4173822	Depreciation
Book Value	1807228	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	14474497	TotalOfBookValueLandBuildings

Other Securities OtherSecurities (2 entries)

DescriptionDescription	Book ValueBookValue	Method Of ValuationMethodOfValuation
Certificate of Deposit	29008000	C
Town North Bank	2880000	C

Field	Value	IRS element (for citing)
Total Of Book Value Securities	31888000	TotalOfBookValueSecurities

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
Description	Membership Deposit	Description
Amount	$271,554,648	Amount

Field	Value	IRS element (for citing)
Total Of Amounts	271554648	TotalOfAmounts
Total Revenue	24707309	TotalRevenue
Total Expenses	22287902	TotalExpenses
Excess Or Deficit For Year	2419407	ExcessOrDeficitForYear
Net Unrealized GL On Investments	0	NetUnrealizedGLOnInvestments
Donated Services And Facilities	0	DonatedServicesAndFacilities
Investment Expenses	17993	InvestmentExpenses
Prior Period Adjustments	0	PriorPeriodAdjustments
Other	$0	OtherAmount
Total Adjustments	17993	TotalAdjustments
Excess Or Deficit Per FS	2437400	ExcessOrDeficitPerFS
Tot Revenue Etc Audited Fincl Stmt	24707309	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	24707309	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	24707309	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	22287902	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	22287902	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	22287902	TotalExpensesPerForm990

Form990 Schedule D Part XIV Form990ScheduleDPartXIV (2 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
SchD_P04_S00_L02b	Schedule D, Part IV, Line 2b	Custodial accounts for escrow on in house mortgages
SchD_P10_S00_L02	Schedule D, Part X, Line 2	Membership deposits

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Records Maintained	1	RecordsMaintained

Form990 Schedule I Part III Form990ScheduleIPartIII

Field	Value	IRS element (for citing)
Type Of Grant	(7) NCU scholarships (1) Member contest scholarship (1) Six Flags/ Hurricane Harbor	TypeOfGrant
Number Of Recipients	9	NumberOfRecipients
Amount Of Cash Grant	9000	AmountOfCashGrant

Form990 Schedule I Part IV Form990ScheduleIPartIV

Field	Value	IRS element (for citing)
Identifier	SchI_P01_S00_L02	Identifier
Return Reference	Schedule I, Part I, Line 2	ReturnReference
Explanation	Student must prove eligibility for the scholarships, proof of enrollment, current academic standing and GPA must be verified before funds are distributed to the student	Explanation

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Committee	X	CompensationCommittee
Independent Consultant	X	IndependentConsultant
Written Employment Contract	X	WrittenEmploymentContract
Compensation Survey	X	CompensationSurvey
Board Or Committee Approval	X	BoardOrCommitteeApproval
Severance Payment	0	SeverancePayment
Supplemental Nonqual Retire Plan	0	SupplementalNonqualRetirePlan
Equity Based Comp Arrangement	0	EquityBasedCompArrangement

Form990 Schedule J Part II Form990ScheduleJPartII (14 entries)

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 Filing OrgCompReportPrior990FilingOrg	Comp Report Prior990 Related OrgsCompReportPrior990RelatedOrgs
Mae Carolyn Mathis
0	0	0	0	0	0	0	0	0	0	0	0	0	0
Calvin Phillips
0	0	0	0	0	0	0	0	0	0	0	0	0	0
David Davis
0	0	0	0	0	0	0	0	0	0	0	0	0	0
Clarissa Salas
0	0	0	0	0	0	0	0	0	0	0	0	0	0
Arthur Young
0	0	0	0	0	0	0	0	0	0	0	0	0	0
Dwayne Boozer
0	0	0	0	0	0	0	0	0	0	0	0	0	0
Jimmy Slayton
0	0	0	0	0	0	0	0	0	0	0	0	0	0
Dwain Woodard
0	0	0	0	0	0	0	0	0	0	0	0	0	0
Gerald Townsend
0	0	0	0	0	0	0	0	0	0	0	0	0	0
Chester B Kimmell
264743	0	425	0	0	0	24289	0	0	0	289457	0		0
Joel M Risenhoover
50000	0	166234	0	6100	0	5672	0	0	0	228006	0		0
James Frankeberger
143430	0	23838	0	8050	0	5199	0	0	0	180517	0		0
Carolyn Jordan
119896	0	21526	0	8050	0	16130	0	0	0	165602	0		0
Todd A Beasley
112883	0	18338	0	900	0	6429	0	0	0	138550	0	0	0

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (7 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
F990_P06_S0A_L06	Form 990, Part VI, Section A, Line 6	All depository account holders are considered members of the credit union.
F990_P06_S0A_L07a	Form 990, Part VI, Section A, Line 7a	Members meet annually to vote on the board of directors
F990_P06_S0B_L11b	Form 990, Part VI, Section B, Line 11b	The CFO reviews prior to submission then senior managment including the CEO approves the final result
F990_P06_S0B_L12c	Form 990, Part VI, Section B, Line 12c	The CFO reviews prior to submission then senior management including the CEO approves the final result.
F990_P06_S0B_L15	Form 990, Part VI, Section B, Line 15	All positions are reviewed annually by a third party service provider
F990_P06_S0C_L19	Form 990, Part VI, Section C, Line 19	We display Balance Sheet and Income Statement each month within the branch. We disclose year to date financial results to members at the annual meeting.
F990_P11_S00_L05	Form 990, Part XI, Line 5	Investment valuation appreciation