KNOXVILLE TVA EMPLOYEES CREDIT UNIO: Form 990, tax year 2011

View the entire original 990 at ProPublica ↗

Organization: KNOXVILLE TVA EMPLOYEES CREDIT UNIO (EIN 62-0263105)
Tax period: 2011-01-01 to 2011-12-31
Filed: 2012-06-25
IRS object ID: 201211929349300211
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
Reasonable Cause Explanation

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2012-06-25T08:59:21-07:00	Timestamp
Tax Period End Date	2011-12-31	TaxPeriodEndDate

Preparer Firm PreparerFirm

Field	Value	IRS element (for citing)
EIN	621501873	EIN

Preparer Firm Business Name PreparerFirmBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	Peters & Associates CPAs	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	PO Box 32278	AddressLine1
City	KNOXVILLE	City
State	TN	State
ZIP Code	379302278	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	620263105	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	KNOXVILLE TVA EMPLOYEES CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	KNOX	NameControl
Phone	8655445400	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	301 WALL AVENUE	AddressLine1
City	KNOXVILLE	City
State	TN	State
ZIP Code	37901	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	GLENN SILER	Name
Title	CEO	Title
Phone	8655445400	Phone
Date Signed	2012-05-15	DateSigned
Authorize Third Party	1	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	Orin Peters	Name
PTIN	P00592909	PTIN
Phone	8656947128	Phone
Date Prepared	2012-05-15	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	GLENN SILER	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	301 WALL AVENUE	AddressLine1
City	KNOXVILLE	City
State	TN	State
ZIP Code	37901	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	52083501	GrossReceipts
Group Return For Affiliates	0	GroupReturnForAffiliates
Organization501c	X	Organization501c
Web Site	WWW.TVACREDITUNION.COM	WebSite
Type Of Organization Corporation	X	TypeOfOrganizationCorporation
Year Formation	1934	YearFormation
State Legal Domicile	TN	StateLegalDomicile
Activity Or Mission Description	STATE CHARTERED CREDIT UNION MUTUALLY OWNED BY OUR 121,074 MEMBERS, TO PROMOTE THRIFT, ISSUE SHARES AND MAINTAIN ACCOUNTS, AND MAKE LOANS TO OUR MEMBERS. FUNDS NOT NEEDED FOR LIQUIDITY OR FOR LOANS ARE TEMPORARILY INVESTED.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	9	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	9	NbrIndependentVotingMembers
Total Nbr Employees	305	TotalNbrEmployees
Total Nbr Volunteers	14	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	49724347	ProgramServiceRevenuePriorYear
Program Service Revenue CY	52083501	ProgramServiceRevenueCY
Investment Income Prior Year	0	InvestmentIncomePriorYear
Investment Income Current Year	0	InvestmentIncomeCurrentYear
Other Revenue Prior Year	0	OtherRevenuePriorYear
Other Revenue Current Year	0	OtherRevenueCurrentYear
Total Revenue Prior Year	49724347	TotalRevenuePriorYear
Total Revenue Current Year	52083501	TotalRevenueCurrentYear
Grants And Similar Amnts Prior Year	0	GrantsAndSimilarAmntsPriorYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members Prior Year	10044711	BenefitsPaidToMembersPriorYear
Benefits Paid To Members CY	8434323	BenefitsPaidToMembersCY
Salaries Etc Prior Year	14599109	SalariesEtcPriorYear
Salaries Etc Current Year	15778547	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	18323978	OtherExpensePriorYear
Other Expenses Current Year	18363276	OtherExpensesCurrentYear
Total Expenses Prior Year	42967798	TotalExpensesPriorYear
Total Expenses Current Year	42576146	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	6756549	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	9507355	RevenuesLessExpensesCY
Total Assets BOY	925084492	TotalAssetsBOY
Total Assets EOY	1016050554	TotalAssetsEOY
Total Liabilities BOY	845080558	TotalLiabilitiesBOY
Total Liabilities EOY	925846298	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	80003934	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	90204256	NetAssetsOrFundBalancesEOY
Mission Description	STATE CHARTERED CREDIT UNION MUTUALLY OWNED BY OUR 121,074 MEMBERS, TO PROMOTE THRIFT, ISSUE SHARES AND MAINTAIN ACCOUNTS, AND MAKE LOANS TO OUR MEMBERS. FUNDS NOT NEEDED FOR LIQUIDITY OR FOR LOANS ARE TEMPORARILY INVESTED. ALL OF OUR REVENUE AND EXPENSES ARE RELATED TO THIS PURPOSE.	MissionDescription
Significant New Program Services	0	SignificantNewProgramServices
Significant Change	0	SignificantChange
Expense	42576146	Expense
Grants	0	Grants
Revenue	52083501	Revenue
Description	STATE CHARTERED CREDIT UNION MUTUALLY OWNED BY OUR 121,074 MEMBERS, TO PROMOTE THRIFT, ISSUE SHARES AND MAINTAIN ACCOUNTS, AND MAKE LOANS TO OUR MEMBERS. FUNDS NOT NEEDED FOR LIQUIDITY OR FOR LOANS ARE TEMPORARILY INVESTED. ALL OF OUR REVENUES AND EXPENSES ARE RELATED TO THIS PURPOSE.	Description
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	42576146	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	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	1	ReportFin48Footnote
Independent Audit Financial Stmt	0	IndependentAuditFinancialStmt
Consolidated Audit Financial Stmt	1	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	20675	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	1	ComplianceWithBackupWitholding
Number Of Employees	305	NumberOfEmployees
Employment Tax Returns Filed	1	EmploymentTaxReturnsFiled
Unrelated Business Income	0	UnrelatedBusinessIncome
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	1	DecisionsSubjectToApproval
Minutes Of Governing Body	1	MinutesOfGoverningBody
Minutes Of Committees	1	MinutesOfCommittees
Officer Mailing Address	0	OfficerMailingAddress
Local Chapters	0	LocalChapters
Form990 Provided To Governing Body	0	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	1	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	1	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	1	RegularMonitoringEnforcement
Whistleblower Policy	0	WhistleblowerPolicy
Document Retention Policy	1	DocumentRetentionPolicy
Compensation Process CEO	1	CompensationProcessCEO
Compensation Process Other	1	CompensationProcessOther
Investment In Joint Venture	0	InvestmentInJointVenture
States Where Copy Of Return Is Filed	TN	StatesWhereCopyOfReturnIsFiled
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Field	Value	IRS element (for citing)
Name Person	GLENN SILER	NamePerson
Telephone Number	8655445400	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	301 WALL AVENUE	AddressLine1
City	KNOXVILLE	City
State	TN	State
ZIP Code	37901	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (17 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer
STEVE HILLENBRAND
CHAIRPERSON	0	X	0	0	0
PAUL E IVIE
VICE-CHAIRPERSON	0	X	0	0	0
BILL BONHAM
DIRECTOR	0	X	0	0	0
CLESTON JONES
DIRECTOR	0	X	0	0	0
CLEO NORMAN
DIRECTOR	0	X	0	0	0
KAMI DARAKSHANI
DIRECTOR	0	X	0	0	0
NIKOLAUS JORDAN
TREASURER	0	X	0	0	0
CARL MILLS
DIRECTOR	0	X	0	0	0
JANE PIPKIN
SECRETARY	0	X	0	0	0
GLENN SILER
PRESIDENT/CEO	40		308322	0	27764	X
SHANNON YORK
CFO	40		150238	0	19277	X
REBECCA LAWSON
SR VP OPERATIONS	40		123617	0	9417	X
LYNN JONES
SR VP COO	40		169437	0	16865	X
KATHY O'BARR
VP BRANCH OPERATIONS	40		102513	0	14977	X
ELIZABETH LANGE
VP HUMAN RESOURCES	40		77693	0	14933	X
DALE BROOME
VP REAL ESTATE	40		72427	0	12517	X
NATHAN BROWN
CHIEF INFORMATION OFFICER	40		80506	0	4890	X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	1084753	TotalReportableCompFromOrg
Total Reportable Comp Frm Rltd Orgs	0	TotalReportableCompFrmRltdOrgs
Total Other Compensation	120640	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	Address Line2AddressOfContractor/AddressUS/AddressLine2
STALWART SYSTEMS GROUP
6000 FAIRVIEW RD STE 1200	CHARLOTTE	NC	28210	IT ENGINEERING	987738
FREEMAN MELANCON BRYANT
145 SOUTH GAY ST	KNOXVILLE	TN	37902	ADVERTISING	596253
CREATIVE STRUCTURES INC
3208 TAZEWELL PK	KNOXVILLE	TN	37918	GENERAL CONTRACTORS	691787	STE 103
AT&T
PO BOX 5019	CAROL STREAM	IL	60197	PHONE AND INTERNET	265157
BIT LLC
710 SW 34TH ST	RENTON	WA	98057	DOCUMENT DELIVERY	373424

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	25	NumberOfContractorsGT100K
Total Contributions	0	TotalContributions

Program Service Revenue ProgramServiceRevenue (5 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	ExclusionExclusionAmount
INTEREST ON LOANS TO MEMBERS	522100	40098286	40098286	$0
INVESTMENT INTEREST	522100	528589	528589	$0
FEE INCOME	522100	10168505	10168505	$0
OTHER OPERATING INCOME	522100	1481294	1481294	$0
OTHER NON-OPERATING INCOME	522100	-193173	-193173	$0

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	52083501	TotalProgramServiceRevenue

Rental Income Or Loss RentalIncomeOrLoss

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

Gain Or Loss GainOrLoss

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

Field	Value	IRS element (for citing)
Total Other Revenue	0	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	52083501	TotalRevenueColumn
Related Or Exempt Function Income	52083501	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Grants To Domestic Orgs GrantsToDomesticOrgs

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Grants To Domestic Individuals GrantsToDomesticIndividuals

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Foreign Grants ForeignGrants

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Benefits To Members BenefitsToMembers

Field	Value	IRS element (for citing)
Total	8434323	Total
Program Services	8434323	ProgramServices

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	1004247	Total
Program Services	1004247	ProgramServices

Comp Disqual Persons CompDisqualPersons

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	9969750	Total
Program Services	9969750	ProgramServices

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	484737	Total
Program Services	484737	ProgramServices

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	3630236	Total
Program Services	3630236	ProgramServices

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	689577	Total
Program Services	689577	ProgramServices

Fees For Services Management FeesForServicesManagement

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Fees For Services Lobbying FeesForServicesLobbying

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Fees For Services Prof Fundraising FeesForServicesProfFundraising

Field	Value	IRS element (for citing)
Total	0	Total
Fundraising	0	Fundraising

Fees For Services Invst Mgmnt Fees FeesForServicesInvstMgmntFees

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Advertising Advertising

Field	Value	IRS element (for citing)
Total	1261742	Total
Program Services	1261742	ProgramServices

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	2225065	Total
Program Services	2225065	ProgramServices

Travel Travel

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Travel Entrtnmnt Public Officials TravelEntrtnmntPublicOfficials

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	139286	Total
Program Services	139286	ProgramServices

Interest Interest

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	1608580	Total
Program Services	1608580	ProgramServices

Insurance Insurance

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Other Expenses OtherExpenses (4 entries)

DescriptionDescription	TotalTotal	Program ServicesProgramServices
OFFICE OPERATIONS	8383700	8383700
PROVISION FOR LOAN LOSSES	2274955	2274955
LOAN SERVICING	639202	639202
PROFESSIONAL AND OUTSIDE	994932	994932

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	835814	Total
Program Services	835814	ProgramServices

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	42576146	Total
Program Services	42576146	ProgramServices
Management And General	0	ManagementAndGeneral
Fundraising	0	Fundraising

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	7491774	BOY
EOY	6381778	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	81894213	BOY
EOY	65840812	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	0	BOY
EOY	0	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	757221455	BOY
EOY	845343854	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	1150477	BOY
EOY	516539	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	53634452	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	12526121	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	39222772	BOY
EOY	41108331	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

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

Investments Other Securities InvestmentsOtherSecurities

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

Investments Program Related InvestmentsProgramRelated

Field	Value	IRS element (for citing)
BOY	22774622	BOY
EOY	39937814	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	15329179	BOY
EOY	16921426	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	925084492	BOY
EOY	1016050554	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	4378834	BOY
EOY	4888964	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	0	BOY
EOY	0	EOY

Loans From Officers Directors LoansFromOfficersDirectors

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

Mort Notes Pybl Secured Invest Prop MortNotesPyblSecuredInvestProp

Field	Value	IRS element (for citing)
BOY	94593581	BOY
EOY	110803968	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	746108143	BOY
EOY	810153366	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	845080558	BOY
EOY	925846298	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	80003934	BOY
EOY	90204256	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	80003934	BOY
EOY	90204256	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	925084492	BOY
EOY	1016050554	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	9507355	ReconcilationRevenueExpenses
Reconcilation Other Changes	692967	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	0	AccountantCompileOrReview
FS Audited	1	FSAudited
Audit Committee	1	AuditCommittee
Financial Statement Consolidated	X	FinancialStatementConsolidated
Federal Grant Audit Required	0	FederalGrantAuditRequired

Schedule D IRS990ScheduleD

Land Land

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	16743957	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	0	OtherCostOrOtherBasis
Book Value	16743957	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	24359094	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	0	OtherCostOrOtherBasis
Depreciation	5329546	Depreciation
Book Value	19029548	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	848517	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	0	OtherCostOrOtherBasis
Depreciation	607605	Depreciation
Book Value	240912	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	10844642	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	0	OtherCostOrOtherBasis
Depreciation	6588970	Depreciation
Book Value	4255672	BookValue

Other Land Buildings OtherLandBuildings

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	838242	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	0	OtherCostOrOtherBasis
Depreciation	0	Depreciation
Book Value	838242	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	41108331	TotalOfBookValueLandBuildings
Federal Income Tax Liability	0	FederalIncomeTaxLiability

Other Liabilities OtherLiabilities (6 entries)

DescriptionDescription	AmountAmount
SHARE DRAFTS	$143,740,243
REGULAR SHARES	$175,411,815
MONEY MARKET SHARES	$205,270,725
SHARE CERTIFICATES	$236,462,375
IRA/KEOGH ACCOUNTS	$39,070,339
OTHER SHARES	$10,197,869

Field	Value	IRS element (for citing)
Total Of Amounts	810153366	TotalOfAmounts

Form990 Schedule D Part XIV Form990ScheduleDPartXIV

Field	Value	IRS element (for citing)
Identifier	SchD_P10_S00_L02	Identifier
Return Reference	Schedule D, Part X, Line 2	ReturnReference
Explanation	None.	Explanation

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	X	TravelForCompanions
Written Policy Re T And E Expenses	1	WrittenPolicyReTAndEExpenses
Substantiation Required	1	SubstantiationRequired
Compensation Committee	X	CompensationCommittee
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
GLENN SILER
268322	0	40000	0	0	0	18350	0	9414	0	336086	0	0	0
SHANNON YORK
138165	0	12073	0	0	0	6083	0	13194	0	169515	0	0	0
LYNN JONES
155480	0	13957	0	0	0	7451	0	9414	0	186302	0	0	0
REBECCA LAWSON
113432	0	10185	0	0	0	3407	0	6010	0	133034	0	0	0
KATHY O'BARR
92946	0	9567	0	0	0	5570	0	9407	0	117490	0	0	0
ELIZABETH LANGE
71055	0	6638	0	0	0	5600	0	9332	0	92625	0	0	0
DALE BROOME
66462	0	5965	0	0	0	3206	0	9311	0	84944	0	0	0
NATHAN BROWN
73860	0	6646	0	0	0	3407	0	1483	0	85396	0		0

Form990 Schedule J Part III Form990ScheduleJPartIII

Field	Value	IRS element (for citing)
Identifier	SchJ_P01_S00_L01a	Identifier
Return Reference	Schedule J, Part I, Line 1a	ReturnReference
Explanation	The Credit Union's policy allows the Credit Union to pay for the travel expense for one companion of a Board member.	Explanation

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (10 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
F990_P06_S0A_L01a	Form 990, Part VI, Section A, Line 1a	A STATE CHARTERED CREDIT UNION IS GOVERNED BY ITS CHARTER AND BY-LAWS.
F990_P06_S0A_L06	Form 990, Part VI, Section A, Line 6	THE CHARTER AND BY-LAWS CALL FOR AN ANNUAL ELECTION OF DIRECTORS BY THE MEMBERS. EACH MEMBER IS ENTITLED TO ONE VOTE IRRESPECTIVE OF THE NUMBER OF SHARES/DEPOSITS. THE CANDIDATES FOR DIRECTOR ARE NOMINATED BY A NOMINATING COMMITTEE APPOINTED BY THE BOARD OF DIRECTORS. THE DIRECTORS ARE ELECTED AT AN ANNUAL MEETING CALLED FOR IN THE BY-LAWS.
F990_P06_S0A_L07a	Form 990, Part VI, Section A, Line 7a	SAME AS PART VI, SECTION A, LINE 6
F990_P06_S0A_L07b	Form 990, Part VI, Section A, Line 7b	SAME AS PART VI, SECTION A, LINE 6
F990_P06_S0B_L11b	Form 990, Part VI, Section B, Line 11b	THIS FORM 990 WAS PROVIDED TO THE PRESIDENT/CEO AND THE CFO FOR REVIEW AND APPROVAL BEFORE FILING.
F990_P06_S0B_L12c	Form 990, Part VI, Section B, Line 12c	THE CREDIT UNION HAS A WRITTEN CONFLICT OF INTEREST POLICY. ALL OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE REQUIRED TO DISCLOSE ANNUALLY ANY INTEREST THAT COULD GIVE RISE TO CONFLICTS. ALL MATERIAL CONTRACTS ARE APPROVED BY THE BOARD OF DIRECTORS.
F990_P06_S0B_L14	Form 990, Part VI, Section B, Line 14	THE CREDIT UNION HAS A RECORDS RETENTION AND DESTRUCTION POLICY.
F990_P06_S0B_L15	Form 990, Part VI, Section B, Line 15	THE PERSONNEL COMMITTEE RECOMMENDS COMPENSATION FOR THE CEO, MANAGEMENT, AND STAFF BASED ON AN ANNUAL SURVEY OF COMPENSATION OF CREDIT UNIONS OF COMPARABLE SIZE AND JOB CLASSIFICATIONS AND OTHER FACTORS. THE OVERALL COMPENSATION PLAN, INCLUDING CEO AND MANAGEMENT COMPENSATION, IS REVIEWED/APPROVED BY THE BOARD OF DIRECTORS. FOR STAFF, THE CEO AND/OR DEPARTMENT MANAGERS COMPLETE ANNUAL EMPLOYEE EVALUATIONS AND ARE AUTHORIZED TO SET STAFF COMPENSATION WITHIN THE RANGE APPROVED BY THE PERSONNEL COMMITTEE AND BOARD OF DIRECTORS.
F990_P06_S0C_L19	Form 990, Part VI, Section C, Line 19	SAME AS PT VI-C, LINE 18.
F990_P11_S00_L05	Form 990, Part XI, Line 5	CHANGE IN OTHER COMPREHENSIVE INCOME 660,000 PLUS CHANGE IN AFS SECURITIES 32,967 EQUALS A TOTAL OF 692,967.

Reasonable Cause Explanation ReasonableCauseExplanation

Field	Value	IRS element (for citing)
Explanation	Form 8868 automatic extension timely filed.	Explanation