ARIZONA CENTRAL CREDIT UNION: Form 990, tax year 2011

View the entire original 990 at ProPublica ↗

Organization: ARIZONA CENTRAL CREDIT UNION (EIN 86-0098350)
Tax period: 2011-01-01 to 2011-12-31
Filed: 2012-08-25
IRS object ID: 201202389349300400
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 J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2012-08-25T11:37:23-00:00	Timestamp
Tax Period End Date	2011-12-31	TaxPeriodEndDate

Preparer Firm PreparerFirm

Preparer Firm Business Name PreparerFirmBusinessName

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

Preparer Firm US Address PreparerFirmUSAddress

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

Field	Value	IRS element (for citing)
Return Type	990	ReturnType
Tax Period Begin Date	2011-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	860098350	EIN

Name Name

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

Field	Value	IRS element (for citing)
Name Control	ARIZ	NameControl
Phone	6022646421	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2020 N CENTRAL AVENUE Room No 1200	AddressLine1
City	PHOENIX	City
State	AZ	State
ZIP Code	85004	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	T PEARSON	Name
Title	CEO	Title
Date Signed	2012-08-24	DateSigned
Authorize Third Party	true	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	DOUGLAS ORTH	Name
Phone	3052328272	Phone

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

Form 990 IRS990

Name Of Principal Officer Business NameOfPrincipalOfficerBusiness

Field	Value	IRS element (for citing)
Business Name Line1	TODD A PEARSON	BusinessNameLine1

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	2020 N CENTRAL AVENUE	AddressLine1
City	PHOENIX	City
State	AZ	State
ZIP Code	85004	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	28911453	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
Group Exemption Number	2111	GroupExemptionNumber
Organization501c	X	Organization501c
Web Site	WWW.AZCENTRALCU.ORG	WebSite
Type Of Organization Other	X	TypeOfOrganizationOther
Type Of Org Other Description	CREDIT UNION	TypeOfOrgOtherDescription
Year Formation	1939	YearFormation
State Legal Domicile	AZ	StateLegalDomicile
Activity Or Mission Description	CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	6	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	6	NbrIndependentVotingMembers
Total Nbr Employees	232	TotalNbrEmployees
Total Nbr Volunteers	10	TotalNbrVolunteers
Total Gross UBI	61599	TotalGrossUBI
Net Unrelated Business Txbl Income	-106408	NetUnrelatedBusinessTxblIncome
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	22119230	ProgramServiceRevenuePriorYear
Program Service Revenue CY	18922788	ProgramServiceRevenueCY
Investment Income Prior Year	2732257	InvestmentIncomePriorYear
Investment Income Current Year	2099072	InvestmentIncomeCurrentYear
Other Revenue Prior Year	6082866	OtherRevenuePriorYear
Other Revenue Current Year	4843924	OtherRevenueCurrentYear
Total Revenue Prior Year	30934353	TotalRevenuePriorYear
Total Revenue Current Year	25865784	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	8554001	SalariesEtcPriorYear
Salaries Etc Current Year	7839779	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	22086060	OtherExpensePriorYear
Other Expenses Current Year	17125479	OtherExpensesCurrentYear
Total Expenses Prior Year	30640061	TotalExpensesPriorYear
Total Expenses Current Year	24965258	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	294292	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	900526	RevenuesLessExpensesCY
Total Assets BOY	404671302	TotalAssetsBOY
Total Assets EOY	395543331	TotalAssetsEOY
Total Liabilities BOY	375645281	TotalLiabilitiesBOY
Total Liabilities EOY	364984518	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	29026021	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	30558813	NetAssetsOrFundBalancesEOY
Mission Description	CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES.	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Description	THE CREDIT UNION PROVIDES DRAFT AND SHARE ACCOUNTS, CONSUMER LOANS, SHARE CERTIFICATES AND OTHER EXEMPT FUNCTION ACTIVITIES TO ITS MEMBERS.	Description
Described In501 C3	false	DescribedIn501C3
Schedule B Required	false	ScheduleBRequired
Political Activities	false	PoliticalActivities
Donor Advised Funds	false	DonorAdvisedFunds
Conservation Easements	false	ConservationEasements
Collections Of Art	false	CollectionsOfArt
Credit Counseling	false	CreditCounseling
Term Or Permanent Endowments	false	TermOrPermanentEndowments
Report Land Bldg Equip	true	ReportLandBldgEquip
Report Invest Oth Securities	false	ReportInvestOthSecurities
Report Prog Rel Invest	false	ReportProgRelInvest
Report Other Assets	false	ReportOtherAssets
Report Other Liabilities	true	ReportOtherLiabilities
Report Fin48 Footnote	true	ReportFin48Footnote
Independent Audit Financial Stmt	true	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
Transaction Related Entity	false	TransactionRelatedEntity
Activities Conducted Partnership	false	ActivitiesConductedPartnership
Schedule O Required	true	ScheduleORequired
Number Forms Transmitted With1096	11691	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	true	ComplianceWithBackupWitholding
Number Of Employees	232	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	6	NbrVotingGoverningBodyMembers
Number Independent Voting Members	6	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	true	DecisionsSubjectToApproval
Minutes Of Governing Body	true	MinutesOfGoverningBody
Minutes Of Committees	true	MinutesOfCommittees
Officer Mailing Address	false	OfficerMailingAddress
Local Chapters	false	LocalChapters
Form990 Provided To Governing Body	false	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	true	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	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
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Field	Value	IRS element (for citing)
Name Person	JOHN D WRIGHT	NamePerson
Telephone Number	6025238253	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	2020 N CENTRAL AVENUE SUITE 1200	AddressLine1
City	PHOENIX	City
State	AZ	State
ZIP Code	85004	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (9 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer
R WOLPERT
BOD CHAIRMAN	001.00	X	0	0	0
B RACZYNSKI
BOD V.CHAIRMAN	001.00	X	0	0	0
L PFEIFFER
TREASURER	001.00	X	0	0	0
K SHANAHAN
SECRETARY	001.00	X	0	0	0
J RIDDLE
BOD MEMBER	001.00	X	0	0	0
T DWYER
BOD MEMBER	001.00	X	0	0	0
T PEARSON
CEO	040.00		229521	0	18194	X
A JONES
CIO	040.00		124017	0	25106	X
J WRIGHT
CFO	040.00		129602	0	5331	X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	483140	TotalReportableCompFromOrg
Total Other Compensation	48631	TotalOtherCompensation
Number Individuals GT100 K	3	NumberIndividualsGT100K
Formers Listed	false	FormersListed
Total Comp GT150 K	true	TotalCompGT150K
Compensation From Other Sources	false	CompensationFromOtherSources

Contractor Compensation ContractorCompensation (5 entries)

Address Line1AddressOfContractor/AddressUS/AddressLine1	CityAddressOfContractor/AddressUS/City	StateAddressOfContractor/AddressUS/State	ZIP CodeAddressOfContractor/AddressUS/ZIPCode	Description Of ServicesDescriptionOfServices	CompensationCompensation
UNITED HEALTHCARE INSURANCE COMPANY
22561 NETWORK PLACE	CHICAGO	IL	60673	HEALTH INSURANCE	938442
DIGITAL INSIGHT
PO BOX 515306	LOS ANGELES	CA	90051	SYSTEMS SUPPORT	445465
XP SYSTEMS
75 REMITTANCE DR SUITE 6963	CHICAGO	IL	60675	SYSTEMS SUPPORT	345073
CENTURY LINK
PO BOX 29040	PHOENIX	AZ	85038	TELEPHONE SERVICE	338939
RND STRATEGIC MARKETING
2020 N CENTRAL AVE SUITE 1060	PHOENIX	AZ	85004	MARKETIN	263928

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	11	NumberOfContractorsGT100K

Program Service Revenue ProgramServiceRevenue (3 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	Unrelated Business RevenueUnrelatedBusinessRevenue
INTEREST ON LOANS	522100	14372755	14372755
FEES SERVICE CHARGES	522100	4488434	4488434
UNRELATED BUSINESS INCOME	900099	61599		61599

Field	Value	IRS element (for citing)
Total Program Service Revenue	18922788	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	1926034	TotalRevenueColumn
Related Or Exempt Function Income	1926034	RelatedOrExemptFunctionIncome

Gross Rents GrossRents

Field	Value	IRS element (for citing)
Real	2173284	Real

Rental Income Or Loss RentalIncomeOrLoss

Field	Value	IRS element (for citing)
Real	2173284	Real

Net Rental Income Or Loss NetRentalIncomeOrLoss

Field	Value	IRS element (for citing)
Total Revenue Column	2173284	TotalRevenueColumn
Related Or Exempt Function Income	2173284	RelatedOrExemptFunctionIncome

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Other	3218707	Other

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Other	3045669	Other

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Other	173038	Other

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	173038	TotalRevenueColumn

Other Revenue Misc OtherRevenueMisc

Field	Value	IRS element (for citing)
Description	MISCELLANEOUS INCOME	Description
Business Code	522100	BusinessCode
Total Revenue Column	2670640	TotalRevenueColumn
Related Or Exempt Function Income	2670640	RelatedOrExemptFunctionIncome

Field	Value	IRS element (for citing)
Total Other Revenue	2670640	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	25865784	TotalRevenueColumn
Related Or Exempt Function Income	25631147	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	61599	UnrelatedBusinessRevenue

Grants To Domestic Orgs GrantsToDomesticOrgs

Field	Value	IRS element (for citing)
Total	0	Total

Grants To Domestic Individuals GrantsToDomesticIndividuals

Field	Value	IRS element (for citing)
Total	0	Total

Foreign Grants ForeignGrants

Field	Value	IRS element (for citing)
Total	0	Total

Benefits To Members BenefitsToMembers

Field	Value	IRS element (for citing)
Total	0	Total

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	531771	Total
Program Services	531771	ProgramServices

Comp Disqual Persons CompDisqualPersons

Field	Value	IRS element (for citing)
Total	0	Total

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	5872393	Total
Program Services	5872393	ProgramServices

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	96295	Total
Program Services	96295	ProgramServices

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	838322	Total
Program Services	838322	ProgramServices

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	500998	Total
Program Services	500998	ProgramServices

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	115914	Total
Program Services	115914	ProgramServices

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	53553	Total
Program Services	53553	ProgramServices

Fees For Services Lobbying FeesForServicesLobbying

Field	Value	IRS element (for citing)
Total	0	Total

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

Fees For Services Invst Mgmnt Fees FeesForServicesInvstMgmntFees

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	227312	Total
Program Services	227312	ProgramServices

Advertising Advertising

Field	Value	IRS element (for citing)
Total	735352	Total
Program Services	735352	ProgramServices

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	2598436	Total
Program Services	2598436	ProgramServices

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	1273727	Total
Program Services	1273727	ProgramServices

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	2198586	Total
Program Services	2198586	ProgramServices

Travel Travel

Field	Value	IRS element (for citing)
Total	21122	Total
Program Services	21122	ProgramServices

Travel Entrtnmnt Public Officials TravelEntrtnmntPublicOfficials

Field	Value	IRS element (for citing)
Total	0	Total

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	44676	Total
Program Services	44676	ProgramServices

Interest Interest

Field	Value	IRS element (for citing)
Total	1276598	Total
Program Services	1276598	ProgramServices

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	1750588	Total
Program Services	1750588	ProgramServices

Insurance Insurance

Field	Value	IRS element (for citing)
Total	206746	Total
Program Services	206746	ProgramServices

Other Expenses OtherExpenses

Field	Value	IRS element (for citing)
Description	SEE SCHEDULE ATTACHED	Description
Total	6622869	Total
Program Services	6622869	ProgramServices

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	0	Total

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	24965258	Total
Program Services	24965258	ProgramServices

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	4867865	BOY
EOY	4714026	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	103974200	BOY
EOY	86449062	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	1119942	BOY
EOY	1346156	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	217505456	BOY
EOY	187005643	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	998132	BOY
EOY	974580	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	46263692	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	17328711	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	29854682	BOY
EOY	28934981	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	39087734	BOY
EOY	74979538	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
BOY	1657425	BOY
EOY	3662264	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	5605866	BOY
EOY	7477081	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	404671302	BOY
EOY	395543331	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	3758751	BOY
EOY	4614116	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	371886530	BOY
EOY	360370402	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	375645281	BOY
EOY	364984518	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	29026021	BOY
EOY	30558813	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	29026021	BOY
EOY	30558813	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	404671302	BOY
EOY	395543331	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	900526	ReconcilationRevenueExpenses
Reconcilation Other Changes	632266	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	false	AccountantCompileOrReview
FS Audited	true	FSAudited
Audit Committee	true	AuditCommittee
Financial Statement Separate	X	FinancialStatementSeparate
Federal Grant Audit Required	false	FederalGrantAuditRequired

Schedule D IRS990ScheduleD

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

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	6208591	OtherCostOrOtherBasis
Book Value	6208591	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	29804798	OtherCostOrOtherBasis
Depreciation	8037182	Depreciation
Book Value	21767616	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	538596	OtherCostOrOtherBasis
Depreciation	522910	Depreciation
Book Value	15686	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	9711707	OtherCostOrOtherBasis
Depreciation	8768619	Depreciation
Book Value	943088	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	28934981	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities (6 entries)

DescriptionDescription	AmountAmount
SHARE DRAFTS	$53,285,817
SHARES	$91,161,434
MONEY MARKET	$109,946,592
IRA SHARES	$11,928,493
BUSINESS	$12,199,856
SHARE AND IRA CERTIFICATES	$81,848,210

Field	Value	IRS element (for citing)
Total Of Amounts	360370402	TotalOfAmounts
Total Revenue	25865784	TotalRevenue
Total Expenses	24965258	TotalExpenses
Excess Or Deficit For Year	900526	ExcessOrDeficitForYear
Net Unrealized GL On Investments	584403	NetUnrealizedGLOnInvestments
Other	$47,863	OtherAmount
Total Adjustments	632266	TotalAdjustments
Excess Or Deficit Per FS	1532792	ExcessOrDeficitPerFS
Tot Revenue Etc Audited Fincl Stmt	25865784	TotRevenueEtcAuditedFinclStmt
Revenue Subtotal	25865784	RevenueSubtotal
Total Revenue Per Form990	25865784	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	24965258	TotExpensesEtcAuditedFinclStmt
Expenses Subtotal	24965258	ExpensesSubtotal
Total Expenses Per Form990	24965258	TotalExpensesPerForm990

Form990 Schedule D Part XIV Form990ScheduleDPartXIV (4 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
X	2	FASB ASC 740-10-25 CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE MORE LIKELY THAN NOT STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. AS A RESULT OF ADOPTING ASC 740-10-25, THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND
X	2 continued...	ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2010, 2009, AND 2008 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS.
X	2 continued...	THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS.
XI	4	NET PENSION GAINS

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	false	SupplementalNonqualRetirePlan
Equity Based Comp Arrangement	false	EquityBasedCompArrangement

Form990 Schedule J Part II Form990ScheduleJPartII

Field	Value	IRS element (for citing)
Name Person	T PEARSON	NamePerson
Base Compensation Filing Org	229521	BaseCompensationFilingOrg
Nontaxable Benefits Filing Org	18194	NontaxableBenefitsFilingOrg
Total Compensation Filing Org	247715	TotalCompensationFilingOrg

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (9 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
Form 990 Part VI	6	THE ORGANIZATION HAS MEMBERS.
Form 990 Part VI	7A	THE CREDIT UNION FIELD OF MEMBERSHIP HAS AUTHORITY TO ELECT AND RE-ELECT EVERY TWO YEARS THE BOARD OF DIRECTORS AND THE MEMBERS OF THE SUPERVISORY COMMITTEE.
Form 990 Part VI	11	THE FORM 990 IS REVIEWED BY THE CFO.
Form 990 Part VI	12C	VOLUNTEERS MUST DISCLOSE TO THE BOARD OF DIRECTORS ANNUALLY ANY INVOLVEMENT WITH ORGANIZATIONS WHICH DO BUSINESS WITH THE CREDIT UNION.
Form 990 Part VI	15	THE COMPENSATION COMMITTEE GATHERS DATA FROM OUTSIDE SOURCES AND REVIEWS SURVEY AND OTHER DATA.
Form 990 Part VI	19	AVAILABLE UPON REQUEST.
Form 990 Part XI	5	UNREALIZED HOLDING GAINS ON INVESTMENTS CLASSIFIED AS AVAILABLE-FOR-SALE IN THE AMOUNT OF 584,403 PLUS NET PENSION GAINS IN THE AMOUNT OF 47,863.
Form 990 Part VI	7B	IN 2011 THERE WERE NO NEW ELECTED MEMBERS TO THE BOARD OF DIRECTORS HOWEVER, ONE MEMBER, MATTHEW SMITH, DID RESIGN FROM THE BOARD OF DIRECTORS. ON THE SUPERVISORY COMMITTEE, IN THE FIRST QUARTER OF 2011, BOB KIRBY AND STEPHANIE MCQUILLAN WERE ELECTED TO TWO OPEN SEATS.
		Form 990 Part VI Section A Line 6 THE ORGANIZATION HAS MEMBERS. Form 990 Part VI Section A Line 7A THE CREDIT UNION FIELD OF MEMBERSHIP HAS AUTHORITY TO ELECT AND RE-ELECT EVERY TWO YEARS THE BOARD OF DIRECTORS AND THE MEMBERS OF THE SUPERVISORY COMMITTEE. Form 990 Part VI Section B Line 11 THE FORM 990 IS REVIEWED BY THE CFO. Form 990 Part VI Section B Line 12C VOLUNTEERS MUST DISCLOSE TO THE BOARD OF DIRECTORS ANNUALLY ANY INVOLVEMENT WITH ORGANIZATIONS WHICH DO BUSINESS WITH THE CREDIT UNION. Form 990 Part VI Section B Line 15 THE COMPENSATION COMMITTEE GATHERS DATA FROM OUTSIDE SOURCES AND REVIEWS SURVEY AND OTHER DATA. Form 990 Part VI Section C Line 19 AVAILABLE UPON REQUEST. Form 990 Part XI Line 5 UNREALIZED HOLDING GAINS ON INVESTMENTS CLASSIFIED AS AVAILABLE-FOR-SALE IN THE AMOUNT OF 584,403 PLUS NET PENSION GAINS IN THE AMOUNT OF 47,863. Form 990 Part VI Section A Line 7B IN 2011 THERE WERE NO NEW ELECTED MEMBERS TO THE BOARD OF DIRECTORS HOWEVER, ONE MEMBER, MATTHEW SMITH, DID RESIGN FROM THE BOARD OF DIRECTORS. ON THE SUPERVISORY COMMITTEE, IN THE FIRST QUARTER OF 2011, BOB KIRBY AND STEPHANIE MCQUILLAN WERE ELECTED TO TWO OPEN SEATS.