WORTH CREDIT UNION: Form 990, tax year 2011

View the entire original 990 at ProPublica ↗

Organization: WORTH CREDIT UNION (EIN 75-0796472)
Tax period: 2011-01-01 to 2011-12-31
Filed: 2012-05-15
IRS object ID: 201211369349305116
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	2012-05-15T13:31:38-05:00	Timestamp
Tax Period End Date	2011-12-31	TaxPeriodEndDate

Preparer Firm PreparerFirm

Field	Value	IRS element (for citing)
EIN	410746749	EIN

Preparer Firm Business Name PreparerFirmBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CLIFTONLARSONALLEN LLP	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	335 N WILMOT ROAD SUITE 300	AddressLine1
City	TUCSON	City
State	AZ	State
ZIP Code	85711	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	750796472	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	FORT WORTH COMMUNITY CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	FORT	NameControl
Phone	8178355000	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 210848	AddressLine1
City	BEDFORD	City
State	TX	State
ZIP Code	760957848	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	RICHARD HOWDESHELL	Name
Title	CEO	Title
Phone	8178355000	Phone
Date Signed	2012-05-15	DateSigned
Authorize Third Party	1	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	JON W MITCHELL CPA	Name
PTIN	P00022644	PTIN
Phone	5207903500	Phone
Date Prepared	2012-05-14	DatePrepared

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)
Name Of Principal Officer Person	RICHARD HOWDESHELL	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	PO BOX 210848	AddressLine1
City	BEDFORD	City
State	TX	State
ZIP Code	760957848	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	34573480	GrossReceipts
Group Return For Affiliates	0	GroupReturnForAffiliates
Organization501c	X	Organization501c
Web Site	WWW.FTWCCU.ORG	WebSite
Type Of Organization Corporation	X	TypeOfOrganizationCorporation
Year Formation	1940	YearFormation
State Legal Domicile	TX	StateLegalDomicile
Activity Or Mission Description	THRIFT SAVING AND BORROWING FOR MEMBERS. THE CREDIT UNION IS REGULATED BY THE STATE OF TEXAS CREDIT UNION DEPARTMENT AS WELL AS THE NATIONAL CREDIT UNION ADMINISTRATION. THE CREDIT UNION OFFERS PRODUCTS AND SERVICES IN FOUR PRIMARY AREAS: SHARE ACCOUNTS, CHECKING ACCOUNTS, CONSUMER LOANS AND REAL ESTATE LOANS.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	9	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	9	NbrIndependentVotingMembers
Total Nbr Employees	208	TotalNbrEmployees
Total Nbr Volunteers	0	TotalNbrVolunteers
Total Gross UBI	55972	TotalGrossUBI
Net Unrelated Business Txbl Income	-73897	NetUnrelatedBusinessTxblIncome
Contributions Grants Prior Year	0	ContributionsGrantsPriorYear
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	30276008	ProgramServiceRevenuePriorYear
Program Service Revenue CY	32804970	ProgramServiceRevenueCY
Investment Income Prior Year	4141845	InvestmentIncomePriorYear
Investment Income Current Year	1699728	InvestmentIncomeCurrentYear
Other Revenue Prior Year	-482816	OtherRevenuePriorYear
Other Revenue Current Year	68782	OtherRevenueCurrentYear
Total Revenue Prior Year	33935037	TotalRevenuePriorYear
Total Revenue Current Year	34573480	TotalRevenueCurrentYear
Grants And Similar Amnts Prior Year	0	GrantsAndSimilarAmntsPriorYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members Prior Year	0	BenefitsPaidToMembersPriorYear
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	10102458	SalariesEtcPriorYear
Salaries Etc Current Year	10545616	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	23073788	OtherExpensePriorYear
Other Expenses Current Year	21080580	OtherExpensesCurrentYear
Total Expenses Prior Year	33176246	TotalExpensesPriorYear
Total Expenses Current Year	31626196	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	758791	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	2947284	RevenuesLessExpensesCY
Total Assets BOY	714850708	TotalAssetsBOY
Total Assets EOY	757501021	TotalAssetsEOY
Total Liabilities BOY	648415736	TotalLiabilitiesBOY
Total Liabilities EOY	688118765	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	66434972	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	69382256	NetAssetsOrFundBalancesEOY
Info In Schedule O Part III	X	InfoInScheduleOPartIII
Mission Description	TO PROMOTE THRIFT SAVINGS AND BORROWING.	MissionDescription
Significant New Program Services	0	SignificantNewProgramServices
Significant Change	0	SignificantChange
Description	SHARE ACCOUNTS- OUR SHARE ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. MEMBER SAVINGS ACCOUNTS PAY DIVIDENDS MONTHLY AND OFFER ACCESS THROUGH THE BRANCH NETWORK, HOME BANKING VIA THE INTERNET OR TELEPHONE AND ATM'S WORLDWIDE. SPECIAL SAVINGS ACCOUNTS DESIGNED FOR CHILDREN AND TEENAGERS ENCOURAGE THE DEVELOPMENT OF CONSISTENT SAVINGS HABITS.	Description

Activity2 Activity2

Field	Value	IRS element (for citing)
Description	CHECKING ACCOUNTS- OUR CHECKING ACCOUNTS PROVIDE VARIOUS FEATURES FOR CONSUMERS, FROM FREE ACCOUNTS TO THOSE WITH ENHANCED BENEFITS. MOST OFFER DIVIDENDS THAT ARE PAID MONTHLY. ADDITIONALLY, THE CREDIT UNION EXTENDS THE REACH OF THESE ACCOUNTS TO ALL MEMBERS WITH FREE DEBIT CARDS, INTERNET ACCOUNT ACCESS AND FREE USE OF THE INTERNET BILL PAYER PLATFORM.	Description

Activity3 Activity3

Field	Value	IRS element (for citing)
Description	CONSUMER LOANS- OUR CONSUMER LOANS PROVIDE ALL TYPES OF LOANS. THE FOLLOWING LOAN TYPES ARE AVAILABLE; VEHICLE, RECREATIONAL VEHICLES, MORTGAGES, SIGNATURE, HOME EQUITY, CREDIT CARDS SECURED LOANS ETC.	Description

Activity Other ActivityOther

Field	Value	IRS element (for citing)
Description	THE CREDIT UNION PROVIDES HOME EQUITY LOANS ALONG WITH MORTGAGE LOANS.	Description

Field	Value	IRS element (for citing)
Described In501 C3	0	DescribedIn501C3
Schedule B Required	0	ScheduleBRequired
Political Activities	0	PoliticalActivities
Donor Advised Funds	0	DonorAdvisedFunds
Conservation Easements	0	ConservationEasements
Collections Of Art	0	CollectionsOfArt
Credit Counseling	0	CreditCounseling
Term Or Permanent Endowments	0	TermOrPermanentEndowments
Report Land Bldg Equip	1	ReportLandBldgEquip
Report Invest Oth Securities	0	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	0	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
Transaction Related Entity	0	TransactionRelatedEntity
Activities Conducted Partnership	0	ActivitiesConductedPartnership
Schedule O Required	1	ScheduleORequired
Number Forms Transmitted With1096	16667	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	1	ComplianceWithBackupWitholding
Number Of Employees	208	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	0	ConflictOfInterestPolicy
Whistleblower Policy	0	WhistleblowerPolicy
Document Retention Policy	1	DocumentRetentionPolicy
Compensation Process CEO	1	CompensationProcessCEO
Compensation Process Other	0	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	RICHARD HOWDESHELL	NamePerson
Telephone Number	8178355000	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	1905 FOREST RIDGE DR	AddressLine1
City	BEDFORD	City
State	TX	State
ZIP Code	76021	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (20 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer	Highest Compensated EmployeeHighestCompensatedEmployee
JANICE GRACZYK
BOARD MEMBER	2.00	X	2125	0	0
NEAL OLIVER
BOARD MEMBER- CHAIRMAN	2.00	X	93	0	0	X
LEIGHTON WATERS
BOARD MEMBER	2.00	X	2029	0	0
MICHAEL TALBOT
BOARD MEMBER	2.00	X	3046	0	0
HENRY CHRISTIANSEN
BOARD MEMBER- SEC/TREAS	2.00	X	0	0	0
KENNETH DOUGLAS
BOARD MEMBER	2.00	X	1953	0	0
STAN SPIVEY
BOARD MEMBER	2.00	X	2706	0	0
HERB SIMS
BOARD MEMBER - VICE-CHAIR	2.00	X	592	0	0
MARCELLA BANKS
BOARD MEMBER	2.00	X	0	0	0
RICHARD HOWDESHELL
PRESIDENT/CEO	40.00		320871	0	45864	X
MICHAEL FRANKO
SR VP FINANCE	40.00		161648	0	30620	X
KYLE KOKE
SR VP LENDING	40.00		153404	0	18074	X
DIANE DORSEY
VP OPERATIONS	40.00		133336	0	28470	X
ROCHELLE DRAKE
VP MARKETING	40.00		138803	0	17325	X
TAMMY TRUDELLE
VP HUMAN RESOURCES	40.00		142888	0	18119	X
MARC RHODES
VP SUPPORT SERVICES	40.00		140841	0	23491	X
CARL AUZENNE
VP INFORMATION SYSTEMS	40.00		120701	0	27574	X
JOHN BEARRIE
INVESTMENT CONSULTANT	40.00		144970	0	23395		X
GINDA ABRAHAM
AVP ACCOUNTING	40.00		104597	0	14758		X
GRETCHEN MCGINNIS
DIRECTOR OF INTERNAL AUDIT	40.00		101121	0	14730		X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	1675724	TotalReportableCompFromOrg
Total Reportable Comp Frm Rltd Orgs	0	TotalReportableCompFrmRltdOrgs
Total Other Compensation	262420	TotalOtherCompensation
Number Individuals GT100 K	11	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
DIGITAL INSIGHT
PO BOX 515306	LOS ANGELES	CA	90051	WEBSITE	635827
FISERV
5430 DATA COURT STE 100	AN ARBOR	MI	48108	DEBIT/CREDIT CARD PROCESS	615384
DIEBOLD INC
PO BOX 643543	PITTSBURGH	PA	15264	BANKING EQUIPMENT	569967
LANVERA LTD
13755 HUTTON STE 100	DALLAS	TX	75234	MAIL PROCESSOR	303448
XP SYSTEMS
75 REMITTANCE DR STE 6963	CHICAGO	IL	60675	SOFTWARE SERVICES	290377

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	20	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	26295804	26295804
LOAN FEE INCOME	522100	4366924	4366924
MEMBER FEES & CHARGES	522100	2142242	2086270	55972

Field	Value	IRS element (for citing)
Total Program Service Revenue	32804970	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	1699728	TotalRevenueColumn
Related Or Exempt Function Income	1699728	RelatedOrExemptFunctionIncome

Other Revenue Misc OtherRevenueMisc (2 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome
GAIN ON SALE OF ASSETS	522100	75370	75370
LOSS ON INVESTMENTS	522100	-16042	-16042

Miscellaneous Revenue MiscellaneousRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	9454	TotalRevenueColumn
Related Or Exempt Function Income	9454	RelatedOrExemptFunctionIncome

Field	Value	IRS element (for citing)
Total Other Revenue	68782	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	34573480	TotalRevenueColumn
Related Or Exempt Function Income	34517508	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	55972	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	1522031	Total

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	6770155	Total

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	393824	Total

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	1276983	Total

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	582623	Total

Fees For Services Management FeesForServicesManagement

Field	Value	IRS element (for citing)
Total	2397583	Total

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	39688	Total

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	325378	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	943791	Total

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	1660965	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	1248873	Total

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	149758	Total

Interest Interest

Field	Value	IRS element (for citing)
Total	5970844	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	910237	Total

Insurance Insurance

Field	Value	IRS element (for citing)
Total	233781	Total

Other Expenses OtherExpenses (4 entries)

DescriptionDescription	TotalTotal
PROVISION FOR LOAN LOSS	3196000
LOAN SERVICING	1821316
NCUA INSURANCE/MEMBER I	1590104
OPERATING FEES	499693

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	92569	Total

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	31626196	Total

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	2362366	BOY
EOY	2968303	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	104918638	BOY
EOY	140789724	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	1150710	BOY
EOY	936062	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	404458102	BOY
EOY	507592500	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	2222158	BOY
EOY	1855978	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	30297519	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	9590168	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	18956716	BOY
EOY	20707351	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	174498857	BOY
EOY	76175139	EOY

Investments Program Related InvestmentsProgramRelated

Field	Value	IRS element (for citing)
BOY	64260	BOY
EOY	48162	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	6218901	BOY
EOY	6427802	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	714850708	BOY
EOY	757501021	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	6701042	BOY
EOY	7546621	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	641714694	BOY
EOY	680572144	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	648415736	BOY
EOY	688118765	EOY

Field	Value	IRS element (for citing)
Do Not Follow SFAS117	X	DoNotFollowSFAS117

Cap Stck Trst Prin Current Funds CapStckTrstPrinCurrentFunds

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

Paid In Cap Srpls Land Bldg Eqp Fund PaidInCapSrplsLandBldgEqpFund

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

Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc

Field	Value	IRS element (for citing)
BOY	66434972	BOY
EOY	69382256	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	66434972	BOY
EOY	69382256	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	714850708	BOY
EOY	757501021	EOY

Field	Value	IRS element (for citing)
Reconcilation Revenue Expenses	2947284	ReconcilationRevenueExpenses
Reconcilation Other Changes	0	ReconcilationOtherChanges
Info In Schedule O Part XII	X	InfoInScheduleOPartXII
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	0	AccountantCompileOrReview
FS Audited	1	FSAudited
Audit Committee	1	AuditCommittee
Financial Statement Both	X	FinancialStatementBoth
Federal Grant Audit Required	0	FederalGrantAuditRequired

Schedule D IRS990ScheduleD

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	5464584	OtherCostOrOtherBasis
Book Value	5464584	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	16752907	OtherCostOrOtherBasis
Depreciation	3290648	Depreciation
Book Value	13462259	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	427174	OtherCostOrOtherBasis
Depreciation	352625	Depreciation
Book Value	74549	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	7607787	OtherCostOrOtherBasis
Depreciation	5913609	Depreciation
Book Value	1694178	BookValue

Other Land Buildings OtherLandBuildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	45067	OtherCostOrOtherBasis
Depreciation	33286	Depreciation
Book Value	11781	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	20707351	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
Description	MEMBER SHARES	Description
Amount	$680,572,144	Amount

Field	Value	IRS element (for citing)
Total Of Amounts	680572144	TotalOfAmounts

Form990 Schedule D Part XIV Form990ScheduleDPartXIV

Field	Value	IRS element (for citing)
Explanation	FINANCIAL STATEMENTS ARE CURRENTLY AUDITED THROUGH JUNE 30, 2011.	Explanation

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	X	TravelForCompanions
Club Dues Or Fees	X	ClubDuesOrFees
Written Policy Re T And E Expenses	1	WrittenPolicyReTAndEExpenses
Substantiation Required	1	SubstantiationRequired
Compensation Committee	X	CompensationCommittee
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 (8 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
RICHARD HOWDESHELL
291599	0	14531	0	14741	0	17880	0	27984	0	366735	0	0	0
MICHAEL FRANKO
152643	0	5086	0	3919	0	11523	0	19097	0	192268	0	0	0
KYLE KOKE
142784	0	4340	0	6280	0	10473	0	7601	0	171478	0	0	0
DIANE DORSEY
128145	0	4578	0	613	0	9588	0	18882	0	161806	0	0	0
ROCHELLE DRAKE
132651	0	5546	0	606	0	9432	0	7893	0	156128	0	0	0
TAMMY TRUDELLE
128611	0	6088	0	8189	0	9963	0	8156	0	161007	0	0	0
MARC RHODES
127120	0	4714	0	9007	0	10115	0	13376	0	164332	0	0	0
JOHN BEARRIE
140941	0	3687	0	342	0	4508	0	18887	0	168365	0	0	0

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (6 entries)

Return ReferenceReturnReference	ExplanationExplanation
FORM 990, PART VI, SECTION A, LINE 6	THE CREDIT UNION HAS MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7A	THE MEMBERS OF THE CREDIT UNION ELECT THE BOARD OF DIRECTORS.
FORM 990, PART VI, SECTION B, LINE 11	RETURN IS REVIEWED BY THE AVP OF ACCOUNTING AND THE CEO OF THE CREDIT UNION.
FORM 990, PART VI, SECTION B, LINE 15A	THE COMPENSATION FOR THE CEO IS APPROVED BY THE BOARD AND A COMPENSATION COMMITTEE AND COMPENSATION SURVEY IS USED ALONG WITH A WRITTEN EMPLOYMENT CONTRACT.
FORM 990, PART VI, SECTION C, LINE 19	THE CREDIT UNION DISPLAYS CURRENT FINANCIAL STATEMENTS AT EACH BRANCH. GOVERNING DOCUMENTS AND THE CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON WRITTEN REQUEST.
FORM 990, PART XII, LINE 2C	THE CREDIT UNION HAS NOT CHANGED ITS OVERSIGHT OR SELECTION PROCESS.