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    <Timestamp>2012-08-09T14:56:31-07:00</Timestamp>
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    <TaxPeriodBeginDate>2011-01-01</TaxPeriodBeginDate>
    <Filer>
      <EIN>741142771</EIN>
      <Name>
        <BusinessNameLine1>LCRA CREDIT UNION</BusinessNameLine1>
      </Name>
      <NameControl>LCRA</NameControl>
      <Phone>5124741562</Phone>
      <USAddress>
        <AddressLine1>3701 Lake Austin Blvd</AddressLine1>
        <City>Austin</City>
        <State>TX</State>
        <ZIPCode>78703</ZIPCode>
      </USAddress>
    </Filer>
    <Officer>
      <Name>Tim Lane</Name>
      <Title>Executive VP</Title>
      <Phone>5124741562</Phone>
      <DateSigned>2012-05-21</DateSigned>
    </Officer>
    <TaxYear>2011</TaxYear>
    <BuildTS>2016-02-24 21:20:13Z</BuildTS>
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      </RetainedEarningsEndowmentEtc>
      <TotalNetAssetsFundBalances>
        <BOY>20562234</BOY>
        <EOY>21939008</EOY>
      </TotalNetAssetsFundBalances>
      <TotalLiabNetAssetsFundBalances>
        <BOY>20690158</BOY>
        <EOY>22092901</EOY>
      </TotalLiabNetAssetsFundBalances>
      <InfoInScheduleOPartXI>X</InfoInScheduleOPartXI>
      <ReconcilationRevenueExpenses>45977</ReconcilationRevenueExpenses>
      <ReconcilationOtherChanges>1330797</ReconcilationOtherChanges>
      <MethodOfAccountingAccrual>X</MethodOfAccountingAccrual>
      <AccountantCompileOrReview>1</AccountantCompileOrReview>
      <FSAudited>0</FSAudited>
      <AuditCommittee>1</AuditCommittee>
      <FinancialStatementSeparate>X</FinancialStatementSeparate>
      <FederalGrantAuditRequired>0</FederalGrantAuditRequired>
    </IRS990>
    <IRS990ScheduleD documentId="R000002" softwareId="11000129" softwareVersion="v1.00">
      <Land>
        <InvestmentCostOrOtherBasis>0</InvestmentCostOrOtherBasis>
        <OtherCostOrOtherBasis>0</OtherCostOrOtherBasis>
        <BookValue>0</BookValue>
      </Land>
      <Buildings>
        <InvestmentCostOrOtherBasis>0</InvestmentCostOrOtherBasis>
        <OtherCostOrOtherBasis>0</OtherCostOrOtherBasis>
        <Depreciation>0</Depreciation>
        <BookValue>0</BookValue>
      </Buildings>
      <LeaseholdImprovements>
        <InvestmentCostOrOtherBasis>47849</InvestmentCostOrOtherBasis>
        <OtherCostOrOtherBasis>0</OtherCostOrOtherBasis>
        <Depreciation>45247</Depreciation>
        <BookValue>2602</BookValue>
      </LeaseholdImprovements>
      <Equipment>
        <InvestmentCostOrOtherBasis>208548</InvestmentCostOrOtherBasis>
        <OtherCostOrOtherBasis>0</OtherCostOrOtherBasis>
        <Depreciation>182677</Depreciation>
        <BookValue>25871</BookValue>
      </Equipment>
      <OtherLandBuildings>
        <InvestmentCostOrOtherBasis>0</InvestmentCostOrOtherBasis>
        <OtherCostOrOtherBasis>0</OtherCostOrOtherBasis>
        <Depreciation>0</Depreciation>
        <BookValue>0</BookValue>
      </OtherLandBuildings>
      <TotalOfBookValueLandBuildings>28473</TotalOfBookValueLandBuildings>
      <InvestmentsProgramRelated>
        <Description>Federally Insured Time Certificates</Description>
        <BookValue>5704000</BookValue>
        <MethodOfValuation>C</MethodOfValuation>
      </InvestmentsProgramRelated>
      <TotalOfBookValueProgramRelated>5704000</TotalOfBookValueProgramRelated>
    </IRS990ScheduleD>
    <IRS990ScheduleL documentId="R000003" softwareId="11000129" softwareVersion="v1.00">
      <LoanTable>
        <NamePerson>Ben Hayes</NamePerson>
        <PurposeOfLoan>auto loan</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>11493</OriginalPrincipalAmount>
        <BalanceDue>5991</BalanceDue>
        <Default>0</Default>
        <ApprovedByBoard>1</ApprovedByBoard>
        <WrittenAgreement>1</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>Ben Hayes</NamePerson>
        <PurposeOfLoan>Credit Card</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>15000</OriginalPrincipalAmount>
        <BalanceDue>904</BalanceDue>
        <Default>0</Default>
        <ApprovedByBoard>1</ApprovedByBoard>
        <WrittenAgreement>1</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>Fred Lamoreaux</NamePerson>
        <PurposeOfLoan>auto loan</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>22336</OriginalPrincipalAmount>
        <BalanceDue>16072</BalanceDue>
        <Default>0</Default>
        <ApprovedByBoard>1</ApprovedByBoard>
        <WrittenAgreement>1</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>Fred Lamoreaux</NamePerson>
        <PurposeOfLoan>Credit Card</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>15000</OriginalPrincipalAmount>
        <BalanceDue>585</BalanceDue>
        <Default>0</Default>
        <ApprovedByBoard>1</ApprovedByBoard>
        <WrittenAgreement>1</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>Betty Mueller</NamePerson>
        <PurposeOfLoan>loan secured by Time Certificate</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>61275</OriginalPrincipalAmount>
        <BalanceDue>53997</BalanceDue>
        <Default>0</Default>
        <ApprovedByBoard>1</ApprovedByBoard>
        <WrittenAgreement>1</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>Betty Mueller</NamePerson>
        <PurposeOfLoan>Credit Card</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>15000</OriginalPrincipalAmount>
        <BalanceDue>14607</BalanceDue>
        <Default>0</Default>
        <ApprovedByBoard>1</ApprovedByBoard>
        <WrittenAgreement>1</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>Jimmy Powell</NamePerson>
        <PurposeOfLoan>Credit Card</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>10000</OriginalPrincipalAmount>
        <BalanceDue>473</BalanceDue>
        <Default>0</Default>
        <ApprovedByBoard>1</ApprovedByBoard>
        <WrittenAgreement>1</WrittenAgreement>
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      <TotalBalanceDue>92629</TotalBalanceDue>
    </IRS990ScheduleL>
    <IRS990ScheduleO documentId="R000004" softwareId="11000129" softwareVersion="v1.00">
      <GeneralExplanation>
        <Identifier>F990_P06_S0A_L06</Identifier>
        <ReturnReference>Form 990, Part VI, Section A, Line 6</ReturnReference>
        <Explanation>The organization has members</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P06_S0A_L07a</Identifier>
        <ReturnReference>Form 990, Part VI, Section A, Line 7a</ReturnReference>
        <Explanation>The general membership elects members for the governing body.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P06_S0A_L07b</Identifier>
        <ReturnReference>Form 990, Part VI, Section A, Line 7b</ReturnReference>
        <Explanation>Any mergers must be approved by the general membership.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P06_S0B_L11b</Identifier>
        <ReturnReference>Form 990, Part VI, Section B, Line 11b</ReturnReference>
        <Explanation>A copy of the 990 return was given to each director for their review and discussion at the Board of Directors meeting prior to filing the return.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P06_S0B_L15</Identifier>
        <ReturnReference>Form 990, Part VI, Section B, Line 15</ReturnReference>
        <Explanation>Peer group surveys were reviewed for all positions in 2011. The Executive Board Committee reviewed the President's postion, and the President reviewed all other positions.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P06_S0C_L19</Identifier>
        <ReturnReference>Form 990, Part VI, Section C, Line 19</ReturnReference>
        <Explanation>All governing documents that are required to be made public are available to the general membership by request, by bulletin board displays at each branch, or on the Credit Union website.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P11_S00_L05</Identifier>
        <ReturnReference>Form 990, Part XI, Line 5</ReturnReference>
        <Explanation>Increse in share, checking, and certificate accounts</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>